23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I bank with US Bank, and I have been a good customer for several years. On XX/XX/year> I took a cash advance of {$2000.00} on that day I was charged a cash advance fee of {$100.00} on my XXXX card. There was a balance on the card of {$3700.00}. On XX/XX/year> I was charged an interest fee of {$40.00} as well as {$82.00} on the same date. On XX/XX/year> XXXX I made XXXX payments of {$130.00}. On XX/XX/year> I made a payment of {$500.00} and on XX/XX/year> I made another payment of {$500.00} as well as a payment for {$1000.00} to pay off my cash advance. 
Instead of applying the {$2200.00} toward my cash advance. The bank then applied the payments toward my outstanding balance, and now they are charging me a 29.99 % daily on the balance I had before I made the cash advance. I intended for the payments to pay off my cash advance instead they are now saying I have to pay the balance on my credit card to stop the interest from accruing daily. 

I believe this is XXXX
Product: Credit reporting or other personal consumer reports

Based on the provided credit report information from XXXX, Experian, and XXXX for the XXXX XXXX Bank account, here are the inconsistencies and inaccuracies in the data between each credit bureau Account Type - Detail : XXXX and XXXX report " Revolving account, '' while Experian reports " Credit Card '' as the account type detail. This is an inconsistency in the account type detail. 
Bureau Code : XXXX and Experian report " Individual account, '' while XXXX reports " Individual Account '' as the bureau code. This inconsistency is minor but still exists. 
Monthly Payment : XXXX reports a monthly payment of " {$0.00}, '' while Experian and XXXX do not provide this information. The inconsistency is that XXXX has a specific monthly payment amount, while the other two bureaus do not report any monthly payment. 
No. of Months ( terms ) : Experian reports " Revolving '' under this field, while XXXX and XXXX do not provide any information. This inconsistency is that Experian specifies the term as " Revolving, '' while the others do not have this data. 
High Credit : XXXX reports a " High Credit '' of " {$640.00}, '' while Experian and XXXX do not provide this information. The inconsistency is that XXXX reports a specific high credit amount, while the other two bureaus do not report it. 
Payment Status : XXXX reports " Charged off as bad debt, '' Experian reports " Charge-off, '' and XXXX reports XXXX CO '' ( which also signifies a charge-off ). While they all indicate a charge-off, the wording and abbreviation used are different. 
Last Reported : XXXX reports the last reported date as " XX/XX/2023, '' Experian as " XX/XX/2023, '' and XXXX as " XX/XX/2023. '' There is a discrepancy in the last reported date among the XXXX credit bureaus. 
Date Last Active : XXXX and XXXX report " XX/XX/2023, '' while Experian reports " XX/XX/2023 '' as the date last active. This is a significant discrepancy in the reported date last active. 
Two-Year Payment History : XXXX, Experian, and XXXX provide different information about the payment history for the past two years. Each bureau has its own set of months and year-specific data. This inconsistency is due to differences in how each bureau reports this history.
Product: Credit reporting or other personal consumer reports

I am reaching out to you regarding the compromise of my social security number. I have been a victim of Identity Theft. I have already contacted the Federal Trade Commission and filed a complaintXXXX, and I have also reached out to the police department and obtained a police report. I kindly request that you block and eliminate any information related to my credit report, and provide me with an updated version of it. The following items are not mine and are the result of unauthorized XXXX : XXXX. The following account is not mine XXXX - CARD SERVICE Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 


According to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which states that these accounts must be removed within XXXX Business Days of receipt, I request that you block and eliminate all information resulting from Identity Theft. Thank you
Product: Credit card or prepaid card

I used Experian to freeze my credit report due to a issue with someone requesting a card in my name. I also froze my account with the other 2 credit bureaus.

I did not request or sign up for any additional services, but to the best of my ability followed directions to freeze my report. I did not give them a credit card number. I did give them my phone number from which I guess they retrieved, without my permission of knowledge one of my credit cards that was registered for XXXX. the charges to my XXXX XXXX referenced XXXX. The first charge appeard on XX/XX/XXXX and continued monthly till XX/XX/XXXX. When I discovered the charges, for which I had no memory of agreeing to or signing up for, I called as was ( after a lengthy call tree wait ) that they would do me a favor and refund the current month amount and cancel my membership. They would not refund prior months and told me to dispute them on the XXXX  site, which I did today. 
Clearly Experian is taking advantage of people requesting to freeze their account by using the word lock to charge for a subscription. They are disreputable and dishonest. Please investigate their website for their trapping people into their subscription service. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keep allowing the closed account to be reported on my credit file. This student loan is closed and expertise has the dates wrong on the account and its been a old debt since XXXX and experience is falsely reporting it has being late in XXXX when its been in debt since in XXXX. The 7 year grace period has pass.
Product: Credit card

Purchased a product with 24 months deferred interest. Figured out automatic payments to pay off it 23 months. Did not pay off in 23 months and was not notified of that fact. Charged all of the interest previously accrued at 25 %. Called to see if they would forgive remaining interest and they declined. I should have been notified that date was approaching so full payment could be made.
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. 



XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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 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

I am getting frequent harassing phone calls from a company called NAVIENT., I do not know this company nor ever did business with them, nor do they have any reason to contact me for any other reason. I keep getting harassing phone calls from them to call them back, and that I was an alternate contact for them about an outstanding student loan that is delinquent. I did some research and there a federal Student Loan Management company for the US Department of Education and companies and Debt collectors for  delinquent student loans and other financial services. 

NAVIENT Address : XXXX XXXX XXXX, XXXX XXXX XXXX, DE  XXXX XXXXXXXX XXXX   XXXX XXXX They keep calling me and harrassing me, to call them back and leaving messages about a delinquent student loan. I never had a student loan nor did I ever cosign for one. I never been to college and no collage can say that I owe them any money or any other education company or any other company for a matter of fact. They are a very shady company buying debt loans and adding Thousands on top of the outstanding balance and then harassing people to pay them for money that they just added on top of another dept. Their website says that their not associated with any other USA company. So why are they in operations in the USA? based in XXXX XXXX XXXX XXXX USA. Another shady foreign owned company allowed to operate in the USA under protection of other sub companies like their shareholder company : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX KY, XXXX XXXX I never took a student loan from any company private or Government runned, I do not owe anyone any money at all for anything. This should make an interesting infestation that dept companies are allowed to add unpayable dept on top of another outstanding dept, that the borrower can not even pay off, and then sending them 100 's  of collection mailings and harassing phone calls, and contacting people who do not even know about the outstanding loan or dept that there trying to collect on. Targeting innocent unaware people for money by harassment and threats about repossessing their property when they have nothing to do with the dept, loan outstanding or their company in any way. Or Just because one family member with the same name or different name took out a loan and the other did not know nor ever co signed for it, and do not even live together, or have anything to do with their business they go after family members for the collection of the outstand dept that the person owes. 

Sounds like a mob operation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$180.00} XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX  XXXX : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$130.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX  ( Original XXXX : XXXX XXXX XXXX ) XXXX : {$52.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$3400.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$110.00} INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX HXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Mortgage

My mortgage was switched from XXXX XXXX to XXXXt Mortgage. In the month of XX/XX/XXXX, Shellpoint debited my checking account in the amount of {$XXXX} first on XX/XX/XXXX then again on XX/XX/XXXX. After discovering the issue, I called on XX/XX/XXXX to let them know they debited my account twice for my XXXX mortgage payment. They said it was a known issue and that they were fixing it and I should see the money back in my account by the end of the day. XXXX XX/XX/XXXX, the money was still not back in my account. I called again and they told me they were looking into it and working on it. I called again XXXX XX/XX/XXXX, and they told me to wait until the end of the week. I am extremely frustrated by this as I have other bills to pay and expenses. Almost {$XXXX} has been taken from me and I am not confident I am getting it back. The switch to this mortgage company has been a nightmare and not of my choosing.
Product: Credit card or prepaid card

DISCOVERCARD IS ALLOWING   XXXX   TO BLOCK  DISCOVER APPLICATION ELECTRONICALLY AND BOTH ARE VIOLATING SEVERAL CONSUMER LAWS, LIKE THE : DODD-FRANK ACT.
Product: Credit reporting or other personal consumer reports

Experian Report ID # XXXX I contacted Experian in XX/XX/2023 and XX/XX/2023 to dispute the items directly online. Some of the items are unable to be disputed online. 

XX/XX/2023 : I contacted Experian via USPS mail requesting to dispute and update my name, address and social security number. I provided a copy of my state id and social security card. The following information below : Name ID # : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Address ID # : XXXX, XXXX, XXXX. 

In XX/XX/2023 : I disputed an account in collections as it is not mine and belongs to someone with a similar name. I provided Experian with the proof of my identity, as well as the insufficient verification documents provided by the collection agency. The collection Agency did not verify the account ownership. They sent me a copy of the credit card statement, which does not prove ownership. Therefore, Experian should be required to delete the account. 

In XX/XX/2023 I provided Experian with a copy of my social security to confirm my identity and delete the XXXX social security numbers currently listed on my credit report. What is currently listed belongs to my XXXXXXXX XXXX children. 

I have attached a copy of my social security card, my state identification, a copy of my experian credit report with the incorrect information and a copy of the verification documents I received after disputing the account in collections directly with the current servicer.
Product: Credit card or prepaid card

I am the primary card holder on a my BJ 's Credit card formerly issued by Comenity bank but now Bread Financial. My spouse is secondary owner and his credit card expired in XXXX. I've been trying to get a new card for him since XXXX with no success. 

Initially my spouse submitted his request on the credit card website to which they said it would take 7-10 days to get to, unacceptable considering the urgency of the situation. 

Then I called the company directly on XX/XX/22 spoke with XXXX who informed that the case is currently being worked on per the website submission. She provided a case id # XXXX and name of case manager XXXX XXXX. 

Meanwhile had received a call that was traced as coming from Bread Financial, no message left. When I returned the call after determining it was Bread Financial I was told there was no record of any calls coming from them. 

On XX/XX/22 called again, this time spoke with XXXX and requested escalation to which I spoke with XXXX in escalations. He informed that we would have a card in XXXX hrs. Never received. I asked him for a confirmation # for call and he said there was none. 

I called again on XX/XX/22 and escalated to XXXX again and he informed he submitted the request and it would be received on Saturday. He assured that the card was sent out on XX/XX/22. 

My mail has already been delivered for today and yet to received the card. Called again today and spoke with XXXX in escalations who informed a new card has been ordered and should be received on Tuesday. He provided a conf # XXXX 

I had no complaints when my card was with Comenity, but this new transition to Bread Financial is horrible. This situation is overly complexing my spouse life as he uses that card quite regularly as a business man.
Product: Checking or savings account

XXXX XXXX, XXXX, my account was hit with a {$57.00} charge from XXXX. The day prior I had taken out the remaining funds in my account because XXXX did n't reassure me that this issue of my account being compromised would be resolved. I just got my direct deposit from my bank in my account. The account was at a {$0.00}. When this charge got charged to my account it made my account - {$57.00}. They assured me that I would get the funds back so that I can use the funds myself. XXXX XXXX, XXXX, I got credits put on my account but did n't get the {$57.00} back the way they stated I was going to get it. I called XXXX and they proceeded to give me the runaround and even taken it step further and called XXXX Corporate Office to get the funds back to me so that I can utilize it.
Product: Checking or savings account

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Mortgage

PHH Mortgage is refusing to release a check to my contractor for repairs made due to water damage to my home. My insurance company issued the check after their review of the damages and the costs of the repairs. PHH continually shuffles me around to different people who all tell me they want some form ( adjusters worksheet ) which I have been assured by representatives from both my contractor ( XXXX ) and my insurance company ( XXXX XXXX ). This has gone on for the past few months. I can not understand why they are withholding the check from my contractor nor will they say anything other than they must have this form which I am sure has been sent to them at least XXXX times. There is clearly a practice wherein PHH stalls in that they do not return call nor make promised return calls after they " follow up '' I have to believe that PHH would like to get rid of my loan since I have a very favorable 2.5 % fixed rate XXXX  year loan. I am an XXXX XXXX XXXX veteran and suffer from XXXX and this situation is causing me great stress and sleepless nights. I fear I will have to try and find an attorney an expense that I can not afford since according to my local bar association this is not a case wherein an attorney will take the case on a contingency. Further PHH tries to intimidate me by every call being answered a notification that it is an attempt to collect a debt. Since they are the ones who are holding the money it seems more than disingenuous on their part. I do believe other seniors and veterans should be warned not to become involved with PHH. 
Lastly I have never been late in making a payment to them for as long as they have held my morgage.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act auto financing companies, 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.
Product: Checking or savings account

On XX/XX/XXXX I had woke up to see that my account had been withdrawn from without my consent. I woke up looked at my phone it had showed a withdrawal for {$80.00} at XXXX. I immediately call Chime to inform them of the withdraw so they took my statement and in XXXX  days I got a response that said that they found no wrong doin. I submitted a claim XXXX more times back to back and each claim there was a quick response of we found no wrong down
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  : Account Number : XXXX : Balance : {$5300.00} Account Name : XXXX XXXX Account Number : XXXX : Balance : {$3700.00} Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2400.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/2024 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 XXXXXX/XX/XXXX 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

This debt again was charged off XX/XX/2012 I would like to please have this debt collection agency stop reporting this old debt on my credit report. 

I am a single Mom and trying to put a roof over my daughter 's head no will rent to me with this on my credit, we are still homeless trying to move forward. All I can do is keep reaching out to your firm for assistance with these debt collectors.
Product: Student loan

I am the recipient of XXXX XXXX XXXX XXXX. And request XXXX to make payment to Mohela on my behalf. 

I requested that a check for {$3800.00} be sent from XXXX in early XXXX to pay off my loans. According to XXXX, the request status is " Accepted by the Institution, '' and a Check Trace Inquiry ( XX/XX/year> ) indicates the check has been reconciled on XX/XX/year>. However, this payment is not reflected in my loan payment history. 

XXXX : Check Trace [ Incident : XXXX ] Payee ID : XXXX Check Number : XXXX Status : Reconciled Payee Information : DEPARTMENT OF EDUCATION - MOHELA MOHELA - DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX MO Original Issue Amount : {$3800.00}
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

SOUTHWEST CREDIT SYS XXXX Balance {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested LendingTree to match me with lenders. This should be done based on my credit profile, instead my credit report was shot gunned which resulted in numerous inquiries. I did not authorize any of this.