23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XXXX,XXXX, I filed a complaint with the BBB regarding the collection company Portfolio Recovery Ass. in regards to validating a debt that was said that was owed in the amount of {$460.00} to the company. The BBB sent the complaint to the company and the company stated that they sent me validation of the debt, in which they did not. On XX/XX/XXXX, I sent another validation letter to the company asking for specific information regarding this account. I am not sure how this debt was able to be reported on my credit report without proper and accurate information. This company is clearly in violation of the law, so if this company can not provide the proper documents needed to verify this debt, then this debt should be removed from the 3 reporting bureaus. The reporting agencies has to report accurate information on every consumer reports and if not it should be removed. This inaccurate reporting has hindered my credit for a few years now and I have suffered enough and I want this inaccurate information removed from all 3 reporting agencies. In this complaint, I have included the complaint documents sent to BBB as well as the letter that sent from this company regarding validation.
Product: Prepaid card

Since I received the card and funds from XXXX XXXXXXXX the bank refuses to explain why my money transfer was flagged for fraud and all other transactions were flagged as fraud when there is NOT any fraud charges on the account. Refused to unlock my account if I could confirm there wasn't any fraud and their only solution is to send me a new card which now is going to make all my bills late. Any normal bank would confirm with consumer if any charges were fraudulent or not and this bank refuses to do so
Product: Credit reporting or other personal consumer reports

This complaint is in regards to personal information being reported incorrectly. With respect to 15 USC 1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/, there is some inaccurate and not applicable personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. PLEASE SEE ATTACHMENT.
Product: Credit reporting or other personal consumer reports

I previously disputed this account with XXXX regarding Account Name : XXXX XXXX Account Number. XXXX I let them know this account was not reporting accurately. According to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. I requested a XXXX ( Cancellation of Debt ) from XXXX XXXX in regards to the following charged off account listed below Account Name : XXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX a corresponding tax deduction for the uncollected amount associated with this charge-off and I had to file the balance of {$980.00} as income on my taxes! This account can no longer be reported to my credit report. Not only does this violate my rights per the FCRA, this is also tax fraud on XXXX XXXX 's part. 

Delete this account from my credit report immediately for inaccuracy!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4800.00}
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 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 XXXXXXXX XXXX  XX/XX/year>
Product: Consumer Loan

Paid off my XXXX loan and XXXX still refuses to fix it on my credit, making it 120 days late when I have all the pay off, info proof that it was paid off same for transition both bereaus have been preventing me from getting a car, and causing XXXX and ruining my life
Product: Checking or savings account

I was in XXXX XXXX jail from XX/XX/XXXX till XX/XX/XXXX when I was released I was locked out of my chime account it took almost XXXX weeks to get back in only to find that over XXXX dollars was taken from my account I filed a claim letting chime know that I was in jail and still had my card I sent them proof of my incarceration to show them there was no possible way I could have used my card I was in a maximum security jail my card must have been cloned cause I still have mine and it was used all over California they gave me a decision in XXXX minutes denying my claim so I filed again and more of the same they keep saying no error has happened I keep sending them emails with the proof of my were about and tell them it was a theft not a error so I used my new card number XXXX time for XXXX dollars and they locked my account it's been XXXX weeks now and I haven't been able to make my car payments my water bill and so on I have sent chime photos of me holding my id with a peace of paper with the date on it but I still can't get in to my account they let someone take out over XXXX dollars with out question but now I use XXXX dollars and they lock me out they need to pay me back my money they let get stolen and pay all my late fees and let me back in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL 3 CREDIT AGENCIES REPORTING FRAUD ACCOUNTS OF MEDICAL SERVICES 3X ON FILE SAME ACCOUNT VIOLATES " FCRA '' SECTION 506A, 605B, 607, 611 AND 623 ( a ) '' NOT MY ACCOUNT '' NEVER DONE BUSINESS WITH COMPANY " MEDICAL DATA SYSTEMS, INC
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Equifax keeps updating old accounts to present time with a balance when in fact, it was closed and charged off approximately 5 years ago in 2018.
Product: Debt collection

Upon reviewing my credit report, I noticed multiple accounts that seem to have been added without my approval and are incorrect. I am requesting that these fraudulent accounts be immediately blocked and deleted.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my records of previously submitted disputes/documents via USPS, CFPB, and/or your online portal, you were in receipt of my prior communications and were obligated by law to take investigate my claim for action within 30 days of receiving notice of dispute. Knowing that this is a lawful obligation of yours, you both knowingly and willfully failed to delete the disputed information. Additionally, you have not communicated any probable error that would prevent you from completing this as everything that is NEEDED to fulfill my request was included in my initial dispute. There was no cause for you to stall or reason for you to stall, procrastinate, or refuse your duties. 

Therefore, I am now demanding the immediate removal of the disputed information. Under the provisions of the FCRA, you are also liable for damages, as outlined in 15 U.S.C. 1681n-1681o. In addition to removing the disputed information, you are required to issue a payment of {$1000.00}, made payable to my name as indicated in the letterhead above. For your convenience, I have included a completed IRS W-9 form to assist with your accounting or legal tax obligations.

I want to be explicitly clear that this is not a notice or attempt to start a new dispute. Ive already tried to rectify this affair with you. By law, you are only allowed 30 days from day of receipt to dispute, and that time has since elapsed. 


Other errors not on the FTC Identity theft report : Address : XXXXXXXX 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
Product: Checking or savings account

I have had PNC since they came to Florida going on 20+ years. I have been a loyal client of theirs yet PNC has NEVER done any favors for me. They would not even give me a credit even when my credit showing 100 percent payment across the board. 

My compliant came when recently my income decreased and caused my balance to be low. PNC offers a service call the Low Cash Mode. It gives you extra time such as 48 hours to deposit funds before the item is posted and you're charged an over draft fee. 

When you log into your app or online banking, you can see the pending item and if you go to the menu you can see the item and the DEADLINE when the item will be posted or you need to bring the balance to cover the pending item. 

Lately PNC has been doing what ever they like. I had multiple items where it gives me a time let 's say " 36 hours remaining ''. What PNC has been doing was just randomly returning the item before the time is up. Itll be same day even they just return the item. 

What is the point to even have this if you're going to just randomly returning item? POINTLESS feature isn't it! 

When confronted PNC of this, their reply was " it's up to our discretion to either pay or return the item ''. Though that is ultimately the banks decision. If you give the account holder a timed deadline, no decision should be made for the account till that time! 

What's is worst? now PNC is doing the opposite! On the week of XX/XX/XXXX. I had a utility item that caused my account to be over drawn. I did not put in the funds in time and I end up getting an over draft fee. On separate day I got another utility charge that came in as pending and the Low Cash Mode kicked in and gave me a timed deadline. XXXX the morning of XX/XX/XXXX it is showing I had " 5 '' hours still yet my PNC decided to paid the item and post it with an over draft fee already! So instead of using the discretion clearly that my account was over drawn and has an over draft fee, they all of sudden decided they wanted to pay the item and charge another over draft fee!. 

This is unethical behavior and it will be my last encounter with PNC. I have incoming funds coming in and I will be taking my funds to another bank as this is behavior is something that is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with Wells Fargo dealer services. The person that hit my car from behind insurance company ( XXXX ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with Wells Fargo, I paid for the GAP insurance through Wells Fargo as well. After the car was totaled I never saw the vehicle again. Wells Fargo was Paid by XXXX XXXX, Wells Fargo had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through XXXX, XXXX and XXXX and they arent even contacting Wells Fargo Dealer service because I receive updates like two days later saying investigations complete. Please help. I want Wells Fargo dealer services reported on my credit as paid in full because two different insurance companies paid them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask Experian numerous times for Experian to show me a signature that I was the one to open XXXX XXXX loan I have told them over and over that this account was not opened by me by law they must send me proof meaning a signature. This is not mine called a lawyer he stated for a loan Experian must provide a signature or delete from credit report. They have this loan as XXXX balance charged off
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

AMEX XXXX, AMEX XXXX, AMEX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  keeps using my XXXX Credit report to try to use new collection agencies ( Credence Resource Mana @ XXXX XXXX XXXX XXXX XXXX XXXX, Texas to now try to say that I owe {$610.00} to XXXX XXXX XXXX. Number 1, XXXX & XXXX was removed Before with BOGUS collection agencies to try to scam both my husband and Myself and they were Unsuccessful. XXXX XXXX XXXX caused my credit score to drop XXXX points this time ( I have a string feeling it's for the Auto insurance industry to try to get my Premium up which it's not happening, they never like it when you keep doing great!!! ) So, I want you to Have Credence Resource Mana to Remove this Bogus Account immediately from my Credit Report!!!
Product: Debt collection

Last year, I asked for written verification with a handwritten signature of proof of debt. I submitted a complaint through CFPB on XX/XX/21 ( complaint ID XXXX ) stating, I have asked for a signed contract with my signature and havent not received. What was sent just a balance. I called and the representative was rude. I am very respectful and honest. I am trying to cooperate, but it is hard too. I am not hard to work with resolving any issue unless the other parties are. Also, this company has be re-aging my XXXX credit report which is illegal. 

However, today, I seen it has been put back on my credit reports without receiving any written notification in the mail and the company removed the it from my report last year.
Product: Mortgage

XX/XX/2022 : XXXX. I logged into my PHH Mortgage account and found that I was somehow behind on payments. I had never received a late payment notice via XXXX or email -- not in spam, nothing. It turns out that I had paid my escrow incorrectly, so all of my payments ( that I was making automatically every month ) were being marked as 'unpaid " since I had an escrow shortage. 
XXXX. I called PHH, and they informed me that since I am signed up for paperless billing, I DON'T get email notifications or an e-bill of any kind!!! How is that a paperless bill?? I am supposed to log into my account to see my bills, or to see if there is a late payment. Never in my life have I worked with a company that provides ZERO notification of bills, late payments, etc. 
XXXX. The customer service rep and I both tried to get their online payment system to work, and could not. She said it was because of XXXX XXXX XXXX  ( can't even schedule a payment online, but I can talk to a rep on a holiday?? ) and to try on Monday. 


XX/XX/2022 : I logged into PHH and still, the payment system wouldn't let me make an escrow shortage payment on its own -- it had to be in addition to TWO regular payments ( not one -- if you choose one, it doesn't let you pay an escrow shortage ), so I went ahead and did that, totaling {$5300.00} for XXXX mortgage payments plus the escrow shortage. 

XX/XX/2022 ( I think ) : XXXX. I logged in again, and it showed I have an upcoming bill for XXXX, even though I had made XXXX payments ( NOT to principle ). 
XXXX. My husband called them and tried to sort it out. They said it would be fixed in the system within 5 days, and that we'd just owe {$200.00} in XXXX, and then from XXXX on we'd make regular payments of {$2300.00}. 
XXXX. We switched to XXXX billing, to make sure we don't miss correspondence in the future. 

XX/XX/2022 : I logged into my PHH account and it STILL shows that we have a XXXX payment due, even though we've paid over $ XXXX this month! 

I would like the govt. to hold PHH accountable for : XXXX. Not contacting people ( at all! ) when they are signed up for e-billing -- not when they have a payment due, when a payment is late, or when late fees are applied. They expect you to sign into their system -- NO other lender or vendor has ever done this to us. We have a high credit score and pay our bills on time -- and have had mortgages on XXXX other homes in the past with XXXX XXXX, XXXX, etc.. This is either egregiously lazy on PHH XXXX part, or intentionally negligent in order to collect late fees. 

XXXX. Either lying about how their online payment system works, or just not having any idea. Twice we have been told it wasn't working or reflecting the correct numbers, but it would be 'fixed ' within a few days. Nothing was fixed.
Product: Credit reporting or other personal consumer reports

Billing errors were on my report. I was never late on any of my accounts. You can not report inaccurate information this a violation FDCPA false misreporting please update account to current and paid as agreed on time. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. This is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I spoke with a paralegal at XXXX, XXXX XXXX XXXX XXXX in reference to a debt that was reported by Mercedes Benz Financial institute. This debt resulted when in XX/XX/XXXX a XX/XX/XXXX mercedes benz that was being leased by me was repossessed. The vehicle had 4 months remaining on the lease with a balance of {$1800.00} plus late fees and personal property tax. At that time, the balance to pay the debt was around {$4000.00} On the day that the vehicle was reposessed, I went to the auto tow location where the vehicle was taken and attempted to pay that balance and retrieve the vehicle to return it to XXXX XXXX. Mercedes Financial refused to accept payment, and the vehicle was sold at auction. 

After selling the vehicle, I received a statement from Mercedes with a balance due of {$17000.00}. This amount includes balance on lease, property taxes and fees required to repossess and sale the vehicle plus the amount that represents the difference in the value of the car less the amount the vehicle sold for. The lease that I signed with mercedes clearly states the required payment amount due if in default. 

My complaint is that Mercedes Benz has turned this debt over to XXXX, XXXX XXXX XXXX but the amount due is in error. I have communicated this information with them and I am getting the run around. I wish to resolve this debt as it is affecting my credt, however I am only willing to pay the actual amount that I owe. 

I spoke with XXXX XXXX at XXXX, XXXX XXXX XXXX but I have not been able to resolve this issue.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against XXXX, Experian, and XXXX due to their failure to correct inaccuracies on my credit report despite multiple dispute attempts. The information remains incorrect, and my previous complaint was closed without resolution. 

The credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) in the following ways : FCRA Section 1681c ( Exclusion of Information After Specific Periods ) The reporting of outdated information on my credit report violates the FCRA, as the account in question should have been excluded after the legally required period.

FCRA Section 1681i ( a ) ( 1 ) ( A ) ( Reinvestigation of Disputed Information ) The credit bureaus failed to conduct a reasonable re-investigation of the disputed information and did not provide adequate evidence to support the validity of the reported items.

FCRA Section 1681e ( b ) ( Accuracy of Information ) The credit bureaus have failed to ensure the accuracy of the information on my credit report, resulting in the continued reporting of inaccurate data despite my efforts to dispute it.

I am requesting that the CFPB investigate the matter and take appropriate action to ensure that the credit bureaus comply with the FCRA by correcting the inaccuracies and addressing the violations outlined above.
Product: Credit reporting or other personal consumer reports

The payment status on my credit report inaccurately reflects consecutive 30-day late payments for the same account across all three credit bureaus : XXXX ( XXXX, XXXX, and XX/XX/year> ), Experian ( XXXX, XXXX, and XX/XX/year> ), and XXXX ( XXXX, XXXX, and XX/XX/year> ). This information is incorrect, as the payment status for this account was current and paid on time during these months. I request that all inaccurately reported late payments be deleted and the status be updated to " Paid on Time. ''
Product: Debt collection

capital one auto has repeatedly continued to report this on my credit. I have disputed this numerous times and the text messages continue. Please stop trying to collect this. This has been going on for several years. 
Please remove this from my credit report. All three bureaus. This is harassment. 
In addition, the name this contract was under is not the same. 
Please see attached.