23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a dispute for inaccurate information on my credit report ( FIN # XXXX XXXX. More than 30 days elapsed and I still didn't hear back from Transunion on the results of the investigation. I called them and requested a report on the results of the dispute. They refused to send it to me on the grounds that they had the wrong address on file. I gave them my updated address and they still refused to send me the results of the dispute.
Product: Credit card or prepaid card

I sent a complaint back in XXXX regarding this same complaint. I did not realize I needed to provide more documentation and Midland Credit stated they sent me documents that I needed to fill out and send back, but I never received any documents. I found out my dispute was closed and they are still trying to pursue with the collection of the funds. I am filing a dispute again. I was a victim of Identity Theft and have reported this with the credit bureaus ( XXXX, XXXX, XXXX ). Therefore, this credit card with XXXX XXXX XXXX  was opened in my name as fraudulent. I had no recollection of this card. And there is proof back in XXXX I reported that I was a victim of Identity Theft and in XXXX XXXX XXXX XXXX  sent this bill to collections ( Midland Credit ).
Product: Student loan

For at least XXXX year, XXXX payments on my student loan have been reversed, with no notice or explanation. I have called the student loan company several times and asked for detailed documents showing my payments and resulting balance due. I have not received the items requested. I have been told both by collections and customer service that they can only submit another " research request '' but can not explain the reversals or offer any documents showing that my loans are being paid down. Consequently, I believe that my loans are not being paid down. I am constantly being called by the company and asked to submit payments, which are then reversed. I need someone at Navient or XXXX XXXX to give me a full explanation in writing.
Product: Debt collection

After carefully inspecting my recent credit report, I identified several accounts that I think are inaccurate and were included without my awareness.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 TransUnion XXXX XXXX XXXX
Product: Debt collection

Midland Credit Management harrassess me non stop even after speaking with them. I spoke with them and explained my situation. I am low income, on a housing program and can not afford to currently pay off any debts. I asked them to stop calling me at work. They refuse to listen to my request, and constantly call me while I am at work.
Product: Credit card

This is my 4th complaint on this company that shouldnt exist. I havent received a promised paper statement since XXXX of 2024. The USPS also informed me no bill has been scanned in since that date. This company lied and said an agent reached out to confirm my address that is a lie. The company said an agent told me to wait 7 business days mind you this is after a payment was due. I am paying above the payment that I always pay of {$130.00} per month. The company forced me away from online payments because of a derogatory policy they have to punish people who want to leave their predatory company. So it is disgusting and delusional to think someone can pay what is due when they have no bill for 5 plus months! They refuse to provide the calculation for monthly payments because their penalty apr will be disclosed. They tell me to refer to my statement. I havent received a statement since XXXX. I have no emails in my junk mail, normal mail, nothing. I want this debt settled and off my credit report as they are falsely reporting it late because they are an XXXX  company. Only responses I get are automated and a lawyer cant even get a response from them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX IN is reporting on my consumer reports at XXXX, XXXX and Equifax. As a debt buyer/third party debt collector they do not have permissible purpose ( which is my consent ) to furnish this information on my consumer report because I have no contract with them whatsoever. I never gave permission for them to share my personal information.
Product: Checking or savings account

JP Morgan Chase Bank Dear Sir/Madam : I am writing to you in connection claim # XXXX regarding to my XX/XX/XXXX debit card transaction in the amount of {$15000.00} USD to XXXX XXXX. I am filing my claim for a refund under the Visa Chargeback Scheme rules against XXXX XXXX - a binary options broker for the breach of contract ; XXXX XXXX failed to deliver services as promised per conversation with their director - XXXX XXXX and as stated on their website. My husband ( XXXX XXXX ) and I opened the account with XXXX XXXX with the promises that we can withdrawal our deposits in three months once we elevated our account to Diamond status that we will had a dedicated manager and expedite withdrawal. We were n't able to withdrawal our funds upon request and our dedicated manager stopped calling us in XX/XX/XXXX of XX/XX/XXXX and our online trading account were locked out. XXXX XXXX is breach of contract upon the failure to deliver services after XX/XX/XXXX and the actions taken to lock our account with a balance of {$71000.00} USD. Therefore, we are filing the refund under the Visa Chargeback Scheme rules which afford us 540 days from the date we initially sent the money ( XX/XX/XXXX ). I 've attached all documents and communications as part of the this chargeback process. This includes the payment processor platform that is complicit in this scam. XXXX XXXX XXXX is the name on the payment but it 's XXXX XXXX that handles all of the payment transactions. The contact person is XXXX XXXX. Please feel free to contact me at XXXX. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

There is a fraudulent credit card listed under my name with Chase Bank/JP Morgan This account is COMPLETELY fraudulent and I never opened nor applied for it. I have also NEVER lived at the address linked to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian is reporting a fraudulent account, XXXX XXXX XXXX, account number XXXX date opened : XXXX XXXX XXXX, also the address XXXX XXXX XXXX XXXX ny XXXX. 

XXXX is reporting a fraudulent account XXXX XXXX, account number XXXX open date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give any written instructions nor did I authorize any of these inquiries. The reporting of these inquiries are a violation of 15 USC 1681b ( c ) ( 3 ). The following shall be removed immediately. 

XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Used Inquiry date : XX/XX/XXXX XXXX FXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX, New Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX- non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy, XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/2019 that is not mines listed on my credit report, I have filed an Identity theft report with the federal trade commission as well, the report number is XXXX. I have filed a previous complaint XXXX and nothing has not been done. Please remove
Product: Credit card

Please use this letter as an explanation of what Bank of America is reporting as a late payment flag on my Cash Rewards Visa Credit Card. 
On XX/XX/2024, I transferred my {$130.00} cash back rewards to my credit card to apply toward my XXXX bill. This transfer was categorized as Payments and Other Credits,. On XX/XX/2024, I made a payment of {$210.00}, which was a few days late ; my due date was XX/XX/XXXX. Bank of America has confirmed they do not impose penalties until a payment is 30 days late, a threshold I did not reach. 
After multiple conversations with Bank of America representatives via phone, it was confirmed that the late payment in XXXX should not have triggered a flag. However, I was informed that cash back rewards do not count as an official payment, despite the system allowing the transfer. I was advised that I could have moved the funds from my cash back rewards to my checking account and then made a payment to avoid the flag, which seems unnecessary given that I used the rewards directly. 
On XX/XX/2024 I visited the Bank of America branch on XXXX XXXX in XXXX XXXX XXXX and spoke with XXXX XXXX and her manager, who confirmed that cash back rewards can indeed be applied to credit card balances. They assured me that this is a common practice. We filed another complaint to resolve the issue, and a representative promised to fax a statement confirming the resolution. However, after two days and multiple calls, I have yet to receive that fax. 
On a subsequent visit to the XXXX XXXX branch on XX/XX/2024, I spoke with XXXX XXXX from the XXXX XXXX, who acknowledged the unfairness of the situation but indicated that they would not change their stance, even though they had received the full payment from me and I owe nothing to bank of America. 
I am happy to seek legal action and have already started the process. Looking forward to more conversations and this being resolved timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Debt Validation letter to AFNI Inc for two unverified collections that are on my Credit Report that I do not recognize as being accounts I opened. One for {$1600.00} and the other for {$270.00} on XX/XX/19 and it was delivered XX/XX/19 I never got one response from them in regards to these accounts. It is now XX/XX/19 well past the 30 days requested on the original letter that I sent to them and still have not heard anything from AFNI Inc . I have also sent a letter requesting that these accounts be removed from my Credit Report due to no response nor Validation of these debts and they still appear on my Credit Report. I am now filing a complaint with you guys on this Agency because I can't seem to get any type of response from the company themselves.
Product: Debt collection

I contacted the company directly, the company validated that the debt was not mine. The company then stated that if I could confirm that the debt was negatively affecting my credit that the would remove the debt, this statement was made over 60 days ago and the debt is still on my credit report affecting it negatively
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). After that, on XX/XX/XXXX, Explore Credit debited {$330.00} my bank account. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  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 XXXX, XXXX, AND XXXX t

o 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. 

XXXX XXXX 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: Mortgage

The trustee sale is in ten days, on XX/XX/XXXX. I was waiting on a response from the lender, but I have no doubt they're avoiding to respond to my requests. I asked for postponement of the trustee sale, but was told that XXXX refuses to look into it until closer to the auction date. 
I tried working out a loan modification, but my lender XXXX never reached out to me with any papers or forms to fill out. They never called me back. I offered to pay half of my mortgage every month, but they refused to accept any payments unless it is the total monthly amount for the mortgage. They falsely accused me of being co-owner of the company I was working for because of my job description. They assumed key account manager, meant part owner of the business. I explained over and over again that I had just come into the country in 2020 and was still working on building a US credit score. I sent them my W2 and tax returns, but they kept harassing my employer with questions until he had enough and didn't renew my work contract. 
I couldn't afford an attorney to move forward with my case. I'm absolutely terrified for my fur babies and I. I'm all alone in the US. All of my family and friends are overseas in XXXX.
Product: Credit reporting or other personal consumer reports

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX Facts : XXXX is aware and has proof in the attachment labeled as Exhibit XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX XXXX Account # XXXX, XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

XXXX. I never received written notice of the debt claimed against me nor my wife prior to the landlord reported it to the collection agency. 
XXXX. Never received notice of the debt claimed against me nor my wife by the collections agency prior to them reporting it to XXXX ; XXXX. The debt amount claimed is false, and fully in dispute because they are based on alleged contract damages, which are not available to the landlord. 
XXXX. The landlord failed to properly itemize and account for my security deposit, and as a matter of law XXXX XXXX. XXXX. code XXXX XXXX the landlord is now prohibited/barred from bringing suit or claiming any damages against me. 
XXXX. The Landlord actually owes me {$150.00}, instead of I owing them anything.
Product: Checking or savings account

On XX/XX/XXXX XXXX I received a phone call that I thought was from Peoples United Bank and they told me I had fraudulent activity showing for my debit card which they could stop before it was posted.I then gave account number and online username then codes that were sent to me.Then was scammed out of {$1500.00} within 5 to 10 minutes.I contacted Peoples and put in a claim they responded back to me on XX/XX/XXXX saying that Iwould not get the funds back because I gave out information.I then called and asked for corporate to get back to me and never heard from corporate on XX/XX/XXXX they mailed another letter to me saying that do to the fact that I gave a third party account information they were not responsible for the money.I then called customer service and asked for someone to return my phone call and the called on Wednesday XX/XX/XXXX and said there was nothing else they can do.I believed it was Peoples Bank on the phone and thats why I gave information upon speaking to them after this they always ask for my account number and online username.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are fraudulent on my account XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX DPT EDXXXX is fraudulent on my credit Account # XXXX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries XXXX5 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: Mortgage

I purchased a home through XXXX XXXX with my loan payment, taxes and insurance totaling $ XXXX/month. They sold the loan to PennyMac who a year later raised my rate t0 {$730.00}. The only explanation I received for the increase was " Escrow Analysis ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an Inquiry on my Credit report that should not be there from a company called Exeter Finance XXXX  that should not be on my credit report. My name is XXXX XXXX XXXX. The person the inquiry is for is someone named XXXX XXXX XXXX!!! I would like this Inquiry removed as soon as possible please! Thank You
Product: Money transfer, virtual currency, or money service

On XXXX XXXX. I was contacted from XXXX, they said they were part of Chase fraud team and i needed to transfer my funds to a different account. They would help me to do this. They gained access to my account and fooled me into transfering my money. I went to the bank and I have had no success on recovering my funds. It dosent seem like anyone is on the side of the person who got scammed