23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I doesnt know the exact date but on my credit report it shows XXXX. I had reported to the credit card company that my identity was stolen and I even told them that I wasnt financial stable to pay to receive a police report and I also explained this to a representative the representative told me to find a job so I could pay to get a police report at the time I was going through a XXXX XXXX. The company showed no remorse and continued to call about the debt I wasnt aware about.until the frequency phone calls early in the mornings
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$41.00}.
Product: Mortgage

Our loan was sold to PNC Bank in XXXX. In XXXX  we had an escrow overage in excess of {$4000.00}. In XXXX we once again have a year-end escrow balance overage in excess of {$5500.00}. At the time of our closing our county and city taxes were GROSSLY over estimated by out lender. We have owned this home since XX/XX/XXXX and have received our new property taxes calculated after the sale and adjusted for inflation. I was told by the customer service representative that our escrow account was not taking into account our homestead exemption " because we have to renew it annually '' BUT WE DO NOT HAVE TO RENEW OUR HOMESTEAD EXEMPTION ANNUALLY. To make matters worse when we have a {$5500.00} escrow OVERAGE PNC bank has chosen to increase out payments and keep {$2900.00} of our overage because WITHOUT ANY BASIS they believe my property taxes will increase over {$2600.00} next year once again due to the mistake made by the property tax calculation at our closing. EVERY OTHER MORTGAGE LENDER WE HAVE EVER HAD HAS ADJUSTED ESCROW SO IT DOES NOT RESULT IN A MASSIVE EXCESS BALANCE. INSTEAD PNC BANK IS CHOSING TO RAISE MY PAYMENT AND WITHHOLD OUR MONEY TO GIVE THEMSELVES MORE INTEREST-FREE FUNDS. PNC bank will not audit or review this escrow statement and wants me to PAY THEM a fee to close the account because they are GROSSLY overcharging me and withholding MY MONEY. I want either the escrow account payment corrected to a reasonable amount that will not result in a MASSIVE interest-free loan given to PNC bank annually by me and my husband or I want the account closed WITHOUT PENALTY due to their incompetence.
Product: Credit card or prepaid card

My credit report is showing a late payment from XXXX of 2018. At the time I didn't think much of it but now my credit score is being heavily affected by it in spite of my otherwise excellent track record.

At the time I never received any correspondence from Well Fargo that a payment was late until it had already been over 30 days past due. I remember making the minimum payment as soon as I noticed the balance, but the blemish still remains on my credit report. I have asked WF a few times to fix it but they haven't, so it still shows up as a delinquency. 

I've attached images of bank statement emails from XXXX and XXXX of that year, and it's clear that the minimum payment went back to the normal ( {$58.00} ) in XX/XX/2018, indicating I paid what was overdue. I would include statements, but those are unfortunately no longer available from the website. 

I have been a long-time client of Wells Fargo and this is the only blemish on an otherwise perfect track record.
Product: Credit card or prepaid card

I received late fees/charges on 30 days in XX/XX/XXXX and in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention : XXXX XXXX Dear XXXX, I have contacted you about this matter recently and I disagree with you declining that this inquiry is mine first of all. I wo n't allow you to accuse me of something on my credit file and I told you i am not aware of it. Prove the verification process and the proper protocol you took please. This is my final attempt to send you this goodwill letter to remove the inquiry immediately or your company will pay the consequences when I contact my lawyer so we can take immediate legal actions for accusing me. Under FCRA the consumer has the right to dispute information that does n't belong to him or her. You ca n't tell me it 's mine and I 'm disputing it. I was recently affected by the XXXX XXXX XXXX and my information was also leaked and someone used my identity.
Product: Credit reporting or other personal consumer reports

I am a victim of multiple data breaches and would need all of the accounts on my credit report that have been exposed and compromised to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) immediately.

Also, I never lived at the address associated with this account.

I am also disputing all the information inside public records, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else.

As a Credit Reporting Agency, You should be well aware of the fact that information in those reports would definitely be wrong when Identity Theft has occurred. Clearly, my identity has been stolen all across the board. My information has been completely compromised therefore, Verification from PUBLIC & PRIVATE SOURCES including any information regarding me, is not credible and it definitely would not hold any credibility in LITIGATION.

I am overly aware of my consumer rights so please correct this problem in order to prevent Litigation. I will also be mailing a Certified Copy of This Dispute to Your Address so I can have proof in case litigation must take place. 

I have submitted fraud reports and disputes for this account. I am demanding this account to be removed in 4 days, disputed, and thoroughly investigated because I did not open these accounts. By law, this account must be removed especially because I am a Victim of A DATA BREACH! This account needs to be removed immediately, within 4 business days. We go by the law. I as a consumer have my legal rights. 

If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit. Please remove this illegal account, Thank you for your time and help in this matter
Product: Debt collection

Debt is for trash bill. Credit management contacted my parents on Wednesday XXXX XXXX, 2015 regarding a delinquent balance ( that was never delinquent ). Told them the dollar amount and threatened to place a lien on their house. All thus after my parents told them that the debt did not belong to them and they were contacting the wrong person. They again contacted my parents again on XXXX XXXX, 2015 even after the conversation on Wednesday when my parents told them they were contacting the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

this process took more than 30 days on XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, XXXX, Experian. 

I did not hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard back from these people yet
Product: Credit reporting or other personal consumer reports

The below are all accounts that were compromised by scammers and hackers attempting to steal my identy. This IDENTITY THEFT, caused my LATE PAYMENTS. For the months and accounts listed below. Therefore, this directly is a violation of FCRA 605b.. This is not a *DISPUTE. Per 1681c-2, this inaccurate reporting. A clear violation of my consumer rights which now allows me to take civil action against this compay. 
1.XXXX XXXX XXXX # XXXX .. Late payment issued XX/XX/XXXX & XX/XX/XXXX 2.XXXX XXXX # XXXX Late payment issued XX/XX/XXXX 3.XXXX XXXX # XXXX. Late payments issued XX/XX/XXXX, XX/XX/XXXX, XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX 4. XXXX XXXX XXXXXXXX # XXXX, Late payment issued XX/XX/XXXX 5. XXXX XXXX # XXXX, Late payment issued XX/XX/XXXX and XX/XX/XXXX 6 XXXX XXXX XXXX # XXXX, Late payment isssued XX/XX/XXXX 7. XXXX XXXX XXXX  # XXXX, Late payment issued XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX
Product: Vehicle loan or lease

I have an auto loan with TD auto finance US. I have regularly paid my monthly fees on time including XX/XX/2023 by scheduling it well in advance before the due date. Furthermore, I checked my online account and discovered that my account wasn't current that I still have an outstanding fee to pay. I reached out to TD auto finance and the customer service representative promised me it will be rectified within XXXX business days. Up till now, I am back and forth with TD auto finance and they keep transferring me around. I have sent them several messages on my online account and they kept promising it will be reversed. XXXX of those days, I was put on hold for about XXXX hour with no apologies.
Product: Credit card or prepaid card

My dispute is regarding a fraud issue with American Express XXXX which is a prepaid card from the American Express Company. On XX/XX/2021, there were 3 unauthorized withdrawals from my XXXX account. ( XXXX for XXXX, and XXXX for {$300.00} XXXX. On XX/XX/2021, there were 2 unauthorized withdrawals from my account XXXX both for {$200.00} XXXX. Each of those amounts include {$1.00} service charge. All 5 were from 2 different XXXX restaurant ATMs in XXXX, NY. I discovered my loss of funds when I tried to use the card for a purchase on XX/XX/XXXX, and it was declined. {$1100.00} had been withdrawn from my account. I called the American Express Serve Fraud Division, and made a claim immediately. They sent me by email copies of the 5 transactions, and requested I send them a Declaration of Fraud, which I sent to them right away. Several days later, I received an email from American Express telling me that my claim had been denied, and that if I wanted to know why, I had to request an explanation by mail from an address in Georgia. I reopened the investigation, and requested an explanation by mail, to which I never received a response. I once again submitted a Declaration of Fraud, and was denied. After being denied for claims on XX/XX/XXXX, XXXX, and XX/XX/XXXX, I obtained a police report from the XXXX XXXX Police Department XXXX to submit with my next Declaration of Fraud, and claim. My fraud case was denied again on XX/XX/XXXX, and XX/XX/XXXX. I submitted the 6th claim today. XXXX XX/XX/XXXX ). I asked American Express to please look at my past account statements, to see that I have never withdrawn money in this sequence. I also requested that their investigators request video from those restaurants to try and identify the suspects who withdrew the money. 
On XX/XX/XXXX, I contacted the American Express Office in New York XXXX, and spoke to an American Express Executive Assistant, XXXX XXXX, who said he would speak to someone from the prepaid Specialty Unit, and follow up with my claim.Unfortunately, he was given the same response I was. Based on their investigation, no error had occurred, and all 5 transactions in question had been authorized. 
I have the American Express card in my possession, and have always had it in my possession. I did not withdraw this money from my account, nor did I give anyone permission to use my card. Ive reopened the claim 6 times, and have been denied 5. Ive given them all the information I have regarding this incident. Apparently, the customer service unit for American Express is based in XXXX XXXX. I havent been able to speak with anyone in the United States from American Express Serve except the Executive Assistant in New York. Please help me find out what information they are using to make their decision, so I can dispute it with accurate information. The money that was taken was COVID stimulus money that I cant afford to lose.
Product: Debt collection

Hello I received notification on my credit report that I have a new collection account. I never received any mail or correspondence to my request for debt validation or right to dispute. After further looking into the alleged debt on XXXX  I thought it said you have a new collection the date on the collection says I opened the account with them XX/XX/2019. If I opened an account with them they should be able to validate the information bearing my signature or a contract agreement. I haven't received anything. Then I get a notification from XXXX  stating I have a new collection and its the same account being reported twice. I don't understand how companies are allowed to do this not only are they practicing unfair unverifiable debt practices, but to be allowed to enter the same account on someone's credit report twice with the exact amount and opening date is not right. I'm currently trying to buy a home and seems like companies come out of nowhere to sabotage what I have built on my credit so far. I feel if i owe an alleged debt then you should be able to provide me with documentation with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality

unde r 15 USC 1681. 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: Debt collection

COLLECTOR ONCE AGAIN FAILED TO CEASE AND DESIST COLLECTIONS ON SAID DEBT.
Product: Debt collection

My wages are currently being garnished for a debt that is past the time-barred statute of limitations for it's being collected using these means. I was not served documents or paperwork stating that there would be a court date or hearing, I was unaware of the court proceedings and could not make my defense about this at the time. The original debt was for a revolving credit card and the limitations for that are 4 years in the state that I live in. The current amount being collected is {$6000.00} and the garnishment has been awarded to them for the full 25 % allowed deduction from my salary. The last date that there was any transaction with the account was in XX/XX/XXXX, that was a garnishment as well. The account went to collections in XXXX. The original debt was for a credit card that had a {$1700.00} limit, the interest rate they're charging is at 23 % and I'm overwhelmed by the nature of both the abrupt garnishment and the inescapably large amount of money that this company is attempting to take from me.
Product: Checking or savings account

On XX/XX/year>, I initiated an instant {$160.00} withdrawal from my Payactiv account to go into my XXXX XXXX   account, specifically to my debit card ending in XXXX. On XX/XX/XXXX I initiated another instant {$180.00} withdrawal from my Payactiv account to go into my XXXX XXXX  account. Both funds have not made it into my XXXX XXXX account. After speaking with Payactiv customer service they stated that the transfers were successfully delivered into my XXXX XXXX account and provided me with Transaction ID 's and Network ID 's for both transactions. I then brought this to XXXX XXXX  customer service and they are stating that they can not find any evidence of these transfers and that the deposits have not be sent to my account. XXXX  technical support ran both the transaction ID 's and the network ID 's and nothing could be found. I have both parties telling me two different things and my {$360.00} is completely unaccounted for by either party.
Product: Debt collection

Synchrony bank, ( the credit card company ), canceled my card for no reason, and then demanded immediate payment ( {$2700.00} ), I couldn't pay it all immediately and they refused to work with me. They called me day and night, sent numerous emails, left numerous voice messages and called before and after normal business hours. I once got a call from them at XXXX on a Sunday morning. Sometimes they called XXXX times per day. It was mentally exhausting. I told them to stop numerous times, but they continued for months.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00}.
Product: Debt collection

XXXX XXXX XXXX and Jefferson capital services. 

How dare you keep denying to take off all accounts in collections that were opened in my name when I was not the one did. I am XXXX XXXX military. I am first off protected under the XXXX XXXX act. I have advised I was XXXX or in XXXX at time of all accounts that were opened. Remove along all XXXX credit reports. I am tired of fighting this when I XXXX for this country and shouldnt have to XXXX this
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, Commonwealth Finance continuously reages old medical debts that are very close to falling off of my credit report. They have done this with three separate old bills this year from as long ago as XX/XX/XXXX. I have not received medical treatment in nearly three years, so there is no way for these debts to be from these dates. These reaged accounts are as follows : XX/XX/XXXX the amount of {$1500.00}, XX/XX/XXXX an amount of {$620.00} was reaged, on XX/XX/XXXX the amount of {$1400.00} was reaged. They do not report the original date of delinquency. When I ask for an itemized bill showing what the amount I owe is for, I receive a generic letter with no detailed information that would even allow me to determine if I received the services theyre requesting payment for. Furthermore, this company does not have a license to operate in the state of Florida because their license here was revoked in XX/XX/XXXX. 

This company has also been calling me, and my parents non stop and leaving harassing voicemails claiming they will be filing a lawsuit against me.
Product: Debt collection

I opened a credit card account with Bank of America on XX/XX/XXXX and this account was closed on XX/XX/XXXX. I paid the balance on the account down to XXXX and I am still being charged a monthly fee on this closed account and it is affecting my credit report. I would like to address this issue by paying what is currently due and having this removed from my credit report completely.
Product: Bank account or service

We had a negative account balance for over six days in XXXX of XXXX accounts that we have with Ally Bank. They have a policy to freeze your account and then - this is the big issue - subsequently put a 5 business day hold on any deposits for six months ( or more, I 'm a little unclear on the timeline ) following this incident. As they are an online bank with no physical locations, the only way we can access funds is either through direct deposit or a mobile check deposit. We have some direct deposits, but most of my income is as a freelancer who gets paid in small, handwritten checks. A one week delay of access to most of the money I receive is incredibly hard on us and of course makes it more likely that we 'll run into trouble with overdrafts and a negative balance. Their policy really seems to encourage exactly the thing that got us into trouble in the first place.
Product: Credit card or prepaid card

Kohl 's Charge Customer Service unable to solve a problem that was caused by them. Promised over and over again to remove a duplicate fraud charge made by one of their representatives for an item that was never sent to me and I was charged already a year earlier. - Endless calls and hours and hours of explaining this issue over and over again yielded nothing. 

Below is a fraud charge that I asked them to dispute over and over again - they failed to dispute it and treated me with disrespect over and over again. They admitted over and over again this was a duplicate charge that was never supposed to be charged to my credit card store account with them. MY ACCOUNT IS SUPPOSED TO have a balance of {$0.00}!! Kohl 's store card refused to provide any customer service. I called them 12 times about this issue, each and every time they agreed to solve it immediately, never happened. They do not obey the law, any credit card customers beware! 

XX/XX/19 ECOMMERCE # XXXX {$66.00} ( FRAUD TRANSACTION BY A KOHL 'S REPRESENTATIVE THAT LED TO ALL FURTHER ISSUES DOWN THE LINE : XX/XX/19 XX/XX/19 LATE FEE {$27.00} XX/XX/19 XX/XX/19 REFUND OF LATE FEES $ XXXX XX/XX/19 XX/XX/19 *INTEREST CHARGE* PURCHASES REFUND $ XXXX XX/XX/19 XX/XX/19 *INTEREST CHARGE* PREV CYCLE PURCHASES $ XXXX XX/XX/19 XX/XX/19 *FINANCE CHG* DISPUTE ADJ PURCHASES $ XXXX XX/XX/19 XX/XX/19 DISPUTE ITEM ADJ LATE FEE $ XXXX XX/XX/19 XX/XX/19 *FINANCE CHG* DISPUTE ADJ PURCHASES {$2.00} XX/XX/19 XX/XX/19 DISPUTE ITEM ADJ LATE FEE {$38.00} XX/XX/19 XX/XX/19 INTEREST CHARGE ON PURCHASES {$2.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act. Then account listed below, have violated my federally protected customer 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 XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without a written instruction.

15 USC 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 items of information other than records of conviction of crimes which antedated the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) a person may not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Newrez mortgage notified me that the XXXX XXXXXXXX XXXX had expired and threatened to charge me for insurance. I sent proof of insurance and l received notice lender insurance was cancelled as of XXXX XXXX dated XXXX XXXX. However Newrez charged me XXXX for insurance for XXXX which I refused to pay. They also started to charge XXXX per month for escrow for taxes and insurance which Irefused to pay since I paid my taxes and insurance for XXXX yrs. I made my full payment that I made for XXXX yrs., but they were unapplied XX/XX/12 XX/XX/12, because Newrez said they were partial payments because of their charges. They said theywould make a credit report and sent me foreclosure information
Product: Mortgage

Wells Fargo deposited the attached check to XXXX without a proper endorsement. This appears to be a violation of Uniform Commercial Code ( UCC ) 3-206 Subsection C, as the endorsement section is completely blank.