23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sirs, I have recently disputed an item on my credit report, I lost the dispute. It always seems that the agency reporting has the upper hand, as we the consumer have a very limited opportunity to explain the reason of the dispute. 
In XXXX, XXXX .... ( estimated date ), I did attend XXXX University. I was receiving financial aid. I did eventually drop out with notice to XXXX. Here is the issue to the best of my knowledge, unless they can tell me more specifically about the amount owed. 
I was approximently half way through my XXXX courses to complete my XXXX. I had taken the required accounting class and was on track to pass it with a very high 3 point grade average. By the way, If I am not mistaken, I was at a 4.0 throughout my classes, or very close. Due to unforeseen circumstances, I had to drop the class with only about a week or so of completion. That said, I do believe financial aid would not have been applied for that one class. As I was able to return to classes, my next course was a marketing  class. I was going to have to repeat the accounting class at a later date. I had taken one marketing  class, then decided to drop out of that class, and pretty much give up on my XXXX, at least at that time. XXXX had the policy as you can drop after so many weeks and not be charged for that class, which should have applied for the marketing  class. 
That being said, I do believe that I should be responsible for one class, that being the accounting class. How can one class have an original value of {$7700.00}. Now valued at {$10000.00}. I find that very hard to believe as well as understand. 

I would like this resolved, as well as removed from my credit report. I do not believe there is any validity to their claim. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for an apartment complex and the screening company is reporting my charges as a XXXX XXXX when the final conviction is a XXXX to the apartment complex. I am now being denied because of the charge being filed incorrectly. I have called for 3 days and spent hours trying to talk to someone. I have sent over the final conviction notice from the courts and the company will not adjust how they are reporting the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX  XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters disputing several collection accounts on my report. 
Equifax has either NOT responded or asked for proof of ID. Other Credit bureaus have deleted the same reports, why is equifax being so stubborn and unreasonable?
Product: Debt collection

On XX/XX/2022, JP MORGAN CHASE BK DBA CHASE Auto committed aggravated identity theft by misusing the social security number provided, furnishing a deceptive contract and attempting to extort additional funds out of the consumer for JP MORGAN CHASE BK 's personal benefit. The consumer was coerced to sign a contract that fraudulently forced them to relinquish their rights and security interest. On XX/XX/2022, they illegally stole property from my place of residence, and present day, is using the property they stole to blackmail me. This came after the right of rescission was exercised on XX/XX/2022, and also resubmitted again on XX/XX/2022 via fax and certified mail. Though the deceitful contract was originally signed, it was signed at a time without proper knowledge of the correct legalese, nor was an attorney present to be of positive representation on behalf of beneficiary. JP MORGAN CHASE BKXXXX XXXX XXXX XXXX knowingly withheld imperative forms and documents which disclosed rights available to the consumer/beneficiary, that was to be furnished at the time of the contract being signed. All of which caused great anguish to the natural woman, and the company to perform unlawful embezzlement. 

Violations : 15 USC 1605 15 USC 1635 / 12 CFR Part 1026.15 18 U.S. Code 1028 18 U.S. Code 1028A
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Auto Loan with TD Bank I have tried for months to access auto payment via the website and it never worked, so I would have to call each month after attempting to pay on line and set up auto draft to make my payment. They would give multiple amounts even though it was a fixed payment, and I would pay and repeat again the next month .. I would over pay and it would confuse them even more.. I would call every month and repeat the same process .. in XX/XX/2019 I received a credit alert that my payment with TD Bank was late in XX/XX/2019 I immediately called and said this can not be as I go through a hassle every month. They said they see all their system notes but they are automated and it is what it is .. This is poor customer approach as all payments have been made and their site is not operating correctly. I am very disappointed with them and would not recommend or use because of this inaccuracy of their part XXXX each person is so difficult to talk to and never assists correctly and delivers wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$870.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$1500.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX XXXX details 0 % paid off Balance {$1100.00} Balance updated XX/XX/2023 Original balance {$1100.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Open account Status - Status updated XX/XX/2023 Payment summary Contact info Name XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX No payment history available to display. 
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Debt collection

The company is attempting to collect the debt I believe I do not owe They are furnishing information to my consumer report identified as identity theft and not relatable to any transaction made by me.
Product: Debt collection

On XXXX, XXXX  I sent out proof of verification letters to XXXX, XXXX, and XXXX, the account in question is ProCollect Inc. I have not been updated on this process even though I have disputed this account that is not mines. 

The following tracking numbers for proof of delivery for this letters are : XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX CAPITAL ONE WAS INVOLVED IN A DATA BREACH THAT CAUSED HARM TO MY LIFE. I HAVE SPENT COUNTLESS OURS AND MONEY TRYING TO REPAIR MY CREDIT SINCE THEN. I MAILED IN A REIBURSEMENT APPLICATION ALONG WITH A STATEMENT ON XX/XX/XXXX. IN WHICH THEY RECEIVED ON XXXX XXXX XXXX. I HAVE YET TO RECEIVE A RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the 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. Please resolve the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2018, Santander Consumer USA debited a payment from my account in the amount of {$740.00}. I didn't authorized this payment and in fact, I had post dated a check for one full payment to process on XX/XX/2018, because it was pay day for me. It appears that Santander Consumer USA authorized the payment one day before and as a result, I was charged bank overdraft fees and a check returned fee. 
Moreover, Santander has continuously re-tried payments to my account in the past which led to me owing additional monies to my bank due to this and it's very stressful to get the bank to refund or credit me back. 

I've been having difficulties which has caused me to fall behind on my payments and when I talk to a bank rep, they simply brush it off and proceed to ask me when or how soon can I make another payment. They have put my car up for repossession twice, refuse to extend any further extensions on the loan, declined to waived the late fees, doesn't want to refinance or restructure my loan so that the payments are lowered, which is very much needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Checking or savings account

On XX/XX/2020, I tried to open a bank account and the bank teller told me that someone else was using my social security number but didnt provide a name. I tried to buy a car and still couldnt. I want to get this solved as soon as possible. I provided documentation of my identity and the bank teller said to go to the social security office to solve thus out. However, I submitted a report and I havent had a response.
Product: Credit card or prepaid card

Someone tried to opened a account at Barclays. Application ID : XXXX, Date XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Equifax processed a credit inquiry from XXXX despite the fact that the other two CRAs marked the inquiry as obviously fraudulent. The information provided to Equifax was an accurate name, address and phone number but included a completely fraudulent 9 digit social security number, which Equifax made no effort to verify prior to processing the inquiry. On XX/XX/2019 I called Equifax and spent several hours on the phone, to let them know that the hard inquiry they had processed was fraudulent but they refused to acknowledge the fraudulence nor were they willing to remove the fraudulent hard inquiry from my credit report. This hard inquiry may have an adverse effect on my credit rating and was processed, against federal guidelines, using verifiably fraudulent information.
Product: Credit card

On XX/XX/2023, I utilized my Amex Blue Business Plus card to refer my husband, aiming to secure a referral bonus. At that juncture, the referral bonus stood at XXXX membership points. I possess video evidence wherein my husband employed my referral link during his application process, ultimately receiving approval. 

Upon verification with a representative, I was informed that the referral bonus would be credited to my account within XXXX weeks. However, as of XX/XX/2023 ( four months post the initial credit card approval ), I was informed by the representative that, following an internal investigation, no referrals were used. 

Reiterating, I have a recorded video illustrating my husband 's utilization of the referral link and subsequent approval. The motivation behind recording this evidence stems from a prior occurrence wherein a similar discrepancy arose in my account. I aim to ensure irrefutable proof of the referral usage and subsequent approval in this instance.
Product: Checking or savings account

Cashed a check for {$1400.00} on XX/XX/XXXX. I was with my daughter and we always count it. We received {$1400.00} in cash. 

I use telephone banking to verify checks that have come through. On XX/XX/XXXX, {$100.00} was taken from my account. I was not notified. I called the bank the next day and they said that we received {$1500.00} instead of {$1400.00}. I am in a wheel chair and I had to get my daughter to take me to the bank to try to straighten this out. At that time, Wells Fargo said the teller was not short? So how many people are they doing this too? I can't understand how Wells Fargo can take money from someone's account like this. 

On a letter dated XX/XX/XXXX, they said they were going to research this??? Manager : XXXX XXXX at XXXX and XXXX, XXXX, Texas. ( Attached is letter with information ) As of XX/XX/XXXX, this is still a problem. One of my daughters use to work for the XXXX. She said she can't believe that they could get away with this and wonders how many people they are doing this to. 

Something needs to be done about this. Please help me! What if I had not checked my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to have this loan deferred due to a financial hardship I am experiencing currently and I was under the impression that the loan was under a deferment however I recently checked by credit report and there are multiple 30 day lates and 60 day lates which are greatly affecting my credit score. I am worried because even after I have contacted Experian, XXXX and XXXX via letter to ask for a verification of late payments. The loan should have been in deferment during the time the credit bureaus are reporting the payments late. I feel this is unfair, unacceptable and inaccurate reporting which is affecting my credit score and will in the future affect my ability to get credit due to these bogus and unvalidated late payments. 

To date XXXX nor XXXX, Experian or XXXX  have responded to my letters sent over 60 days ago asking for a validation of these late payments and the method of verification not XXXX  used as per in compliance with the Fair Credit Reporting Act regulations, FACTA, FDCPA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted LOANDEPOT & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 days late on the account on XX/XX/21. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

LOANDEPOT XXXX
Product: Debt collection

On XX/XX/2020 I checked my XXXX credit report and noticed a collection from XXXX XXXX XXXX was placed on my credit profile for a XXXX debt of {$400.00}. I proceeded to call the company but no answer due to the weekend. I did use the automated system that then told me the alleged debt was transferred to another company Dynamic Recovery Solution. If the supposed debt was with XXXX XXXX, then why does their automated system tell me it was transferred. How can XXXX XXXX report on my credit profile something they dont own? I also did not receive any notification of the alleged debt from either company giving me 30 days to dispute the information and request verification of alleged debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once moreXXXX 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
Product: Credit reporting or other personal consumer reports

This account is reporting as a late payment on my report despite having inconsistent historical data at all. This is inaccurate reporting. It is clear and evident that this account was just plopped on my account by TransUnion. This account must be removed immediately for TransUnion is reporting it wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and XXXX complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for Donald Trump. This sort of behavior has since been termed " trump deraingement syndrome '' and this call center in Colorado must all suffer from it. Especially the XXXX who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. XXXX XXXX XXXX XXXX  should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was closed for possible fraud. The information is incorrect and prevented me from getting a job and further accounts. I was hired in with the same company in the XXXX XXXX.
Product: Checking or savings account

I RETURNED A DEFECTIVE PRODUCT TO THE MERCHANT, XXXX, AND THEY DENIED THE REFUND. THEREFORE I CONTACT CHASE BANK TO DISPUTE AND THEY PROVIDED A CREDIT ON : XX/XX/XXXX Reversal : XXXX XXXX XXXX CA XX/XX/XXXX ClaimId : XXXX ( XXXX XXXX ) ATM transaction {$610.00} THEN ON XX/XX/XXXX I CALLED CHASE TO COMPLAIN ABOUT AN UNRELATED MATTER, THEIR CD INTEREST IS SO LOW THAT I CAN NOT EVEN BUY A CUP OF COFFEE WITH XXXX XXXX XXXX XXXX XXXX. AND THE CHASE REP TOOK THE COMPLAINT PERSONALLY. THEN FIVE DAYS LATER THERE IS A REVERSAL IN THE SAME AMOUNT : XX/XX/XXXX Claim reversal : XXXX XXXX XXXX CA XX/XX/XXXX ClaimId : XXXX ( XXXX XXXX ) ATM transaction {$610.00} THEN TODAY XX/XX/XXXX AT XXXX XXXX XXXX XXXX XXXX XXXX, I CALLED CHASE TO QUERY INFORMATION AS TO WHY THERE IS A REVERSAL OF A REVERSAL CLAIM I THOUGHT WAS ALREADY RESOLVED OVER TWO MONTHS AGO.

NOW CHASE WANTS ME TO WORK WITH THE MERCHANT FOR THE REFUND THAT THE MERCHANT HAD ALREADY DENIED IN THE FIRST PLACE! THERE IS SOMETHING SUSPICIOUS ABOUT CHASE BANK 'S CERTIFICATE OF DEPOSIT WITH VERY LOW INTEREST AFTER INVESTING THOUSANDS OF DOLLARS, I.E. OVER XXXX XXXX XXXX.