23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello I am a XXXX veteran XXXX. I recently applied for income repayment and was denied because my only source of income is the XXXX. I have not worked since I left the military. According to the rules, I will not qualify for loan forgiveness because i am not XXXX.i have reached out to my doctor to sign the paperwork for me but va doctors are not easy accessible. i have this debt and no way to pay it and no other options.
Product: Credit card or prepaid card

In XX/XX/XXXX I applied for a credit card with American Express because of their promotion stating that if I purchase {$1000.00} during the first three months, I would receive a bonus of {$150.00}. When I received the card onXX/XX/XXXX, it did not mention anything about the {$150.00} bonus so I called the Company to make sure I was eligible for the bonus before I activated the card. The lady had to check and came back on the line saying I definitely was eligible. Then that same day, I activated the card and did purchase over {$1000.00} during the 3 month period. To date I have not received the {$150.00} bonus and I have called them on XX/XX/XXXX, andXX/XX/XXXX asking why the bonus was not forth coming. They tell me I had an account back in XX/XX/XXXX which was cancelled in XX/XX/XXXX and that makes me ineligible. It is not fair that I double checked before activating the card plus they accepted my application applying for the card which was promoted with the {$150.00} bonus. I spent over {$1000.00} which I could have used other credit cards with even better bonuses. They should not have accepted my application if I was not eligible as per their promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account # XXXX continues to report negative and inaccurate entries on my credit profile. I have disputed this account across all three Major Credit Bureaus. XXXX removed it but it still reports on Experian and XXXX. I never authorized nor consented to the opening of this account, and as a result I have specifically requested each Bureau provide me with the ORIGINAL SIGNED DOCUMENT, the one at the time of signing the day the account was opened. No Bureau has provided me with this information yet, which leads me to believe they don't have it and therefor this account needs to be deleted expeditiously from all parties reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are names that are on my credit report jobs that I have not worked at also phone numbers that do not belong to me I had fraud done to me so I would like to have the names and addresses and phones removed from my account. I have sent the proper paper work in before and not action have been taking My name is XXXX XXXX XXXX and my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX I'm employed at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ga XXXX so can I please have the extra names and address removed from my account
Product: Credit card

I XXXX XXXX XXXX was approved for a credit card on XX/XX/XXXX for a XXXX  XXXX Signature Credit card I used the digital wallet to make purchases on XXXX and was having issues with the digital wallet and also getting updated information in regards to me getting my actual credit card in the mail the emails was different than what was on the tracking status I called US Bank numerous of times one representative told me they couldnt find my account another one told me my account was locked for 48 hours to go over my transactions and I notified them that I was going to be making large purchases because I have just moved and for some reason I got locked out my account. And Im having to wait to get it unlocked I was never emailed to verify the purchases from the bank they just disabled my account.
Product: Debt collection

This " Company '', ACE, said they were collecting a debt. They said they would arrest my wages and get a court order from the credit bureau. 
I don't know if it is a scam. I owe money and will pay, but first they said {$2600.00}, then it was {$900.00}, now it's {$300.00}. What do I do? They said to pay via a XXXX prepaid card. They only go to {$250.00}.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted company and credit bureaus and told them I didnt authorize these inquiries. They said the cant remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been having issues with someone using my information to try and obtain credit
Product: Mortgage

Community Loan Servicing has grossly discriminated against me in their treatment of me as described in the attached document. They continue to refuse to provide me with complete documents and information that I've requested, and sent me a letter with false and deceptive statements as described in the attached document.
Product: Credit card or prepaid card

In late XX/XX/XXXX I had a large balance on my XXXX Card that I was unsure I would be able to pay off before my 12 months 0 % interest expired. Having recently opened a card with AMEX that offered 0 % interest for 18 months including on balance transfers I decided to start filling out an application for a balance transfer and see if this would be helpful to my situation. Upon getting most of the way through the application I received an email from AMEX stating that they needed further information from me to complete the transaction and to contact them. At this point I decided to wait and see what I wanted to do. No where in the email did it mention that the process would be completed regardless and I would not be contacted. After never receiving any further details or information about the transaction I was rather annoyed when on XX/XX/XXXX AMEX without my knowledge or final approval transferred {$3900.00} to my XXXX card. I had already paid the balance on XX/XX/XXXX ; when I receive an email from the company stating they need more information to complete the transaction I expect especially for a relatively large transaction to be contacted by the company at some point via phone call or email. I immediately upon discovering the issue contacted both creditors to figure out how to fix this issue. I then as quickly as possible got the {$3900.00} returned to AMEX. Howeever they were unwilling despite everything to credit back the {$110.00} fee to my account. I disputed the claim and hoped the issue would be resolved. Unsurprisingly I never received word about how the issue was resolved on AMEX 's end. So when I called on XX/XX/XXXX to inquire about the issue and they tell me it was resolved and there was nothing that AMEX can do to reverse the fee due to the balance transfer being completed, therefore I am responsible for taking care of this {$110.00} fee. In the end did not want the balance transfer and AMEX without ever contacting me completed the transaction. There customer service staff have been incredibly difficult to deal with and largely unsympathetic to the situation or how poorly this situation has been handled. I am trying to find the email from the ordeal stating more information was needed, but it appears to have been deleted from my inbox. The most frustrating part of this whole ordeal in the time expended trying to resolve the matter and the fact that AMEX continues to place all the blame with me for this matter even though I keep trying to explain to them that this transaction was not properly completed and yet they relentlessly try to put all the blame on me when I feel this whole issue could have been avoided if once via phone call or email I was notified that the transaction was going forward. AMEX tells me I am responsible to cancel the transaction, however in my mind it is difficult to cancel a transaction that you were unaware you had completed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> the following accounts were disputed per USC 1681B and 18USC 1028A Disputed XXXX XXXX charged off Account XXXX Disputed XXXX XXXX charged off Account XXXX Disputed XXXX XXXXXXXX charged off Account XXXX Disputed XXXX XXXX charged off Account XXXX Please have accounts removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 60 days past due on XXXX   XXXX partial account number XXXX. ( Please see page 10 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is. I want to open an investigation and solve my problem because is affecting my credit score.
Product: Credit reporting or other personal consumer reports

I arrived at this dealer and found out about the bad practices they are doing. First, they didn't tell me that the car had XXXX accidents, I had many mechanical problems and I gave it up voluntarily. They sold me an overpriced vehicle. Now they are charging me a sum of {$16000.00}. This account is XXXX XXXX account number XXXX. This problem is destroying my credit and my finances, as well as my family. I have been a victim of fraud and deceptive practices, lying and theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through a hardship, I am now back on feet and trying to buy a house. In the mix of these I wanted to begin to fix my credit. While reviewing my credit reports I cam across quite a few inaccuracies being reported. According to 15 U.S.C & 1681 law there should not be any damages being reported and this is a defamation to my character. Remove all fraudulent accounts immediately. 

After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account several accounts and validation was requested as these are accounts not recognized. I reviewed my credit again on XXXX and the accounts continues to reflect on my credit report and I have not received any correspondence from the creditors to validate these accounts as correctly belonging to me, nor has my credit report been updated to reflect that these accounts are being disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and the accounts are still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditors has authorization to access the accounts nor authorization to attempt to collect on these accounts and the accounts continues to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belongs to me and all information is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so disappointed when I checked my latest copy of my credit report online..There is a bankruptcy reported under Transunion CHAPTER XXXX BANKRUPTCY DISCHARGED : XXXX which obviously not mine..If you see my credit report, all of my accounts were in good standing until I saw this.. I have never filed a bankruptcy in my whole life.. I challenge Transunion regarding the accuracy and compliance of this listing. I have requested that the reporting company verify the accuracy of the information disputed, but failed.. I request that you take further action. Either send me evidentiary documentation supporting your verification or delete the accounts from my credit report within thirty days
Product: Debt collection

Dear cfpb, I, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts owed are fruad for the following items : XX/XX/XXXX Party Owed : XXXX XXXX Amount : $ {$140.00} Account # XXXX XX/XX/XXXX Party Owed : XXXX Amount XXXX $ {$140.00} Account # XXXX XX/XX/XXXX Party Owed : Hp sears ( original XXXX : western dental services XXXX XXXX XXXX XXXX XXXX {$2300.00} Account # XXXX I am a victim of fraud and this is not my account, and I want it removed immediately under 42 U.S code subsection 12203, Ucc1 308 FCRA, FCRA 15 USC 1681,1692 , 18 USC 1028A, 15 usc 1605 TILA act I am disputing this claim due to : account FRAUDULENT and I Am REQUESTING it to be removed immediately This is my official request to have the aforementioned items to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 

605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 39 605B - 15 U.S.C. 1681c-2 Unauthorized Use of Personal Information : ** If someone illegally obtains your personal details ( such as through a data breach or phishing scam ), they might use it to apply for credit.

2. Creditors Reporting Accounts : ** These unauthorized accounts are reported to credit bureaus by the lender, leading to negative items ( like debt, late payments, or collections ) appearing on your credit report. 
XXXX. Aggravated Identity Theft Crime : ** Since your identity was used to commit fraud ( such as applying for credit ), this qualifies as aggravated identity theft under **18 USC 1028A**, which covers identity theft committed by other criminal acts, like fraud. 

ID FOR COMPLAINT SENT TO XXXX ID FOR COMPLAINT SENT TO XXXX ID FOR COMPLAINT SENT TO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 i submitted a dispute to all three credit reporting agency with no response, on XX/XX/23 i submitted my XXXX letter with no response, on XX/XX/23 i submitted a complaint and all three credit reporting agencies stating they verified the inaccurate information and never sent me an updated report, on XX/XX/23 i filed an FTC report and mailed to all three credit reporting agencies with no response, this has been an ongoing issue, as i am a victim of identity theft. there are mispelled names that do not belong to and addresses i never lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a LENDING CLUB Loan & I have called on numerous ocasions to inform them that my loan is not being shown on my XXXX, XXXX, & XXXX Credit Report. I keep getting the run araund and I've decided not to continue trying to resolve this with XXXX anymore since it's not going anywhere, Note : I was told by LENDING CLUB that once I was approved for the loan that they REPORT to XXXX, XXXX, & XXXX.
Product: Credit reporting or other personal consumer reports

These is not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX They are being reported incorrectly. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having an issue, I looked at my score last month and it was XXXX now it is XXXX. I dont see anything on my report that would have effected it to that extent?!? Please help. 

Also I need to make sure there isn't a duplicated student loan that is still on here. Navient admitted to wrong doing and that they had duplicated my loan on my credit.
Product: Vehicle loan or lease

On XX/XX/XXXX, I made a payment on my Ally car loan. I incorrectly paid the wrong amount which means when the payment would post it would have me short and I would be considered late 30 days late so I called Ally to cancel the payment because I couldnt cancel it online so I could remake the correct amount. I was transferred four times back-and-forth to the same department that claimed it was another Depts job to remove. I did a stop payment took care of that issue, but in addition I need it help catching back up on the payments. I had a had a loss of income of XXXX a year to XXXX due to medical reasons this year has been financially and XXXX extremely rough. for an example, my XXXX father father lives XXXX miles away XXXX XXXX XXXX XXXX and hes in and out of the hospital and Ive had to go out and take care of him. My mother who got through XXXX XXXX to then be diagnosed with XXXX XXXX for that to be in XXXX is now came back and Ive had to be out there with her to help, myself XXXX and having to go XXXX XXXXXXXX, it was a very scary moment and Im traumatized from it to my engine, going up in the vehicle due to an oil pan being stripped {$8000.00} worth of work needing done and going without a car for two months, I was also impacted by the hurricane in XXXX when I was out there with my mom taking care of her in addition to my husband recently XXXX XXXX XXXX XXXX, not work related and was out of work for a month and now needing XXXX XXXX, co-pays, and other medical bills pilling up, I asked to speak to a supervisor and since XX/XX/XXXX I have requested a supervisor to call me three different times and no ones called me. XXXX I applied for an extension and got XXXX. They said you cant have more than three extensions in one year. Im not quite sure why they would have me go through the extension process if I had already had three if they were just gon na deny me so we try to do a modification to lower the payment. I got denied on that because the system denied me that was the reason,XXXX I asked for any other help with this account something to get back on track so it doesnt get repossessed because at that point I wont be able to ever catch back up. 
They refuse to give me any solutions or any assistance and again no Supervisor, The car is gon na be two payments behind. my mother had cosign for this car loan and now her credits gon na be ruined. This is not fair. She has XXXX and its came back. Please understand that Im writing this letter because I dont want this to escalate. My only resolution is I just wanted Ally to work with me and once the car gets repossessed because they refuse to work with me, then Im responsible for the remaining amount of this vehicle and then my credits ruined as well as my moms.Im just trying to get back on my feet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made efforts in getting rid of a collection account for the medical that does not belong to me. Its clearly showing on the report the last reporting date was in XX/XX/XXXX I reside in XXXX Hawaii XXXX since XX/XX/XXXXnever been to hospital of out hawaii I have notified them that I believe that I am a victim of identity theft and was ask this debt collector provide me information about the debt amount {$3100.00} The company has failed to adequately provide me with documentation that the account actually belongs to me. I would be happy to view any signed paperwork by myself and a copy of any adequate identification that was provided during the transaction. Of course this does not exist in the account should be removed Immediately as required by law and the rules at Set fort for ID theft victims
Product: Money transfer, virtual currency, or money service

Hello, I'm Moneygram International costumer. Would you sent this message to Moneygram International Financial Department because I can not find their email address. Please! 
I just notify them that I never received the refund back transactions I made in XX/XX/2018, XX/XX/2018, XX/XX/2018. I canceled those 'cause the receiver no longer needed money. 
XXXX XXXX ref No : XXXX Amount : XXXX $ and XXXX XXXX Ref No : XXXX amount : XXXX $ XXXX XXXX Ref No XXXX Amount : XXXX $ Thanks!
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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: Debt collection

Collectors falsely told people they were being sued article, without verifying debt the companies pressured consumers
Product: Credit card or prepaid card

On XXXXXXXX  I was alerted by XXXX of a hard inquiry on my credit from Comenity Capital/IkeaXXXX . I did not apply for a credit card from Comenity IKEA. 

On XXXX/XXXX/XXXX  I received an e-mail from Comenity IKEA in response to the visa credit card I'd applied for - which I did NOT apply for - and that they would get back to me in 10-14 business days. 

On XX/XX//XXXX   I reported this activity as Fraud with XXXX ; they placed a fraud alert on my account for the next year, will call me for any future requests for credit, and gave me the confirmation number of XXXX. 

On XX/XX/XXXX   I attempted to report this fraudulent activity to Comenity Bank and am still on hold...