23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have a judgement on my XXXX and equifax account and I have stayed with my parents since 2010.
Product: Payday loan, title loan, or personal loan

I received a 0 % interested loan through XXXX. However, my loan is serviced by a company called Monterey Financial. 

When paying the loan off early, XXXX customer portal double-charged my payment. Ive been trying to get the overpayment back for a week, but since Monterey is the servicing the account, I have to go through them and theyre dragging their feet saying it could take almost two weeks to get a refund, which makes no sense when they were instantly able to take my money. Theyve been very misleading. This has caused overages with my bank because money needed for other automatically withdrawn bills could not go through.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX XXXX : XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX XXXX, Reported balance {$270.00}, this account is not mines. 

The 18 inquiries are not mines. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 All Banks  XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/2020 All Banks XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX. 


This company has not sent me any notification of debt. By FTC Law I  have to be notified of debt and given 30 days to dispute. This company has broken law and this account needs to be deleted ASAP. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX, I settled with XXXX XXXX on my new house. My first mortgage payment was due XXXX XXXX. My Mortgage loan was transferred to Freedom Mortgage and has been a horrible experience. My first payment was made via check and cashed/cleared my account by Freedom XXXX XXXX XXXX. I attempted to make my second payment XXXX XXXX via internet but system problems so I telephoned it in that payment and was advised there system was done. Hours later I logged into Freedom website and saw to pending mortgage payment. Immediately, I called them. I was advised the payments could not be stopped but that once they received both payments, the other erroneous payment could be refunded. After weeks of Freedom not taking, not even one payment, I started calling. After three days, I spoke with a supervisor whom advised, my XXXX payment was cancelled out by someone but could n't explain why, and he said it appeared as if my XXXX XXXX payment was being refunded to me and that I would need to remake my XXXX XXXX payment. This sounded ridiculous. By now my account was reflect I owed XXXX XXXX, XXXX XXXX and since it was getting close to XXXX XXXX. Freedom opened and investigation to look into my account. They even reported this to non-sense on my CREDIT REPORT WHICH HAS NOT BEEN CORRECTED YET AND SHOULD BE DELETED. I had to provide a copy of the cancelled check showing I made my XXXX XXXX payment because they could not locate the check and said they could not find the funds. They stated the funds should have been applied back to my bank account, FALSE. I had to provide bank statements to proof this. I sent a letter advising I would seek legal action if my account and credit report was not corrected. I am still waiting for verification this has been deleted on my credit report as I want to retain my same credit score. How can a company with a pending investigation report an unresolved matter to your credit? They currently have me owing a late fee for XXXX XXXX. I called in on the XXXX and made this payment, my payment is not considered until after XXXX. They are saying it was not received until the XXXX. I am now requesting a letter from Freedom Mortgage stating that they have deleted this from my credit. I was informed it was made current, NO this is not sufficient. It needs to be deleted. I had excellent credit with an impeccable credit score.
Product: Debt collection

I Contacted XXXX and tell them that this was not my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I write to demand that XXXX XXXX  investigate and respond to every complaint that I may make to the CFPB as filing false, misleading, inaccurate responses especially those to close XXXX XXXX investigations through concealment us a very serious matter much worse than willful FCRA violations. I complained to the CFPB that XXXX XXXX  was in willful violation of the FCRA by refusing to promptly report my 2 accounts as closed. Subsequently, based on newly discovered data about XXXX XXXX  reporting my 2 accounts as OPEN to Equifax on XX/XX/2023, I filed another good faith complaint with the CFPB due to remedy the Facially False Data from continuing to appear. To avoid responding to my new complaint with pertinent information, XXXX XXXX  summarily closed my second complaint XXXX XXXX to avoid response, to conceal the facts or avoid investigation. On XX/XX/2023, XXXX XXXX  mailed me the attached letter stating that it reported my accounts as closed. However, that is false as it reported my accounts to Equifax as XXXX on XX/XX/2023. The truth matters!!!
Product: Credit card or prepaid card

I booked a flight through Chase travel. The flight was on XXXX XXXX XXXX, and the airline subsequently cancelled the flights due to Covid. Chase travel offered me a refund option, which I took. On XX/XX/XXXX I received a note saying that they will refund me the money in 1-2 billing cycles. However, the money never came. I called to inquier about this on XX/XX/XXXX, and they said that they will " review the information ''. On XX/XX/XXXX I called again, and received the same response. They also falsely told me that the airline had already 'refunded the money '. Instead of the refund they offered me " XXXX chase travel rewards points '' to compensate me for the issues I was having. The bonus points also never arrived!.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USDT and XXXX ETH from my Coinbase account to fraudulent investment firm ( s ).
Product: Student loan

- I never sing any agreement with XXXX XXXX with a fake loan about {$45000.00} - I was approved for foebarence with XXXX until XX/XX/XXXX - My loan was about {$52000.00} since XX/XX/XXXX and I was paying about {$340.00} a month. - -- - My loan went down about {$40.00}, 000 in XX/XX/XXXX when I was aproved for foebarence with XXXX. 
- I was qualify for Obama Loan forgiveness after of more then 10 years of payment when I was working for XXXXhe City : XXXX XXXX XXXXXXXX XXXX XXXX however XXXX refuse it. I never have a payment plan when I will make the last payment of my loan. 
- I completed my Bankruptcy chapter XXXX - discharged Ref # : XXXX - Court : S BKPT CT XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit reports Bank of America that is outdated it is from 2012. I tried disputing it online with XXXX and after all the information it said submission failed the same with XXXX. This information is outdated and should be deleted off my credit reports.
Product: Credit card or prepaid card

Ive called Comenity Bank multiple times ( at least 4 ) since I signed for a card with Ulta. When I called I asked to change my payment date as I noticed I was getting charged a late fee every month as the bill is for the XXXX. I usually pay the bill on the XXXX. Because my bill is paperless I wasnt aware I was accruing late fees. When I realized it I called. XX/XX/XXXX was the first time I realized I was being charged a late fee. At that point I had been charged on XX/XX/XXXX & XX/XX/XXXX. In XX/XX/XXXX Comenity Bank removed the late fee for XX/XX/XXXX. I asked to change the date of the payment. I was informed I needed to call back closer to the middle of the month. Life is busy and a few months would go by and Id remember and call again only to be told the same thing, call back. The card has a credit limit of {$700.00}. Theyve charged me {$310.00} in late fees since XX/XX/XXXX with the excuse of having an old system and being unable to change my payment date at the time of my phone call. Ive called 4 times maybe more trying to get my date changed. I have been unsuccessful which has increased my interest and late fees because Comenity Bank continues to use the excuse of their system being unable to change the date when I call to continue with their deceptive and bad business practices.This causes unnecessary and unfair, and unaffordable late fees every month, which raises the interest rate monthly, and raise the interest rate overall because Im late due to their inability to change the date when I call.
Product: Credit reporting or other personal consumer reports

Im issuing a Notice of Impending Litigation. Ill attach the official document to the attachments along with supporting documentation. Ill also be sending the Notice of Impending Litigation to the registered agent listed for Experian through the Secretary of State and a copy to the Federal Trade Commission as a formal complaint thatll be used as evidence pending litigation if this agency fails to comply with this offer of settlement.
Product: Checking or savings account

On XX/XX/year>, Chase closed my account & my fund are still being held. Originally my funds were being held because Chase needed to verify that the payee of the funds, XXXX XXXX, approved for the funds to be deposited into my account. After they verified XXXX on XX/XX/year>, I was told that it would take XXXX business days for my funds to be released & another XXXX business days for me to receive my check. My XXXX, also received a letter in the mail stating that a check would be mailed out in XX/XX/year>. On XX/XX/year> I learned that my case was closed & had to be reopened because there was an additional investigation being completed aside from the first one that was completed on XX/XX/year>. On XX/XX/year> I was told that the release of my funds was denied & there would be an additional investigation, so a third investigation. I was not told why or how long it would take for this investigation to be completed. XXXX are currently going through a financial XXXX due to Chase still holding out funds after the deposit was verified by XXXX. Chase has held my funds for over a month now & I still have no idea when or if I will receive them. This will be my third complaint & no resolution. I have been XXXX  due to the XXXX this entire ordeal has caused me. I have bills that are past due, that I have been trying to postpone waiting on Chase to receive my funds.
Product: Mortgage

After switching over from Ditech to Shellpoint I thought that everything would be better. I was wrong. I tried to tell them that Ditech was wrong about the months I was behind. They didnt try to sort out the problem. To make a long story short they dont offer modification. Which is sad because just about everybody has struggled during the pandemic and payments should be brought current to help everybody out.
Product: Debt collection

I was made aware recently of my information was a part of the XXXX XXXX XXXX and since then I have had over 10 Fraudulent accounts appear on my credit report. I have 3 reports still showing on my credit report dispute my attempts to dispute the items myself. The following derogatory account was not opened by me and is reporting inaccurate information on my credit report. This account is having a significant impact on my financial wellbeing and should be removed from my credit report immediately. 

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

I trust this message thinks that you are well. I'm writing to communicate my XXXX  and present a objection to EXPERIAN with respect to the inappropriate utilization of my credit report and the revealing of wrong data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. Regardless of your affirmation of directing a legitimate examination, after exploring my credit report, I found that incorrect data continues. The errors incorporate yet are not restricted to, the date opened, date of last action, date announced, account status, and installment history. Despite the initial request for an investigation, such inaccuracies continue to appear on my credit report, which is disheartening. I trust what is going on encroaches upon my privileges as illustrated in 15 U.S.C 1681 segment 602 A, which stresses my right to protection. Moreover, 15 U.S.C 1681 segment 604 A Part 2 specifies that a shopper detailing office can't outfit a record without my composed guidelines. I generously demand a careful survey of my case and the brief adjustment of the mistakes in my credit report. Your collaboration in settling this matter is profoundly valued. That's what I believe, as a legitimate credit detailing office, EXPERIAN will do whatever it takes to redress what is going on and guarantee the exactness of the data in my credit document. In support of this complaint, I have attached an FTC report with the number XXXX.
Product: Debt collection

Im writing to report abuse of power this company has called and threatened me about amounts that I do no owe this company. They have called my family members and call me names very rude company, I have never signed any form of contract with this company at this point its harassment which I will be seeking compensation for if the harassment doesnt stop. I want this account removed immediately from my credit report. According to law 605 ( b ) fcra states it is illegal to report information on my credit report without my permission. As well as pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF T MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this deb is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft also DID NOT consent to you reporting information in my name to the consumer
Product: Debt collection

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/year>, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a XXXX  job, I find myself unable to advance any further. As XXXX of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling XXXX XXXX XXXX with a full-time job has added the role of a full-time XXXX  XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.
Product: Credit card or prepaid card

I called Chase and request a copy of the charge slip I signed because I want to go to local police and file a complaint against a business. 

They would not send it to me.
Product: Money transfer, virtual currency, or money service

InXX/XX/XXXX, a transaction in the amount of {$100.00} was processed to my credit card without authorization - from Coinbase.com. Coinbase had my credit card information on file from purchases of bitcoin made inXX/XX/XXXX, but as evidenced from security logs showing logins to my account, I clearly had not authorized this purchase. Furthermore, the bitcoins that were purchased for {$100.00} were soon after transferred from my account to an unknown bitcoin address. 

Since I was unable to find any contact information for Coinbase, I called my credit card company ( XXXX XXXX ) onXX/XX/XXXX to let them know of the unauthorized transaction. A dispute was filed and sent to Coinbase and is currently pending. However, instead of accepting that this case may be a fraudulent transaction, Coinbase conducted another transaction from my credit card in the same amount, {$100.00} onXX/XX/XXXX. I contacted XXXX XXXX again today,XX/XX/XXXX, to dispute this new transaction. 

Coinbase 's security logs show that I did not login to my account inXX/XX/XXXX, orXX/XX/XXXX, and that I could not have possibly authorized these transactions. 

Additionally, {$60.00} in bitcoin had been sitting in my Coinbase account since my authorizedXX/XX/XXXX purchases and were transferred out of my account on the same day that the total bitcoin from the first order was removed from my account - and it was sent to the same bitcoin address. 

I believe that Coinbase has knowingly and intentionally removed funds from my credit card account without authorization twice, and transferred bitcoin from my Coinbase.com account to a private bitcoin address, likely owned by a Coinbase employee. Coinbase intentionally makes it difficult for their users to contact them and provides no way to do so through their website or phone lines. XXXX XXXX informed me that even Coinbase.com 's vendor file has no phone number attached - meaning Coinbase operates with a high level of privacy. Add to that the difficulty of tracking bitcoin transactions, and an incentivized and lowly-regulated company would have an easy time taking money from its customers. 

I appreciate your time and hope that the CFPB will investigate Coinbase.com for these two unauthorized transactions, plus the transfer of my personal bitcoin funds to an unknown bitcoin address.
Product: Debt collection

Purchased vehicle and received title once debt was paid in full. Went to get a credit report and there's a charge of {$160.00} from America 's Carmart.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2020 my credit card company militarystar labeled my account 30 days past due. I was XXXX during this time without any type of communication. I have tried to call and dispute over the phone but no request has been fulfilled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted documentation and a Dispute letter for unknown and inaccurate accounts on my credit report its over 30 Days now but I haven't received any response yet. I was a victim of Equifax data breach. Need to remove those unknown and inaccurate accounts or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I started getting some school loans to help me pay for school. They said my credit was not good enough without a co-signer at the time my credit was a XXXX the year prior and it should of still been high. I recently got a new bank account and I was looking into the app. It shows where you can see your credit and it showed a XXXX. When I looked at the personal information it showed my social security number. My twin sisters name and a mix of mine and her credit stuff mixed together. It showed her address and not mine. I called several companies such as XXXX to get the information fixed they Could not see any problem. I finally got ahold of Experian since thats who my bank chase used. They found the problem and said they are getting it fixed. This was such an inconvenience I have had to pay a couple extra thousands in interests rates because they made a mistake. They admitted to mixing up our credit stuff into mine. When I told them this they just said on that note thanks for using Experian. This mistake has cost me a lot of money, taken my chances from getting school loans and ruined my credit score for a long time. It raised me up to 80 some percent. I am now back to 33 %. Because of it being 80 some percent my score has not been able to go up much. I want to file a complaint, I want that lower score taken off my credit history completely since it shows up as my history. And I want my score to be up higher where it should. Most importantly I want to know if I can be compensated for all the inconveniences such as paying lots of money for a mistake they made and have shrugged off. They acted like it was no big deal they had mine and my sisters credits mixed on my report. This is a huge problem and a big deal. This in a way messed up my identity for however long and taken opportunities from me. What can I do for this to be made right.