23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Debt Parking by XXXX XXXX XXXX XXXX XXXX, IL. I have never heard of this company and have never been contacted by this company regarding this debt that has placed onto my credit report a debt of {$1100.00} supposedly from the Illinois Department of Human Services who also has never made aware to me this supposedly debt. I have no dealings whatsoever with the State of Illinois and, have not even lived there in over 35 years. 

I am in the process of working to clean up and pay off my legitimate debts on my report when in early XXXX this month, I was notified through my XXXX account about this new debt from Harvard being parked onto my report.
Product: Credit card

I paid off my TJX credit card and then was told my account was closed. I don't understand how paying off my card resulted in them closing my account considering I had a very low credit limit
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and realized that there were a number of inaccuracies in it. I noticed that I had several misspelled names, previous addresses that do not correspond to my current address and that has caused me problems in obtaining and building credit. The bureau that is presenting this is Transunion. Attached is more information These are the misspelled names that this bureau presents in the report XXXX XXXX XXXX XXXX XXXX XXXX  And these are the addresses that do not correspond to where I live at the moment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX I noticed transactions I did not authorize from my checking account ATM card. The total unauthorized transactions were 11 transactions for a total of {$670.00}. I filed a claim within 2 days of the transactions. After Chases investigation they concluded the transactions were correctly authorized. I do not agree with the decision and the fact that they will be taking the temporary credit back. I never authorized the transactions, have never shopped at those store locations. I feel like there was no effort in the investment. I would bet that my pin number was never entered for any of those transactions. I do not was the credit/refund for those fraudulent transactions removed. I received a letter stating they would be removed. If removed, I will not have enough money in my account.
Product: Debt collection

I have had medical insurance since 2020 with out laps from my employer. I work for a XXXX why would I acquire a debt when I have insurance to pay. I was the victim of identity theft during the year this account was opened. There is also an address on my credit report that I have never lived at that was used to open a phone bill as well which was identified to be identity theft. Your company is aware of this situation and was in agreement with that finding.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment reports on my credit file regarding my XXXX XXXX XXXX XXXX account ( XXXX XXXX ) as reported by Experian and XXXX. These late payment reports are inaccurate and should be removed under the Fair Credit Billing Act ( 15 U.S. Code 1666b ), the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), and the Truth in Lending Act ( 15 U.S. Code 1637b ) due to non compliance.
Product: Credit reporting

I am a victim of identity theft and have been a victim of identity theft for over 10 years. I have fraudulent and unauthorized credit inquiries listed on my Experian credit report. The following credit inquiries are fraudulent and unauthorized : XXXX, XX/XX/2017, XXXX, XX/XX/2017
Product: Checking or savings account

As a long time PNC customer of 2 decades or more including XXXXXXXX XXXX I am filing this due to the lack of resolution of a floating $ XXXX that has impacted my credit score and financial reputation/ status with creditors as well as lack of service recovery.

As a registered nurse in administration I am very aware of how important customer service and empathy are to clients and I have not experienced that with my assigned PNC case manager the past two months. This unresolved issue has been ongoing since XX/XX/XXXX so I will try my best to abbreviate the timeline. 
Let me preface this by saying, most every PNC frontline representative I have interacted with has been extremely polite, providing personal attention and demonstrated empathy and care. But XXXX XXXX my assigned case manager ( XXXX ) has not. If he is good at the technical and operational aspects of his job, great ; but he should not be front facing with customers. He has been terse, displaying little to no empathy, inattentive and documented in my case records/notes that he called me and left a message when he did not. Abbreviated timeline as follows : XX/XX/XXXX - $ XXXX balance transfer check deposited into PNC ATM at my place of business ( XXXX XXXX ) XX/XX/XXXX check cleared and deposited into my PNC checking XX/XX/XXXX $ XXXX payment to XXXX XXXX from my PNC checking XXXX $ XXXX Check returned to maker ( XXXX XXXX XXXX  ) RESULTING IN MY ACCOUNT OVER $ XXXX IN THE NEGATIVE XX/XX/XXXX Three PNC overdraft fees of $ XXXX generated XXXX Pulled $ XXXX from my personal NON-PNC savings accounts and deposited into PNC checking to cover the negative balance and cover automated withdrawals i.e. bills and mortgage XX/XX/XXXX XXXX provided me a Banks Claim of Later Return document verifying that PNC ( XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX ) requested the funds back on XXXX after they were returned to XXXX XXXX XX/XX/XXXX Spoke with XXXX @ PNC who informed me the $ XXXX was sent back to XXXX on the XXXX and it should take 3-4 days. 
XXXX XXXX never received ; balance remains on my XXXX credit card. 
XX/XX/XXXX After complaining about not hearing back from XXXX XXXX PNC XXXX he returns my call and tells me the $ XXXX was NOT sent to XXXX on XX/XX/XXXX as I was originally informed and now I needed a letter of indemnification. 

As mentioned, I am a long-time customer who uses PNC as my primary banking institution and my home mortgage is with PNC. Now I am at a complete loss and convinced I need to refinance my mortgage and move my banking business elsewhere. In addition to the $ XXXX, there is the {$1000.00} balance transfer fee, {$69.00} late fees, {$32.00} interest charges, totaling {$22000.00} owed to XXXX and reflected as a balance owed by me. Additionally, the {$100.00} PNC overdraft fees. Lastly, my credit score is now XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Product: Credit card

My wife and I noticed a fraudulent credit card charge from a mail order cosmetics company in XXXX of XXXX after reviewing our XXXX statement. At the beginning of XXXX we contacted Walmart Synchrony bank to report and dispute the fraudulent charge ( XXXX ). We provided the amount of the dispute ( {$260.00} ) the date ( XXXX/XXXX/XXXX ) and also cancelled our old card and ordered a new one to prevent further unauthorized charges. I have made more than 10 calls to the credit card company since then and keep getting the run around. Today they said their investigation shows the charge was valid and my claim denied. It is extremely frustrating as we have no clue as to what the charge was for and never made a purchase to this company we had never heard of.
Product: Debt collection

XX/XX/2019 TD bank called my estranged sister in XXXX Fl. I live in NJ that person disclosed all information, amt that I owe and. date that I stopped making pymnts. My privacy has been violated. Im completely humiliated and ashamed I have several medical conditions and this just caused stress that is adding my condition
Product: Debt collection

Med-1 Solutions made demand for ( {$87.00} ) the hospital debt which is not correct. I send register letters to the Med-1 on XXXX/XXXX/2015 and XXXX/XXXX/2015 asking to validate the debt.Did not have respond, and damage to my credit makes me to pay highest interest on my commercial XXXX loan.My damage is over {$10000.00} due to the highest interest I pay.
Product: Credit card

Creditor is denying me for prior accounts I wasnt able to maintain as a young adult. As time change & people grow we start to make more money & become more responsible. To deny my an account due to inconsistency in the past isnt fair. If I couldnt make the payments before, that dont mean I cant make them now. I make more than enough & my score is high enough.
Product: Debt collection

On XX/XX/XXXX I submitted a complaint about midland funding trying to collect a debt from a XXXX XXXX  account in which I know nothing about. They provided a statement with a balance showing XXXX which first of all isnt mine but doesnt even match the amount they are attempting to collect which is XXXX which is what was reported unjustly on my credit report. I am attaching the letter and statement they provided. Charges on this card need to be proven in addition who was paying this credit card. Is there a copy of a payment and if so by whom at any point this account was opened.
Product: Mortgage

In 2007 Samuel I White PC allowed XXXX and XXXX XXXX XXXX to misuse a poa and steal XXXX mortgage that XXXX XXXX XXXX and I had on our home at XXXX XXXX XXXX XXXX, XXXX Virginia. They stated it was a short sale. I signed paperwork that appeared to be for short sale but found out later it was sold out right for XXXX. Samuel I White PC allowing XXXX XXXX ( mother in law ) to file bankruptcy and refinance the mortgage. Hiding the assets in her name. All unbeknownst to me. I continued to pay half of the mortgage for the next 2 years. 
XXXX XXXX having multiple ( 12 ) deeds of trust on her home at XXXX XXXX XXXX, XXXX, Virginia XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing my credit profile with tranusnion. ive noticed alot of unauthorized information that is hindering my credit report.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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: Checking or savings account

I created a XXXX XXXX account using a family member 's access number. I was granted access to my XXXX XXXX account. I funded my account with the family member 's XXXX XXXX debit bank card. The next business day I was having problems accessing my account. I called the customer service number and was directed to submit a security appeal form. I submitted a security appeal form providing documentation of my address, the banking card XXXX XXXX gave me, my car registration, my driver 's license, an additional banking card, and the account information of the family member who had provided the access code to support my claim that the information provided is correct. I received an email stating that my appeal was submitted and I would be contacted within 15 business days. I called a week after submitting the appeal to determine if there was any known information since I had not received any updates. I was told that there needs to be additional time for review. I then contacted XXXX XXXX customer service for the third time on business day 20 about not receiving any updates nor having access to my account. I was informed that my account was closed because I had not submitted any new information. I told the representative I never received any information about requiring additional documentation to support my claim. Regardless, I now have a closed account with an active banking card and have not been refunded the amount plus interest- I know they have already invested my funds from my account. No one is willing to continue to aid or provide information on how to proceed forward. I have been left in the dark, out of money, and have a poor experience with XXXX XXXX.
Product: Debt collection

Collection Agency has not verified debt and has reported derogatory information to multiple credit agencies. I 've contacted Collection agency to provide proof of debt, rather than provide proof of debt in timely matter State Collections reported collection to an additional credit agency. State Collections also failed to contact me regarding collection and I found out through checking my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was first due for repayment XX/XX/XXXX. There has been no payments made by me or any representative of me through any fashion in well over the SOL for this loan. This loan was removed from my credit report several years ago due to the SOL and there are several inaccurate payments reported on my account that were never made in an effort to re-age this debt and begin collecting on it again. I have sent several requests to navient to provide proof of payments made including where there came from and they refuse to provide me with this vital information that would prove that this debt is well past the SOL to collect and report on. They now have debt lawyers contacting me daily and harassing me for debt that is well past the SOL and unable to do so on. they also are reporting on my credit a last payment of XX/XX/XXXX currently, which does not reflect the inaccurate information they have of XXXX in their own documents.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX XXXXXXXX, reviewed my credit report and found the following Name, Addresses, and inaccurate accounts reporting in my credit report. I am a victim of identity theft and did not authorize the charges. I have provided proof of identification, Proof of address ( Utility Bill ) and my social alone with the inaccurate names and accounts that needs to be removed. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months
Product: Debt collection

My name is XXXX XXXX and I 'm reaching out because of my credit that is flagged with the credit bureaus from XXXX. I have switched to XXXX XXXX XXXX XXXX for a prepaid no-contract phone service only with XXXX and paid my first bill on XXXX XXXX XXXX and then I have switched to XXXX on XXXX XXXX XXXX after I have paid the month of service which is XXXX. Therefore, XXXX tried to bill me for a month that I did not have phone service for, instead I 've had phone service with XXXX. I have uploaded two pdf documents one is the bill summary from XXXX and the second one is the receipt from XXXX when I 've switched. 
Please feel free to reach out for any questions or concerns. 
Thanks. 

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

Please delete the following inquiries. I have no knowledge or aware of these inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/22 I was contacted by Portfolio Recovery about a debt they had purchased from Synchrony Bank of $ XXXXThey had been calling repeatedly..We came to an agreement of $ XXXXInitially I tried to pay with my credit card.They said I couldn't pay with credit. The lady on then phone was speaking to me as if I were an XXXX. Other companies had taken credit no problem. When I got my debit card to pay the agreed amount the lady said I hurt her feelings and she would not accept my money. Now I find they have put this back on my credit report as if it is new..I have an email they sent detailing the agreement. I was promised if I paid the {$630.00} the collections would be removed from all the credit reports..They never had any intentions of making a deal..They wanted to put this account on for another 7 years. I request your help in removing this from my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX XXXX  MDT I sent {$150.00} as an instant transfer to a friend to help with an emergency expense. The money was not received in the time quoted for the transfer, instead sitting in a pending state. On XX/XX/XXXX I contacted PayPal customer service via chat through their website to inquire about the delay. I was informed that the " Instant Transfer '' had instead been sent as an " E-Check '' resulting in the delay, and that the money would be available to the recipient on XX/XX/XXXX. On XX/XX/XXXX I see the money still pending. I check my bank account activity for the money I sent to see that the transaction was no longer an authorization hold and had posted to my account on XX/XX/XXXX, so I again contact customer service, this time via phone. When I finally receive a callback to speak with an agent I question why my transfer was sent as an " E-Check '' instead. I am told that there are several reasons why this can happen : declined/disputed transaction, ensuring funds being available in account for amount being sent, PayPal viewing transaction as a " risk, and multiple login attempts. '' I haven't had any declined payments through PayPal, and the debit of funds from my account for the transfer had fully posted. I have been using my PayPal account to send and receive money in amounts excessive of {$200.00} since XX/XX/XXXX, and I accessed my account via mobile app twice in the same day using Touch-ID to login with no error. I explained this to the agent to show how none of the reasons she gave for why my transfer was sent as an e-check were applicable to my account. I asked when would the money I sent be available to the recipient, and was told XX/XX/XXXX. I asked if there was anything that can be done on their end, and was told that there is nothing they can do. The issue was then escalated to a manager to assist me with. The manager proceeded to recite the same rhetoric as the agent before, causing same information to be unnecessarily repeated. This exchange became increasingly irritating as no solution was being presented to the situation where I was clearly a victim of UDAAP violations as a consumer. Upon asking if they had any solutions I was told I can address this issue with my bank. The {$150.00} I sent is currently still pending in PayPal 's system.
Product: Credit reporting, credit repair services, or other personal consumer reports

The calls are from card member service, they keep calling and I tell them to stop calling I do not need credit repair, and don't want them calling, they call my cell phone and home 2 to 3 times every day always different states and phone # I KEEP BLOCKING but have no more space left to block, have complain 2 or 3 times before this to you, the number they call from now XXXX, when you answer the phone they say Visa Master Card Alert, then they ask you to press 1 for assistance, I did that and ask who they were and they answer card department member service I tell them I'm going to report this and they hang up, I know you will not do anything about this but I am going to report every number that call me and make a Notation of every time I report this to you.XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My USPS tracking numbers are XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX The accounts are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and seen you are still reporting inaccurate information. If your creditor cancelled your debt and issued you a 1099 -C they can't keep reporting it as a charge off it is ordinary income. According to 15 U.S. Code 1681e- Compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about the report relates. Please remove the two accounts listed below from my consumer reportXXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please r

emove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

4. Identity Theft XXXX MACYS Account Number : XXXX  This is not mine.

5. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

6. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

7. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

8. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

9. Identity Theft XXXX  Account Number : XXXX This is not mine.

10. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

11. Identity Theft DP OF EDUC Account Number : XXXX This is not mine.

12. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

13. Identity Theft XXXX  Account Number : XXXX  This is not mine.

14. Identity Theft XXXX  XXXX  Account Number : XXXX  This is not mine.