23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had previously written to the CFPB about Target with case # XXXX. At that time, I was issued late fees to my Target Red Card account despite payments. On XXXX XXXX, 2015, I made a payment to my Red Card account. Despite my payment, in XXXX, I was issued a late fee on XXXX/XXXX/2015. Then, I made another payment on XXXX/XXXX/2015 ; I was again issued an even greater late fee on XXXX/XXXX/2015. I made payments in both XXXX and XXXX 2015, but I was issued late fees in XXXX and XXXX 2015. would like these reversed immediately, including any interest charged in the months since on these disputed fees. 
The latest frustration is a further continuance of Target 's inability to work with customers who are making good faith efforts to pay their accounts off. The statements are not written until the XXXX or XXXX of each month. I have paper statements, which means I do n't received them by mail until XXXX. Then, payment is due by the XXXX of each month, giving me only about a week to receive the bill then mail out payment. My XXXX XXXX statement reflects this problem. On XXXX XXXX, there was a payment due. Target received its due payment on XXXX XXXX. Target does not offer a grace period, but assessed a late fee, despite the fact I had made a good faith effort to pay, I had paid the previous month on the XXXX, and the prior month I had paid four times the minimum payment due. I got assessed a late fee on both my XXXX and XXXX statements. I guess my problem with this is that I am being billed {$70.00} in late fees over two months despite the fact a payment was made. That {$70.00} is the same fee as if I did n't send in any payment at all. I have been double-billed late fees. I have been trying to pay down this account ( it is leess than {$100.00} due on the account ) but the problem is that Target 's late fees are so expensive, I have n't been able to simply pay off the principal balance because of these out of proportion late fees that Target simply wo n't budge on. It is why I have left Target as a consumer for good.
Product: Credit card or prepaid card

The XXXX credit card and the Chevron credit card is operated by ; https : //www.mysynchrony.com/ synchrony bank who has refused internet access to paying the bill on line regardless of the fact that I have been paying the bill on line since 2014. Furthermore, they are demanding that customers download some software program on their cell phone or tablet that will grant the user access to their account which is XXXX on its face. Since the software developers are using such software on cell phones to track the end users data, travel, and communications of the wireless device. 

I have had problems paying my credit card bill for the past six months due to restricted access where synchrony is demanding using the software program on the cell phone which I will not do.

Therefore their software goes NO WHERE ON MY ELECTRONICS and the shall allow me to pay the bill on line. Enough of this restricted XXXX, as this method of restricting access of account holders to check their balances is doing nothing but restricting on time payments. These restrictions are an attempt to invade account holders privacy which was never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my spam folder to find an email from XXXX XXXX ( XXXX XXXX ) stating that due to a new login system in which customers were required to use, they were going to restore credit history prior to XX/XX/XXXX. Prior to XX/XX/XXXX I NEVER missed a payment. After I had to create a new login for auto payment, I have NEVER missed a payment and paid in full. My account status should be -- PAYED AS AGREED. NEVER LATE. The late credit reporting ( XX/XX/XXXX- XXXX and XX/XX/XXXXXXXX ) need to be removed ASAP. I was told they would be removed. Over a month ago, I sent USPS certified letters to XXXX XXXX and they have yet to do what they promised. This is negatively effecting my credit. I have sent disputed WITH proof yet NOTHING has been done. 

Attached is the email promising to restore my credit, an certified letter to the CB and certified letter to XXXX XXXX ( XXXX XXXX )
Product: Mortgage

PNC Bank is committing MORTGAGE FRAUD & is in Violation of a Court Order by the NJ Superior County Court. 

PNC BANK Refused to follow a Court Order Power Of Attorney, granting me ANY & ALL access to manage, make changes, sign on behalf of the borrower ( my ex ). 

The Court Order was sent 3 times by fax & Email ( Exhibit attached - emails & Fax Records ) The Consumer & Mortgage Fraud & PNC 's efforts to STEAL my property, are evident in the bank having selectively provided me with information regarding this account at times, then denying access to the account balance and variable payments required by the payee, so as to set up the payee towards a default. 

DESPITE BEING THE PAYEE MAKING PAYMENTS & HAVING RECEIVED THE POA & THE PRIOR AUTHORIZATION TO ADMINISTER THIS ACCOUNT SINCE XXXX, AND MY REPEATED FAXED REQUESTS FOR MAILING STATEMENTS TO THE PROPERTY ADDRESS, PNC HAS INTENTIONALLY IGNORED ALL OF THE ABOVE. 

NOW THIS FILE IS IN LOSS MITIGATION AND PNC REFUSES TO PROVIDE ME WITH ANY INFORMATION ON THIS ACCOUNT I have been making payments diligently on this account. 


Despite the Power of Attorney & authorization, PNC Bank has consistently denied me access to ANY information on this account. 

Further, despite receiving my check payments, with the property address listed as my address, AND despite the repeated faxed and emailed communications to PNC, to mail me statements and relevant documents, I have NOT RECEIVED EVEN A SINGLE STATEMENT, NOR ANY DOCUMENTATION REGARDING THIS ACCOUNT FOR ALL OF XXXX & XXXX YTD. 

I have made several calls to PNC customer service throughout XXXX and visited the XXXX XXXX NJ branch several times ( XXXX XXXX the issue being escalated to Executive Client Services ( XXXX XXXX - XXXX ) and PNC Legal Department. 

In the end I was informed by XXXX XXXX ( Loss Mitigation Department ) that PNC Bank WILL NOT FOLLOW THE COURT ORDER BECAUSE THE BANK WAS NOT PARTY TO IT & I COULD GO AHEAD AND FILE A COMPLAINT IF I CHOSE TO. 

Please investigate PNC CORRUPT BANK and the named staff for a resolution. 

I have been a loyal customer since XXXX and this bank is trying their best to steal my house from me, a single mother of a special needs child ... and make me homeless DESPITE MY MAKING THE PAYMENTS EVERY MONTH! I HAVE NOT MISSED A SINGLE PAYMENT SINCE STARTING IN XXXX!
Product: Student loan

I have  XXXX  loans I have been repaying. When I looked at the details of the loans the disbursement dates, I realized I never took out loans that year nor was I in school. So I have been paying back loans I never even took out. There seems to be no way to ask loan questions in which i can get a straight answer from these people.
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 XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT SEVERAL LETTERS TO THE CREDIT BUREAUS THAT THE BANKRUPTCY IS REPORTING INACCURATE AND SHOULD BE 100 % ACCURATE. THE DATE FILED AND THE COURT NAME IS NOT CONSISTENT AND THIS COMPANY REFUSE TO REMOVE THE ACCOUNT WHICH IS AGAINST FCRA LAWS. I HAVE SENT LETTERS IN XX/XX/2019, XX/XX/2019, XXXX, XXXX, AND XX/XX/2019AS WELL.
Product: Debt collection

I received notification in 2018 that I owed {$120.00} to the XXXX XXXX XXXX  XXXX XXXX office. I stopped by and paid this amount in FULL at that office. Apparently the office sold the account to a bill collector. After it was disputed and found to be paid by the first debt collector, it was sold to another. 

As a result, I keep getting NEW bills for the same item that has already been paid. This is credit dispute XXXX and I am so very tired of having to deal with this. I have sent a letter to the newest company who was sold this false account ( Credit Service Company , Inc ) and have not receive any reply. 

I am hoping that you can find a remedy for this issue and stop this endless harassment for a bill already paid. 

Thank you.
Product: Debt collection

I am still in the process of dealing with original hospital and the drs company is now handled by a new company. I have insurance that pays 100 % and they did not cover the dr for some reason. So I filled financial assistance, It was approved. I mailed to the drs office forever ago. I never heard back. I assumed it was taken care of. Then Went to get a loan. She said I had a medicle bill that was on there with XXXX. I was like what is that. So I googled. I called XX/XX/XXXX. Since then 8 calls in 2 days, I called first just to see what it was. I have a life. I am not able to drive to the hospital and figure out what to do at this time. I called left voicemails. I am trying to get the thing saying I was approved! I am unable to pay it. I really wont get the money within 2 hours of each call. It might take me a year to save the money. I have a lot going on at this time. I am unemployed right now. My son passed away in 2017. I am not doing so well. So in debt all over. Its a disaster. I get calls after I explained to one person. Then if I am driving and someone answers they demand to talk to me. So driving on XXXX looking for an exit was fun. She remembered I was supposed to call her back and got off the phone after I yelled at her. Then calls keep coming in. Ive asked them not to call me. I am over it. I cant pull money out of thin air. What money I do have will be going to my sons headstone! My credit is the least of my worries! They are heartless and dont even say sorry for your loss and have no compassion!!!
Product: Student loan

I received a $ XXXX loan from Sallie Mae with a co-signer and making payments on time, never late. Two years into my loan, my payments were being rejected my Sallie Mae. When I called to check to see why this was the case they told me that my co-signer had filed for bankruptcy, therefore my account was now closed and they would not give me any more information. I called my co-signer and she verified that my loan was not filed during her bankruptcy. I called Sallie Mae again and I asked them where I could send my payments to and they said they would not be receiving anymore payments from me. I was completely confused and continued to send checks to them for 7-8 months. About 3-4 years after I saw it pop up on my credit report as a default by Navient. I have contacted Navient numoerous times and they do not have the correct loan information. They have stated I borrowed over $ 30k but am relieving me of half to settle the account. Which is much more than I owe. Not only that this has been reflected on my credit report for the past 5-7 years and I have had issues with my credit score, trying to get credit cards and mortgage loans.
Product: Prepaid card

On XX/XX/2024 I purchased XXXX {$200.00} XXXX virtual gift cards from XXXX ( Blackhawk Network ). I activated these cards in my online account at myprepaidcenter.com using my usual profile/account under my email address ( XXXX ). Shortly thereafter, my account was locked and I have since been unable to access the account in order to view the card details in order to make purchases with the cards. This effectively means that {$2400.00} in funds have been locked for over 2 months. I request that my account is unlocked, all cards are unlocked and all card numbers are presented to me.
Product: Debt collection

XX/XX/XXXX I received multiple alerts my credit score dropped due to a debt collection. My score dropped by XXXX points ( normally XXXX or higher ) due to this fraudulent debt not owed. Jefferson capital added a collection for XXXX for a cellular account I pd and closed back in XXXX ( 15 plus years ago ). XXXX has been out business since XXXX and this crooked collection agency decided to falsely add a fraudulent debt 15 yrs later. This is a tactic these collection agencies use around tax time each year to unsuspecting consumers trying to collect for debts that are not owed. Fortunately I monitor my credit daily and was able to take action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. They have violated my rights several times. 
I demand these accounts below be deleted from my report because : Under 15 USC 1681 : I have a right to privacy and did not give Equifax permission to furnish my information or my accounts Accounts : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Also 15 USC 1681a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

And 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Checking or savings account

Received debit card with number to call for an account I never opened. Number provided for bank customer service busy for over an hour. Penned Credit Union.
Product: Debt collection

I received two letters the same day from a company name TRS recovery services listed with their logo on the letter. This is the first time I have heard of this company and the first contact I have received. In the letter they are claiming I owe a debt from XXXX XXXX XXXX the principle amount stated in the letter is {$14.00}. Transaction date on the letter is XX/XX/2021 with a transaction number of XXXX. The company is claiming that the return reason is hold on funds in account. They are charging a {$25.00} returned item fee which makes the total amount {$39.00}. On one letter the reference number is XXXX on the second letter there is no reference number. I have contacted XXXX and they have informed me that I do not owe them anything, my bank has verified that no funds are on hold and none of my payments has been returned. It is to my knowledge that this company is making a false claim and committing a scam.
Product: Credit card

The account is invalid. SECURITY CREDIT SERVICES LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. 
If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. SECURITYCRED XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair credit report accordance with the Fair credit report account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights according to XXXX5 usc 1681section 602 A stats I have the rights for privacy 15 usc 1681 section 604 A section 2 it olso stats a consumer could not report without a written promotion from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX inquired on XX/XX/2022 and XXXX XXXX also inquired on XX/XX/2022. 

The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Credit reporting or other personal consumer reports

I sent in my police report for said accounts and needed them removed an they still havent been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a business loan with a company called XXXX. They asked me for business banking statements, and then offered me a loan at 80 % interest APR. They said the reason was due to " my personal credit score being below 500. '' Our business is a separate XXXX XXXX ( XXXX  ). 

I never gave this organization the authorization to access my personal credit report. I was never asked, and never told that my personal credit would be accessed. 

They violated my trust and accessed my credit file without permission, and now have caused my credit score to go down further, having done a " hard pull '' of my credit report from XXXX  and TransUnion
Product: Money transfer, virtual currency, or money service

Paypal has accused me of selling prescription drugs through pay pal. This accusation is 100 % false and defamatory. The company first accused of a transaction of {$35.00}. These funds was money that I owed my neighbor ( a US  service member ). They froze the account and did n't allow these funds to get to the service member. I emailed them and told them that it was a mistake. Then they reversed their decision and blamed another money transaction of {$110.00} that I transferred to my wife 's friend ( he owed her money ).     As of right now my funds are frozen and I can not access my account. I have included the emails from Pay Pal and the email I sent them on  XXXX   XXXX  and their responses the following days.     I do not sell drugs and I want my money back, the funds must be sent to the service member and I want access to my good standing account. This is an unfair and abusive practice. Pay Pal must correct this ASAP and stop accusing consumers.     Thanks,  XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because ChexSystems has refused to provide me with a copy of my consumer report. Despite providing all necessary identification detailssuch as my ITIN, foreign passport, address, and financial account informationthey continue to deny my request. 

ChexSystems claims they can only verify my identity through a U.S. Drivers License or U.S. Passport. However, I am not a U.S. citizen and do not possess these documents. I have submitted alternative identification documents that meet reasonable verification standards under the Fair Credit Reporting Act ( FCRA ), yet my request remains unfulfilled. 

This refusal has caused unnecessary inconvenience and denies me access to information I have a legal right to review. ChexSystems ' rigid verification policies are discriminatory against non-U.S. citizens and need to be reviewed.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

These accounts are unauthorized and unverifiable and is damaging my overall credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account deleted or updated. These are the items I demanding to be deleted immediately :
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian due to 3 fraudulent collection accounts that have been incorrectly listed on my credit report. These accounts, listed under XXXX XXXX for account number XXXX, XXXX XXXX for account number XXXX, and XXXX for account number XXXX, do not belong to me and I believe they are the result of identity theft. Despite my efforts to resolve this issue directly with the credit reporting agency through several formal disputes, the accounts continue to appear on my credit report. This error has caused significant financial hardship, negatively affecting my credit score, resulting in denied loan applications and increased interest rates on existing credit.