23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 Dear to whom it may concern, Thanks so much for contacting me and bringing this matter to my attention. I want to get this matter taken care of as quickly as possible. To whom it may concern, I recognize your monthly statement is an offer for me to pay the bill. And I am happy to pay it immediately upon you providing me proof that my signature and note did not pay my account statement in full at the time of closing. By the way, To whom it may concern, please feel free to take me to court because there, I am sure the judge also would love to see your proof that the account was not fully paid at closing. One more thing, To whom it may concern, I noticed your monthly statement had an all caps name on it. That is not my name as my name is written in an upper- and-lower-case grammar style. Im sure the judge would like to see your proof of why you are breaking Federal postal law by writing to me using a fraudulent and fictitious name that is not mine.
Product: Checking or savings account

Ref : My business account # XXXX with Chase Bank With reference to the above account, I received a text from XXXX on XX/XX/year>, at XXXX XXXX  asking if I authorized a {$1000.00} charge and then saying that a wire transfer of {$30000.00} was initiated on my account. I ignored it as there were so many such fraudulent messages coming. Chase Fraud department ( The number said Chase XXXX ) called me at XXXX XXXX  saying that wires of {$30000.00} and {$19000.00} were being initiated from my business account and I needed to stop it. I spend time in the car, as I was driving, to cancel out the wires. 

Then they said that since the XXXX seemed to have been compromised I needed to speak to the Online Department team to fix this. I was transferred to XXXX in that department. 

He seemed to run a virus check and said that due to this problem, my account will be frozen for 60-90 days for investigation to happen. He suggested that I withdraw the money I have in cash and deposit it in Chase drive-up ATM in an escrow account and he will put it in the new account as soon as he created one. 

Believing him to be a Chase employee, I withdrew cash from my account to the tune of {$90000.00} and deposited through the Drive through ATM in the Chase branch at XXXX XXXX XXXX, XXXX XXXX, NY, Terminal ID XXXX. He used multiple Chase debit cards saying that each was temporary since the account is yet to be formed, and made me deposit the cash at the drive through ATM over two days. About $ XXXX were deposited. 

He asked me not to print a receipt as that will alert the bank people and freeze my account. I printed the last amount that I deposited. 

Sensing something wrong, I called Chase Customer Service explaining everything. They said that nothing like that exists and I have been a part of a scam. However, since I had the last receipt, I gave them some information and they identified the account to be belonging to one XXXX XXXX. It has been frozen. 

I request you help in getting back the money in full. Also, I want to know how did the Chase Fraud Department transferred me to a scam artist. Even if the number was fraudulently taken over by the scam artists and it was actually the scammers calling me, how the Chase department allow their most sensitive number to be taken over by these scam artists? The Chase branch confirmed that the number was their legitimate number. 

I am wiped out of {$90000.00} and this is something that I have worked hard for years and much of it belongs to clients who I have to pay for services.
Product: Credit card

I disputed multiple charges on my credit report due to me being a victim of fraud and all companies are stating that I in deed opened accounts and I have proof that I did not open any of them accounts due to me being incarcerated and I have also submitted a police report as proof of fraud
Product: Debt collection

Received Form 1099-C With Box 6 being Code G '' Decision or Policy to discontinue Collection '' and Im required to include discharged amount in my income and pay taxes on it. The balance should no longer be reported
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 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 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: Debt collection

XXXX, XXXX, & XXXX XXXX sent me a letter to try to collect a debt that I owe " XXXX XXXX XXXX, XXXX '' on behalf of XXXX XXXX account number ending in XXXX. I do not have a credit card ending in this number with XXXX XXXX. I do not have any active accounts with XXXX XXXX. I called XXXX XXXX  and they confirmed this as well. XXXX, XXXX, & XXXX XXXX sent me a letter that " You are being Sued '' with a docket No. for the XXXX XXXX XXXX XXXX in XXXX XXXX 

I called XXXX and also confirmed that this synchrony bank account does not exist.
Product: Debt collection

I have a company name AFNI a debt collector company I agreed to settle less than the amount on the account & I paid this amount off in XXXX & they refused to removed their information from my credit profile!! I event sent the letter to the credit bureau showing I paid off this debt collection, All XXXX credit bureaus didn't do anything.
Product: Debt collection

I received an email on XX/XX/24 at XXXX EST regarding a debt owed to an ambulatory service for someone whose last name matches mine ; however, I do not know who the intended recipient of the email is or should be. I have no one that is knowingly a relative living in the address provided and the name itself of the person that the collection agency is trying to reach is different than mine and unknown to me. I was unable to reach the agency via phone. 

Company Name : TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Checking or savings account

I completed all the required steps to receive a promotional credit of {$400.00} but PNC won't credit my account.
Product: Debt collection

I am an XXXX XXXX  in XXXX XXXX  XXXX. I want to make complain against TRANSWORLD SYSTEM INC. the collection agency. who asking me to pay {$7600.00} as a fine of not to paying toll. They send DMV to suspend my registration. I spoke with the collector before dmv suspend my registration. I request the collector to consider my situation. Where entire nation is in emergency for Covid-19 virus. XXXX XXXX  XXXX is being paused since XX/XX/XXXX to until now. I did not receive any letter from the collector. One i got notice from DMV I contact with them.
Product: Debt collection

On XXXX I checked my credit report through XXXX XXXX and I have over {$9000.00} in debt to a combination of XXXX XXXX, XXXX XXXX XXXX, and Account Resolution Services. These all are indicating that they are out of the XXXX XXXX Area, several seem to be d/t medical services provided that I did not receive. The account dates range from XXXX. Of note, my father passed away in XXXX and he did live in the XXXX XXXX area, so it is likely that my information was used for these debts either fraudulently or because I was his next of kin.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX XXXX, CA XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These are not my accounts and the creditors are refusing to delete them from my credit report.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following inaccurate items which are reporting in error : Under 15 U.S. Code 1681 ( e ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my most recent credit report. Upon review, I found an account that is not mine and is being incorrectly reported on my credit report. The account is with XXXX XXXX XXXX with a balance of {$1200.00} and another account with XXXX XXXX XXXX with a balance of XXXX and an original creditor of XXXX XXXX XXXX. This account is not mine. It may belong to my father who has the same name. Since we are estranged I have no way of knowing.
Product: Mortgage

JPMorgan Chase & Co is failing to properly service my mortgage loan as they have performed an invalid Escrow Analysis on XX/XX/XXXX. They are including a County Tax payment which will not occur as it has been prepaid. Escrow is scheduled to be more than {$5600.00} over-collected over the next year. I have provided evidence that the analysis is in error when I originally advised them of the issue on XX/XX/XXXX. Servicer agrees that it is in error. The servicer advises that the escrow analysis would be re-processed by XX/XX/XXXX. As of XXXX EST on XX/XX/XXXX the analysis is still not complete. Servicer is breaching their duties and obligations by failing to properly provide correct analysis in the first place, and they are also failing to complete a timely revised analysis providing mortgager sufficient time to review and object to new potentially incorrect payment taking place effective XX/XX/XXXX.
Product: Student loan

I'm on SSI and I applied for XXXX  discharge of my student loans and Nelnet is refusing to discharge the loans based on " secret guidelines '' they will not provide me. I sent them my SSI award letter that states my next review for SSI is 3-5 years away. They are refusing to use it as proof I'm on SSI. I called and asked to speak with the supervisor of the department to request the guidelines they used to refuse my application. The Supervisor who contacted me back was XXXX employee # XXXX. I asked her why my application was rejected. She stated they use " secret guideline 's '' She refused to show me these " secret guidelines ''. I asked to speak to another Supervisor or to file a compliant and she refused to take my complaint and then hung up on me. They wont give me any information about how or why they rejected my application except for a generic rejection letter that doesn't state which rule or guideline I broke. There's no logical reason they are refusing my application. I'm on SSI and have been since XXXX and my next review isn't till XXXX. The Supervisor was verbal and emotional abusive. She was so combative to me I was scared. They are refusing to work with me and stonewalling me at every turn. I have no where else to turn. Please help me. I attached my application and my SSI award letter that clearly states my next review is 3-5 years away which is listed as the requirement on their own website. They are just making up reasons to reject my XXXX. Then I asked to see the rule or guideline and apparently they are secret and not available. I can only imagine how many people that are XXXX Nelnet is rejecting based on " secret guidelines ''. There's no way it's legal for them to do this to me but they hold all the cards.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a billing error notice to Ally Financial by certified mail. In the notice I order allowed to not take any adverse action, any adverse credit reporting or collecting on the account. I disputed the total amount due and the total payoff amount. The notice was sent to the address on the billing statement. Ally has posted a 2nd Late payment on my credit report after the first one has been in dispute with a billing notice that was sent before that complaint was opened. Ally was sending collection notices and calling after both notices were sent. I placed this dispute into arbitration on XX/XX/year> with the XXXX XXXX XXXX.
Product: Debt collection

For over a year I have receiving nonstop harassing threatening call from these people. They would refuse to identify themselves and insisted I give them my social security number which I refused. Now I receive an email saying I owe {$620.00} to XXXX. I have NEVER in my life bought or sold on XXXX. I have been a victim of identity them several times and the last was with a payday loan which finally was corrected. This harassment for a debt I dont owe is unacceptable.
Product: Debt collection

lvnv funding llc, has filed a n state court without sending me any notification. i never received a notice of assignment. I contacted this company after i received the civil action advising that debt validation and proof that the account was purchased from the original creditor was never received. i never received any notification that this was going to court or going to be reported on my personal credit files according to FCRA consumers must be notified and I was not notified.
Product: Credit card

On XX/XX/year> I recieved a digital letter from Synchrony Bank who owns my Sam 's Club Credit card informing me that they had dropped my credit limit from {$1500.00} to {$500.00} due to several reasons, the first XXXX listed being my student loans not being paid down enough ( my student loans have been in deferrment and are scheduled to resume in XX/XX/year> of this year ). This made it look like the card was nearly maxed and of course drowns my XXXX XXXX. This bank has done this on several cards, even though I never was late on a payment or missed a payment. I would like to know what my rights are. Unfortunately, I was unable to save the letter before it seems to have disappeared. 

Thank you.
Product: Mortgage

Loan Servicer, BSI Financial, has failed to reimburse the borrower for insurance premium paid out of pocket due to disbursement sent by the servicer not being received by the recipient timely. Failure to pay the insurance premium risked cancelation and lapse in coverage. I have made several phone calls, and 5 emails, and do not receive any response, except for an auto reply that they are working on the request.
Product: Credit reporting

The collection agency sent me several notices and I continouesly sent them reply that I had paid the bill in full before we move and I asked them to send me the supporting documents. 

Instead of sending me supporting documents they again send the notices
Product: Credit reporting or other personal consumer reports

I have asked the debt collection agencies to provide the original purchase agreement between the original creditor and the debt buyer. Company just sends me a summary of the debt, but no purchase agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Product: Credit reporting or other personal consumer reports

Upon obtaining a copy of my credit report, I have observed multiple errors and unapproved accounts/data added to my record. My life and credit health have suffered as a result of these comments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, these companies have violated my rights. 

- XXXX XXXX XXXX / Account # - XXXX - XXXX XXXX XXXX XXXX Account # - XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned that Equifax had a security breach and went to their website at https : //www.equifaxsecurity2017.com/ to determine if my information was compromised. I learned that based on the information I entered my personal information was compromised. I immediately called Equifax at XXXX and placed a 90 day fraud alert on my credit. I ca n't believe that the very company that is designed to safeguard my credit information and help me NOT get comprised is got compromised. I will continue monitoring my credit information and immediately dispute any changes to my report. I WILL NOT sign up for any service monitoring my credit with Equifax due to their negligence with my personal information and my lack of trust with them.
Product: Payday loan, title loan, personal loan, or advance loan

I have been a customer with Loan At Last since XXXX of XXXX. I have paid off loans in the past successfully. On XX/XX/XXXX of XXXX. I reached out to a representative named XXXX and she told me that she would reach out on Monday XX/XX/XXXX to discuss options. So on Monday Morning of XX/XX/XXXX I reached out and I spoke to XXXX and she put me on a payment plan of XXXX XXXX  weekly payments of {$75.00}. On XX/XX/XXXX I reached out to XXXX to revoke the ACH to pay manually. I made a payment On XX/XX/XXXX. In total I have made XXXX payments of {$75.00}. I am currently struggling to make ends meet and I would like to settle for what I have paid and close the loan and I have been a previous customer before. I am on a fixed income and I have other financial obligations I have to meet. I look forward to a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( 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 records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XXXX I paid my program fee and called to ask about my card. I was told they had mailed one and I explained I did not get it. I was advised I would get one in 10 to 14 days. I never got my card on XXXX I received a bill with a XXXX dollar cash advance on it. On XXXX I called multiple times to resolve the issue. I wanted to get my program fee back seeing as how i never got the card. I was then told cash advanace really wasnt a cash advance. So what am I being bullied into paying for? When i asked to close the account i was hung up on. I called back, verified social, dob, address, name and then was put on hold until the call ended. I called again and verified my name, social, dob, address, personal number, etc, but was told he could not help me bc someone entered my work number wrong. Every time I would call i would be asked to verify different things and told it doesn't match so they can not help me. I confirmed my dob, social, name, address and personal number yet no help. I have tried multiple times to get resolution with Revvi
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, today, XXXX XXXX, 2023, I received the attached credit file report consisting of XXXX pages. The attached .pdf contains the pertinent pages. Please see the name contained on each page ( i.e. 1, 2, 5 and 35 ) of the same XXXX page credit file report. The name does not match! The name of the credit file report is not the same name of the addressee of the mailing of the credit report! 

The addressee of Equifax Information Services mail is INCORRECT and remains wrong. 

I am demanding that mail sent by Equifax Information Services specifically enclosing and containing the personal credit file information and personal identifying information be addressed to same name contained in the credit file report! The system names do not match and the addressee for the mail assuming a mail forwarding is filed with the USPS would not occur correctly since the addressee is the WRONG name.