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

I had borrowed sufficient funds to pay off the credit cards I had open with American Express. I contacted the company thru the customer service line. I spoke to the representative on XX/XX/2018, and determined that from his statements, and the billing statement that I had received, that the payoff total for the card was {$13000.00}. That total was paid to the company, that day, using my bank transaction routing, and I paid additional charge of {$9.00} to verify it was sent that day. This was due to the next day being the due date. A week later, I received another invoice from American Express, indicating I still owe XXXX. I reached out to the customer service line, again, and this time was basically told it was consistent with company policy to charge me interest, even though it was paid off. I am currently refusing to pay that amount, as I had already paid off the card a week previous, and on time previous to the next billing cycle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( " XXXX '' ) engaged in aggressive behavior which greatly impacted my credit score preventing me from obtaining a favorable interest rate. In preparation of obtaining a car loan, I issued a payment for {$7500.00} to pay off the card on XX/XX/2023. My credit limit was {$7900.00}. On or about XX/XX/2033, I made a purchase on {$710.00} on the credit card. Without any warning or valid reason, XXXX reduced my credit limit to {$800.00}. This immediately impacted by credit score since it showed a maxed out credit card on my report. I immediately paid off the card for {$710.00} near the same time. After multiple calls, my credit report still has not been updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve this reporting issues multiple times using online reporting via the credit bureaus websites which includes XXXX, XXXX and Transunion as well as writing letters to companies for resolution. 
The credit bureaus just comeback within a few days as verified without research without looking at provided documentation. 

XXXX XXXX XXXX Opened XX/XX/XXXX Settled on XX/XX/XXXX In my negotiation with the XXXX XXXX representative, we agreed on the settlement amount with the understanding within 30 day it will deleted from my credit report. Documentation will be provided. 

XXXX XXXX : Opened XX/XX/XXXX Charged Off for Bankruptcy on XX/XX/XXXX This account was apartment of my bankruptcy is still shows in negative standing evening though I carry a Bankruptcy on my credit report and all the other account turned positive or deleted complete. In speaking with Colorado Bankruptcy Court, I was informed that that I am being penalized twice with this account being shown in a negative status and with Bankruptcy. 

XXXX XXXX XXXX XX/XX/XXXX This account was paid directly to the XXXX, but it still shows on my credit report, they are unwilling to delete even thought the primary creditor took payment and said that the collection action will be cancelled.
Product: Credit reporting or other personal consumer reports

Dear Equifax To Whom It May Concern : I was in the process of applying for new employment and housing and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts There is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$11000.00} Status Account charged off. {$12000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$10000.00} Status Repossession. {$4500.00} past due as of XX/XX/XXXX. 

XXXXXXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$5500.00} XXXX Account charged off. {$5500.00} written off. {$5500.00} past due as of XX/XX/XXXX. 

XXXX XXXX In good standing Date opened XX/XX/XXXX Balance - Status Paid, Closed/Never late. 
XXXX XXXX In good standing Date opened XX/XX/XXXX Balance - Status Paid, Closed/Never late. 
XXXX XXXX In good standing Date opened XX/XX/XXXX Balance - Status Paid, Closed/Never late. 
XXXX XXXX XXXXXXXX In good standing Date opened XX/XX/XXXX Balance - Status Paid, Closed/Never late.
Product: Credit reporting

XX/XX/XXXX I made arrangements with XXXX that I would make smaller monthly payments due to financial strain and could not make the enormous monthly payments that they requested but I would make my payments, on time every month ( which I did ). I was surprised to learn that XXXX turned my account over to a collection agency ( XXXX XXXX ) who demanded the balance be paid in full. I spoke with a representative from XXXX and she stated I could make monthly payments which I did. I was later notified by XXXX that the balance needed to be paid in full or it would reflect negative on my credit report. I sent a check for the remaining balance and the account was closed in late XX/XX/XXXX. I recently checked my credit report and discovered that my credit rating dropped from the XXXX 's down to XXXX. I do n't understand why this account was ever turned over to a collection agency when I was making monthly payments on time. I am requesting that this be investigated and removed from my credit report. The status on the collection charge shows ... Status- " Paid, closed ''. Why am I being punished for an account that was being paid ( on time ) and now reflects my credit report as " negative ''?
Product: Credit reporting or other personal consumer reports

I am writing to report unauthorized accounts on my credit report, a result of identity theft. Despite contacting the credit reporting agencies and the creditor, the issue remains unresolved. The agencies claim the account was 'verified, ' yet I was never part of this verification process. The creditor also failed to verify the account with me. 

I request an immediate investigation and the removal of these fraudulent accounts from my credit report. I also urge the creditor to close the account and clear me of any associated debt. 

Please treat this as a formal complaint and an integral part of my identity theft report.
Product: Mortgage

We purchased our home insurance from XXXX XXXX. but no matter how many policies we forwarded them and other proofs that we gave Tiaa, they would not drop their escrow ins. However, Tiaa did drop the escrow ins. after the complaint was made through Consumer Finance Protection Bureau. Thank you CFPB. Now Tiaa ( XXXX  ) will not accept our mortgage payments saying through a lettter stating that we are in default and we own payments for XXXX, XXXX, XXXX XXXX and XXXX of this year. Our mortgage pmt.is XXXX. The two paymts. for XXXX and XXXX shoew {$580.00} - we do not know where this amount originated. XXXX said we are in default for these payments and a corporate advance balance ( interest ) of XXXX. The total default is {$4.00}, XXXX and is due! XX/XX/XXXX. These payments are recorded as received by XXXX but they will not accept them. We called XXXX and the agent said that he found an error that XXXX had made as they applied our XXXX XXXX payment to the escrow ins. We asked him to correct the error and he said that they could not as this occurred over six months ago and the error will not be corrected. We asked, then how can we resolve the issue and continue to pay our mortgage. There was no answer. This is the way TiaaXXXX is going to take our home- by legalized theft
Product: Debt collection

This debt is illegally being reported to my XXXX and XXXX Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by _____ immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App. ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take time an effective measures to prevent and address fraud on their platform, leaving my accoun vulnerable an unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience financial losses, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have been paying for credit protection since I first Obtained the XXXX  XXXX. 
In XXXX I was going thru a difficult time health wise. Was scheduled for multiple surgeries that resulted in me not doing well. During this time I had XXXX XXXX XXXX. 

Although the company credited the late fees I have been going back and forth with them because they are refusing to honor the credit protection for XXXX XXXX XXXX and XXXX this has resulted in negative credit reporting that is inaccurate and should be removed. 

They keep saying they can not update a credit report. This is not true I had credit protection and the lates needs to be removed
Product: Student loan

I have recently asked for the students loans to be blocked from my credit report because someone misuse my SSN number on top of the enrollment form to enroll me into the school and the student ID beside the SSN number is not the student ID used in school.I have asked Transunion to blocked or remove the information from my credit report because of the change of identity in school in the year of XXXX, all required documents has been sent to Transunion on XXXX XXXX and received XXXX XXXX tracking number XXXX XXXX XXXX XXXX XXXXXXXX XXXX.Later Transunion ask for a Police Report which I did filed one and had it notarized on XX/XX/XXXX and uploaded on their website which was received XXXX XXXXNow they are telling me that they can not blocked or removed it that was true why have the over credit bureaus removed the account from my credit report, Transunion has destroyed my life for the past 22 years with having my daughter SSN number as mine since the year of XXXX.From the beginnings the students loans were with XXXX how did they get to the US Department of Education ? Never once did I requested the student loans to be transferred to the U S Department of Education  at no point whatsoever.
Product: Debt collection

On XX/XX/XXXX, I sent out multiple disputes to all 3 bureaus. I called Transunion yesterday to have my disputes removed off my credit report due to no response within the 30 day time frame by law. I did not bother calling XXXX since I had not heard back from them either and was expecting the same response. The representative I spoke with from Transunion said they did not have any letters from me. I confirmed the address and also stated that XXXX did not have any issues receiving my mail as they responded to all 3 disputes. Because I have filed disputes with XXXX before, I felt they didn't thoroughly investigate due to how fast they responded to me, but they did respond within 2 weeks. 

Disputes 1. I have a XXXX XXXX card with missed payments between XXXX of XXXX and XXXX of XXXX. I did not miss any payments before or after those dates. I stated that I was in between jobs during COVID and that's why those dates are missing payments when I was not employed. I asked for those missed payments to be removed or waived since I have 2 more XXXX XXXX cards that are both in good standing. 

2. XXXX XXXX XXXX states that the original creditor is XXXX XXXX and that I owe {$490.00} on an account that I did not activate. Again, I have 3 cards with XXXX XXXX and I would not apply for a card with the intention to never make any payments. I lived in a house where I was renting a room with XXXX people who were renting rooms as well at the address and I wholeheartedly believe someone somehow activated the account because I have no idea of where this account came from and I asked for this to be removed from my report. 

3. XXXX XXXX XXXX is the lender for the repossession on my credit report. The company XXXX XXXX XXXX XXXX ) ( XXXX XXXX ) I purchased that specific car from settled in court for using " deceptive and unfair sales and financing practices, deceptive advertising and deceptive reviews '' - Federal Trade Commission. I lost my job at the time, however, the payments were more than what what was offered over the phone and via email. The representative sold me a defective car. The car jerked as we test drove and when I asked him about that he stated, " the car hasn't been driven in a while, that's normal ''. The XXXX XXXX XXXX had many recalls for that " jerking '' issue as it continued to happen. Due to XXXX XXXX XXXX working with a deceptive company, I would like to have them removed from my credit report. 

I did not know this information until after and attempted to call XXXX to update them regarding this and as I stated above, I do not believe they included the additional information regarding the lender working with a deceptive company since I ended up with they did not remove this from my report so the 3rd letter won't state the updated information regarding the settlement.
Product: Student loan

My personal and financial data was compromised, violating FERPA. I request full cancellation of my student loan debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous dispute letters to XXXX  on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

I've requested for a Bankruptcy account reporting to my credit profile to be removed due to it being inaccurate and invalid. XXXX has yet to provide me proof of verification of account and continues to report this Bankruptcy account which has hindered me from acquiring credit.
Product: Mortgage

My name is XXXX XXXX. I have a loan with Bayview Loan Servicing LLC. I would like my home to be released to me. I would like Bayview Loan servicing LLC to stop negatively reporting on my credit bureau report. I've never had a late payment. I feel like I'm being treated unfair. I paid my mortgage off in XX/XX/XXXX. I have been paying on fees add to the mortgage.. My mortgage came from XXXX. I really only owe {$380.00}, this is an add on created at my first mortgage company,  XXXX. Since I have Bayview Loan Serving LLC has acquired my mortgage it has increased every time the payoff is near. I have over paid {$1200.00} on this mortgage and I need help to be done. Bayview wanted {$1200.00} for the add-on to mortgage. When I started paying it off the add-on amount kept changing now it is {$1700.00}. This add on I was informed by Bayview Loan Serving LLC. XX/XX/2019 the last payment was made. I only authorized one mortgage payment of {$360.00} for XX/XX/2019. There was a second payment withdrawn from my account for {$360.00} on XX/XX/XXXX unauthorized. The balance on the mortgage after the first mortgage payment was made in XX/XX/XXXX of {$360.00} would have been approximately {$100.00}. I received the check for {$250.00} in the XX/XX/XXXX mail. I checked my bank statement and call my bank. I had my bank reverse the second mortgage payment. Receive documents in the mail saying to pay my mortgage off and there are no liens on the property. Bayview gave me a representative by the name of XXXX called me on XX/XX/2019we did final payment on the mortgage of {$200.00}. I also received an overnight package requesting XXXX XXXXsome dollars to close the mortgage out overnighted do XXXX  the day before. Yesterday I received the documents saying I owe {$1600.00}. This is what they want to make the mortgage current. Every payment I made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are marked as unpaid. My bank statements will prove that I paid my mortgage. The letter also says I'm 149 days delinquent in my mortgage and they want to foreclose on my home as of XX/XX/2019. I pay all my own taxes and insurance on the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto finance had violated my right this account is NOT mine. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I attended XXXX school between the years of XXXX through XXXX. During this time, I took out XXXX {$30000.00} private student loans - XXXX in XXXX and XXXX in XXXX - for a total loan amount of {$60000.00}. Upon graduating in XXXX, these XXXX loans were acquired by American Education Services ( " AES " ). 
I have been repaying these loans since then and as of today ( XX/XX/2017 ) I have repaid {$27000.00} in principal and {$42000.00} in interest -- for total repayment to AES in the amount of {$69000.00}. However, due to AES abusive lending practices, my outstanding balance still reflects an outstanding balance of {$55000.00}. This is abusive and excessive. I am asking for AES to dismiss this loan in good faith given that this loan has been repaid in good faith and the outstanding balance is a direct result of unfair practices. I am also requesting that the Consumer Financial Protection Bureau review AES 's student loan lending practices. 
Thank you Please refer to the attached supporting documentation.
Product: Bank account or service

I noticed that Chase will charge an NSF fee to make it seem as if it is an opportunity to charge a fee, but I also noticed that upon making a purchase with lots of funds yet it stays in the pending status for a day or two. Also, I notice when my deposit check and purchase at the same time, within a few hours or same day, the bank will charge a fee, making it seem as though due to less funds they have to charge a fee which is a not so good advantage as they can see the funds in their systems, and take it immediately out of the pending status and the merchant did not even request it that fast. I feel this help keep the bank funded at the consumers ' expense, as this economy is very stressful. 

My deposit was made before the cut off time but yet I was charged a XXXX dollar fee in my account. This also happened before. I was charged another XXXX dollar fee. I work hard to keep my account in correct form because I have been a Chase customer for 45 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report, I discovered that some of the information was erroneous and inaccurate. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$180.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$560.00}, XXXX  XXXX XXXX Balance : {$420.00}.
Product: Credit card

I have been trying to lower my interest rate to help with paying off my bill and they been not working with me and giving me the run around. The company misleading on the card interest rates.
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX Services # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX  # XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

A collection agency is reporting an attempt to collect to credit reporting agencies. I have never been contacted by this collection agent. I do not know for whom they are attempting to collect or what the {$130.00} collection is for. NO ONE has contacted me. I never received a bill I did not pay. I have not been given an opportunity to dispute or pay. The only knowledge I have of this is on my credit reports as negative information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXXXXXX ( XXXX ) XX/XX/year> /
Product: Credit reporting or other personal consumer reports

Disputed item on credit report with submitted identity theft report, consumer statement, drivers license, and social security card as proof of address and identity. Company did not fix error on my report. Previous disputed XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX