23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or around XX/XX/XXXX, LVNV Funding LLC obtained a default judgment against me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) for {$1300.00}. They allegedly served the summons by posting it at an address I haven't lived at in 10 years. I was never properly notified of this lawsuit and had no opportunity to respond or defend myself. 

I only discovered this judgment when my wages were garnished in XX/XX/XXXX. They've already taken {$220.00} from my paycheck. When I visited the courthouse on XX/XX/XXXX, I learned about the improper service at my old address. I immediately called the collection law firm XXXX XXXX XXXX XXXX XXXX XXXX ) to explain I was never properly served. They dismissed my concerns and stated my only option was to pay the balance in full or the garnishment would continue. 

I believe XXXX XXXX violated my due process rights by serving papers at an address where they should have known I no longer resided. This appears to be an intentional tactic to obtain a default judgment without giving me proper notice or opportunity to respond. Their actions have resulted in wage garnishment and damage to my credit without due process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting Act, XXXX XXXX BANK Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602A, states I have the right to privacy.

15 U.S.C 1681 Section 604A Sec.2, states a consumer agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent three certified letters to  XXXX , Experian, and  XXXX  informing them that there are accounts reported on my credit file that belong to a person with a different name. Somehow my credit file got merged with someone with the last name  XXXX . My last name is and has always been  XXXX . I have called every week to all  XXXX  agencies and have removed  XXXX  addresses,  XXXX  phone numbers,  XXXX  social security variations and several employment references that were not mine. There were  XXXX  collection accounts reporting that belong to someone else and also a public record. There are student loans, accounts from  XXXX   XXXX   XXXX ,  XXXX   XXXX  ( who does not have a license to collect debts in NY ) and   XXXX   which belong to another person. I have demanded that all these accounts be removed from my credit file immediately and the credit bureaus are not conducting independent investigations and are not removing these inquiries and accounts that are not mine.   How can a debt be verified as mine and it is not even my name nor referenced to my identifying info like my address? I have been diligently working on this sinc e  XX/XX/XXXX .       XXXX  is refusing to remove the name  XXXX  from my credit files and has my real name listed as an alternative name. I have sent them a copy of my driver license, birth certificate and social security card proving that my last name is  XXXX  and I have asked them to remove  XXXX  and any references to that name and accounts under that name from my credit file and they have refused to do so. This has been ongoing  for five mon ths and I am at a loss as to what to do. I have disputed these erroneous reports and information and they just do not care.
Product: Checking or savings account

PNC Offered and advertised a new account bonus of {$300.00} for {$5000.00} in deposits. Deposits were met and numerous customer service individuals assured bonus would be paid within 90 days. Contacted PNC now 100 days later and the bank has noted that I was previous customer so ineligible. However, I was a XXXX customer BEFORE the merger of the two companies and opened the PNC account BEFORE the merger. PNC is refusing to pay bonus in contravention of their own agreement and advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting

After getting a human on the phone at EQUIFAX tells you the calls are being recorded, but if you mention that that is the case, they hang up on you
Product: Debt collection

I 've notified the company numerous times, that I did n't owe this bill. I complained to the bbb and diversified consultants, stated they would remove it from my credit files, but as of today it 's still showing on my report. This was a result of Fraud, I live in Georgia. This bill happened in Florida.
Product: Credit card or prepaid card

Target XXXX XXXX refuses to tell me when the account 's available credit line will reflect a large payment I made to my Target store credit card account. 

I paid {$1400.00} to my Target store credit card on XX/XX/2021 via an ACH debit to my bank account using their online payment service. The payment posted timely and reduced my outstanding balance. However, the payment did not increase the account 's available credit at the time it was posted. I understand that large payments are not always made available immediately but I want to know when the payment will be made available. 

After nine calendar days the card 's available credit still was not increased, so I sent a secure message requesting the date on which that would occur. They responded that payments are sometimes held and offered to schedule a conference call with my bank to confirm the ACH has settled. I replied, informing them that they did not answer my question and clarified the information I was looking for. In their reply, Target XXXX XXXX repeated that they sometimes hold payments, stated they are allowed by regulation to hold payments, were in the final stages of confirming the payment, and informed me the only way to make the credit line available was to schedule a conference call with my bank. They still did not answer my question. 

To be clear, I am not complaining about the length of time Target has held the payment ( although it is on the long side of being reasonable ). I am complaining about Target XXXX XXXX 's lack of transparency, arbitrary way of handling payments, and unwillingness and/or inability to answer a consumer complaint. 

My correspondence with Target XXXX XXXX is attached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX the creditor reported inaccurate information after they have been receiving payments on time and after contacting customer service regarding the issues that they have caused me by not correcting the information after speaking with their customer service representatives that are not doing their job as requested by phone or letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. The disputed items do not belong to me and needed much attention for their erroneous status. 

Here are the Items that needed removing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/20XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Refuses to send a contract. Refuse to let me speak with supervisor. Disputing the balance but no one will help
Product: Checking or savings account

For the last several days Ally Bank will not let me access my account they won't give a reason they say call customer service and when I do I get put on hold and they never answer.
Product: Checking or savings account

I went to a TD Bank branch in XXXX NH on XX/XX/2022 and deposited {$600.00} in cash into the ATM. The ATM gave me an error and only gave me credit for {$.00}, saying it was a forced deposit. It printed out a slip and told me to call a toll free number for assistance. I called the number and spoke with two people. The first person said I had to go to the branch ( which was closed ), and her supervisor refused to help me at all and hung up on me. I am now out {$590.00}.
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting unauthorized inquiries on my consumer reports. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. I have not initiated any transaction with these companies. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. 
XXXX when doing your proper investigation, it MUST be accurate and complete, please attach ALL evidence showing these inquiries are mine and also attach the original contract that will prove. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that these are my inquiries. 

I have account with these companies. 
The following inquiries are listed on my consumer reports are false and inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> credit reports listed below with the dates attached to inquiries that does not show open accounts on these dates. I do not contact these companies by law if there is not account attached to these date and companies and there is no proof of validation give to me the consumer they must be removed immediately required by law.
Product: Debt collection

SUNRISE CREDIT SERVICES is listed on my credit report and is not licensed in the state of Michigan. Legally to collect they have to be licensed this company will have to remove this debt from my credit report.
Product: Debt collection

BYL collection did not provide adequate verification for debt in question. No documents were provided showing contract or signature
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I initiated a credit freeze on the EquiFax web site, given the recent data breach at this company, in order to protect myself. 

I paid {$5.00} that was charged for this service ( which is part 1 of my complaint : given the XXXX data breach, this fee needs to be waived ). 

The confirmation page on the web site ( see attached PDF ) makes loud reference to having to print with an " Adobe Print '' button. On my screen there is just a large empty square with no buttons visible. The PDF is an exact replica of my screen. The Terms mentions no requirements, warnings, or remedy avenues. 

Presumably, this page should show a PIN which will be needed to temporarily suspend or modify the security freeze. Right now, the service I paid for is incomplete. 

I searched extensively for a way to contact EquiFax to clarify this matter. The only phone information on the web site was for Business Customers, or for people to order a credit report ( through an automated system ). The ( Business ) phone number I called disconnected me without comment. 

The other two credit report companies ( each of which also charge {$5.00}, which I believe EquiFax should pay ) at least offered emailed copies of the PIN information, so there was not a single point of failure as with Equifax.
Product: Mortgage

Lakeview loan servicing first mixed up with the dates for my insurance so they could say that I didn't have insurance for XXXX  days and charge me {$160.00} from my escrow account when I did in fact have insurance for those XXXX  days. They have done XXXX escrow analysis on my account this month alone which has changed my payment XXXX times to the point where I do not know what I need to pay come the XXXX of next month. They were supposed to have a supervisor call me back but they never called so I had to call them multiple times to get any information about my account. They allowed me to pay to my escrow account a shortage amount while escrow account was having an analysis done on it so now they're telling me I have a secondary shortage that was not covered by that full shortage payment that I made. They're also telling me that XXXX XXXX XXXX in XXXX is when they're typically done but in XXXX they have already done XXXX escrow analysis and one I asked them if they will do XXXX in XXXX that could potentially change my payment yet again they said maybe. Also it seems like none of their employees have an understanding of their actual job.
Product: Debt collection

In XXXX, 2016 i went to XXXX XXXX VA XXXX XXXX for emergency situation and at that time i was getting my medical insurance, the nurse ask me for all my information and took me to do some medical test. I was in the hospital for under an hr and saw the doctor for less than 5 minutes and i was charged {$2500.00}. At the time i was only XXXX and taken advantage of. It was there responsibility to collect my medical insurance info. And afterwards i didn't get any notice of the debt and they didn't inform me my rights to dispute.
Product: Debt collection

Ive never had a lease with XXXX XXXX. There is a company reporting as a collection on my report named XXXX XXXX XXXX saying that I owe XXXX XXXX money. This is false
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICOLLECT INC Original creditor : XXXX {$330.00} I recently reviewed my credit report and noticed a fraudulent medical bill on my account. I filed an ftc report, police report and sent this information to the original creditor and credit bureaus. Nothing was done. I also notice unauthorized inquiries on my report from XXXX XXXX XXXX.
Product: Debt collection

I don't recall having a contractual relationship with this collection company CREDENCE RESOURCE MANAGEMENT. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection
Product: Credit reporting or other personal consumer reports

Failure to correct personal information Reporting adverse information inclusive of balance, payment history, inquiries violation of the Privacy Act of 1974 Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Dear Equifax, XXXX XXXX XXXX I submitted a request for investigation under FCRA 611 ( a ) to Equifax regarding the following accounts on my credit report : XXXX XXXX  XXXX XXXX Account Number XXXX, First XXXX XXXX- Account Number XXXX, XXXX XXXX- Account Number XXXX, XXXX XXXX XXXX- Account Number XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Equifax has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that XXXX cant even get a credit card or a loan in my name. 
Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Equifax delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation.

I am requesting that Equifax provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract.

I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Equifax. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of XXXX XXXX XXXX Information XXXX XXXX XXXX ( XXXX ) and XXXX XXXX Equifax Information Services LLC XXXX XXXX ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Equifax will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I opened up a bank account at Chase Bank and deposited {$5000.00}. 

On XX/XX/XXXX I found out that the bank account was closed, this was due to no activity in the account, most of the money was taken by the bank and the XXXX  XXXX dollars that were left could not be returned to me due to the account being closed. 

Unfortunately I was bounced around from representatives to representative and was unable to get anywhere with them. 
I learnt that the account was grandfathered in ( I don't know what that means ) and that they can't see the history of the account. 

My questions are : -Why was money taken out of my account? 
-If the answer to that is Bank fees ( wish I understand is illegal ) why continue taking fees if you see the account is inactive? On the other hand why close the account if there's still a XXXX XXXX dollars in it? 
-If there is money in the account why not return it to me asap? this could be done by a bank transfer to a different bank
Product: Credit reporting 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. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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 XXXX 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 reporting or other personal consumer reports

American Express account ending XXXX has violated several of my rights under The Fair Credit Reporting Act 15 U.S.C. 1681 Section 604 A, Subsection 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666B ; A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

15 U.S.C. 1681A ; Paragraph 2, Section A, Subsection ( i ) ; Consumer Report does not include report containing information solely as transactions or experiences between the consumer and the person making the report. 
American Express violated these rights by reporting the account to be late and closing the account without my knowledge. American Express is reporting negatively on account as Collections when In fact I have responded to their settlement offer and offered them one of their own settlement terms. See Attached email Copy.
Product: Money transfer, virtual currency, or money service

There have been numerous problems with the Ally investment trading platform which/witch led to a heated interaction after rude customer service representatives were inept and escalated the unwanted exchanges. Then after Ally said to close ALL my accounts in a letter I contacted them with ALL the information to do so into a XXXX account. However, they said the transaction was reversed BUT wouldnt say why and claimed there was no explanation upon checking with that department in yet another unwanted interaction their ineptitude created. THEN I was told they automatically mailed the checks instead creating a checks in the mail dynamic I never would have authorized! I would at very least used an express tracking service. I allege unscrupulous actives as regards their trading platform AND harassment in relation to their not performing the transfer after being provided the information potentially also trying to facilitate the checks theft after they obtained the other banks account information without using it.They also should have tried multiple times to perform an electronic transfer without just sending checks which/witch should then have been sent via an express tracking service utilizing carrier. ALSO, in a letter saying to close my accounts I was given less than a full month to even do so based on the date their letter was created and sent and the date I am expected to do/due so by.
Product: Debt collection

I never had a contract with this debt collector Vance and Huffman for any debt. They are saying I owe them {$2500.00}. I wrote the credit bureau explaining I never owed this company anything. 
Its saying I open an account XX/XX/year>. I never did business with this company. Its reporting on my credit profile and damaging my score. Take a look into this company. They never tried to reach out to me. It just popped up on my credit profile. I need help with getting this removed.