23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On or about XX/XX/2022 XXXXJPmorganchase Financial was sent a contract by way of Certified mail, the negotiable instrument contract stated " I accept your offer in the amount of {$20000.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument ''. XXXXJPmorganchase redeemed the the instrument on or about XX/XX/2022. XXXXJPmorganchase has not honored the contract and continues to harass and Tarnish the credit of the allege Debtor and also threaten with repossession
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX, I saw some hard inquiries that did not have a permissible purpose. I also attached evidence : Name : Equifax Date : XX/XX/year> These inquiries has no permissible purpose to be on my report, delete these inquiries due to violation of 15 USC 1681B.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I attach proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. There are also numerous inquiries that are shown in my report, many of which are not mine. All these companies referred me back to the creditors that submitted the requests, who then referred me back to the companies which resulted in a vicious cycle of runaround. I am a victim of fraud, and this data breach has truly hurt my credit score. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In retaliation for filling complaint no. XXXX, XXXX- XXXX  has denied the loss mitigation request. On XX/XX/2018, the servicer requested additional documents. On XX/XX/2018, the servicer sent notice acknowledging receipt of complete application. On XX/XX/2018, XXXX  denies the mortgage assistance request. I have attached herein copy of fax transmittal that proves that the loss mitigation application was received by XXXX  on XX/XX/2018, therefore it would have been impossible for XXXX  to have acquired a complete package on XX/XX/2018, and send to investor for approval. The documents provided by XXXX proves that they denied the application before the application was actually received. This proves XXXX  no good intentions and neither did they review the package for mortgage assistance. This is a question for the Consumer Financial Protection Bureau analyst. Does it make any sense to have a denial letter before you actually send the application, the proof is very clear and convincing. XXXX has denied the mortgage assistance request before the application was even received and has provided deceiving excuses. XXXX  signed an agreement with Treasury and therefore must abide by all Treasury Rules and its directives. On XX/XX/2018, all XXXX XXXX servicer 's particpate on the flex standard loan modification. We meet the Eligibility and therefore request a trial plan asap. XXXX  has engaged in deceiving practices in connection with the mortgage assistance request. Sanctions are appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2022 to delete : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX Reference # : XXXX Liability : {$0.00}, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete these items not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX and I am including these items again.
Product: Credit card

First, I would like to say I pay my bills and on time. 

Discover credit card did not credit my account when items were returned to the store XXXX. Discover lead me to believe they were investigating the dispute when the real truth was when the items were returned to XXXX, XXXX issued the credit back to my account but in return Discover reversed it back when I got my statement and saw that it was for a few cents more favor being on XXXX when I finally found out the real truth that Discover had been lying to me all this time racking up late fees on my account when my account was paid in full. When I found out the real truth I filed a lawsuit against Discover and they closed both my cards. When I filed the lawsuit against Discover I also in returned filed against the other two creditors because they too had a XXXX balance and it was their responsibility to have corrected their mistake and did not. 

After Discover did this to my accounts I had creditors that I had been with for years to close my accounts So with all the damages that Discover did to me it has brought my credit score way down not to mention all the time and money to get this corrected. The lawyer stated he could not believe Discover did this. Now I will have to file in federal court against Discover but now Discover dismissed it to a third party but still showing on my credit report as being unpaid.

credit score. When Discover found out I had filed the lawsuit against them they closed both of my accounts however before closing the one that should have had a XXXX balance they kept showing an unpaid balance and in return I believe made two other creditors follow suit in Discovers wrong doings. 

XXXX XXXX  account was paid in full and they too kept showing late fees and this was Comunity banks wrong doing when I paid my account in full their own employee took one number incorrectly from my bank account which in return showed my account not paid but it was their late fees which did this.

One of the three creditors I filed against in court paid me before going to court and we both came to terms and settled. The other two Discover and the XXXX creditor closed accounts but still showing unpaid on my credit report. 

This information was also sent to all three credit reporting agencies along with all supporting documents to show what was done. 

I will have to sue them in federal courts not sure when I will have the time to file. 

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

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Experian, XXXX, and XXXX regarding a XXXX collection account that I wish to dispute. The details of my complaint are as follows : I recently checked my credit report and found that there is a collection account from XXXX on my credit report. However, I believe this collection account is inaccurate and should be removed from my credit report. I have attempted to dispute the account with all three credit bureaus, but have not received any resolution to my satisfaction. 

I believe that this inaccurate reporting is damaging my credit score and hindering my ability to obtain credit and other financial services. I request that the credit bureaus conduct a thorough investigation into this matter and remove the erroneous collection account from my credit report. 

I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that the credit bureaus are accurately reporting consumer credit information. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Debt collection

CBE Group Payment System is extorting money from me based on false statements from their XXXX client. In a telephone conversation with a CBE collector, which took place in XXXX XXXX, I explained that I did not have any debts, I was asked to make a dispute with their agency. On XX/XX/2023 I sent them my dispute online. On XX/XX/2023 I sent them my dispute by registered mail. However, no one even read my explanations with the attached evidence. I have attached a file with the name To XXXX XXXX XXXX  And other files proving my correspondence, including email and chat transcript with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The car lot i traded my vehicle too over the past couple years has ran my credit multiple times. 8 times within one week. They just ran it again XX/XX/XXXX without my authorization. I have never had a missed payment or high utilization. My credit score has dropped tremendously due to XXXX hard inquiries when i should only have 3-5 if that.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Payday loan, title loan, or personal loan

Where I live is a very small town where everyone know everyone 's business. I am fraudulently being charged money for child support. And my privacy is very compromised. I was making payments on this loan faithfully. The loan was close to being paid off. I would pay months in advance to assure payments and then some. The fist loan was for the amount of XXXX, then the second loan was for XXXX. They combined the remainder from the first loan and the second loan with another monthly bill amount. I continued to make payments the same. Until I got into a legal situation that refrained me from making payments. I contacted them about the situation. Then I filed my taxes as soon as I filed my taxes. The taxes were taken for child support. Fraudulent child support keep in mind. But since I am having problems with settling that matter. I felt some sense of relief knowing that some of the child support payments were being reduced. Well right after that. I received a notice on the door from the loan company sending me to court suing me for over 3000 dollars. As if I had never made any payments to them at all. I feel that I do not owe them that much money. And as I researched the company. I saw that several other people had several complaints similar. I feel very harassed from this company because it seemed ironic that they would do something like that to me. Right after attempting to make a payment towards the child support. I felt it to be insult to injury. Especially the fact that I consistently made payments to them. How so they could charge me so much more than what the loan actually was along with collecting so many payments from me. I feel as if I was scammed and being manipulated to make payments that I do not owe. The name of this loan company is XXXX XXXX in XXXX Louisiana. At first they were acting accordingly then all of the sudden they became greedy.
Product: Credit card or prepaid card

I contacted Comenity Capital Bank holders of the Zales Jewelers Diamond Card regarding the payment made to our account on XX/XX/2023. The payment was made at the local store as a balance transfer check. The payment was posted and cleared on XX/XX/2023. We then received notification from the account portal that the payment was returned. I started a dispute with the creditor to request proof of why the payment was returned and where the returned check was returned. I received the six-letter from the creditor stating that the account was still owed and that the initial payment made was returned. Even are I provided both a digital copy of the check showing that payment was posted and clear and a copy of my banking statement indicating that payment was made and that funds were taken from my account for full payment on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX to remove a medical account from my credit report and they have not.
Product: Credit card or prepaid card

I got approved for {$350.00} with Aspire MasterCard however there was a fee to pay in order to get the full credit so, I paid this fee. 
I never got to use the card once because when I tried it was always declined so I chatted with them and I was advised that account was closed due to inactivity on XX/XX/2021 and they never sent a message or letter letting me know this. This company ripped me off and they just said the account was closed and thats it. 
I cant believe that here is the US they let this awful people get away with something like this. 
Thank you!!
Product: Mortgage

There is a XX/XX/XXXX foreclosure date set. We have been trying to do a short sale since XX/XX/XXXX. The home has been listed. The lender did an appraisal and the value came in at $ XXXX in XX/XX/XXXX. The agent has had the home listed and we have not gotten any offers close to that. We submitted 2 offers and the lender automatically denied them. We have requested that they order a new interior appraisal since the market has changed so much in the last 6 months. 
We were told the appraisal expired on XX/XX/XXXX but they refused to order a new one. 
We can show listing history, showing history and feedback to show this property is not worth $ XXXX like the lender wants.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became aware of being a victim of identity theft when I received a call from XXXX Police to come into the office for an important matter. At the initial meeting, my information such as SSN, Driver license, as well as my citizenship paper were in the hands of the officer. It was then that I went to review my bank account and credit report to realize the monies had been taken out from my bank account and numerous of bank cashed checks as well as credit card were under my name. With this action, there is a court case still in pending status. At this time, I have tried to open another bank account so I can cash my checks from work to continue my daily life, however, I am unable to do so due to identity theft and the inquirer information of my CHEXSystems report. I have been informed and directed to this website to file a complaint. Please advise. 

Thanks, XXXX XXXX
Product: Checking or savings account

I submitted written direction to close my CD on the maturity date ( a Friday ) and send the funds to a designated credit union. Marcus did not send the funds as requested. 
I called Marcus on Saturday and asked why they had not complied with my written directions. I was informed that a " restriction '' had been placed on my account. I had not been contacted about any restriction! I was asked if I really wanted the funds sent to the designated credit union-I replied of course! i was then informed the restriction had been lifted. 
I stated that I did not want anything to happen to my funds until I had an opportunity to discuss wiring the funds to the credit union on the following Monday. I was told OK. 
On Monday morning I called Marcusand was told that the funds had been sent by XXXX to the designated credit union that Monday. 
I explained that my direction about the funds had been ignored by Marcus twice-once when the funds were not transferred on the maturity date and once when my Saturday direction to not do anything with the funds until I could speak to Marcus on Monday about wiring the funds. 
I asked Marcus to withdraw the ACH transfer and instead, wire the funds so I could ensure receipt by the designated credit union the same dayI I was told there was nothing that Marcus would do-that Marcus had complied with my original wishes even though they had not complied twice since ignoring my original direction!

I stated that Marcus clearly did not listen to their clients, ignored their clients wishes and would not fix their mistakes! 
I asked for the name and address of the Marcus CEO and was told they would not release that information-icing on the cake!
Product: Credit card

First, I have two questions.

Do your call centers ever get supervised by your head office? 

Also, kindly confirm me if bullying, harassing and treating customers like trash is part of your company policy. If it is, you don't have to read further. 

I have two credit cards- Quicksilver and Savor One, using them for few months now. 

Few days ago, I lost my Quicksilver card, your bank mailed a new card to my po box . Yesterday, I had to close my po box . So, today, I called your bank and spoke with a female supervisor asking her to expedite the card to my home address instead. She tells me that is not possible because it is a brand-new account and the card is coming with a welcome kit. How is this a brand-new account and why would you send me a welcome kit, considering the fact that the card was opened many months ago and has been used on a regular basis. I asked her to look into it deeper, she started giving me attitude and came strong at me. I asked her to not show me her attitude to which she claimed that apparently, I have been giving her attitude from the beginning of the call. Now here is the thing, I have a good tolerance level, having said that I know where to draw the line, and that's exactly what I appropriately did after that in that call. Of course, the call didn't go anywhere after that.

I called again and spoke with a different supervisor ( female ). I told her what happened in the previous call and told her to lodge a complaint against the previous supervisor. I then asked her to expedite the Quicksilver card to my home address. She said that the welcome kit and brand-new account info given to me in the previous call was all wrong. She then confirmed that she had expedited the Quicksilver card to my home address. Little did I know, behind the scenes she was prepping to mess up my other card. 

Then I go to buy grocery and I see my Savor One card does not work. I then see an email which states that the Savor One card has been closed and a new Savor One card is in the process of being mailed. May I ask WHY!? I never reported my Savor One card to be lost, then WHY!? Now, I am left with no credit cards on me.

Just FYI, there are lot of people in America looking for work and those people will do a very good job because they need the money badly to pay their bills, and these are the kind of people you have hired in your call centers, these people take their jobs for granted.

I am not even getting in to all the dispute lodging conversations and concerns I had during the last two weeks otherwise this will get lengthier. Right now, I need my credit cards first.

Please EXPEDITE both my cards to my home address.
Product: Debt collection

I called on XX/XX/XXXX at around XXXX XXXX  Arizona Time. I attempted to inquire about a collection placed on my credit report. They did not provide any data regarding the collection. They said that they could only give me written confirmation about the handling of the collection if I paid the amount. They never provided any proof that they were a legitimate collections agency and refused to help in any way to help me ascertain more information. They wrongly placed a collection on my Credit Report, and would not give anything in writing regarding it, they also never contacted my phone number they gave a phone number that did not belong to me and was not on my account with the Creditor in Question, they also were using shady tactics to solicit payment, they also confirmed that they had an incorrect address on file and when I said that neither the phone number nor the address belonged to me they said well that's not our problem and refused to take any sort of mediation or arbitration to try and resolve the unfair collection. They also refused to update my information to make it accurate, so that way if there were any further communications I would be aware before having a collection put on my account. I can also not provide documentation due to the fact that they would not provide any. I did provide the statements from the Creditor 's website to establish that this was indeed an unfair collection effort as you can see in the screenshot I have a credit balance and my contract with the Creditor ended on XX/XX/XXXX, thus anything after the fact is not an authorized charge and they also have not explained why I show a credit balance for all dates post contract termination and they have also not explained why this was sent to collections and they can not provide statements on the itemized charges so I can determine the legitimacy of those charges, this is extremely unacceptable.I did not visit in person I just contacted what was provided on my credit report due to the fact that they had not sent anything to me prior, and the conversation I did have on the phone with the company in late XXXX, where I disputed the balance was not on the record. XXXX was not able to substantiate the amount with statements in any way and when I disconnected the service I was told I did not have a balance outstanding