23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A company named ERC is harassing me about a debt which I do not owe and never have owed to  XXXX   XXXX   XXXX . This amount was billed to me by mistake man many years ago and I just keep getting annoying and false statements asking me to pay and that I owe this. But I had disputed and won this sum against  XXXX   XXXX   XXXX  while I still had an account with them. Whatever this company ERC are still harassing me about is false information and not any amount which I owe. I do not owe this and it was a mistake and now they are reporting to all  XXXX  of my credit reports that I am in collection and they keep calling my house after late times and wanting to speak to me, this is crazy and I do n't understand why and where they have obtained my information and social security number. Can someone here help?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Upon reviewing my credit report, I have identified several billing errors that constitute violations of 15 U.S. Code 1666 ( b ). Specifically, the creditor has failed to comply with the requirement that payments on an open-end consumer credit plan must not be considered late unless each periodic statement is mailed or delivered no later than 21 days before the payment due date. Additionally, there has been a failure to accurately reflect payments or credits issued to me, and a computation or similar accounting error on the creditors statement. Since I was not notified 21 days before the payment due date, any reported late payments on this account are incorrect. I request that you provide solid proof from the creditors bank account showing that I did not make the payment and that it was marked late, as this indicates a billing error. The items in question must be updated to " paid as agreed '' on my consumer report. 

XXXX  XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX XXXXXXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report. 

XXXX - XXXX This is completely inaccurate. - This is paid as agreed and should not be reported negatively on my report.
Product: Checking or savings account

On XX/XX/2023 while at work I received a phone call from Chase Fraud Services about an unauthorized use of my credit card. I said the transaction was not authorized. While on the phone with the Chase Fraud Services I received emails that my debit card was being used to make unauthorized purchase totaling {$9400.00}. While still on the phone with Chase Fraud Services {$10000.00} was transferred apparently by telephone form my business account to my personal checking account. This was used to pay for the debit card purchases that originated overseas. I told the Fraud Service representative that none of these transactions were authorized. I said this several times. This was happening in real time. The next day I went to my local branch to obtain new credit, debit, business checking and personal checking accounts. While there I told the Chase representative that the debit charges were still listed as pending and they were not authorized. Needless to say the debit charges went through. Chase has determined that I authorized all these transactions which is not true and wants me to repay {$8400.00} in overdrafts and be responsible for the {$1000.00} Chase took out of my account. I want the {$1000.00} returned to my account and for Chase to be responsible for the overdrafts as I did not authorize these transactions. Attached is a Certification and documents that support my claim against Chase..
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 rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account name : XXXX  XXXX # XXXX, has violated my rights. 
Account name XXXX  # XXXX XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX, has violated my rights. 
Account name : XXXX  XXXX # XXXX, has violated my rights. 
Account name XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX  # XXXX, has violated my rights. 
Account name : XXXX  # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 
Account name : XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX  XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

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 an account without my written instructions. 

15 U.S.C 1681 c. ( 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 the records of conviction of crimes which dates the report by more than seven years.

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Equifax credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Date of inquiryXXXX Delete!! 


Unathorized inquiry Syncb Date of inquiryXXXX Delete!! 


Unathorized inquiry. 
XXXX Date of inquiryXX/XX/XXXX Delete!! 


Unathorized inquiry XXXX XXXXXXXX XXXX  Date of XXXX Delete!! 


Unathorized inquiry XXXXXXXX XXXX XXXX  Date of XXXX Unathorized inquiry Toyota Motor XXXX XXXX XXXX Delete!! 


Unathorized inquiry XXXX XXXXXXXX Date of inquiryXXXXXXXX Delete!! 


Unathorized inquiry XXXX Date of inquiryXXXX Delete!! 


Unathorized inquiry XXXX Bank Na Date of inquiry:XX/XX/XXXX Delete!! 


Unathorized inquiry XXXX XXXX Auto Fin Date of inquiry:XXXX Delete!! 


Unathorized inquiry XXXX XXXX XXXX Date of inquiryXXXX Delete!! 


Unathorized inquiry XXXX Date of inquiry:XXXX Delete!! 


i noticed this issue in XXXX correct information needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNDER 15 USC 1666b THIS LATE PAYMENT ENTRY IS A VIOLATION. I HAVE BEEN INCORRECTLY BILLED. 
XXXX XXXX Account NumberXXXX please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late payment entry is a violation.I have been incorrectly billed. 
Ccb/Chlplce Account XXXX Please update the status of this account to " paid on time ''. 


Under 15 USC 1666b this late paymententry is a violation.I have been incorrectly XXXX XXXX XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX XXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX XXXX Please update the status of this account of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXXXXXX XXXX XXXXXXXX Please update the status of this account to " paid on time '' Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXXXXXX Please update the status of this account to " paid on time '' This account needs to be validated. 
XXXX XXXX XXXXXXXX
Product: Credit reporting

In XXXX 2015 I requested my annual free credit reports, sent in a copy of my driver 's license and social security card but have only received a copy of my credit report from Equifax last week. I sent several emails but have not received credit reports from XXXX and XXXX. 
Equifax continues to add several addresses that are incorrect ( lived at the same address for the past 26 years ) to my report, account numbers and year acct open have been changed and information over nine years remain on my report. This is the same complaint I filed against all three bureaus but still experiencing the same problems today.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that is listed below is inaccurate and I did not authorize these items to be reported on my credit report. I've filed an identity theft report with these companies directly via phone as well as sent in handwritten letters to these companies in regard to this issue on my credit report. I also sent in the Identity theft reports filed with the FTC to the companies in regard to the following information. 


Date opened : XX/XX/XXXX XXXX Account : XXXX XXXX XXXX {$270.00} Original Creditor XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX Date opened : XX/XX/XXXX Original Creditor XXXX XXXX XXXX Balance : {$2000.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute the recent incorrect charges and late payments that have been reported on my XXXX account. This account was closed in XXXX, and I am concerned that late payments for XXXX are being inaccurately reported. I request your immediate attention and assistance in resolving this matter as this has caused me extreme financial harm. 
I have carefully reviewed my credit report, and I was surprised to find that late payments are being reported for the year XXXX on the XXXX account. This is inaccurate as the account was officially in XXXX, and I have not made any transactions or late payments on this account beyond that date. 
These inaccuracies on my credit report may negatively impact my creditworthiness and my ability to obtain a home. 
The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and up-to-date information on consumer credit reports. 
I encourage you to view the documentation that I have attached to this compliant as it contains the letter I've sent to Equifax and XXXX, along with a copy of the inaccurate reporting.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a certified letter to each of the 3 credit reporting agencies ; TransUnion, XXXX, and XXXX, asking each of these companies to check and verify that the information in my credit report was accurate. All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct. 
I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions. 

For example, the Date Opened for the account had multiple dates on the 3 credit reports. Transunion Account opened, XXXX, XXXX XXXX XXXX, XXXX INCONSISTENCY! 
Another example, XXXX has account still open while XXXX & Transunion have it closed- INCONSISTENCY! 

See attached Latest Credit Report dated XXXX for all XXXX credit reports. 
See attached compiled PDF of pages XXXX of Credit Report showing XXXX XXXX XXXX Due to these inconsistencies this file must be deleted please.
Product: Credit card or prepaid card

On XX/XX/2020 I applied for a XXXX XXXX credit card through Comenity Bank ; on the same day, once the account was approved, I ordered an item that qualitied me for a {$10.00} credit on my current order as well as a {$10.00} credit on my first statement. I have a screenshot of the offer. Additionally, when I received the order confirmation, it indicated I qualified for free shipping on this order ; I have the email message to this effect. 

When I received my statement last week, I found that not only was I charged shipping, neither of the promised {$10.00} credits had been applied to my account. 

I first attempted to contact XXXX XXXX via secure messaging on their website. The response directed me to call for assistance. 

I have contacted both XXXX XXXX and Comenity Bank, the issuer of the credit card/account and have been given nothing but a runaround, with Comenity Bank telling me to speak to XXXX XXXX and XXXX XXXX telling me speak to Comenity Bank. Today alone, I have spoken to TWELVE different people today trying to get this resolved and have been lectured to and hung up on by supposed 'Customer Service XXXX representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know I don't deserve this erroneous information credit bureaus are placing on my credit report. I have always been a responsible payor. I am very disappointed because they did not fix and correct the late payments..CFPB please step up and fix XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be removed by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$170.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$180.00} XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$990.00}.
Product: Checking or savings account

PNC bank has failed to protect me as a customer someone hacked my account and made several unauthorized XXXX XXXX  transactions many of times I try to dispute this but the claim always get denied. 1st dispute I filled it out under the wrong dispute reason. When I tried to appeal it did not work out for me. I tried many times enough is enough. PNC is violating federal rules and failed to libe up to its " Zero liability '' protection policy. In addition I run my own business, have a family of XXXX children I cant afford to lose any funds stolen from me. I nees my funds returned to my account ending in XXXX ASAP
Product: Checking or savings account

From : XXXX XXXX Sent : Saturday, XX/XX/2020 XXXX XXXX To : Self XXXX Subject : questions for self about inquiries Will I still receive my credit card if my savings progress has unexpectedly gone down. I have attached below screenshots of my savings progress. 

Sun XX/XX/2020 XXXX XXXX : To receive the {$540.00} dollar plus cd interest after the 12 months can I upgrade to the 12-month plan? This is for cancelling my original plan.

After contacting the major credit bureaus, they informed me of how my credit score could be impacted.

Inside your account dashboard, your Savings Progress is the approximate " cash '' v
alue of your Credit Builder Account if it were closed out today. This amount will fluctuate often as your account interest rate is compounding ( interest calculated on the initial principal which also includes all of the accumulated interest of previous periods of a deposit or loan ).

While it may seem alarming to see your funds decreasing, your final payout, if the account is kept open until the original maturity date, will still equal the original loan amount if all payments are successfully submitted. Your funds are not 'disappearing ' they are applying appropriately to the interest amount. 

The formula for Savings Progress is : XXXX Principal ( loan amount with no interest ) - ( minus ) remaining loan principal - ( minus ) loan interest accrued to date ( minus ) outstanding fees ( if applicable ) - ( minus ) CD withdrawal fee ( if canceled early ) = Total Refund Amount
Product: Credit reporting or other personal consumer reports

I filed an identity theft report ( XXXX ) in reference to XXXX XXXX XXXX XXXX account which experian ignored. XXXX removed it but they didn't. I have sent several letters to them but they refuse to remove it. I'm presently looking to sue them in small claims court here in XXXX. Because now they have prevented me from even accessing my credit report from annual credit report by removing my address from credit file an acting like I don't have an address on file. There doing this to act like they can't verify who I am but I have seceral credit reports from them in the past that have my correct information such as. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have Experian.com account where my report hasn't been updated since XXXX XXXX XXXX XXXX. I've sent in copies of bills and my Id but they have consistently refused to do what they are obligetd to do by law which is to remove the account in question in violation of the law and they are suppose to only distribute information that is correct acting as if I don't have an address on file is complete fraud they are doing it to circumvent the laws that they don't want to abide.
Product: Money transfer, virtual currency, or money service

Sent a money transfer XX/XX/20MoneyGram states money will be received in minutes the reciever is yet to receive the money and it is XX/XX/20. The website state a refund can be processed if reciever hasnt received the money and I call a respresentative I was denied a refund. 
Ref number XXXX.
Product: Mortgage

they will NOT answer phone at all. Waited 2 hours. Trying to reach escrow which is wrong NEED to have a new one reran with accurate information. Called United States ( XXXX ) XXXX - XXXXMonday - Friday XXXX AM - XXXX PM XXXX and United States ( XXXX ) XXXX - XXXXMonday - Friday XXXX XXXX XXXX XXXX XXXX XXXX. Have been trying for days They do not answer on purpose until I file a complaint. What a waste of the CFBB and my time. They need to call me ASAP XXXX XXXX XXXX
Product: Debt collection

I dispute the accuracy of my credit report, specifically, the following accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The inclusion of these accounts not only inaccurately represents my credit history but also raises concerns about non-compliance with the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Student loan

Followed instructions to submit documentation to change my IDR plan. They say they haven't received it. I've been on hold for XXXX hours to fix this and they won't pick up the phone. This is a XXXX loan servicer, and they're incapable of servicing federal loans.