23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 those 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 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 or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name - XXXX, XXXX, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, NC, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, NC, XXXX EMPLOYER - XXXX XXXX XXXX EMPLOYER - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

LVNV Funding LLC Mailing Address City, State, ZIP Code Dear Sir/Madam, Subject : Dispute of Alleged Debt I am writing to formally dispute the debt being reported by LVNV Funding LLC as of XX/XX/year>, in the amounts of {$1100.00} and {$810.00}. I have no business relationship with your company, and I believe that these debts were purchased from another company that has since terminated the original debt. Despite my numerous requests for proof of ownership and validation of the alleged debt, I have not received any documentation from LVNV Funding LLC to support your claims. As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease all collection activities and remove the inaccurate information from my credit report. This unwarranted reporting has negatively impacted my credit rating for the past four years, causing considerable distress and harm. Please provide the following information within 30 days of receipt of this letter : 1. A copy of the agreement that authorizes you to collect on this alleged debt. 2. A detailed statement showing the full accounting of the alleged debt. If you are unable to provide the requested documentation, I insist that you immediately cease collection activities and correct the inaccurate information reported to the credit bureaus. I look forward to your prompt response and resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam part of equifax Credit breach and I hired XXXX XXXX XXXX to fix the problem of all my reports from that breach and now have more 36 soft pull on 2 hard pulls that not mine and I've sent this to the XXXX XXXX department form the breach in the past and we here again
Product: Checking or savings account

Yes I have contacted the claims administration from capital One bank there is a hold on my account the releasing officer has filed a case with the account claims administration and is working to restore the identity of the case with the claims administration. I have the email XXXX XXXX XXXX  and I updated the claim case number that placed a restriction on my account with case number XXXX. I have the claims administration number ton capital one bank XXXX. I would like to contact capital one bank let them know XXXX  account can not withdraw funds and our balance was sent to block fi wallet from our business account from the bank director XXXX XXXX and left the bank compromised from XXXXXXXX XXXX XXXX XXXX data breach which sent the payment to capital one bank through plaid banking agreement with the trade transfer agreement and I had to waive the charges and file bankruptcy with XXXX infrastructure and XXXX XXXX  wallet was blocked from sending any payments to online banking with my active account. I would like to file my direct deposit and have it sent with my form 3911 from the IRS that has my direct deposit from 2021 voucher was stolen and did not return to the bank.
Product: Debt collection

Alltran Financial , LP contacted a third party and gave personal information about my financial situation.
Product: Money transfer, virtual currency, or money service

I requested to buy bitcoin with coinbase. They got my information verified then requested bank transfer, I granted permission for transfer of {$2500.00}. As soon as the money was transferred ( about 3 days ), coinbase locked my account, claiming birthdate I provided indicated that I was XXXX years old. I have contacted customer support several times with the same results, lame excuses and empty promises. Customer support tells me that someone will e mail me to help resolve my problem. Its now been almost 3 months with no resulotion.They tell me dont keep contacting them or it will take longer so I havent contacted them in over a month but I dont think this approach is working either.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit hard inquiry has been fraudulently placed by Bank of America on XX/XX/2023 on my current XXXX credit report. 
The credit inquiry occurred without my permission due to Identity Theft. 
When I contacted Bank of America, Bank of America stated they have no business with the inquiry showing up in my XXXX credit report and refused to provide any letter related to the removal of the inquiry. 
And there is no option for me to dispute the credit inquiry in XXXX XXXX XXXX XXXX. 
I also contacted XXXX via Phone number XXXX, XXXX XXXX, and XXXX online chat. 
But XXXX refused to delete the fraudulent credit inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance XXXX {$0.00}
Product: Credit card or prepaid card

I make a car rental reservation through Chase Travel using my Chase credit card reward points. This covered 100 % of the cost of the reservation, which was {$360.00}. However, at point of sale, the rental company told me I had to pay for the rental. Since I had to catch a flight and was abroad, I went ahead and paid for the XXXX charge ( I was in XXXX ), with the expectation that Chase would remove the charge after I got back and made them aware of the situation. 

XX/XX/XXXX : I contacted Chase and informed them of the situation. The representative, XXXX, called XXXX and confirmed that the rental company should've charged Chase for the rental, not me. Despite confirming this, the representative refused to remove the charge from my account, saying that the " back office '' team would contact me in 24-48 hours to do that. I should point out that I was on this call for over ONE HOUR. 

XX/XX/XXXX : I contacted Chase again since I received no contact from their back office team and it was over 48 hours. I was talked to XXXX, who referred me to her supervisor XXXX, who said she would look into it, put me on hold, and then a couple minutes later, proceeded to disconnect the call. Now, every Chase Travel call, they ask me for a callback number and tell me that if " we get disconnected '' that they will call me right back. I received no callback after waiting 30 minutes, so I called Chase again, this time getting another rep. She looked into it, told me she did not see any action done on the XXXX, and that she went ahead and put in a request to the back office to contact me and issue the refund. I was again told I would be contacted within 24-48 hours. 

XX/XX/XXXX : After receiving no contact after 48 hours again, I call Chase back. The representative I spoke to looked into the issue, told me that the previous rep was incorrect and that it would be 1-3 more business days before the back office would contact me. 

XX/XX/XXXX : I call Chase after still receiving no contact or resolution. I spoke with XXXX. Similar to XXXX who I spoke to on theXXXX, told me she would look into the issue, put me on hold, then proceeded to disconnect the call within 30 seconds. Also similar to XXXX, despite getting my callback number and claiming that if we were disconnected, she would call me right back, XXXX did not call me back. 

Due to the lack of responsiveness from Chase Travel, I also issued a dispute on the transaction as it was a charge for a service that had already been paid for. After the dispute team asked for evidence that it had been paid for, and I provided them the original reservation receipt showing the points charge and that I owed {$0.00} for the reservation, that department has also not removed the charge. At this point, I felt I had done my due diligence in trying to resolve the issue directly with Chase. It is frustrating that despite the fact they confirmed with XXXX on the very first day that the charge on my account was illegitimate, they have refused to remove and refund me the charge.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICE ALL ARE FRAUDULENT ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it may concern while checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. this is a violation of the fair credit reporting act section 1681b ( c ) .this is a serious breach of my privacy rights you have been notified on many occasions and my report was on fraud alert and you continued to ignore
Product: Money transfer, virtual currency, or money service

I have a Coinbase debit card for XXXX, which is the bank. In the last 3 weeks I noticed 3 refunds that have not hit my account but were refunded and fully processed by the merchant and even processed internally by Coinbase and XXXX. 

Coinbase Card transactions refunded and are not reflecting on the account : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> - XXXX USD refunded on XX/XX/XXXX- You spent XXXX USD in XXXX XXXX XXXX XXXX XXXX on XX/XX/year> refunded on XX/XX/XXXX- You spent XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/year> refunded on the XXXX. 

None of those have been refunded to my bank yet. I called 5+ times and have opened a chat with them every single day ( sometimes multiple times a day ) since XX/XX/XXXX. I just want my refund. Coinbase and XXXX have processed the refund on their end and have told me so. But they can't tell me why they have not given me the money yet. In my head this is theft. I am unsure why they can't give me my money or at least give me temporary credit while figuring out what internal issues they are having. The lack of any follow-ups with promises given is very alarming especially when they promise follow-ups. They won't even let me speak to the department that is working on my case saying they only work via email. But over 14 days they have not sent me 1 email. Not even 1 to say a case has been opened. I find this to be very ridiculous and just want my money. The {$180.00} refund also is not even showing up in my transactions as a refund which is alarming because now I do not know if there were previous refunds that did not show up that I did not recognize. Coinbase even said to me that it was refunded at first and their end it shows it all refunded. Only when they dug deeper did they say that it was not refunded but it was processed on their end. I wonder how many other consumers that maybe arent as on top of everything are being taken advantage of.
Product: Debt collection

Chase Bank promised that no further Charges would be made by XXXX after XX/XX/2019. Chase Bank reneged on the agreement to not allow any further Charges.
Product: Bank account or service

I had a business account with PNC Bank, It was unlimited free balance with a condition that they mail me my statements. Last year, they stopped mailing my statements and began to charge me a fee ( approximately {$4.00} a month ) on my account. I was in XXXX XXXX, XXXX and spoke with the manager. He restored the fees and resumed the mailings of my statement. Earlier this year, they stopped sending me my statements thru the mail and in XXXX they started charging me a fee of {$17.00} per month. Since I was out of town, I did n't notice this till XX/XX/XXXX. I went and spoke with the manager of the XXXX, XXXX branch and she told me that she was going to try to get my money back. A couple of days later, she told me that she could n't get my money back but was going to talk to her Supervisor about my situation and that person would call me in a couple of days. I never received the call and returned to her branch. That 's when she told me that she could not return my funds, so I closed my account.
Product: Checking or savings account

I had funds that I recently put in my account taken from me through a app where my information was stored in their system. I have tried contacting the merchant but I havent gotten in contact or nobody has reached out. I told my bank that I did not authorize the said transactions and I would like to get to the bottom of it but the bank was no help and gave me no proof of me approving transactions. Now I am going through more security errors with the same bank a MONTH later. Please help I have a small business and I needed those funds to pay my crew. Thank you
Product: Mortgage

I don't understand, Newrez LLC did not cooperate with me in getting California Mortgage relief program state fund, so I sued them in the court ( Please see attached summons and complaints ) Newrez LLC or Newrez were served on XX/XX/2024 ( Please see attached ) Newrez is such an irresponsible Mortgage company, first of all they did not participate in the CA mortgage relief program and on top of that, after suing them, they sent me a foreclosure letter dated XX/XX/2024. 

Please see the foreclosure letter attached. 

This company has no morals and is totally disgusting. 

When I sued them and they are already served, then they can not put my company in foreclosure. 

XXXX XXXX XXXX and XXXX XXXX  has been informed about it. 

Newrez is just harassing me and nothing else
Product: Credit reporting or other personal consumer reports

On the XXXX of XXXX, my secretary printed out from XXXX XXXX and mailed a check to GM Financial. We used the address given as we do every single month. The check was returned back to our XXXX XXXX XXXX My secretary then questioned the people at the usps as to why this was returned because she showed them it is the exact and correct address, XXXX that we had sent several checks for payment on our auto loans previously for months and months. The usps worker at the counter said " I don't know why it was returned maybe someone new keyed it into the system wrong '' ( whatever that means. So now at this point from the time it was mailed then traveled back to our XXXX XXXX when my secretary received it she recognized that now we were going to be late, and not just late but 30 days late. She put the original envelope in a 2 day air envelope and sent it back to GM Financial with the exact same address as was on the original envelope that was now enclosed in the 2 day air envelope. I spoke with GM Financial representatives for XXXX hours today going through multiple people trying to get someone to help resolve this issue because they now have reported me 30 days late on my credit bureau. Due to the mail system and someone working for the USPS I have received this unjust penalty on my credit bureau which has reduced my score by XXXX points. I do not think this is right at all. I have never paid anyone late. My credit bureau of payment history is perfect and I want to keep this way for a lot of obvious reasons. I'm going to switch to auto draft payments to GM Financial because of the issue with the USPS, however I really need your help in removing this 30 day off my credit as it affects my company significantly. 
Thanks in advance XXXX XXXX XXXX.
Product: Credit card or prepaid card

This is a dispute with Stenger & Stenger XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. They purchased a XXXX XXXX  credit card debt from XXXX XXXX XXXX XXXX XXXX. They were awarded a Default Judgement in XXXX County MN, on or around XX/XX/XXXX, in the amount of {$10.00}, After years of requests to provide me some validation of debt, and/or account history, Continuously was told they didn't need to provide me that -- the debt was to old and they had earned a default judgement and they couldn't/did n't need to. During the month of XX/XX/XXXX ( without warning and unknown to me until XX/XX/XXXX ) I received fifteen ( 15 ) months of alleged statements. The charges accrued according to those statements was pathetic. There were 7_8 separate ACH checks in the amounts from {$100.00} to {$1400.00}. Each/most incurred a fee of {$14.00}, a {$39.00} over limit, and a $ XXXX- {$39.00} return fee, Interest charge of 29.99 %, in addition to the $ XXXX0- {$35.00} return fee at my bank. Inever authorized any of those ACH attempts ( had I authorized them I would have had the money to clear ). Since the futile attempts to resolve after default judgement in XXXX  County Court ( XXXX ) after being unable to resolve, Stenger & Stenger garnished my wages at which time I set up a {$75.00} biweekly/semi-monthly deduction out of my bank account. On or about XX/XX/XXXX the {$10000.00} was paid in full, and Stenger & Stenger acknowledged by filing a satisfaction of judgement in XXXX  County. On or aboutXX/XX/XXXXI spoke at length with XXXX at Stenger & Stenger about these issues. I have contacted Stenger & Stenger three ( 3 ) times since and all I'm told is they are closing the account. I expected ( from conversation with XXXX  ) that they were at least going to provide me information I need to validate account, which hasn't/is n't happening
Product: Debt collection

XXXX XXXX XXXX bill for XXXX. I did not open a account with this company. On the credit report ( XXXX ) it states that the account was open on XXXX/XXXX/16. This isnt my debt. Enhanced Recovery Corp
Product: Credit reporting or other personal consumer reports

From the year XXXX XXXX till now XXXX. I have dealt with fraud activities on my credit reports. From all three agency. XXXX being number oneXXXX XXXX and XXXX Hard inquiries shown negative. Addresses names, spelled incorrectly. leaving my credit score very poor. Ive reported and disputes. Taking time calling companies trying to clear my report. Spending 5 to 8 hours a day on studying how to correct my score.Paying advocates out of pocket to help my score and which was fraud. Being a consumer has really shown me that the system is rigged and fraud activities on credit scores proven identity theft. With my data being breached from XXXX and resolution, I have documents to support my pain and suffering and I want to receive {$20000.00} in computation.
Product: Mortgage

I had set up a trial payment. Which was initiated by sls after the first payment I called and set up the additional payments for the XXXX of each month. They attempt to take the payments out on the XXXX. The second one did not go through they have since been making multiple debits to my checking account with my bank, causing it to go into a negative balance and fees from my bank and from sls for payment reversals I asked them to stop and it has not. It has prevented me from paying my XXXX bill, which is ready to be disconnected and when payments go through, all of my funds are tied up for several days. This is causing a problem with me with other bills and not having any access to my funds. They have been using several unfair and deceptive practices that I have filed prior complaints for but the staff is very unfriendly and not helpful so I am filing another complaint because they submitted another payment, they told me the trial. And the modification was canceled. They continue to debit my checking account see attachment this is causing unnecessary expense and hardship and buying up bonds for me.
Product: Student loan

I am getting notices that they have updated the payment schedule for my loans. However, I received a letter dated XX/XX/year> that the loan from XXXX XXXX was eligible for full discharge and that the remaining balance on the loans were forgiven. 
Also the servicer would let me know about this refund. 

When I contact the servicer they just tell me to contact difference agencies. First the Treasury Department, which made no sense to me. Then when I called back with the same question, " when will my refund be issued '', they tell me that I have to call XXXX ; XXXX XXXX. 

I have been trying to get answers on this refund since XXXX  to no avail. Please help me if you can get to the bottom of my refund. 

Thank you.