23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

FINANCE SYSTEMS OF TOLEDO IS ATTEMPTING TO COLLECT MONEY FROM ME FOR AN DEBT FROM XXXX PUBLIC LIBRARY. I RECEIVED A LETTER FROM THEM. THE DEBT WAS PAUD WITH THE LIBRARY WHO CONFIRMED THAT I DONT OWE THEM ANYTHING. FINANCE SYSTEMS SHOULD NOT BE CONTACTING ME REGARDING THIS.
Product: Bank account or service

Last year I was in the market for an apartment and I was researching mortgage rates. I found a good rate at PNC. The rate was better if I opened a PNC bank account. I did so but I did n't intend to use the account. Eventually the real estate transaction fell apart because the seller priced the apartment at {$20000.00} more than its appraisal value so PNC could not honor the loan amount. At that time I had stopped direct deposit on my rent from XXXX XXXX XXXX so I had to pay one month 's rent from PNC. This brought my PNC balance to {$1600.00}. I did not know that under {$2000.00} PNC would charge me {$15.00} per month. I received no online alert stating this. Three months later the bank called me to tell me they had removed {$45.00} from my account. I went on line and discovered that there were numerous automatic alerts in online banking including insufficient funds but this refers to insufficient funds for a check not for PNC 's limits. To get an alert for that the customer has to know that they need to set a balance alert. I am not an irresponsible person. I do n't have any credit card debt or other debts and had I known about the fee I was being charged I would have immediately put money into the account to fix the problem. Luckily {$45.00} was an amount I could afford and I was notified before this went on indefinitely. However, I know that for some of the indigent clients whom I represent losing this amount would be a hardship and could potential cause many problems for them and their families. There are benefits and drawbacks to having everything online but one benefit should be increased protections and safeguards for consumers not fewer of them. If banks are going to be able to charge fees to customers who still have money in their accounts and who have online banking they should have to send an automatic alert stating this fact when it happens. Why should they be able to choose to automatically alert me about insufficient funds but make alerting myself when they withdraw money from an account that still has money in it solely my responsibility? They did not instruct me that I needed to set up this balance alert at the time I opened my account. I trust that the CFPB will act so that banks can not hide this practice by claiming it is the consumer 's responsibility to know every aspect of online banking. Please ensure that customers know when their money is being taken by banks. If they choose not to fix the problem then that is the customer 's fault but if they are not made aware of the problem so that the bank can keep collecting fees that is a problem of corporate malfeasance. I thank you for your work protecting the American consumer and I hope you will address this concern.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of a fraudulent credit inquiry listed on my credit report. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have this unauthorized inquiry removed.

The inquiry in question is as follows : Inquiry : XXXX - Date : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. Transunion, XXXX, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX, XXXX XXXX, XXXX  XXXX, and XXXX XXXX XXXX. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent Transunion, XXXX, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship.
Product: Mortgage

My mortgage is current with Seterus Inc., and has been paid on time over the past 9 years. The payment is due on the first ; the grace period is until the XX/XX/XXXXof the month. My payments for XX/XX/XXXX and XX/XX/XXXX were paid after the XX/XX/XXXX but before the XX/XX/XXXX. When receiving the statements, they show a past due amount because the company sends out statements dated the XX/XX/XXXX. There is no past due payment on these statements. When speaking with a rep, I was told this is what the company does and a lot of customers get upset about it. It doesnt look good to get a statement showing past due when that is NOT the case. This could be very confusing to some clients who scramble each month to keep their payments current. They could end up forwarding additional payments thinking theyre past due. The company should be able to change their practice and not send statements out until after the XX/XX/XXXX of the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple addresses are reporting on my credit report, that is not my correct mailing address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL
Product: Credit card or prepaid card

Bought condo time share from XXXX through commenity bank. Bought XX/XX/2018. Paid balance XXXX when funds transferred. Next bill showed full balance still. Next statement showed late fee paid. Next statement late fee still showing. Next statement new late fee and added interest from original contract. Paid original contact only new fees added. Offered to pay fees but not interest. Company refused even though I was obviously trying to pay. Also statement came in as XXXX not commenity so got mixed with other XXXX mail. XXXX shows paid in full. They reported current in XXXX then reported late again so keeps hitting report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Dear Sir or Madam, I'm contacting your office for assistance in reference to errors and inaccurate information on my Experian credit report. The agency has refused to remove the errors, and this has been an dispute since XX/XX/XXXX. 
It was Experian duty and obligation to do an reasonable investigation and provide the results. The time frames they had to do an investigation and reinvestagation is over. 
As XXXX the FCRA, the furnisher has XXXX  days from the date the consumer filed the dispute. Please investigate why Experian has not promptly removed the inaccurate information. Moreover, I don't believe an investigation was done for what I am disputing... 
( Various names and addresses, closed accounts, and of multiple inquires reporting auto loans. ) As per the Consumer Financial Protection Bureau website, See XXXX Loans. Make no mistake, " Lenders can make requests, also know as inquiries to access your credit files. These requests will only count as a single inquiry if they were made within XXXX to XXXX days ''. 
Experian website clearly states : " XXXX Loans and Other Loans Impacts Your XXXX XXXX? " Paragraph XXXX summarizes XXXX loans. " If different inquires all occurred within XXXX XXXX days of each other it is considered as XXXX XXXX injury. '' Nevertheless, Experian willfully refused to remove the errors below : 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 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 I am not known by any other names conducting my business transactions . 
( XXXX XXXX XXXX, XXXX, XXXX need to be removed. ) XXXX. I have reported and requested information over XXXX XXXX years old to be removed. 
( XXXX XXXX XXXX XXXX XXXXXXXX XXXX, need to be removed. ) Lastly, XXXX account closed since XXXX. This account has been re-aged in XXXX to continue to XXXX. Closed accounts should be removed within XXXX yrs. Not almost XXXX decades, this is concerning. 
I can not find Experian credit reporting agency to be credit worthy, and the agency has willfully refused to remove errors which violates my consumer rights as per the FCRA to report correct and accurate information. Please investigate this agency. I will govern myself according. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my XXXX XXXX XXXX was involved in an accident and totaled out with a pay-off amount of {$14000.00}. I did not have GAP insurance but my insurance company ( XXXX ) was able to cover {$12000.00} and the Ancillary product refund was {$600.00}. I had made every on-time monthly payment from the purchase of the vehicle and then past the accident. Normal on-time payments were made after the fact to pay off the incorrect remaining balance of {$1700.00}. Even though there was no vehicle I continued to make payments. In XX/XX/XXXX, I made a {$50.00} payment at the beginning of the month and when I went to make a second payment on the XXXX the payment portal was blocked. I called the number listed and spoke to a customer service rep, she stated that my account was in another department and that I should receive a letter with the final balance. I did not receive a letter and waited. On XX/XX/XXXX I received a XXXXXXXX XXXX alert paperless bill for {$220.00} due on the XXXX of XXXX, XXXX. This billing was obviously wrong My thought process was that maybe XXXX XXXX XXXX was giving me a break and extended the term to pay-off over time. I was wrong. 
On XXXX the XXXX I received a call from XXXX XXXX XXXX and spoke with Mr. XXXX XXXX. He stated that I had a balance due. I told him that I had tried to make a payment and I was locked out of the portal. I explained to him that I did not recieve a final bill and I asked if he could email the final bill which he did and if I can continue to make payments of {$200.00} more on the balance. He said yes. 
XXXX charged off my account without warning to me and misreporting and not properly reporting to the bureaus over several months and while I was making payments on the account balance. I called several times to try and fix this. I wrote a letter showing that my intent was to do right all along. This account is paid in full. This is wrong to do to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed late payment statuses being reported to the the CRAs by XXXX XXXX XXXX XXXX XXXX. I disputed with the creditors AND the CRAs by written letter on XX/XX/23, XX/XX/23, & XX/XX/23, and also electronically with the CFPB on date. I believe these account are STILL inaccurately reporting these late payments even after my numerous attempts to ensure the information on my report is being properly furnished. 

These accounts were marked verified by the creditor and bureaus. I was notified of results by letter and CFPB complaint results. 

Upon checking my recent credit report, I noticed something very alarming that needs to be brought to attention. Under the FCRA, I am entitled to accurate reporting at all times. 

On my most recent report, I am showing that both XXXX and XXXX XXXX have these accounts ' dispute statuses as " Account not Disputed, and are still reporting inaccuracies across bureaus. This is a very concerning inaccuracy as both companies and the bureaus stated they launched an investigation. 

I don't believe these accounts were properly investigated and verified. I no longer want another investigation. As a result of this improper investigation & my numerous attempts to ensure my information is being reported properly, I demand for these late payments be deleted promptly. These have been a hinderance, are inaccurate, and it is clear that these companies have not been complying to the FCRA laws as they are legally obliged to. They are untrustworthy even with my dispute processes to allow them to fix their errors. 

The CRAs are willingly furnishing inaccurate information following investigations. They are allowing these companies to be in non-compliance right along with themselves. They need to be held accountable. Please have this information removed immediately under the FCRA. Please send an updated report following these updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX ) has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act the XXXX account # XXXX XXXX XXXX has violate my rights. 

In accordance with the Fair Credit Reporting Act the XXXX  account # XXXX XXXX XXXXXXXX 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.
Product: Bank account or service

I had an issue with a merchant where the digital items that I have purchased were disappearing from my account. I used my paypal business debit card to make the purchases. After this occurring for months the only response I was getting from the developer was automated email mails that had nothing to do with the issue until the last one. It stated that I needed to provide screens shots of the items that disappeared. Since that was an impossible thing to do, being that they disappeared, I called XXXX support. They advised that since they can only refund 24 hours of charges due to company policy, I should call my card provider and dispute the charges. The total amount I have spent exceeds {$50000.00}. I called PayPal and filed the dispute. Only disputing the charges from the time I noticed the items disappearing. Paypal then denied the dispute and locked my paypal account in a matter of a few days. When I phoned them to ask why they responded saying I would have to hire a lawyer and subpoena them to get an explanation. A few months prior to this I had a fraudulent dispute filed on me and they decided against me due to the fact I did n't have proof of shipping. The item was a digital item so there is no way to prove that. I used paypal for a considerable amount of transactions prior to all this with no complaints or issues that would negatively portray me in any way. I feel that PayPal is taking advantage of being the middle man without accepting the responsibility of insuring the purchases properly. Due to the fact that the items I purchased were disappearing I felt that taking XXXX advice was the right course of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX for amount {$1000.00}, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score and I saw a hard inquiry from Citizens bank. I have never had any interaction with this company. I want to ensure that my identity has not been compromised. A similar thing happened with XXXX  XXXX XXXX. I attempted to open a business bank account and an account was already opened using my social security number with a different name.
Product: Debt collection

A joint credit card that my ex husband and I had was sent to a collection agency. I agreed to pay them starting 2009. My ex husband filed bankruptcy but I did not. This credit card was discharged in his bankruptcy case. The collection agency stopped taking payments out of my bank account at that point. Now a new attorney office/collection agency is coming after me for the balance even though it was listed in bankruptcy and paid through my ex husband 's bankruptcy.
Product: Debt collection

XXXX XXXX, XXXX XXXX, FL XXXX continue to call and email me even though a XXXX QWR prohibits any contact other than my attorney. The law firm Clarfield, Okon, Salomone & Pincus, P.L. has admitted to have the QWR, but hired the firm above to collect an unsubstantiated debt. I am in process of reporting this violation to the FLORIDA BAR, but this is a DIRECT VIOLATION of my rights and fits a continuing pattern of MALICIOUS and TORTUOUS interference with regards to the fraudulent debt this firm is claiming. Since XXXX the bank, servicers ( XXXX ), and attorneys have blocked my ability to work as a XXXX figure XXXX to the XXXX and financial industry, by reporting this fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identify theft and have tried to resolve this previously but Transunion is still in violation and using excuses such as proof of address ( attached to this complaint ) to delay the removal of unverified account : XXXX XXXX with no balance shown and needs to be deleted. limit {$5000.00} with no balance shown. 

No FCRA verification sent, FTC letter ignored. I'd like compensation for this violation for no less than {$1000.00}. 

My ID and SOCIAL with address and FTC report is attached as to not have them answer with any cause to delay this. 

Proof of address they asked and here it is again attached.
Product: Mortgage

Realtime Resolutions out of XXXX TX took over my loan from XXXX in XXXX XXXX. I had filed Bankruptcy XXXX and made my monthly payments for XXXX 1/2yrs with no contact with them until XXXX XXXX when they started sending letters to my Lawyer saying I was behind {$3200.00}. on the loan. I had my Banker look over the loan history in XXXX XXXX and with her assistance we called RTR to get the account straight. The account was corrected by a XXXX XXXX and we agreed that the loan was behind {$1100.00} for which I agreed to pay it back plus the monthly payment over a 4 month period from XXXX XXXX to XXXX XXXX. 
I made all the payments that were agreed and then the regular payment from that point on. I contacted RTR for an issue with them not sending me monthly statements around XXXX XXXX and found out my account is behind again {$330.00}. I sent RTR proof the payments were made from XXXX to present showing bank statements and cleared checks for which they are refusing to accept. I contacted my banker again and had her go thru the loan history and the letters RTR was sending and says RTR is sending conflicting information that doesnt add up in any direction. I need your assistance to find out what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was removed from my credit report from XXXX XXXX. My credit score should have increased by at least 23 points. However, my credit score decrease by 8 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account in XX/XX/XXXX with ToysRus/ Synchony Bank . I tried making several payments inXX/XX/XXXXand XX/XX/XXXX on this new account. Both payments were returned to me as the new account was closed. I called customer services of ToysRus/ Synchony Bank to complain that my payments are not being accepted. I was informed by customer services that my original account was inadvertently closed and that I will be issued a new account. I was issued a new account ( # XXXX ). I made a payment inXX/XX/XXXX via customer services. XX/XX/XXXX I was notified that my account was delinquent. This mix up with my account with ToysRus/ Synchony Bank is more their doing, as I made attempts to make payments and they closed the account unbeknownst to me. My credit has recently declined because this account with ToysRus/ Synchony Bank is listed as a delinquent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Mid-XXXX XXXX, I contacted the IRS about where my stimulus check was. They informed me that someone in XXXX  has been submitting taxes on behalf of my SSN since XXXX when I graduated university. I file paper tax returns as I live aboard and it's easier for me that way, but this person has been doing it electronically. I have since filed the appropriate documents to correct this with the IRS. I checked my credit score to find loans and etc that do not belong to me/I have never applied for. Additionally, the name is not my name on my credit score. I do not have XXXX in my first name nor do I have a middle name. In addition, I have never lived in Michigan like this person does. I don't even believe I have been to XXXX  other than when I was 4 as we were going to XXXX on a family trip. In addition, since XXXX, I have lived in XXXX after graduating university in XXXX. I want this person eradicated from my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXXNSTALLMENT LOAN 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

/I sent you a FTC report on XX/XX/year> about these fraudulent inquires and you refused to /remove them which is against the FCRA. If you do not remove these inquires, I will be seeking an attorney I know my consumer rights and your company is not following the FCRA. I am a natural person exactly who I have stated on this letter. Please do not stall again your company is causing me emotional distress. I am just trying to ensure my credit report has accurate information which it currently does not. 


Once again here are the inquiries that WERE NOT AUTHORIZED : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX