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

I was XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I wrote American express serve and advised them that a man picked my property up at the jail and did not bring it to the person he said he would, instead he took my banking card and withdrew XXXX. Upon my release I filed a claim and it has been denied. Even after asking them to shut the card off. Im out the XXXX bucks
Product: Credit reporting or other personal consumer reports

They have not provided detailed explanations for why these accounts were marked as Late and Derogatory. I am extremely dissatisfied with the outcome of their investigation and validation. I am unsure of the methods and processes they used to arrive at these inaccurate results. How is it possible that I received a XXXX late mark when there are no records of XXXX days past due? It seems to have jumped straight to 90 days. 

Furthermore, these issues occurred during the pandemic when systems were frequently down, and there were limited options for making payment transactions. Despite the challenges I've faced, I have diligently kept everything up to date and fully paid. It is unjust and unacceptable that they refuse to correct and update their records despite my numerous letters requesting them to rectify these errors. 

Hear me out, and help me update these to current or just delete these errors on my credit report. 
XXXX. XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX / XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX / XXXX Account # : XXXX XXXX. XXXX XXXX XXXX / XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXX / XXXX Account # : XXXX XXXX. XXXX OF XXXX / XXXX Account # : XXXX XXXX. XXXX OF XXXX / XXXX Account # : XXXX XXXX. XXXXXXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I originally had a loan thru XXXX XXXX, It was transferred to Loanme recently. I was not aware, there was no transfer letter send. a totally violation. then I took the imitative to do the right thing. called to make a payment, spoke to XXXX who took my payment.. the calls are recorded or monitored. my payment is XXXX so I gave authorization. that took place on the XXXX of XXXX. so on the XXXX of XXXX I checked my account and found out XXXX was deducted from my account without my approval.. I called back on the XXXX. and XXXX gave me attitude and told me there was a late fee added. keep in mind a late fee was added because I was not aware the loan was transferred. he told me he forgot. this is clearly a violation. if I was told that XXXX was going to be charged and that's what i authorized, Loanme took it upon themselves to add additional fees without my consent.. clearly this is a voilation. Loanme as i understand it was banned from issuing loans in california. as of today nobody called me. I am requesting a full investigation into loan me to stop the unfair practice. Please request the conversation that is recorded and verify what I am saying. Loanme is the biggest scam artist in california. Please stop them from doing this to others. thank you... 
my Loan ID is # XXXX.
Product: Debt collection

This debt is not valid. The information is inaccurate. They are trying to charge me for things that did not even exist. They said I owe XXXX but in cost to repair it says XXXX dollars. Then when I ask for explanation of charges they send me a maintenance price list in which half of the items are not even on the move out sheet. This has cost my family to be homeless among many other things.
Product: Credit reporting or other personal consumer reports

Requested XXXX XXXX to opt out from reporting to credit bureaus Per the FCRA as a federally protected consumer. 16 CFR 313.10 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, AZ XXXX Attached Opt out notice below
Product: Credit card

I ordered king crab legs from a XXXX add XX/XX/XXXX or XXXX 2023 for {$74.00} for a party. The add said they come from XXXX. It was free 2 day shipping in dry ice. I never received crab legs. Website that was in XXXX ad no longer exists. When I tried to go to website afterwards it kept re directing me to a website that sells clothing and accessories! After repeated attempts to get information from American Express I decided to file this complaint. I have reached out to XXXX  multiple times letting them know I did not receive what I ordered they said when they reached out to the company that the company said they sent me something and the date they said it was delivered. I explained the only thing I have received in mail was a cheap pair of earbuds ( I did not order ) but it was not from company charging me. I asked what the company said that they sent me, XXXX would not tell me I asked for copy of response from company XXXX representative said she would email it to me she did not, instead she sent an email letting me know how to file fraud charge. Which I had already done. They closed the case I filed another complaint then I called and said it would not let me send finish filing the fraud charge complaint because it was for same reason as before and that one had been closed because the company said they sent me something. So she took information over phone and kept saying well its been several months since the charge! I said I know and I filed a fraud claim immediately when what I ordered was not received when promised, so she filed fraud charge again then they closed both because they said I started one on internet that was open ( I could not complete ) and then called and submitted again so they couldnt have XXXX open at once for XXXX complaint. So they closed BOTH! I call again guy says company making charge said you received something, this time he gave me a tracking number and shipping company. So I went online typed in tracking # it showed nothing I emailed shipping company asking them to send me information on the tracking # they never responded. This has been going on for months now. The simple fact is I ordered consumable crab legs that was supposed to arrive in 2 days they never arrived. The company making charge says I received something but no one knows what it was or has proof that it is I ordered. I have repeatedly requested the information from American Express which they never provided.
Product: Credit card

Throughout my dealings with this account, I've consistently made sure payments are prompt, never allowing them to lapse into overdue status. The reports of late payment remarks on my accounts leave me uncertain. Under 15 USC 1666b - Billing Error, correction is warranted.
Product: Debt collection

I have contacted XXXX numerous of times to resolve this problem and have not been successful.
Product: Debt collection

Midland Funding LLC Doing Business in XXXX  as Midland Funding XXXX  LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Judgement Amount {$1900.00} Interest 5.00 % per annum {$350.00} Court Costs {$400.00} Total Probable Amount Due {$2700.00} This was issued to my old address in which I have not lived in XXXX  since XXXX. 
On XX/XX/XXXX, they sent a letter to my old XXXX  house, and I was not living there, but someone accepted is what Midland is saying and, on those grounds, they got the judgement against me and on XX/XX/XXXX, won the court order to garnish my wages. 

Since I did not respond the judge granted false claims for Midland to seeks a judgement, I was unaware of. They are set to garnish my wages 25 % starting this week. Is it too late since I did not receive the actual court date?
Product: Credit reporting, credit repair services, or other personal consumer reports

The company refuses to remove late and the account is 7 years old. I would REQUEST REMOVAL OF THIS ACCOUNT FROM MY REPORT. 

Overview You've paid off 100 % of your student loan amount. 

Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 9 mos ) Term 120 months Payment History Youve made 33 % of payments for this account on time. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX 2013
Product: Checking or savings account

On XX/XX/XXXX, I sent a wire to XXXX XXXX in XXXX TX who did not honor our agreement despite multiple attempts to fix the issue. 

Therefore, in XXXX, I disputed the item with JP Morgan Chase. They issued a temporary credit and I thought that was the end of it because I doubted XXXX would rectify it through them either. 

However, Chase is now refusing to honor the chargeback because despite using a debit card, I had wired the money. Their ridiculous claim is that since XXXX XXXX processed the money, it was against them and that it was verified. I specifically advised that the money was a payment for a service not rendered. They don't care about that. I would appreciate someone remind the bank that it is a chargeback for services not rendered and therefore, my chargeback should not be reversed and that they should fight with XXXX XXXX where XXXX has his fraudulent assets.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts on my credit report that contain misleading information and appear to be reported inaccurately, specifically these accounts are not in compliance with the requirements set by the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

So Ive explained my financial situation multiple times. Its an issue Id like to resolve as soon as possible, but wont be able to resolve until XXXX. Ive explained this multiple times, they say theyre making a note of it, but the last time they said, You understand we have the right to keep calling you, right? 

Im all for resolving issues and rebuilding my credit, but it feels like theyre not listening to what Im saying and think that pestering me will make me come up with the money sooner, which it wont.

It feels like everything I said goes in one ear and out the other and the next person calls and the whole process starts over. 

Its annoying, intrusive and unwanted.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$390.00} XXXX  XXXX XXXX XXXX Balance XXXX {$14000.00XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$960.00} XXXX XXXX XXXX Balance : {$930.00}
Product: Debt collection

I have told this company repeatedly that I will make payments on my own as I can to get caught up and they repeatedly contact me to try to get me to settle and use harassing language and threaten to take legal actions.
Product: Credit reporting or other personal consumer reports

My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Please delete the following unknown address they are not accurate : 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 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 XXXXXXXX I am requesting them adresses to be reomved I never lived at the above addresses.
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Inaccurate Accounts on My Credit Report I am writing to formally file a complaint regarding inaccurate accounts that have been reported to credit bureaus under my name. After a thorough review of my credit report, I have identified multiple accounts attributed to the Department of Education that are not mine. 

Details of the Inaccurate Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Inaccurate Accounts on My Credit Report Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally file a complaint regarding inaccurate accounts that have been reported to credit bureaus under my name. After a thorough review of my credit report, I have identified multiple accounts attributed to the XXXX XXXX XXXX that are not mine. 

Details of the Inaccurate Accounts : Account Number : Reported balance {$1500.00} Actual payment amount Date of last payment XX/XX/2023 Account Number : XXXX XXXX XXXX XXXX Reported balance {$850.00} Account Number : XXXX XXXX XXXX XXXX Reported balance {$6700.00} XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XXXX Reported balance {$3700.00} XX/XX/2023 I strongly believe that I am a victim of identity theft, as I have not opened or authorized these accounts. The presence of these inaccurate entries is causing severe distress and negatively impacting my creditworthiness. 

Steps I Have Taken So Far : I have filed a police report with Identity Theft.gov to report the identity theft. 
I have contacted XXXX, the loan servicer associated with these accounts, to dispute their legitimacy. 
Despite these actions, the inaccurate information persists on my credit report, affecting my ability to secure credit, loans, and other financial services. 

I kindly request the XXXX XXXX XXXX XXXX XXXX XXXX to : Conduct a thorough investigation into the accounts listed above. 
Provide me with a detailed explanation of the origin and legitimacy of these accounts. 
Take immediate corrective action to remove these inaccuracies from my credit report. 
Provide written confirmation once the corrective actions have been taken. 
I understand the seriousness of identity theft, and I am taking all necessary steps to rectify the situation. Your prompt attention to this matter is crucial in restoring the accuracy of my credit report and alleviating the undue stress caused by these inaccuracies. 

I appreciate your cooperation in resolving this matter and expect a timely and satisfactory resolution. If there are any additional forms or documentation required from my end, please do not hesitate to inform me. 

Thank you for your immediate attention to this pressing matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this never late for XX/XX/17
Product: Student loan

I am trying to get a complete payment history, which the lender promised orally and in writing. I made payments in XXXX XXXX XXXX  and XXXX XXXX  and I need proof of payment for the XXXX XXXXXXXX XXXX XXXX XXXX. Myfedloan promised a complete payment history in XX/XX/XXXX orally and in writing. They have since refused to comply. They only provided XXXX. At the bottom of the letter ( highlighted in the attached XXXX  ) Myfedloan stated : " You still have details to review! We weren't able to fit the financial activity for all of your loans on one letter. Don't worry! You should see another letter from us that includes the remaining financial activity history. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding Experians failure to properly investigate and verify a debt account associated with my credit report. Despite my efforts to dispute and clarify the information related to this account, I believe the investigation process was incomplete and did not meet the requirements outlined under the Fair Credit Reporting Act ( FCRA ). 

I submitted a dispute to Experian regarding XXXX XXXX XXXX in XXXX XXXX However, I did not receive a thorough investigation or adequate feedback explaining the steps taken to resolve the matter. It seems that my dispute was not fully reviewed or verified by the appropriate parties involved.
Product: Credit card or prepaid card

I have 3 credit cards from different companies -- Citi, XXXX XXXX, and XXXX for XXXX. What I am noticing is that it is difficult to readily locate your credit limit when you view your account information on line. This is important to understanding and managing your total spending. What I am able to readily see, is the outstanding balance and the available credit. As you know, the outstanding balance does not take into consideration, pending charges. So, in order to get your true spending, you need to take your credit limit and subtract the available credit. I think this is very important and necessary to budget and managing your credit card spending, especially if the company raises your credit limit. In order to find your credit limit, you have to open up the last statement. Hopefully, between the time you pull the statement and when it was printed, there wasn't any change to your credit limit. I think credit card companies implemented this approach to make it difficult for the consumer to manage and budget their credit card spending, leading to increased spending. I see this a strategic tactic to get you over spend.
Product: Debt collection

Dear XXXX I am responding about a debt you are trying to collect in the amount of {$150.00} that appeared on my credit report which has grossly lowered my credit score. This debt is parking or re-aging, I have made a complaint about this debt already with ID # XXXX and debt was paid on XX/XX/2018 to the original creditor XXXX XXXX in the amount of {$150.00}. please removed this debt from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the items in my file that resulted from an incorrect credit report information but I still have items left that needed to be removed. This is my new letter that I am a victim of mistaken credit reporting and I write to dispute these inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from an inaccurate credit reporting : 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 . Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information not 100 % correct such as address, amount owed, type of account. Certified letters sent multiple times to address situation.
Product: Mortgage

My Freedom Mortgage ( XXXX ) loan has an escrow account to pay for home insurance. My policy expired in XX/XX/XXXX, and I was notified that no payment was made to renew the policy. I called Freedom Mortgage at that time and gave them the payment and account information for XXXX in a recorded phone conversation. 

XX/XX/XXXX, I was surprised to learn that my XXXX policy had lapsed for non payment, but could be reinstated. I coordinated a 3 way phone conversation with Freedom and XXXX from which Freedom acknowledged they would pay to reinstate the policy. This conversation is on record, and can be verified, as one of Freedom 's agents did for me. 

At the end of XXXX, I learned that my XXXX policy was never paid or acted upon after the XX/XX/XXXX call, and Instead I was placed on expensive Lender Forced insurance because they claim, XXXX notified them that I had canceled my policy. This is untrue. I am asking Freedom to reimburse my escrow account the Lender Forced insurance fees but they refuse and do not produce the document to back their false claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. Amount : {$38000.00}. XX/XX/2022. The information they are reporting on my credit report is inaccurate. I reached out to the company and requested a copy of the contract and any consent forms with my signature but to no avail. 


In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 an account without my written instructions. 

15 U.S.C 1692 Section 805 ( a ) States a debt collector may not communicate

with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S.C 1692 Section 805 ( a ) Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 U.S.C 1692 ( g ) section 809 states a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector. 15 U.S.C 1681 ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C 1666 ( b ) states billing error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I found out that Bank of America incorrectly used my Social Security Number and it has caused XXXX for me. This made me not be able to out an account at the time. It took over 2 months to resolve, they sent me a letter and said its 100 % resolved. I've never had an account with them and never will. 

Most recently I went to apply for credit and they state that the problem is still there and will not close it until its remove. Bank of America will not respond after XXXX complaints. I also called bank of America directly and they wont help me because I dont have an account. Obviously I dont but I still need help. On top of all this I filed a complaint on their site with no response. Personally I just need help to take action against this company. It's absolutely ridiculous that it takes contacting your agency for this poor institution to do anything. I really need help otherwise I can not close my loan.