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

On XX/XX/2019 at approximately XXXX XXXX EST, I awoke to an email alert, timestamped XXXX am, on my phone and it stated my account was over drawn. I immediately checked my account through online and mobile banking. I was surprised to see an ACH debit I forgot about did in fact overdraft by {$10.00} usd. I also saw that I was charged the overdraft fee of {$36.00}. I am set up for account alerts so I was shocked to see as soon as I was in receipt of the alert the fee was already assessed. I contacted PNC Bank customer service and expressed my concerns but was told by the representative " it looks like the fee was properly assessed. Me personally, I don't use those alerts. I use xyz alerts. They are in real time. '' She informed me there was nothing she could do about the situation. I asked to speak with a supervisor. She said she could take my number and a manager would call me another time to discuss ways to avoid this in the future. I told her that was unacceptable and I would like to speak with someone at the present time. I was put on hold for a few minutes. The manager came on and said the alert is not in real time and there are a  different set of alerts to sign up for that are in real time. He said " I see you have online/mobile banking so you can check your account at anytime. '' I'm not sure what this had to do with my situation. He said the account is processed at XXXX and that is when the account actually shows overdrawn and the fee is assessed at that time and the alert is emailed after the fact. I asked him " If the card was not physically used by the customer what reason would you have to just assume your account needed attention. '' Bottom line is that neither the representative nor the manager even attempted to assist with the situation. I am really considering closing all accounts and cutting all association with this institution. If you are told setting up banking alerts are a great option so you do and later when an issue happens you are told you should have signed up for another specific set of alerts just does not seem like you are concerned with customer service nor satisfaction.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX  XXXX Inquiries : XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Consumer Loan

I have had a Best Buy credit card since XXXX XXXX and have always had an excellent payment history. Over the years, I have spent XXXX dollars at Best Buy. 

In XXXX XXXX, I paid off my balance of {$10000.00}. In XXXX XXXX, XXXX XXXX renewed a protection plan for a computer we no longer have and that I was unaware was being charged. Since my Best Buy account was paid off, I had n't received a statement in months, and had in the meantime changed my email. So I was not receiving notices sent to the old email. We received automated calls from Citi, but as there was never a person on the line, we assumed they were another sales call. 

I did n't become aware of these charges until Apr XXXX when checking my credit report. By this time, with several months of late fees added, my balance was {$170.00}! I was sure that having been an excellent long-time customer of Best Buy, I would have no problem having these changes reversed once it was explained that I never received any of these statements. I was told by Citi to contact the XXXX to have their charge reversed, then they would review late charges. When I contacted the XXXX, the rep said she could n't reverse the charge, and she was extremely unhelpful. Despite repeated requests, she refused to let me speak to a manager or anyone else who might be able to authorize having these charges reversed. Even though I was upset with the way I had been treated, I decided to go ahead and pay the charges so as to keep my Best Buy account as well as to protect my credit rating. Within a day or so when I was able to go online to make a payment, I found that my account had been closed. I was never informed that this was happening. I have enclosed attachments showing the statements in regard to the above figures. 

I have been an excellent Best Buy customer for years and am very upset and shocked at the unfair treatment I received from Best Buy. It is unbelievable to me that they would be willing to lose such a good customer over {$32.00}! This has had a very negative impact on my credit rating. I am hoping that you will review the circumstances surrounding this incident as well as my previous record with Best Buy. I am hoping, at the very least, to have this record removed from my credit report. 

Thank you.
Product: Vehicle loan or lease

I have provided my invoices as documentation and evidence of the type of practices I have experienced with the company, Quallity Acceptance. The explanations given about the practices did not make practical sense and I've had several attorneys and car dealerships to review the invoices to see if they could surmise what the company was doing with the extra payments that I was making on the loan ; none of them come explain or follow the process. If you look closely at the Account Activity - Overage/Shortage ( in the center of the invoice ) and the Due Dates ( at the top right ) ; this was alarming to me and I called three to four times for an explanation ; again their responses did not make practical sense in terms of how they applied my second payment each month. 

You will notice a change in the " contracted '' amount of {$470.00} ; it changed to {$540.00} and their explanation was that it is how they will " catch me up '' on the payments being applied to the account. I called and asked for an amortization schedule approximately 5 months ago and to date I have not received one ; this would have been the second I would have received. Also, how does a company automatically change the contracted amount on an installment loan without redoing a contract? 

My latest statement has a due date of XXXX, 2022 and the Overage/Shortage is now {$23.00} or so when it was showing as a negative amount upwards of {$300.00} or more which reflects the additional amounts I made monthly. As a consumer, I am quite upset with the answers and processes that I see occurring. 

I printed out all the documents and attached them to the complaint.. 
Thank you for any assistance that you can provide in this matter ; I really appreciate it.
Product: Debt collection

The Receivable Management Services LLC ( RMS ) is a third party debt collector who was contacted by XXXX XXXX XXXX XXXX to collect a debt. Which is a violation of 15 USC 1692c.I I started a vehicle insurance policy on XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX I got a collection notice from RMS on XX/XX/2020 threatening to report negatively on my credit report, which is a violation of 15 USC 1692d ( 2 ). I did not know I could dispute the debt. I paid this debt off on XX/XX/2020. This is on my credit report as a collection/charge-off.
Product: Credit reporting, credit repair services, or other personal consumer reports

The derogatory credit shows on my report. The account is paid in full.
Product: Debt collection

XXXX Experian I file a dispute with Experian or the following XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX ACCT ; XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX ACCT ; XXXX XXXX XXXX XXXX AND THEY FAILED TO REINVESTGATE THE DISPUTES
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I was sick in the XXXX  and my family got kicked out of our home and had to find a new place within days and with myself hospitalized it was nearly impossible specially considering I had no income and currently wasn't working. I am a XXXX  mom of XXXX kids and no one would help me, I couldn't find a loan until I came across XXXX, I felt so rushed in having to fill out paperwork with a XXXX things going and not feeling good I just signed my name and didn't think twice about the interest rate because on the phone they said I would only encounter the normal fees for taking the loan out which they said was XXXX and the guy told me since my tax return was coming in I told him my plan would be to pay it off and he agreed and said yes you can pay off any amount on the loan even all .yet on XX/XX/XXXX I paid XXXX and only XXXX was applied to my loan and on the statement it does not show any interest they charged me and yet on XX/XX/XXXX I tried to pay XXXX thinking that my loan was for XXXX and was sent a statement in XXXX saying my balance was XXXX estimated before the first payment was paid on XX/XX/XXXX. But the website kept saying I've exceeded the monthly amount when I tried to pay XXXX so I kept lowering it until I got to XXXX which I paid and then got a statement with a new balance of XXXX so if it was XXXX prior and just paid XXXX that should be XXXX but it was XXXX again with no interest amount next to interest and nothing for any late days money collected XXXX. So how can they explain where this remaining amount went?? They couldn't when I called they said XXXX month that it went to interest for that month. How the heck can they legally charge me XXXX in XXXX month for interest? It made me cry because just in XXXX I went in and bought this car that they now have the title for and paid cash for it because I couldn't afford a car loan monthly. Then I found out their interest every year is XXXX percent and Washington has a cap on interest so how can they get away with robbing me. On the amount they want to collect from me is XXXX dollars on a XXXX loan, they mislead me on the phone and I feel like they took advantage of me for not knowing how any of that works not having done a loan before. Heard there was a lawsuit In California for same issue .what can I do?
Product: Vehicle loan or lease

Opened a used car loan. Moved to XXXX az in XXXX. Made every payment ontime until XX/XX/XXXX. Car broke. And I could not fix. Am a single mother with XXXX children at the time. Had to voluntarily return car. I knew this would affect my credit report. However. For 6 years it showed XXXX balance paid in full and account was showing closed showing as a charge off. I was very confused by this. Then in XX/XX/XXXX the company began reporting derogatory showing a sudden balance account open account in repossession and a negative payment history. Disputed several times with credit agencies Never was i communicated with by this company. Never was an effort made to settle debt. Never was any information given about the car being sold and the remainder i would owe. Just suddenly derogatry reporting. And every month it would changes different aspects of the item. All this drastically affected my score. Where as had they reported honestly and appropriately from the begining my score would have been affected in a less devastating manner. Then the continuous negative and inaccurate changes every month continued to harm my score. How can a report go from closed to open to chargeoff to in repossession and around again changing. Affecting my score. Now says settled. All this not ever once contacting me. How was this settled and why was this changed over and over again? 
Is this fraudulent can a company be allowed to 1 not communicate an attempt to collect a debt 2 continuous changing of balance and status and history?
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$31000.00}
Product: Credit card

A couple of months ago I called Citibank to make a credit card payment over the phone. The agent would not accept my credit card payment. Instead, he told me there were several fraudulent transactions on my credit card account and that I would be receiving a new credit card. The company never sent the new credit cards, and they closed the accounts demanding money and trying to ruin my credit.
Product: Credit reporting or other personal consumer reports

DEPT ED NELNET XX/XX/year> {$4300.00} ; {$1900.00} ; {$1900.00} ; {$1300.00} ; {$1300.00} ; {$1200.00} The original instrument of indebtedness in its original form. There is no original contract or no original ink signature.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXXXXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. 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 und the following circumstances and no other : ( XXXX ) 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 ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

I received a 1099-C for an Involuntary Repossession a year and a half after filing my XXXX Federal Income Tax Return. The IRS stated that I owed for not reporting additional income. 

The 1099-C was reported as my income and thus the automobile loan was charged off. The item still shows on my credit reports, and this should not be the case any longer. I had to go on a payment plan with the IRS- to ultimately having my XXXX tax refund garnished to pay back {$3700.00}. 

Please assist here.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX This company has reported 90 day late payments on my credit file. My student loans are deferred. This company has reported this to all credit bureaus and it has had an adverse effect on my credit file. I am requesting for XXXX to update all three credit bureaus with 90 day late payment removal
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax and XXXX are reporting inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

The following is a fraudulent account on my credit report that is not mine : XXXX XXXX XXXX XXXX account # XXXX. 
The following address is not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, & XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. 
I been a victim of identity theft and a few credit accounts were open that I did not authorized. I was able to get the other accounts deleted by working with the credit bureaus and the company who were reporting the fraudulent items. But for the past 2 years and have not gotten any resolution with the above mention item. Today I spoke with a representative named XXXX at XXXX XXXX XXXXXXXX XXXX who said all she can do is mail me a document on how to get this matter resolved, which they supposedly sent it to me every time I contacted them but I never receive them because they're sending it to the address registered to the fraudulent account. This is extremely frustrating, please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020, i notice some inaccurate and incomplete items on my credit reports from XXXX, EQUIFAX, AND XXXX. So on the XXXX of XXXX, i disputed the items with the 3 companies and has attached copies below of the letters that i responded and hasn't heard anything back from neither of them.i also wanted my address updated because they are reporting inaccurate addresses as well
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. He made copies of my social security card, driver 's license, and birth certificate during his stay. He proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire he started but he has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as he is nowhere to be found. 

I sent this letter once time prior ; I would really appreciate putting all this behind me and continuing the recovery process. I can't do that if these accounts, that I've reported to the police and the FTC, are still showing up on my credit report. 

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I have once again provided the information regarding the account in question : XXXX XXXX  XXXX Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$1900.00} XXXX XXXX XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$310.00} XXXX XXXX XXXX Acct # : XXXX Open Date : XX/XX/XXXX Amount : {$63.00} INQUIRIES XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX I dont recognize these accounts. I did not authorize these and because of an evil roommate, I have to suffer for his terrible actions. These accounts were not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to TransUnion, as proof from the US Federal Trade Commission that the account mentioned above is the result of identity theft and fraud.
Product: Checking or savings account

Was contacted said I was approved for loan they ask for a banking information.. and I gave it not realizing what was happening they sent 2 deposit was told to buy target cards .. person said it was to prove who I was verification process they went into my account filed 5 disputes from my bill pay .. my bank credit it back to me I had no idea what was happening until later I was told to sent all the $ $ cash to po box out of state .. now Im left owing my bank XXXX I did report it to bank in the process of solving it.. I was scammed and didnt realize until my daughter did research .. from XXXX  XXXX.. I got all emails