23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

- On Saturday XXXX/XXXX/XXXX My husband got a call on his cell phone. A " courier '' called from a private # and told him that an attorney firm has been trying to serve him twice at our current address & a previous address. He told my husband to call ( XXXX ) XXXX, gave him a case # : XXXX and said to ask for XXXX XXXX . Since it was n't a good time, my husband did not call. The courier called another 2 times. I picked up the phone the 3rd time. He asked me if I was his spouse. I said I was his spouse. He said that I was able to call since I was his legal spouse and that the call was extremely urgent. I asked him if he was forcing us to call. He said " No '', but XXXX XXXX was waiting for My husband or his spouse ( me ). I called ( XXXX ) XXXX five days later on XXXX/XXXX/XXXX, gave my case # XXXX and they put me through to XXXX XXXX prior to speaking with XXXX XXXX the receptionist told me he was a collections agent in the litigation dept ). - XXXX XXXX told me that he is an attorney and this call was regarding a Bank of America credit card opened in XX/XX/XXXX, closed in XX/XX/XXXX & the Statute of limitations is XXXX/XXXX/XXXX. The card was in my husbands name and the balance is {$9700.00}. He also told me I had XXXX day to pay this amount and since I am XXXX 's spouse and we live in the State of XXXX, I am equally responsible. Now, my husband never had a Bank of America credit card in XX/XX/XXXX under his name. I, however, had one but the card numbers XXXX gave me did not match at all. I told XXXX the state of XXXX does not make a spouse pay for a credit card that belongs to his or her spouse and we were not married in XX/XX/XXXX. He yelled at me and told me to Google it. ( It 's just not true, I know that for a fact ). I told him all the information is inaccurate. He got agitated, yelled " I will see you in court '' and hung up. I called back to tell him that if he listened to me he would know that I was awarded a Ch XXXX bankruptcy. He put me on hold for XXXX mins. I called back and told him that I need his fax number and I told him that he was a scammer. He told me to " XXXX '' and hung up. I googled XXXX XXXX attorney in CA. He seems to be the same scammer called from a previous number of XXXX ( that # is now disconnected ), claiming to be from another Company, XXXX XXXX XXXX in XXXX, XXXX. I also googled " ( XXXX ) XXXX ''. There are many complaints about XXXX XXXX attempting to collect old credit card dept with inaccurate information and people fall for it & pay them money.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Experian for their continued reporting of inaccurate information regarding two XXXX XXXX accounts on my credit profile. Despite my repeated disputes and provision of evidence supporting my claims, Experian has failed to update or correct the information and has instead falsely claimed the accounts were " verified. '' Details of the Dispute Account Information : The accounts in question are two XXXX XXXX accounts reported by Experian. 

Inaccuracy Details : Late payments are inaccurately reported on both accounts. 
The account balances are incorrectly reflected, despite the fact that they have been accounted for via 1099-C filings with the IRS. 

Evidence Provided : I have attached my IRS transcript, which clearly indicates : The balance of both XXXX XXXX accounts is accurately accounted for in the 1099-C filings. 

The accounts were never late. 

Experians Misconduct When I initially disputed these inaccuracies and made Experian aware of the evidence, they falsely stated that the accounts were " verified. '' This response is not only inaccurate but demonstrates a blatant disregard for the facts and my rights under the Fair Credit Reporting Act ( FCRA ). 

Demand for Immediate Action I demand that Experian : Update the Accounts : Reflect the accurate balance as zero, as confirmed by the IRS transcript. 
Remove Late Payments : Eliminate all incorrectly reported late payments from both accounts. 
This correction must be completed within four ( 4 ) days of your receipt of this complaint. I have given Experian more than sufficient time to address this issue through previous disputes. 

Warning of Further Action Failure to resolve this matter promptly will leave me no choice but to escalate this issue further, including : Filing complaints with other regulatory bodies, including the Federal Trade Commission ( FTC ) and the Attorney General 's Office. 
Pursuing legal action against Experian for violations of the FCRA. 
Supporting Documentation Please find attached a copy of my IRS transcript, which provides undeniable evidence supporting my claims. 

Thank you for your immediate attention to this matter. I trust the CFPB will ensure that Experian complies with its obligations to provide accurate and fair reporting.
Product: Credit reporting or other personal consumer reports

I called JP Morgan Chase Bank on XX/XX/year> about a XXXX credit  card that someone else applied for on the same day, using my information. They said that the application was denied and that they would contact credit bureaus to ask that they remove this hard inquiry. I called to followup on XX/XX/year> and XX/XX/year> and they said it could take a couple of months to be completed. 

I have still not seen this hard inquiry removed from my XXXX credit report. It is not on my other two credit reports.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, PORTFOLIO failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
PORTFOLIO Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
PORTFOLIO Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have for the past 7 months been sending requests to the CFPB about the inaccurate and incomplete information that continues to remain on my credit file with XXXX. The account XXXX XXXX is ONLY reporting on my XXXX credit file, it is not on any other field. Not only is this account still reporting inaccurate and incomplete information and I have requested this to be updated by the bureaus since XX/XX/2023, but I am also submitting another request. The law states that all information must be complete and accurate and if the request takes more than 30 days the items should be removed from the file. 
The 2nd account is reporting inaccurately and with different dates, different amounts, different notes in the description this is a violation. 
Account : Cain & Weiner- $ XXXX orignal creditor Progressive- DATES ARE DIFFERENT, AMOUNTS ARE DIFFERENT AND THIS ACCOUNT ISNT ON XXXX. Only XXXX and XXXX, this is a violation as all information should be complete and accurate. 
Accounts : XXXX XXXX XXXX {$1500.00} is still also reporting inaccurate information with XXXX and different information with XXXX AND XXXX XXXX this is a violation.
Product: Debt collection

XXXX IS IGNORING THE CONSUMER FIRST WITH ME XXXX, XXXX XXXX AND NOW MY WIFE. THIS IS A GREAT CASE. CEASE AND DESIST COLLECTION COLLECTING, CALLING FOR XXXX XXXX XXXX REF. NO.XXXX, {$57.00} DUE TO XXXX. XXXX IS PAYING LATE ON THIS BILL. 

XXXX XXXX XXXX ACCOUNTS XXXX IN THE AMOUNT OF {$310.00} DUE TO XXXX AND REF NO. XXXX IN THE AMOUNT OF XXXX DUE XXXX. 


AS STATED BEFORE XXXX WILL BE WRITING OFF ALL XXXX XXXX DEBT SOON AND YOU MUST DELETE ALL CREDIT REPORTING AT ONCE FROM XXXX AND ALL OTHERS.
Product: Credit reporting or other personal consumer reports

Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It's my understanding that Transunion will investigate these accounts for me to ensure accuracy. Here are the accounts I am asking you to verify as accurate. 

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

When I checked my credit report I was shocked to see a account of XXXX this is identity left and fraud this is not my account, I want this account removed and never put back on my credit report again. 

According to the Fair Credit Reporting Act you must provide MAXIUM possible accuracy Pursuant 15 U.S. Code 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 


( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Money transfer, virtual currency, or money service

Tried to login into Venmo account and the system is not recognizing my account. I have money there that I can not access!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I put in an application for a loan, I was denied for the loan because they informed me that on my equifax credit report my child support was in default and late over 120 days for almost 2 years. Ive have not been late with my support or missed a payment. enclosed as proof are all my child support payments that i receive emailed receipts. I mailed the first letter to experian on XX/XX/2018 and they send my a reply as verified and that the information was correct. on my second later dated XX/XX/2018, i asked for proof of verfication. Per the Fair credit reporting act, they have the burden of proof sending me documentation on how they verified the information. They sent me a letter saying that it was once again verified and that they updated the status from 120 days late every month to " G '' which in their code means account under collection. Once again, no letter, no method of verification. So I decided to call the number that equifax has listed on my report for the child support office and it is disconnected, XXXX XXXX.So if they have the incorrect number, how can they call and verify?? My child support obligation was met and closed on XX/XX/2018. The account is now closed, I went to the office in XXXX and they told me to dispute with the credit report agencies because it was out of their hands. I took the initiative to go into my emails and found the payment receipts for all my support payments enclosed, which prove that all payments were made consistently, on a monthly basis with no deliquencies or missed payments therefore proving my case all along that this was incorrect information. The credit bureau had the burden of proof to properly investigate this information and failed, A blatant violation under the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

On ( Date ), I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt.

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does not investigate discrepencies in my report. the errors that I have requested be investgated fail to looked at. additionally there is XXXX point difference in FICO score compared to XXXX and Experian. when I call the XXXX number they hang up on me. additionally they have advised me that I must pay to get an updated fico score and report update. Experian continues not give me one update they dropped my fico score XXXX point for no reason! <P/>This is not a duplicate do not cancel this submission it is not a duplicate experience continues not to investigate my discrepancies they fail to notify me of any changes they have requested additional information meeting my name and Social Security number which you have provided this is unfair treatment to a consumer and consumer finance group should be responsible in pursuing this on ethical corrupt company
Product: Checking or savings account

Regarding a promotional bonus that was advertised when I opened a Chase Total checking account and a savings account.

Upon opening these accounts with chase, I was informed of a promotional offer that included the following bonuses : A bonus of {$300.00} for opening a Chase Total checking account and having a direct deposit post to the account within 90 days. 
A bonus of {$200.00} for opening a Chase savings account and depositing {$15000.00} or more in new money within 30 days, maintaining a balance of {$15000.00} for 90 days. 
An additional {$400.00} bonus when completing both of the above bonuses. 
I am pleased to confirm that I have met all the terms and conditions required to qualify for these bonuses. 
Specifically : I opened a Chase Total checking account and had a direct deposit post to the account within the specified 90-day period. 
I also opened a Chase savings account, deposited {$15000.00} in new funds within 30 days, and maintained the required balance for the following 90 days. 
Despite fulfilling all the requirements for the promotional bonuses, I have not yet received the additional {$400.00} bonus as promised. I contacted a XXXX who assured me that the promotion would be honored, yet the bonus has not been credited to my account. 

I would greatly appreciate your assistance in resolving this matter and ensuring that I receive the full bonus amount as advertised. If there are any additional steps I need to take or if further documentation is required, please let me know so that I can provide the necessary information promptly.
Product: Student loan

I received in the same day a denial saying that my PSLF discharge was denied because I was no longer employed by a government entity ( I am, and the form I submitted showed I still am employed. ) The SAME day I received the following message from MOHELA in writing that said " Thank you for contacting MOHELA, Congratulations! There is no further action that you need to take. We will notify you once the discharge is in process. Public Service Loan Forgiveness ( PSLF ) Discharges can take up to 90 business days from the notice to be complete. " When I called it took 10 times at least being on hold for hours and when I finally got through the girl was clueless and said she didn't know why my loan wasn't discharged and the denial " must have been a mistake '' and said it looked like I had done everything I need to do. When I hung up she resent a copy of the same denial. Their website currently has me with XXXX qualifying payments for pslf and they say on the phone and in writing that I've done everything I need to do, yet they STILL show a balance due and are still reporting this balance on my credit report. I can get NOBODY on the phone who can tell me why my loan hasn't been discharged and my credit is being negatively affected.
Product: Checking or savings account

Moneylion XXXX has held {$240.00} of my funds for over two years. I have repeatedly provided them the documentation they have requested. I have contacted them multiplle times via phonecall, email, and chat support, only for them to request the same documentation that I've provided them several times.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX & XXXX I sent money through PayPal for an alleged puppy ( XXXX ) that was named XXXX by my me and family. We sent money for him to be taken to the vet, to also purchase the puppy itself and have insurance. I was suppose receive him 4 days ago on XX/XX/23 at XXXX. But I have not received the puppy the person will not send me the address to go pick him up as agreed on contract. I contacted the person for my money because she technically breached her contract. The person keeps saying she will send me my money back but I have still not received it. The person keeps saying there personal things going on but I could care less because I never received the puppy we arranged on.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX refused to refund me the interests paid on the loan already paid. The account had been paid in full, with additional interest paid out of pocket. They are also reporting inaccurate, negative information on my personal credit report causing grave stres when applying for credit. They refuse to send me my car title, and refund me my money already paid ( interest ) on a loan that was already paid.
Product: Mortgage

XX/XX/XXXXpayments were $XXXX.  Repeatedly return my payments saying checks are damaged-XX/XX/XXXX check for XXXX   returned, XX/XX/XXXX charged late fee of $XXXX.  New check XXXX returned "damaged."  Amount due for XXXX I paid $XXXX  for XX/XX/XXXX & XX/XX/XXXX.   XX/XX/XXXXpaid taxes as PennyMac was late.  Escrow was short $XX/XX/XXXXwhich I paid but payments went to $XXXX XX/XX/XXXX.  XX/XX/XXXX check for XXXX returned "damaged."  $XXXX late fee.  They got my acct. # wrong when called in and didn't post so $XXXX fee.  They said account was closed but XX/XX/XXXX I sent copies of statement showing it was open and active.  XX/XX/XXXX check "damaged" letter arrived.  XXXX XXXX has been an ignorant, inept communicator and needs education in customer service and business administration.  I don't know who it is but they must have graduated at the bottom of their class!  Via letter dated XX/XX/XXXX I was told they received another "damaged" payment.  I'm sure escrow will be short again this year and why, even though I pay the deficit, do my payments go up so significantly?  Out of all the businesses I pay by check why are they the one (1) whose checks are damaged?  They are trying to force me into online or auto-pay banking.  It's unethical and dirty business!
Product: Debt collection

I am not sure what the debt is but it just keeps popping up on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

After providing proof to XXXX they are still choosing to report false information on my report. The accounts are XXXX XXXX XXXX, XXXX, XXXX BANK XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, I have been dealing with a long back and forth with all three credit bureaus over a large amount of fraud and inaccurate information across my entire report. On XX/XX/year> ( and a few times before ) I have sent disputes to XXXX XXXX XXXX XXXX what appears to be an auto loan that is reported on my XXXX Report. I have submitted documents and attempted to contact the creditors. They all have failed to comply even after the thirty days after XX/XX/year>. They have not responded to the latest dispute as of XX/XX/year> XXXX. I am please requesting that this matter be resolved for my sake. Thank you so much for your time.
Product: Credit card

I reached out to this company XXXX, XXXXXXXX  and requesting a hardship due to my finances while unemployed. I requested them to allow me to settle my account balance for a lesser amount to no avail. I asked for a settlement. I then received an email that stated the below. On XX/XX/XXXX  I called them to accept the offer thinking the payments could be broken down, and they stated no that the entire offer amount had to be paid by XX/XX/. Due to my hardship I was unable to afford that. I need assistance getting them to allow me to settle and close this account asap. They have added alot of additional fees to my balance owed as well. Thank you! 

We know times are hard, and we want to help! You have been selected to reduce your debt by calling XXXX and accepting this settlement offer. This offer saves you {$540.00} by settling the full {$1000.00} balance with a one-time payment of {$540.00}.