23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX I placed an order with XXXX for {$160.00}. 
XXXX it shipped from XXXX On XXXX i started tracking ( bc in the past their packages have always arrived quickly. 
From XXXX to XXXX it showed just sitting with no updates or movement. I tried to contact XXXX via their app, as they don't have a phone number, no one every replied. 
On XXXX I filed a dispute with my cc for the amount. The package still hadn't moved and XXXX still would not reply. 
On XXXX I ordered the items they still had and we DID receive that package quickly. 
On XXXX I checked again and it still showed sitting in transit with no movement ( attached screen shot ) FINALLY on XXXX at XXXX : XXXX EST XXXX sent me an email telling me the package was lost and asking if i wanted a refund or for them to reship. 
I replied within an hour and advised them I wanted a refund because I had already reordered and received the other items. I also had to click a link on the email and click refund. 
I did NOT cancel my dispute as I have learned to not do that till refund comes thru. On XXXX, Goldman Sachs emailed me that they found in favor of XXXX and I was not getting a refund. I contacted Goldman right away and asked how they could find in favor of XXXX when the package was lost and they even said it was. I was told that XXXX told them I ordered the items. I explained it was never an issue of me ordering them the issue was the package was NEVER delivered. So Goldman sachs made me open a 2nd dispute for this same issue, which i did on XXXX. This time I sent them the email from XXXX stating the package was in fact lost. 
On XXXX, i get another email that they sided with XXXX again. I called Goldman again to find out how in the world they could side with XXXX when I sent proof it was lost. They said XXXX sent them proof it was delivered. Since it was not delivered I asked to see the proof. On XXXX i got a photocopy from Goldman that showed the package was IN TRANSIT on XXXX, This is also a screen shot i had from XXXX showing the package was " in transit and not delivered ''. 
Nothing shows it delivered. And again, XXXX emailed me on XXXX stating the package was LOST. I asked for a supervisor at Goldman and again was told they would have to open a dispute. So this is the THIRD time they are making me dispute this and refuse to help me. I have the emails, screen shots and what Goldman sent me showing it was NOT delivered. Goldman will not allow me to talk on the phone with them and constantly make me use texting. It is not going on 5 months and they refuse to help.
Product: Credit reporting or other personal consumer reports

I have inquiries that need to be removed from my credit report. I didn't give written authorization to have my report pulled by XXXX XXXX and Capital One. This is under XXXX XXXX XXXX XXXX XXXX. Capital One inquiry happened on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX inquiry happened on XX/XX/XXXX. 

There are late payments on my credit report. I wasn't notified within 21 days according XXXX XXXX XXXX XXXX. 

My student loan ( XXXX ) was forgiven by XXXX. XXXX XXXX. The report is showing the amount of {$140000.00}. 

I found inaccuracies with an collection account XXXX XXXX XXXX under XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached letters detailing the errors on my credit report.
Product: Credit card or prepaid card

US Bank keeps sending me unsolicited emails, spamming me of all kinds of offers and advertisements that I have absolutely no interest in. Also, their email doesn't contain an unsubscription link. This is very intrusive.
Product: Bank account or service

I did a check deposit on XX/XX/XXXX in my checking account, I waited 24 hours meanwhile the check was pending for verification. On XX/XX/XXXX the bank gave back the check because had not funds. Also I reported this case to the police because it was a scam related with a supposed training for a new job. The money was sended to do two payments related with the new job duties.
Product: Credit reporting or other personal consumer reports

Kohls has been reporting false and inaccurate information on my credit files, reporting my account 30 days past due. I went into a hardship program approximately XX/XX/XXXX, with payments being set at {$110.00} due on the XXXX of each month. If payments are not received on the XXXX of the month, Kohls reports the payment as 30 days past due, no matter if the payment is made on the XXXX or XXXX of the month. 

Also, in or around the end of XXXX, beginning of XXXX, I reached out to KOHLS in reference to my account balance, and scheduled payments. I asked KOHLS rep. if my current payment plan of {$110.00} was up to date, because I had paid my balance down by $ XXXX {$400.00}. I wanted to know if my payment was going to be less than {$110.00} going forward, since the balance was lower. The rep. stated your PAYMENTS are {$80.00}, not {$110.00}, and I asked her if she was sure that my payment was now {$80.00}, she assured me that it was. Prior to this phone call, I made an early payment of {$200.00} on XX/XX/XXXX, towards my XXXX payment, which wasnt due until XX/XX/XXXX. 

On XX/XX/XXXX, I made an {$80.00} payment on my KOHLS charge account, which was thee amount the KOHLS rep. told me my payment would be going forward. And on XX/XX/XXXX, I made another payment of {$80.00} on my KOHLS charge account, but KOHLS reported my account 30 days past due for the months of XXXX and XXXX, with an outstanding payment of {$74.00} due. 
I paid {$200.00} on XX/XX/XXXX, {$80.00} on XX/XX/XXXX, {$80.00} XX/XX/XXXX, and another payment of {$110.00} on XX/XX/XXXX, which is a total of {$470.00}. 

If the said payments were in fact {$110.00} per month and not {$80.00} per month, then that totals {$350.00} ( for 3 months XXXX, XXXX, and XXXX ), which is {$120.00} more than what was due and required of me to pay for the three months ( XXXX, XXXX, and XXXX )! Therefore, I am requesting an immediate audit of my KOHLS CHARGE ACCOUNT! 

The credit bureau reporting guidelines state that a creditor may report a consumers account late, if a consumer pays an account 30 DAYS AFTER THE PAYMENT DUE DATE!!! On my most recent credit report it shows XXXX and XXXX as 30 days past due, which is ABSOLUTELY FALSE / INAACURATE! 

Further, Kohls is reporting inaccurate and false information against the Fair credit reporting act and Consumer protection agency rules and guidelines, and is refusing to remove such negative reporting. I have proof and receipts of all payments made on my account, which shows that payments were made before 30 DAYS AFTER THE PAYMENT DUE DATE! A creditor CAN NOT submit false information to the credit bureau just because a payment is past due by 1-29 days. As long as the payment is made within the 30 days cutoff period, they have to follow and abide by the laws of the Fair credit reporting act, and the Consumer protection agency. 

This company needs to be investigated for unfair business practices and laws. Further, under the hardship programs a consumers account is not supposed to be reported to credit bureaus, and especially is the payments are not received 30 DAYS AFTER THE PAYMENT DUE DATE.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 

XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 

XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I am a victim of identity theft and I never opened this account. 

I have included the identity theft reports.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO ( Experian ) credit report which I do not recognize as reported and which are the result of identity theft and fraud. An account was opened at ( XXXX XXXX XXXX  ) on XX/XX/year> under the XXXX account number. These accounts have resulted in several fraudulent late payments appearing on my consumer FICO Credit Report. I demand that the aforementioned fraudulent items be removed from my consumer report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and late payments are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Checking or savings account

My account was hacked and they are holding me responsible and they did not want to help me at all and this is what I sent to them and they told me that I was responsible Subject : Urgent : Dispute Over Hacked Account and Repayment Demand Navy Federal Credit Union, I am writing to formally express my concern and dissatisfaction regarding a recent issue with my account. It appears that my account was hacked, and unauthorized transactions were made. I have already reported this incident to your team, yet I have been informed that I am now being held responsible for repaying the money taken during the fraudulent activity. 

I would like to emphasize that I had no role in these transactions, and the breach of my account was completely beyond my control. As a loyal member of Navy Federal, I have always taken care to safeguard my account information, and I am deeply disappointed that my account was compromised despite these efforts. 

I am requesting a thorough investigation into this matter, including the unauthorized transactions and the breach itself. It is unfair and unacceptable for me to be held accountable for actions I did not authorize or benefit from. 

Please provide a detailed explanation of the findings related to this case and how the conclusion to demand repayment from me was reached. Additionally, I would appreciate any information on the security measures in place to protect account holders from such incidents. 

This situation has caused me considerable stress, and I would like to resolve it promptly. Please contact me at [ your phone number ] or [ your email address ] at your earliest convenience to discuss how this matter can be rectified. 

Thank you for your attention to this issue. I trust that Navy Federal will handle this matter fairly and in line with its commitment to its members. 

Sincerely, [ XXXX ] [ account number XXXX [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number:XXXX  Account name : Department of EducationXXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4100.00} Account name : Department of Education/ XXXX Account Number XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$5000.00} Account name : Department of Education/ XXXX Account Number XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1200.00} Account name : Department of EducationXXXX XXXX Account Number XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2900.00} Account name : Department of EducationXXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4900.00} Account name : Department of Education/ XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4200.00} Account name : Department of Education/ XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2500.00} Account name : Department of EducationXXXX XXXX Account Number : XXXX Open Date XXXX XX/XX/XXXX Balance : {$4200.00} Account name : XXXX XXXX XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX XXXX XXXX 
Account number : XXXX Has Violated my Rights. 

I Looked at my ( Experian ) credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And recording to the fair credit reporting act, When ever a consumer reporting agency prepares a consumer report it shall fallow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report related according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i They are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) In general if, After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- I : Promptly delete that item of information from the file of consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. And II : Promptly notify the furnisher of that information that the information ahs been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found late payments reported on credit after comparing lates reported against the dates my account was in Forbearance during the times that late payments where reported. I previously contacted XXXX about this and they said that the account was being reported correctly.
Product: Credit reporting or other personal consumer reports

My accounts 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, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

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 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.
Product: Checking or savings account

Huntington bank issued a lifetime ban on my information due to accounts being opened in my information that were fraudulent. I supplied proof of the accounts being fraudulent and even got third party companies such as XXXX XXXX XXXX to investigate and confirm them as fraudulent and not of my responsibility. 

XXXX still closes any account I attempt to open. Please help.
Product: Debt collection

XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. Here is the account name and number for reference and incorrect amount. Coast to coast financial acct # Unknown amount XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! Thanks, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Ky XXXX Last XXXX XXXX
Product: Mortgage

My mortgage is currently being serviced by Select Portfolio Servicing ( SPS ). In XX/XX/2018 I changed homeowners insurance companies & submitted the info to SPS for processing because I have an escrow account. It later came to my attention that I did not have adequate coverage & was forced to cancel the policy obtained XX/XX/2018 & secure a new policy on XX/XX/2018 with XXXX. I received a letter from SPS dated XX/XX/2018 stating my mortgage payment would change from {$1200.00} per month to {$1400.00} per month beginning XX/XX/2018. I contacted SPS on XX/XX/2018 & the first representative placed me on hold for over 15 minutes because she did not understand how to review my account & had to seek assistance from a supervisor. I then called back & spoke with XXXX. I inquired as to whether SPS had received the refund from XXXX XXXX XXXX because an analysis had been completed on my mortgage. XXXX informed me that there was no record that XXXX had received the refund from XXXX XXXX XXXX. I then inquired as to why an analysis had been completed on my mortgage & I just cancelled the policy with XXXX XXXX XXXX on XX/XX/2018 ( not even 2 weeks had passed ) & was waiting for the refund to be issued. XXXX told me that an analysis is completed at the same time every year. I explained that the only reason why an analysis would be warranted at this time is because I had to switch insurance companies again. My complaint is that SPS business practices are flawed in that they did not allow adequate time for my escrow account to be refunded before conducting another analysis. The difference between my cancelled policy with XXXX XXXX XXXX & my new policy with XXXX is approximately {$300.00} +/-. This difference should not increase my mortgage over {$200.00} per month as stated in SPS most recent analysis on XX/XX/2018.
Product: Debt collection

Trident Asset Management is r eporting a   XXXX    colle ction accounts on my credit reports with multiple errors that are a violation of the Fair Credit Reporting Act and needs to be deleted.  <P/> Account Numbers :  XXXX  and  XXXX   1.  On   XXXX    they are listing the account type as " open '' when it should be a collection.  <P/>  2.  On  XXXX , they are reporting an address of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , GA  XXXX  when that address is no where on their website o r BBB profil e. How can they have different address on each report?   XXXX    shows the address of  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX  which is on their website.  <P/>  3.They  never sent me proof they are able to collect this debt, such as a bill of sale, or any letters from the  XXXX  or   XXXX   XXXX   XXXX    saying they can  collect this debt.  <P/>  4.  On  XXXX  they have their name as TridentAsset.com but on   XXXX   they list  Trident Asset Management. How can they have  XXXX  different names on   XXXX   different reports.
Product: Credit reporting or other personal consumer reports

I am disputing following companies for unauthorized inquiries I had no knowledge of up until this point. I am a victim of identity theft and will provide docs of the many submissions i have placed to prove that my account has been tampered and. I am trying to clear my report and this includes erasing these inquiries that wasnt authorized by me
Product: Credit card or prepaid card

I had already paid this Kohl 's account and they are still reporting it on my credit report but they keep updating it and it is hurting my credit. Even the date of late payment is different across each credit report.
Product: Mortgage

I am an employee of Florida Pro Mortgage and I want to file a complaint against the company and the broker, XXXX XXXX, for not protecting consumers and for teaching illegal way to do business. 

I have clients that are suffering loses, due to decisions or lack there of, by XXXX XXXX and Florida Pro Realty and I want him stopped before he does this to other people.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate this account under Sections XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 

XXXX Balance : {$31000.00} ; XXXX XXXX : {$16000.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$17000.00} ; XXXX Balance : {$12000.00} ; XXXX XXXX : {$17000.00} ; XXXXXXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$680.00}.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am writing to dispute the late payment reported for XX/XX/year> on my XXXX XXXX  account ( Account number : XXXX ). I have never been late with any payment on this account. Therefore, I request that you provide documentation supporting any claim of late transactions related to this account. 
If you are unable to provide proof of such a late payment, I ask that you immediately remove this erroneous entry from my credit report. 
Additionally, under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late on an open-ended consumer credit account if the payment was made on time.