23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am in chapter XXXX bankruptcy in MN - XXXX. The office of XXXX XXXX XXXX and Midland Funding received a judgement in their favor and are now attempting to garnish my wages, which is n't allowed under the automatic stay rules of chapter XXXX. The case is XXXX
Product: Mortgage

Closing disclosure revised a day before the closing and did not notified me or no one tried to communicate about the loan coasts increased. after reviewing the closing disclosure at the closing table called Chase immediately to speak about it and agent took details and told me someone will call me back, no one has reached me and Closing agent waited for 40 mins and left. sent an email to the team about the loan costs differences, next day around XXXX XXXX  agent responded said someone will call me, after few follow ups Manager called me around XXXXXXXX XXXX and took details, told if its a chase service fault he will adjust the rate extension fee, but later the loan adviser told they can not adjust the rate extension and asked me to pay for it. 

it caused lot of stress and they increased loan costs without notifying and keep adding more fee to loan coasts, and when I ask then they said its a time rush but not responded in timely manner when it close to closing. 

because of their unfair business process I lost the opportunity to get the loan at the interest rate I was locked and stopped the process, also lost my XXXX XXXX  fund of {$500.00}, XXXX XXXX XXXX
Product: Mortgage

I moved XXXX XX/XX/XXXX and lost my renters in my house in Virginia with mortgage held by Chase bank. I stopped payments XX/XX/XXXX and the foreclosure did not go through until XX/XX/XXXX. I 'd like to claim unfair damage due to the long time frame for foreclosure and have the foreclosure removed from my credit history at this time.
Product: Credit reporting or other personal consumer reports

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. 

I reached out to PNC Bank in the beginning of the Pandemic to let them know that my consulting contract was terminated for events scheduled for over a year due to the Pandemic Lockdowns. All Convention Centers Cancelled Events. 

I have Lates Reporting Throughout XXXX, XXXX, XXXX, XXXX Also. The Company Denied me assistance during the pandemic numerous times, but they seem to have reported to the CFPB in prior Complaint that they aided me with numerous forbearances and even supplied me assistance from XXXX. Which none of this was ever given to me during my Financial Crisis in the Pandemic. I had XXXX on XXXX occassions due to my children and mandatory quarantines. I was denied assistance during those time periods as well. 

Cares act gave the Creditor the Opportunity to Modify the Loan and Provide Assistance. The Creditor didnt do that. The Creditor also failed to Remedy Fraud which was found in my loan documents ( Payment was inflated almost {$200.00} after the automobile was delivered to my home ). I have submitted all documents in credit disputes with XXXX. XXXX and XXXX providing documents and Police and FTC reports confirming XXXX and XXXX. 

In addition to that was the Late Payments Reported During the Pandemic when I notified them Early XX/XX/XXXX and Continued to call and update my status being affected by the pandemic and they CONTINUED to not provide Assistance and Mark the Lates on my credit when I had no income and was on lockdown during the pandemic and my consulting events were cancelled well over a year which the creditor was made aware of numerous times. 

PNC Bank did not follow the laws Provided by the Pandemics Cares Act During the Covid-19 Pandemic. Calls can be subpoenaed where I repeatedly reported they were not compliant with the cares act during the Pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this information on my behalf because Experian has failed to comply with requirements imposed under 15 US Code Subchapter III and Regulation V 12 CFR 1022 and is liable pursuant to 15 USC 1681n ( 1 ) ( a ).
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

account : XXXX XXXX XXXX - XXXX
Product: Money transfer, virtual currency, or money service

The night of XX/XX/2021 I was a victim of sim swap and I am a customer of XXXX XXXX XXXX XXXX is no help and they are not forthcoming as to how the swap took place. The thief stole over {$5600.00} of my coins in my Coinbase account and bought over XXXX in coins and transferred them. I got on wifi and saw emails popup about coinbase and locked my coinbase account/ reported fraud on XX/XX/2021. I could not figure out why the emails were disappearing. On XXXX I used a friends phone to call /restore phone service. That afternoon I started getting drafts of XXXX out of my bank accoun Zt. I closed my bank account. Coinbase has not been helpful. They penalized me for the fraud. I filed police and FBI reports. I staked my XXXX and coinbase withdrew that on XX/XX/XXXX to further punish me for the theft. Please let me know what I can do because no one is responding in a helpful way.
Product: Checking or savings account

The fifth third bank did fraudulent claims/ chargers on my account. They won't release my money. I called to see why I had an ATM charge on my account they said no one did it that charge we did that. I called them XX/XX/XXXX and they said no one took they money we did it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, and correction of the following erroneous information on my credit report : 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

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 XXXXXX/XX/XXXX
Product: Credit reporting

My ex added me as an authorized user. However, I never had a card. 
The card was subsequently charged off. Trans Union has refused to delete this item even though I am not liable for it.
Product: Checking or savings account

In the month of XXXX, the bank of Capital One has frozen my account a couple times. I rectified the first XXXX and was free to access my money again after discussing with an employee. My account was frozen again for the same reason as before and requested more info. I provided all info I could to no avail. At this point, XX/XX/XXXX of 2024 ; I requested my account be closed. Capital one told me it will be investigated and then XXXX have a check sent to me for the funds. I was okay with this. It is now XX/XX/XXXX of 2024 and they refuse to provide me any update and keep telling me to wait. XXXX weeks ago I asked to reach out to an XXXX and they told me they would but when I called back weeks later, they told me that they have heard nothing. My funds are sitting in a pending unusable state in which I can not touch, and they have done nothing but sit for 3 months. I told the company that my credit card has an outstanding balance in which I can not and will not pay until my funds are received. I have never missed a payment on my entire life time of owning a credit card or in any debt prior to this. 

I was told by an employee that my funds in which are rightfully mine are " identified '' and that I should discuss at the least a partial payout. Calling back they said they have never heard of such thing. 

The bank knows they are holding my rightful money and are doing nothing about it and refusing to send a check to my funds. Because of this I am missing months of bills, credit cards, and more.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts appearing on my credit report, and I have no clue why. I routinely check my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, hoping it was just a temporary glitch, but the inaccuracies remained. Because of this, I request that the documents I have submitted be carefully reviewed so I wont have to worry about this issue again.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX  XXXX Account # : XXXX XXXX  XXXX XXXX  XXXX XXXX  Account # : XXXX XXXX  Account # XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

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 Subject : Request to Remove Student Loans from Consumer Reports Dear Ascendium Education XXXX XXXX and XXXX , I am writing concerning the student loan account XXXX, associated with my name, XXXX XXXX, and my address as provided above. 

Recently, I received a XXXX form which indicates that a portion of my debt was canceled. The IRS has accepted this cancellation, and I have duly paid the necessary tax implications associated with this form. 

Given this, I kindly request that you update your records to reflect this accepted cancellation and subsequently remove the mentioned student loan from my consumer reports. As you might be aware, accurate reporting is essential to ensure that all individuals can benefit from the true reflection of their financial situations. Removing the loan from my report will help me in my future financial endeavors, and I believe it's a fair request considering the debt cancellation has been accepted by the IRS. 

I would appreciate your timely attention to this matter. Please provide written confirmation once the loan has been removed from my consumer reports. If you require any further documentation or details regarding this, please feel free to contact me at XXXX XXXX I have also attached a copy of the XXXXXXXX XXXX XXXX 

Thank you for your understanding and cooperation. 

Warm regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with an old credit card that has been paid in full. Asked XXXX XXXX, XXXX, and XXXX to investigate and verify the account. The account still shows charge off and also derogatory on my credit profile. The creditor agreed after payment to remove from all three credit bureaus. Which has not happened. The payment history is showing unknown therefore it is an unverified account reporting to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report includes the following erroneous information that needs to be investigated and corrected. I want you to removed these inquiries on my report. This was already included in my prior COMPLAINT, and I'm including it again 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with GM Financial that was paid off on XX/XX/2018. After countless attempts and hours on the phone to get a copy of my statement history, I feel that there was misapplied payments on my account causing multiple late reporting 's. 

I had spoken with GM multiple times and the statement history seems off to me. Unfortunately, I don't have any documentation showing the way my payments were made as I used multiple payment options. 

The issue that I currently have is that the account has been paid off for nearly four months now and all three credit bureaus still have it reporting late with a balance.
Product: Credit reporting

I contacted the reporting aciency reguarding information that should be off my account due to either settlements that I am not allowed to discuss or companies that can not prove that this debt is mine. My personal information has been stolen from XXXX different data breaches so I want a signed contract or the credit reporting agiency needs to remove it imediatley. All these companies need to do is say someone owes them and then your life is ruined. I will retain a lawyer if the items I disputed are not removed imediatley.
Product: Mortgage

Back in XX/XX/2017 I was approved for a loan modification, and shortly after I was approved I lost my job. At that time, I was driving trucks for a local trucking company. In trying to avoid filing for bankruptcy, I have tried to work things out with my mortgage company, and I finally came to the realization that I needed to list the property for sale. 
I have received a good offer from a buyer who is ready and willing to purchase the property, even with the repairs that need to be made to the property. Once I submitted the documentation to the mortgage company, they held onto it for weeks before they came back and said that they did not have enough time to review the file for the short sale. Now, if you ask me they would have had enough time had they not held on to the file for week and not given it to a processor. I am not asking for a handout, I am just asking for the bank to be fair and review the offer. I need your assistance in getting the bank to do what is right, and what is required by the government to assist homeowners when they are in financial trouble and can not afford to pay the mortgage.
Product: Mortgage

PNC services a mortgage on a property that is being sold through a short sale. The house has been listed for sale sinceXX/XX/XXXX, starting at {$450000.00}, and incrementally lowered until we started to get showings, at a price of {$390000.00}. OnXX/XX/XXXX, PNC had an appraisal done on the property. It came in too high, but PNC will not consider any offers unless they are equal to the XX/XX/XXXX appraisal amount. I sent evidence of issues with the property, poor layout, across from a major highway, cell tower facing the backyard of the property, to no avail. We have had 29 showings on the house since it was listed, and received one offer, on XX/XX/XXXX of {$350000.00}. PNC rejected the {$350000.00} and countered at {$420000.00}.
Product: Money transfer, virtual currency, or money service

XX/XX/year>24 a withdrawal of {$190.00} and {$22.00} were made from my personal credit union account to my PayPal XXXX store account. I attempted to dispute but could not while pending. It cleared XXXX and was immediately transferred to a XXXX bank account that had just been added, not showing as verified with the XXXX small deposits, and another withdrawal of $ XXXX was initiated from my credit Union. I contacted my credit Union and PayPal but can not dispute pending charges. I deleted the added bank account and noticed an authorized user had been added who I also deleted. PayPal has yet to respond.
Product: Credit reporting or other personal consumer reports

We have received your complaint to the Consumer Financial Protection Bureau regarding the reporting of the above referenced credit card on your credit report. We reviewed your concerns and understand that you are claiming that this account was opened as a result of identity theft. Our records show that this account was opened in person on XX/XX/XXXX, at our TD Bank location at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Your last successful payment was a recurring auto pay receieved on XX/XX/XXXX in the amount of {$180.00}. Our investigators have also reviewed your previous claim and indicated the decision remains the same. The consistent payments made to this account from XXXX have been verified and the tradeline has been deemed legitimate. I have the right to request copies of the documentation that TD Bank used to verify the account. This includes the application, signatures, and any in-person identification provided. as the stated I went in person which that is not true XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not even my district and in the auto pay you are nuts I pay all my debts through cash not auto pay your claim is weak and not legitimate also I have filea complaint with the occ
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) 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 XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I had an account with XXXX XXXX XXXX explained to them the furniture was lost during Hurricane Harvey due to knee deep water in the house. The amount owed {$2500.00}, was written off in 2017. Now I receive calls from FBCS , Inc. ( collection agency ) telling me they bought the debt. Somehow they're reporting to credit bureaus the account is reopened & closed again. I get alerts informing me of this. I contacted XXXX & the Attorney General in TX about these unethical practices. I'm enclosing the email sent to me & the letter from the Attorney Generals ' office in response to my complaint.
Product: Credit reporting or other personal consumer reports

Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
Account are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company shows that I have a balance with my current insurance company however after contacting XXXX XXXX they confirmed that there is no balance. I requested for them to remove the incorrect information however they said they would only remove the information if I were to pay the incorrect balance. This sounds like a scam to me however they are impacting my credit report and I will be seeking litigation and sue the company for each incorrect entry on each of my credit reports showing the data as per the FDCPA laws. 

This is the data listed : Credit Collection Services XXXX Collection Account {$120.00} Date Opened : XX/XX/2022 Credit Collection Services XXXX Collection Account {$980.00} Date Opened : XX/XX/2022 XXXX
Product: Mortgage

I got a hard inquire from Credco on XX/XX/2020 that I have no relation or authorized and reporting on XXXX, XXXX, and XXXX.