23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report from Experian on XX/XX/XXXX which reports a closed account with XXXX XXXX opened on XX/XX/XXXX and status updated XX/XX/XXXX. I called the contact info included in the report and the representative was not able to find the account in the records of XXXX XXXX with my social security number attached and the account number search also yielded no results. I was then given the number to the credit bureau department and they could not find any record for this account number or my social security number. I thin called to the general customer service and got the same response. They have no record of this account in their system.
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 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 an 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

THIS AMT OWED {$8800.00} WAS TO BE PAID UNDER XXXX INSURANCE, WHICH I PURCHASED AND WAS PAYING FOR, AT THE TIME I REQUESTED THE LOAN. IN XXXX XXXX, I WENT OUT ON PERMANENT XXXX AND HAVE BEEN RECEIVING BENEFITS FROM SOCIAL SECURITY SINCE FIRST PART OF XXXX. THE LOAN COMPANY WAS NOTIFIED OF MY XXXX AND THEY WERE SUPPOSED TO SUBMIT A CLAIM FOR THEIR MONIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to dispute the lates that are reporting on all 3 of my credit bureaus and also with XXXX. They state that they are correct but I always signed up with them for extensions and now they wont talk to me since they are paid off. I just would like my reports to have no negative effect since I paid them on time all the time. They also have my wifes address wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATG Credit admitted in the last complaint through the CFPB that the is not contractual obligation to pay because myself and ATG Credit does not have any form of a contract. Please read the respond of the attachment. 

Also, the debt was never validated. The ledger ATG Credit claims to show proof is false. Attached is the ledger from ATG Credit and an account history that shows the disbursements from my loan provider. The disbursement highlighted shows a different amount and date than the refund ATG said were provided which is also highlighted on the ledge ATG Credit provided. In order to validate a debt, a contract between the parties must be signed and dated, all details must be correct, and provided through documentation. 


ATG Credit failed to provide any form of any contracts between myself and the company. However, ATG has proceeded to collect on a false debt not owed to them and continues to place negative information on my credit reports for years. Therefore, I am not legally liable to pay any monies to this company. The harassment must stop
Product: Credit reporting or other personal consumer reports

XXXX XXXX reached out via email to discuss a repossession matter over the phone. I dont feel the need to do that, because this matter should be resolved through consumers financial bureau . Again, I have a balance that XXXX XXXX reported to the credit bureaus that I allegedly owe after the vehicle has been sold at an auction allegedly. By law, the first letter I shouldve received is a notice of intent to sell property. Once the lender has sold the vehicle, I shouldve received a letter called a deficiency notice. This letter is a statement to show proof of the sale, proceeds, repossession fees, the remaining balance fees. This vehicle has been repossessed in XX/XX/year> and still I have not received any of these letters. This goes against the FCRA laws, and should be removed off of my credit report for inaccuracy, and no proof of sale.
Product: Checking or savings account

PNC, like many financial institutions, allows for transfers between accounts to pay loans and credit cards held with them. My most recent payment to my credit card with them, using this transfer feature in their mobile app, was on XX/XX/27. Today is XXXX, and while the balance on the card reflects the payment made, the transfer has still not hit my checking account with them. Taking more than XXXX business days to process a payment is excessive. 

Similarly, I have an auto loan setup with them on autopay. This does not display in the app. Rather than taking the paymeny for the loan on the due date ( again, even when the due date is a business day ), there are delays in the payment made and no way to confirm it has been done in the app. When I asked customer service about this, they confirmed this is by design. 

For people who only have access to the internet through the mobile app, these systemic delays and lack of transparency surrounding pending items undoubtedly lead to people thinking payments have already gone out and making purchases based on balances that should reflect pending payments to PNC products, but do not. I have no faith that this is anything but intentional and would like PNC to process payments made to internal loans and credit cards within XXXX business days at most.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX CARD XX/XX/year> As required by XXXX XXXX XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Received a letter from : Professional Credit Service XXXX : XXXX XXXX XXXX Claimed that they are collecting on behalf of Oregon Department Of Revenue. 
Amt = {$140.00} When I called them - the amount was = {$1600.00} I asked for tax information and more information on the debt. 
The agent XXXX request that I write in to their company - they can then get approval from Oregon Department of XXXX to release to me. 

They asked for my last XXXX digits and I regretted providing. 
Because when they tried to verify my home number - the number they have on file was wrong. 

Please help me check if they are legit? 
I'm requesting for debt information : Tax letters so that I can verify they are collecting on behalf of the XXXX department. 
I need proof that I owe Oregon Department of XXXX money
Product: Checking or savings account

CHASE bank XX/XX/XXXX Checking account available balance- {$1400.00} XX/XX/XXXX Check deposit of {$9500.00} XX/XX/XXXX Check {$9500.00} posted available balance + {$8000.00}. 
deposit hold and restricted online account access. 

XX/XX/XXXX went to chase bank Deposited XXXX XXXX  XXXX substitute check amount of {$15000.00} at the teller without issue. 

I asked for helped to get me back my online access. Branch said they cant do anything since the back office placed restriction Called chase bank XXXX XXXX XXXX was told account was closed. Refused tell me reason why but was told after 7 days. remaining funds will be sent to my address. 

XX/XX/XXXX substitue check posted and made available balance. of {$15000.00} I dont have any direct access to account except info from text banking. 

XXXX XXXX substitute check deposited bounce. 

XX/XX/XXXX internal XXXX debit of {$8000.00} account balance XXXX. 

its already XX/XX/XXXX. I have not received anything from chase. I called several times and was told that account is already closed. 

Where did the balance on my account go?
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention that I am cognizant of the unlawful practices you have been employing, wherein you consistently respond to consumer disputes and challenges with generic form letters, regardless of the specific details provided by the individuals. It is imperative to note that such actions are in clear violation of 15 U.S. Code 5 1681i, which mandates that each dispute and challenge must be individually addressed based on its own merits. The letters I have submitted were generated utilizing software that is readily accessible to all. In the event that you fail to address my letters accordingly, it would signify a violation of my consumer rights. I perceive this disregard as a deliberate transgression against my rights, and thus, I intend to seek legal counsel to initiate appropriate legal measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

For my XXXX XXXX credit card, I did not get 2 months of e-statements. In additionally, I attempted to make an online payment but the payment did not process. I was not notified that the account was past due as courtesy and since payments are made on time. XXXX refunded the late fee ( see attached ) but would remove the negative reporting of past due 30 days to all 3 credit bureaus. 

I had to call to get my account summary to updated to show payment reflected on my account ( see attached ). I made the payment on XXXX and had to call XXXX on XXXX to ask why my account summary is showing only XXXX available credit when the entire balance was paid off on XXXX of XXXX. I think XXXX is having online technical issues and its negatively impacting customers accounts. XXXX is not being transparent to customers and would prefer to allow false reporting be sent to the credit bureaus. XXXX said payment had to be released and I had to call. When I made the payment online it did state for me to call back or was I notified of the hold. And the payment taken from my bank account on XXXX/XXXX/XXXX and its showing in the recent transaction section payment made on XXXX/XXXX/XXXX.
Product: Credit card

First, Id like to say that ( below ) is the second fraudulent credit card application submitted/attempted in my name to Concora Credit Inc. ( the first complaint was CB Indigo/Concora Credit Inc and has been resolved, thank you ) Also, a credit card was not issued but there was no option to select the correct complaint which is : Submitted a fraudulent application On XX/XX/year> I received an email from Destiny Mastercard ( Concora Credit Inc ) that an application for a credit card was submitted in my name, but the email had a fraudulent address for me ( same as the first fraudulent application ). They requested that I remove the security freeze from my XXXX credit report to process my application. ( The freeze and fraud alert was placed because of the first fraudulent application submitted in my name to CB Indigo from Concora Credit Inc mentioned above ) I called Concora Credit Inc on XX/XX/year> and reported the application was fraudulent and requested that it be reported to their fraud department and removed from processing. The associate took my information and said I would receive an update by mail.

I just want to be sure this is taken care of immediately.

In addition, I just do NOT understand how Concora Credit Inc would attempt to process a second credit application in the same name/social that was reported fraudulent less than 60 days prior!! There should be some security protection for customers and victims of fraud!! Please do better!! 
Im also requesting that Concora Credit Inc place a fraud alert in their records immediately and deny any attempt to process applications using my name/social!! 
There should never have been a second attempt!! 
Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiries from my credit report. Upon reviewing my report, I found several unauthorized inquiries that are harming my credit standing and could severely impact my financial reputation. 
I have reported these fraudulent inquiries to the Federal Trade Commission ( FTC ) and enclosed a copy for your reference. Despite this, these inquiries remain on my credit report. This violates my rights under the Fair Credit Reporting Act ( FCRA ), and I demand their immediate removal. 

Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX,. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all my last name is XXXX not XXXX. I have never worked for XXXX or premiere. So that needs to come off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX XXXXXXXX account number XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604 A section XXXX states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquiries and its affecting me getting a loan for my daughter college education. I have several inquiries from XXXX XXXX, XXXX XX/XX/17 XXXX and XX/XX/17, XXXX XXXX XXXX, XXXX XXXX XX/XX/17, XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17,  XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX XXXX XX/XX/17, XXXX XX/XX/17, XX/XX/17,  XX/XX/17,XX/XX/17,XX/XX/17,XX/XX/17, XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XX/XX/17,  XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX I contacted all these places and customer service would not take care of the negative inquiries on my report
Product: Debt collection

Though I am trying my best to get this debt taken care of they have been rude, disrespectful, and even advised me to take out a loan to pay them which I can and will not do. I went into full detail with a woman named XXXX about my situation, have made a payment and wanted to work out making payments to get this taken care of, but they have basically tried to bully me into making a payment in full that I can not make.
Product: Credit reporting or other personal consumer reports

In my opinion Discover has violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) I have complete and thorough records of your violations and I am prepared to protect myself and my rights from unscrupulous collection agencies.
Product: Credit card or prepaid card

US Bank Credit Card services has failed to update my account with the {$500.00} payment that I made on XX/XX/22. The {$500.00} was drafted from my bank account on XX/XX/22 and yet US Bank still has not applied the payment to my balance.
Product: Mortgage

XXXX 2016 our house payment jumped over XXXX $ due to raised house taxes.My understanding is a mortgage may not charge more then 31 % of a families gross income, a payment of XXXX is over that limit.I filed a loan modification with bank of America denied, appeal denied.I am XXXX my spouse is retired we have a very set income.
Product: Credit card or prepaid card

I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) on XX/XX/2018 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express sued me over an alleged unpaid balance. During the court process the case was dismissed with prejuidice. Prior to this I have filed a dispute with all 3 CRA regarding this. American Express continues to report to the CRAs that the debt is correct. The case was dismissed with prejudice in my favor. American Express has no legal standing and under State Law must remove account from all credit reporting agencies.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Checking or savings account

I placed a stop order payment on a check and the bank paid it anyway, even though I complied with all requirements.
Product: Credit reporting or other personal consumer reports

There are late payments for account -XXXX XXXX XXXX ( XX/XX/2020 ) -XXXX # XXXX ( XX/XX/2020 ). I had some issues with my income being affected by the XXXX PANDEMIC SHUTDOWN. I have a legal right to dispute anything that is on my credit report. I am not an ATTORNEY OR THIRD-PARTY REP. I am requesting some accommodations so I care to protect the integrity of my credit file. I am buying a Home this month and these errors are definitely holding back my process.
Product: Money transfer, virtual currency, or money service

Money transfer failed to credit account after 20 days. 

Transferred XXXX XXXX to XXXX XXXX on XXXX XXXX XXXX. 
The money was shown as received on the XXXX XXXX XXXX but the company has failed to credit my account as of XXXX XXXX XXXX. 
I have made numerous attempts to contact their customer support via their own web portal, email, social media, telephone and I have had no direct response. 
I have submitted numerous support requests and tickets and only received an automated response containing irrelevant information. 
The support case case ID is XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX {$100.00} PayPal denied my request for refund when I was scammed
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Recently, I did an investigation on my credit report and found several items in there to be inaccurate. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these item for me to ensure accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit reporting agencies reporting inaccurate information on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Product: Checking or savings account

My account was closed due to an check cashed that I didn't know was a bad check.
Product: Payday loan, title loan, or personal loan

On XXXX/XXXX/XXXX my XXXX received a call from the same number XXXX back to back when she finally answered they belittled her and threatened to arrest her for XXXX XXXX XXXX from XXXX that never got paid when I called them they did the same to me accusing me of trying to defraud the lender and was going to have a warrant out for me if I didnt pay this ridiculous amount
Product: Money transfer, virtual currency, or money service

Well trying to send money through The website https : //transferwise.com/ Because I have digital photographs of what they actually tell me is being sent the price changes the times constantly change I have no idea if the money been sent or the money been taken they refused to contact me : Because theyre XXXX  around I want their legal department mailing address and their United States federal tax ID number theyre conducting business they have one.