23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

TRANSUNION has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
I also sent out a letter to the clerk of XXXX XXXX requesting the method of verification of the validity of the bankruptcy. They responded that they do not report to any Credit Bureau. Credit reporting agencies verify records through a third party database such as XXXX and some even verify through other creditors. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Please provide the following : ( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the XXXX office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA XXXX. False or misleading representations [ XXXX XXXX XXXX ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Checking or savings account

Over the past year, I have been charged over {$500.00} in overdraft fees. My bank charges {$35.00} each instance. When I noticed that a lot of the overdraft fees were due to automatic payments that I was not familiar with, they tried to charge me an {$30.00} per account to stop payment.
Product: Credit reporting or other personal consumer reports

XXXX & XXXX ( better known as XXXX ) No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written consent of the individual, to whom the record pertain to. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not less than {$100.00} and not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine but is reflecting on my credit reports. 

First Progress Acct # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX or First Progress any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and informed Transunion of this as soon as I was made aware of an unauthorized inquiry back in XX/XX/year> from XXXX XXXX  and once the account showed up on my credit report in XX/XX/year> along with a XXXX  account appearing on my report the same month ( XX/XX/year> ) with no corresponding inquiry. I provided all this agency with my Identity Theft Report from the FTC along with my dispute letter requesting this inaccurate information be removed. The company claimed to launch an investigation however the results were inaccurate. I wrote a complaint on XX/XX/year> and on XX/XX/XXXX the accounts were satisfactorily removed however on XX/XX/year> I noticed the re-addition of these accounts which has caused damages including, denial of credit, offers with higher interest rates, as well as XXXX XXXX At this point I will be requesting compensation for these damages as a result of your failure to maintain accurate credit information. I will be including supporting documents and expect a prompt response to this matter and a satisfactory resolution, including the removal of the fraudulent accounts and compensation for the damages incurred. You will see attached XXXX XXXX reports due to me not being able to request a Transunion credit report on the Transunion site for some odd reason. I will also be requesting a credit freeze ( it would not allow this request on the Transunion website ) with my letter to your office.
Product: Checking or savings account

Established account on XXXX with Netspend via their XXXX XXXX XXXX Activated account by submitting online a copy of my US passport and Social Security Card on XX/XX/XXXX. Funded the account with {$2000.00} on XX/XX/XXXX. Transferred funds into their savings account, which i believe is XXXX. Account closed by company on XX/XX/XXXX due to suspicious account activity. There was no account activity other than funding the account. Company will not return funds, despite multiple instances in contact.
Product: Mortgage

I had & XXXX dollar loan was sold to ocwen then phh I paid almost XXXX this is horrid I just sold my home & phh took almost XXXX dollars from me Ive been making payments for years they tried for closing several times that I was making payments
Product: Bank account or service

PNC Bank improperly debited my daughter 's virtual wallet bank account a $ XXXX monthly service charge for the months of XXXX and XXXX 2016, for a total of {$50.00}. PNC states the reason for the $ XXXX monthly service charge was that the " spend '' portion of her performance select virtual wallet account contained less than {$5000.00}. Importantly, my daughter 's entire virtual wallet account, including the " spend '', " reserve '', and " growth '' portions of the account, totaled at least {$11000.00} during XXXX and XXXX 2016. PNC 's own " Consumer Schedule of Service Charges and Fees '' dated XXXX XXXX, 2016 and available online at the PNC website, states, for the performance select account, " No Monthly Service Charge if you meet any one of the following : " {$5000.00} combined average monthly balance in this and up to XXXX additional linked PNC consumer checking accounts... '' Because the account had a combined average monthly balance of at least {$11000.00} ( more than twice the {$5000.00} requirement ), PNC 's rule is that there is no monthly service fee. Additionally, I maintain a linked PNC consumer checking account that would combine and add even more to the total. The XXXX and XXXX 2016 monthly service fees totaling {$50.00} are improper under PNC 's own Consumer Schedule and must be refunded to my daughter 's account. PNC is charging consumer account fees without notice and providing consumers with false Schedule of Service Charges. Despite increasingly escalated requests, PNC has refused to return the {$50.00} to my daughter 's account and has stopped returning my telephone and email inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, Attached please find Response letter from XXXX XXXX XXXX XXXX XXXX XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXXXXXX XXXX XXXX XXXX 

We have been advised that XXXX XXXX transferred servicing of account # XXXX to BSI Financial Services who sent the attached IRS Form 1099A. 

It appears that per the attached XXXX Loan Schedule that there is no account # XXXX on the schedule for property : XXXX XXXX XXXX XXXX, FL XXXX We are requesting your assistance with obtaining a corrected IRS Form 1099 that would accurately reflect the account #, lender and amount. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Product: Credit reporting

Information was disputed but the company needs more than 30 days! I do not understand why I have to wait addition days of 45 to 60 days before my credit report is updated.
Product: Credit card or prepaid card

Hello I need help with disputing XXXX credit card company I have been trying to get help on charges that are placed on my account that are not true and Im getting heavily fined for the amount of XXXX every month in late fees also interest purchase fees and regular interest fees as well also account maintenance fees every month thats additional to the regular amount thats due Im not late on the bill I found out they gave me late charges because of me not paying my bill on the XXXX of each month Instead I was paying it too early on the XXXX or XXXX of each month so therefore I got charged every month since I opened the account and thats why I could never pay it down please help me or point me in the right direction I called several times last month and now Im in this month with no help I talk with several representatives on XXXX and a supervisor who told me they would go sheet And waive the late fee for XXXX not today on XXXX XXXX at XXXX Im being told no they cant do it I was told that in XXXX if I go ahead and pay the minimum of XXXX then I wouldnt have to pay XXXX late fee if XXXX not that has changed I will never post this card off because they keep hitting me with all the hidden fees and scam charges in fees, interest Etc I also got hit with the over the limit fee because my fee and interest fees keep making my account go over the limit when Im not my credit line is XXXX with my current balance is XXXX and credit limit as of yesterday was XXXX but today XX/XX/XXXX it has miraculously changed to XXXX so they basically got me paying outlandish fees month and I havent used the card for purchase since XXXX of XXXX
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copy of my AmRent report sent to me via mail.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Back in XXXX 2014 my now ex-spouse used my AAFES XXXX XXXX. who was at the time an authorized user. Charged 6 straight times XXXX, on my credit card what she did was buy XXXX gift cards to a tune of over {$6000.00}. at no time did the credit card company notify, advise me, or verify if these transactions were authorized. the same amounts every day for 6 days should have raised a Red Flag. and when I did try to dispute it all I was told was she was an authorized user. now since this is a government institution, they are able to garnish my money. which they have to include my Fed tax refund. interest continues to accumulate on this account, late charges. the charges they are attempting to collect through a collection agency is now almost XXXX they are not going after her or her taxes. just me where is the justice. need help!
Product: Credit reporting or other personal consumer reports

Experian and XXXX XXXXXXXX XXXX  are reporting inaccurate information. The account can not be late the equitable interest that XXXX XXXXXXXX XXXX  is making on the trading of the security. Experian is being paid by XXXX XXXXXXXX XXXX to report this information.
Product: Credit reporting or other personal consumer reports

Need help with credit I do t know what Im doing never dealt with credit I dont know who I owe or what is on my account just looking for guidance thats all thank you so much and god bless
Product: Debt or credit management

Jefferson Capital is Reporting that I owe them {$900.00} dollars, and Ive never gotten any kind of mail or anything from them. Also Ive never had any business with them until XXXX the Collection just showed up on my credit report.
Product: Consumer Loan

I have taken out payday loans with Cashnetusa.com with no problems. However, I decided to take out an installment loan for {$2600.00} because of dental work I am having done. Most installment loans take out a payment once a month around {$200.00}. However, Cashnetusa.com is taking out XXXX every two weeks for 38 payments which equals {$7800.00}. This is over triple times the amount of the loan I took out. I live in California and looked up the laws before deciding to contact you. I take my debt seriously but Cashnetusa needs to amend my loan immediately
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX I login into my credit profile & saw inquiries on my credit report that shouldn't be there. I never authorized those transactions someone has stolen my identity. Credit bureaus Including XXXX & transunion. I need these inquiries to be removed immediately thanks. 
These are the transunion inquiries XXXX XXXX XXXX XXXX : XXXXXXXX XXXX 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 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: Debt collection

In XXXX I started service with a cable company named XXXX XXXX. The account went delinquent with a balance of {$130.00} in XXXX. It was reported to my credit report with XXXX and XXXX XXXX. Recently in XXXX I paid the account off with XXXX XXXX for {$150.00} ( Original account balance + interest ). Now in XXXX of XXXX a XXXX XXXX XXXX XXXX ( who owned this XXXX XXXX Account ) was removed from XXXX, and XXXX XXXX. I originally contact XXXX XXXX after reviewing my credit reports and noticed the amount was still being reported as owed. That ended with the account being removed from both credit bureaus. I am now seeing that a NEW company by the name of ERC ( enhanced recovery collections ) is reporting the SAME account to the XXXX bureau XXXX. This account was never listed on XXXX, but it is now as of XXXX XXXX XXXX. This same company has called me multiple times even after a rep I spoke with, stated she would record my notice for them to stop contacting me. I am currently in my mid XXXX, with XXXX children and have learned from my past experiences that credit is important, I have worked hard at getting multiple accounts paid and removed recently, and this has effected my credit to go right back to where I started. I am attempting to get my credit to place where I can purchase a house. Please help me with this account/ collections.
Product: Debt collection

I filed a complaint on Bonneville Collections with this division on XX/XX/XXXX. The complaint at that time was regarding the communication tactics used, calling late at night, calling several times a day, etc. I have talked to a representative as often as I could take the call. On one call I was told that I owed a little over {$100.00}. The next day another representative called and told me that I owed {$210.00} dollars. When I questioned the amount they didn't give me an answer. At that time I requested an itemized bill notifying me what the amounts were and what the dates of service were and who the patients were because I had never received that information. I was informed by the representative that by law they didn't need to provide me with that and that I was just to know what I owed them and why I owed them. I asked again for a itemized bill. What I received was a letter dated XX/XX/XXXX that gave me an amount and creditor, no date of service or patient information. The amount on the letter was different than any other amount I had been given. I received another call and asked again for a letter with detailed information around the first week of XXXX. What I received on XX/XX/XXXX was a demand for payment in the amount of {$210.00}. Payment was due in 7 days or I would be referred to their attorney. Bonneville Collections have never responded to my original complaint. It has been ignored. Today XX/XX/XXXX I was served a summons to answer to their attorney and the amount they are requesting or will be suing me for is over {$600.00}. I have never been able to verify the debt. The attorney office of XXXX and XXXX has never sent me a notice to validate the debt. This collection company also has me listed under several different account numbers so we can't verify any of the debt and any attempt to sort this out has not worked and they have not given me any of the information that I have asked for.
Product: Checking or savings account

My account has been locked since the beginning of the month without explanation. I have called their customer support team, and have been given zero information as to why my account has been frozen. There is no time frame as to when my account will be accessible. They wont forward me to a different department, because they are the one and only line to the company. This has caused major distress in my life. SoFi has done nothing to resolve this issue.
Product: Credit reporting or other personal consumer reports

XXXX credit report shows collection notice from collection agency. I Identified the source of the claim. The claimant ( Spectrum ) had my Name on the account, they had wrong address, wrong SS #, Wrong Email, Wrong telephone and wrong DOB. 

My initial complaint was with XXXX, XXXX responded stating " XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. 
A summary of the results are listed below : Collection : AMSHER COLLECTION SERVICES WE VERIFIED THAT THE ITEM IS YOURS. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION '' So, I am refiling my complaint against AMSHER Collection Services. I initially contacted them and was told all information was from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax in reference to inquiries that were placed on my account after a freeze was in place. When I explained to the first representative, he stated they were placed before the freeze was in place in the same day. When I asked can he please verify because I know what time I locked my account. I somehow got disconnected. The same happened with the second representative.
Product: Debt collection

Im a victim of ID theft that has been ongoing for several years. Ive sent copies of my ID theft report and police report to the medical facility, and they still havent removed the debt. Now theyre having debt collectors try to collect this. 

I have never even heard of this medical facility. Even if I were to be seen by a doctor in any facility, I wouldnt get a bill for over {$8000.00}. I have insurance throug h Medicare and Medicaid. Please just remove this debt and stop harassing me to pay something I dont owe. This is becoming detrimental to my finances. Every time one of these fraudulent bills gets put on my credit, it significantly lowers my score and causes me to not qualify for the financial products that I need.
Product: Debt collection

CONTRACT CALLERS INC Last reported XXXX  XXXX, XXXX {$270.00} Reported balance Original balance {$270.00} You owe 100 % of the original balance OVERVIEW Opened XX/XX/XXXX ( 6 mos ) Account status Open Type Original creditor name XXXX XXXX XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX, GA XXXX XXXX