23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2021 I viewed my Bank of America XXXX debit card account online and saw that over 10 fraudulent charges had been placed on my car, Totaling in a little over {$1700.00} dollars. The charges mostly were from a smiths fuels gas station. The nearest XXXX gas station is in Nevada. I live on the coast of California. And have never been to Nevada. 
I immediately contacted Bank of America, cancel my card and filed a claim. I was assured that they would review my claim and get back to me in 90 days. On XX/XX/XXXX, I received a letter stating that my case and been closed and that the money credited to my account will be taken back. Bank of a AmericaXXXX card has a {$0.00} liability. And I was robbed. And then Bank of America deemed it not fraudulent. Which is not true. 
Side notes : I never lost my card ; I never gave my card to anyone. I did not share my card information with anyone. I have seen many other people in this same situation with XXXX and the Bank of America pre paid card. Somehow we are being hacked and virtual robbed. And we are being wronged the the very companys who claim to protect us. What is {$0.00} liability, if low income people like me can not find resolution to a legitimately unjust act, like virtual theft during a pandemic? 
Thank you for your time and I hope we can make this right.
Product: Credit card or prepaid card

On XX/XX/2023, I created and mailed a letter to Comenity requesting documentation with proof of my identity about Account Number : XXXX and I have yet to receive a response. The timeframe has exceeded the legal time frame for the documents to be produced. I have no idea how to get the documentation and I am in need of assistance at this point. According to the FCRA, I am entitled to receive these documents upon written request and now they are violating my consumer rights.
Product: Credit reporting or other personal consumer reports

Ive never opened an extra credit card or had any other form of light bill in my name. The following accounts and inquires are fraudulent and wasnt authorized by me. Please be sure to remove these accounts.
Product: Checking or savings account

PNC-BANK '' ( Call us immediately at ( XXXX ) XXXX ) XXXX - was sent as a text message to my phone. When I called the number the automotive voice said I needed to activate my card or it will close. I unfortunately answered all the questions such as my social, birthdate, card number, pin, as well as other pertinent information regarding my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$5100.00}
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. 

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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 : "
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another continuation for original complaint XXXX filed on XXXX and other open complaints on Transunion. It has been well over 30 days.The same accounts have been in dispute since. If the accounts are " verified '' why is the proof of verification so hard to receive as I have requested numerous times? According to the FCRA these account must be deleted. Transunion is in violation! My disputes and complaints have been ignored.I am sick and tired of this game Transunion is playing with my credit profile. It's almost XXXX month # XXXX  and they are still playing games! Transunion you illegally reporting unverified items monthly on my credit file.I DEMAND this to be removed immediately! It is Transunion 's job to make sure they are reporting ACCURATE information.I can understand a mistake this is no mistake. Just to flat out lie and ignore requests from a consumer that has rights you continue to ignore and not obey they law. It's absurd that your company would put something like this on my credit file.
Product: Debt collection

Was offered a settlement by debt collector of {$1900.00} in    XXXX   of 2017. W as unable to settle said debt at the time. Contacted the debt collector personally offering a settlement of {$1000.00} 4 months after their offer. Came to this number after making {$920.00} in payments over 4 months ( {$230.00} in auto debit s ). Debt co llector proceeded to tell me they had to get approval from accou nt holder (   XXXX  University  ) since they o wned account. Debt collector responded that the offered was turned down by account hold er (   XXXX  Universit y ).  I then contacted the school personally and spoke to  XXXX   XXXX . She then instructed me the school would be willing to work out some settlement but the debt  collector   ( Williams and Fudge ) st ated they would not take a settlement due to the comission rate. Then contacte d Williams and Fudge directly ag ain and they said that this was false and that they would not say that.  XXXX   XXXX   ( representative from Williams and Fudge ) s tated that I would not be able to renegotiate my monthly payment amount of {$230.00} per month to {$50.00} per month due to economic hardship since it is not an adequate amount for my debt.     Direct line for me is  XXXX   XXXX   XXXX  ( cell  ) direct office lin e during business hours is  XXXX   XXXX   XXXX  ( offic e line ) Contact in fo for  XXXX   XXXX  is  XXXX  (  XXXX   XXXX   XXXX   Contact info f or  XXXX   XXXX  is  XXXX   XXXX   XXXX  ext  XXXX
Product: Checking or savings account

Waited until all pending payments where made closed all automatic payments for utilities and such closed my account on XXXX apparently there was transaction through XXXX that was that was late to process untill XXXX with this account the bank open a checking 's account and my name and paid this bill not allowing the vendor the contact me I received a letter from regions Bank informing me that they had open a checking 's account in my name and paid the {$40.00} to XXXX i would be charged for insufficient funds I have taking care the XXXX bill but what my concern is places that i have had a one time withdraw XXXX has me on a automatic withdrawal even though I asked them to take me off so if they send this {$260.00} bill did that account the bank will open up a new account in my name and pay XXXX XXXX I no longer desire and charge me insufficient funds if there is no law preventing this from happening I suggest you create one thank you for your time
Product: Credit card

SUMMARY After taking a cash advance at XXXX XXXX interest that was paid off prior to the end of the offer period, I was then charged an interest payment. XXXX months later, I received a Past Due Notice the first indication that there was any kind of an issue. The facts are simple. 

FACTS A {$25000.00} cash advance was taken from my USAA XXXX XXXX Credit Card in XX/XX/XXXX pursuant to a XXXX XXXX Offer for XXXX XXXX  promotional APR. The Offer stated : After your XX/XX/XXXX billing cycle, your regular cash advance APR, currently XXXX XXXX, will apply to these balances. [ emphasis added copy of offer attached ]. 

The XX/XX/XXXX XXXX showed a balance of {$20000.00} due XX/XX/XXXX. The XXXX XXXX showed a payment of that amount on XX/XX/XXXX and XX/XX/XXXX with a new balance of {$160.00}. That new balance was based on a balance of {$15000.00} at 13 % interest. [ Both Statements attached ]. 

I never received any notification in writing after I paid the balance shown on the XXXX statement until I received a letter in XXXX from a XXXX XXXX. I responded disputing the debt [ See attached copy of my letter ]. 

ISSUES First of all, I am being charged XXXX XXXX  vs the originaXXXX XXXX XXXX shown on the Promotional Offer. The balance was totally paid off prior to the due date of XX/XX/XXXX. This was prior to After your XX/XX/XXXX billing cycle. 

Next, if there is any ambiguity here, I would like to point out that this Offer was prepared and printed by USAA. When I made a telephone call to USAA prior to XXXX, I was informed that a payment in XXXX prior to the due date would avoid any interest charges. USAA claims that they can find no reference of such a telephone call in their records. 

I attempted to resolve this with numerous telephone calls and letters [ copies of letters attached ]. 

I received notification from my credit monitoring service that USAA has notified the credit bureaus that my payments are late. When my XXXX statement arrived, I sent a dispute letter, certified mail, in response [ See Statement and letter attached ]
Product: Credit reporting or other personal consumer reports

MY CREDIT REPORT IS CURRENTLY NOT ACCUATE AND I WOULD LIKE THESE ITEM REMOVE SO MY CREDIT REPORT CAN REFLECT THE CORRECT IMFORMATIONS. 
ACCOUNTS THE XXXX XXXX XXXX INQUIRES XXXX XXXX BANK XXXX I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in the files below. I am a victim of identity theft. I have multiple accounts and inquires that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identify to the federal Trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. please block this information from my credit report, pursuant to section XXXX of the fair credit reporting Act.
Product: Debt collection

Thank you National Credit Adjusters what was sent to the CFPB was paper that is not a validation there was no original contract with my signature from XXXX AND no contract from you with my signature 15U.S.C.1681a { e } that's law that you are required to follow,15U.S.C.1611,15U.S.C.1602 { l } ,15U.S.C.1692e { 2 }, 15U.S.C.1681A { e } ,15U.S.C.1681 { b } these are laws that needs to be followed in Validation reinvestigate, but the law states that the account has to be removed while under the investigation Please refer back through the CFPB thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Midland Credit Management acct # XXXX has violated my consumer rights. I did not give Midland Credit Management my written permission or instructions to furnish this negative account on my consumer report. I have requested documentary proofs of my written consent given to Midland Credit Management and no other company. 15 US Code 1681 section 602 A states that I have the right to privacy. 15 US Code 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account without my written permission or instructions. 

PLEASE SEE ATTACHED****
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX with Account ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Product: Debt collection

I have an outstanding CC balance with XXXX XXXX that has been entered into a debt settlement program with XXXX XXXX XXXX. XXXX XXXX has turned this debt over to Portfolio Recovery who has been calling my phone at least 5 times a week over the past 3 months, usually during the week and sometimes on the weekend, but has yet to leave a voicemail. I know it's them because the debt amount to XXXX XXXX has shown up on my credit report with their name. EVERY TIME THEY CALL IT'S FROM A DIFFERENT NUMBER!!! I'm not going to answer phone numbers I don't know, especially not while I'm at work, but I consider this harassment because they NEVER leave a message. If calling me is so important to them, then why no message? This is absurd and I want it to stop!
Product: Credit card

Please see the attachments from the company : the company identified on or before XX/XX/2024 that its website causes problems with overcharging the company 's consumer credit card. ( attachment AA XXXX ) Since then, I have been asking the company to fix the overcharge problem, and provide direct contact information to correct the overcharge problem. 

For 2 months, the company routes me to international call centers, with confusing disclosures or to representatives who don't know how to fix the overcharge problem. For example, please see the confusing, non-sensical disclosure from the company on XX/XX/2024. ( attachment AA XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX. XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, ACCT # unknown, has violated my rights. 
XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX acct # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX XXXX, acct # XXXX, has violated my rights. 
XXXX XXXX, acct # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
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 XXXX XXXX Account Number : XXXX Reason : Late Payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason : Late Payments, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Mortgage Account Number : XXXX Reason : Late Payments, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Name : XXXX XXXX  Account Number : XXXX Reason : Inaccurate Information Account Name : XXXX XXXX Account XXXX : XXXX Reason : Inaccurate Information Account Name : XXXX XXXX XXXX  Account XXXX Reason : Inaccurate Information Account Name : XXXX XXXX XXXX XXXX XXXXr : XXXX Reason : Inaccurate Information 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 adverse item of information, other than records of convictions or 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 or to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this alleged debt until it appeared on a recent credit report. I request debt validation and proof of claim for this account.
Product: Credit reporting or other personal consumer reports

**Subject : Dispute of Inaccurate Late Payment Reporting on My Credit Report** **Date : XX/XX/XXXX, XXXX Dear Sir/Madam, I am writing to dispute the inaccurate reporting of late payments on my credit report, specifically related to the credit account **XXXX XXXX BANK NA** with account number XXXX. Upon thorough review, I have identified discrepancies in the reporting, which are a violation of the Fair Credit Reporting Act ( FCRA ). The late payments reported on the aforementioned account are inconsistent with my payment history. I would like to bring to your attention that, to the best of my knowledge and records, I have consistently paid this account on time and in accordance with the agreed-upon terms. 

It is my understanding that under **15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) **, my consumer report should not contain information solely related to transactions or experiences between the consumer ( myself ) and the party ( you ) making the report. Payment history and the associated late payments negatively affect my consumer report and are considered part of my transactions and experiences with your company. 

Furthermore, I am requesting that you provide me, in writing, the reasonable procedures adopted by your company in compliance with **15 USC 1666b**, ensuring that my periodic statement is mailed to me ( the consumer ) no later than 21 days before the payment due date. Please also include all the information required by section 1637 ( b ) of Title 15.

**Reference to PAANL ( Paid As Agreed, Never Late ) : ** The terms of our agreement have always been adhered to, and the account in question should reflect a status of " Paid As Agreed, Never Late '' based on the timely payments made. It is crucial that my credit report accurately reflects my financial responsibility and commitment to meeting my payment obligations.

Therefore, I request that you provide documented proof supporting the claim of late payments on this account. This proof should include specific details such as dates, amounts, and any relevant information demonstrating that the payments were indeed late. In the absence of valid proof, I expect this information to be rectified promptly.

If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I demand that the account be promptly updated to reflect its accurate status as " Paid As Agreed, Never Late. '' Per the FCRA, I request that you conduct a timely investigation and provide a written response within 30 days of receiving this dispute letter. Failure to meet this timeline will be considered a violation of the FCRA.

I appreciate your prompt attention to this matter and expect a resolution that aligns with the legal obligations outlined by the FCRA. Your cooperation is crucial in maintaining the accuracy and fairness of my credit report. 

Sincerely, **XXXX XXXX XXXX** XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

On XX/XX/XXXX I went to the PNC bank to get a duplicate card. I sat for 45 minutes and watch the bank teller help other customers who basically ignored me. He began assisting walk-in customers who came after me and left before me. I am XXXX with a support animal and I felt that I was overlooked and treated unfavorably. In addition, I am a XXXX female. He decided to come back to me 45 minutes later after checking out his walk-in customers stating that the machine is broken and that the bank manager apologized and that my debit card will be expedited shipping and gave my support animal a toy. I left the bank and was upset and did not show it really. I received an email two days later on XX/XX/XXXX confirming that I received my debit card. I called the bank 's online customer service and the female inform me that my card will come on XX/XX/XXXX. 

On XX/XX/XXXX when I noticed my card was not in the mail I contacted the PNC bank again. I said the whole story again what happen and how I received an email confirming that my card was given to me on XX/XX/XXXX and I never received it. She told me that she spoke to her co-worker XXXX and gave me a reference number # XXXX that my card is expedited again and will be delivered by Tuesday XX/XX/XXXX. 

I found out on Saturday XX/XX/XXXX that my card was used! The PNC customer service rep fabricate that my card was expedited on Friday was not true. I called online bank and the customer service person was very disrespectful towards me. He acted egregious and I had to basically fabricate that I was at the police station and need to speak to a supervisor. He did not feel that it was not an emergency that my account was not secured and my card was used by someone. He finally put an online manager on the phone. She stayed on the phone with me until I reach the bank location to stop any false transactions with this card and change the card. 

The wait was about 40 minutes until I was called. I request the bank manager he never showed his face. A lady assisted me and she gave me a new card and then found during this time the person who used the card did not get any money from the account. 
I did speak to the Escalation department she listen to what I had to say respectfully. However, the XXXX PNC bank manager called this a mistake downplaying what is advertised as a secured bank and making excuses for her employees. I do not feel secure and my concerns are swept under the rug. Why did the bank fabricate that they expedited a card twice and it never happened? The email states they gave my card to me when it never happened is very concerning.