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

Credit report date : XX/XX/year>. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has 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: Debt collection

PNC BANK

Contact
XXXX XXXX XXXX XXXX, OH 44101
(XXXX) XXXX-XXXX  
HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Credit reporting or other personal consumer reports

**** Human manual review only, No automated system please. Be compassionate **** Please see the issue where you all reporting that the details of the XXXX XXXX, XXXX show that there is no first date of delinquency or late payment however when I click on payment history you all are reporting late payments. XXXX has it as 60 days late consecutively on from XXXX to XX/XX/XXXX and XX/XX/XXXX. It is impossible for that to be accurate a month is 30 days not XXXX, why are you all telling the public that I am 60 days late for 5 months? You are literally hurting twice as much as possible. And worst is that I was never late! Experian has it as 3 30 day late payments. They are not even consistent with what they report to you all. They can not be trusted to be fair and accurate as FCRA requires. Please see the attachments. If there is no date of first delinquency because I have never been late. The manager at XXXX XXXX has some personal issue against me and keeps violating FDCPA laws to keep false reporting back to you all confusing details of a late payment that never happened. I have paid off the balance on this account and this record needs to be deleted because its clear that this creditor is not committed to following the consumer protection laws regarding their reporting. You keep following what they say instead of deleting this as the law requires. You all keep saying things are verified then I dispute showing incorrect information then you all update things. You all need to delete this record. There system is clearly wrong since it cant even report a delinquency date and cant even report the same to all credit reporting companies. There should be no red for any month indicating any late payments! There should only be green check marks to show that there were no missed payments. You all keep making inaccuracies on it. They are not supposed to even report any late payments to to federal laws that were passed for that time. Credit reporting companies are required to comply with the law, by deleting these late payments or removing the accounts if the creditor keeps ignoring the law and fail to comply with reporting restriction. Asking them to keep this verify and automatic reporting loop going is just wrong and illegal. I am suffering because your personnel or the systems they use are constantly presenting false and inconsistent information to the public. You all will be held accountable for violating my rights! Just delete this account.
Product: Debt collection

All these accounts do not pertain to me its fraudulent and not my information. And I would like them to be removed from my credit report. I would also like this issue to be investigated.
Product: Debt collection

This old account was closed in XXXX XXXX XXXX agreed to close it & they sent me to a debt collector. I paid {$140.00} of money i don't have i lost my wife in XXXX to covid 19 i am struggling to survive i want my {$140.00} back they had optioned # 1 so i paid {$140.00} money i don't have i don't deserve to be hassled by old debt collectors that still want my money from an account that was closed back XXXX i want my money back {$140.00} & take it off my credit report i paid it leave me alone stop sending me these letters I paid the optioned # 1 it was the only amount i can pay to get these people off my back
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer report and informed your agency on XX/XX/year>XXXX  regarding several disputed items. However, despite this notification, the issue remains unresolved in a manner that is fair and equitable to me, as required by the Fair Credit Reporting Act ( FCRA ). Your agency has clearly refused to follow the law and honor my previous request. Therefore, I am requesting a reinvestigation and demanding that your agency explain your METHOD OF VERIFICATION in verifying these items, pursuant to 15 USC 1681i ( 7 ). 

I have suffered emotional distress as a direct result of this matter, and I demand that this be resolved equitably, which has yet to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXXhirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Product: Debt collection

Personify ( Applied Data Finance ) knows that I am represented by an attorney yet the continue to contact me to solicit me not once, but twice in XXXX. This is a violation under the California Fair Debt Collections Practices Act 1692 c ( c ) After written notification that consumer refuses to pay debt, or that consumer wants collector to cease communication 1692 c ( a ) ( 2 ) After it knows the consumer to be represented by an attorney unless attorney consents or is unresponsive. 
No lawsuits are filed as if this time. I want this harassment to stop, but it keeps on going instead.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX 15 U.S.C. 1681i Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the credit reporting agency must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Debt collection

On XXXX XXXX, I called and spoke to XXXX XXXX She told me she didn't have any payment and she couldn't provide any info and for me to call the original creditor. 

0n XXXX XXXX XXXX  I called the original creditor and spoke to XXXX, she didn't have any updated info as well. She said she will be calling the collection agency and will it removed from my credit report.
Product: Credit reporting or other personal consumer reports

I called your department after I purchased a credit report with XXXX After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a late closed and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these XXXX XXXX and collection, including this incorrect information from my personal profile. A copy of my XXXX XXXX, drivers License, and my XXXX XXXX  XXXX are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS XXXX XXXX XXXX XXXX XXXX  ; Inquiries : XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>, XXXX XXXX Inquiry Date XX/XX/year>.
Product: Credit card

This complaint is regarding Synchrony bank. I have several different accounts with Synchrony bank that was transfer from GE. However, when I obtained the accounts in the store, I was told I could get XXXX insurance. When I got the cards, I notice no XXXX insurance paperwork. I contacted the credit cards company and was told they do not offer XXXX insurance. So I was upset but felt there was nothing I could do. However, I recently got an Amazon card by the same bank, and I was offered XXXX insurance. I then search to see if Synchrony bank provided for other cards and came across the lawsuit against GE/Synchrony bank. Based on what I read, I saw they need to offer XXXX insurance. Back on XXXX/XXXX/14, I went out on workmen 's compensation for almost seven months. I was still forced to pay all my credit cards and when I went back to work, was late and received fees. Because my first XXXX paychecks I did not get paid because I was caught up on all my insurance. I had called Synchrony bank and was informed they could not help me and to pay the bill. Also told me well you have no interest to worry about. But if I ca n't pay the bill then I get hit with a late fee. My credit cards are XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX and recently added XXXX. I hope that CFPB can help me with this issue.
Product: Credit card

{$150.00} Will appear on your XX/XX/XXXX statement as RENEWAL MEMBERSHIP FEE Print Card : XXXX XXXX - XXXX Tags ( MemberShip ) {$99.00} Will appear on your XX/XX/XXXX statement as XXXX XXXX XXXX Print Card : XXXX XXXX - XXXX Tags This is XXXX XXXX, I am holding an account from American Express XXXX XXXXXXXX XXXX, I have not noticed how credit card companies are scamming more closely if people do not evaluate their accounts, I just checked it they have changed my Annual Fees to {$150.00} without paper notice or anything, they charged me {$99.00} in XXXX and {$150.00} in XXXX without any notice they have increased, I could have paid off and I am doing it and I just paid {$300.00}, I need whole {$150.00} back in to my account because they cheated me and scammed me, it should be penalized on American Express to put entire {$150.00} back in to my account, I trusted them and they did not trust me, I will cancel this card by next week after paying off only {$54.00} and closing this account permanently and they will be losing customer and will not travel XXXX anymore, never will buy hotel as I did it in XXXX I was impressed.. but they scammed me, I accepted only {$99.00} annual fees but not for {$150.00}, they should refund entire money as soon as possible, otherwise I will cancel this card and publish this entire story on social media, XXXX, and other outlets.Thanks Here is my Account Number : - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A bit of historyI was a victim of identity theft in late XX/XX/XXXX, early XX/XX/XXXX. I filed a police report, completed an identity theft affidavit, and provided both to Equifax ( EQ ), XXXX  ( XXXX  ), and XXXX  ( XXXX  ). The few instances I had to work XXXX and XXXX  where seamless and hassle free, EQ not so much. EQ assigned my file to The Office of Consumer Affairs ( TOCA ) in mid-XXXX XXXX when I notified them that my birthdate had been changed on my credit report. After providing them with documentation to verify my identity they corrected it, didnt seem concerned, yet refused to tell me what credit provider sent them the bogus info. Since then Ive had 3 credit cards compromised, was part of the original Equifax breach discovered on XX/XX/XXXX,  and received a letter from Equifax dated XX/XX/XXXX informing me that my personal documents ( social security card, drivers license, and birth certificate ) uploaded to them at their request, had been accessed as well. In XX/XX/XXXX EQ shared my extended fraud alert information with XXXX which is fine however the information shared didnt include my contact numbers rendering the alert useless. Although Ive been told repeatedly by TOCA that they have my credit report locked, I recently noticed that I have 3 unauthorized inquiries on my credit report which they cant explain. MY COMPLAINTOver a year ago Ive questioned some of the Associated Addresses reporting my credit report. Some belonged to relatives which didnt concern me rather the more troubling addresses wear the 3 that I have no connection to what so ever. Ive disputed these 3 addresses multiple times with TOCA however each time they come back with address used for billing and/or application purposes will appear and remain on credit file. Then last month I noticed that one of those addresses in question was now reporting as my current address. Knowing that a red flag for indemnity theft is the unauthorized change to ones personal information I again contacted TOCA and requested they investigate this and the two other addresses in question. The TOCA corrected my address, refused to tell me which credit provider sent them with the wrong address, and once again said these addresses where associated with me. Im hoping that the CFPB can direct EQ and TOCA to provide me with the name of the creditor providing the information allowing the following addresses to appear on my credit report. If this is not possible I would asked that the addresses in question be permanently deleted from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. This is the address that was used as my current residence. Its an old office build that I have no affiliation with. XXXX XXXX XXXX XXXX XXXX TX XXXX. Ive never lived or even been to Texas and to the best of my knowledge have any relative in Texas either. A quick XXXX doesnt show this is a valid address. XXXX XXXX XXXX XXXX IL XXXX. A XXXX  search shows this XXXX XXXX   is for XXXX XXXX XXXX XXXX. I have no affiliation with XXXX XXXX what so ever.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or 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: Credit card or prepaid card

On XX/XX/XXXX, I applied for the Citi Custom Card for the sole purpose of using it for my wife 's birthday party on XX/XX/XXXX. 

On XX/XX/XXXX, I received an e-mail approving my request for their promotional offer and giving me a {$7100.00} credit limit.

Shortly thereafter, I received my card and a letter indicating the terms ( {$7100.00} credit limit, 0 % APR for 15 months ). 

I was able to use the card on XX/XX/XXXX XXXX {$250.00} ), XX/XX/XXXX ( {$79.00} ), and XX/XX/XXXX ( 3 transactions at the same restaurant for {$41.00}, {$60.00} and {$190.00} ). 

On XX/XX/XXXX, I used it at two different restaurants in the same neighborhood ( {$320.00} and {$120.00} ). When I tried using the card to pay for my wife 's party at a restaurant in the same neighborhood as the other two transactions above ( {$2500.00} plus tip ), it was DECLINED.

I immediately called the back of the card to ask why it was declined and was told they suspect fraudulent activity. I confirmed the purchase and asked they send an e-mail or text. They refused. They told me I had to wait for a letter in the mail that could take 7 to 10 business days. 

I called again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They refused to authorize the transaction and insisted I had to wait for the letter. On XX/XX/XXXX, they even called my XXXX card, verified my name, social security number, and address with all three of us on the call. This took over 45 minutes. After all was said and done, they STILL REFUSED to authorize the transaction because the name on the XXXX card was XXXX instead of XXXX. I was forced to make the transaction with a different card with a much, much higher interest rate. 

On XX/XX/XXXX, I called and requested that I be able to make a balance transfer with no fees because of all the problems with their card. Their normal fee is 5 %. THEY REFUSED! 

I have owned credit cards for over 40 years and I have great credit. NEVER, EVER have I experienced such issues and problems with a company. 

Furthermore, their Reps are difficult to understand and communicate with. On a couple of the calls, I asked for a supervisor or manager higher-up and was told there was nobody available.

Not only has my credit score been impacted by their inquiry, I was not even able to use the card for the reason I applied. To say I am angry is putting it mildly. First of all, it was an embarrassment to be declined. Secondly, I made purchases in the same neighborhood on the same night with no questions. Thirdly, I was nowhere near my credit limit. Lastly, they need a quicker way to authorize transactions.
They have questionable, unacceptable and unethical business practices and should be put out of business.

What I am asking for is for their inquiry to be removed from my credit score and a balance transfer with no fees.

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX  Balance : {$4900.00} ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX  Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two items sent to collection ( XXXX  ) at the Simons Agency. One for {$20.00}, and the other for {$54.00} for a total of {$74.00}. This debt was taken care of on XX/XX/20. The information has yet to be removed or marked as paid on my credit report. I have contacted Simons and they told me its a problem with XXXX. I contacted XXXX and they said its a problem with Simons Its been over 3 months. I want it off my credit report.