23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

illogical finance charge : On My Chase Freedom Credit card i have gotten 0 % APR offer and i have used that offer ( XX/XX/XXXX BALANCE TRANSFER TO XXXX XXXX ). Later in the year XX/XX/XXXX i have used this card for other purchases also. So now i have XXXX type of balances a ). 0 % ARP ( balance transfer ) and b. ) Regular purchases 19.49 %. So i decided to payoff my balance of type ( b ) .My statement date is XXXX of every month. 
I paid my type ( b ) balance on XX/XX/XXXX which is two day before the statement date. So this payment did not clear any of my type ( b ) balance whereas it reduce my type ( a ) balance. 
I called Chase customer representative about this ( on XX/XX/XXXX ), i said that i was unclear about this logic how the payment applies if you pay before statement date and told them my intention was to clear the purchase balance ( type b ) .. and i have asked them if they can change the payment date to any date after statement data and provide the waiver for all the interest charges till date.and we decided chase will returne my payment and i will make the payment againt with new data. 
They refund my payment ( XX/XX/XXXX ) and i receive that payment on XX/XX/XXXX. and now i have made the payment again. 
Now Chase has charge me extra XXXX dollars as a interest because they have refund me my old payment that i made XX/XX/XXXX. 
But i dont agree with this XXXX dollars interest charge. Bank is saying this charge is for those XXXX payment that they have put back in my checking account. 
My point here is that : this payment of XXXX was sitting with chase bank from XX/XX/XXXX till XX/XX/XXXX. Why i should pay the interest.
Product: Debt collection

I had order 1 item from XXXX in XX/XX/2023 then received another package in XXXX And XXXX notified them to stop as I didn't order them Then in may received a bill for for {$270.00}. Sent statement back saying g never re eived anything. Sent statement in XXXX, XXXX, XXXX XX/XX/XXXX, received Statement of Collection from North Shore Agency for the {$270.00}. In XXXX tried calling XXXX was put on hold then never answered and hung up. The collection had an email for contacting them with questions. Sent 2 messages.in XXXX still have not heard from them. Did ask them t show me what was sent and proof that they sent to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX. US POST OFFICE XXXX POLICE DEPARTMENT XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report Unauthorized hard inquiries The following hard inquiries are a result of identity theft. These companies/ data furnishing companies do not have my permissible purpose to report on my behalf on my consumer report pursuant to 15 USC 1681 Per 15 USC 1681 Permissible Purposes, I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Per 15 USC 1681 Permissible Purposes XXXX I want this hard inquiry removed from my consumer report. The following inquiries must be removed from my consumer report I have Never given these companies permissible purposes in the form of written agreements, I have never verbally or nonverbally gave these companies permission to furnish these inquiries on my report these inquiries must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted an online dispute with Experian to remove a personal statement on my XXXX XXXX XXXX account. This option to dispute the statement was available via the online dispute on their website. Om XX/XX/XXXX the dispute was closed and my updated Experian and XXXX  credit reports showed the entire positive account had been deleted. This in turn lowered my credit score. After finally getting in touch with a live rep in the dispute dept, I was told I would have to call XXXX XXXX in order to have it put back on my report. This is unfair since it was completely Experian 's fault.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account DPT EDXXXX Account Number : XXXX 2. Validate Account XXXX XXXX Account Number : XXXX 3. You are in violation of 15 USC 1692g medical bill or personal information should not be on my report Account Number : XXXX 4. Identity Theft XXXX  XXXX  Account Number : XXXX 5. Validate Account DPT ED/XXXX Account Number : XXXX 6. Validate Account XXXX  XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX Account Name : XXXX OF XXXX Account # : **** Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX  XXXX Account # : XXXX Balance : {$3100.00} Date Opened XX/XX/XXXX Account Status : Closed Account Name : XXXX XXXX  Account # : XXXX Balance : {$4600.00} Date Opened XX/XX/XXXX Account Status : Open Account Name : CONSUMER ADJ Account # : XXXX Balance : {$930.00} Date Opened XX/XX/XXXX Account Status : Open Account Name : XXXX XXXX Account # : XXXX XXXX : {$310.00} Date Opened XX/XX/XXXX Account Status : Open Account Name : XXXX XXXX Account # : XXXX Balance : {$670.00} Date Opened XX/XX/XXXX Account Status : Open Account Name : XXXX Account # : XXXX Balance : {$930.00} Date Opened XX/XX/XXXX Account Status : Open XXXX  Account Name : XXXX OF XXXX Account # : **** Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX Account # : XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX  XXXX Account # : XXXX Balance : {$3100.00} Date Opened XX/XX/XXXX Account Status : Closed Account Name : XXXX XXXX  Account # : XXXX Balance : {$4600.00} Date Opened XX/XX/XXXX Account Status : Closed Account Name : XXXX XXXX  Account # : XXXX Balance : {$930.00} Date Opened XX/XX/XXXX Account Status : Closed Account Name : XXXX XXXX Account # : XXXX Balance : {$310.00} Date Opened XX/XX/XXXX Account XXXX : Closed Account Name : XXXX XXXX Account # : XXXX Balance : {$670.00} Date Opened XX/XX/XXXX Account Status : Closed XXXX Account Name : XXXX OF XXXX Account # : XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX  Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed Account Name : XXXX  XXXX Account # : XXXX Balance : {$3100.00} Date Opened XX/XX/XXXX Account Status : Closed Account Name : XXXX Account # : XXXX************** Balance : {$670.00} Date Opened XX/XX/XXXX Account Status : Open Account Name : CONSUMER ADJ Account # : XXXX Balance : {$4600.00} Date Opened XX/XX/XXXX Account Status : Closed Account Name : XXXX XXXX  Account # : XXXX Balance : {$930.00} Date Opened XX/XX/XXXX Account Status : Closed Account Name : XXXX XXXX Account # : XXXX Balance : {$310.00} Date Opened XX/XX/XXXX Account Status : Closed XXXX XXXX Creditor Name XXXX FCU XXXX XXXX Inquiry XX/XX/XXXX Credit Bureau XXXX Creditor Name XXXX  XXXX F Date of Inquiry XX/XX/XXXX Credit Bureau XXXX Creditor Name XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX Credit Bureau EXPERIAN XXXX Name CCR Date of Inquiry XX/XX/XXXX Credit Bureau XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request to validate a debt to the credit bureau and they didn't provide me with the correct validation that I asked for. Their response was insufficient and is reporting on my credit erroneously and affecting my livelihood
Product: Credit reporting or other personal consumer reports

I have been sending letters and calling all three bureaus for the past 10 months starting XX/XX/2023 to correct the following. I also informed them that my information had been compromised and I needed help. Even filing a police report and constantly sending letters did not help. When I called XXXX XXXX actually asked me to give them a heads up if I file a complaint with you. I bullied and trapped by this corporate machine please help! 
1. All of the Hard inquiries are not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Account # XXXX is not my account 3.Department of Education loans are paid in full and not reporting positively on my account even though the status is paid in full. On XXXX XXXX the balance has not been corrected and my student loans are reporting with a balance. 
XXXX. XXXX XXXX account number XXXX is not my account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NOT MY ACCOUNT I've been reporting fraud for almost a year and calling monthly the reps ignore me and Im at the point of tears because I reached out and pleaded in writing and via phone for assistance and none was granted! Please help
Product: Checking or savings account

Between XXXX XXXX there was over XXXX taken from my account. The bank decided against my favor and is reversing the credit. I was XXXX during this time and not in the same country as what the IP address was showing. The company was XXXX XXXX  and it was crypto. They submitted evidence and it looks like the attacker/hacker spoofed all of my information making it looks like me. The bank said theres nothing I can do and they are reversing it. This money is way too much and will put me negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent in documents to report inaccurate information on my credit report. I sent in all the same documents to all 3 bureaus. I have contacted Transunion multiple times over the last 4 months. Each time I have contacted them I receive a run around. They Have told me that they haven't received any documentation which is untrue because they removed one of the accounts that were inaccurately reported. And if they removed that account that means they received all of my documentation. When I spoke to a representative in XXXX they told me they had to open up an investigation which would take 5 business days. I contacted them a week and a half later and they told me they were still investigating. Towards the end of XXXX I received documentation in the mail stating they needed my social security card to verify me. I sent that in on XX/XX/XXXX. 
I contacted them yesterday and the representative told me that there was nothing they could do and they couldn't remove any inaccurate information off of my credit report.
Product: Debt collection

Spire Recovery Solutions LLC. illegally obtained my personal information and now they are stating that I owe a debt. Spire Recovery Solutions LLC. did receive written notification to validate this debt that they are accusing me of owing. Pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. Spire Recovery Solutions LLC. must comply with validation request. Spire Recovery Solutions LLC. threatened to report invalidated information that I have requested them to validate. I also requested Spire Recovery Solutions LLC. to send written documentation validating this debt however, they did not send the debt validation. Spire Recovery Solutions LLC. are not complying complying with Fair Debt Collection Practices Act,15 USC 1692g
Product: Mortgage

my mortgage holder people wanted me to give them illegal information on mt tenants rental application & rental agreement and I told them that I was not to jail for them because that is against the law and they called me and told they ca n't complete my modification with those XXXX items. so here we are.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I wrote and mailed Transunion asking that they investigate and remove the negative items that are on credit report. As a consumer I have rights and understand the laws that apply to me. Today marks XX/XX/2023 and as I have pulled my report once more nothing has been done about this matter. I am beyond furious with this company as they aren't complying with their own policies and procedures. The deadline was XX/XX/2023 to investigate my report and remove those items, however it has not been completed in the timely manner now I am demanding that each item I listed negative on my credit be removed immediately or my next step is go file an official complaint with the State Attorney General 's Office.
Product: Mortgage

My loan servicer, NewRez d/b/a Shellpoint, paid for Earthquake coverage from my escrow account in the amount of {$530.00}. They will not issue a stop payment on the check issued XXXX. XXXX 's acknowledges they have not received payment. Shellpoint acknowledges they made payment in error and the check has not cleared. My escrow account is short {$530.00} and will be reassessed erroneously for XXXX based on their incorrect payment.
Product: Credit card

I had to credit cards with Continental Finance : A Matrix MasterCard and a XXXX Mastercard. Last XXXX, I enrolled in a debt management plan with XXXX XXXX XXXX and both accounts were enrolled in a hardship program with the agreement to pay XXXX per card per month. Payments have been made consistently as agreed upon by the debt management plan proposal. However, Continental Finance is currently showing both of my accounts as " Charged of as Bad Debt, Profit and Loss Writeoff ''. In addition, they showed me as 30/60/90 days past due for the last several months. Both I and XXXX XXXX XXXX have been attempting to get a satisfactory resolution to this matter for over a month now. Last week, XXXX XXXX XXXX had been told that I had been " exited '' from the hardship program and that they would need to submit new proposals. However, today I received a letter from Continental Finance indicating that " Our records indicate that your account is currently enrolled into the hardship program. '' In short, despite being told I had been exited the program and despite the fact that timely payments have been made for the last 5-6 months, Continental Finance has incorrectly reported the status of my XXXX accounts which has caused a significant drop in my XXXX score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please disregard last request and I was wondering if I could get a generous REMOVAL of these hard inquiries and account in collections please? 

1collection Total balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions
Product: Credit reporting

I originally requested that my entire credit history be reported because certain items were removed that were causing my credit score to drop. Their response to my original complaint was totally noncommittal but when I received my credit report with score it showed that XXXX of the XXXX key factors that affected my credit score were that the age of accounts in my credit file were insufficient and that i had no account history of mortgages ( see attached ) However when I went to Equifax to make a dispute The first XXXX accounts that showed up were for a mortgage and a home equity line both of which were paid in full in 2008 and therefore do not meet the 10 year guideline that the other XXXX credit reporting agencies are hiding behind and in fact equifax states that the law requires them to remove derogatory credit but not beneficial credit after 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act The list 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 section2 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. The continued presence of these fraudulent items reflects poorly on your company 's commitment to customer satisfaction. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. Failure to resolve this matter promptly will compel me to escalate my concerns to relevant regulatory authorities and explore alternative recourse to protect my rights as a consumer. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, XXXX XXXX XXXX  Opened XXXX XXXX, XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Product: Debt collection

OnXX/XX/XXXX @ XXXX XXXX and XX/XX/XXXX @ XXXX XXXX This company called XXXX XXXX called me to tell me I own XXXX  XXXX XXXX XXXX money back in XX/XX/XXXX. They told me they were a collections company and said that they needed me to resolve this matter today or else. 
I ask for there name and they said it was XXXX XXXX ( it did n't sound legit ). I them ask for there business license # for that it was placed on supposedly on hold. This gal came on the phone yelling and telling me that I was going to have to pay, and they did n't want to give there business license to me. I had to look it up myself! 
That became a screaming match. I informed her that this was already resolved and I had proof of it! I told her to give me her fax # so I could send her the proof to which she said that I had to send it e-mail to her. No way was she going to get my email address so if she did n't want to give me the fax # that was not my problem. 
Here is the phone number that I blocked ( XXXX ) XXXX I hope you get these scammers! 
Thank you for checking this out. 
Respectfully XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several different telephone numbers to call them and ALL have failed to connect me or tell me how to proceed. Their web site is " not available '' when I try to connect.