23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a wage garnishment order ( XXXX ) from my employer dated XX/XX/2022 from XXXX. Prior to receiving this notification I had no previous contact or notification from XXXX. I contacted them to request a dispute several times due to the amount of interest and fees I the amount of {$7000.00} on a credit card bill with a balance of {$3500.00}. I think that is very excessive seeing what they most likely paid for the debt. I never received any information that would allow be to file a dispute. I have also requested a hardship form be sent to me several times which I have not received. There was never a judgment filed that I am aware of. My pay is now being garnished to the tune of over XXXX a month which is putting my other bills behind and I am also in jeopardy of losing my job because of this.
Product: Credit reporting or other personal consumer reports

It was in the middle of covid and they Put me through a payment program where they will not charge me any interests. And they'll not put on my credit reports. Any late payments and I end up seeing late payments on my credit report.
Product: Student loan

The loan is through PNC and serviced by XXXX XXXX XXXX. On XX/XX/XXXX I submitted a loan modification application, which was immediately denied for a few reasons, one of which was not submitting pay statements for myself and my cosigners. The issue with that is the language on the application is vague, saying : Required Materials : XXXX may require you to submit financial statements. When questioning this with XXXX on the phone a supervisor agreed that this was ambiguous. I had to submit a new application, and did so on XX/XX/XXXX. This was denied, because on the financial statement for myself and my cosigners they have a line for a second employer and second income. We left that black, because none of us have a second job - however, PNC apparently requires something in every field or the loan is denied, even though that was never communicated to me either by a representative or on the application. I now have to submit the application a third time, but now the loan is 30 past due and I risk negative credit reporting. I feel as though PNC and/or XXXX is making this process intentionally difficult.
Product: Credit card or prepaid card

I was given an offer for XXXX XXXX  points if I spent XXXX $ in the first three months of account opening. We received our card and spent the pre-requisite XXXX $ but never received our promotional offer. We tried to contact Chase multiple times to resolve this issue. The first time we called was 3 months after account opening, after which we were told we would receive our promotion in a week or so. That time passed so we called again and were told the same thing. After waiting 5 months after account opening and not receiving our promotion, we called back and had chase submit a form to their marketing and promotions team to honor our offer. After a couple weeks, Chase sent us a letter saying we were never eligible for the offer which is a mistake or a lie. I told them I have a picture of the credit card promotion that was offered to me and I submitted the picture as proof. After a few weeks of reviewing the picture, Chase still denied to give me the promotion that was offered.

I have exhausted all avenues and months of time/effort in getting this resolved through the credit card company but they refuse to honor their promotional offer. I feel as if I have been the victim of a predatory loan and false advertising. I told them I will be exercising my right to withhold payment until this dispute is settled. I have attached a picture of the promotion I applied for.
Product: Debt collection

Reporting XXXX different balances. I was informed the extra balance is a " collection fee ''. I have never heard of this.
Product: Student loan

My mohela account number is incorrectly reported on my credit report and this is causing issues with underwriting my mortgage. Please fix this ASAP and reflect the correct balances ( {$0.00} ).
Product: Debt collection

This is yet another complaint about the repeated efforts of ERC/XXXX to collect an alleged which I contend that I DO NOT OWN OR THAT WAS AUTHORIZED BY ME. 

My original complaint was filed on XX/XX/2018. The complaint # is XXXX. I have and will continue to contend that this account was not opened or authorized by me and take great offense that ERC is once again contacting me with language indicating that they have been authorized to report the account to the national credit bureaus thus damaging my credit further. I am already been actively fighting to resolve issues from multiple breeches of my personal info. 

I am again disputing this alleged debt and demand that ERC cease collections. ERC has violated my rights under the FDCPA last year by reporting a debt to the credit bureaus that I had actively disputed. I should have filed a class action lawsuit then but backed off when ERC removed the entries from my credit report. 

This time reporting of this disputed alleged debt to the credit bureaus will most definitely result in a lawsuit.
Product: Checking or savings account

I want to report an incorrect transaction done at the local branch o f Third Federal on      XX/XX/XXXX . My I R A  CD  has matured so I requested it closed and the funds to be deposited into my IRA Savings account. The teller seemed to be having major difficulties with this transaction by initially treating it as a regular CD ; this in itself speaks volumes. Finally all said  and done, the IRA CD is closed and the funds are moved to the Savings IRA account, only this transaction was entered as a Distribution rather than a Rollover. My pleas were largely ignored and the teller kept on saying that since I made a withdrawal, this is a distribution, period. I was even asked whether I wanted the taxes withheld.   <P/> Apparently this teller is n't very knowledgeable about the I RA Rollovers. Ac cording to the IR  S 60-day rule, if I take funds from one IRA account and deposit into another IRA account, this is a Non-Taxable IRA Rollover, providing I do so within 60 days. In my case, it was a matter of a few minutes, yet the transaction was erroneously entered as a Distribution. Now I am on my own to try and prove the opposite to the IRS ; I believe the fees start at {$500.00}. This is n't fair.
<P/>
In the past, I 've done a few rollovers, and never a problem up until now.
<P/>
I am asking you to please step in and help correcting this mistake. I am requesting the status of the transaction to be changed from distribution to Rollover in accordance with the IRS 60-day rule. I did email the bank but have n't heard back from them.
<P/>
Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> around XXXX XXXX I remitted {$3200.00} to a friends account at XXXXXXXX XXXX based in XXXX using a financial service called Remitly and the transaction was confirmed as complete. But after I sent a confirmation to my friend he noticed that I had made a mistake of the banks name - it was supposed to be XXXX. Remitly currently only services two banks in XXXX XXXX and XXXX. 
I called them to inform them that there was a mistake in the recipients bank and they promised to get back to me within 24 hours. After 48 hours I called them and they told me there is nothing they can do as the recipient had received the money already. I asked the recipient to go and report at XXXX XXXX  in XXXX and they informed him that if the money was wronged sent to that bank, they will return it to the sender. I called Remitly at least XXXX times and they kept me giving me a run around and finally one agent asked me to provide the recipient bank statement to show that he did not receive the funds. I uploaded the statement and he promised to get back to me within 24 hours. He never did. I called them, and they assured me the recipient bank had acknowledged receiving the money and will be reversing the transfer and I should call back within 24 hours. I called back and they told me there is nothing they can do. I actually have the text communication I had with them. This has been a huge inconvenience on my part and I dont think this company is willing to resolve this issue. The money was sent to a wrong bank and there is no way the recipient got the money and I pray that you can help me recover my money from this company. I have asked to speak to a supervisor at least 10 times and they keep saying they are busy. This customer has the worst customer service and if they can answer basic questions and resolve issues, they should not be allowed to handle peoples money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not retrieve my pin or unfreeze my credit, despite me supplying all of my information correctly multiple times
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I called the Mortgage company to help with the setup of my online account profile and to establish the automatic payment on my account. I later found out in XXXX that the autopayment that was supposed to be setup by the mortgage company failed. As a result, a mortgage payment was missed. I was not informed that the autopayment did not process and was only notified by the mortgage company after the payment was 30 days late and they proceeded to start collections. After receipt of a letter from the mortgage company of the nonpayment, I immediately brought the loan current and asked the company to review the customer service calls that I placed to establish the autopayment, but they did not and I further asked that after review that they remove the negative remark from my credit report - due to the fact that the mortgage company employee that setup the autopayment failed to successfully setup the autopayment on my account. I have acted in good faith to try to resolve this with the company, but an unable to seek a resolution of for the company to acknowledge the customer service phone call that was made to establish the autopayment. As a result of the refusal to review the call logs my credit has been negatively affected and I am unable to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate and was opened fraudulent and is not mine remove immediately.accounts are as follows XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending in disputes to Experian and XXXX regarding validating this bankruptcy because I saw inaccuracies and unauthorized public displays on how it was reported on my credit reports. Each time the bureaus sent me back a letter stating that the bankruptcy was validated with no proof of validation. So I did a little investigation myself and I wrote to the bankruptcy court to see if maybe the credit bureaus were not being honest in their methods of validation. They sent me a letter back stating that they do not disclose that type of information to XXXX, Experian, or XXXX. So technically all 2 credit bureaus lied to me about the validation even taking place. REPEATEDLY. XXXX is not even reporting it because they know it is a violation. I found this excerpt regarding the following information that is reporting : BANKRUPTCY DOCKET # XXXX According to the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding the procedures of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available Please note, a third-party furnisher of information, such as XXXX XXXX XXXX or an alleged creditor does not meet the standards set by the FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) ONLY the Bankruptcy Court should be the furnisher of information, not a third-party source. According to the bankruptcy court ( letter attached ), they do not verify bankruptcies with credit bureaus. demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or deleted the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). The bankruptcy that is listed under DOCKET # XXXX  needs to be removed from my Experian and XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In purchased a pair of custom dressage boots from XXXX XXXX and used XXXX ( Affirm affiliate ) to pay for them. The boots were never delivered and XXXX XXXX agreed to refund my money, but never did. Affirms policy was I had to resolve the dispute with the vendor 60 days after purchase. I filed a fraud claim with my bank and 3 of the 4 payments were returned. Affirm then said the bank took the money from them and I owed them. A dispute was opened, documents were provided and they never responded. I now have a collections request from True Accord saying I owe Affirm twice what Affirm says I owe them. 

I followed Affirms policy and Im being asked to pay for a product I never received nor was fully refunded.
Product: Credit reporting or other personal consumer reports

This marks another instance of reporting identity theft victimization. Pursuant to the Fair Credit Reporting Act Section 605B ( a ), it is imperative that you promptly remove any items opened without my knowledge, consent, or authorization within four business days upon receipt of ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a declaration from the consumer affirming the information 's non-association with any transactions. The following fraudulent items necessitate removal : EXPERIAN : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you assert the accuracy and verifiability of these items, I request documentation bearing my signature. However, I maintain that no such documentation exists. In the absence of signed agreements, I urge the removal of these items from my file. It has come to my attention through research that you have a pattern of non-compliance with the aforementioned FCRA statute. Should you choose to disregard my request for account removal, I will be compelled to involve legal counsel. I implore you to avoid escalating this matter into a legal dispute. Additionally, I emphasize the urgency of removing any items or information resulting from alleged identity theft within the stipulated four business days. I do not consent to E-OSCAR or any form of automated verification.
Product: Credit card or prepaid card

I was approved for a charge card with American Express in XX/XX/2020. The card has no preset spending limit, however for the last several months I have had ongoing issues using my card and understanding my credit limit. I have used my card numerous time and it has been declined, which quite embarrassing when using it in a public place. In addition, I receive ongoing emails about how future purchase may be declined, when I have a low balance. I need to feel comfortable using this credit card.
Product: Debt collection

Trans World Systems Inc has reported the same debt 3 times to my XXXX credit report once on XX/XX/2022 and then 2 more times on XX/XX/2022 for a {$120.00} balance. 

They have not provided me with any notice of the collection efforts or a way to request validation of the debt. In fact they have not communicated with me at all and I only learned of the debt through XXXX XXXX XXXX XXXX feature. 

This is extremely unfair and unethical. I want these accounts removed from my credit report as reporting the same debt multiple times is fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX was never late! I have had exceptional payment history witH capital one 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 15 US 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint about the negligence of the XXXX Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate accounts that I want them to correct : XXXX XXXX XXXXXXXX Balance Owed : {$33000.00} ; XXXX XXXX  XXXX Balance Owed : {$33000.00} ; XXXX XXXX XXXX Balance Owed : {$33000.00}.
Product: Credit reporting or other personal consumer reports

Someone used my identity for inquiries which I had no idea about and some XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting countless CFPB complaint to request the removal of the fraudulent items from my Credit Report. But despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance 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. Under the FCRA section 605b, I am ordering the Credit Bureaus to DELETE the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX XXXX Balance - Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Date opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY WAS RELEASED FROM XXXX 2 YEARS AGO AND I HAVE FRAUD ACCOUNT IN MY NAME I WAS IN XXXX FOR A TOTAL OF 8 YEARS