23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was the victim of a scam that resulted in XXXX being stolen from my checking account via XXXX. 

On this same day I went into my local PNC branch to report the scam and ask that they pending transaction be stopped. This was within the hour that the scam happened. I was told that they could not stop the transaction and that I would have to wait until it posted and file a dispute. 

On this same say I also filed a police report with the local police department. I have a case number and copy of report if this needs to be provided. 

On XX/XX/XXXX I contact PNC bank again via telephone to file this dispute. All information was given in regards to this scam including case report number. I was told that I would hear something within 10 days. 

On XX/XX/XXXX I received a letter via mail, stating that my dispute had been denied and I could ask for more information/details on why if needed. I attempted to contact PNC immediately because I do not agree with the decision that was made considering I was a victim of theft by deception. I spoke with a representative and voiced my complaints. I was told that I would need to speak with a manager and that they would have to take my information and someone would need to call me back within XXXX hours. I was not able to speak to someone immediately. 

I received a phone call from XXXX XXXX XXXX on XX/XX/XXXX. I was told that she would no be able to help me. I asked to speak with someone that could. I was told that they dispute department does not speak with customers. My complaint at this point is how did they arrive to their decision if they never spoke to me about what happened. What type of investigation was done on their part? I insisted that I be put in touch with someone such as her boss and that my complaint be escalated. She told me that should would see what she could do and call me back that day. I was also provided with her contact information. I did not receive a call back from her that day. And have not since. 

The weekend was a holiday weekend and the bank was closed on XX/XX/XXXX in observance of XXXX XXXX XXXX. I made an attempt to contact XXXX XXXX on XXXX, XXXX, XXXX and XXXX with message left on voicemail. I still have not received a call back from anyone.
Product: Debt collection

In the month of XXXX, Enhanced Recovery suddenly reported a so called debt on my credit report and never sent me anything prior to reporting giving me the right to dispute the account before reporting it. As soon as the account showed up, I immediately sent a letter requesting validation of this supposed debt and I sent the letter certified. The letter was mailed in XXXX and still to this date, I 've yet to receive a response but the account remains on my credit profile.
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX XXXX all three credit bureaus four times now regarding the repeated charge-offs reporting on my account.

I have also found more inaccurate and a violation of the FCRA on my report. According to the FCRA these companies violate these code below.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Obligates furnishers of information ( such as creditors ) to report accurate information.

15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to ensure maximum accuracy.

15 U.S.C. 1681c : Imposes limits on how long negative information can be reported ( e.g., 7 years for charge-offs ).

15 U.S.C. 1681i : Governs the dispute process and requires CRAs to investigate disputes.

15 U.S.C. 1681n : Provides for statutory and punitive damages for willful violations of the FCRA.

26 U.S.C. 6050P : Governs how canceled debts must be reported to the IRS and indirectly affects credit reporting practices.
Product: Vehicle loan or lease

My complaint is with Hyundai Motor Finance XXXX. My account number is XXXX. 

They sent me a notice in XXXX, 2020 that said " Effective no earlier than XX/XX/2020 we will be UPDATING how we apply payments received towards your billed balances ''. 

So, if you have an unpaid late charge of {$15.00} and you send in your next payment " on time '' they first deduct the past due late charge from that payment, which leaves only a partial payment being paid and that results in ANOTHER late charge. So you now have a late charge for every month going forward, until you clear up that initial late charge ... ... 4 months is {$61.00} and change, all because you made ONE payment several days late. 

They are acting as though this is their right, but they sent a NOTICE in XX/XX/2020, that was NOT agreed to in the initial contract that I signed at lease inception. 

This practice is much like when the banks would pay the largest check first on an account with insufficient funds, so as to create more overdraft charges than necessary, until a stop was put to that unfair practice. Now they must start with the smallest check and work up. 

Not that it matters, BUT this is the fourth car I have leased from this company and I think this is ridiculous! 

This is abusive and predatory!
Product: Debt collection

Original Creditor is XXXX, XXXX, then it was sold to Cach , LLC and now Fresh View Solutions has the account XXXX. This is not my loan, I have a police report and a fraud affidavit I sent numerous times to all XXXX companies. I have also sent XXXX information on this too and they are still reporting XXXX on my credit report. This is not fair that I have provided the information and I am still be punished for something I never received.
Product: Debt collection

My social security number is attached to medical debt across all 3 bureas from XXXX XXXX XXXX and is a violation of my HIPPA rights. Ive reached out and I have been unable to get any proof of debt owed but because it will be a violation Ive been unsuccessful although its listed on all my credit reports.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rightsto privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My next loan payment is due on XX/XX/XXXX. I set up XXXX  payments on XX/XX/XXXX and XX/XX/XXXX, which is my scheduled payroll dates. Rocket Mortgage attempted to draft my bank account on XX/XX/XXXX. I didnt authorize this payment. They charged me a {$30.00} NSF fee. My bank confirmed on XX/XX/XXXX that Rocket Mortgage attempted the payment on XX/XX/XXXX instead of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Statement of Fact : XXXX found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
( JEFFCAPSYS ) Account # XXXX and ( XXXX  ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by ( JEFFCAPSYS ) Account # XXXX and ( XXXX ) Account # XXXX is causing harm to my credit All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Debt collection

I have sent documents to Midland Credit Management telling them I don't owe the alleged debt and they keep harassing me by sending me letters in the mail and calling my phone saying I owe. I don't know what is going on right now. They keep saying I owe {$13000.00} and they are falsely reporting to the credit bureaus. XXXX and XXXX show {$13000.00}. I am so confused This corporation has violated the CFPA and FDCPA before. 

Midland Credit Management , IncXXXX ; and Asset Acceptance Capital Corp . The companies are headquartered in XXXX XXXX, California and together comprise the largest debt collector and debt buyer in the United States, with annual revenue exceeding {$1.00} billion and annual net income exceeding {$75.00} million. Encore and its subsidiaries are currently subject to a XXXX consent order with the Bureau based on the Bureaus previous findings that they violated the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair Credit Reporting Act. The Bureau alleged that Encore and its subsidiaries have violated the terms of this consent order and again violated the FDCPA and CFPA. On XX/XX/XXXX, the court entered a stipulated final judgment and order that requires Encore and its subsidiaries to pay {$79000.00} in redress to consumers and a {$15.00} XXXX civil money penalty
Product: Credit reporting or other personal consumer reports

I definitely disagree with the account listed below which still appears on my my credit report, definitely after your investigation. The investigation could not have been properly done. I would like this account re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTOR BUSSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should be held accountable for their failure to notify customers in a timely fashion that all their personal information has been compromised. 

Individuals impacted should receive a copy of their credit report immediately, free lifetime credit monitoring, and aCcounts should be frozen. 

I attempted to get my credit report from annual credit report, but the EQUIFAX system continues to fail. It 's bad enough that Equifax waited to tell everyone that the system was compromised and personal info stolen, but it 's made worse when you ca n't get a copy of your credit report to find out if someone has fraudulently started using your name and SSN. The site just crashes over and over. Then you type in your information and the system tells you that you are part of the system hack and your information has been stolen, but you ca n't sign up to do anything because the system is down ...
Product: Credit reporting or other personal consumer reports

Experian has an out-of-date phone number for my account, and an e-mail address that has been hacked ( and so I closed it ). Address is also out of date. I am able to log in, but can not change any of this information. When I try to change the e-mail the robot wants to call me ( it has wrong phone number ). When I try to change the phone number the robot wants to send verification to my email ( also wrong ). 

Again for emphasis : the e-mail that Experian has on file has been hacked. 

I called every phone number I could find for Experian ; they all give you the same robot. The robot literally hangs up on me. When I state the real problem it doesn't understand. When I use any of the options it gives me ( and I tried several ), it points me to online support information. I can't get a human being no matter what I do. 

The online support says I should write a letter to them, and include my name, social security number, address for the last two years, phone, email, etc etc ... ..more information than any sane human would send by mail. 

I didn't ask Experian to collect all that very sensitive data on me, I would rather they didn't have it, as they are incompetent. I am unable to do anything about that. But I really do insist that they protect my data much, much better. It should be a very simple thing to restore security to my account ; instead it is proving to be impossible.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX, XXXX and Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify is accurate. XXXX XXXX Account # XXXX Open XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act -- -- XXXX  XXXX Bankruptcy acct # XXXX XXXX XXXX Bankruptcy acct # XXXX ; XXXX XXXX acct # XXXX ; XXXX XXXX acct # XXXX ; XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX ( This account is not mine ) XXXX XXXX XXXX  acct XXXX XXXX Have violated my rights. 15 U.S. Code 1681 Section 602 A states I have a right to privacy ; 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account information without my written instructions
Product: Credit card or prepaid card

I noticed on XX/XX/2018 that my checking account had - {$49.00} and that the reason for this was because the credit card company deducted the full ( {$670.00} ) credit card statement from my checking account instead of the minimum amount ( which I had set up to be deducted monthly using auto pay ). I immediately called the credit card company the same day to reverse this payment, which they said they wouldn't be able to do until the payment was out of " pending ''. Once the payment went through on XX/XX/2018 I called again because the funds still were not transferred back into my account, to which they said, it would be one more week until that would happen. I asked if there were any way to speed that process up. They told me the funds would go back into my account within one to two days if I faxed them a screen shot of my bank statement showing the {$670.00} that was deducted with my accounting and routing numbers attached. I sent them this information the same day. I called again, Saturday XX/XX/2018, because it had been three days since I last called and the funds were still not in my account. They told me they would not be able to begin the investigation process until the following Monday because they are not operational on weekends. I called back Monday, XX/XX/2018 to see If they had started to correct the issue. The supervisor told me it would take up to five days from XX/XX/2018 until the payment would be transferred back into my account. That was today and is the reason for my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

What is wrong with all of you? 

When XXXX thing is corrected on my XXXX account more false information is submitted by XXXX. 

There seems to be no credibility in the XXXX XXXX XXXX  reporting. 

XXXX is corrupt. 

How many times do I have to continue to report XXXX 's false information reporting to the XXXX Credit Bureaus? 

The student loan payments are current! XXXX has the correct information. Stop reporting the payment status on any month of any year is unknown. That is a XXXX lie. 

Stop reporting false information on my credit report and make XXXX report the truth! 

XXXX know the truth! 

See attached
Product: Debt collection

After sending a letter of debt validation to Portfolio Recovery, I received a response letter that did not include any documentation that confirms that I am responsible for the debt. It did not include an original contract, personal identification, signatures, or any other verifiable documents. The response only included a billing statement. In. addition to a supervisor admitting on a recorded line that they did not send initially send the necessary documents, thus putting them outside of the allotted 30 days to respond. This is a direct violation of my rights under the FCRA Law. Therefore, I want Portfolio recovery to IMMEDIATELY stop reporting these accounts to XXXX, XXXX, and XXXX. In addition to removing all previous incorrect reports/information from previous months. 

Account XXXX
Product: Debt collection

I sent a debt validation letter on XX/XX/scrub>XX/XX/2024. Argon agency responded and stated the debt was validated. 
I sent a method of verification letter on XX/XX/2024 and have not received any communication since. It has been well over the 30 days given on the letter.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX XXXX XXXX and in XXXX XXXX  items appeared on my credit report that did not belong to me and I tried to remove them which did not happen, later I found out Im a victim of the Equifax credit breach.
Product: Debt collection

Date * XX/XX/2023 Date * XX/XX/2023 Date * XX/XX/2023 Date * XX/XX/2023 Date * XX/XX/202XXXX XXXX has all these dates documented along with the collection comppany I have repeatedly asked them to send me prof of who used my information and they have failed to send me the information
Product: Debt collection

Received a text XXXX at XXXXXXXX XXXX. from " PFC, a dept collector '' It said : You have an owing balance for XXXX XXXXXXXX XXXX XXXX that is not on a pay plan. Call XXXX or visit XXXXXXXX XXXX XXXXpfcpayXXXX XXXX for payment options. To opt out reply STOP '' I called the number. I told them I received the text. I was when I received the text, the file number in the text ( there wasn't one ) and asked my name and phone number ( which they obviously had my phone number because they texted me ). Then asked my po box . 

Note that the wording in the text ( " You have an owing balance '' and " that is not on a pay plan '' ) don't sound professional or like a native XXXX speaker. 

I repeatedly asked what the date of service was for the balance in question. The person continued to try to keep me on the line by saying things like " Let me check one more thing '' and " Oh wait I'm accessing the file now '' but would not answer my question. When I asked it louder ( the final time ), the person said they could not give me any details. I hung up. 

I have state-sponsored insurance that covers XXXX 

What concerns me is that XXXX XXXXXXXX XXXX the company that provides XXXX XXXX for me. How did this company get my phone number? Also, this could be an attempt to record my voice and use for nefarious purposes.
Product: Debt collection

Lotane and associate XXXX XXXX XXXX XXXX XXXX Is trying to collect a debit that i did not sign or approve to them to have acces to my medical records. I ask them for a validation letter .they send me procedure names and dates that have done at the hospital. That is a hippa violation.