23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXXXXXX XXXXXXXX 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 60 days to 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 XXXX XXXX XXXX XXXX XXXXXXXX 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requesting correction or removal of the derogatory account reporting from XXXX XXXX   XXXX time in the last couple of years. This account was paid in full under no settlement or otherwise stated. This account was never late or every a collection account. The company has corrected the information with only XXXX credit reporting agency and the derogatory information of a charge off is still being reported on my XXXX credit disclosure. Date of request were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX On my last request to dispute the company had the audacity to not only NOT correct the inaccuracy but to change the corrected CRA file to report negatively. This account was paid in full on XX/XX/XXXX therefor could not be a collection account or late or derogatory in XX/XX/XXXX or XX/XX/XXXX as reported.
Product: Credit card or prepaid card

In XXXX of XXXX I called Navy Federal about both of my accounts and how I couldn't make a payment. They informed me that my ACH account was suspended due to a fraudulent activity. I tried to rectify this situation with them and spend hours on the phone with them being transferred and told the problem was resolved and I could make payments. I was sent out to XXXX, and XXXX XXXX for training in XXXX of XXXX. I tried to make payments from a computer but couldn't make them due to my ACH payment method still being suspended. My spouse tried to call in and make payments but due to her not being on the account they ask for the account holder to call. I had to I returned to my home in the states on XX/XX/XXXX, called them to make a payment which I have already done.
Product: Credit reporting

To whom it may concern, I have contacted the following to remove inaccurate information from my credit report. On the first XXXX the debt was paid in full to XXXX XXXX XXXX, these are duplicate accounts and should be removed no monies is owed on this account. 
XXXX XXXX XXXX {$220.00} NEEDS TO BE REMOVED ACCOUNT IS PAID XXXX {$220.00}. NEEDS TO BE REMOVED ACCOUNT IS PAID The second issue is the XXXX account that on my credit report. The account is over 10 years old and has been sold, resold removed and put back onto my report. These are third party collectors that are reporting inaccurate occurrences on my credit report. Such as past 30 days past 60 days ect. XXXX XXXX accounts are the same. 
The " {$780.00} '' was removed from my report and popped back on. This account is over XXXX old. I do n't understand how THIRD PART COLLECTION Agencies are taking on the roll as a creditor. The XXXX one is XXXX XXXX XXXX it 's the same account $ XXXX+ their fees= {$2000.00} XXXX {$780.00} REMOVE FROM CREDIT OLDER THAN TEN YEARS XXXX XXXX XXXX {$2000.00} ROMOVE FROM CREDIT OLDER THAN TEN YEARS THANK YOU FOR YOUR HELP IN THIS MATTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA.. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX , XXXX XXXX inquired on XX/XX/XXXX XXXX, US SM BUS ADMIN ODA inquired on XX/XX/XXXX XXXX , XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX inquired on XX/XX/2021 ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies 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, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Money transfer, virtual currency, or money service

I used chime to pay for a business transaction the persons name is XXXX XXXX that I paid for business product the money went to someone that I do not know. When I alerted chime my claim was denied. I sent proof of the Id of the merchant as well as a police report that I filed. Then when asked for the companies legal address to file a lawsuit they told me they were not able to give me that. I have been clearly scanned and fraud has occurred. They told me the money went to someone elses name not the name of the person Of the merchant I was dealing with
Product: Credit reporting or other personal consumer reports

Recently, Ive gotten a chance to take a look at my credit report using annualcreditreport.com and other auditing and security tools, and I have become aware of multiple inaccuracies and false information on my account. These discrepancies are hurting my ability to obtain credit. Ive researched and come to the understanding that XXXX, TransUnion, and XXXX will individually investigate these accounts and provide me with verification to ensure accuracy. The accounts that need to be properly verify as accurate are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would appreciate a swift response in a timely matter, as this issue is time-sensitive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a chapter XXXX bankruptcy in 2018 which included XXXX ( formally known as XXXX XXXX XXXX XXXX XXXX. I completed the bankruptcy and it was XXXX. During court proceedings, XXXX did not appear at the meeting of the creditors to contest the filed bankruptcy and the debt was XXXX. Since the discharge of the debt, the company has changed their name and the debt has still been reporting to my credit. As of today XX/XX/XXXX, XXXX  has reported me being XXXX  days late on payments to this non existent account. This has down extensive damage to my XXXX XXXX. I am also including documentation from the bankruptcy showing that they have been XXXX
Product: Mortgage

XXXX XXXX /XXXX XXXXXXXX XXXX Shellpoint Mortgage Serving We are still filing complaints against the Shellpoint Mortgage Company that has asked for my Bank statement in the months of XX/XX/2018 XX/XX/2018 SHELLPOINT MORTGAGE AND XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX XXXXXXXX SAW ON MY XXXX XXXX XXXX PERSONAL STATEMENT OF MY SSDI DIRECT DEPOSIT. 
DEMANDING AGAINST FEDERAL STATE LAW ASKING FOR MY SSDI DEPOSIT IN THE SUM OF {>= $1,000,000} XX/XX/2018 DOLLARS PAYMENT PLAN ONLY AFTER PULLING MY BANK ACCOUNT INFORMATION XX/XX/2018, XX/XX/2018 BECAUSE OF MY SSDI APPROVAL AFTER 4 YEARS OF DENIALS. 
THIS STATEMENT FROM SHELLPOINT MORTGAGE /XXXX XXXX XXXX / XXXX XXXX XXXX XXXX ! 

CFPB HAVE THIS STATEMENT THAT IS GIVEN TO THE PUBLIC EXPLAINING THAT FEDERAL DIRECT DEPOSIT CAN NOT BE GARNISHED BY ANY BANK DUE TO THE DISABILITY I XXXX XXXX XXXX LIVE WITH FOR THE REST OF MY LIFE. 

AGAIN THE MORTGAGE COMPANIES HANDLING OUR ACCOUNT XXXX HAVE COMMITTED FRAUD DUE TO AND AGAINST ME I AM DISABLE TO TAKE AWAY MY HOME WITH MY FAMILY MAKING US HOMELESS ON PURPOSE. 

WE SHOULD NOT LOSE OUR HOME JUST TO STEAL MY SSDI DIRECT DEPOSIT. 

WE NEVER WANTED TO LOSE OUR HOME BECAUSE I RECEIVED MY SSDI AND THE BANKS FOR OUR MORTGAGE WANTS TO STEAL MY SSDI. 
JUST TO KEEPING OUR HOME.
Product: Credit reporting or other personal consumer reports

Experian has a charge in the amount of XXXX open secure credit limit from XXXX XXXX without my knowledge on my credit report with a fraud account number. That is not my account My information was stolen from the app XXXX XXXX XXXX, by the app in the app on XXXXas it was installed on my phone. XXXX XXXX  is not to be trusted they will steal money from your checking account if you link it with their app, Dont. They steal your information as you apply for their credit offers and sell your information for others to use as identity theft. As they have done me!
Product: Credit reporting or other personal consumer reports

I tried to get my credit report from XXXX, Experian but Im having trouble getting into my account and creating one on XX/XX/2024. 
I tried to open a checking account on XX/XX/2024 and they told me that there are multiple consumers associated with my social.
Product: Credit reporting or other personal consumer reports

Received pre approved credit card application for XXXX XXXX  from XXXX XXXX. Cancelled application with XXXX XXXX. Should have had a Soft inquiry, however XXXX showed a Hard Request at Transunion. I want the Hard Inquiry removed. XXXX XXXX was unwilling to initiate the request to remove the Hard Inquiry. I have a freeze on my credit. XXXX XXXX was very hard to work with. It took 4 phone calls to cancel application.
Product: Checking or savings account

I have a checking account with PNC tied to a HELOC. I forgot my password for my online account. When I tried to reset the password online, the website would not allow me to do so, I had to call the PNC XXXX XXXX. I spent XXXX XXXX  on the phone with the PNC XXXX XXXX. Despite numerous attempts, they were unable to help me reset the password, the system would not unlock the account such that I could do so. They said the only way to reset the password was for them to mail me a new password, which I could use to access the account, and then set a new password. 

I waited XXXX weeks before finally receiving a letter with a temporary password. The online login is also rejecting that password. It's been weeks since I've been able to access my funds via online banking. The only way I can conduct transactions is via phone or walking into a branch, which is unacceptable.
Product: Student loan

My balances keep increasing and I am on a IBR. I have yet to obtain employment in the field of study, and it is impossible for me to pay back those loans. They continue to raise my balance and it has affected my credit score severely! I am preparing to apply for another IBR, and I do not want my balances to continue increasing. I just can not afford it, I do n't know what to do. I can not afford to pay these loans.
Product: Mortgage

In XXXXXXXX XXXX XXXX, I completed an application and paid PHH {$100.00} to remove my PMI from my mortgage with PHH Mortgage. As part of the process, I had to also pay for an appraisal of my home to determine the value and if I was eligible to have my PMI removed. After not hearing results from PHH Mortgage I find out my mortgage was being transferred to XXXXXXXX XXXX. I assumed this process was going to be transferred as part of the transition. I continued to wait and called XXXXXXXX XXXX in XXXX XXXX XXXX asking about the PMI removal. I was informed by XXXXXXXX XXXX customer service that it was not transferred to my new account and that I would need to start the process over again, including paying for another appraisal. I am seeing reimbursement of my {$100.00} as well as the cost of having my home appraised from PHH due to the company failing to complete the process prior to selling my loan.
Product: Credit reporting or other personal consumer reports

Name : ( XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), XX/XX/XXXX A false fraudulent business credit card is listed on my personal credit report. 
This CFPB complaint has been filed to request pursuant to FCRA XXXX XXXX XXXX XXXX XXXXXXXX ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Business credit card account opened at XXXX XXXX on XXXX, XXXX under the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries EQUIFAX MORTGAGE SERVICES in question and a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX PLEAE DO NOT ALLOW TD BANK TO CLOSE THIS AFTER 1 DAY FALSELY CLAIMING THIS AS A DUPLICATE COMPLAINT. THE DISPUTE IS VALID AND THEY ARE BREAKING THE LAW BY REFUSING TO INVESTIGATE AND REMOVE THIS FRUAD ACCOUNT. 


TD Bank issued credit to third party for XXXX, unknown to me, without my knowledge or consent. I have lived and worked in XXXX since XXXX and before that I was working and living in XXXX. This account appeared on my credit during a routine security clearance check in XXXX, of XXXX. I disputed this with TD Bank, and provided proof that I am in XXXX now, since XXXX, and in XXXX before that. 

TD did not investigate at all. They again reposted this on my credit profile, knowing it is a fraud account again in XX/XX/XXXX! 

This is, and never was my account. I can lose my security clearance and my job due to TD Bank 's multiple error 's and continued false reporting of an account that I do not have with them.. 

I am again sending you my IDs showing where I am and have been since XXXX. 

Please santion TD Bank for posting slanderous details about me, that are for an account that ism and never was my account. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an account with Citibank on XX/XX/2024, a checking account, I initially funded the account with {$6000.00} over the next couple of weeks. On XX/XX/2024, I sent, via a wire transfer, the sum of {$320000.00} from my account with XXXX XXXX. The account at XXXX XXXX was in my name alone and those funds were part of a larger transfer from XXXX XXXX and the sale of certain stocks. 

On XX/XX/XXXX, I attempted a wire transfer of {$50000.00} to a bank in XXXX XXXX, with whom I had an account in my name only and with whom I had done multiple prior transactions. The wire transfer was done online in accordance with online directions of Citibank. And I had verified that Citibank had received my wired funds. 

On XX/XX/XXXX, Citibank cancelled the wire transfer and placed a hold on my entire account of {$330000.00}. I have made numerous contacts with Citibank, including multiple phone calls and personal visits to Citibank branches. I have been told that when I get my ATM card, the matter will be resolved. I have been told that check is in the mail and then, later I was told that the check is not in the mail, and it may take 60 to 90 days before the funds will be released. I have received letters that say that all I need to do is " verify recent activity '' and " confirm that all recent activity has been authorized, and we can only do this by speaking with you directly ''. The letter further states the " We have placed your account in a restricted status ... until we speak with you. '' As indicated, I have called multiple times and they do not know what to ask or what information they need. I have attempted to provide as much information as possible. They can not or refuse to tell me why my account is blocked and keep referring to the " Back Office ''. But they will allow me to speak to anyone in the " back office ''. 

They now have a hold on my funds for almost three weeks with no explanation, even though, in writing they say to call, and they will resolve the issue. 

I have asked Citibank to close my account and to immediately return my funds. They are withholding my funds without my permission, and they refuse to explain why. There has never been a fraud committed and I have offered to provide any information they need. Thy admit that they have possession of my funds including the sending me a bank statement showing they have possession. They simply refuse to give me my money of {$330000.00} back and refuse to provide a reason.
Product: Credit reporting or other personal consumer reports

Already have pending complaint with companies. Would like to attach the second police report which i just received regarding my identity theft investigation.
Product: Student loan

Per the law Student Loans may not be discharged during Bankruptcy. In 2009 my wife XXXX and I filed Chapter XXXX. We had to exclude our student loan from the case. Our loan at the time was with Sallie Mae, then Navient. During the 5 years of our chapter XXXX, our trustee made payments to XXXX. The total was over {$13000.00}, which would equal the 5 years of payments. 

Per the Waiver, these payments for PSLF will not count because the account states Forbearance/BK. 

I received my Navient Billing progress. Navient, continued to collect interest on my loan during the entire 5 years of our Chapter XXXX, Navient did not apply any of the payments made to XXXX. 

As. of today those payments have not been applied, instead, Navient charged fees each month, capitalized interest, charged late fees, applied transfer fees. 

These payments need to be counted for PSLF because they were made and would give me my 120 payments needed.
Product: Credit card

I received a letter from citi stating my online user id was now active ( I recently activated it after a loan was approved and processed ) and that my ATMDebit card ending in XXXX was linked to the account. 
I did not apply for a credit/debit card, I do not want any card. Customer Service is horrible and I will refinance the recent loan elsewhere and pay it off for a better interest rate and better customer service. 
I was logged into the account, chatting with a supervisor who told me to log in and basically said I wasnt when I absolutely was. 
I want this card ending in XXXX ( only numbers I have as I FO NOT have any physical card removed from my name and account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date opened XX/XX/XXXX Details XXXX XXXX  Additional information Account is in violation 15 usc 1681a Account collections XXXX written off. XXXX past due as of XXXX XXXX which is failure to report complete and accurate information. Showing a past due balance on a closed account is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 XXXX shows payment history from XX/XX/XXXX delinquent and a past due balance and collection status with one month term XXXX collection past due no term unpaid status TransUnion show no payment history opened account no term no status All three were updated as of XX/XX/XXXX Each affect by FCRA LAW does not SHOW COMPLETE ACCURATE AND CONSENT I have given 30days for the investigation to properly be done and i do not believe it has been done and now I am DEMANDING THE ACCOUNT TO BE DELTED AND I WILL SEEK TO EXCERISE MY RIGHTS TO FILE SUE TO SEEK DAMAGES UP TO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.
Product: Credit reporting, credit repair services, or other personal consumer reports

We paid off our vehicle loan in XX/XX/2022. Flagship credit acceptance reported to the credit bureaus the XXXX payment was 30 days past due. They state they are not allowed to remove the late report because it's against the law
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX