23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2019 I made a {$1000.00} payment on my XXXX XXXX XXXX XXXX XXXX XXXX  ( CitiBank ). On XX/XX/2019, I noticed that Citi had charged my account for interest on a purchase made using the card on XX/XX/2019. 

I started a chat session with the company and they said that it was a 'technical issue ' and that they would reverse the interest charges. 

My concern is that I do not trust that there was any technical issue at all. I believe that CitiCard / XXXX XXXX XXXX XXXX XXXX is willfully and knowingly charging their consumers interest - and playing the odds - that we won't notice. It is highly unlikely that their computers would randomly and mistakenly charge interest as a 'technical issue '. 

The amount was minimal, but it was wrong. I should not have to contact the company, wait for 11 minutes on a chat session for a proposed resolution. I should not have to police this company to be sure that they are not taking advantage of me. 

I am awaiting a credit reversal for the interest and will need to watch all future statements to make sure that I am not taken advantage of again. 

My complaint is being filed in an attempt to avoid others, who may be less diligent with their finances, from being taken advantage of and wrongfully being charged interest where no interest is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity and credit file has been modified and completely compromised without my knowledge nor consent. I'm in direct belief that my identity may have either came vulnerable via the dark web and/ or within the data breach. I'm demanding that the following unauthorized accounts be removed and blocked from my credit file after it's determined that these accounts are not mines. 

1. XXXXl XXXX XXXX XXXX 2. XXXXl XXXX XXXX 3. XXXX XXXX/ XXXX XXXX 4. XXXX 5. XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX {$610.00} 8. XXXX XXXX XXXX {$590.00} 9. XXXX XXXX {$70.00} 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX {$790.00} 11 ) XXXX XXXX XXXX {$160.00} 12 ) Dept of EDXXXX   {$31000.00}
Product: Vehicle loan or lease

I financed a new XXXX in XXXX of XXXX with BBVA. Last year PNC announced that they would be taking over BBVA and all of its loans. Immediately there where problems for my account. I was locked out of my online access, the hold times were extremely long, I could not pay my car note the weekend it was due because the systems were down for the merger. Once the systems are back up I start getting calls and text from PNC about my bill. I assumed that this was a mistake because I had made a whooping XXXX payment on my own previously so there should be no way for me to be late or owe anything at that current moment. The calls, text, letters, and emails consistently continue to roll in. I finally get a moment to call PNC back, I hold on the line for XXXX minutes to get a rep to tell me the big hoopla is over {$70.00}. Even tho I paid XXXX to this loan in advance I was harassed for {$70.00}. PNCs explanation? The way their system applies the payments aint was {$70.00} short on a future payment and thats why I was being harassed. A couple of months lateXXXX XXXX XXXX XXXX XXXX and was XXXXd with XXXX. I called PNC to let them know ( the hold time, still ridiculous ) and see how I could work with them on payments until Im back on my feet and they have me make a huge payment and take XXXX of my note for 3 months that will go to the back of my loan but only if I can make those 3 payments in full on time. XXXX of XXXX is still a lot. Im asked a million questions just for that?!? The rep gives me another number to get another depart that may or may not be able to do anything for me but Im for sure in for another long hold. After over an hour I hang up. I try a few more times to reach that department, and then I try to refinance directly with PNC but I was denied after I was encouraged by their suggestions via email and in my portal. My credit score drops from this and I get a new inquiry. 2 weeks ago PNC reports a late payment to the credit bureaus and puts a note that its because of a natural disaster. This company is impossible they are rude disrespectful and unhelpful. They dont care about anything but hunting for blood. They are a horrible predator in the financial world and I got stuck with them with no choice and no way out now they are ruining my credit so Ill never get back on my feet sending me loan notices that I owe XXXX immediately. Even 2 car notes is not that much but they didnt give a reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXX XXXXXXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXXXXXX Balance : {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020- XX/XX/2020XXXX XXXX  and XXXX XXXX XXXX XXXX  both companies run by Comenity Bank reported late payments on all three reporting agencies. I was on a payment plan during that time because I was laid off work because of XXXX. I made my payments and they still reported late. I have sent several letters to XXXX, XXXX, XXXX sending my canceled checks and letters from XXXX and XXXX that I was on a payment plan and they are refusing to delete that wrong information. In the dispute section I can see the result of their investigation but the item remain the same even though I have proof of the mistake. The other one is XXXX XXXX that account was designated to my ex-husband by a judge for him to pay ( i have documented proof of judgement ) I paid the account and they XXXX keeps reporting it as not paid. XXXX, XXXX, and experian wont delete or change the information and I have a letter from XXXX XXXX stating that I paid in full.
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 under 15 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX ACCOUNT # XXXX XXXX. XXXX SELF-REPORTED ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. DEPARTMENT OF EDUCATION ACCOUNT # XXXX XXXX. XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX. XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT # XXXX  XXXX. XXXX XXXX  XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  ACCOUNT XXXX XXXX. DEPARTMENTS OF EDXXXX ACCOUNT XXXX XXXX XXXX. XXXX XXXX  ACCOUNT XXXX XXXX. XXXX XXXX XXXX CLOSED ACCOUNT XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX XXXX ACCOUNT XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. states i have a 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 instruction. 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 REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity theft. In accordance with the Fair Credit Reporting act Convergent Accounts Experian, XXXX and XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 a person shall not furnish any information relating to a consumer if the person has no knowledge.
Product: Mortgage

My wife and I have been separated since XXXX and we hold title to our home jointly. She just recently filed for a chapter XXXX bankruptcy and it was XXXX this month. All while this was going on I continued to make payments on time and was told there would be no issues as long as I made the payment. I belong to a credit reporting company and saw that my credit dropped significantly so I checked and XXXX XXXX reported I was 30 days late so I got on their website to check this out because I had not missed any payments, I noticed they were also charging me legal fees of {$740.00} and a filing fee of {$180.00} for my wife 's bankruptcy which I was never notified of either. Spoke to them and they are supposed to fix the credit violation they said it was their error but as far as the charges go they said someone had to absorb the legal fees and filing fee and that my monthly payment would change to absorb those fees. I spoke to a local bankruptcy attorney and he told me he had never heard of such a thing occuring. The only help I received from XXXX XXXX was that I was given an email address to contact them that came back undeliverable. Why when I was on the phone with their customer service representative? Everything that I have read is that this is not legal. Looking for answers because I cant get any from them and nor do I trust them. These charges were added to my account XXXX and the missing payment they reported was XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX did not have my express consent or written approval to access my credit. I would like this inquiry stricken from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Started off by sending my notice of my request for a listed number of documents for XXXX to mail to me on XX/XX/2019 I also sent out disputes to all 3 credit Bureaus This listed consisted of a number of documents I have a right to as a consumer. This list includes - 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note. 

On the XXXX of XXXX XXXX mailed me The Calculation of Surplus or Deficiency Letter, The Notice of sale document. They did not send me any additional documents related to insurance or Finance products, The Buyers Guide ( XXXX XXXX ), The purchase order, Any License or bond or registration document required by the state that allows them to hold or service this alleged promissory note.The Creditor lied on the contract and stated that I placed a down payment of {$1500.00} ( I Attached proof of this fraudulent claim ) The Account Transaction that I received from XXXX Omits 5 Months worth of transaction history with no explanation of why. It shows a Balance and Past due Balance on all bureaus which is a violation but it also shows a balance that is more than {$12000.00} higher on XXXX  and a past due balance that is inconsistent with the other 2 bureaus, The dates of last activity are just as inconsistent, and so are the dates of last payments made, 2 of 3 credit bureaus report the wrong credit limit, A monthly payment also reports which is also a violation. In my initial contact with XXXX I told them this account was a Retail installment sale contract not an auto loan, they report to the bureaus that the account is indeed an auto loan but yet send me a contract stating that it is true indeed a Retail installment contract but yet it hasn't change on the bureaus or even report that the account is being disputed. This is affecting the way my credit is scored and is no way to report the truthful accurate complete data. Below I have Attached more than enough documents to convince you of this blunder on my credit report.
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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CREDIT/XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 repo

rt 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: Money transfer, virtual currency, or money service

Someone did a wire transfer of XXXX out of my checking account without my consent on XX/XX/22, XXXX and Chase have been notified and Chase said they can not recover my funds.
Product: Debt collection

On XX/XX/XXXX I sent to Vegas Valley Collection Service two letters ( two different collection efforts ) under the Fair Debt Collection Practices Act Section 809 ( b ) regarding validating Debits. I requested the following XXXX. The amount of the debt XXXX. The name of the creditor to whom the debt is owed. 
XXXX. Verification or copy of any judgement ( if applicable ) XXXX. Proof that you are licensed to collect debts in XXXX  XXXX. Proof of the last payment made on the account. 

As of XX/XX/year> all I have received on XX/XX/year> is a bill demanding payment or a negative mark on my credit report that states : Dear : XXXX XXXX This account has been assigned with our office for collections. Unless you notify this office within 30 days after receiving this notice your account will be reported to the credit bureaus. This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose. 

I will be resending my original letter from XX/XX/year> to them to restate they have now violated my rights under the Fair Debt Collection Practices Act, Section 809 ( b ).
Product: Debt collection

First, I received a call from RMG ( resource management group ) about a medical bill from XX/XX/2012, from XXXX XXXX. I was not notified about this bill at all via mail or email. I did not know who they were, so I told the rep to send me more information, and she did via email while I was on the phone with her. I hung up on her because I did not know RMG, and they kept calling. 

I decided to call Dekalb Medical, now XXXX, about this debt. I called the finance department, and they said that they see something but could not give me more information as the case was too old for their current system. I also mention RMG giving me call but they said they never heard of them and I spoke to two different reps.They gave me a name and number that they handed the case to, XXXX XXXX XXXX. I called them, and they said that they did, in fact, had a debt that I owe even though I was XXXX years old at the time and was under my father 's insurance. The rep said that I had to pay not to affect my score or turn into a lien. I was not advised that I could make a payment plan or dispute it. So I paid for it, and now my parents said that I should have insurance and that they register me as self-pay at the time. 

I do not want this on my credit, and I want to dispute it, especially since I never received a letter in the mail or anything like that, and it was back in 2012 past the limitation. I would want copies of them taking this off my credit. 

I am still getting calls from RMG.
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 : account number : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 fumish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account Name XXXX XXXX Account # XXXX, Account Name XXXX  XXXX XXXX Account # XXXX, Account Name XXXX XXXX  XXXX Account XXXX XXXX, Account Name XXXX XXXX XXXX XXXX  Account XXXX XXXX, Account Name XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Account Name. XXXX Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft please see attached document I have already sent in my identification documents and I sent in police report and identity theft affidavit signed and notarized I have also sent in my disputes just attached this last letter in addition to my dispute so this is not a second attempt this is still my first attempt please add this in to my first dispute as I am sending this in a day later thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment of {$290.00} to XXXX XXXX XXXX XXXX at which time I also entered into a temporary hardship relief program that lowered my monthly minimum payment to {$53.00} for 12 months and also lowered my APR to XXXX  %. I have paid the monthly minimum payment on-time in XXXX and XXXX of 2022 both on the XXXX, however the payments have still been reported as late to all XXXX major credit bureaus. During these months my balance was below the credit limit. 

Even though I have entered into the new payment program, my monthly statement still reflects a higher monthly amount due when my balance is below the credit limit. If the issue is that there is still a higher monthly payment due for whatever reason, XXXX should demand that amount be paid BEFORE entering into a new payment program with a lower monthly due amount, so to not make matters confusing by providing multiple minimum payment amounts to the consumer. Once entered into the new payment program, all previous monthly payment amounts should be voided to allow future payments to be reported accurately and consistent with the payment program.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number, credit information, and other sensitive data was breached from the Equifax breach. This hack happened much prior to their acknowledgement and I received no notice from them. Offering 1 year of credit monitoring in exchange for agreement to no class action lawsuits is not a fair solution to their lack of cyber security nor their silence for weeks after the breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report.to this day over 30 days later I have not received a response yet I feel like im being takenadvantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE : Phone call to XXXX Credit Bureau Info Services XX/XX/22 Phone call to Missouri XXXX XXXX XXXX XXXX ( XXXX ) data Supervisor, XXXX XX/XX/22. 
Notes included in uploaded documents.
Product: Credit card or prepaid card

I been trying to resolved the issue for over 2 weeks. I have attach a letter explaining everything and documents that shows that someone is using a credit under my name and macy is allowing to do it. please review every single document that I will be summing. 

Thank you XXXX XXXX
Product: Vehicle loan or lease

This company repossessed my truck after being XXXX  days. I advised you them that hurricane beryl happened on XX/XX/XXXX and left the states tore up. 

Also being charged late fees also XXXX u.s.c XXXX ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not following the FTC, they are still not taking credit inquiries off that have solid proof that I did not authorize the companies to ran my credit. I am trying to purchase a home and the loan officer wants these hard inquiries off. XXXX is refusing and I need help because they are going against the law and not doing what is right. 

There are several inquiries on my credit report that need deleted immediately.