23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Paid a negotiated settlement amount of {$220.00} to XXXX XXXX XX/XX/2013. Received email confirming payment from XXXX. Then I learned few months later my account and info was sold to Pinnacle Credit Services. Pinnacle has tried to collect {$920.00} for almost five years now. Each time the clock ticks close to debt expiring they lie and say they have talked to me or had contact or a conversation. 

Provided the credit bureaus with the XXXX payment confirmation and disputed Pinnacle Credit report as a collection. XXXX refused to remove but others did agree it was inaccurate info and removed. 

Five years later Pinnacle Credit continues with mailing stuff to my house and reporting to credit even though debt was paid in XX/XX/2013. XXXX says they can't help that Pinnacle Credit owns the account now. 

I currently and in process of underwriting to close on a home and this has the whole process on hold. For nearly five years now I've dealt with Pinnacle Credit shady business practice and lies. I will not pay a debt twice. XXXX received money and can not help me. Credit bureaus except XXXX   agrees this was bogus. Pinnacle stalks me and lies saying we have talked to restart the clock. I'm at a loss. 

This company is a scam and harmful to anyone that has had an account with big companies like XXXX. Based on the lack of professional manner and the dishonest approach Pinnacle Credit must be a relative of a XXXX Executive. Who else would collect money then sell the account to allow the customer to be hunted down and life ruined?
Product: Student loan

I am a XXXX working in a XXXX for eight consecutive years. I have applied for XXXX loan forgiveness meeting all the requirements. My application was excepted last XXXX and I was told I would have an answer with in 90 days. I still have no answer going on 11 months. I have talked to ACS the loan service multiple times and they give me a response of " it is still being reviewed '' each time. I ask by who and they can not give me a answer. I am told I will be given a expedited application status and call back and for 11 months now I hear nothing and have to keep calling them back.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Collection/Charge Off : XXXXXXXX XXXX XXXXXXXX XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof and the following accounts on the credit report are incorrect.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$14.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00} ;
Product: Checking or savings account

I applied for an online Wells Fargo Bank OFFER for a new checking account then they sent me an email that they couldn't verify my identity. They refused to open the account and live up to their offer. Which doesn't make sense since I have been in the credit bureaus since XXXX  plus, I have had both satisfactory checking and credit cards accounts with them over the years. I opened all of them on-line before. I used a phone # I had from an old account for XXXX XXXX XXXX XXXX new business explained my situation, but she says she couldn't help. Note their OFFER attachment on each page says open online. This TURN DOWN attachment says I could go into their branch, but their nearest branch is over XXXX miles of my home. Note the bank LOCATION attachment verifying this. They in application are not keeping their offer even though I qualify. They are being extremely disingenuous at the absolute best with their offer.
Product: Payday loan, title loan, or personal loan

I've tried logging into my Upstart account, when I get in I click on " View Your Account '' I keep getting an error message ( attached ). I've tried XXXX, XXXX XXXX XXXX. I've also tried different networks. As a result, I've been unable to make a payment to my account online.
Product: Debt collection

So I purchased items on walmart.com using a third-party credit card also known as a buy here pay later card with a company called Sezzle. ultimately I did not end up picking up these items from XXXX because there was an issue at the store where there were no employees available to provide me with my items so I contacted XXXX and they issued me a full refund. When they issued the refund it went back to the Sezzle card that was originally used and Sezzle has been now contacted multiple times by me and XXXX also stated that they will email Sezzle as well confirming the refund was completed back in XXXX. Sezzle not only does not pick up their phone during normal business hours but after I have actually spoken to them via phone and through email, they still continue to not remove the transaction from the account and they also are attending to charge numerous accounts of mine such as credit cards, debit cards, @ bank accounts for a transaction where I never received items and they were already refunded. I contacted Sezzle numerous times via phone and email but there is absolutely no resolution and this company still continues to charge my account when I never purchased anything in the end. They are now knowingly being deceptive and fraudulent in my opinion. I ask them to not charge any of my credit cards, debit cards, or bank accounts again. There is no option on their app to remove my previous used payment methods.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, AND 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 XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX 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. XXXXXXXX XXXX XXXX, AND 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: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/delete any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the deleting of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Prepaid card

On XXXX the XXXX 2023 XXXX XXXX my boyfriend 's sister stole my card she stole {$10.00}, XXXX off my card I was trying to get the card to put me my money back they will not do anything they sent me a letter today that said that there concluded that there was fraud but there was no error so they will not give me my money back what do I do this was my life savings for me and my son I am going through XXXX XXXX I've been XXXX since I was XXXX XXXX XXXX that was all I had to my name I trusted the XXXX to have my money safe
Product: Checking or savings account

I paid for a XXXX reservation on XX/XX/XXXX in the amount of {$540.00} for a stay from XX/XX/XXXX to XX/XX/XXXX. There was a free cancellation that expired 60-days prior to the stay. I went on my trip, and checked in to the apartment on XX/XX/XXXX. My son found XXXX  XXXX  on his bed and was bitten during the night. I notified the host and explained that I could not stay as the place was uninhabitable due to XXXX XXXX. I told him I was checking out and wanted the remaining nights refunded. He refused, stating that the cancellation window expired 60-days prior and that he would send someone to investigate the XXXX issue. After an hour, I left, and have since been trying to get a partial refund from the host and XXXX but not getting anywhere. I filed a dispute with my bank because the service paid for was not as described, and they investigated but told me that according to XXXX policy, I had to dispute within 120 days of the transaction. How is that even legal, when the service was not yet in effect until almost 150 days after the transaction date? Basically the consumer is being penalized for not disputing transaction for a service not received. It makes no sense whatsoever.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX, Upon reviewing my credit report I noticed incorrect information. I am writing to delete the following items from my credit report as they are fraudulent and a result of identity theft. The items listed below were not initiated by me at any given point and are NOT MINE so please delete the following items off of my credit report, as I am providing you with my identity theft report which is an official statement of the crime. I am also providing you with my social security card and proof of address for your verification purposes. I AM AWARE OF MY RIGHTS UNDER section 605b of the fair credit reporting act that this fraudulent information must be removed from my credit report after providing the necessary information that is required along with this letter. THIS REQUEST IS TIME SENSITIVE, TIME CRUCIAL AND TIME CRITICAL THAT these items be removed off my credit report effective immediately as the items listed below are inaccurate and it is illegal to report inaccuracies to a consumer credit report. I will also like to remind you of the Dixon- Rollins v. Experian Information Solutions , Inc XXXX XXXX ) and Miller V. Equifax Information Services LLC ( XXXX XXXX These consumers won their case against the bureaus due to not conducting a reasonable investigation of the dispute of the consumer and instead just took the debt collector 's word. Please be sure to send me the results of this request. 
Thank you. 

Account Name : XXXX XXXX XXXX  Account Balance : XXXX $ Date Opened : XX/XX/XXXX Account Name : XXXX BANK Account Balance : XXXX $ Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Balance : XXXX $ Date Opened : XX/XX/XXXX Account Name : XXXX Account Balance : XXXX $ Date Opened : XX/XX/XXXX UNAUTHORIZED HARD INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 2024
Product: Credit card

I have debit and credit cards through Wells Fargo Bank. I checked my credit card account on Thursday, XX/XX/year>. I always pay my credit card on time and have never gone above my credit limit. When I checked my account, I noticed I was several XXXX dollars over the credit limit, which alarmed me. I checked the recent charges and noticed an unauthorized charge dated XX/XX/year>, for {$2400.00} from a hotel called XXXX XXXX in XXXX XXXX, California. Having been only in the XXXX for several months, I knew this charge was fraudulent. I immediately called Wells Fargo and eventually reached their fraud department. The agent examined my account and agreed that the charge was fraudulent. Additionally, they said whoever executed the XXXX XXXX transaction also attempted to use my card XXXX or XXXX other times. The agent I spoke to said they would close my account, open a new account, and issue me a new credit card. They advised me the card would be delivered to my home address in XXXX to XXXX days. On Saturday, XX/XX/XXXX, I was notified that the new card had shipped. 

My online account shows my previous account has been closed and that I have a new account with a new account number. However, the fraudulent charge is still on my new account, which concerns me. {$2400.00} is more than I make in XXXX calendar month, and it would be a significant financial burden for me to have to pay that amount. I have done a bit of reading about the applicable laws, and know that I am not liable for this charge. At most, I'm liable for {$100.00} of the charge, and I suspect that I am really liable for {$0.00} under Wells Fargo policy. I might be a impatient here, but Wells Fargo agreed the charge was fraud, closed my previous account, and opened a new one. I feel they should have immediately removed the fraudulent charge on my account too. The attached photos show my new account with the {$2400.00} charge still on the account, with the account still over my credit limit. 

Additionally, I am concerned that whoever executed this fraud attempted to use my card XXXX or XXXX additional times. I am responsible for not noticing this fraud earlier, as I did not have alerts on to notify me of strange activity on my card. However, my account statements show no record of someone attempting to use my card in another location. If Wells Fargo knew this, I would have liked them to tell me. I would have been notified of this fraud much earlier if they had.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report that I believe does not comply with the provisions under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b, which governs the accuracy and completeness of the information reported. 

Account Name/Issuer : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name/Issuer : XXXX XXXX XXXX/ Account Number XXXX XXXX Account Name/Issuer : XXXX XXXX  / Account Number : XXXX Account Name/Issuer : XXXX XXXX XXXX  XXXX  / Account Number : XXXX Account Name/Issuer : XXXX  / Account Number : XXXX As per Section 1681b of the FCRA, I am entitled to dispute information on my credit report that is not verified as accurate. 

I request that you thoroughly investigate this charge-off and confirm its accuracy. If you are unable to verify the charge-off or provide adequate documentation supporting the validity of this debt, I kindly request that you remove this charge-off from my credit report. The information listed is affecting my creditworthiness, and under the FCRA, you are required to ensure that all information provided to me is accurate and verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Equifax announced that it had been hacked from XX/XX/XXXX to XX/XX/XXXX and had withheld this information for one month prior to reporting it to the general public. Upon hearing of the breach, I proceeded to the provided web address : www.equifaxsecurity2017.com to learn if I was suspected to be a victim of identity theft or theft of any kind. Placing my credentials, I was informed that I was indeed suspected of my information being stolen from the hack. This information may include my name, address, date of birth, social security number and possibly my DL number. I have been given a date to enroll in XXXX XXXX credit monitoring : XX/XX/XXXX. I have also requested a fraud alert be placed via Equifax on XX/XX/XXXX at XXXX. In addition, I also received by annual credit report for XXXX on XX/XX/XXXX at XXXX where I did not find any errors on my report.
Product: Mortgage

Penny Mac is a servicer to XXXX XXXX 's customers. This will never happen. XXXX XXXX XXXX prepared my Home Modification, not PM. This PM business is to offer a quality service and this will never happen. This Home Mod was about XX/XX/XXXX or XX/XX/XXXX. Since PM became a servicer of my loan, which is to be forwarded to XXXX XXXX, XXXX has been my total nightmare. They are all snakes in the bushes, when they smile, they rattle. The criminal acts that have been against me has escalated out of control. Firstly, they found out about my age, threaten to foreclose, stolen my social security check, ( they transferred my money back with a fight and the name of that woman is XXXX ), racketeering, false pretenses, violations of laws, my civil rights, personal property, forgery, demanding I walk away, per XXXX XXXX and PM. Then, PM contacted the IRS, without my permission, on an enquiry, if I owed any taxes and of course, it was negative. Another evil act. Comes again a letter from last week, indicating that my XXXX anniversary is coming up and I will be receiving {$5000.00} off the balance of my loan and this was another oversight. Another lie. Today, in the mail, I receive a stupid document outlining that they are investigating my complaints and will be in contact in a month. I have received these same stupid documents and what follows is a, " Dear XXXX '', without prejudice, in other words. They are failures and always will be. There are so many lawsuits against them, it is sickening. This alleged business needs to be prosecuted to the fullest, license revoked and doors closed permanently. Their business practices and employees are the worst of the worst. Again, I want my {$5.00}, per month, times 24 months, which was for a certified return receipt that I had to pay to submit my payment every month, which is unlawful. I had been in contact with various businesses and this was unacceptable. Never an apology, sympathy, gratitude, respected, etc. I detest PM, who have destroyed my life. 
XX/XX/XXXX, I had requested the balance of my loan and it was around {$38000.00} and now it is about close to {$40000.00}. There is another fraud and more criminal offenses. 
I want CFPB to publish this all over the web. I want the viewers to read how bad they are and what acts that occur against the innocent. I want my justice.
Product: Checking or savings account

I HAD AN ACCOUNT WITH XXXX dollars in it, after some iddues with a check I was supposed to be sent the remaining balance, instead truist sent me a check for XXXX dollars and when I called could not tell me where my remaining funds had gone, additionally after filing another complaint earlier truist LIED saying they had reached out to me when they never did, trust STOLE almost a XXXX dollars from a person who actually works for a living
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect balance for this account XXXX Account # XXXX. Because the balances being reported by your company and XXXX, XXXX, & Experian are different, this means the account has not been properly verified. Charge off account showing currently showing past due. This account was paid and still showing balance. 
Please delete this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the dealership and spoke with XXXX in XXXX about incorrect status that's on my credit repot that says charge off /closed she advised me to send a letter in to have the correction made to PAID because the car is paid off I sent a letter in XXXX to Equifax no response I sent a second letter XX/XX/XXXX to XXXX XXXX directly which they received it on XX/XX/XXXX its now XXXX the correction has not been made and I been calling XXXX to fix this correction and now I can't get in contact with her and I never received nothing in the mail indicating that its getting worked on or nothing
Product: Mortgage

We are refinancing this mortgage with another company simply because it has been untenable trying to deal with loan servicing company, BSI Financial. The new lender has made multiple request for a Verification of Loan letter from them and thus far they have refused. The new lender has stated we are all set and the only thing left is this letter which BSI Financial is refusing to fax to them. We asked that it be expedited as they have been asking for it for 30 days and BSI Financial won't give us an answer on when they'll send it. 
They first tried to stall by saying the person getting the new loan was in my spouses ' name. The name the new mortgage is in has no bearing on the old mortgage and is just a delay tactic for them to get one more mortgage payment out of us. 
I request they send the fax immediately. 

SECOND PROBLEM : Our insurance covers multiple properties under 1 policy. It took us a month for them to verify. Now we have discovered they paid the entire policy amount instead of the just the portion for this home. Of course, our escrow balance is way out of wack now. This needs to be corrected as well.
Product: Checking or savings account

Since XX/XX/XXXX I've contacted them no less 10 times to get information as to why my account is suddenly locked, just days before my tax refund is scheduled to be delivered. I've been told the same thing every time, that they don't have access to the information and that a higher team is investigating it, and to wait for an email to follow up with instructions and information. I've not received any information from them, and feel it is extremely poor customer service. To have no access to my funds and no answer to what is happening is infuriating.