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

I had a prepaid card thru XXXX XXXX the card was stolen with the other card at a hotel by some employees and netspend demanded me to send a copy of my identification and social security card and copy of mail with my address
Product: Bank account or service

I incurred XXXX overdraft fees between XXXX & XXXX. I feel these are not warranted because of how transactions posted. These fees continued simply because my account had already been overdrafted and more transactions were on their way to posting. When calling PNC, I was hung up on by XXXX person and was given misleading information by several others. Even after depositing funds to satisfy the current overdrafts, I called PNC and was n't made aware that more fees were to come for transactions that I had assumed were posted. Because of the available balances provided on my XXXX App by PNC and also PNC Atm receipts. Staff persons have condescending with me in most cases regarding my valid complaint and inquiry for additional information regarding my finances and my account. I 've filed XXXX complaints which I am waiting to hear back on. I asked about consumer rights/customer rights/ grievance policy in which the individual I spoke with had difficult divulging that information to me. I 've had an account with PNC since 1997. This year I 've had the most incidents with this bank then I ever have. No one is on XXXX accord resulting in the consumers ( in this case Me ) being misinformed results in the bank simply taking my money without transparent and legitimate explanation from individuals tasked with representing the organization. I believe the information accounting process needs to be reviewed for PNC bank and also the guidelines for over-drafting which comes with opting in. An option that I had no knowledge of for the first few years of my XXXX account.
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 U.S.C 1681. 
XXXX, XXXX, Experian all have different information reporting on my credit report XXXX XXXXXXXX XXXX account numbers : XXXX XXXX XXXX XXXX account numbers : XXXX XXXX XXXX XXXX account numbers : XXXX XXXX XXXX XXXX account numbers : XXXX, XXXX, XXXX XXXX XXXX XXXX account numbers : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX account number : XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX XXXX XXXX XXXX account number : XXXX, XXXX, XXXX 15 USC 1681 Section 602 ( A ) States I have the right to privacy 15 USC 1681 Section 604 ( a ) States a consumer reporting reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 USC 1681n ( a ) ( 1 ) ( a ) states any person willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum. Also, any actual damages sustained by the consumer as a result of the failure or damages of not than {$100.00} and not more than {$1000.00}.

15 USC 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, credit repair services, or other personal consumer reports

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reportsXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX & XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX  XXXX, XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I mailed a letter to Transunion and XXXX  to remove inquiries off my report that I did not authorized. XXXX  deleted these inquiries on XX/XX/2020 after placing a fraud alert and freeze on my report, I had already contacted all the companies and they advised they did not have my info and that I need to contact the credit bureau 's and police. The police said they could not file an identity theft report because I don't have enough information or the person 's name that may have been using my information. I told this to transunion and XXXX  and notifed them several times and sent follow up letters several times to ask how they verified this information when indeed I did not authorize these inquiries and they have not provided any proof on how they verified these inquiries. XXXX  responded on XX/XX/2020 stating they weren't deleting the accounts. Transunion has yet to respond or provide me with an update.
Product: Debt collection

This old sprint account was placed in collections back in XXXX. Was removed from my credit report last year XXXX. Now it is placed back in collections for some odd reason in XXXX. It should stay removed from my credit report based off the tenure. Called XXXX  which is now XXXX and they are no help. Submitted dispute with XXXX as well and it keeps getting denied. Company that has debt now is Jefferson capital system. Total amount {$2100.00}. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX ( Accounts and collection agency has violated my rights. 

S.C.1681 section 602 A. states I have the right to privacy. it also states under section 604 A section 2 a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Synchrony Bank XXXX located in XXXX, Alabama. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Synchrony Bank XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my consumer reports. The Credit Bureaus have stated that XXXX listed XXXX accounts were properly investigated and resolved on several occasions ; but how is this possible if the Account Numbers, Date Opened, Number of Months ( Term ), Last Reported, Date Last Active, and the Date of Last Payment are not accurate across all three reports? This is grounds for deletion / removal under the following : 15 U.S.C 1681 602 [ 15 U.S.C 1681 ( a ) ( 4 ) ] 623 [ 15 U.S.C. 1681s-2 ] 611.Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] See attached and have a nice day.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XX/XX/XXXX XXXX Balance : {$7300.00} XX/XX/XXXXXXXX XXXX Balance : {$3300.00} XX/XX/XXXXXXXX Balance : {$1400.00} XX/XX/XXXXXX/XX/XXXXXXXX Balance {$4000.00}
Product: Debt collection

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Amount stated in letter dated XX/XX/year> : {$2600.00} To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt referenced above. I hereby request that you provide validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I am requesting the following : 1. A copy of the bill of sale or written proof of the original debt with the original creditor.

2. A copy of the contract of assignment or any document evidencing your legal right to collect this debt.

3. An itemized breakdown of the alleged amount you claim I owe, including any fees and interest.

Furthermore, I am invoking my rights under 15 U.S.C. 1692c to request that you cease and desist all communication with me regarding this debt, except to provide the requested documentation, or to notify me of any specific legal actions you intend to take.

Failure to comply with this request may result in further action on my part, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney Generals office.

I also request that no further entries be made on my credit report regarding this debt until the debt is properly validated.

Please note that this letter serves as both a request for debt validation and a cease and desist request for any further collection activities until proper validation is provided. 
Thank you for your attention to this matter. 
XXXX XXXX Sincerely,
Product: Payday loan, title loan, or personal loan

I opened a title loan with Title Max prior to the Pandemic around XX/XX/XXXX and have asked for assistance now and around XX/XX/XXXX. I was recently divorced and when the pandemic hit my ex-husband lost his income and then his job and now has been forced to file bankruptcy. This has affected my income as I am a co-signor to the mortgage, and other significant bills. Now this burden is on me. I explained this to the company today. Also, when the pandemic hit my company cancelled bonuses which I would have used to pay this loan off. This company will not offer any assistance although their President sent out an email and their website advertises assistance for COVID 19 relief. I sent an email to XXXX XXXX, President of the company and to their customer service and I have heard nothing. I called customer service and they told me to call the store, the store is not willing to do anything but offer me a few days to make the payment. I pay XXXX XXXX monthly. I have paid over {$10000.00} in interest alone while suffering the impact of financial loss. I do understand this is a loan that is intended for short term use, but, no one expected the pandemic to hit. This company is false advertising assistance that can truly help customers and this is appalling as other loan companies are truly helping. Definitely a loan shark company that doesn't care about customers. I want them to remove the Covid-19 relief from their website and to reduce my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit card or prepaid card

I never received a statement for payments due on XX/XX/XXXX and XX/XX/XXXX. I was only made aware a payment was due when I received a phone call that I was past due on XX/XX/XXXX8. I immediately went on Kohls website and made that payment. While on the website I saw that they did not have a correct email address listed for me. I updated the email address immediately as well. I sent them a message notifying them that the statement had not been received. I requested that they not report this account as delinquent to the credit bureaus since I did not receive a statement. In their response they did not even acknowledge my credit bureau request. So I had to send an additional message to ask my question again. They still reported my account delinquent to the credit bureaus even though the reason my account was late was because they did not send me a paper statement or an emailed statement to an accurate email address. This delinquency was reported on my own credit report and also the authorized users credit report. If a statement had been sent to me I would have made the payment on time. I had adequate funds available to me to do so. Since the statement was not sent to me, please update the payment history for this account with the credit bureaus.

Attached Documents : Bank Statments forXX/XX/XXXX through XX/XX/XXXX.pdf -- Our personal bank statements showing that we had adequate funds to pay this bill had a statement been sent to us on time.

kohls email address update.pdf -- email showing confirmation that I updated the email address as soon as I was aware.

Kohls communication1 & 2 .pdf -- both communications I had with Kohls to address this issue. You can see how my first credit bureau question was ignored, requiring me to request again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was out of work due to losing my job from the nationwide coronavirus. Starting in XX/XX/XXXX ending in XX/XX/XXXX. I was told my account would be on a freeze with no reporting ... .... around XXXX XXXX. I received a lump some from unemployment and paid {$640.00} towards my Conns account which I knew I hadnt made a payment on when I was out. My recipe shows that the payment wouldnt take effect until XXXX XXXX. Which mean the payment would go towards anything after that Day. I have contacted Conns and they told me it went towards the previous payments from XXXX. But my effective date says XXXX XXXX. So I shouldve have been charged for the past. And I have several late payments on my account because they applied the payments to what they wanted to. Now I cant close on a house because of these late payments. Since then Ive made a additional payment in XXXX due to the late payments being reported. I was told if I made a payment of $ XXXX-on XX/XX/XXXX it would would bring me current till XX/XX/XXXX. The payment was made. And I am still being reported late for XXXX XXXX and XXXX. I was not told by me taking this extension I would still be marked late/ if so I wouldve agreed to this arrangement. Conns have been updated my payment history up and down from 8 late payments to 5 to 3. Up and down. And is running my life and my credit report. I need the correct information. And these late payments removed and my {$640.00} payment applied to what was printed a my recipe to me from them. XXXX soon as possible. I also made a additional payment for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declared bankruptcy and it was discharged as a Chapter XXXX bankruptcy on XX/XX/XXXX. My XXXX XXXX XXXX credit card account was part of that discharge yet they are still reporting to the credit reporting agencies that I am delinquent on that account, over 10 years later. On approx. XX/XX/XXXX, I contacted them by phone and the clerk agreed their records show the account was discharged in my bankruptcy and that she would submit a dispute to hopefully have it removed. I received their response to that dispute, dated XX/XX/XXXX, in the mail. It clearly states the account was discharged during my bankruptcy. And it also clearly states that they are correctly reporting my delinquency and will continue to do so. I called again and spoke to a supervisor, and then to her supervisor. Both stated they could see it was discharged in my bankruptcy and both stated they could only resubmit a dispute to the same department that already refused to fix the mistake. And that their response would probably remain the same. I informed them it is a violation of my rights to continue to report me as delinquent but they said their policy is that they can only resubmit a dispute and were not capable of actually fixing their mistake.
Product: Bank account or service

This is in response to company 's reply to case number XXXX : We were not advised of ANY of things the company mentioned in their response to my complaint. The company of record which I desired a business line of credit for was Base Operations, an 8 year old company at that time that had XXXX XXXX XXXX as well as XXXX XXXX and XXXX Business credit lines reporting at the time of the request. I was looking for a business line apart from my personal consumer credit profile, not BASED on it. While had expected my company 's credit to be hard pulled and maybe a soft pull on me to verify ownership, I never expected a hard pull on my personal consumer credit report. I strongly recommend reconsideration and respectfully request and update.
Product: Consumer Loan

I have been dealing with US Bank credit department representative, XXXX XXXX XXXX collections ). Business has dropped 40 % since XXXX 2014. We have been struggling for awhile now. So we are at least XXXX payments behind for the last XXXX months. I get it I owe it & I understand payments must be dealt with. But I am a human being last I checked. This woman was demeaning. I have my share of clients that owe us, but to ever think of treating anyone without respect is beyond me. I knew when I was XXXX yrs old that I would someday own a business. And I would treat everyone with a grand opening attitude. Trust me I lose sleep knowing I owe. I have ethics. This person must get a kick out of treating people like that. 

XXXX called me on the XXXX and I promised him I will send out check XXXX. On the XXXX a different rep was DEMANDING payment that same day. Saying that there was no check in envelope, I told her that 's impossible, XXXX I received an email from XXXX saying he received the envelope but that he wanted to know the check number to make sure it gets posted correctly. The only thing after that was getting accusations saying I never put check in envelope and she needed payment right now! She had a condescending attitude from there on. After I told her the check was in there. 

I do n't have that rep 's name but I 'm sure our conversations were recorder. She demanded again for payment through our bank. After just experiencing a double dip situations just a month before this XXXX XXXX XXXX XXXX XXXX, I was n't going to do any online transaction. I told her I will overnight check. Her response was that she has to have it today or else. I said I will check bank account XXXX bank, no check cashed or pending for US bank. I told her she had XXXX choices. Pick up equipment or wait for check. She accepted overnight. Just to prove to her my ethics I asked her to contact me next Thursday for another payment. 

Checked XXXX on Friday, low & behold XXXX checks were deposited, so after accusing me of literally lying, XXXX checks went in. I had enough funds XXXX. They got paid on XXXX them & I have incurred serious bank fee 's. Like I said I know I owe, but because of this I have to now pay cash to a vendor for NSF on XXXX consecutive checks. My bank paid XXXX checks in XXXX to another financial company & now to US Bank. Yet I do n't even have money to pay coned right now. They are also on my back. 

Just want to know my rights. What they done was crippled my dignity and dreams.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 my 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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