23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance : {$2600.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$4700.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
Product: Debt collection

placed a order online for new mobile service in XX/XX/2023, they ran a credit check was approved was going to make monthy payments on a new apple iphone and the calling plan i chose .Had to pay the tax on the total retail cost to get started .Never received the phone which was to be delivered by XXXX signature required for delivery, never saw XXXX or signed for .tracking number was given in which u can obtain proof of delivery, which is a pdf of the signature given when delivered, completely blank.after many many attempts to resolve debt was finally credits on our internet service that i have been a customer of for many years they have mobile service as well.credits for the sales tax paid and additional XXXX dollars for the inconvenience, since then received letter ccs services saying owed XXXX.sent written notice disputing debt got letter back saying debt valid and proof was included which shows a different amount XXXX total amount on a blank sheet that says XXXX XXXX at the top
Product: Money transfer, virtual currency, or money service

I met a person on an online app that told me I could be making money at first I did not believe it as I do not believe such things, but I gave in and surprisingly I was able to withdraw XXXX XXXX  mind I had to use my money, then things escalated as the application trust allows them to take my money once in there, there is a browser on the application trust that I used to go to XXXX they took XXXX XXXX and made me request money from my bank credit card that my bank easily allow as well totaling XXXX XXXX  and now when I finished the activity on which they state I would make XXXX XXXX  they are requesting from me XXXX fee to withdraw which I do not have and I lost all my saving and the money the bank lend me, I am in extremely exhausted I havent been able to find anyone to help me with this, I called the police and they did a report but nothing else, I reached out to the fbi and I was a little exaggerated with my words so they sent the police to my house and put me on a XXXX place because they thought I could hurt me or others and did not help me on my case where I really need help, I just really hope somebody can help me try to recover the money at least the one I borrow from my credit card to pay back or I will have a terrible credit destroyed and I was scammed. I hope you can please help me find a solution or try to. Thank you
Product: Checking or savings account

On XX/XX/XXXX I opened a checking account with Citibank with the advertisement that if requirements are met, I will receive 50k miles bonus to my XXXX XXXX account. Here is the ad : o First, open a new Checking Account between XX/XX/XXXX and XX/XX/XXXX ( Offer Period ). 
o Second, enroll in the Member XXXX XXXX More Checking Offer on the same day you open your new Checking Account pursuant to the instructions provided. 
o Third, complete Qualifying Purchases2 with your Citibank Debit or ATM Card corresponding to the Checking Account Package requirement in the Chart below within 60 days after the Eligible Checking Accounts Account Opening Date ; The maximum amount of bonus miles credited will be based on your Checking Account Package on the XXXX calendar day after the Account Opening Date and completion of the Required Activities ( see Chart below ). 
o Fourth, make 1 or more Qualifying Bill Payments3 for 2 consecutive calendar months within 60 days of the Checking Accounts Account Opening Date. 
o Fifth, to remain eligible, your Checking Account must remain open and in good standing from the time its opened until you receive your Bonus. 
Your AAdvantage Bonus miles will be credited to your AAdvantage account within XXXX calendar days from the date you complete all Required. 


On line # 4 you will see that it states complete 3 bill payments from this account.

During the 60day period, I paid multiple bills of mine through this checking account. On multiple occasions once the 60day period is done, I asked where the bonus miles were and they said I didnt qualify.

According to Citibank, I had to do set up the bill pay through their website or app. If you read line 4 there is nowhere does it say that it had to be set up through their website as this can be interpeted as just paying bills from this checking account. 

I have tried to work with them and have not been successful. I have explained that they can not not honor this promotion when it is their wording of the ad that is not clear.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am formally challenging the inaccurate information on my credit report. Under 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the release or reporting of my personal information to the companies listed below. This constitutes a violation of my privacy rights, as these companies have no legal right to report any information under my name. Additionally, my credit report contains unauthorized inquiries that I did not initiate, which appears to be a case of identity theft. As per 18 U.S.C. 8, I do not owe any debts to these companies, and I request the immediate removal of the disputed entries and inquiries to correct my credit report. Please address this issue promptly and confirm the removal of the incorrect items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax : ref XXXX letter of violation FCRA623 and FDCPA806 { b } which states that the creditor must enter a notice of dispute .if this is not entered the account can not report on the credit report, : you have been reporting with out listing dispute for last 6 months sense i started disputing this account { 1 } no dispute information { 2 } no last payment { 3 } showing a balance { 4 } No information on who claims they own account but reporting XXXX XXXX Who do not own account You equifax could not of investigated this account when asked because the information was wrong you are required to remove this at once NO 60 Investigation on your self for violation REMOVE AT ONCE FROM MY REPORT
Product: Mortgage

on XX/XX/XXXX, Trinity Financial Svcs LLC, a foreign company registered in XX/XX/XXXX, is acting as the Trustee for XXXX XXXX XXXX XXXX, a company that was taken over by XXXX. This was part of the XXXX XXXX XXXX award in XXXX. The DOJ XXXX XXXX and other banks. There was a 2nd mortgage that should have been extinguished through the modification process award from the judgment and settlement. 
XXXX XXXX XXXX  did not complete the process. They needed to release the lien through the modification that was approved on the first trust deed. The first and the second trust deed were from the same investor. It was a package deal to purchase the property. 
When the XXXX XXXX XXXX was award, the loss mitigation department from XXXX needed to correct and fix the mortgages if the consumer qualified. After applying, XXXX approved the modification as the property was approved to be included as part of the compensation awarded. When I got notified that everything was completed and I didn't need to worry on the 2nd because it was included in the Chapter 7 bankruptcy and it was settled, it didn't occurred to me to follow up on everything to make sure there was no mistakes on the modification. My Trust was in XXXX to get the job done. There was a special circumstances under the XXXX XXXX XXXX from XXXX to extinguish these 2nd mortgages. If the consumer filed a chapter 7 or chapter 13 Bankruptcy the lien was to be extinguished. It was a special program to assist the homeowner and fix the mortgages. When my modification was done, they said I didn't need to worry about anything and my mortgage was correct and fixed. Well it was not because it open the opportunity for a company like Trinity Financial to try and collect money they are not entitle too. They are trying to foreclosure on my property that was declared as a qualifying property under the XXXX XXXX XXXX. They are collecting on a debt that they are not entitle to do so. The Assignment of deeds might be a fraud document that was generated under false circumstances.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found several billing discrepancies. These late payments are inconsistent with my usual payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX  credit report on XX/XX/XXXX after the sale of my home on XX/XX/XXXX to ensure my mortgage company Specialized Loan Servicing ( SLS ) reported the loan payoff and final payment activity correctly. My credit report showed that SLS added a delinquent status in XX/XX/XXXX indicating a late payment of over 60 days old and a negative payment status of Legally Paid In Full for Less Than The Full Balance. These are both errors as I made all my mortgage payments to them on time and they received the full payoff for my loan after closing. I confirmed with my closing attorney XXXX XXXX XXXX that SLS received full payment. 

On XX/XX/XXXX I sent SLS a formal letter requesting they correct their errors on my credit report along with my XX/XX/XXXX credit report, closing disclosure from XXXX XXXX XXXX and a copy of my SLS billing statement. 

On XX/XX/XXXX I received a response from SLS stating that they would not correct their errors on my credit report. The correspondence included a summary of my mortgage activity from THEIR OWN SYSTEMS proving that I made all payments on time, that they had in fact received the full payoff amount and it was equal to the full balance owed. Despite this evidence they are refusing to update my credit report. 

I consulted my attorney and he recommended that I file a complaint with CFPB. Their error has dropped my credit score XXXX points and I really need your help working with them to get this corrected. 

Thank you for your time and consideration, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XXXX XXXX,2023, a representative from the Loan Company XXXX XXXX came to my workplace. She asked when I could begin making payments again I did advise her that I was currently struggling and I would try to catch up in the upcoming month. I do Acknowledge I am behind and I communicated to her when she came by and processed to call her Supervisor and she asked more questions about payment I repeated that I was trying to catch up. The agent who came to my work asked me to take her cellphone but I am in a public office that has camera 's and I did tell that I couldn't take her cellphone.
Product: Credit reporting or other personal consumer reports

I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Midland funding is by far the worst debt collection company I ever dealt with. 
They are rude nasty liars. 
they are trying to collect a debt that they can not prove that I owe. 
They harass me, called me out of my name and threatened to sue me, even pretended to be lawyers. 


The so call debt that they are lying stating I owe are as listed : XXXX XXXX  for {$640.00} XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX they have no proof that I open these accounts. no ID to show proof that I opened these accounts. 
I did not open these said accounts.
Product: Money transfer, virtual currency, or money service

OnXX/XX/XXXX, I made two online transfers from my Bank of America account to XXXX XXXX at mobile number XXXX, each for {$100.00}. She did not receive either transfer so I wrote her a check for {$200.00}. Later I determined that Bank of America had debited {$200.00} from my account for the two online transfers. After considerable hassle getting to the " right department '' I finally spoke with someone in the " move money '' department. They said they would research the transaction and if it was sent to the wrong account I would receive a credit and if it was sent to an account associated with the mobile number I provided Bank of America they would have the receiving bank reach out to the owner of the account to if the money was sent to them in error ( and then credit my account ).
No one got back with me. I called again XXXX XXXX and was told that Bank of America 's records showed both transfers were made to an account at " XXXX XXXX '' but when they contacted XXXX XXXX that bank had no record of the transaction. Bank of America told me they would do further research and get back with me. They did not. I did some internet research and did not find an " XXXX XXXX ''.
I called again on XX/XX/XXXX. I was told they had determined that they would not give me a credit, nor could they give me the name of the bank ( even though they had already told me the name onXX/XX/XXXX ) and could not give me the name of the account owner. I let them know I had already been informed that the receiving bank did n't have a record of the transaction. They said they would be able to send me the documents that they relied upon in making the transaction. They also said that a supervisor would call. They did not send any documents and a supervisor did not call.
I called again on XX/XX/XXXX and they still would not credit my account and the story this time was that there are no documents showing what account they made the transaction to. But even though they ca n't prove that the transaction was made, or to whom it was made, they will not make a credit.
My case number with Bank of America is XXXX.
Thank you for your assistance.
Product: Credit card or prepaid card

I received a sink that was damaged in shipping. I bought the sink on XXXX and used XXXX to pay for it. XXXX charged the purchase to my Jet Blue Barclays card. 
I returned the damaged sink to the seller and when XXXX did not refund my money I went to Barclays to stop payment. After several months, Barcays denied my claim. I sent them the tracking information about how the sink was returned and signed for, but Barclays has not reopened the case and refunded my money.
Product: Credit reporting or other personal consumer reports

Many accounts have been opened in my name due to identity theft
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I spoke with a Aldous & Associates LLC employer and requested a wet signature and original contract to verify account. Without doing so should result in deletion on credit profile. I see it still on credit profile and its been longer than 30 days since I spoke to representative
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; 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

I would like to have have the following accounts Deleted and Removed from my Credit Report and Credit File. I have never done business with these companies verbally or written there is no exchange of business or service between me and the following companies listed. They are in violation of my RIGHTS and the FCRA LAW. Account Name : XXXX. System Account # XXXX Balance {$1900.00}, Account Name : XXXX  Account # XXXX Balance {$140.00}, Account Name : XXXX XXXX XXXX Account # XXXX Balance {$940.00}, Account Name : XXXX XXXX  Account # XXXX. I have not given written consent to have these accounts on my credit report and would like for them to be DELETED from my credit file and credit report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information
Product: Checking or savings account

In early XXXX, around XXXX, my financial advisor at Merrill Lynch said that Bank of America had a special offer. If I had $ XXXX in holdings at my ML account, added a minimum of $ XXXX and opened a new BOA account, they would give me $ XXXX as a bonus offer if I held the money in there for 60 days. As of XX/XX/12 when the BOA account was opened, I had $ XXXX sitting in ML. I have repeatedly asked about the bonus offer to my ML advisor ( minimum 5 times ) and have not yet received a call. The last email I received my ML advisor said ..Unfortunately its too late to make any adjustment to the account. 
XXXX must be new assets 60 days suggesting the 60 day dateline was not met. Based on the evidence provided this is untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with credit reporting act XXXX XXXX account XXXX and Capital One account XXXX has violated my rights. 
15 USC 1681 section 602 states that I have the right to privacy.

15 USC1681 section 604 A SECTION 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end date for consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX BANK SS Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXXXX/XX/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$370.00} Account Name : XXXX XXXX XXXXXX/XX/XXXX IN Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$450.00} Account Name : XX/XX/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$6000.00} Account Name : XXXX & XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$560.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX XXXXXX/XX/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2200.00} EXPERIAN INQUIRIES : XX/XX/XXXX on XX/XX/XXXXXX/XX/XXXX on XX/XX/XXXXXX/XX/XXXX on XX/XX/XXXXXX/XX/XXXX on XX/XX/XXXXXX/XX/XXXX on XX/XX/XXXXXX/XX/XXXXon XX/XX/XXXX XX/XX/XXXXon XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX on XX/XX/XXXXXX/XX/XXXXon XX/XX/XXXX XX/XX/XXXX on XX/XX/XXXX XXXX INQUIRIES : XX/XX/XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXXon XX/XX/XXXXXX/XX/XXXX on XX/XX/XXXX XX/XX/XXXXXXXX on XX/XX/XXXX
Product: Credit card

I had a balance transfer from my XXXX XXXX  credit card towards paying off my Bank of America XXXX, but it was applied against my Visa  with Bank of America. This payment was for over {$10000.00} and my XXXX only has a balance of about {$90.00} while my XXXX has a balance of nearly {$12000.00}. 

I was told by two associates and a supervisor that my only options were either to refund my payment to XXXX XXXX  and to reprocess my balance transfer or they could move my payment from one card to the other, but it would take up to two billing cycles. 

The first option is not acceptable because a paid over {$500.00} as a balance transfer fee to process the balance transfer and would have to pay it again to get my funds processed to the correct account. 
The second option is absolutely insane, it should not take anywhere near two billing cycles. I bank with multiple banks and credit unions and ALL of the other ones have been able to move my payment from one of my accounts to another without issue. This is clearly an example of Bank of America trying to take advantage of their customers and pay more interest in the time it takes
them to move the payment. Anytime I have ever had a payment moved by another institution it was anywhere from instant to 2 business days.
Product: Debt collection

I had made a purchase totaling {$39.00} on a XXXX XXXX credit card on XX/XX/XXXX, half of which was delivered to me via mail at my address at the time. Prior to the purchase, I had changed my address with XXXX XXXX, online on their website, which clearly went through, as I began receiving catalogs, and my ordered merchandise, at that address. 
In XX/XX/XXXX, I received mail notification from Midland Credit Management ( MCM ) that I now owed {$310.00}, on the original unpaid {$39.00} purchase. The agency handling the billing for XXXX XXXX, XXXX, had been sending my statements to an old address from XXXX, despite my having changed the address with XXXX XXXX in XXXX. On XX/XX/XXXX, I called MCM to dispute the charges, and offered to immediately pay the original amount due, which I was told was unacceptable to them. I never received the billing statements, sent to my prior address, as my forwarding had run out 24 months before. Somehow between XXXX XXXX, XXXX, and selling my debt to MCM, my current address had been dropped. In the meantime, I had purchased thousands of dollars worth of home furnishings from XXXX XXXX, paid by XXXX, and was clearly good for the original purchase. I do not believe I should pay for their clerical errors or database merges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collection is fraudulent and needs to remove from my consumer credit report from all three agencies XXXX, XXXX and TRANSUNION
Product: Student loan

Ive paid off the loan as of XXXX XXXX. I paid this loan on a settlement price of $ XXXXto XXXX XXXX XXXX. Upon payment they informed me that XXXX/ascedium wasnt taking incoming calls at the time to resolve the issue in my credit report. XXXX XXXX XXXX  deleted my account with them as soon as I paid the settlement amount and the payment cleared. Im calling them to receive an XXXX  balance report they told me they couldnt because they deleted my account. I finally got ahold of XXXX/ascedium and they told me they would not email me a copy of my XXXX  balance I would have to wait for a letter in the mail which could take up to 45 days. I informed them I needed this to be resolved for a mortgage loan. I provided them all documentation that it was paid and cleared. They still have refused to remove it from the credit bureaus as paid in full and in good standing. I have all documentation proving it was paid and has cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, Please see attached - I was a victim of identity theft and fraud and need my credit report fixed as soon as possible.
Product: Credit reporting or other personal consumer reports

I was part of data breach I have never authorized anyone to place anything in my credit report they have my information all wrong they don't have the correct address for anything and they refuse to take it off my report that would be all of the credit agencies