23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian has caused undue hardship through this dispute process spanning 7 months. They have allowed the continuation of ongoing negative reporting to my consumer credit profile, resulting in financial hardship. Please see below timeline and description of events. 

XXXX. Mailed first dispute letter XX/XX/XXXX requesting proof from the XXXX XXXX XXXX XXXX that they own the {$7700.00} debt and have authority to collect it or delete this account. Experian closed the dispute without providing proof from the creditor or deleting the account. Experian stated that the creditor certified the negative reporting was accurate without providing proof. 
XXXX. Mailed second dispute letter XX/XX/XXXX stating I disagree with the results of the first dispute. I requested that Experian mail me proof of the investigation to ensure the XXXX XXXX XXXX XXXX owned the debt and had authority to collect it or delete this account. Experian closed the dispute without providing proof from the creditor or deleting the account. 
XXXX. Mailed third dispute letter XX/XX/XXXX stating I dont agree with the amount and open date of the XXXX XXXX XXXX XXXX account. I requested that Experian provide the last billing statement from the original creditor or delete the account. Experian closed the dispute without providing any billing statement from the original creditor or deleting the account. 
XXXX. Mailed fourth dispute letter XXXXstating I dont agree with the results of the prior investigation and that I had not received proof. I requested that Experian either reinvestigate or provide proof of the prior investigation or delete the account. ( XXXX XXXX XXXX )
Product: Debt collection

Approximately XXXX XXXX, 2015, Mohela started robo-calling our home. My husband, XXXX, answered and was told he had a student loan debt. We are XXXX senior citizens and neither of us ever took out a loan to pay for school. The person representing Mohela would n't give him any information regarding the " XXXX '' they were looking for, but wanted my husband 's last XXXX digits of his social security number and his date of birth, which he refused to tell them. The robo-calls continued, so I looked up Mohela 's website XXXX www.mohela.com XXXX and XXXX called the phone number listed there ( XXXX ). He was told the " XXXX '' they wanted had a different middle initial than his and that the calls would stop. They still call XXXX a day. Thank you for your consideration of our problem. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Lexis Nexis You are violating my rights to privacy and I have proof that the bankruptcy court doesnt report any of my personal information to third parties proving you obtained my information without permissible purpose.
Product: Checking or savings account

* Fri, XX/XX/2024 : I tried to connect to my Chase account online to initiate a transfer of funds out of my account. After entering my username/ password, I received the following message : >>> We locked your account due to suspicious activity. 
Call XXXX to unlock it. 

Please note that you will not be able to access your account information, documents or statements online or on the mobile app until we unlock your account. 
<<< A similar message was displayed on the Chase mobile app. 

* Sat, XX/XX/2024 : I called the number displayed on the message and asked why was the account suspended and when it would be reinstated. The rep didn't tell me why but told me to wait a few days and to call back the following Friday if the issue wasn't resolved. 

* Fri, XX/XX/2024 : Access to my account is still suspended. I called back and received even less information : no reason, no timeline. When I insisted to get more specific information, the rep hung up.
Product: Debt collection

XXXX Bounce AI , Inc . 
XXXX XXXX XXXX, # XXXX XXXX, New York XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Bounce AI, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably.

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records.

Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes.

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX Account # : XXXX Reference # : XXXX
Product: Mortgage

My Mortgage is owned by XXXX XXXX and serviced by Seterus. In XXXX, I would have been eligible for a principal reduction for my mortgage of {$100000.00}. We were never informed of this option for our Mortgage. We filed for bankruptcy in XXXX XXXX. Our home was in foreclosure in XXXX and in XXXX of XXXX we modified the mortgage for 45 years this is not acceptable. We should have been offered a principal reduction in XXXX. The home in XXXX was worth XXXX and we owned XXXX. Now the home is worth XXXX and we owe XXXX a principal reduction is the only resealable solution for this problem. The mortgage company will lose more when we foreclose on the home. If we get a principal reduction we can stay in the home and make payments based on the value of the home. The mortgage company will recoup XXXX. If we foreclose the bank will lose much more than {$100000.00}. With a principal reduction, they are guaranteed XXXX. please refer to Schedule A Real Property in attached court documents
Product: Credit card or prepaid card

I dont have exact dates, but my XXXX credit card account that was owned by XXXX XXXX, was recently sold to a Goldman Sachs credit company named Marcus. This is ongoing.

I have had the XXXX account over twenty years, maybe thirty, and I pay it off every month. I have only run a balance twice, as far as I can remember and I paid those off in two billing cycles on those occasions.

Marcus by Goldman Sachs decided they were going to take the monthly bill out of my checking account. I dont have a checking account and I want a paper bill mailed to me every month. I told them that. My credit card bill is the only bill I have and my mother sends a check for me.

I havent received a bill and apparently, because I wont pay a bill I havent seen, Marcus has frozen my card. Last Thursday they finally said they mailed me a bill. Never got it, called them today and now they say they mailed the bill on the XXXX, yesterday. 
I am almost positive that this company doesnt want customers that settle their balance every month, but prefer customers that run debts month to month. That means Marcus is discriminating against people that pay there bills on time and in full. Im no lawyer, but that is also coercion. Marcus cant force me to give them access to my bank account or withhold their services because I pay my bills on time. 
Ive contacted the XXXX XXXX XXXX about this and I hope, that if you see some wrong doings, you will look into it. At the least, I think you should make them aware of my complaint against them. Just that might put them on their toes.
Product: Credit card

Before XX/XX/year> I added an offer for XXXX % off a online purchase from XXXX  to my Chase card. I purchased a XXXX XXXX  on XX/XX/XXXX online from XXXX  which showed on my credit card on XX/XX/XXXX and posted on XX/XX/XXXX. The offer is valid for online purchase from XXXX before the expiration date of XX/XX/XXXX. I called customer service when I didn't see a credit on my account on XX/XX/XXXX and was told I made the purchase after expiration, which is not true. The agent said they would forward my complaint and to look for a secure email in the coming days. Today, XX/XX/XXXX I received a response from chase that I did not qualify due to not purchasing at XXXX which is also not true ... didn't even know there was a XXXX  store somewhere... 

I should have received a {$49.00} credit to my account but have not yet received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my son get a car so he can have for college and I was approved but with a little higher interest rate than expected. I try to watch my credit as much as possible and I saw an account from XXXX XXXX and alot of inquiries I know nothing about. Please remove this from my credit XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX   XXXX/XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX   XXXX XXXX XXXX.Im doing this on my own and has contacted the FTC and my police here.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have removed the account attached twice already and it keeps reappearing. i also have several inquiries on here that don't belong to me. all information needed is attached
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Product: Checking or savings account

Illinois Department of Employment Security. IDES electronic deposited funds into my U. S. bank checking Account. I was terminated on XX/XX/XXXX by my employer. I filed my u.i. claim on XX/XX/XXXX. I filed as terminated. On XX/XX/XXXX XXXX XXXX of IDES entered a laid off status into my U.I. claim. And locked me out of my u.i. account, regardless of my effort to refile my claim on XX/XX/XXXX as terminated status.This generated a check of {$160.00} electronic deposited in my account on XX/XX/XXXX. This is a scam by IDES. I have to appeal any decision made by IDES if I am not found in favor to receive u.i. benefits. IDES would then want these funds returned. I notified my bank onXX/XX/XXXX to resins the deposit back to IDES. The U.S. bank has 10-90 days to decide.This IDES has placed financial hardship, and undue hardship, up on me by their deliberate actions. This is not a case of a mistake, or poor customer service. This is discrimination and corruption. I am a senior on fed.gov housing. I receive a URP utility reimburstment check of {$77.00} per month to pay utility cost. When no income is being earned. If I have income hud stops the urp monthly payment. If IDES orders me to pay monies back at a later date, that they issued on a laid off status that the state worker made. I would have to pay the funds back if found not eligible for u.i. benefits. And I also stand to loose the {$77.00} URP payment from hud. Because of this Unemployment benefit issued deposit. I am a senior. I filed a complaint with the OIG Il. Office against IDES. I notified DHA-HUD of this scam. And for their office to decide their own conclusion. I notified the bank. I called IDES for over 24 days and was hung up on, and no call returned. And then when my call was returned, IDES Does this. My first call was in the first week of XX/XX/XXXX to Tell IDES my last day worked was XX/XX/XXXX not XX/XX/XXXX as IDES had entered on the claim. This how corrupt this state of Illinois is. This was a attempt to not pay my 2 weeks wages from the employer. I filed a claim on XX/XX/XXXX with the labor board of Illinois for unpaid wages. My check was sent on XX/XX/XXXX later on in the day.. This is how the state workers and the companies and their employees, are speaking to one another in a underground organized crime corrupt network, on what they think they can get away with on workers and the people in the state. Let me make this clear I am going after the state of Illinois and IDES and the banking system the state uses. I do not know the state of Illinois and IDES banking system. I want my bank to show the world that IDES  and the state, with all their different scams in state offices, they can not push U.S. Banking customers around.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Debt collection

This is an account that you all have assisted me with complaint id # XXXX I was told that the hospital would not accept the proof I sent and when I contacted the hospital they stated that there was n't anything in there file stating that they spoke central financial control. My credit report reflected that it was removed and here a few days ago it is back on their. I have pictures I do n't understand why that form XXXX worked with all the rest of my medical bills but not them. Please help. And I also noticed on the different reports they show under different names.
Product: Money transfer, virtual currency, or money service

I have provided this information. See complaint XXXX ; Your complaint form did not allow me to add information and that is something you should fix. A key problem here relates to the Bank of America XXXX at XXXX XXXX XXXX XXXX, XXXX, North Carolina, as the Bank of America has been remarkably negligent and uncooperative, not providing a valid fax # or email address. This has been going on with other victims since at least XX/XX/XXXX and with me the scam involves a bit more than {$120000.00} lost. 

The account with Bank of America involves XXXX XXXX, the scammer 's money mule, as well as a scammer clone of XXXX XXXX XXXX XXXX. There are numerous law enforcement and financial agencies involved. 

I am providing you with about 1/20 of the material I have and I would like you to look pages 1 and 2 of the PDF attachment, as they provide the account information and XXXX XXXX XXXX XXXX 's fake website, so you can see the full extent of my loss.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX or XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$3100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to remove inaccurate information from the credit file they hold under my social security number. 

I have a letter from XXXX XXXX XXXX stating they were deleting the negative tradeline associated with the complaint I have previously submitted, but for some reason Equifax seems to claim to be the arbiter of what's accurate and what is not. 

I am demanding that they delete the negative tradeline they are reporting as a chargeoff on my credit report IMMEDIATELY. If they do not, I will use all legal remedies afforded to me by law to get this item removed, and Equifax will have to appear to a venue local to me to resolve this matter.
Product: Consumer Loan

I have sent in overpayments. The amount due plus extra to be applied to principal only. However they apply the extra payment to interest and principal, not the principal only. In  XXXX  there was no payment due per the statement but I still sent in {$100.00} to be applied to principal and they applied it to the interest not a single   XXXX   was applied to the principal balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion will not acknowledge any of my attempts to obtain my credit reports and/or mailed copies of my statements pertaining to fraud. I am unable to create an account as any identifying information requested to do so is Fraudulent and incorrect information- the same information I am trying to have removed! 

I have tried calling- but again I am requested to verify personal information that is not mine and incorrect. XXXX and Transunion have at the most only responded to mailed statements and my photocopies of my government ID 's and social security card with " please send us copies of your ID and police reports. To have sent that to receive that response demonstrates they are not actually reading and reviewing what I have sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Checking or savings account

For the last two months Ive had new debit cards added to my account without me requesting them and Im canceling them but for some reason PNC bank is charging me {$7.00} per card replacement in which is never in my possession, and has not been activated. PNC bank offers the option to 1. Report card lost or stolen.!! 2. Or replace card!! Im picking option 1 but not requesting a new card because I dont order the debit card and its never in my possession however.
Product: Debt collection

I reached out to this company at XXXX XXXX XXXX and spoke with a person XXXX. 

Hi XXXX, I just got harassed by an employee of XXXX XXXX XXXX XXXX named XXXX. I asked for supervisor and informed him I am on XXXX and I am filing a complaint with the Consumer Finance Protection Bureau. 

Best Regards, XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Payment History : Payment history for the months of XXXX and XXXX was not reported ( XXXX ) ( XXXX ) & ( XXXX ) XXXX Report Date XXXX XXXX, Confirmation # XXXX page XX/XX/XXXX Show PAYMENT HISTORY : NO DATA AVAILABLE. 
XXXX : XXXX ( Rating X ) NO DATA INFORMATION. XXXX ( Rating X ) NO DATA INFORMATION. 
XXXX XXXX ( ND ) NO DATA INFORMATION. XXXX ( ND ) NO DATA INFORMATION. 
On XXXX, I submitted a written dispute to US Bank Credit Bureau XXXX, attached United Postal Service Receipt that proves that US Bank ( XXXX ) received all the documents. like my bank statements, copies of a portion of my credit report, a copy of my DL, as well all the documents to support this complaint. This department didnt take action to correct this discrepancy in my credit report. This department sent me a letter on XX/XX/XXXX, requesting the same information already sent previously. XXXX is attached. 
XX/XX/XXXX I received a letter form US Bank, case # XXXX. I reached out to # XXXX asking to speak to XXXX, the person indicated in the attached letter, but she never returned my call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a fraud complaint on XX/XX/2022. The Credit reporting agency had 4 days to delete all fraud accounts on my credit report. Nothing has changed
Product: Debt collection

Radius Global Solution LLC, XXXX XXXX XXXX XXXX, MN XXXX. Has been sending me collection notice balance {$550.00}. The collection has reported as a pass due balance. I dont know this company. I have never done any business with this company. This company doesnt have a contract with my signature.