23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a debt owed in the amount of {$1500.00}. I contacted the Debt Collector, North American Recovery, to begin the repayment process. I paid {$400.00} immediately, and entered into a payment plan to pay the remainder ( roughly {$32.00} every 2 weeks ).

I received a document indicating that roughly {$860.00} had been paid or credited to my account, which seemed to me that the company matched my initial payment with a credit. However, they indicated that I still owed roughly {$1100.00}.

I have contacted them at least 3 times regarding this discrepancy, and I have continued making payments during that time. On one occasion I was told that my concern was escalated and that I would be contacted by a supervisor ( I was not, despite providing my contact info ), on the second I was told to email XXXX with the statement I was sent as well as any other relevant details. My third attempt to resolve this involved me emailing the above referenced email on XX/XX/22, and I was told by my representative over the phone that I would hear back within 2 weeks. The automatic reply email I received indicated I would hear back within 30 days. I was never contacted during the 2-week period after the phone call. The 30 day period passed, and I still had not been contacted. I followed up via phone and was not provided any additional information.

Per the company 's own communication, I should owe {$400.00} less than what they currently declare my remaining balance is. I have given them ample opportunity to respond, and made a good faith effort to address this issue, and it still has not been resolved.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XX/XX/19 I received 2 emails from XXXX XXXX XXXX XXXX one stated a trial deposit has been successful to my XXXX XXXX  account which I did not initiate and do not to my knowledge have. I tried to access my account a savings and a CD. I can view past statements but no real time data. I changed my password and verified that the only external account is the original one I set up. I am not able to see current data for today only past statements. The on line chat with a representative was listed as unavailable. When I dial the telephone number of XXXX I receive a message that the number is not in service. I have called the FDIC and the agent stated to call CFP since FDIC does not handle complaints about Synchrony bank.
Product: Credit card or prepaid card

On Tuesday, XX/XX/2018 XXXX AM, I received a fully booked invitation to visit the " XXXX XXXX '' ( An Independent Indian Tribe Local Government in Oklahoma ), this invite included the Flight, the hotel and a rental car. Everything was accurately planned and scheduled and sent to me. 

XX/XX/XXXX, I traveled without any problem, picked the car, checked in at the hotel with no problem at all. 
It is the norm that I authorize the incidental costs on my credit card, I never had a problem. 

Everything went so well, I returned the car, with the gas tank half-full and I did return it on time as it was sent to me in the plan I had in hand. 

Thu, XX/XX/2018, I was hit by a charge on the car rental, I called and emailed customer service of " XXXX XXXX XXXX '' to investigate about that charge, and I was nice enough to say if you want to charge me about the half tank gas, it is OK, you can charge me for the full tank as per the price agreed upon and return the rest of the money. 
I requested a bill, they actually did send me a bill of {$130.00} that includes the whole thing with the rental ( that was paid for already ) with the gas with everything, I called my bank ( Capital One ) to dispute and a nice lady interfered and I stayed over an hour on the phone, 1- If my total bill is {$130.00} only why am I charged with {$170.00}? 
2- I claim that I owe them only half a tank which is according to the prices is {$38.00}. 

They offered to give 50 % discount, convincing us to get 50 % of the {$170.00}, which I hatefully agreed on and I was refunded {$19.00}. 
I rejected that refund while I was still over the phone with my bank and the merchant. 
I tried so hard to have answers for the above 2 questions. I never succeeded. 
The banker agreed to give me 100 % refund and asked me to submit all the documents I have that prove my trip was fully booked. 
I did provide all the documents I had which show clearly my point. 

XX/XX/XXXX, I found that I was re-billed the amount .. 
I called again, my bank, the banker confirmed they received all my documents and he was confused, struggling with words and told me that I had to talk to his manager.

The manager, she can not do anything about it and I will have to go to the Merchant to bring a signed bill because they do not know how much to charge me.

She wanted to convince me that {$170.00} is the price of the gas and that {$19.00} is half of the price of the gas. She did not make any sense, I have all the phone records ( as they do ) and all the documentations as well.. I am ready to escalate this to the court if this is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT, IVE REACHED OUT TO THE CREDITORS AND NOTIFIED THEM THAT THESE ACCOUNTS WERE OBTAINED FRAUDULENTLY AND I ALSO REQUESTED A COPY OF ALL THE INSTRUMENTS USED TO OPEN UP THESE ACCOUNTS ACCOUNTS XXXX XXXX XXXX -AMOUNT {$870.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX -XXXX XXXX -AMOUNT {$20000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX -XXXX XXXX -AMOUNT {$7000.00} -DATE OPENED XX/XX/XXXX -ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

I have previously submitted my ID, proof of address and social security number. 

Disputed Information : Incorrect Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Documentation Sent : Identification, proof of address, social security number. 
Legal Foundations : According to the Fair Credit Reporting Act ( FCRA ) : Section 609 : I have the right to request verification of inaccurate information.

Section 611 : Adequate investigation of disputed information is required. I have not received a satisfactory response. 


Charge off : I am contacting you to file a formal dispute regarding several charge offs reported on my credit report. This communication seeks to rectify errors that seriously affect my credit history and that are contrary to applicable laws. 

Legal Foundations Fair Credit Reporting Act ( FCRA ) : Section 602 ( a ) : The information reported must be accurate and truthful. The charge offs in my report do not meet this standard, which represents a violation of my consumer rights.

Section 609 : I have the right to request verification of any negative information. If they can not provide documentation to support these charge offs, they are required to remove them from my report.

Section 611 : Credit bureaus must conduct a thorough investigation of any disputed information. Failure to provide an appropriate response constitutes a breach of this obligation.

inquiries : I am contacting you to formally dispute several inquiries on my credit report. I request the immediate deletion of these records, as I do not acknowledge having given consent for their inclusion.

Legal Foundations Fair Credit Reporting Act ( FCRA ) : Section 604 : Inquiries must be reported only if they have been conducted with my consent. I have no evidence of having authorized any of the inquiries in question, which means their inclusion is illegal.

Section 609 : This section gives me the right to request verification of any information in my credit report. You are required to provide documentation that validates the authorization of these inquiries. Failure to respond to my verification request is a violation of my rights.Seccin 611 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Fair Debt Collection Practices Act ( FDCPA ) : Section 807 : It is illegal to report misleading information on my credit report. If charge offs are incorrect or unverifiable, their inclusion is a violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4200.00} ; XXXX FIN XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$2500.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXX Owed : {$1300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$160.00} ; XXXX Balance Owed : {$0.00}.
Product: Checking or savings account

To Whom It May Concern, I am writing in regards to a Credit Deposit ( {$2100.00} ) that was purchased in XX/XX/XXXX from Bank of America. I had forgotten about it and recently found the Investment CD Receipt by chance. The paper receipt for this CD shows the original purchase date, but it does not show that the CD was withdrawn upon the maturity date or any other activity since it was purchased.

I have bank statements from Bank of America going back to XX/XX/XXXX, and I do not show that this CD was redeemed or that its funds were transferred to my account before I closed all of my Bank of America accounts around XX/XX/XXXX. 


I would like to verify that these funds were transferred to my accounts or withdrawn by me at the time of closing all the accounts. 


I initially contacted the State of California Unclaimed Property Department ( XXXX ; XXXX XXXX XXXX ) several times at the end of XX/XX/XXXX in case these funds were left unclaimed. However, they do not show any such unclaimed funds resulting from this unredeemed CD. 


I filed one complaint with the CFPB ( XXXX ) and BofA responded that they could not respond because I was a third party, and not authorized to access this account. 


I have all the relevant documents needed to show that I am the sole account holder ( California ID, US Passport, etc. ). I have been looking for resolution to this issue since last XX/XX/XXXX.
Product: Debt collection

Southwest Credit Systems representatives continued to call my cell phone after I asked them to stop. They then began to call from a different telephone number. After a few days of these annoying calls, I finally called them to advise them that I felt harassed and ask them AGAIN to stop. I spoke with an extremely rude manager ( XXXX XXXX ) who, after a heated argument in which I told him that it was illegal and that I was going to file a complaint, agreed to stop the calls.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please correct the items, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received a letter dated XX/XX/XXXX with a check enclosed for {$330.00}, that stated our mortgage company, First Horizon was unable to process our payment because the loan had matured. This prompted me to call to inquire what did this mean. The representative at First Horizon stated she did not know why the check was sent to us and that someone would call back to assist us further. No call ever came. A few weeks later I called again to inquire about check being returned and I also requested an audit of the account. This loan had been sold/transferred many times so I wanted to verify that terms and amount had not change. To date, I never heard back from anyone or received any correspondence until XX/XX/XXXX when I received letter from debt collector stating that we were facing foreclosure. We called First Horizon this morning and asked what prompted this. XXXX been inquiring about the returned payment and have requested an amortization schedule/audit to no avail. After being transferred several times this morning all we have discovered is that when I entered into Loss Mitigation back in XX/XX/XXXX, it was incorrectly listed as incomplete. I have proof that I provided all information/documentation that was requested and at the time of request I was given verbal confirmation that all was good. I have never received any other correspondence after that stating otherwise. We are totally perplexed about this whole debacle and wondering how are we now in foreclosure when no one from First Horizon has made us privy to any of this. First Horizon refused payment from us and then not respond to any of our requests since XXXX and then proceeded to put us in foreclosure. Our hands are tied and after speaking with several departments this morning were still none the wiser. XXXX done our due diligence but we are not in control of how First Horizon conducts business. Initially our loan was with First Horizon and then XXXX and then XXXX XXXX and now back with First Horizon. A few payments were sent to the incorrect mortgage company due to this merry go round. Please research the history of this account so that we can have clarification of what transpired and where the ball was dropped. It doesnt make sense that until XX/XX/XXXX, all payments had been accepted. First Horizon returned our payment so how were we to stay current if they refused to process payment? First Horizon deliberately made this account go into default by refusing payments. Theres been no emails or letters from First Horizon inquiring about missing payments. And when we asked back in XXXX and XXXX about the returned payment and request an audit of this loan they provided NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identify theft yet again with Experian. I have no knowledge of this account with XXXX XXXX XXXX which has opened an account with my social security number and card. I am unaware about any of this and the FTC already has an investigation in motion.
Product: Credit card

PNC offered a promotion on my credit card for using visa checkout. The promotion consisted of a XXXX dollar credit for spending at least XXXX dollars with visa checkout with your enrolled credit card. The bonus was to be paid within 90 days. It has been 90 days. The bonus was not paid. I have contacted PNC twice with no resolution. This is the second instance of an UDAP violation where PNC had refused to honor their advertised terms on an account with me. I would like all my bonuses paid, accounts closed and PNC held liable for violating UDAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been compromised and I've reached out to all 3 credit bureaus for correction and never received any response. The following accounts reporting are fraudulent and don't belong to me nor did I give anyone permission to use my information. 

1. XXXX  XXXX  Collection ( XXXX XXXX ) Balance {$1700.00}. 
2. Credit Bureau USA/ XXXX Credit Bureau Balance {$590.00} 3. XXXX XXXX County {$170.00}
Product: Bank account or service

On Thursday XXXX XXXX I entered a Chase branch @ XXXX XXXX XXXX New York, XXXX XXXX to make a withdraw from my checking account due a an employer account issue that impeded with a direct deposit not been issued at that date.At which time XXXX checked his terminal and stated that I would qualify for a credit card offer I did stated to him that I had a bankruptcy case XX/XX/XXXX. He still proceded to go ahead with the application. He got the result of my application and stated that I will get a letter in 7-10 days.i received the letter XX/XX/XXXX account declined credit due to Bankurupcy in credit report.THIS IS THE THIRD TIME IN AS MANY YEARS I FELL FOR CHASE HIGH PITCH SELLS TACTICS. I been a Chase Direct deposit ( payroll ) for well over five years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Attention Error Team at XXXX, I am sending this to you today because I have pulled my most recent credit report and I am extremely concerned. I have done research at my end and, as you and myself are both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to investigate and correct any errors, and I would appreciate your assistance to solve these problems. 

It is very troubling as these items are reporting as incorrect and inaccurate information. I demand that you conduct a thorough investigation for each and every mistake listed, and a complete report must be provided to me after you have completed the investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

- Truist Bank XXXX15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports - No permission was given to report this! Delete and remove this from my credit report ASAP! 

XXXX XXXX 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports - No permission was given to report this! Delete and remove this from my credit report ASAP! 


XXXX XXXX XXXX XXXX 15 USC 1681b ( a ) ( 2 ) permissible purpose of consumer reports - No permission was given to report this! Delete and remove this from my credit report ASAP Please see the above inquiries as well.
Product: Credit card

XXXX XXXX is saying this bill was never paid. I show it was paid. I can not get either XXXX of the credit card companies to explain why this is showing its paid but I am still getting billed and my credit rating is being impacted by the negative reporting.
Product: Debt collection

this XXXX XXXX  debt collection has been paid and always has paid and time and I would like when company see my message dispute this debt collection
Product: Debt collection

The debt collection agency IC Systems uses disgusting tactics to collect on miniscule amounts of money. They repeatedly called my XXXX-year-old grandmother ( who has never been associated with this debt EVER ) and told her they would come find me and arrest me if I did n't pay a {$250.00} debt. My grandmother has XXXX and this XXXX her terribly. It took me quite some time to explain to her that no one was trying to hurt me and take me to jail. IC Systems even called her a second time after she told them she does n't even live in the same county as I do.
Product: Debt collection

I sent a letter asking for debt verification and to be placed on the do not call list. I received a letter today but not with the indormation I requested.
Product: Checking or savings account

I cant link my pnc account to XXXX. Because pnc Is blocking it. Not cool