23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I specifically made XXXX purchases the last day of my billing period for my American Express in order to reach the XXXX purchases required to get 20 % extra benefits for that month. For some reason, even though I did all three purchases back to back for different things online, only XXXX posted that day and the third did n't post until the next day so it shows that I only got to XXXX with the third counting towards the new cycle. It was a big spending month which is why I made that extra effort to get the additional points by making those purchases. On the phone they told me that because my purchase was done in California on XXXX XXXX but Mountain Time XXXX XXXX, it counts as XXXX XXXX because there is a clause that says this somewhere in the cardholder agreement they sent. HOWEVER I just got off the phone with XXXX to see what time the purchase was actually made, since the customer service rep at AMEX was telling me it was past XXXX Mountain Time, and she informed me it was made at XXXX on XXXX XXXX Pacific Time. That also makes sense why the other XXXX purchases I made right before that XXXX were in the billing cycle I wanted them in and not the XXXX XXXX one. I bought those within less than thirty minutes before the XXXX purchase. And just to add to this, on their website ( AMEX that is ) it says on the page that shows your rewards progress : " To count purchases for this benefit, we use the date of the purchase. For example, if you make a purchase on the last day in your XXXX billing period, it might not post to your account until your XXXX billing period. If this happens, the purchase still counts towards your XXXX billing period. '' That is proof I am at least owed that purchase counting for XXXX XXXX and not XXXX XXXX which would put me at the XXXX purchases I need for the rewards benefit.
Product: Credit card

Card was lost, ordered a new one never received it. So to avoid harming my credit score I asked to close my account.
Product: Mortgage

XX/XX/2016 - file is 26 months past due totaling about $ XXXX ( w/o any fees ). Loan mod was denied because the servicer was unable to reduce the principal and interest portion of the payment - therefore a loan mod is no longer an option - no matter what the homeowner changes in her circumstance the result would still be the same - the servicer tried to extend loan to 40 yrs ( max term ) & reduce the interest rate as low as they are able to and still the monthly payment was too high. -- The servicer would not communicate to the HUD approved nonprofit whether they reduced the interest rate at all. -- Available options is to reinstate or come up with a significant down payment so that the homeowner can agree to a 12 month repayment plan otherwise option is to liquidate. -- The file is in active foreclosure with NO sale date because the file is in active bankruptcy ; therefore the foreclosure is on hold. - My request for a NPV was denied ; request must be in writing and even then the request my not be granted. I was not given an answer when I asked what the lowest interest rate they used to determine if the homeowner was able to get approved for a loan mod or not.
Product: Checking or savings account

I had my accounts hacked, cards stolen and transactions appeared on my accounts made by someone else. 

Chase bank themselves contacted me on the day it happened, XX/XX/XXXX warning me of fradualant activity on my account and to call and verify, I called and told them I did not make the purchase at XXXX XXXX XXXX for {$2300.00}, I was told by chase that the transaction had declined. 

In XX/XX/XXXX, Chase bank withdrew the {$2300.00} from my account without any notification and told me I was responsible, yet they are the ones that notified me of fraudalant activity on my cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I wrote to XXXX, XXXX, & Experian in regards to them saying I owe XXXX XXXX XXXX {$480.00} & $ XXXX, I wrote XXXX   about XXXX XXXX  XXXX I owe them {$18.00} being reported inaccurate as well on my credit the same days for the XXXX XXXX XXXX. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XXXX XXXX I received a itemized bill instead of evidence bearing my signature. So on XX/XX/XXXX I wrote XXXX, XXXX, & Experian informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/XXXX they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. An to my surprise I see several inaccurate inquiries reporting on my credit report file from XXXX from XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX. I inform them I dont recall these companies authorizing to pull my credit file. Because its making it very hard for me to acquire credit. XXXX as well with unauthorized inquires from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. Experian also XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I would like all this inaccurate information removed immediately off my credit report.
Product: Mortgage

FREEDOM MORTGAGE HAS IGNORED REQUEST TO PAY THE HAZARD INSURANCE FROM MY HAZARD INSURANCE AGENCY, EVEN AFTER SENDING XXXX PAGE AND BILL VIA MAIL, EMAIL, FAX AND CALLING TO SPEAK TO A SUPERVISOR " XXXX '' ON XX/XX/XXXX WHO PROMISED TO OVERNIGHT PAYMENT. AS OF TODAY, MY INSURANCE POLICY HAS BEEN CANCELLED. BY LAW FREEDOM MORTGAGE MUST PAY ESCROWED HAZARD INSURANCE AND TAXES. I HAVE {$2700.00} IN MY ESCROW ACCT. THEY HAVE PUT ME AT RISK. IN ADDITION, THEY HAVE RECEIVED MONIES FROM A THIRD PARTY TO CURE MY PAST DUE BALANCE, NOW REFLECTED AS DEFERRED {$21000.00} BALANCE AND I SHOW AN UNAPPLIED CREDIT IN THE SAME AMOUNT. I HAVE ASKED QUESTIONS REGARDING BOTH MY ESCROW AND WHY UNAPPLIED FUNDS HAVE NOT BEEN APPLIED TO THE SUBORDINATE BALANCE AND HAVE NOT RECEIVED ANY ANSWER. THEY HAVE REFUSED TO PROVIDE ANY ANSWERS IN WRITING, NOR DO ANY OTHER DUTIES AS A LOAN SERVICER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Website waived rights to sue and gave arbitrary answer to if you credit information was compromised
Product: Debt collection

XXXX XXXX XXXX XXXX originated XXXX. There has been 7 years from the date of the first missed payments based on Tran Union investigation. XXXX XXXX loan XXXX ( 1 ) last payment received was XXXX XXXX XXXX XXXX ( 2 ) last payment received XX/XX/XXXX. XXXX XXXX loan XXXX ( 3 ) last payment was XX/XX/XXXXXXXX  r - Paid in full /was a charge off. Seven  years from the Date of the first missed payment for all three loans was XX/XX/XXXX. investigation shows payments were made, however this contradicts XXXX XXXX statement of XX/XX/XXXX. Request the XXXX XXXX loans be removed immediately from Trans Union/ XXXX/ credit reports based on incorrect reporting information, or 7 years from the date of the first missed payments. Estimated date XX/XX/XXXX. TransUnion/ XXXX stated the CRA accurate Patial acct # XXXX XXXX  shows : XXXX  XXXXXXXX  XXXX : OK XXXX ND XXXX ND XX/XX/XXXX 60 past due XX/XX/XXXX 90 past due XXXX- XXXX Charge off XXXX XXXX XXXX  Charge off Trans Union shows :XXXXXXXX  XXXX XXXX reports no data but says then shows delinquent/ inconsistent with what is report for same account to other CRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has dropped my credit score by over 40 points. No negative information added, no collection, all accounts paid and balanced reduced. Claimed dispute filed, no dispute filed.called XXXX XXXX, no record of any dispute all accounts in good standing. No reason why account credit dropped. 
Account was up to date and accurate and suddenly dropped XXXX points right before buying a home, for absolutely no reason. Called all account holders, no issues or concerns, called Transunion told computer did it and they cant do anything to fix or resolve it. 
No reason for decline of credit and its now harming myself and family before home purchase. They refuse and declined to repair or fix this. No other reporting agency shows any negative information or impact. Tried to order and acces own credit report and wont allow me access to my own report. Logs off and wont allow access. Claims I must call to access report. When I call says already accessed report. No negative on report I can view online through XXXX and XXXX XXXX. Credit increased with other agencies. Please investigate this erroneous harmful error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has incorrectly reported late payments I am enclosing an ledger report from XXXX show that they payments were made and that no late fees were accessed. 

I have included bank statements showing the payments were made within 30 days. And an complete payment history for the payments made while I was in Bankruptcy. 

XXXX was paid off in XX/XX/XXXX and then after payoff they reported to Equifax and XXXX that in XX/XX/XXXX I was 180 days late, XX/XX/XXXX 90 days late, and 150 days late in XX/XX/XXXX. Please note on the credit report they show XX/XX/XXXX through XX/XX/XXXX No late fees and all my payments are listed on their ledger. I have highlighted them for you starting on page 32 - 37. 

Enclosed also find a summary of payments from the trustee XXXX XXXX. Please note how XXXX posts credit and how the actual payments from XXXX XXXX the trustee differ.
Product: Credit reporting or other personal consumer reports

XXXX is sending me monthly bill statements for a loan that I never co signed for. 
My daughter XXXX XXXX XXXX has XXXX loans through XXXX. She has never had a loan through XXXX and I have Never cosigned any XXXX loans. 

XXXX states that I cosigned a XXXX student loan ( account XXXX ) I want XXXX to provide me with the cosigned loan paperwork. 

My daughter has the following XXXX loans. Which are uptodate. 
XXXX Loan # XXXX for XXXX XXXX XXXX XXXX XXXX cosigner XXXX XXXX XXXX wife. 

XXXX Loan # XXXX for XXXX XXXX XXXX XXXX XXXX cosigner XXXX XXXX XXXX daughter. 

XXXX Loan # XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX daughter. 


Attached please see XXXX XXXX XXXX XXXX XXXX Proof of the XXXX loan statements that my daughter XXXX XXXX has XXXX XXXX XXXX XXXX XXXX XXXX 

I respectfully request that XXXX provide me with the loan paperwork that they think I cosigned. 
XXXX Requesting to remove this loan from my credit reports. 
XXXX Provide me with the proof that is loan is discharged from my name. 

My name XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account ( email address : XXXX ). I firmly believe that this limitation has occurred due to a misunderstanding or error, as I have always strived to adhere to PayPal 's policies and guidelines. 

I want to emphasize that I have not knowingly violated any PayPal policies or engaged in any activities that would warrant such a severe action. My account has been used primarily for personal transactions and occasional online purchases, and I have never been involved in any fraudulent or unauthorized activities. 

Given the importance of my PayPal account for various financial transactions, I kindly request that you re-investigate my case thoroughly. If any discrepancies or misunderstandings have led to this unfortunate situation, I am more than willing to provide any additional information or documentation to assist in resolving this matter promptly. 

I understand that PayPal places a strong emphasis on security and compliance, and I appreciate your commitment to ensuring a safe and trustworthy platform for all users. However, I firmly believe that my account 's permanent limitation is a result of an error or misunderstanding, and I kindly request that you review my case and, if possible, restore access to my PayPal account. 

I value my relationship with PayPal and the convenience it has provided me in managing my finances. I sincerely hope that this issue can be resolved amicably, and I can continue to use PayPal 's services in the future. 

Thank you for your attention to this matter. I look forward to a prompt response and the opportunity to provide any necessary information to support the resolution of this issue.
Product: Credit reporting or other personal consumer reports

Recently I looked over a copy of my consumer report in which I've noticed several accounts reporting that have no knowledge of. The account and information motion listed in my dispute letter either doesn't belong to me or is inaccurate information. I asked Equifax to investigate these accounts to insure that everything is accurate in which they aren't. The creditors listed in my dispute letter have no permission to purchase my personal information nor did they have the consent from me to report anything. I am aware that I have a right to privacy in which that right was violated. How can I owe a debt to these creditors if there is no actual agreements between us? In order for any account to be reported on my consumer report they must have my consent. I understand that it is Equifax job to thoroughly investigate these accounts and do what's fair and equitable for me. These negative accounts are impairing my ability to obtain the essential necessities that I need for the daily living. Violations committed by Equifax and the creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Checking or savings account

Opened account on XX/XX/XXXX, and was locked out on XX/XX/XXXX. I called in and was asked to go to a branch to show my ID. I did so, and the representative had no idea why I was asked to do so, nor did the representative know who to call about the issue.
Product: Debt collection

AARGON COLLECTION AGEN acount # XXXX XX/XX/2019 amount {$2100.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required XXXX XXXX XXXX is done honestly, correctly ( on time ), completely, and accurately as well, otherwise I will have to escalate these issues to the CFPB, FTC, and my Attorney General. It is not complete and does not meet my standards as required by law.
Product: Checking or savings account

They said my account was active with no holds as it was, however they completely shut down the account as of right now and are now holding on to $ XXXX of my deposits since XXXX and the account was closed XX/XX/22. Theyre now saying theyre unable to reach the maker of the check in order to conduct a verification in order to ensure my check is not illegitimate, even though I have already deposited 4 checks in the 2 months I had this account. I just want my money back! XXXX is a a lot and really negatively affecting my small business, chase has no shame or desire to help even after speaking to XXXX XXXX the VP! 

If you look up forums online there are 100s of thousands of complaints similar to mine on chase, just over the past 3-4 months, check them out! 

I I can not find them how the industry handling peoples whole livelihoods money is not held accountable for impractical and unreasonable behavior where they can hold your money for no reason and still used to give it back two months later
Product: Debt collection

XXXX XXXX, with Patenaude & Felix, PC, representing XXXX, is refusing to provide a letter stating I have paid my account in full. He stated it is not their obligation to provide this letter. It is up to their client. However, their client, XXXX, refuses to give me a letter. They have received their money.
Product: Debt collection

On XX/XX/2021 I sent a debt validation letter to IC systems and got no response from them they had 30 days to respond by law they failed to provide me with documentation to prove that the alleged debt belongs to me. They received the certified letter on XX/XX/XXXX its been over 30 days and no response. This is affecting my credit worthiness I want this removed of all the CRA 's immedietely or I will be pursuing legal matters on this matter as a federally protected consumer. 


you will find the proof of the certified letter, proof of the company received the letter and never responded within the 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX  Account number XXXX  Date opened XX/XX/XXXX Account status Closed Status updated XX/XX/XXXX Account type Credit Card Payment status Charge-off Balance {$3700.00} Balance updated XX/XX/XXXX Credit limit {$3000.00} Terms Revolving
Product: Payday loan, title loan, or personal loan

I placed an order with XXXX XXXX in XXXX and they use Affirm as their financing company. I have been making payments on time, but there have been substantial issues with ID neglecting to meet timelines promised and continuously pushing dates of delivery back while not paying their vendors etc. This is well known on the internet and in groups I am a part of, so I ended up having the order cancelled by ID with the assurance Id get my money back in full ( over $ XXXX ). That was at the end of XXXX. Their system shows its cancelled, but Affirm is still hounding me for a payment even though I filed a dispute AND submitted documentation that the order was cancelled. I will not keep making payments on something I will never receive, especially when theres no guarantee that if I DO make new payments Ill ever see my money come back to me. This is unethical. I should not be expected to make payments when I have proof the order is cancelled and no product in hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX inquiries on my credit report that XXXX and Transunion are reporting that are not mine I have not approved submitted or signed for any of these and I dont know how these appear on my report XXXX - Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX - Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX  - Inquiry date : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  - Inquiry date : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX - Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX - Inquiry date : XX/XX/XXXX 2020
Product: Debt collection

Rent Recovery Solutions, LLC. is reporting an alleged debt on my credit report since XX/XX/2017. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.