23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I received several documents claiming that a dispute that was filed was settled. I became concerned because I had not filed any disputes with PNC Bank regarding any issues paying my XXXX XXXX Credit Card. I pay this card using PNC Bank bill pay. I am in control of when this bill gets paid, they do not bill the bank for payment. 
I stopped into a local branch at XXXX XXXX XXXX XXXX PA XXXX to speak to a representative about the issue. I asked for a manager that knew the banking system, I was looking for someone that could answer the questions. The lady at the desk boasted that they have a General Manager and two assistant managers, all that know the system well. She asked me what the problem was. I presented her with several papers claiming that a dispute had been filed over several transactions dating back to XXXX of XXXX. As she looked into the issue, she asked if there was another person on the account since the notation indicated that " she '' did not recognize these payments. She asked if XXXX could have filed these complaints. My response was that XXXX, my wife, passed away in XXXX of XXXX so it would be impossible for her to be the one filing the complaint. At that point, she had no other answers other than maybe someone put a wrong account number in. She also stated that she knew I did not want to hear that. The problem is that she refused because I became irritated that she did not answer and was not willing to pursue how this happened. This did not leave me with much confidence that my banking was secure.
Product: Credit reporting or other personal consumer reports

I recently reviewa copy of my credit report and notice I had fraudelent accounts on my report. Pease remove these accounts from my credit report they are hurting my ability to obtain credit
Product: Credit reporting or other personal consumer reports

This is my 8th requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/XXXX I went into a Bank of America branch to deposit my State of California Tax refund check of {$27000.00}. The teller provided a confirmation slip that said {$22000.00} would be held until XX/XX/XXXX. On Friday XX/XX/XXXX I received a notice that the entire amount was placed on hold with the reason being A hold was placed on your check ( s ) because check specific information indicates item may be returned. I called customer service and they were not able to provide a reason for the hold and they were not able to provide an availability date. I later learned that the availability date was also pushed out 2 days from XX/XX/XXXX to XX/XX/XXXX. At no time have I been provided a specific reason for the hold. At any rate the whole process is dubious given that the check is from the State of California, it says Tax Refund on the check.
Product: Debt collection

I cancelled XXXX in my XXXX home on XX/XX/2021. My bill was paid. They took XXXX out of my bank account on XX/XX/2021 for services not rendered. I removed my bank account from the XXXX account so this would not continue to happen. They continued to bill me through XXXX XXXX Credit Management Lp continually tries to collect money I do not owe XXXX XXXX in fact they owe me XXXX. I have explained this to XXXX and Credit Management LP. They never respond. I moved to XXXX XXXX on XX/XX/2021. There is no XXXX service in this area that I could be billed for. Credit Management LP just put a collection notice on my Credit reports for {$100.00}. This is fraudulent reporting.
Product: Credit reporting or other personal consumer reports

This creditor has charged-off this debt and still is inaccurately reporting an owed balance. Which is not in compliance with the FCRA laws and IRS regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempt to resolve since XX/XX/2020 please the attached proof XXXX : XXXX Mortgage needs to be removed it does not belong to me, Please see the provided proof. 

Secu this account shows late payments : This account is paid never, The balance is also incorrect. I am requesting that all information be corrected Please see the attached for further information XXXX  dates are follow : Per the USPS 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX, 2020 All as shown above was recived by XXXX XXXX. 


XXXX  has declined to update my credit report, I have sent numerous request to them as well.
Product: Debt collection

I do n't know what this debt is-I 'm pulling the information off my credit report. I called the collection company and they have my information. But it 's for medical debts in texas, I have n't lived in Texas for over 10 years. I contacted my health insurance company and they have no recorded of any request for payment for hospital or doctor offices in Texas. What I did find out, is the debts are over 6 years old so they do n't have much of a record. But these debts keep sitting on my credit.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I called XX/XX/20 at XXXX talked to Agent XXXX ID XXXX XXXX to cancel my Citi Premier card ending XXXX. I was offered a full refund of my membership fee after I paid the fee. I chat with Citi on line agent ( XX/XX/20 ) and assured me that the refund be deposited into my credit card account before the billing cycle ending XX/XX/2020. 
I just found out today ( XX/XX/20 ), the refund will not be honored and I will not receive it. 

Citi bank need to honor the offer promised by their agents, I am seeking the full refund of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

They sent me a lot of private information.
Product: Credit reporting

I was asked by the cashier at XXXX if I wanted to apply for a card and get XXXX % off of my purchase, said no I have a card, he said that does not matter so I said go ahead then. 3 or 4 months later I applied for a loan and was declined because I had not paid XXXX in 3 months. 
I contacted XXXX they supposedly sent a bill and it was returned. They did this 3 times? They have my phone number, should't you make a phone call to see what was wrong? 
After my last conversation with XXXX I was told they would file papers stating I was disputing this claim. I have not heard back from them yet nor have I received the credit card or a statement since I started this futile search 3 weeks ago. I had credit scores in the XXXX or so range now I am at XXXX and can not get a loan. I pay out several thousand a month in bills when statements arrive. Why would I not pay a {$75.00} bill to XXXX? 
I could be out of business because of this and do not know where to turn next. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

They pulled my credit score twice without my permission for an auto loan. 

XXXX XXXX was the bank that did this.
Product: Debt collection

I received a telephone call from a company identifying as the XXXX XXXX. The contact name was XXXX XXXX. He advised that I owed money on an account with XXXX which I did not recognize. He further advised that if I did not pay immediately he would Institute a warrant for my arrest. I advised that I needed further information on this debt in writing which you refused to provide.
Product: Checking or savings account

I had a Huntington checking and money market account for a couple of months now, this morning I went to log in my account and it kept saying my password was wrong so I called. When I called I was told that my account is under review and my remaining funds in the account is being held. I dont understand why banks have the power to do this. I have bills to pay in the next 2 days and if they arent paid I will be having late payments on my credit report. I cant not have late payments because of a banks issue! This is horrible and I dont know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of last year Kikoff lending closed my account after I said it was closed I error they refused to reopen the account. Although I have money spent on the account and I can no longer access and download the products o purchased on the app. This company is a scamI uploaded emails saying they won't open my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson capital syst / orig creditor XXXX XXXX AMOUNT OWED - XXXX Date account opened XX/XX/2018 XXXX XXXX XXXX AMOUNT OWED- {$690.00} Dates opened XX/XX/2018 Ive asked both these debt collectors to remove this from my credit report nothing has changed Ive reached out to all 3 major credit bureaus and disputed vigorously still nothing has been done Ive sent credit letters with proof that I was incarcerated at the time of these accounts being opened, now Im being challenged to produce a police report
Product: Credit reporting

The following account is not mines. I have called XXXX XXXX and the collection agency attempting to receive payment, and neither one of them can tell me where the charges came from and seeing that I am current customer of XXXX XXXX, how do I have a past due amount on an account that I have been paying on since XX/XX/XXXX. The account in question : Creditor Name CREDIT COLLECTION SERVIC Original Creditor XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Placed for collection
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or a 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 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 card or prepaid card

I have been using this Capital One credit card since XXXX and have been on an auto-payment set up for the full due amounts every month. For the month of XX/XX/XXXX, I had a bill for {$2100.00} due on XX/XX/XXXX. 

In order to utilize the mileage rewards, I tried to make early payments, then I realized the reward would not be updated until one month after the payment. So, I canceled the one-time payment and reinstalled the auto-pay. Apparently, the auto pay was reinstalled for the XXXX bill, not for the XXXX bill, which I didn't realize 12 days after the due dates. XXXX XX/XX/XXXX, I checked back the website and was shocked to see the autopayment was not made for XXXX. so, I made the payment right away. 

On the XXXX bill, there were one late charge of {$25.00}, one interest charge of {$46.00} and another interest charge of {$22.00} for messing up the XXXX autopayment set up. Since I have been paying the total due amounts every month with the auto-pay setup since XXXX, I expected a one-time waive of the charges. The agent understood my situation and tried to remove the charges but was only able to remove the {$25.00} late charge and one interest charge of {$22.00}. He could not remove another interest charge of {$46.00}. I could not understand why there were two different interest charges for one 12-day late payments. When I got connected his manager XXXX, he also understood my situation and tried to remove it. But again, he said his system did not allow him and if he can not make the adjustment, no one in his company can make the adjustment and I have to pay the interest charge of {$46.00}. 

XXXXe additional issue is that I don't understand how the interest charge of {$46.00} ( dated XX/XX/XXXX ) and {$22.00} ( dated XX/XX/XXXX ) were estimated after the payment was made on XX/XX/XXXX. The XXXX is 15.65 % based on the contract. Thus, the annual charge to the due amount of {$2100.00} would be {$340.00} ( = $ XXXX*15.65 % ), which is {$0.00} per day. For 12 days, the interest would be {$11.00}, compared to the {$68.00} ( $ XXXX {$22.00} ). I understand that my simple manual calculation may be off a bit, but the charged amount is more than 6 times. 

Therefore, I would like to file a complain to Capital One that they charge too much interest on late payments ( or they do not explain clearly how the interests are estimated ) and their system does not allow to make adjustments on charges even if the billing department agent and his manager agreed to do so. 

Thanks for reading this!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Debt collection

I have so many medical debt and I should n't have any my insurance should have covered all medical bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an additional SHINee on two different credit cards. The problem is I am not financially liable for the debt. The credit card companies are reporting the total amount due on my credit report. This seems to be industrywide practice I have no financial responsibility. And it should not show up on my report.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from TransUnion and I noticed inquiries that did not belong to me. After reaching out to the creditors, I was advised they did not have record on file of me ever applying on the dates that are represented on my credit report with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the inquiries in questioned did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Debt collection

Recently I have been receiving an excessive number of calls from Commenity Bank XXXX 14 in the last week, 5 in just the last 8 hours while I was at work! I am assuming that this is related to a credit card I recently took out but have yet to receive any statements for in order to pay it. Its definite harassment and in violation of the CFPBs 7-in-7 rule for debt collection calls. I used to have a commenity card years ago, and like 6 years ago I filed a complaint that they had harassing call programs then - why hasnt the CFPB done anything to stop this? I know they can be liable for damages up to {$1000.00} per person but it seems like they just continue the same problems with no consequences. Had I of known the store credit card I was applying for was through this bank I would have never gotten it! I am also suddenly getting a bunch of No Caller ID calls that suddenly started at the same time that Commenity started calling, I am not late in any other credit cards or loans and so I know that I wouldnt be receiving calls from anyone else. Although I cant prove those are them, it has to be more than a coincidence. Either way, 5 calls in 8 hours?!? I work and cant take personal calls. Mail me my statements, give me notice on how to pay and Ill pay it - dont harass me! Since I have yet to receive a statement- I hope I havent been assessed any fees on top of this or been reported to the credit bureaus! Better yet - take the {$1000.00} per violation issue that it says in regulation and cover the debt ( which is like a quarter of that ) - then fix your collection programs. take some ownership of your blatant compliance failures.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report XXXX XXXX accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXXXXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under XXXX XXXXXXXX, Account Number : XXXX is also out of the statute of limitations of XXXX years. 

-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 XXXX 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

I, XXXX XXXX, have authorized a dispute regarding several violations of the Fair Credit Reporting Act ( FCRA ) concerning my credit report. These violations include errors in the reporting of late payments, inaccuracies in debt validation, and unauthorized hard inquiries. I identified multiple instances where credit reporting agencies or debt XXXX failed to comply with regulations, such as not verifying the accuracy of credit information, failing to disclose my right to opt out of sharing my personal information, and not properly validating debts. These errors have caused harm, including unnecessary creditor contact and distress. 

I have requested immediate action to correct these issues, including the removal of inaccurate late payments, the validation of debts by debt XXXX, and the deletion of unauthorized hard inquiries from my credit report. Additionally, I cited specific violations of the FCRA and requested compliance with relevant sections of the law, such as 15 U.S.C. 1692g, which mandates that debt XXXX validate any alleged debts before continuing collections. 

If these issues are not resolved promptly, I plan to pursue legal action under the FCRA to enforce my rights and seek potential remedies for these violations.