23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt, which is OVER 7 YEARS OLD, first appeared in XXXX as UN-authorized charges on my XXXX XXXX cell phone bill. I refused to pay the charges and the account was closed. Pinnacle Credit Services LLC bought the debt and tried to collect. I told them the debt was not mine and would not pay it. Pinnacle Credit Services has since changed the date of the debt to XXXX/XXXX/XXXX and is still trying to collect on it EVEN THOUGH THE LAST TRANSACTION I HAD WITH XXXX WAS XXXX/XXXX/XXXX AND IT SHOULD HAVE BEEN DISCHARGED A MONTH AGO!
Product: Checking or savings account

On XX/XX/2020, I tried logging into my chase account through the chase app and was denied access. Due to Covid-19, I waited until the next day so I can speak to someone in regards to my chase log in information. Today, XX/XX/XXXX, I was told by a representative that I am no longer a chase member and my checking/savings account was closed indefinitely. A decision made by Chase without my acknowledgment. I tried asking for reasons as to why this was happening? I have a clean record and money was consistently deposited on a weekly basis so my account was very much active. Their was response was, " Chase has the right to withhold information and not tell you why your account was closed. '' This is absolutely absurd! I decided to do research and thousands of Americans are faced with the same situation. Honest people with thousands of dollars being toyed with because Chase felt the need to close accounts without giving reasons as to why. I, like millions of Americans during this pandemic, am receiving my unemployment insurance benefit through Chase. This is extremely inconvenient and unjust. Our tax dollars bail out banks such as Chase constantly and we can't even get a solid explanation as to why our checking/savings accounts are being terminated. Something must be done about this.
Product: Debt collection

I do not think I ever took a loan from these people. XXXX XXXX is apparently where i obtained the loan, though i do not recognize this, and I am being hounded by a company called National Principle Group, They say I took the loan in XXXX, they say I made payments from XXXX to XXXX of XXXX. They say I borrowed XXXX but owe XXXX. I have taken loans from Pay day people, ( I admit it sadly ) I have ALWAYS PAID them back and in fact have not used XXXX for several years now. These people are harassing me at work and on my cell. I have told them I contacted my attorney General 's office, that I will pay if, I in fact owe it, and have requested that they send me the information in writing, through the mail. They will not, usually yelling at me telling me they 'DONT HAVE TO DO THAT '' they want to send me an email, ( but the email they have for me is no longer good, I have NO, and will NOT give them my new one ) They do have at least the last XXXX digits of my SS # and my bank account, as well as my home address, and both cell and work phone numbers ( obviously ) they will not give me the information on the account they say I have, not the account number or anything. They said they would take a settlement of XXXX if I paid right away. I have not. i can block them from my cell, but i ca n't stop them from calling my work, how can i do this before i get fired!!! if i owe it, i will pay it. My question is why wo n't they send it to me in writing if it is legitimate? i have not moved, nor changed jobs since the date of the so called debt, if i did owe this money i ca n't believe that i have not received one thing in writing or before this time from 6 years ago. 

National principle group-several phone XXXX plus ext XXXX ( quality assurance, haha ) fax XXXXXXXXXXXX address is a po box XXXX XXXX XXXX # XXXX, XXXX, ny XXXX, at least this is what is on the internet as their addressSome of the above info is from their websiteAs i said, if i owe it, i 'll pay it, but i need this to stop, i ca n't have the threats of some goons banging at my door or hauling me away for XXXX!!! and i ca n't go through my work day worried about them calling everyday. BOY WHAT A MISTAKE, ONE I WILL NEVER MAKE AGAIN. 

The first person i talked to was not bad, firm, but not mean, the XXXX and XXXX ( i no longer take the calls if i can help it ) were both harassing, yelling, threatening, talking fast, never letting me say anything just yelling, " admit you owe it, admit you wont pay it, we will take further action '', when i ask for it in writing they yell they do n't have to, they will send it in an email and i can print it, but when i told the Atty Gen, they said they will send the email but it wo n't contain any information and that they HAVE to send it by mail, which a legitimate collection co would do. it 's getting meaner and more harassing with each call and i will admit to being scared.
Product: Credit card

We pay our monthly bill and the balance continues to rise but is not applied to the balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and noticed several inaccuracies throughout it. Several collection accounts which are inaccurately updating balances. I sent a dispute letter dated XX/XX/XXXX to all 3 credit bureaus, which are currently undergoing the dispute process. Experian keeps updating this account from XXXX XXXX XXXX for {$400.00} without proper investigation. I have also sent a letter to this company separately demanding them to valid this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint to you today to request that the Credit Bureaus remove the following items completely from my Credit report. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. I have been sending letters requesting for the update of the disputed accounts and yet they have done nothing, I have reached the peak of my patience and I am now urging the Credit Bureaus to remove the disputed acounts completely from my Credit report : XXXX XXXX XXXX  XXXX Balance Owed : {$30.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$9900.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX company is reporting information on my credit report that is not my account this information is not true by law they cant do it
Product: Mortgage

My payment of XX/XX/year> of {$1300.00} was never posted to my account. I was forced to make an additional payment of {$1300.00} on XX/XX/year> which was posted to my account. They changed my account number on XXXX XXXX, 2023 without my knowlege so XX/XX/XXXX payment went to my old account number. They said the error would be corrected within 60 days. It has not been fixed. I have made numerous phone calls, so has my bank and bill payiny service to prove they have money. I have also faxed and mailed all the documentation to prove they have the funds twice but they still have not corrected the account.All I get back are the same form letter saying they are working on it. When I call I get a different story each time that they never got the money. 
The loan company sold my loan to one of their sister companies and the money went to the correct bank account but with the old loan number. All they have to do it post the funds to the new loan number but they wont do it.
Product: Credit card or prepaid card

Beginning XX/XX/2021 Synchrony Bank is now billing me monthly for unspecified " Fees '' after I paid my bill in full for XXXX XXXXXXXX XXXX purchases. I have been unable to reach them by phone, email, or USPS mail. The amount is XXXX, increasing monthly with each bill. They are now threatening my credit rating. The card was issued by XXXX XXXX XXXX for purchases which have been paid in full XX/XX/2021, as stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. This has taken a lot of time away from me and I should be paid for that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax and XXXX XXXX data breach caused the violations : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 different name on credit 3 different address
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX, and Transunion Credit Report and I noticed that late payments from XXXX XXXX XXXXXXXX is still posted on my report : XXXX XXXX XXXX Account # XXXX. Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this account from my consumer report. This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 2. Negligent Enablement of Identity Fraud. 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The SBA issued a loan for XXXX in the name of my company under my parents address in XXXX XXXX Florida which does not have any connection to the business. I only found out this happened when I got mailed a bill to there address dated XXXXI did not apply for this loan and did not receive any money. I have contacted the SBA to report the fraud and also by mail which was delivered certified mail on XX/XX/2021. But I have not heard anything else back from them as far as resolving this. 

I have filed a police report case # XXXX with the XXXX XXXX XXXX XXXX Florida which is where I live, the detective couldnt do much since the crime seems to be done online so he said he sent it to the fbi. 

I have locked all my credit scores since this occurred.I have reported this on XXXX XXXX and followed there steps which now include contacting you. I have also reported this on XXXX 

The bank that I guess opened a fraudulent account for the loan is XXXX XXXX XXXX they contacted me about a week or two after reporting to SBA the fraud, they only asked if I didnt open the account they had which I didnt said it was likely fraud and that the account was opened online but would not give me any other info. 

The credit agency that did the fraudulent credit check is experian who I notified in writing that this background check and loan where fraudulent and I have not heard from them, the notice was sent certified mail and recieved XX/XX/2021 Thats all the info I have hoping to sort thru this and get on with life.. thank you
Product: Credit card or prepaid card

XX/XX/XXXX my father passed away and I asked the creditor if I was able to get an extension or deferment for 1 month due to a death of an immediate family member. I was granted it but shows up as a late payment for why I wasn't sure since I told them what was going on even emailed a copy of his death certificate to them to prove I wasn't lying. And between XX/XX/XXXX till XX/XX/XXXX I was laid off. XX/XX/XXXX till XX/XX/XXXX was due to a harsh winter and unable to work outside. And from XX/XX/XXXX till XX/XX/XXXX from COVID. I asked the creditors if I could have a reduced minimum payment or a brief hold or deferment on my account due to the COVID outbreak and unforseen weather. I talked to multiple reps and they noted that in my file.
Product: Mortgage

30 year mortgage pd in full XX/XX/2021 still have not recid pd contract back and have been told that would take 60 to 90 days.all i am looking for is the original contract marked pd in full. i I have been billed and i have issued my payment chks to XXXX now I am informed that the mortgage is thru loan care of the same address and was directed to them, and was told by XXXX that the pd documents would take 60 to 90 days to reach me when I spoke to XXXX supervising manager employee # XXXX he informed me that if I wanted these documents I had to request them in writing? All I am looking for are my contracts back marked pd in full. Loan Care XXXX XXXX  XXXX, XXXX  XXXX, Virginia XXXX. Thanks XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting

Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, y
ou must remove the accounts listed below. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXXXXXX XXXX Account Name : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

TRANSUNION AND XXXX WILL NOT GIVE ME MY REPORT NEED THEM ASAP CAN NOT WAIT 15 DAYS
Product: Credit reporting or other personal consumer reports

I 'am a victim of human trafficking, an unfortunate ordeal that has profoundly impacted my life in a dramatic manner. 

As a result of this harrowing experience, I have suffered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It is crucial for my well-being and future prospects that the information pertaining to this traumatic event be blocked from my credit report immediately. I fear that the presence of such sensitive details on my credit history could have far-reaching repercussions and hinder my ability to move forward. 

I implore you to take swift action in addressing this matter and ensure that the necessary steps are taken to safeguard my privacy and protect me from any potential harm that may arise from the unauthorized disclosure of this information. Your cooperation and prompt attention to this request are deeply appreciated. 

I kindly request that you provide me with confirmation once the information has been successfully blocked from my credit report. Please be assured that I am committed to providing any additional documentation or information that may be required to facilitate this process.
Product: Checking or savings account

I opened a checking account with Citibank on XX/XX/XXXX, but Citibank suddenly closed my account today for no reason and without providing any notice. 

When I called customer service to provide details, they refused. I did not perform any transactions that would warrant closure. The only transactions were to fund the account to the amount of {$450.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX, and {$100000.00} today on XX/XX/XXXX, all of which is now owed to me immediately. It is absolutely crazy that they would transfer those funds today only to then close it and steal my funds. 

I need these funds back ASAP. It is completely unacceptable that Citibank can hold these funds hostage, without any details as to when they will be returned. Time is money and I need these stolen funds back ASAP.
Product: Credit reporting or other personal consumer reports

LEXIS NEXIS IS REPORTING FRAUDULENT INFORMATION TO XXXX, XXXX, AND XXXX AND ALSO STORING FRAUDULENT DATA IN THEIR SYSTEM UNDER MY PERSONAL INFORMATION. DEMANDING THE SHARING OF ANY INFORMATION UNDER SECTION 15 USC 1692CC. THE CHAPTER 13 INFORMATION BEING SHARED IS FRAUD.
Product: Credit reporting or other personal consumer reports

They reported late payments and didn't follow law accordingly 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX