23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My XX/XX/XXXX statement balance on my Chase Amazon Prime visa card statement balance was {$6400.00}. On XX/XX/XXXX of XXXX, I had a credit in the amount of {$210.00} from XXXX XXXX and on XX/XX/XXXX of XXXX, I had a credit in the amount of {$7.00} from Home Depot. Based on these transaction the outstanding balance on my XXXX XXXX statement was $ XXXX $ XXXX {$7.00} = {$6200.00}. My payment that was due on XX/XX/XXXX of XXXX was in the amount of {$6400.00}, an excess payment of {$210.00}. Despite this, Chase charged me an interest fee in the amount of {$56.00} with the reason that I was short of my payment in the amount of {$10.00}. I spoke to 3 representatives, two of who were not able access my transactions. The 3rd saw the issue and said she couldn't give my the money back, despite acknowledging that I had made an over payment in reality. On asking to be connected to a supervisor, I was connect to a supervisor from Missouri, his name was XXXX. He was extremely arrogant and didn't try to understand the issue and refused to make any accomodation. When I asked him where I could further escalate this issue, he told me he is the end and there is nobody else who could do anything about this. He has all the power. 

I find this extremely wrong and perhaps even illegal that they could make these late charges and interest charges without considerations to the credits that were made on the account. I would appreciate your looking into this and helping me out with this situaiton. 

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

In accordance with the Fair Credit Report, XXXX XXXX, Account # XXXX {$130.00} and showing as charged-off is incorrect. This was a secured account which was closed with the full deposit of {$400.00} taken by XXXX XXXX to cover a balance less than {$400.00}. XXXX XXXX erroneously and fraudulently added extra fees to the account after it was closed and deposit used for outstanding balance. They have erroneously reported the account as charged-off as it was closed and deposit used. There was not a balance to charge off at closing the account. The have 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 an account without my written instruction.
Product: Credit reporting or other personal consumer reports

sonal Statement Personal Statement Personal Statement Personal Statement i have filed form XXXX with the irs.gov. The perpetrator ( XXXX ) filed IRS tax return using my SSN which has damaged me furthermore the perpetrator ( XXXX ) have obtained from the Data Breach my personal information which has resulted in negative credit accounts and fraudulent inquiries of which ALL must be deleted immediately without delay on XXXX, Equifax and XXXX. Pursuant to Title 15 USC 1692G, 1692K et seq FCRA 605B 15 USC 1681c-2
Product: Checking or savings account

Yes cuz somebody of open discount when they were in XXXX I was in XXXX XXXX XXXX XXXX XXXX so somebody had my ID and identity fraud on for that account the date it was opened
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to have problems with the credit reporting companies retaining a BK and Charge off of an XXXX XXXX that was decided by the court to be erroneous. I have enclosed the documents showing the final judgment in our favor AND the judge ordering the return of the house to us. This has caused distress to me and my wife as we are trying to secure funds for a newer home. Please see attached court documents. The matter was settled, the property was released and the summery judgement was denied and closed with prejudice against the Bank. ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose therefore kindly maintain the accuracy and correct it as paid on time.
Product: Debt collection

There is a company listed on my credit file named Portfolio which I have never done business with, I have disputed this item and received a statement from XXXX XXXX in the mail which I did not have a prior account that went bad with XXXX XXXX and feel this is not verification and if it is, it is false information as again I never had a prior account with XXXX XXXX that I failed to pay. It is also listed It opened in XX/XX/2016 which is not true and accurate information. Needing help as again this is false information
Product: Mortgage

I applied for a XXXX loan to buy a home thru Sun American Mortgage here in Arizona back in XXXX of this year, the loan officers name is XXXX XXXX. during the course of the entire loan process clear up to and past the date of closing XXXX XXXX kept reassuring me that everything was ok and that the electronic underwriting went thru with no problems. I entered into a prepossession with the seller and moved into the home on XX/XX/XXXX. 
I paid all fees, appraisal and follow up appraisal {$750.00} also paid for repairs and materials in order to correct appraisal deficiencies, painted exterior of house, applied base trim sealed areas that were exposed and paid to have interior baseboard heaters installed, my total expenses have exceeded over {$3000.00} to date. all the while I have also paid {$850.00} each month for rent to the seller Mr XXXX XXXX. the close date was set for the XX/XX/XXXX and as I stated before XXXX XXXX stated that there were no problems that would stop the close on that date. it took 5 days past the close date for XXXX XXXX to call me with a final decision and that it was determined that I was too high of a risk and the loan was denied. when I spoke to XXXX XXXX she stated and I quote " since you have no rental history, your fianc XXXX XXXX 's rental history was used, unfortunately since she had a negative history the decision was that you are too high of a risk for a mortgage loan ''. XXXX XXXX has no reason for even being a basis for decision as she is not even a co applicant on my loan, they had no business using her information against me. XXXX XXXX falsified documents stating that the decision letter was mailed to me on the XX/XX/XXXX, I have photographic evidence of every piece of mail I received from the postal service and no letter or correspondence at all came from XXXX XXXX, in fact I didn't receive a copy of that decision until I was served with notice of eviction on XX/XX/XXXX. XXXX XXXX should not have manipulated the electronic underwriting, she had 5 months to research every detail needed for my XXXX loan, I am now facing homelessness and have had all my finances drained in this matter. Any assistance in this matter would be greatly appreciated.
Product: Mortgage

First time home buyer, FHA loan. 1st it took them 6 months to locate my 1st months payment. ( My loan was sold ). Then I receive notice my insurance has not been paid and my XXXX property taxes have defaulted. I've called multiple times. I've emailed multiple times and have not heard anything. So many people have had issues with Lakeview loancare llc and yet consumers are forced to continue to deal with this stress. Please, how do we escape the unprofessionalism, uneducated and un-empathetic company. I'm terrified I will lose my home. Please help. 

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

sent a dispute letter out on XX/XX/2022, and XX/XX/2022 to the XXXX bureaus transunion, XXXX, and XXXX and still no response after 60 days. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


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

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

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

4. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : 5. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number : Please remove it from my credit report. 

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

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

8. Validate Account XXXX Account Number : Please remove it from my credit report.
Product: Debt collection

I received a letter in the mail fr om ARA Inc. trying  to collect almost {$3000.00} that was originally owed to  XXXX   XXXX . But, I have never had an account with  XXXX   XXXX .     I called the  ARA  on  XXXX / XXXX /  XXXX   trying to talk to them. But, they insisted it was me that opened the account and gave me a list of my identity information. Some were correct ; others were not. Of course some were right because they have linked it to me identity.     They eventually hung up on me.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not grant permission to these entities to access my credit report, nor did I apply for any credit or services that would necessitate such inquiries. As such, these inquiries were made without my consent and are fraudulent.I kindly request that you investigate this matter to ensure that these unauthorized inquiries are removed from my credit report.

I have also contacted the relevant credit reporting agencies and the companies involved in the inquiries to dispute these entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I completed a 36 month lease agreement for a XXXX honda XXXX with Honda Financial Services XX/XX/XXXX. Vehicle was turned in with 0 payments due. 45 days later While Honda Financial Services had possession of said vehicle, Honda Financial Services was given a detailed inspection list of wear and tear for end of lease damage. HONDA Financial services in returned billed me XXXX. I wasnt offered a new contract stating the terms of repayment for the end of term damage. I PAID the XXXX and a negative report was still reported to all 3 credit bureaus. The 45 days it took to create the damage report would definitely show that the XXXX bill wasn't a monthly payment. I've disputed error and I'm told account is mine, which I never denied being the leasee of the XXXX honda XXXX. 
as of XX/XX/XXXX Honda Financial Services still reports to the credit bureaus a car payment that was 60 days late. This is not fair. 7 years later I am still requesting they delete all history good or bad of this account from my credit report. Im requesting new laws on how fees accumulated at end of lease are collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$37.00}, {$4100.00}, {$5200.00}, {$0.00}, {$320.00}, {$750.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Department of Education reporting inaccurately on my credit report which they didn't have my consent also all the information on all three reports have different information like addresses and phone numbers.
Product: Payday loan, title loan, or personal loan

My Credit report states that a payday loan debt aquired in Tennessee in XXXX was purchased by XXXX XXXX XXXX XXXX and is listed as derogatory as of XX/XX/XXXX even though the derogatory account was closed and the payment status charged-off over six ago. I have lived in New York since XXXX of XXXX and far as I understand collection on payday loans and derogatory marks on your credit score as a result of payday loans are illegal in the State of New York.
Product: Debt collection

I was sued by Discover Card after failing to keep up on payments. I was without an address for many months and not receiving their letters. Because of the company 's inability to contact me in XX/XX/XXXX, they took legal action to collect those funds and were awarded a judgement in court. 

I was served legal papers by a representative of the bank as soon as I was able to establish a permanent address. I immediately contacted the bank to make payment arrangements and established a plan. 

After moving from XXXX  to XXXX, I found myself unable to keep up my payment arrangement. I contact the attorneys for Discover at XXXX XXXX in XXXX XXXX, XXXX to let them know this in XX/XX/XXXX and was told it would be ok to contact them in the summer to resume payments. The women I spoke with was quite friendly, too, which was a huge departure from the quite rude and judgmental male I generally speak with concerning my case. 

In late XX/XX/XXXX, I attempted to use my bank debit card and was declined at the store despite having money in my account. I was informed by my bank that Discover had placed a garnishment on my account to recoup any possible money coming in and that the garnishment would be in effect until XX/XX/XXXX. I was unable to use my account for over a week because of this. 

I feel it was deceptive for the bank to have told me it was ok to temporarily halt payments, then take this course of action. I generally received phone calls from the law firm when there was a pressing issue to deal with ; I received no such courtesy from Discover 's attorneys prior to the garnishment. The company assumed I was just ignoring my debt. They said they would have to review a recording of my phone conversation with their representative to corroborate my account of events. 

I no longer feel like I can trust the agreements I make with this firm over the phone or even in writing, and I don't have the money for a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company continues to report a debt that was discharged in bankruptcy in XX/XX/XXXX to credit reporting agencies up toXX/XX/XXXX negatively affecting credit score. 

XXXX XXXX XXXX currently is reporting the debt and held the debt at the time of the bankruptcy filing, Nationstar Loan Management held the debt prior to XXXX and also is continuing to report the same debt.
Product: Mortgage

I fell behind XXXX payments on my mortgage at which time I applied for a modification, everytime I called to see if they had they paperwork or needed anything else they would say they have everything and then I would call back two weeks later to check on the status of the modification they would have no idea what I am talking about. I have gone through this cycle at least four times with them and this whole time they would not let me make any payments. Then someone told me my house was listed as a forclosure in the local paper with a sale date of XXXX/XXXX/2016. Since then they have received my paperwork again for modification and I have had to refax that set of paperwork three different times. Now they say I am approved for modification but they are waiting on my title but they wont tell me who they requested my title through. I have checked with every title company in my area and nobody has received a request. They tell me that if they do n't receive the title by the sale date that they will sell my house. I also have a corporate advance on my account for over {$3000.00} that nobody can tell me what it is for. I keep getting a different answer everytime I call in to this company.
Product: Debt collection

Disputed and send police report and FTC complaint to the following companies they refuse to remove the invalid information I have filed an identity theft report on : Southwest Credit Systems {$1800.00}
Product: Debt collection

This unknown company placed debt on my credit file. 
Midland Credit Management XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian is currently reporting XXXX paid and closed student loans with the XXXX. They are reporting these accounts with a collection status as of XX/XX/XXXX. These loans were consolidated and PAID IN FULL on XX/XX/XXXX. This account was NEVER with a collection agency. It 's NO way that these accounts can show it was in collections a month after it was paid off and closed a month before. I 'm attaching proof from the XXXX -STUDENT LOAN DATA. 
Also they are reporting the XXXX loan for {$150.00} i NEVER had a loan for {$150.00}. I also pulled my student loan history ( attached as well ) and it does not have any loans from XX/XX/XXXX for {$150.00}. This reporting is 100 % incorrect and i 'm asking that both accounts be removed due to incorrect reporting.
Product: Credit card or prepaid card

Wells Fargo is reporting a charged off account on my credit which I did n't even know I had. I recently found out about a card on my credit report that has charged off last year. I never received a phone call or notice from them one time. I saw it on my credit report recently and immediately contacted them. I have not used the card nor did I know of its existence. I am unsure if my ex from years ago did this and if so it is her responsibility but I did not sign for this card that I can remember. 
If I would have received a call or notice on this account I would have handled it at that time. How was an account opened in my name? This has affected my financing of a home and I was forced to pay this debt to move forward even though I do not owe nor have I used the card.
Product: Credit reporting

On the morning of  XXXX   XXXX , I noticed that there are several accounts reporting on my Experian credit report that are both inaccurate and not mine due to identity theft. yesterday I had to temporarily remove my freeze on my credit report so that I could accurately view my entire file. Prior to today, I have always been able to do this without lifting my security freeze, but for whatever reason was unable to do so this time because it stated my information did not match what was on file.     Upon my review, I noticed the following trade lines that are both inaccurate and not mine and would like to dispute them as fraud : 1.   XXXX   XXXX   XXXX   XXXX   Date Opened :  XXXX  Credit Limit : {$4000.00} Balance : {$4000.00} Last updated :  XXXX  Status : CLOSED 2.   XXXX   XXXX   XXXX   XXXX   Opened :  XXXX  Limit : {$5000.00} Balance : {$4900.00} Last Updated :  XXXX  Past due amount : {$190.00} Status : CLOSED 3.   XXXX   XXXX   XXXX   XXXX   Acct # : (  XXXX  ) ********* Date Opened :  XXXX  Limit : {$14000.00} Balance : {$17000.00} Last updated :  XXXX  Past due amount : {$3900.00} Status : Open All of these accounts, I have contacted the merchant o ver 20  times and subsequently filed  ( 5 )  CFPB complaints concerning these accounts were not reporting accurately and subsequently were also not mine due to identity theft. I have been told countless times that they would be removed. All (  XXXX  ) of these accounts have been removed from both my   XXXX   and   XXXX   credit files as of  XXXX  of   XXXX  . I am attaching my necessary documentation,  DL &amp;  SS card for verification purposes.     Thank you for your help,  XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I have requested all original documentations. That is pertaining to a debt that is being reported on my Experian credit report. I sent a certified letter requesting that XXXX XXXX XXXX XXXX. To send ALL original documentations to a debt that is currently showing on my Experian credit report. I sent the letter on XX/XX/2023. I received a confirmation letter from the postal service company. That it was signed for and delivered on XX/XX/2023. 
It's been over 2 months since It was delivered and signed by the company. I have yet to receive any original documentations from the alleged debt. See Attached Documents of certified letter and signed date.
Product: Credit reporting, credit repair services, or other personal consumer reports

On date XX/XX/2019 Global Lending Service pulled my credit without my authorization from XXXX. Which is a violations under 15 usc 1681. Which clearly states that a person shall not use or obtain a consumer report for any purpose unless one the customer report is obtained for a purpose for which the consumer report is authorized to be furnished or two purpose certified in accordance with section 1681e title by prospective user of the report through a general specific certification. I XXXX XXXX did not initiate any type of transaction with Global Lending Service Further more under the fdcra any person who knowingly and willfully obtained information on a consumer ( myself the consumer ) from a consumer porting agency under false pretenses shall be fined under title 18,. Im willing to settle the matter without why admitted liability for {$1000.00}