23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I disputed this fraudulent accounts multiple times with Experian and they kept ignoring my request. So, I'm filing a compliant against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed a unauthorized account. Please remove this immediately as it does not belong on my report, and it is affecting my quality of life. I am being denied because of this inaccurate UNAUTHORIZED account and this need to be removed immediately.
Product: Debt collection

AD ASTRA RECOVERY SERVice buys medical bills from health providers for pennies on the dollar hoping to cash in by harassing you, your family and friends. Completely terrible company.
Product: Checking or savings account

On XX/XX/13 I initiated an online transfer in the amount of {$2000.00} from my checking account at Suntrust to my checking account with XXXX XXXX XXXX. The transaction posted and debited from my Suntrust account. As of XXXX I have not received the funds in my XXXX XXXX XXXX account. I contacted XXXX XXXX XXXX on XXXX and they had no pending transactions. I also contacted Sutrust and was advised that the transaction failed and the funds were stuck although they removed the funds from my interest bearing checking account on XXXX. They are basically holding my {$2000.00} for no reason. This was money from a direct deposit from my payroll that I am entitled to. I have spent over 2 hours on the phone trying to resolve this. I was advised that they are now releasing the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

dates are inaccurate this is not a valid report please delete
Product: Mortgage

XXXX XXXX Cases XXXX & XXXX I Suffered a Major XXXX, In the Current 3-4 years of Medical Recovery, my Sister was assigned my CARETAKER, I Lived with Her My House was 99 % Mainly Vacated. The XXXX XXXX XXXX XXXX of XXXX XXXX and XXXX XXXX who GIFTED The XXXX XXXX XXXX via a TITLE Transfer of Said Property as a INDIVIDUAL GRANT DEED in my unmarried man NAME This real estate documentation have been LEGALLY RECORDED at the XXXX XXXX County Clerk Recorder 's Office of the State of California for the last twenty-one years ... During this time of House Vacancy the XXXX XXXX XXXX XXXX with Other Associates Executed a A CRIMINAL TAKE PROCESSION of my real estate Property via SERVE CIVIL FRAUD for PROFIT.. 
They are ILLEGAL TENANTS, UNDER FRAUDULENT ACTIVITY RENTAL-LEASE agreements and my Single Family House is being ILLEGALLY RENTED-LEASED, AS DUPLEX UNIT .... 
This is also my Brother permanent Place of Residency ... .thank you
Product: Student loan

I graduated from the XXXX XXXX XXXX XXXX in XXXX of 2023. I was a XXXX XXXX for XXXX continuous years until graduation. I received federal loans for each semester I was a student. I consolidated several of my loans at one point while being a student. Shortly before graduation my federal loan servicer was transferred from Great Lakes to Nelnet. Since the transfer I have had many issues. Firstly, All my loans were switched from the standard repayment plan ( the default repayment plan ) to an extended repayment plan. I did not request this transfer and I contacted Nelnet. They fixed this issue. 

Secondly, of the XXXX loans that Nelnet is the servicer for I have various first payment due dates and only XXXX of my loans are in the XXXX month grace period. I have XXXX XXXX XXXX loans, XXXX XXXX XXXX loans, and XXXX XXXX XXXX loans. All of these loans are eligible for the 6 month grace period from the time of graduation and should all have a first payment due date of XX/XX/2023. The XXXX XXXX XXXX  loans and the XXXX XXXX XXXX loans have various due dates in XX/XX/2023 while the XXXX XXXX XXXX loans are in the correct grace period with due dates of XX/XX/2023. 

I have contacted Nelnet XXXX separate times and have been assured they would fix the issue. Each time I have called them they have stated a different reason for the issue and attempted to help correct the issue. The third time I called them they stated the loans were not eligible for the 6 month grace period and they could not fix the issue. Every information I am able to find assures me that all XXXX of my loans are eligible for the 6 month grace period and thus should all have a due date of XX/XX/2023.
Product: Mortgage

I have tried several times to get Chase to correct their mistakes and get no response. I've called, faxed letters and messages on-line to get this resolve but get no response to fix it. 

I put my mortgage payments on bi-weekly and Chase withdrew a whole payment at one time and then withdrew another whole payment 2 weeks later. I have correspondence to attach to this complaint. 

Originally they said it wasn't set up right and I told them what I wanted and they said they'd fix it that way but didn't. 

I had to put a stop payment on my account because they were causing NSF charges for over-withdrawing. 

Please see the attached and make Chase service their mortgage propelry. 

Thank you.
Product: Mortgage

Quicken loans fails to apply principal-interest payments : Quicken Loans has received principal-interest payments in full but have not applied one or more payments to the loan pay-off. All payments have been exactly in accordance with the mortgage loan contract including the schedule for principal-interest and in accordance with the schedule in the approved escrow agreement. Beginning in XX/XX/2019 separate checks have been issued for principal-interest payments and for escrow payments. All payments have been received on or before the due date by Quicken Loans. Quicken loans cashed the XXXX  payment check that is clearly identified as principal and interest and the check clearly identified for for escrow but failed to apply the principal-interest amount to the loan repayment.

The billing statement dated XX/XX/2019 falsely states that the last paid principal is {$0.00} and the last paid interest is {$0.00}. The canceled check that was cashed by Quicken Loans on XX/XX/19 for the XX/XX/2019 payment clearly stated that principal was {$750.00} and interest was {$700.00} for a total of {$1400.00}. Also Quicken Loans notified the client by e-mail on XX/XX/19 about payment information as follows : Payment received : {$1600.00} ( included escrow ) Total applied : {$1600.00}.
Product: Money transfer, virtual currency, or money service

I have been attempting to move IRA funds from JP Morgan to XXXX since XX/XX/2022. JP Morgan is requiring a XXXX XXXX on the 1035 Exchange / Rollover / Transfer Form, which they say can be provided by my bank, which also happens to be JP Morgan Chase. Chase refuses to issue the XXXX XXXX on my paperwork. I am an insurance agent and can sell annuities, so I am attempting to move some of my funds to an annuity I have written for myself through XXXX. Chase tells me that since I am the annuitant, the annuity owner, and the annuity producer, they are not able to issue a XXXX XXXX  signature on my transfer paperwork. Given this is a requirement from their own company, and will not comply with their own request, they are essentially holding my funds hostage. I have filed a complaint twice with Chase as well as gone to the local branch to attempt resolution and nothing has worked. I was told there was nothing they could do and to attempt to get the signature from another bank. Other banks don't have a relationship with me or know who I am.
Product: Credit card or prepaid card

I have multiple, recurring issues with AmEx that suggest a pervasive pattern of fraud or misconduct that surely impacts many consumers. In XX/XX/XXXX, I  donated points to a charity. It took 20 HOURS of contacts over four+ months before the checks were finally sent to the charity. Last month, I donated points again -- - three sets on the same date ( XX/XX/XXXX ) ; the charity received the check for the first donation but is still waiting for the other two checks. 

Last XXXX, I purchased an item on XXXX. I refused delivery when it arrived missing pieces. The Seller agreed to provide a full refund. AmEx credited the full amount. However, six months later, it charged my account claiming the Seller had challenged by dispute and billed me again. To my knowledge, I am still due a refund of that subsequent charge. 

In XX/XX/XXXX, I purchased a guitar for {$1600.00}. The guitar started twanging so I returned it. I did not hear from the Seller for two weeks, so I filed a dispute and received a credit for the full {$1600.00}. However, every month since then, I have been recharged {$1600.00}, and I have to spend hours redisputing the charge. To date, the amount has been charged three times and credited three times. Last week, my payment-due increased dramatically. I scoured my XXXX statement but could not find how the amount was calculated. I charged {$3300.00} and received credits of {$2400.00} I do have a pay-over-time balance, so my payment due included {$360.00} in interest plus 1 % of that PIT balance. AmEx is demanding {$5000.00} plus the {$360.00}, which is exactly {$1600.00} more than my actual charges of {$3300.00}. I spent -- - literally -- - four hours chatting with AmEx. Fortunately, I copied and pasted some of the conversations, because some of them got deleted when I got booted and had to re-log onto AmEx 's chat.

I don't know what scams these are, but AmEx refused to address the {$1600.00} charge. Its rep said over and over that I needed a " new reason '' to dispute the charge other than that I bought a defective item, returned it to the seller with his agreement, and am still charged. He also insisted that AmEx is " just the mediator '' in disputes but that I have no recourse at all if the seller challenges my dispute. The seller, on the other hand, emailed that AmEx had withdrawn the full {$1600.00} PLUS fees from his account back in XX/XX/XXXX. He did not challenge my dispute at all! 

This is too pervasive to be unique to me ... and it crosses several categories of possible consumer fraud. How many points are donated to charities but AmEx never delivers those checks??? How many consumers are charged again and again for items such as the {$1600.00} charge? And when the statement clearly fails to substantiate the additional charge, what recourse do consumers have to defend against abuses such s this?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/1983 please be advised that a copy of this letter has also been sent via certified mail. 

the XXXX, XXXXn and experian credit reporting agency have all been dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, after receiving my credit report it was confirmed that the company lexis nexus was the supplier of this invalid account being reported, so I called them to request that I have this validated and they stated that they have not validated this debt with XXXX, experian or XXXX, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. 

I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). 

please provide me with the courthouse name, address, phone number of who verified this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$500.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$1400.00} ; XXXX XXXX XXXX Balance : {$650.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : XXXX XXXX XXXX Account number XXXX Please provide me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX XXXX XXXXXXXX ) & ( XXXX XXXX XXXX  XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$XXXX} per violation. My attorney who specializes in suing debt XXXX will be on standby waiting for my instructions.
Product: Credit reporting or other personal consumer reports

I do not recognize this address and I have not lived there please remove XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, All 3 credit reporting companies- XXXX, XXXX and Experian have inaccurate information reported. I received from the New York Civil Court Index - No : XXXX - Stipulation Discontinuing Action. I have sent copies of this court action to all 3 credit reporting companies -this is proof to remove the collections and negative items from my report. I have attached the letters and court documents for your review as well.

I have sent written letters with supporting documentation to all 3 credit reporting companies. I have spent hours on the phone with customer service and I have also disputed online at each respective credit reporting site. And still no response, nor removal as per court mandated. 

This is beyond frustrating. I am trying to buy a car so I can transport my son to and from school. 

Items to be Removed from Credit Companies : ( XXXX, Experian, XXXX ) : 1. XXXX XXXX 2. XXXX XXXX XXXX ( Collections ) 3. XXXXXXXX XXXX XXXX XXXX ) Please help! Can you contact the 3 credit reporting companies and request that these items be removed from my report, asap? Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the free trial for Experian Credit Works and while I had the free trial they notified me that I had a bank account take over that I was unable to view at all. Every time I would press on the notification to receive more information about it, it would just show an error message saying, basically, that I was unable to see the information about the notification they had on my account. I tried multiple times on different browsers on my computer, phone, and tablet and they all displayed the same error message. Now that my free trial is over, I still have no idea what the notification was about.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS HAS VIOLATED MY RIGHTS! THE OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX and I am a victim of Identity theft. There is inaccurate unknown fraudulant accounts and addresses on my credit report. I have reached out to these companies many times and XXXX was deleted and was added back on last week and i didnt receive any notice. It is the same exact account but they fraudulantly changed the dates. XXXX is has fraudulantly updated the last active date. These companies have violated my Hippa rights by notating on my credit report that these are medical accounts. These companies have mentally and physically affected my capability of finding a job due to these fraudulant unlawfal remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting accounts listed below : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, These accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my writen instuctions.

15 usc 1681 i ( 5 ) inaccurate credit reports directly impair the efficiency of the banking system
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

Im following up on a complaint against Integra Credit and XXXX XXXX XXXX  for practices that I believe violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

According to my agreement with Integra Credit, all disputes related to my account were to be resolved through arbitration. However, without my consent or any arbitration proceedings, Integra Credit sold my loan to a collection agency, XXXX XXXX XXXX. In their response they admitted they don't own the debt that it was owned by a collection agency. I believe this act constitutes a breach of contract and violates my rights as a consumer. 

When I became aware of this issue, I contacted Integra Credit and expressed my willingness to repay the debt directly to them. Despite my willingness to settle the debt, Integra Credit refused to recall the debt that I believe was sold illegally. 

Furthermore, in the course of this transaction, Integra Credit disclosed my personal information to XXXX XXXX XXXX without my consent. I believe this is a violation of FCRA Section 604 ( a ) ( 3 ) ( F ), which restricts the dissemination of consumer information without a legitimate business need. 

Following the acquisition of my loan, XXXX XXXX XXXX has engaged in harassment in an attempt to collect the alleged debt. They have called me multiple times during work hours and even contacted my workplace directly. They have also threatened to report the debt to credit reporting agencies if I didn't pay them. In order to avoid further harassment and potential harm to my credit report, I felt forced to pay XXXX XXXX XXXX. 

I believe these actions constitute violations of FDCPA Section 806 ( 5 ), which prohibits causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number ; FDCPA Section 805 ( a ) ( 1 ), which prohibits communication with a consumer in connection with the collection of any debt at the consumer 's place of employment ; and FDCPA Section 807 ( 5 ), which prohibits the threat to take any action that can not legally be taken or that is not intended to be taken. 

In light of these concerns, I request that the CFPB investigate these issues and take appropriate action to protect my rights as a consumer. I also ask that Integra Credit remove this account from my credit report immediately, as I believe it was wrongly sold and reported to the collection agency.