23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On or about XXXX XXXX I have been sending Letters to XXXX and XXXX with respects to reporting my Bloomingdale 's account 60 days late, when in fact it was not. Each response I received was that it was " previously verified ''. 
I also made contact with Bloomingdale 's in XXXX XXXX, and spoke with a customer service representative requesting that they investigate this information and to date this matter has not been resolved. 
Bloomingdales and XXXX are reporting my account 60 days late when in fact it was not. Each letter sent is being responded as " verified '' I made numerous calls and attempting to clarify this and they have not made any resolution. I have explained to the customer service representative how can I be " current '' in XXXX and " XXXX '' days late in XXXX XXXX. In addition, on or about XXXX XXXX, XXXX I spoke to a representative by the name of XXXX which informed me that they will issue me a credit for {$1100.00} for billing me for a credit protection program I never signed up for. I was further instructed that I do not need to make my monthly minimum payment of {$110.00} since I was being issued a credit for the above amount. On XXXX XXXX, XXXX, I received an alert from my creditreport.com stating that I was late 30 days with Bloomingdale. 
I immediately contacted Bloomingdales and explained to them what I was instructed and have I know I would have been marked " 30 days '' late I would have made my payment. XXXX XXXX XXXX advised me that I need to pay {$110.00} and then they will issue me a credit for {$18.00} when I got charged {$35.00} late fees. I was also instructed that I would need to pay the full balance due of {$170.00} in order for Bloomingdale 's to remove the item from my file. I explained to the representative that what they are doing was forcing me to pay for a balance that is not due. My XXXX bill is due XXXX XXXX, XXXX. 
Bloomingdale 'sXXXX and XXXX is defaming my character and adding incorrect information on my credit file when in fact it is not accurate. I have been a customer since XXXX XXXX and have always made my payments timely. This adverse information on my credit file is not showing any potential lender my ability to make payments timely. Bloomingdale 's is merely abusing their authority by placing invalidated information on my file. 
Bloomingdale 'sXXXX and XXXX, act by reporting inaccurate information to my file constitutes fraud under both Federal and State Laws. Due to this fact, Bloomingdale 's, XXXX and XXXX has violated the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act and have Defamed my character. Simply matching numbers in a database is not sufficient in validating a person 's account. In addition each inquiry to validate a complaint should be treated as a new complaint not only to indicate to a consumer that the matter was " previously verified ''. I am requesting that these negative items be removed from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc XXXX XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXXXXXX XXXX XXXXXXXX. Cc : Federal Trade Commission. Cc : State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

the attached documents shows that these accounts were charged with without my authorization
Product: Credit reporting or other personal consumer reports

XXXX transferred these loans to XXXX in XXXX & information from XXXX isted below shows XXXX  balance. Experian  Credit Bureau still shows balances on these loans as well the same loans that were transferred to XXXX ( Double loans ) Loan XXXX XXXX XXXXs Transferred N/A {$0.00} {$15000.00} 7.90 % ( FIXED ) XX/XX/XXXX Loan XXXX XXXX XXXX Transferred N/A {$0.00} {$20000.00} 6.41 % ( FIXED ) XX/XX/XXXX Loan XXXX XXXX XXXX Transferred N/A {$0.00} {$21000.00} 7.21 % ( FIXED ) XX/XX/XXXX
Product: Mortgage

Ditech sold my loan # XXXX, to XXXX Mortgage, and did not give me notice of the Sale. They deposited my monthly payments and did not forward them to XXXX Mortgage. They have {$5300.00} of my Money, and my credit score has been ruined. Ditech sent me a check for {$1700.00}, one months payment, but no response on the balance of my money. XXXX Mortgage never contacted me and gave notice that they purchased the Loan, prior to sending a negative credit report to the Credit Agencies. XXXX has subsequently sent a letter to the Credit Agencies, but Ditech has failed to accept any responsibility, and sent a letter notifying me of the Sale and my {$1700.00}. I can not keep my Loan current if they do not release the balance of my money which they have misappropriated, which could further ruin my credit and cause me to lose my home. They gave me a supervisors name whom i have left XXXX messages with, and she has not returned my call.
Product: Debt collection

I don't know anything about this debt from security credit service.the location is XXXX XXXX did not receive any money from this company and I did not sign any contract.i want this removed from my credit report.thank you.
Product: Mortgage

I had a VA Mortgage with Wells Fargo. I paid off my mortgage on XX/XX/XXXX. I informed Wells Fargo numerous times, on numerous phone calls, with numerous Wells Fargo Representatives ( to include Supervisors and the Executive Team ) that I want my Escrow Funds to be wired to my XXXX checking account. I was informed by Wells Fargo that, every call with Wells Fargo Representatives were recorded ( so they have proof of every conversation that took place ). I also have three cases with the Executive Team that have yet to be resolved as well. 

Wells Fargo has yet to refund me the {$500.00} that is in my closed Wells Fargo Mortgage Escrow account since the payoff on XX/XX/XXXX. It has been 37 days since they received my payoff via a wire transfer. 

Today is XX/XX/XXXX and they have violated the Real Estate Settlement Procedures Act of XXXX ( RESPA ). Specifically they are in violation of sections 12 CFR 1024.17 ( f ) and 12 CFR 1024.35 ( b ).
Product: Vehicle loan or lease

The company Exeter Finance stated they charged off my account and sold it to XXXX management but I never received the 1099C to claim on my taxes since they wrote the debt off.
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 166B : A creditor may not treat a payment on a credit card or car loan account under an open end consumer credit plan as late for no purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The two times I borrowed money from the institution XXXX XXXX XXXX, I happen to look at my credit report and its says on there that Ive been 30 days and 60 days late with XXXX XXXX XXXX when I havent been late even one time. 

Late 30 days on XX/XX/XXXX Late 30 days on XX/XX/XXXX Late 60 days on XX/XX/XXXX Late 30 days on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me XXXX XXXX I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a mortgage in XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX  they report me on the credit report at XX/XX/XXXX. in XXXX another company report me to the credit report that called XXXX XXXX XXXX XXXX. now the situation I have on my credit report two mortgage loans two companies claim my loan. - what I did? 1- I called XXXX XXXX XXXX  they inform me that they will sold the loan to XXXX XXXX XXXX XXXX. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 2- I called XXXX XXXX XXXX XXXX. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. - current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down XXXX point. 3- I can't take any loan because of the big decrease in my credit score.
Product: Mortgage

On XXXX XXXX I received a notice of mortgagee 's sale of real estate from Aspen Properties Group , LLC via the law firm XXXX XXXX XXXX. The mortgagee 's notice of foreclosure sale is for my property at XXXX XXXX XXXX XXXX, XXXX MA XXXX. The loan was a home equity line of credit that was cancelled by the original bank in XXXX. The HELOC had a maximum draw of {$170000.00} and I never withdraw that amount nevertheless Aspen Properties Group is foreclosing on my property for the entire amount of {$170000.00}. I have reached out to Aspen to prove the correct amount that was withdrawn from the HELOC but to no avail. Aspen has schedule XXXX XXXX as the sales date. This is also a time-barred account per XXXX XXXXXXXX XXXX. Per their payment statement the loan is 4101 days delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with the credit bureau company Transunion. I have disputed inquiries that should not be on my bureau with no response from them. The inquiry dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have not obtained or tried to obtain any credit with lender or creditors. I have not signed anything to obtain any credit. These inquiries should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three CRA 's have yet to fic the issue of a BK on my credit report that to this day affects my family getting the chance they deseve. Going back 5 years now XXXX, Experian and XXXX  continue to report a discharged XXXX  balance BK that was never proven with court records. I have never been to court, paid a dime or discharged or have any debt forgiven in such a manner. I never attended a settlement conference, never appeared in federal court on the matter and yet here we are. The CRA 's simply check with XXXX XXXX electronically and on we go with the nightmere.
Product: Checking or savings account

I play the online casino games, I recently won {$9700.00}. They sent me a check drawn on XXXX XXXX XXXX. I deposited into citizens bank and teller said it will be available the next day, I checked my account ant it was available, I played {$200.00} worth of casino games, then citizens bank took the {$9500.00} back and put it on hold. They keep giving me dates to be released, and still my money is on hold.. they charged me for using the {$200.00} that was mines, and put the rest on hold.. can they do that?
Product: Debt collection

I have never heard from or of this company and do not owe {$740.00}.
Product: Credit reporting or other personal consumer reports

Back In 2020, During the pandemic I called into Capital one Auto finance to make my very last Car Payment. But because of the pandemic the customer service rep. that was assisting me at the time stated that I didn't have to make the payment because of the Covid 19 relief that Capital One was extending to all of there customers. But since that date Capital One Auto Finance has been dinging my Credit Report Ever since. 46 Months of Charge Offs being reported on my account, for 4 years. this not only obsessive but abusive behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many mistakes in my report : Unauthorized inquiries & Wrong status in open account
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got a alert over the Holidays that I had new inquiries and account on my report. I have been in the middle of building my credit and letting it age so I knew I have no appd for or Got any new accounts. I have disputed these and I have shown proof of my complaints and ftc report and still nothing been done I have know my rights and know that this is agasint my rights to report false information and these inquiries and account need to be deleted now XXXX and XXXX and XXXX XXXX  and XXXX inquiries and a XXXX account was added and these are not authorized by me and need deleted now before i go to the attorney general to file another complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

EdFinancial is reporting late payments of over 90 days for XX/XX/XXXX, as well as the months of XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. During that time, I was told my loan was in deferment due to unemployment. I was told that although I would be responsible for the debt, I was not required to make payments at that time. I did however pay what I could pay, whenever I could pay it. I recently received a copy of my credit report and found all the months are reporting as over 90 days late. 
I contacted EdFinancial via letter and requested the incorrect information be removed from my credit report as it is incorrect and is a violation of my rights under the Fair Credit Reporting Act. I received a generic response that the information was reported accurately and absolutely no investigation was completed as to why these late payments are being reported. 
Also, I am in process of loan discharge due to false certification, however, the school that I attended has been closed down and I am finding it difficult to obtain copies of transcripts.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. These information is injuring my consumer report and I request that you correct these information immediately. 
I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing are as follows : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Student loan

I refinanced my student loans from Wells Fargo to XXXX. I was monitoring my WF account to make sure the payoff amount went through and my loan balance was XXXX. When I checked my account on XX/XX/XXXX, all of my student loan information was gone. This included all statements, 1098 's, and payment information. 

I called the technical support and I was told that all of my information was removed because the loan balance was XXXX. When I told them I had not been notified, they said they would send me my last statement. I told them that I wanted all of my loan documentation and they escalated my account to an analyst to review my request. 

My complaint is that I was not notified of these statement and tax document removals and that a consumer should not have to be escalated to the highest complaint team to receive their records. Additionally, consumers should be alerted to loan payoff 's. I have yet to receive my records.
Product: Credit reporting or other personal consumer reports

I do not recognize the following findings XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont recognize the accounts in question. o The report shows I owed money to the company that I have already repaid. [ XXXX  loans were being reported as late and it was not listed on my credit file so how can they report on me ] o The status of my account is not correct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act this creditor has violated rights under 15USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This also states a balance of {$120.00} with a past due balance of {$97.00}. This is inaccurate and needs to be REMOVED. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY XXXX XXXX XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX 281 SW 715,719, I presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists. Also this account is listed as a collection that is OPEN. This is inaccurate reporting. Also balance is listed as a Charge Off. The IRS Defines a charge off as gross or ordinary income. Income does not get reported on a consumer report. No 1099c was given therefore this is inaccurate reporting. 
REMOVE ACCOUNT FROM CREDIT REPORT IMMEDIATELY FOR INACCURACY
Product: Credit card or prepaid card

I've already spent 3 months working directly with American Express to attempt to resolve this issue, and they continue to deny responsibility. 

AmEx offers bonus miles / points when you refer a friend to one of their credit card products, and the referee is approved for that credit card. I made ( 5 ) referrals dated starting in mid XXXX during a promotional period where the referer ( me ) would earn XXXX miles per referral. Instead, American Express awarded me XXXX for 4 out of the 5 referrals ( These miles were received in my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2019 ). 1 of 5 referrals did, indeed, earn the XXXX bonus miles ( these miles were awarded to me on XX/XX/2019 ). 

I've provided them all the necessary data to show that I was eligible for the additional points, and they continue to deny. I screenshot the offer and submitted that at their request, too. Still, they deny.
Product: Credit reporting or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXXXXXX XXXX ACCT. # : XXXX In accordance with the Fair Credit Reporting Act, the following businesses and referenced accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX XXXX 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 have all violated my rights. 

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

They have all violated my 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.

I have not given them any written instruction to furnish anything on my consumer report.
Product: Money transfer, virtual currency, or money service

I was scammed on out of XXXX, I sent a merchandiser money for a product that I never got. Before I XXXX XXXX the money I called Wells Fargo and asked them if I do not have my stuff will they refund my money the rep said yes. I put in a claim today and they denied the claim because the transaction was with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC # XXXX Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. The email you sent me shows nothing I asked for see attached. 15 USC 1681 I 1A,15 USC 1681 ( 602 ) ( a ) ,15 USC 1681 ( 604 ) ( A ), 15 USC 1666B, 18 USC 894
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : AMEX XXXX, AMEX XXXX
Product: Credit reporting or other personal consumer reports

A bunch of inquiries were made without my consent and additionally money was stolen out of my account from my banking account. All of these inquiries were made on the same day and that weekend money was taken out of my account on a holiday weekend. The bank reimbursed me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>