23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Well my account was compromised on Saturday the XXXX I was locked out the account after clicking a fake chime link on XXXX I immediately called chime told them what happened and the so called locked the account I wasnt able to get in but the scam people was they then cleared my account out after crying and calling and telling chime everything they did nothing for days but keep me locked out the email and phone on my account begin to change daily multiple times after I call and have chime put it back to the correct email address and phone number they finally disputed my amount XXXX so its been locked in the account since the XXXX they havent been able to secure the account long enough for me to take my money out so I asked if they can please close the account there is no other way I have pleaded to the to close my account but it has been reopened 4 times after I have closed the account out They keep saying they will mail my money but they cant give me a date because someone keeps reopening the account daily which means Ill never get my savings I had with chime for 2 years now
Product: Student loan

Good Morning, I am writing in regards to my loan payments. I have been making payments since I graduated from college. On the review of my last payment, I realized there was an amount on there from the federal government indicating I owed money. 

In XXXX, I was unable to pay any money from my student loans, resulting in the defaulting and garnishment of my wages. I was fortunate enough to have the garnishment paid in full in XX/XX/XXXX and the garnishment was ended. 

In the current loans I am paying, there is an amount indicating I owe that is the same amount I had garnished from my wages. I have contacted FedLoan.Org on these occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX During each call, I was passed around and had no resolution or research done to confirm my loan dispute. 

I have continued to pay my loans, even though I feel I do not owe part of the amount I continue to pay. 

In doing additional research, I contacted XXXX on XX/XX/XXXX and they redirected me to XXXX XXXX XXXX XXXX, as they state the loans that I paid off in XXXX were originally serviced by them. They provided me with a number ( XXXX ). This number they provided is no longer in service and there is not a contact to this servicing group who could assist me. 

I believe the review of this matter is important because I am a consistent payer on my accounts. I am of the belief part of my student loans have been duplicated, causing me to pay a loan that I have already paid off 3 years ago. Please provide any assistance where you can to help remedy this situation and adjust the amount that I am paying monthly. 

Thank you.
Product: Mortgage

***AUCTION SCHEDULED XXXX I am having serious issues surrounding my rights after the death of a borrower with my fathers reverse mortgage. I, XXXX XXXX am the trustee, estate representative. XX/XX/XXXX I notified XXXX XXXX XXXX XXXX of my dads passing. I was informed of the death of a borrower process. I was informed I was allowed up to 12 months to satisfy debt and the extension process was explained. Page 18 in Know your rights. I uploaded the required documents. The property is currently ( XXXX ) under a water damage claim/repair that affected half of the 1st floor kitchen and the 2nd floor bathroom plumbing. This process is being monitored by the reverse mortgage servicer. This particular foreclosure should have ended with the death of the borrower, but at this point all I am trying to do was get an extension until the monitored repairs are complete and the sale can continue with an appropriate appraisal. In XX/XX/XXXX I started getting Foreclosure letters from XXXX XXXX, NO COMMUNICATION from my servicer/lender. *** I spoke with XXXX XXXX with XXXX XXXX as advised by XXXX XXXX XXXX to get assistance. The firm representing the reverse mortgage lender asked me when the last time I made a mortgage payment was? I asked if the lender or HUD was given my death of borrower extension requests, he responded by telling me there is no extension process?!?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX XXXX and Experian, and XXXX are reporting 30 day late payment for XXXX  account on my credit report. The Cares Act states that NO Late Payments are to be reported to the financial bureaus during the time of Covid 's Forbearance period. I have written disputes to all three credit reporting agencies the account that they are reporting as late and Experian has deleted it but Experian and XXXX have not deleted the 30 day late payment. I need Experian, and XXXX to abide by The Cares Act. They are violating The Cares Act. This is a law to protect us that have been affected by the XXXX. Please help Experian, and XXXX update the XXXX  account to reflect a clean and on time payment history, and DELETE the thirty ( 30 ) day late payment. This has caused my rates to increase for my medical insurance and I have been denied for loans due to this inaccurate information that Experian and XXXX are reporting on my report. They are violating my rights.Thank you for your hep with this matter.
Product: Credit card

I purchased steaks and hamburger from XXXX XXXX, an online meat delivery company. The box arrived, the meat was thawed, and spoiled. It arrived in a cardboard box that was not insulated, nor packed with dry ice. The meat was not editable and had to be put in the garbage. I contacted the company and they refused to provide a refund. I filed a dispute with my credit card company, see attached exhibit # 1, I filled out the form that they requested describing the problem, see exhibit # 2. They denied my dispute, see exhibit # 3, claiming " it lacks all of the previously requested information ''. I sent to them all of the information possible concerning the issue. I filed a request to continue the dispute, see attached exhibit 4. On XX/XX/XXXX they sent to me the exact same form letter, " it lacks all of the previously requested information ''. I not only explained my dispute to the customer service representative, I filled out the form completely, and I sent them 3 pictures of the plain cardboard box that the spoiled meat arrived in. What responsible company sends {$460.00}. of meat in a plain, uninsulated box.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau Name, I am writing to formally dispute inaccuracies on my credit report. I have identified items that are not valid, including a derogatory mark that is unrecognizable and an incorrect address that does not belong to me.

Due to these discrepancies, I have taken the precaution of freezing my credit to protect myself, as I fear someone may be using my personal information without authorization.

According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is illegal to report inaccurate or unauthorized information without my consent. Therefore, I respectfully request that you remove the following : 1. The derogatory mark for Capio Partners {$520.00} opened XXXX XXXX Please investigate these items and correct or remove them from my credit report. I have included copies of my identification and any supporting documents to assist with your investigation. 

Thank you for your prompt attention to this matter. Please notify me of the results of your investigation at the address provided above.
Product: Student loan

My wages are being garnished by UHEAA already and therefore, I have little money to actually live on. They have begun calling my work and I am not allowed personal calls at work. I have told them that twice now and the gentleman I spoke with today, XXXX, said they would continue calling my work because I am not on an approved payment plan. I told them they can email me, write me letters and call my personal phone all of which they have and he said they will continue to call my work. 

I can not currently try to get on a payment plan because they are taking so much money I wouldn't be able to support myself and my son having to pay both for six months. If I get fired from my job, I will be unable to work and pay them at all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Notice of Inaccurate Reporting and Violation of FCRA 1681 ( e ) ( b ) Dear XXXX XXXX XXXX XXXX I am writing to formally dispute the inaccurate reporting of the partial account XXXX to the credit reporting agencies. It has come to my attention that your company has been reporting this account as charged off repeatedly, despite the fact that a charge-off is a one-time event that occurred in XX/XX/XXXX 
Under the Fair Credit Reporting Act ( FCRA ), 1681 ( e ) ( b ), furnishers of credit information are required to ensure the accuracy and completeness of the information they provide to credit reporting agencies. By reporting multiple charge-offs, you are providing misleading and inaccurate information, which constitutes a violation of my rights under this provision of the FCRA. 
I respectfully request that you : Immediately correct the reporting error by ensuring the account reflects the accurate charge-off status, with the correct date. 
Provide written confirmation of the corrections made to the credit reporting agencies ( Equifax, XXXX, and XXXX ). 
Cease all further inaccurate reporting of this account. 
If this matter is not resolved promptly, I have also filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue additional legal remedies to protect my rights under the FCRA. 
I expect a response and confirmation of the corrective actions within 30 days of receiving this letter, as required by law. You may contact me via mail or via email : XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I have eviction filings on my credit report that were dismissed by the court and should be removed from my report, also one with a mobile home that I purchased, I was never evicted from the mobile home because it belonged to me, I want them off of my credit report because it is wrong, I have never been evicted from any properties, Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to Experian on XX/XX/XXXX. Regrettably, Experian has failed to respond to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in addressing these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report pertains to the following accounts : XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$6300.00} The following accounts are not mine, and I request their removal from my credit report : XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$2800.00} XXXX XXXXXXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} XXXXXXXX XXXX  Opened : XXXX XXXX, XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$8500.00} XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$3500.00} XXXX Opened : XXXX XXXX, XXXX Balance : {$100.00} XXXX XXXX XXXX  Opened : XXXX. XXXX, XXXX Balance : {$770.00} I request that Experian promptly corrects or updates the inaccurate information associated with the XXXX XXXX XXXX XXXX  account on my credit report. This account was never late, contrary to the information currently reported. 

Furthermore, as these additional accounts are not mine, I insist that Experian removes them from my credit report. The inclusion of these accounts creates an inaccurate representation of my credit history and financial responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Avid Acceptance LLC should show a XXXX balance as it was included in a bankruptcy filing. Please have Avid Acceptance correct and remove the incorrect account information.
Product: Credit card or prepaid card

My Target Red Card monthly credit card payment was due on Sunday XX/XX/XXXX. On XX/XX/XXXX, Target charged me a late fee of {$29.00}. I confirmed with my Bank that at my instructions, they sent an electronic payment transfer to Target on Friday XX/XX/XXXX. My bank informed me, that just about every transfer sent by this method will be received by Target on Friday. 
I called Target Red card service at about XXXX XXXX CDT on Monday. A very polite agent named XXXX, informed me that Target had not received or posted my payment as of that time. She credited my account for the {$29.00} late fee based on my relations with Target. However she insisted that Target was not responsible because they did not receive the payment. 

It seems to me and I hope you will investigate, Target has set up a system that has the customer pay, when their system does not work. I needed to spend my time, given Covid, I do have plenty of time, to inquire about their shortcomings. This is extra fee, Target imposes on busy people and families. 

I request that you investigate to see if Target has a pattern or practice of making the customer pay for their mistakes. Hopefully, it is just me that had a bad experience with Target.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the ( 5 ) charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Product: Credit reporting or other personal consumer reports

XXXX Account number XXXX UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXIST!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently received a computer generated letter stating that you would not open up an investigation of my credit reports because in your opinion the letters you received look like they were sent from a third-party credit repair agency. I believe this was part of your plan to delay the process and grant you an additional XXXX  days. I believe it to be a blatant violation of the FCRA. I have sent in a copy of my government issued ID as well as mail showing proof of address. Along with proof of the stall tactics you using on your end. You are fully aware that I have questioned the accuracy of a few items. The request was written by me and mailed by me. NOT a third-party credit repair company. You are abusing my right In accordance with the Fair Credit Reporting Act, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A. States I have the right to privacy.

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute and FTC report was submitted for a fraudulent account and hard inquiries on my credit reports. 

XXXX account : XXXX {$7300.00} Hard inquiries : Transunion - 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 XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - 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 XXXX  XXXX  XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be 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. 


EQUIFAX 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 21 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! 


Update the late payments from my consumer reports
Product: Debt collection

Im unaware of this debt, i didnt have an opportunity to dispute this information. If in fact you believe you gave me proper notification, then please send me the certified receipt with my signature on there stating i received it. 

According to complaint XXXX. Company stated account would be close.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you of an account that is inaccurately reporting false information. The account in question are related to the creditor, American Express. I have contacted the credit bureaus ( XXXX, XXXX XXXX XXXX ) on numerous occasions along with contacting the creditor, American Express. To date, I have yet to receive a response from the creditor, XXXX XXXX XXXX. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. 

American Express has yet to provide a response to my initial complaint. However, XXXX XXXX XXXX XXXX continue to report these accounts as derogatory on my credit report due to late payments. I have provided all supporting documentation to XXXX XXXX XXXX XXXX requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : ( 1 ) Correspondence to the creditor ( American Express ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX 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 Balance : {$0.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX Balance : {$0.00} XXXX  XXXX Balance : {$500.00} XXXX Balance : {$190.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX Balance : {$0.00} XXXX XXXX Balance : {$500.00} XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00}