23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a credit card which I paid in full on XX/XX/2024 via phone, at PNC bank, from my debit card for the FULL AMOUNT {$12.00}, XXXX that was communicated to me via the phone when I made payment. The payment was paid on XX/XX/2024. My expectation was to receive a statement with previous balance = {$12.00}, XXXX Total payments received = {$12.00}, XXXX Credits = {$0.00} Purchases = {$0.00} Cash Advances = {$0.00} Fees chargeXXXX = {$0.00} Interest charged = {$0.00} However I received a statement with an interest amount to pay {$45.00}. When I called they told me that this is from that cash advance I made. I have no other account with PNC bank. This amount was not disclosed in the balanced when I paid off the balance. The representative stayed away for almost 7 minutes before returning to the phone after I disputed this cost, telling me it was not charged in the balance. I paid it because I have never ever been in bad credit or pay my bills. However I want PNC Bank to correct this as it was not disclosed that any transfer interest will be changed and is not included in the balance pay-off stated on a day of payment. Customers can not get these surprises after the fact. This occurred today XX/XX/2024 on my visa signature - credit card, when I called to find out what this extra interest was. 
1. When PNC BANK payment calls says on the call " this is your outstanding balance ... ' it is not true. There are hidden costs that are not disclosed as any further interests that need to paid. YOU will get a bill with extra charges. 

Regards XXXX XXXX XXXX XXXX XXXX
Product: Credit card

My complaint ID XXXX Ally credit card company has acted reprehensibly. They are being accused of scam-like behavior by providing the consumer 's card information for dispute resolution over three months, then wrongly shifting the responsibility to the consumer to resolve the issue themselves. Furthermore, they compounded this by unfairly charging late fees and interest to the consumer. I request a thorough investigation into this unethical credit card company.
Product: Credit card

Citi is issuing a XXXX brand VISA credit card to replace an XXXX XXXX XXXX credit card. I was not asked if I wanted the Citi VISA card or given an opportunity to opt out, either by XXXX or Citi. Citi ran a credit report without my permission and as a result, my XXXX score plummeted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 items 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 XXXX, CA XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX CO XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I submitted a request to both Experian and XXXX  requesting that they remove inaccuracies from my credit file with them. The credit file shows the following " Public records concern legal matters associated with you and are gathered from courts and government agencies. '' and that the " US BKPT CT NY XXXX '' shows a " Bankruptcy chapter XXXX-discharge. '' However, per the bankruptcy courts, they do not report such information to the credit bureaus. XXXX has already done the right thing and removed this inaccuracy from my file so i dont understand why XXXX  and experian continue to harm my ability to obtain credit. 

All I request is they remove these items from my report immediately as this is inaccurate per the reasons stated above.
Product: Credit reporting or other personal consumer reports

this is for the account listed on the transunion credit file " XXXXXXXX XXXX XXXX XXXX  with the balance being reported as " {$2300.00} '' this account is firstly being misrepresented, secondly is being inaccurately reported, and lastly the missed payments alone have amass close to {$59000.00} in violations. the fourth issue with this account is the fact that it has been changed off for a few years now meaning the have gotten paid by the Internal revenue service and are still attempting to double dip. pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX each carrying a violation of XXXX just for the misrepresentation of the debt and the missed payments that are still being reported on this credit file. amount to about {$60000.00} in violation which any district court would open and closed the case without thinking twice on the matter. When speaking not the matter of inaccurate credit history, this account no longer reports to XXXX, because it was deemed inaccurate due to a date breach, and just plain out fraud. Now due to defamation and willful injury, this case law further supports the allegation that I am making in this complaint, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXXXXXX XXXX the damages are said to be to the extent of the damages incurred by the wronged party as deemed by the courts, which can and will add up to be similar to the first charges close to the tune of {$60000.00}. without continue to provide the case law for the other allegations, this is already a {$120000.00} case between defamation and willful injury I am certain the district court will rule in may favor.
Product: Debt collection

IMMEDIATELY WHEN I FOUND THAT MY CREDIT WAS BEING ILLEGALLY USED, I CONTACTED THE CREDIT BUREAUS TO HELP ME WITH THIS ON XX/XX/2019. THEY PROMISED TO INFORM ALL CREDITORS OF MY SITUATION. MIDWEST RECOVERY IS THE ONLY COLLECTOR WHO HAS FAILED TO RESPOND TO THIS URGENT MATTER. I HAVE CONTACTED THEM BY LETTERS AND BY PHONE REQUESTING REMOVAL OF THE FRAUDULENT ACCOUNTS AND HAVE BEEN IGNORED. ON XX/XX/2019 I SPOKE WITH XXXX XXXX IN MANAGEMENT AND SHE FAILED TO COMPLY WITH FCRA AND HIPPA LAWS AFTER THE MATTER WAS BROUGHT TO HER ATTENTION. MIDWEST RECOVERY IS IN VIOLATION OF FCRA 617,616,621,615,623A ( B ) ( 2 ) AND SECTION 605b OF FCRA LAW. TO MY UNDERSTANDING THEY SHALL BE SUED BY, FTC OR CONSUMERS FOR THESES VIOLATIONS FOR {$3900.00} PER INSTANCE. I DO NOT OWE MIDWEST RECOVERY ANY DEBT. MIDWEST RECOVERY HAS NO CONTRACT FOR DEBT WITH ME AND HAVE BEEN NOTIFIED AS TO WHAT THE BEST PROCEDURE FOR IDENTITY THEFT BUT REFUSED TO COMPLY WITH HIPPA/FCRA/FTC LAWS.
Product: Debt collection

This letter is regarding account # XXXX, which you claim I owe {$150.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Debt collection

Account name Account number Original creditor Company sold Account type Date opened Status Status updated ONLINE INFORMATION SER XXXX XXXX XXXX  XXXX  - Collection XXXX XXXX XXXX  Creditor can not locate individual. {$1900.00} past due as of XX/XX/XXXX. XX/XX/XXXX Account name Account number Original creditor Company sold Account type Date opened Status Status updated XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  Collection account. {$500.00} past due as of XX/XX/XXXX. XX/XX/XXXX Account name Account number Original creditor Company sold Account type Date opened Status Status updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XX/XX/XXXX Collection account. {$2900.00} past due as of XXXX XXXX XX/XX/XXXX Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Under penalty of perjury, I swear this account is false and misleading Inaccurate reporting have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Debt collection

I have screenshots showing several calls they have made to me before XXXX harassing me. They have called me before XXXX on XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquires, XXXX XXXX XXXX XXXX XXXX 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 never late sent XXXX, XXXX to creditor to credit bureaus XX/XX/2021 Dear Sir, I gotten the results of your investigation and have new material to add. I have been in touch with the creditors and had them update their data. I have been on the phone for the past five days trying to get to the end of this. Please discard these glitches and send me an updated copy of my credit file.
Product: Credit reporting or other personal consumer reports

There are discrepancies on my credit report that should not be there, and I have no association with the accounts listed. This situation is not only unjust but also deeply troubling. As outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to a correct and fair credit report, and these inaccuracies must be rectified. I demand a thorough investigation and the immediate correction of these errors. If this issue is not resolved promptly, I will have no choice but to pursue legal action to protect my rights.
Product: Debt collection

I had a repair performed on my vehicle at XXXX XXXX XXXX on XX/XX/18 and had a balance due of {$830.00} for this work. I was not aware of the balance, since I never received an invoice from XXXX. I became aware after receiving a debt collection notice from XXXX XXXX at Credit Counsel Inc. on XX/XX/18for {$920.00}. I spoke to the management at XXXX  to let them know that I never received an invoice, which would have alerted me to pay and I was disappointed that they sent the bill to collection without even letting me know. They agreed that an error was made and they were supposed to invoice me but never did so due to an oversight. I promptly paid the outstanding balance due to them, which was {$830.00} in person on XX/XX/18. I was assured by XXXX that I no longer owed them any money and that the debt collector will no longer be contacting me for payment. I received a receipt from XXXX, showing the payment made and that the balance on my account is {$0.00}. However, I have received additional correspondence after payment was made from Credit Counsel on XX/XX/18 requesting payment for {$86.00} even though I do not owe this money, as I already paid my debt and resolved the issue with the creditor.

Further, the balance that Credit Counsel Inc. is stating I owe increases with each notice I receive. The initial notice received on XX/XX/18 is {$910.00} which includes {$83.00} in excess of the balance owed to XXXX. An email received on XX/XX/18 indicates I owe {$920.00} ( {$85.00} in excess of the balance owed ). I paid off the debt on XX/XX/18, and received another notice on XX/XX/18 for a total of {$86.00}. When I inquired why this excess amount is owed from Credit Counsel Inc, an explanation or details supporting the claim could not be provided and they only sent the invoice of {$830.00} from XXXX. I also inquired of XXXX on why the amount being charged by the debt collector is higher than the amount owed and the manager, XXXX XXXX, at the XXXX  stated that it is not in accordance with their contract for Credit Counsel to charge more than the {$830.00}, since Credit Counsel receives a fee as revenue from the amount collected from the debt.
Product: Debt collection

I have called the US Dept of Education regarding XXXX inaccurate reporting student loan payments. During the CARES act, collecting student loan was not reported to credit agencies. This agency reported XXXX missed payments and caused my credit score to drop. I requested information and they said it has not reported that way which is not true. I have called 4 times and they will not fix this. I am applying for a home and this is negatively affecting my score
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX - I received notification of an account entering collection by XXXX XXXX. I canceled service in XXXX after getting XXXX and was not notified an outstanding balance. 

On XX/XX/XXXX, I called XXXX, disputed the debt as inaccurate and called XXXX who corrected the billing on my account, acknowledge that an attempt to collect was never made. I paid the balance as agreed and I was told XXXX would recall the debt I filed an initial complaint on XX/XX/XXXX I heard nothing for days. I called XXXX on XX/XX/XXXX who advised to wait for a response and that it appear paid in full on the credit. 


On XX/XX/XXXX, XXXX XXXX XXXX services responded saying that it will remain on my report despite assurances from XXXX staff that it will be removed. 

Again, I was never notified of an outstanding balance nor was properly notified of an account that was being sent to collections.
Product: Debt collection

I lost my wallet on the XXXX or XXXX XX/XX/2021 at a Gas Station in the XXXX XXXX XXXX XXXX, CA ( in my wallet there was CAC, My driver license, SSN cards, 1 GTCC, 2 debit cards and 1 credit card ) and notice several fraudulent transactions occurring with the lost debit and credit cards. Later I found out there are identity thief actions going on using my Identities including open bank account XXXX XXXX XXXX XXXX, American express ) attempt to loan the money from the bank. I started report to let the bank know that this is going on, all figured out but only AMEX denied my disputed and they believed that I am the one created the account and use up to {$1800.00}. I have 2 police reports from the XXXX XXXX XXXX XXXX and couples of FTC reports. I need help, I am the victim of identity theft. Whatever evidence that you need please ask so I can prove that I have nothing to do with American Express Credit charged ( {$1800.00} ).
Product: Mortgage

I have been trying to work with the mortgage to resolve this matte for some time but they went into forclosure without due process. 
I would like to pay with a negotiable instrument which within my legal rights. The bank is denying my right to pay through a negotiable instrument/Tender of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( aka Bayview Loan Servicing ) has inaccurately reported to the credit agencies on a Real Estate Loan Account. It is inaccurate in 2 parts of the report. 
1. Bayview has been incorrectly reporting 120 days late from XXXX XXXX XXXX XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the last date to report as 120 days late to be XXXX XXXX. 
2. Bayview has been incorrectly reporting loan closed / terminated as of XXXX XXXX, XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the loan closed / terminated as of XXXX XXXX. 
3. XXXX XXXX, XXXX, XXXX XXXX XXXX sent me an Escrow account statement letter detailing fund distribution from XXXX XXXX - XXXX XXXX in the amount of {$13000.00} and funds received of {$2200.00}. 
a. This property was foreclosed in XXXX XXXX b. I did not make any payments to XXXX XXXX XXXX, ever. 
c. When I called to get more information, they claimed I am in bankruptcy and they can not discuss my account without my attorney present. 
* I have never nor am in the process of filing bankruptcy. 
XXXX My attorney did not file nor address bankruptcy in any call, letter or document when attempting to contact XXXX XXXX XXXX on my behalf. 
d. The representative at Bayview said they would contact my attorney and get back to me. I have not heard back in over a week. 

Prior to the XXXX XXXX letter, I have made multiple attempts to have this inaccurate information corrected by XXXX XXXX XXXX since XXXX XXXX, with no resolution. I have furthermore sent the same letter and supporting documentation to the 3 credit bureaus in a dispute. Only XXXX  and XXXX have corrected their reports, although XXXX acknowledged the dispute, it has not made any correction. I have also enlisted the help of an attorney to have this corrected and he has not been able to gain any response from XXXX 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 items in my credit file that do not belong to me, or that I have signed any agreement. The items 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 XXXX, AL XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$5800.00} XXXX XXXX  Bankruptcy Discharged Reference # : XXXX XXXX XXXX Bankruptcy Discharged Reference # : XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach in which Equifax has done nothing.
Product: Credit reporting or other personal consumer reports

Object : BARCLAYS Financing Mastercard I paid their residual balance in full of {$700.00} after they improperly reported my account as delinquent twice. When I made the phone call sometime in XX/XX/2023 and ask them about my total remaining balance and I paid the whole amount at once and I told them to go ahead and close my account permanently. Hence, after permanently closing my account and praying my final balance in full, BARCLAYS FINANCING MASTERCARD falsely generates another charge of {$52.00} in way interest charges which also got reported as delinquent. 

However, they abused their reporting power and now my credit score shows 2 delinquent reportings from BARCLAYS FINANCING. I have been a client with them over five years and never have any issue. 

I am victim of false reporting from BARCLAYS FINANCING because of false reporting and unjust reporting.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 items 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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