23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

PNC Bank Re : Letter dated XX/XX/2018 to me Received XX/XX/2018 Informing of three consumer accounts all opened on XX/XX/XXXX With accounts ending in : # # # #, # # # #, and # # # # On calling the XXXX assistance numberin order to get assistanceI was required to provide my social security number over the phone or go to a PNC Bankwhich dont exist anywhere near me. I NEVER give my social security number out over the phone. Three accounts on the same day?! They should have been flagged and put on hold until they were verified. I want to know how they were opened. 

I was given the following address to write to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX. In the meantime what are these accounts being used for and for what other fraudulent purposes? 

Please CLOSE THESE ACCOUNTS and find out how they got opened in the first place.
Product: Debt collection

XXXX is already on my credit and I keep duplicating and keep sending me things through the mail about the same account already on my account is this against the law can this be removed thank you
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 XXXX Account Name : XXXX 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 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: Debt collection

The bill was paid in full and appropriate credits were given due to constant outages of service for the cable.
Product: Debt collection

CKS Prime On XX/XX/year>, I sent a Priority Mail letter to CKS Prime regarding an alleged collection account they had listed on my credit reports.

I requested validation under the FCRA/FDPA along with corresponding local state laws. Validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 
Since it has been more than 30 days since I sent my letter to them without a response, I am demanding that they permanently remove any/all negative information from my credit report as they are in violation of FCRA/FDPA laws.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them List all accounts : XXXX XXXX XXXXXXXX
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. 

Accounts : XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX NA # XXXX, # XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX # XXXX, # XXXX have violated my rights. 

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 reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry XXXX ; XXXX XXXX Inquiry Date : XXXX XX/XX/XXXX ; XXXX XXXX  Inquiry Date:XX/XX/XXXX; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXXInquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date:XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX InquiryDate : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date:XXXX ; XXXX  XXXX  XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date:XXXX ; XXXX Inquiry Date : XX/XX/XXXX.
Product: Vehicle loan or lease

After spending hours at a local dealership, I found out only one 'bank ' would approve me for a car loan. The payments for a 2018 vehicle costing {$14000.00} on the lot ended up being {$430.00} with {$1000.00} down. The 'bank ' was Credit Acceptance , when reading the paperwork it was brought to my knowledge the interest rate was 20 %- the HIGHEST interest rate I have ever seen for a vehicle. I understand my credit is POOR-FAIR and fluctuates every couple of months but this interest rate appeared criminal. The overall cost for this vehicle at the end of the loan is {$10000.00} more than the initial purchase price. 

After purchasing the vehicle, as I NEED a vehicle, I read the online reviews and found this company has been in several class action lawsuits for illegal interest rates and unfairly conning lower-income individuals and those with less than perfect credit. I feel ashamed and embarrassed for not doing my research on Michigan interest laws and what is legal and accepted practices. I want the interest rate lowered to Michigan law standards or else I will have to pursue legal correction on this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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. 


XXXXXXXX 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: Debt collection

I contacted XXXX XXXX back in 2008 when I worked for them in sales and also had a cell phone account with them because that was the clause when working for them, you had to have there service. At that time I had a discount on my bill for the number of years that I had it, but once I left the company I changed cell phone providers, thus I chose to move to a different cell phone carrier. So I paid my final bill and went to another cell phone provider. Now years later XXXX is stating that I owe them money when In fact I do not! They have been in many lawsuits for overcharging and over billing people and now they 're trying to overcharge and charge me for service which I have not had for over 4-5 years! I do not owe them any money nor have they ever contacted me or tried to send me anything saying I told them. When I did contact them to ask where is this bill coming from? They could not confirm any Bill to such an amount of {$1300.00} that they are stating on my credit report. I 'd like this item removed from my credit report as quickly as possible. Thank you in advance for your help.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/year> but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX
Product: Debt collection

This was a fraudulent company place on my XXXX XXXX profile.
Product: Credit reporting or other personal consumer reports

I provided documentation to both XXXX and XXXX regarding a collection account that XXXX XXXX XXXX XXXX turned over to XXXX XXXX for collection, which in turn filed a collection account against my credit report. The documentation includes a receipt for payment of my half ( actually more, paid {$200.00} when obligated for {$200.00} ) in the amount of {$200.00} as well as XXXX 's statement explicitly stating that XXXX XXXX, a mutual client of XXXX who sold us the dog, is obligated to pay the remaining balance. The agreement was made with XXXX prior to it providing its service and once XXXX defaulted, XXXX disregarded our agreement and wrongfully turned it over to collections against both me and my wife who never signed anything. 

Various online disputes and phone calls to both XXXX and XXXX between XXXX and XXXX have gotten nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX  This is not a duplicate report, XXXX XXXX XXXX added new false derogatory statements by adding : 1. new 60-day late payments for XX/XX/XXXX andXX/XX/XXXX, 2. the first delinquency occurred on XX/XX/XXXX, 3. the account was closed on XX/XX/XXXX, and 4. the last payment was received on XX/XX/XXXX.

1. There was never a late or missed payment on the account. Therefore the 30-days and 60-days maliciously reported to the credit bureaus must be removed.

2. There was never a delinquency, however, XXXX XXXX XXXX  has reported many false and malicious claims to the credit bureaus between XXXX and XXXX and again between XX/XX/XXXX and XX/XX/XXXX.

3. The property was sold in XX/XX/XXXX and the bank first reported the account closed on XX/XX/XXXX and continued to maliciously report new missed and late payment delinquencies through XX/XX/XXXX which are being used to impact my credit report and credit scores negatively.

4. XXXX XXXX XXXX received its last payment from me in XX/XX/XXXX, the property was sold and I was not required to submit any more payments and did not make anymore payment. Therefore, there was never a 30-day or 60-day late payment in XX/XX/XXXX as reported by XXXX XXXX XXXX. These maliciously reported delinquencies must be removed from my credit report and my d scores restored to their values prior to the impacts of the false claims.
Product: Credit reporting or other personal consumer reports

I was checking out my credit report and I saw a few hard inquiries that I don't recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not provide access to their services online at myequifax.com.
Product: Credit card or prepaid card

I sent a notice of dispute and documents, they signed for them by mail and I have not heard XXXX word, nor has anything been changed on my account.
Product: Credit card

I received an offer from Capital One for a balance transfer with 0 % until XX/XX/XXXX. 
I filled out all information and linked my bank account for automatic payments and then tried to do the balance transfer and the prompt told me that there are no offers available at this time. 
I have been all day trying to cancel this card and unlink my account and there is no way to do this. Capital One is scamming people and I need help. 
All of this happened today XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have created the account on XXXX and they have deactivated my account without any notice or reason. I have received the attached email then my account is blocked.
Product: Checking or savings account

First, please reference case # XXXX. It was mostly resolved, but this directly relates to it. Immediately after the bank returned my money in XX/XX/2021, I called and asked them to confirm I would be given the airline miles I was promised when I deposited the money. I explained I was concerned that their records would wrongfully show I didn't meet the requirements. The Citibank rep. confirmed this would be no problem, but I needed to wait for it to process. 
I called back in XXXX as I did not receive it and they said an investigation would be opened and I would hear back within 5 days. 
In early XXXX I hadn't heard, back so I called again and was promised this was a " rare miss '' and an investigation would be opened. I received a form letter on XX/XX/XXXX stating I didn't meet the requirements, which was the whole point that I had called twice, knowing that their records would be wrong. 
I immediately called again and demanded to talk with a supervisor. They wouldn't let me talk to anyone else, but said they would open another investigation and that it would be different this time because their supervisor would be informed of the situation. I told them if it was not resolved this time I would be forced to contact the authorities again. They assured me it would be fixed within 2 business days. I received another letter over two weeks letter that was exactly the same as the prior letter. 
No one is listening to me. I have wasted many hours telling my story, but Citibank has only continued to commit fraud against me. 
I would be happy to provide copies of all of the letters. PLEASE HELP! THIS BIG COMPANY IS CHEATING PEOPLE!
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report and have no idea why. I checked it like I always do, but suddenly, discrepancies appeared. I even refreshed my browser, thinking it might be a glitch, but the unauthorized inquiries were still there. I urgently need the documents I've submitted to be reviewed carefully, so I don't have to worry about this ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated Account Name XXXX XXXX XXXX  & Account # XXXX properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these agencies written permission to furnish these accounts on my credit report as well
Product: Credit reporting

I would Like to open a complaint on behave of Equifax credit reporting agencies I asked them to send me a copy of the Orginal SIGNED contract for XXXX XXXX XXXX XXXX and a XXXX late Payments and ALL CREDIT Inquires that is more than 30 days old with my signature on file and they failed to do so. They sent out a letter to me starting that they do not keep that Information on File. I WAS VERY SHOCKED THAT THEY STATED THAT THEY DO NOT KEEP THIS INFORMATION ON FILE 1 THIS IS A FEDERAL LAW THAT THEY HAVE TO KEEP THE CONSUMER DOCUMENTATION ( credit application in there Physical possession at all time and I have the right to ask for this Information and they are and should provide this Info when asked about THIS IS PART OF THE FCRA 609 ( A ) ( 1 ) ( A ) AND THE SEcTION 611 ( A ) ( 1 ) ( A ) it is against federal law for them to report information on a consumer Like Myself without that. CAN NOT REPORT THIS INFO AND IT MUST BE PROMPTLY DELETED I 'M Fully aware that each creditor MUST send this Info to each of the reporting agencies In order for them to report information about the consumer As you can see from the attached Letter Equifax already admited that they DO NOT HAVE THIS INFO SO IT MUST BE DELETED THIS IS A FEDERAL LAW AND EACH OF THE REPORTING AGENCIES MUST OBEYED BY THIS LAW XXXX XXXX XXXX LATE PAYMENT PLEASE HAVE THIS ITEM REMOVED ASAP XXXX XXXX 30 DAYS LATE PLEASE DELETE THE LATES INQUIRES PLEASE REMOVED ANY INQUIRES THAT IS 30 DAYS OR MORE OLD. 

THANK YOU SO MUCH! 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8700.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$21000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00}.
Product: Vehicle loan or lease

I bought a car in XX/XX/XXXX. Due to my credit being poor, the only company that would finance me was XXXX XXXX. This experience has been nothing short of a nightmare. Since I bought the car, my life has been a wild roller coaster. I got laid off from my job, was unemployed for several months, got a new job, then was laid off from it 3 months later, on top of being unemployed I also lost everything except the car in Hurricane Harvey. I ended up landing a new job just after the hurricane and am slowly getting life back to normal, however, prestige does n't care about any of it. They are only about their bottom line and have zero compassion for those going through hardships. The day after payment is due, they start harassing me with calls, emails and texts. Last Friday, XX/XX/XXXX I received 3 emails from 2 different people. Today I received a rude email from XXXX XXXX stating that I am {$1300.00} behind on my loan, however my account on their website shows I am only {$450.00} behind. One of the emails he sent on XX/XX/XXXX stated that I am {$750.00} behind. Apparently they have no idea what I actually owe and their data does not match the data on their own website. I am growing extremely frustrated with this company and their rude, harassing collection tactics. I have asked XXXX as well as well as several other of Prestige 's employees to stop harassing me about the balance. I am aware I am behind and am doing everything I can to get caught up. Yet they continually call, text and email daily. Someone needs to step in and do something about this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went to my local XXXX store in XXXX Tn and singed up for the Veterans phone plan with financing for 2 XXXX phones. The XXXX of the store informed me that because my husband was a veteran we qualified for this plan and that it could be in my name since we were married. However this information was incorrect and according to XXXX policy the plan had to be in my husbands name, which we found out a few days later when I tried to verify his veterans status and was unable to do so since the account was in my name. We then had to go back into the store and switch the entire account including the phones financed into his name. At this point I called XXXX and asked them to remove the hard inquiry from my credit score since it was not fair to have an inquiry on my account for a phone plan they had sold me using false information. They agreed that this was reasonable and that they would authorize the removal but that I needed to contact consumer finance to get the hard inquiry removed with the credit reporting agency 's via a letter of deletion. On XX/XX/2019 I contacted Trans-union, XXXX, and XXXX the 3 credit reporting organizations which I know about and tried to dispute this hard inquiry. As of today only XXXX has record of it however I assume that it will show up on the other 2 scores at some point in the future and I need a letter of deletion so that I can dispute all 3 as they appear on my score.