23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX, Receivable Performance received my request of dispute in their office at XXXXXX/XX/XXXX, per USPS tracking system, by certified number XXXX. To this very day they have ignored my request by not validating their claims of the money allegedly owed and the one month agreement they say I entered. I know that things are a bit slow becasue of the pandemic but they have passed the extra time to reply to me. Silence means they do not have adequate evidence to support their reporting and collection. Despite them not validating their claims, they continue to report the account to the credit reporting agencies amid collection and reporting laws.
Product: Mortgage

On XX/XX/2022, I paid {$580.00} to XXXX XXXX XXXX, for an appraisal on my house, for a refinance conventional mortgage with PenFed Credit Union. I have never received a completed appraisal. PenFed claims the XXXX will not sign off on an appraisal until alterations are made to the property. This was not agreed upon prior, and if they will not complete the appraisal, a full refund should be issued as they will not be fulfilling their obligations. The mortgage company refuses to move forward with a completed appraisal, which the appraisal company, which was chosen by PenFed refuses to complete.
Product: Checking or savings account

On XX/XX/2018 my account was compromised, all of my money was transfered from my checking account into a prepaid debit account managed by Fifth Third bank called Access 360. During this time I placed a block on my Fifth Third Checking account. With this block in place automated payments for bills were charged to this account and I was subject to overdraft and item return fees. A total of XXXX  USD was subtracted from my account in reference to these automated payments due to no funds being available after my account was compromised. On the XX/XX/XXXX I contacted customer service the moment I notice the money was stolen and filed disputes. They have told me it is an issue with the prepaid card service Access 360 which is linked to my Fifth Third account. Since this has happened I have still yet to receive my funds back but now I have a total of XXXX dollars remaining in overdraft fees a total of 5 fees were assessed to the account in which 3 have been reveresed or returned, leaving the remaining overdraft balance to be XXXX dollars. I have contacted Fifth Third which they told me I needed to speak to disputes and disputes said I need to speak to customer service. All of which have said they can not reverse these fees. The fees are only there due to my account being compromised I had funds available before money was stolen and even then I blocked my account to avoid any transactions from being made yet they still took place. When speaking with customer service they had no interest in helping me only saying I need to speak to the dispute department which disputes said they can not dispute fees. I have a financial institution that has not been able to assist me with this account takeover.
Product: Student loan

Navient has been harassing and threatening me and my parents over the past few years. They call up to 10 times a day, sometimes not telling us who they are, and often call repeatedly during the weekends. I sent Navient a cease and desist letter, and received a response from their Ombudsman 's office that all phone communication would stop ( this was done in XX/XX/XXXX ), but today my parents reported to me that they are still calling repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported a hack of some 143 million users ' private personal information today, XXXX XXXX, 2017. According to the website Equifax provides for checking if details have been exposed, I am among the victims. They have exposed my name, home address ( es ), social security number, driver 's license number, and other details. 

This leak compromises not only my personal credit, but potentially any and all banking services I use, as an attacker can potentially use this exposed information to gain access to my personal banking accounts, or other accounts that depend on verification of these details.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me. XXXX - XXXX XX/XX/2022
Product: Checking or savings account

I deposited a check for {$10000.00} on Friday XX/XX/2022. 
Check cleared the bank that the check was written from on Friday XX/XX/2022. 
Truist put a hold on my check on Saturday, XX/XX/2022. 
I waited a few days, then called customer service. I was told the hold was due to " doubtful recovery of funds '' and was told to go into a branch with the check to possibly get the hold removed. 
I went into branch with the check and was told that if I could provide proof that the check had cleared, that they could remove the hold. 
I emailed proof of the clearing within 2 hours of being in the branch.

The branch leader called me the next day after I sent another email asking for an update and said that it would be done. 
Today is Monday XX/XX/2022, the day my funds were originally supposed to be available and I still do not have the funds.
Product: Debt collection

I received a letter from XXXX collection agency stating that I owe them money. I sent them a letter to only contact me via mail and not to call me or my employer. Since I confirmed delivery of the letter I received 1 call a day and my employer is also receiving 1 call per day. I would like this to stop and for them to follow the law.
Product: Credit reporting or other personal consumer reports

I have discovered several inaccuracies on my credit report and have formally demanded that Equifax immediately investigate and correct the following discrepancies, as required by U.S. law under the Fair Credit Reporting Act ( FCRA ) : Incorrect Payment History : I found that certain accounts, including from XXXX  and XXXX  XXXX, are inaccurately reporting late payments when, in fact, I have never been late. I have requested that these accounts be updated to reflect " paid as agreed '' or " never late, '' in compliance with 15 U.S. Code 1681a ( 2 ) ( i ), which governs exclusions on transactions. 

Debt Validation Requests : Several accounts, including those from XXXX XXXX XXXX, XXXX XXXX, and T MOBILE, have not provided sufficient proof of the alleged debts. In accordance with 15 U.S. Code 1692g, I have requested that the debt collectors provide documentation validating these debts, including the original contracts and any other relevant proof. If they fail to provide the necessary documentation, I have demanded the removal of these items from my credit report. 

Unauthorized Hard Inquiries : There are unauthorized inquiries from XXXX XXXX, XXXX, and XXXX that I have requested to be deleted, citing 15 U.S. Code 1681b ( a ) ( 2 ), which limits the permissible purposes for consumer reports.

Incorrect Personal Information : I have also disputed incorrect addresses listed on my credit report, specifically in relation to two addresses in XXXX, SC, which do not belong to me. 

Under the FCRA, 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and correct any inaccurate or incomplete information within 30 days. Failure to do so is a violation of federal law, and I have warned Equifax of the potential for legal action if they fail to meet their obligations. Furthermore, I have cited previous case law, such as XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX, which emphasize the need for credit bureaus to conduct thorough investigations beyond superficial checks. 

Should Equifax fail to resolve these issues within the legally mandated timeframe, I will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), or pursuing legal remedies. I expect a full investigation and written confirmation of their findings, along with an updated credit report reflecting the necessary corrections. 

I have made it clear that I will not tolerate any delays or negligence in addressing these matters.
Product: Mortgage

XX/XX/XXXX we received notice that SunTrust ( Now Truist ) did not received our monthly payment. We had changed where the payment was being sent to as our bankruptcy had completed and now we were to send the payments to a different processing center. Our XX/XX/XXXX payment was processed as a total principle payment and not applied to the monthly payment. This has occurred each month since, and we have had to call them each month to move the money to be processed correctly since. They have the payments ahead of the due date. We have asked for this to be correctly processed and not make this a habit that we have to call them to do their job correctly each month. This is now a FIVE month continuation of the same problem. There has been no fix to the process other than after we call them. We have checked to see if the payment is being sent to the correct place and it has been verified each month as being sent to the correct location. We will be calling them again today to fix the XX/XX/XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been  performed for a reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$570.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXXXXXX {$570.00} XXXX XXXX  XXXX {$940.00}
Product: Debt collection

account closed XXXX date last paid XXXX account charged off account written off account still has {$520.00} balance reporting on my credit report no reported notice of dispute re aging old collection XXXX consecutive charge offs reporting up until currently manipulation of the statute of limitation it is important to have accurate information that shows my true credit history
Product: Credit reporting or other personal consumer reports

There is a FRAUDULENT item ( XXXX XXXX XXXXXXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Product: Checking or savings account

I have a business checking account with Chase Bank, and about 20 days ago they've closed our account and promised to send Cheque within 10 days after account closed. In last week, we send some merchant statements to Chase branch Manager and Ive never heard back from anyone yet. 

They holding XXXX USD total and they killing our business down to earth. If i had chance, i would burn XXXX XXXX into XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. 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 XXXX Balance : {$82000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$13000.00} XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$140.00} XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I have made contact with Experian, XXXX and XXXX 45 days prior to filing a complaint. I have yet to receive a response. 

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 

Accounts : XXXX XXXX Bankruptcy XXXX I have made contact with the court house and they have reported to never filing a XXXX  XXXX Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's dispute system is broken. I've repeatedly attempted to submit disputes and I continue to get disrupted by bizarre errors, timeouts, and malicious user interface design. It appears to me that Equifax is deliberately making the dispute process difficult if not impossible.
Product: Checking or savings account

Hi, I am filing this complaint because I am not able to reach certain department of the XXXX XXXX to solve a verification issue which cause my bank account to be on hold. 
I received a email from the Security & Fraud Risk department asking me to call back to solve a issue, with a reference Number XXXX XXXX. I called the number according to their instructions for several times, but its impossible for me to reach this department. I had to hold for more than 2 hours once. 
I need access to this bank account as soon as possible. And XXXX XXXX   should call me as soon as possible to solve this since they failed to provide a way of communication. My phone number is XXXX XXXX.
Product: Credit card or prepaid card

On my statement from Synchrony, they only list a seven year payoff amount at minimum payments. They do not reflect a payment for three year payoff, as required by the credit act report. When I called, they did not have an answer to my inquiry. I would like to know what my payments would be for a three year payoff so I can budget accordingly.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, i mmediately : XX/XX/XXXX
Product: Vehicle loan or lease

Dealer manipulated the price of the vehicle, i asked for pay off was given a total and i have passed that total by XXXX and they are saying it's interest, but none of this information was given at the time of purchasing the car. They increased the principal balance of the loan. I'm defaulting on a loan that i have been paid for. My contract date started XX/XX/XXXX with the account balance at XXXX so from XX/XX/XXXX at {$480.00} a month until XX/XX/XXXX at XXXX with a APR 21 %. Never was provided with Disclosure statement or break down of interest rates being so high other than a final payout and i've been payed over what i signed for!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FRAUDULENT INQUIRES ON XXXX, XXXX, AND EXPERIAN THAT I HAVE NO KNOWLEDGE OF THESE INQUIRES ARE FRADULENT AND I DIDNT DO INQUIRES ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I initially purchased a double recliner sofa from the merchant XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX for {$4000.00}. I was offered by the merchant XXXX XXXX to finance this purchase by applying for a Synchrony credit card, which I opted to do. A new Synchrony credit card was opened under my name and I authorize the {$4000.00} charge on my newly created Synchrony credit card account. 

I returned to the merchant XXXXXXXX XXXX to purchase a twin mattress and day bed for {$1100.00} on XX/XX/XXXX. I did NOT use my synchrony credit card for this purchase and used my XXXX XXXX credit card to finance this purchase of {$1100.00}. 

I had a dispute with the merchant and reached out to XXXX XXXX to settle the dispute. I believed the matter to be resolved and closed. 

On XX/XX/XXXX, I received a transaction amount of {$1100.00} on my synchrony credit card. I never authorized synchrony to charge this amount to my Synchrony credit card. I called Synchrony on XX/XX/XXXX to inform them I never authorized the merchant XXXXXXXX XXXX  to charge this purchase to my Synchrony credit card account. Synchrony informed me that they opened up a dispute claim and that I would be inform in 60 days regarding the dispute claim. 

On XX/XX/XXXX, Synchrony emailed me to state that they declined the dispute, siding with the merchant XXXX furniture and stated that I would be responsible for the disputed charges. I called Synchrony on XX/XX/XXXX twice and I tried to ask them how could Synchrony charge me for a purchase I did not explicitly authorize. I reminded Synchrony that the merchant had charged me {$1100.00} on XX/XX/XXXX for the purchase and I never used my synchrony credit card on XX/XX/XXXX for the {$1100.00} transaction. And I mentioned that it did not seem legal that synchrony charged me on XX/XX/XXXX for the {$1100.00} transaction, which was nearly two months after my original purchase date. Synchrony representatives stated that they can no longer assist me with this dispute since it was marked closed and I would be responsible for this charge.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX 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: Debt collection

On XX/XX/XXXX I sent Midland Credit a letter asking for information on this debt along with a signature showing this debt to be mine. I explained that this debt I contacted XXXX XXXX XXXX in XXXX and filled an insurance claim for the loss of my job. I asked them why they have it when XXXX XXXX was supposed to have been getting the minimum payment dues. 

They could not explain that and then told me to contact XXXX  XXXX which I have tried to do to ask why my insurance has not been paying the minimum bill and keep getting sent back to midland. 

So while talking to a manager at midland she pretty much asked me why I was a piece of XXXX and didn't pay the bill and why I didn't feel bad not paying my debts then told me it didn't matter why I lost a job I should work anywhere to pay it. I tried explaining I had a loss of income and couldn't pay it she then told me that they would be reporting this showing negative and it would ruin my credit to get rental housing or credit with any company until I did. 

I have requested documents showing the insurance was not paying the balances, I have requested in writing from XXXX XXXX a reason for my insurance not making minimum payments and keep being told to deal with midland credit that they can answer it. 

Midland says I owe XXXX but 1 phone conversation with XXXX XXXX told me that midland purchased this debt for {$100.00} and should not be asking for {$910.00}. I then requested all documents of purchase and who sold the debt including who at XXXX XXXX they contact with this debt and only receive the bills which I believe are wrong.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 my account 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 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: Bank account or service

I had over {$1000.00} on my savings account. The next time I went to an ATM to withdraw money, I had less than {$500.00}. This has also happened before, where my withdraws do not add up.