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

PNC will not allow me to connect my bank account to other services that I want to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a medical bill that was submitted to credit bureaus by collection company, XXXX XXXX XXXX, even though I was/am attempting to pay the debt. I am not arguing the amount, but due to financial problems I was not able to pay when the bill was originally sent out to me. The bill was sent out in XX/XX/XXXX and I received final notice on XX/XX/XXXX. The message was supposed to contain a link for me to access, but there was no link. Then on XX/XX/XXXX, I received message that included the link. I was not able to pay the full amount of {$940.00}, but I did make a payment of {$50.00}. I then made a payment of {$25.00} on XX/XX/XXXX. I noticed on XXXX XXXX that the bill had been submitted to the credit bureaus. I reached out to the company and inquired about the bill being submitted even though I was attempting to pay the debt. I received a call back from the supervisor the next day, XX/XX/XXXX around XXXX and she informed me that the bill was submitted because I did not pay on it until XXXX. I told her that I made two payments on the bill and was attempting to pay the debt and asked why was it submitted? I requested that it be removed and she said that it would not be removed until the debt was paid. As of today, XX/XX/XXXX, the debt is now down {$100.00}. 

I then disputed it on XXXX and my dispute was rejected. As I stated I am not disputing the amount, but the fact that it was submitted in the midst of me attempting to repay the debt. I am also questioning why my credit score was affected due to this medical bill-I was under the understanding that I had at least 365 days to pay the debt before it would affect my credit. I have been in good standing with my debts for over 10 years. As I have worked hard to maintain my credit and my debt, I am not perfect and I too have been affected financially by pandemic. 

I am requesting that I have the year/365 days to pay this debt before my credit is affected by this medical debt with any of the credit bureaus. It is showing on my credit report on XXXX that my score has been affected in a decrease of XXXX points. 

Thank you for your time and consideration.
Product: Debt collection

On XX/XX/XXXX I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with PLAZA SERVICES LLC on XX/XX/XXXX showing a balance of {$2200.00}. PLAZA SERVICES LLC failed to respond to my validation letter. The uploaded attachment is the letter that was mailed.
Product: Credit card or prepaid card

Received notice that my feb destiny card was closed and this company fraudulently reported i requested to close it when I never did. Furthermore, they advertise me a card with a higher limit and then tell me bc I had the card I didnt qualify. And dont get me started on their tty overseas reps
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX inquiries on my credit report that I didnt give any authorization or approval to put on my credit report these are the Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

IXXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) : XXXX, has violated my rights. 

XXXXXXXX XXXX ( Original Creditor : 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: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

AVA reported a late payment on my credit report per 15 U.S. Code 1666b - Timing of payments ( 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. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This creditor has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under and open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$880.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$880.00} -This is not my account.
Product: Credit reporting

back on or about XXXX/or XXXX of XXXX XXXX took me to court in lue of {$800.00} in which we agreed that I would pay them off in six months, which I did and to find out that they did n't uphold their end of the agreement by turning my name over to a creditor name Equifax stating that there is a judgement against me which was satifided in XXXX of XXXX, but is still on my credit report.Which should 've been removed and furthermore XXXX XXXX is no longer in business, and was contacted on XXXX XXXX XXXX by BBB. company stated they are out of Business.BBB report on a company that is out of business for three years from the date the company closes its doors or ceases to do business.Why are you as the creditor ( Equifax ) continue to uphold a judgement against me on my credit when I satisfied my debt with XXXX XXXX and I need this judgement removed from my credit and send me something in writing that this matter is settled and removed off my credit, thank you inadvance yours truly XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has on my credit report, me owing them close to {$2500.00} and it is seriously damaging my credit report. I went from about a XXXX to a XXXX because they are saying I am responsible for my debt. The debt belongs to my sister and I was only an authorized user. How am I responsible for this debt and why do I have to pay it? This is unfair and I wish for you to investigate XXXX XXXX because I believe I am being XXXX mailed to pay this debt by damaging my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed 2 disputes to Equifax regarding a collection agency that is reporting medical debts on my credit report. The collection agency is XXXX XXXX  Equifax reported that the debt was verified. I sent a debt validation to XXXX XXXX as well asking them to verify the 4 collections that they reported to Equifax. XXXX XXXX has 4 collections on my credit report from 4 different medical facilities. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 2017,  XXXX XXXX sent me a billing statement with insurance information and codes. The statement on the top has " write off '' on it. The cover sheet sent has my name and correct address, the statements sent does not have my name or address correct. I asked that they verify ALL of the collections they have on my report and they only sent a billing statement from XXXX XXXX which has all the wrong information also they failed to provide me with a Contract bearing my signature or anything verifying that they own the debt and that I agreed to pay a third party collection agency. I then sent another dispute to Equifax who is reporting that these collections were verified.This company is using unethical tactics to collect on debts they can not verify and Equifax is reporting that they verified the debt when they have not. These unverified accounts are damaging my credit and my ability to obtain credit and I would like them deleted immediately. 
The unverified collections that continue to report on my credit file have the following account numbers : XXXX, XXXX, and XXXX
Product: Debt collection

I got notice of this debt via calvary portfolio by mail one time, the paperwork had no information about where this debt came from. I tried resolving this by contacting calvary portfolio directly and they told me that they didn't have any records of the debt at the time which left me in a position to not be able to track down where this is coming from. However, on my credit report calvary portfolio is still showing up as a derogatory collections mark and is hurting my progress trying to rebuild my credit. I have no knowledge of where this debt is coming from or what it could be and its been almost a year or more of this negative mark keeping me from improving my credit score.
Product: Debt collection

My wife and I have received phone calls from nations recovery center in. XXXX georgia # XXXX. A XXXX XXXX asks for someone with a somewhat similar name to my wife 's and also our address and the last XXXX of her social. Even though she has assured him she is not the person he is looking for the calls persist. I asked to speak to a supervised but have not wpreceived a return call to date.
Product: Student loan

In XXXX of XXXX  I made a payment of {$20000.00} to my student loan servicer ( EdFinancial ) to fully pay off my student loans. In XXXX I checked my credit report and it still showed loans through EdFinancial with outstanding balances ( total of {$3900.00} ). When I logged into my EdFinancial account there were loans that still showed balances, but there was also a loan that showed a negative balance due - {$3900.00}. 
When making payments to EdFinancial the default option is to let them automatically allocate the payment based on either highest amount or highest interest rate. I believe I chose amount, but it should not have affected me as this was a full pay-off. 
I attempted twice to email EdFinancial during XXXX, and on the XXXX of XXXX I called their customer service phone number. The estimated wait time was XXXX ( XXXX XXXX and XXXX XXXX ) minutes - over SIX HOURS. 
I do not have the time to wait on hold for 6 hours, on a weekday, to tell EdFinancial about a mistake they made. 
Interest on federal student loans also resumed starting XX/XX/XXXX, and because my payment was not allocated correctly by EdFinancial, I believe that they are charging interest, hence the higher balance owed than is negative on the overpaid loan. 
Along with this EdFinancial changed their website and user system recently, so full payment history and records are not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX is currently showing XXXX late payments on Transunion XXXX for XX/XX/XXXX which I explained to XXXX XXXX XXXX that I did not receive my card in the mail at that time and it shouldn't be reporting as past due and XX/XX/XXXX which I explained that I was affected by XXXX XXXX and this should be Covid protected. XXXX is showing XXXX late payment for XX/XX/XXXX which should be Covid Protected and XXXX is showing XX/XX/XXXX which should be Covid Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of 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 and delivered to the consumer not later than 21 days before payments due date. 15 US Code 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Product: Debt collection

Discover has violated my federally protected consumer rights, 15 usc 1692. On XX/XX/20 I received a voicemail about a debt payment, and XX/XX/20 a representative from Discover called me and attempted to collect a debt using profane and abusive language. Besides these calls there were more and also several emails on XX/XX/20 and after about a debt payment and that they would report my information to credit bureaus without my permission.
Product: Credit card or prepaid card

I have had major Identity theft issue, I had my mail box key stolen from car, and wallet with Drivers license also stolen. 3 fraudulent accounts were opened tour took in care of fairly fast but this third one city group continues to be an issue for me. I have included in this email please report over included two other documents stating fraudulent activity and a letter stating security breach, where they had access to vital information. 
I also have documented/diagnosed XXXX  XXXX which Makes things even harder for me. The other two credit companies immediately closed accounts and took it off my report, City card has done nothing to help ijust giving me numerous threatening calls and threatening letters. I have have perfect credit my whole life no late payments know anything I give you permission to look up this information to prove this. I have a diagnosed/documented XXXX XXXXXXXX and I believe they may be discriminating against me because I dont understand a lot of stuff theyve been sending me Citi Card ending XXXX XXXX
Product: Debt collection

I am not liable for this debt with SOUTHWESXXXX XXXX XXXX and I do not have a contract with SOUTHWEST RECOVERY SER plus they did not provide me with the original application like I asked. 

Account number : XXXX XXXX disputed : {$58.00}
Product: Credit card

I canceled my service with my TV provider correctly in early XXXX. That company charged me in error for another month of service on XXXX/XXXX/XXXX. I contacted the company to complain, and when I did not initially receive an adequate response, I contacted Capital One to initiate a dispute. Capital One credited my account XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, my TV provider also provided a credit. This essentially left me underpaid to that company for my final payment and they sent me billing information. 

On XXXX/XXXX/XXXX, I used a credit card with a different company to pay the TV provider in full. 

On XXXX/XXXX/XXXX, Capital One reconciled statements and realized I had received XXXX credits for the XXXX payment. They added another transaction for the payment to forward to the TV provider. Because the balance owed had been with the TV provider and because it was settled using a different financial institution, Capital One did not need to charge me again. The company did so and then refused to offset the transaction stating that they do not have an option to remove the charge. As a result, Capital One has cost me {$100.00} that they did not provide a service for ( paying the final payment for my TV provider ). The company has refused to make me whole.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$64000.00} ; XXXX XXXX XXXX Balance : {$370000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : -.
Product: Money transfer, virtual currency, or money service

Tried to withdrawl XXXX  currency XX/XX/XXXX & XX/XX/XXXX respectively, blockfi said it would be done by XX/XX/XXXX. Still awaiting with no response from Blockfi.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my XXXX credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Product: Credit reporting or other personal consumer reports

Im reaching out because I found some accounts on my credit report that dont seem accurate. Im asking for these accounts to be investigated and removed from my file : XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent in a FTC report and Police report because I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. My reports also contained some errors pertaining my Personal Information. I am requesting that you promptly delete the addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX XXXX and XXXX PERSONAL INFORMATION : My name is : XXXX XXXX - XXXX : XX/XX/1978 SS # : XXXX ALL OTHER NAME VARIATIONS ARE NOT ACCURATE PLEASE REMOVE : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Name XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX My current and only address is : XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate and/or may belong to family members. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX My current telephone number is : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXXXXXX Balance XXXX {$6500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX