23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company showed up on my credit report stating that i have an account in collections for {$940.00} on one letter they sent and {$960.00} on another letter. I originally did a written dispute on XX/XX/XXXX letting them that this debt is not mine and that it needs to be deleted off of my credit report immediately.. ( The address and name does not match my name and address at all. ) i gave them 31 days to respond they never responded. i sent them another letter on XX/XX/XXXX stating that since they didnt respond to my first request that this needs to come off immediately. they eventually responded back and said that this debit is " validated '' and sent me a bill, which is not what i asked for in either one of my letters to them. They continue to report incorrect data on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Noticed 2 hard credit inquiries from Synchrony Bank on XX/XX/2019 and XX/XX/2019. 
I did not authorize these pulls. I suspected fraud. There were no details about the source, nature, or reason of the hard pulls. 
2. I Called XXXX and froze my credit 3. I Talked to XXXX to dispute these hard pulls. They are investigating 4. XXXX told me to call Synchrony Bank to find out the details and ensure no accounts or cards were fraudulently opened. 
5. I called Synchrony and they could not find any records of the hard pulls. They told me to call XXXX   to find out the details around the hard pulls.
Product: Checking or savings account

I spoke to the assistant bank manager regarding depositing ERC checks that came to my company XXXX XXXX XXXX XXXX XXXX. I already had an account with PNC under the parent company XXXX XXXX XXXX XXXX. I had the paperwork with me to open a new account for XXXX XXXX XXXX, so I can deposit the IRS ERC checks. He spoke to his bank manager about depositing it in XXXX XXXX. The bank XXXX told me that since the check was made out to XXXX I can make the deposit, I did the deposit on XX/XX/XXXX and the funds was released on XX/XX/XXXX. My account was frozen on XX/XX/XXXX, and I was told that it was under review. After, many attempts to get answers I am still being told its still under review. I have supplied all the documents requested by PNC, and I still have not access to my funds, 20 business days and I am still waiting with no answers. My small business has shut down because I can not access my funds to pay salaries, insurance, rent, bills, etc. I have no idea how long this will take before I can get my funds. The landlord already sent an eviction notice for unpaid rent. 

Please help, I have to pay my employees Thank you for your help. 

Respectfully, XXXX XXXX
Product: Credit reporting

The investigation came back that the tax lien belonged to me even though the social security numbers are clearly different. I had experian do the same investigation and they fixed it in two days. Equifax took three weeks to tell me it really does belong to me. I want this item removed.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX 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 months that are reported late 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 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 XXXX 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: Debt collection

I was a XXXX  customer for XXXX lines of my family. I decided to switch my cellular network service provider from XXXX to XXXX. I started communicating with XXXX and I owed them some amount on my XXXX of the devices. I paid those all and they unlocked those devices for me. 
As a part of new customer to XXXX, I got new devices for all my XXXX lines and I switched in my network on XX/XX/XXXX from XXXX to XXXX. 
Simply putting I was paying to XXXX starting from XX/XX/XXXX and I have that bill attached to this complaint. On page XXXX of my XXXX bill you can see ( Partial charge for 8 days : XX/XX/XXXX- XXXX XXXX ) that I started paying them for services starting the same date XX/XX/XXXX. This is proof number XXXX that XXXX should stop charging me from that date as I was not using their services but XXXX services XXXX 

Now proof number XXXX are the bills generated from XXXX in which they have generated bills for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. See attached XXXX bill page XXXX where they are showing the usage which is XXXX data, XXXX minutes of talk and o messages clearly proves that I did not use their services. This is their fault to generate those bills as I was not using any of their services. Their bills itself proves that I was not using their services as their bills are showing XXXX usage of data, talk or text. 

I am a layman and I know one thing. I pay for the services I use. For what technical reason XXXX keep billing for is out of my understanding. They have further this process and gave this case to a collection agency and the agency forward this case to a lawyer 's office. When I tried to reach attorney 's office and disputed these charges, the attorney office clearly stated that XXXX pushed that back and they will hard post this to my credit report and it will be there on my credit report for 7 years. 

Due to this reason my credit score which used to be in the range of XXXX is now at XXXX range and it is really painful to suffer for something which is not my fault. 

XXXX as a service provider proved that a loyal customer for few years should be penalized for loyalty and not rewarded. Such cases should be taken public so that consumers know before they make a decision to use their services. 

The law office who is handling this case for XXXX is " The law office of Maury Cobb '' and their office is situated at Alabama. Their contact number is phone # XXXX XXXX XXXX and the internal reference # to this case is # XXXX. 

I thank you all for your time and support in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

CLIMB CREDIT pulled my credit without my authorization.
Product: Bank account or service

I am having a problem with simple bank and there where fraudulent Activity from  XXXX  in my Account there was a complaint Filled for this before and yesterday   XXXX   XXXX   XXXX     Simple Closed My Cheecking Account for no Valid Respond. And I spoke to Simple Support team and the Agents wo n't talk to me or Provide me any Informal about my account why it was blocked and closed this is Illegal and what this bank is doing its Againts Customers Policy its not my fault there is fraud Activity and what the bank is doing is discriminating me Please Helo ... And I get   XXXX   XXXX   Benifits on this account it 's not fair what this bank has done to me I want for simple to returned all my ACH Checks back to my Payer or Sender please help.
Product: Debt collection

Hello, my name is XXXX XXXX, I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : XXXX XXXX XX/XX/2022 {$970.00}
Product: Debt collection

Ive previously filed a complaint with this company! That is reporting I allegedly made a late payment in XXXX in which I had not made a payment on an account that has been considered closed since XXXX. American Credit Acceptance continued to report late payments on a closed account which goes against the FCRA. 

To say I voluntarily surrendered a vehicle in XXXX but to say I XXXX a payment in XXXX shows that they a falsely reporting information. Ive also had an address to be added onto my credit report that I have no knowledge of and never lived at that I can not even remove because this company has found an address and decided to falsely add it onto my credit report. 

If a CRA violates the FCRA, consumers can seek legal remedies. Which will be the case if this doesnt get resolved immediately by removing this from my credit report because you failed to even report accurate information that has gotten in the way. I never lived on XXXX XXXX, the address doesnt even exist. I now have an address on file that I can not explain to my new leasing agent. Ive attached the copies!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX notified me of an inquiry on my Equifax credit report. When I contacted Equifax on XX/XX/2021 dispute this error, they closed the dispute within twelve hours, responding that it was a factual record of file access. 

I had informed Equifax that I never authorized a credit report " pull '' to XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) nor have I authorized Any company to pull my credit in the last 180 days. They chose to ignore my pleas that this access is fraudulent and my concerns that it will be used to commit fraud that may cause monetary damage to me. 

Equifax has offered to sell me a product that notifies my by text message for $ XXXX/month as a remedy to this dispute. I need the CFPB 's assistance to remedy this issue and prevent this from happening to other consumers. 

I have also contacted XXXX XXXX, XXXX but there is no way to get a hold of a human being so I left a message. 

Please help!!!
Product: Money transfer, virtual currency, or money service

Unresolved dispute with Navy Federal Credit Union and seek your assistance in reaching a resolution as soon as possible. Utilizing the services of Navy Federal Credit Union, a total of XXXX USD was transferred from my account to the fraudsters impersonating a legit XXXX XXXX through Crypto.com using trickery, manipulation, advanced money extraction techniques, and lies.
Product: Student loan

I made payments to my direct loans with Mohela during the Payment Pause period starting on XX/XX/XXXX. I called my loan servicer and was informed that I am eligible for a refund for all payments that were made during the Payment Pause period. I was told that the process will take 60 days or more but most likely the latter. I am also eligible for the One-time Federal Student Loan Debt Relief and was told by my servicer that the refund I am eligible to receive will reinstate the loan balance that was paid during the Payment Pause period. However, the loan servicer could not provide any confirmation that my refund has been confirmed either via email or confirmation number. They could not provide any information that my reinstated loan balance, after the refund has been dispersed, would be forgiven prior to the end of the extended Payment Pause date on XX/XX/XXXX.
Product: Credit reporting

The information that is being reported to my credit report is incorrect. Credit reporting agency will not give source of information to verify. Shows XXXX state tax liens and bankruptcy. I have repeatedly disputed this information and continue to get the same answer without a source. I have contacted the Clerk of Superior Court and they state that they do not report to credit bureau.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 it's been 60 days and they haven't reponded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am victim of equifax data breach. XX/XX/2024 i send a letter regarding inaccurate and unknown things on my report its been mor than 30 days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed. From my report as per FCRA section 611A. 
I surely was a victim of the equifax date breach
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with the ongoing presence of a fraudulent account on my credit report. Upon reviewing my credit report, I discovered accounts that do not belong to me. Therefore, I request the removal of these accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I request that you conduct an investigation into these accounts and promptly remove them from my credit report. Please inform me if you require any additional information or documentation from me to facilitate this process.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be updated from my file right away XXXX XXXX XXXX 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: Mortgage

I paid my mortgage payment into Associated Bank during working hours within 30 days. They accepted payment within 30 days, however administratively, posted the payments XXXX day and reported me late to the XXXX agencies. These payments I am referring to are for the months XXXX and XXXX XXXX. 

I believe they violated Regulation Z and X. 

Regulation Z for Mortgage Loan payments states : RULES FOR MORTGAGE LOANS Crediting Payments as of the Date of Receipt Section XXXX ( c ) requires loan servicers to credit a payment to a consumer 's loan account as of the date it is received. However, this does not mean that servicers must physically post a payment on the date received, provided the consumer is not penalized by the delay in posting. In other words, a servicer can have a delay between the time it receives a payment and posts it to the consumer 's account, as long as the payment reflects the date of receipt when it is credited. The distinction is important because it may not be operationally feasible for a servicer to post a payment on the date it is received. Comment XXXX ( c ) ( 1 ) ( i ) -1 of the Official Staff Commentary ( OSC ) for Regulation Z clarifies this point : A servicer that receives a payment on or before its due date ( or within any grace period ), and does not enter the payment on its books or in its system until after the payment 's due date ( or expiration of any grace period ), does not violate this rule as long as the entry does not result in the imposition of a late charge, additional interest, or similar penalty to the consumer, or in the reporting of negative information to a consumer reporting agency XXXX emphasis added ).
Product: Checking or savings account

On XXXX filed a complaint with PNC Bank that unauthorized checks were cashed by a XXXX XXXX ON DATES XXXX XXXX. A POLICE REPORT WAS FILED IN BOTH XXXX WHERE I LIVE AND IN GEORGIA WHERE MY SON XXXX XXXX XXXX LIVES. THE bANK REFUSED TO REFUND MONIES STATING WE WERE A FEW DAYS LATE NOTIFYING THEM. PRIOR TO THIS, I HAD XXXX XXXX XXXX ON XX/XX/XXXX XXXX '. FOLLOWING THAT XXXX  MY HOME WAS HIT BY A TRUCK AND WAS DETERMINED TO BE UNLIVABLE. FOR A YEAR, I LOST EVERYTHING AND HAD TO MOVE INTO TEMPORARY HOUSING TILL XXXX OF THE FOLLOWING YEAR AND SOMEHOW I DIDNT CATCH IMMEDIATELY. I HAVE ALL DOCUMENTATION.EVERYTHING. THIS YEAR IT OCCURED TO ME THAT MAYBE I SHOULDNT HAVE TAKEN THEIR ANSWER AS FINAL BUT IN ALL HONESTY I WAS PRETTY BEATEN DOWN AT THE TIME, I THINK PROVEN FRAUD SHOULD BE UNACCEPTABLE ESPECIALLY WHEN THE POLICE SOLVED THE CASE. I WANT MY MONEY BACK. IT'S THERE FAULT. THEY DID NOT PROTECT MY FUNDS ENTRUSTED TO THEM. ITS LIKE BEING ROBBED TWICE. CAN FORWARD DOCUMENTATION
Product: Mortgage

As a XXXX-year old wife of a XXXXyear old husband, I had, in XXXX XXXX, 2004, and, currently, have an interest in a second home XXXX. My husband took out a loan on this second home in XXXX of 2004 as a married man, and was in title under the same. I have come to find out that my name should have been acknowledged and my signature added to the Borrower 's Affidavit as an interested party who may assert a claim and it was not. I am now in a divorce and was not made aware of this debt until recently which has put me in a compromising position that will ultimately affect my retirement savings.Technically, my husband 's homestead is in XXXX the jurisdiction of the divorce. For this reason, I would like to speak with someone about the falsified Borrower 's Affidavit and how this issue can be resolved. This is a residential property and I should not have to obtain counsel. I note that the title company that handled this loan closing was XXXX and currently their status is " forfeited ''. 
Thank you.
Product: Debt collection

I was sent a letter from ECMC Group where I was given the option to " request a hearing in front of a judge '', on supposed student loan debt of over {$70000.00}, or they would proceed to have what little monthly income I make garnished. Note that my original loan amount in XXXX was only for {$18000.00} and I had paid a lot of that back. I have been barely working part time over the last several years and even had a recent bankruptcy to save our meager home from being foreclosed. How is it possible that " maybe $ XXXX {$10000.00} '' has become over {$70000.00}! There 's no way I 'll ever be able to pay this. I 'm at the point where I 've even considered XXXX. I have applied for many, many, jobs over the last several years and the prospective employers ca n't confirm my XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, CA, where I graduated in XXXX. XXXX went out of business shortly after I attended. It 's like they never even existed! I think the perspective employers think I lying about going to school? The diploma is 100 % invalid. I 'm hoping to have the student load debt discharged. {$70000.00}? 
I was given a form from ECMC Group to fill out for a hearing in front of a judge. I had the option of emailing it back to them ( ECMC ), which I did promptly. I never heard anything back. Well, the only company that I get some work from notified me that my wages were being partially garnished by ECMC Group 2 1/2 months ago. WHAT HAPPENED TO MY REQUEST TO A HEARING? They defaulted on my hearing. 
Now, of coarse I 'm not working at all. The one company I had to put at least a little food on the table has n't called me in over a month. 
I have proof I emailed the request back to them. It did n't " bounce back ''. They got it and ignored it on purpose. 
They broke the rules and I think that alone should clear me of owing any more on this ridiculous fraudulent insanely overstated loan. Needless to say I 'm also unable to confirm I ever went to school. 
Note that in the form it has the option listed that I can email the form to them. 

See attached proof I sent the email. 

Thank you for your time in this matter, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on Experian with my name, in which is being reported inaccurate let alone no inquiry to support its a legitimate account of mine. Account has no inquiry to support the account. Due to error and inaccurate account Experian has failed to provide information of proof account belongs to me. Experian has no document or contract to verify the account. Ive reached out on numerous occasion by phone to Experian and they have transferred me to different departments in which there staff has not been pleasant to resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses listed below are incorrect and do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX The names listed below are incorrect and do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase denied a claim after I reported it was a scam/fraudulent and refused to recover my money from scammer. The XXXX XXXX lied to me about the authenticity of XXXX plates I purchased using their website on XX/XX/2021. I reported the transaction to Chase within minutes and asked them to reverse it because the seller refused to cancel the transaction when I asked ( minutes after I placed the order ). Chase still paid them! I reported to Chase that I received these counterfeit plates even when I asked countless of times not to send them to me. I was told to supply evidence the plates were counterfeit and that my claim should reverse accordingly. I submitted all the evidence proving they were counterfeit and Chase still went ahead and paid The XXXX XXXX {$500.00} for these counterfeit XXXX plates. Its a Federal crime to sell counterfeit goods and I shouldnt be scammed out of my money without Chase owning up to their promises and asking me for all these extra documents and things. Id like a full refund of {$500.00} dollars.