23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In 2013 I had medical insurance and had met my 100 % out of pocket. My daughter XXXX required major XXXX XXXX. All of the procedures had been accepted by my insurance as covered. When the oral surgeons office billed, they left off a billing code for a bite wing analysis, a very important part of the needed procedure, because of this my insurance was unable to pay the bill, I as well as the insurance company tried countless times to get the needed code, we were told there was no specific code, a blatant oversight on there part as we had a code prior to the billing before the XXXX. For the first few years I heard nothing on the bill and assumed they had written it off for there error, they had not, and had put it on my daughters credit report as unpaid, she was XXXX at the time of XXXX and not legally responsible for the charges, when this was pointed out to them, they then started billing me and put it on my credit, I have and will refuse to pay this bill, it originated in XX/XX/XXXX2013 when the XXXX was preformed. If you can not correct this, how long before it drops off?
Product: Credit reporting or other personal consumer reports

So basically, I bought a car around XXXX and i couldnt afford it anymore becasue i had financial trouble so i talked to XXXX XXXX XXXX XXXXXXXX about my options and they said i could sell it to get the most out of it and i would be left with a loan amount to pay off. SO i had 2 offers for around {$16000.00} and they said to me that those offeres where too low and they could get more for the car and wouldnt allow me to sell but to give it to them voluntarily to sell it, When i did XXXXXXXX XXXX  marked my credit as a repossesion and i waited a month and called and they had no information and every couple of weeks i would call but they had no answers and i asked about the credit information and they couldnt asmwer that either, so after months and months maybe 3 or 4 i called and they told me they sold the car and i was left with about {$7500.00} to pay off in a loan, i didnt have any money to pay so i havent paid it and i asked more any other options and they said no. I asked about my credit why does it say i have no late payments and a repo on it, and they cant answer my questions and I feel like they took way to long and the processes want handled correctly and the information i have on the account isnt right, please anyhting you can do to help me i would appreciate it so much, i am XXXX and married and im trying my best to start our life and this is really preventing me from getting a house if i am being honest and i really just need some help. my number is XXXX. Thank you for anything you can do for me
Product: Checking or savings account

Keybank opened an account in error with my deceased grandfathers name ( we have the same first name ). The account was reopened but the account bonus I qualified for does not apply anymore since this is technically a second account. However the bank manager stopped answering my calls and I am owed a new account bonus of {$400.00} with no response from this bank since a month ago please advise.
Product: Consumer Loan

The original contract only stated a fixed payment of {$56.00} on a financed amount of {$1100.00}. There was no interest rate indicated nor a installment end date ( my fault for not noticing ). I have been paying on said account for 11 months now and called in XX/XX/2017 to get the principle balance so I could pay it off and was advised it was {$940.00}. I then started asking questions as to how and she told me my interest rate was XXXX % however had no clear explanation as to how only {$150.00} of {$610.00} was applied to the actual principle balance with {$460.00} going to interest. The company can not justify where my money has been applied and has advised me they do n't have a detailed statement to send me showing the appropriation of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX purchased XXXX bank in XXXX of XXXX. I had a Covid extension with XXXX in XXXX. I paid the account in full before the XXXX hardship was to expire, XXXX did not report my account as late to the credit reporting bureaus. After XXXX  purchased, the 30-day XX/XX/XXXX late payment was reported to all three credit bureaus, I have disputed the validity of this late payment with all three credit reporting bureaus and to XXXX  directly XXXX I went up the chain of command within XXXX with no resolution. I have asked for all records from my account with XXXX including the hardship deferment during XXXX. Still, nothing has been provided to me except to tell me over the phone that their investigation showed the reporting of the late payment was accurate. No proof of this late payment or any agreements I had with XXXX. XXXX is reporting on an account that XXXX did not own at the time of reporting. The original creditor at the time, XXXX, did not report me late for XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$800.00} ; SXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$780.00} ; XXXXXXXX XXXX XXXX Balance : {$110.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$340.00} ; XXXX XXXX XXXXXXXX Balance : {$8.00} ; XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$20.00} ; XXXX XXXX XXXXXXXX Balance : {$11.00}.
Product: Checking or savings account

I wanted to open a bank account with PNC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and walked into the brand at XXXX on XXXX XX/XX/year> and spoke with XXXX XXXX XXXX XXXX He informed me that he could not open an account for me since the branch was closing at XXXX and they had back operations work to do. I was shocked when he told me this because he had a good XXXX minutes to help me open the account and just wanted me to come back anther day. 

Then I asked him what documents I needed to open an account and he said XXXX XXXX plus a bank card. I told him would they accept my XXXX XXXX XXXX card. He looked at it and said normally wellsfargo has numbers embossed and this is not a vaild card. 

I have never seen this type of behavior from bank staff and his manager XXXX didn't event say anything. 

I feel that XXXX XXXX and his manager have decimated against me since I was XXXX and made every effort for me not to open an account at their XXXX. 

When I visited the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was the only customer at the location and they could not even open an account for me and insulted me that I had a false XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report and I contacted TransUnion LLC, in order to resolve these issues.They have down right failed to comply with FTC Regulations and refuse to fix this issues, this is a clear violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$6800.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$150.00} XXXX XXXX IN XXXX {$700.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$320.00} XXXX  XXXX XXXX {$3800.00} XXXX/XXXX  XXXX {$920.00} XXXX/XXXX   XXXX {$1200.00} XXXX/XXXX  XXXX {$610.00} XXXX XXXX {$460.00} XXXX XXXX  XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUTCY DISCHARGED XXXX {$0.00} XXXX/XXXX   XXXX {$2900.00} XXXX XXXX {$610.00} XXXX/XXXX  XXXX {$34000.00} XXXX  XXXX {$28000.00} XXXX XXXX XXXX {$27000.00} XXXX/XXXX XXXX {$0.00} XXXX  XXXX {$610.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Product: Checking or savings account

1.  XXXX  credit if  XXXX  to old, closed debit card.     Never received to my account. Given the runaround for almost a month now. They are telling me almost every time I speak to " tomorrow '', we do n't know, it " should '' have happened. They have stolen my money and gotten away with it.     Today they refused to open a dispute for this money because they " could n't. '' Item 2. I had a service call LAST MONTH where the work was unsatisfactory and I was scammed. The bank 's alleged protection guarantee is essentially faudulent on everything. They do n't back anything.     3. I was ALSO a victim of identity theft and they sent me a FORM LETTER telling me to open a new account WITH THEM and closed my claim. They did n't take any of it seriously.
Product: Credit card or prepaid card

I used my XXXX XXXX debit card to pay {$500.00} to my XXXX credit card on XX/XX/XXXX. XXXX XXXX said it was accepted. On XX/XX/XXXX I messaged them asking why it hadn't been posted yet. They responded they never recieved the payment. On XX/XX/XXXX XXXX XXXX confirmed it had paid XXXX, with the TraceID XXXX. On XX/XX/XXXXXXXX XXXX  sent a letter saying they would look into the issue and temporarily credited my credit card {$500.00}. On XX/XX/XXXX they rescinded the amount, with a letter saying they were unable to accomodate. Since XX/XX/XXXX, they have been crediting and debiting my account as follows : XXXX : XXXX XXXX Card XXXX {$500.00} Interest Charge - {$7.00} Interest Charge {$10.00} Adjustment-payments {$500.00} Interest Charge XXXX Interest Charge - {$7.00} Interest Charge {$10.00} Adjustment Payments {$500.00} XX/XX/XXXX : XXXXXXXX Card XXXX XXXX {$500.00} Interest Chage - {$16.00} Late Fee - {$29.00} Interest Charge - {$16.00} Late fee - {$29.00} XX/XX/XXXX Late Fee {$29.00} XX/XX/XXXX Interest Charge XXXX XX/XX/XXXX XXXX Payment - {$100.00} XX/XX/XXXX Adjustment Payments {$500.00} XX/XX/XXXX Late fee {$29.00} XX/XX/XXXX Interest Charge {$21.00} XX/XX/XXXX XXXX XXXX Card Payment - {$100.00} Currently, my balance is at {$1000.00}, with - {$310.00} available credit. I have called XXXX, XXXX, and XXXXXXXX XXXX  mulitple times. I don't know how to move forward. Venmo has seemingly closed my dispute. 

In summary, XXXX has at the very least made too many adjustments, leaving me short {$500.00}, as well as incurring multiple late charges.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit.it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  XXXX account XXXX
Product: Credit reporting or other personal consumer reports

I am notifying you that all these items are currently in litigation due to many several FCRA violations for failure to report information that is 100 % inaccurate and never was fully verified.
Product: Debt collection

On XX/XX/XXXXXXXX XXXX I was notified by Carter-Young Inc. ( company representative XXXX XXXX ) that I have a debt collection from XXXX Before that, I received only one call on XX/XX/XXXX, but I could not respond due to travel. I have NOT received any communication from the debt collection agency or the original creditor about the supposed debt since the first delinquency date of XX/XX/XXXX ( this is what is stated on my credit report as of now ). 
On XX/XX/XXXXXXXX XXXX  I sent a written request to the debt collection agency asking to verify the debt ( please, see the attachment with proof of mailing ). I asked to show the original contract and explain what caused my obligation to pay the debt. Moreover, the company representative, XXXX XXXX, on XX/XX/XXXX phone call mentioned that the company used my SSN to verify the debt. I asked to explain how they could do that if I only arrived in the United States on XX/XX/XXXX for the first time and was issued SSN later. This is four months after my credit reports claimed delinquency date ( XX/XX/XXXX XXXX  ). It has been one month, and I have NOT received any response from them. 
I believe my consumer rights were violated in several ways : - The debt collection was reported to the major credit bureaus without informing and verifying the debt with me first. I have NOT received any communication/calls from the debt collection agency or original creditor before XX/XX/XXXX. The collection was reported to credit bureaus on XX/XX/XXXXXXXX 
- The collection agency has failed to prove the debt within a reasonable time frame ( 1 month ). My request for verifying documentation was not addressed.
Product: Credit card

A longstanding personal credit card account was closed with no notification or call to action from PNC. 

The account was opened on XX/XX/XXXX, XXXX of my oldest credit accounts ( XXXX yrs XXXX months ). The account was current, in good standing, had no remarks ( according to my credit report ), and the entire balance was available. 100 % of my payments were on time. 

The only communication from PNC was a letter dated XX/XX/XXXX stating " Your inactive credit card account has been closed. '' with no call to action or communication prior to this notice. 

When contacting the company ( PNC ), they claimed to have sent a letter 90 days prior to account closure, which I never received, and PNC agents could not give specifics related to my account ( ie. date of letter, dates of attempts to contact, or any notice of account closure ) The PNC 'Retail Escalations Group ' agent who followed up ( XXXX XXXX was also unable to send simple verification text messages, demonstrating further evidence of inability to communicate with customers in an efficient and timely manner. 

This account closure has impacted my personal creditworthiness as ( a ) it was my longest standing credit account ( b ) changed my total credit utilization to be above 30 % as the entirety of the credit was available. 

PNC 's suggestion was to contact a 'sales representative ' to apply for another line of credit, an action which would further impact my credit score while losing the benefit of a longstanding account in great status. 

It is unfathomable that PNC, a financial institution in which I personally have an outstanding relationship, would not take steps to ensure accurate and timely communication to ensure customer/account retention and remedy a mistake that falls entirely on the shoulders of PNC. 

I can get a new credit card. I can more than likely get a new credit card with PNC, most likely with a much higher credit limit ; however this does nothing to correct the damage to my credit, undo the negative impact on my borrowing power, or rectify the distrust sown through negligent actions of PNC.
Product: Credit reporting or other personal consumer reports

This inquiry was made not with my knowledge. I have filed a FTC Identity Theft report so both inquiries need to be removed from the 3 credit agencies under the 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested If the inquiries arent removed. I will take legal action as I have my identity theft report from the FTC as well. Thanks
Product: Vehicle loan or lease

On XX/XX/2023, I applied for an extension of My credit at State Employees credit Union. I was denied for credit history and basically I didnt make enough. I am devastated. After speaking with loan officer, I asked was she the underwriter, she told me No. After She spoke with her supervisor supposedly. She said it was my credit history and recent chargeoffs. I told her someone was working on my credit because someone fraudulently used my social security number. I then asked to speak with the underwriter. She replied I am the Underwriter. I then mentioned 12 Cfr 1002.4. I felt discriminated against. I also mentioned Title 15 subsection 1611 faults and misleading denial of credit. I asked for all the factors that played a role in this consumer transaction. She than said she didnt know what I was talking about. She havent heard those codes before. I told her if she was an underwriter Im sure someone mentioned them one time or another. I asked for a printout of the factors the played a role and denying me access to an extension of my credit. She said it would be mailed to me. I told her I was denied so it should be on the screen. I asked to speak with a manager who may know these codes. She then brought the bank manager in and she said we are sorry your denial is because of charge off and credit History. At this point I was heartbroken. I told her if its charged off they were paid so it shouldnt be on my credit and gave her my spill about fraudulent activity on my social security number. The manager told me something will be mailed to me. After leaving the bank, I thought I left my phone and four employees were huddling talking about this matter. Later that day I received a call that I can pick up paperwork Tuesday morning and She spoke to Vp of company and I was still denied. It was a Friday XXXX XXXX and it was a XXXX Monday.
Product: Debt collection

PNC BANK MORTGAGE SERVIC Industry Type : Bank - Mortgage Loans Address : XXXX XXXXXXXX XXXX XXXX, OH XXXX Balance : {$19000.00} Subject : Dispute of Unauthorized Reporting of Information on Credit Profile To Whom It May Concern, I am writing to dispute information on my credit profile that has been reported without my permission, which I believe violates the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). The unauthorized reporting of this information is a violation of my rights as a consumer. 

PNC BANK MORTGAGE SERVIC Industry Type : Bank - Mortgage Loans Address : XXXX XXXXXXXX XXXX XXXX, OH XXXX Balance : {$19000.00} According to the UCC 2-725, which governs statute of limitations for breach of sales contracts, and UCC 3-118 , which addresses limitations on presentment warranties, the reporting of unauthorized information on my credit profile is not only a breach of contract but also a violation of the warranty of title, which requires that all claims on goods be disclosed. Additionally, the FCRA 1681s-2 mandates that furnishers of information to credit reporting agencies must have permissible purposes for doing so, and obtaining consumer consent is a fundamental requirement. 

I request that you promptly investigate this matter and remove the unauthorized information from my credit profile. Furthermore, I demand written confirmation of the removal and an updated copy of my credit report reflecting the changes made within the timeframe specified by law. 

Please provide me with any documentation or evidence supporting the validity of the reported information, as well as information on the source of this data. 

Failure to comply with my request within the specified time frame will leave me no choice but to pursue legal action to rectify this matter and seek damages for any harm caused to my creditworthiness and reputation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Incorrect inquiries reporting which are believed to be fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute all of the fraudulent inquiries on my Equifax report and have been unsuccessful over five times. I even called and someone was going to fix it and never did. I am a victim of identity theft and all the other bureaus have protected me except Equifax! I am very frustrated, stressed and overwhelmed by all of this : the companies fraud inquiry that is showing up is : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I've worked and paid taxes as an American citizen as early on as 15 years of age with XXXX XXXX whom im glad to see doing business again. However out of my 15+ years tax paying employed salary/income I have to pay one fee for check cashing. The current financial ATM transferring has caused excessive financial problems & damages to my checking account/savings. I get one Social Security check monthly and were over charged thee check cashing fee were charged in the United States for cashing it. Bank of America, XXXX Master Card, XXXX Visa, XXXX XXXX Visa, XXXX Visa Cards as well. Each of them upon my trying to save for the next day at {XXXX} to {XXXX} a day transactions etc ways of budgeting I've been over charged the amount for cashing the check at an outrages rate of fees for budgeting it. Such as {XXXX} per transaction. When cashing amount of {XXXX} ive I'm actually being charged {XXXX} per 35 transactions at {XXXX} per transaction. Why hasn't anyone notice this has taken place. I do understand a little bit about how we govern things in America but please don't throw my money out the window to the wolves. After all I do TRUST IN XXXX if no one else does. Please fix and make them financial institutions pay, possibly not limited to non consumer customer transfers within their home location or not. As a traveling by state citizen the check cashing rate in California, New York, Washington etc might be higher than our other states in this country but, not no where near the amount the American citizens working or not working are paying to cash a check ( singular ) for the day, week or monthly amount were being charged be at home & foreign dignitaries Please do the math and not ignorance. Especially that the cost of living has rised. Is thAt a turn table # XXXX. Well get on it then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information is listed on my FTC Identity Theft Report, my written notice, circled in RED on my Experian consumer report and this complaint does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply. Please see all my attachments. 
Things such as addresses, inquires, incorrect SSN attributes to my finds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never authorized it.Please removed it.