23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To whom it may concern I am XXXX XXXX XXXX, XXXX and I have a small family dental office on the Northside of town. I would like to tell you about an interesting experience I am having with a well-known bank. In XXXX of 2021, I started a business credit card account with XXXX. Immediately, I started to have issues with the account and the processing of payments and credits to account. In XXXX, I called in to make my payment, the payment amount I requested was not the amount taken and it left the account with a huge balance to be carried on to the next month. I did not like this and complained because of course interest is accrued in that time. I called in and made my XXXX payment around XX/XX/XXXX ; this is where things go completely off the rail for the account. XXXX held my payment for over 20 days until XX/XX/XXXX before the money would be credited, then inexplicably XXXX claimed to have returned the payment. They did not give a reason the payment was returned ; they actually have not returned my money. The money has been misapplied to an account and now they can not find it. My money just vanished into thin air. I have not been informed of fraud nor cyber theft. XXXX is now PNC BANK and PNC has now placed my account in a revoked status and still seem to not care. They seem to not care and treated me like someone who does want to pay their bills when I went into the XXXX branch on a scheduled appointment with someone named XXXX. They just do not seem to have any interest to make this right for me and I am enlisting any help that could be given to me in this endeavor. 



Respectfully, XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information on credit report. This is a FTC violation XXXX XXXX on XX/XX/XXXX {$13000.00} - FTC violation XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX {$2300.00} -FTC violation XXXX  XXXX on XX/XX/XXXX {$3900.00} -FTC violation XXXX XXXX on XX/XX/XXXX {$5700.00} - FTC violation XXXX XXXX card on XX/XX/XXXX {$21000.00} - FTC violation XXXX cXXXX XXXX on XX/XX/XXXX {$21000.00} -FTC violation Contact all above companies to have inaccurate information remove. Have made attempts, no response.
Product: Checking or savings account

I opened a US Bank XXXX XXXX account with promotion XXXX, which states as long as I deposit {$3000.00} of new money into the account, keep in the account until 60 days after account opening ( XX/XX/XXXX Opening ). As the attachments show, I opened the account on XX/XX/XXXX and deposited {$200.00} via credit card upon account opening ( new money ). I then transferred over {$2800.00} from my XXXX checking account. This totaled over {$3000.00} new money. I kept the money in the account until XX/XX/XXXX, which was well over the 60 days ( XX/XX/XXXX ). I called US Bank on XXXX, where I was told I would get the bonus within 10 days. I waited until XX/XX/XXXX and contacted again as 10 days had passed. I was told a case would be opened. This case has been opened since XX/XX/XXXX, or 19 days ago ( XX/XX/XXXX ). I met all the requirements, made multiple attempts to contact US Bank and no results. 

Furthermore, created the first CFPB claim on XX/XX/XXXX and US Bank states this will not offer the credit because I didn't register through their business login. As I shared with them I already had a personal login where the account showed up and wasn't told that I needed nor how to create a new business login for the account. I met all the financial requirements, but due to this poorly labeled requirement I was told I would not get the bonus. This is a mere technicality. I reached out to the person who responded to the complaint and she never got back to me. 

Therefore I am submitted another claim for the {$500.00} US Bank should be providing. I ask that they honor the bonus and allow this XXXX exception to a technicality that isnt very clear. 

Thank you
Product: Credit reporting or other personal consumer reports

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 

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 Account XXXX Balance : {$8800.00} Date Opened : XX/XX/XXXX XXXXXXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} XXXX  XXXX Account # XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Please Remove and block these fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act.

I am requesting that these fraudulent accounts be DELETED and blocked from my Credit File Under federal law.
Product: Debt collection

XXXX XXXX and XXXX XXXX from Kinum , Inc. of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX VA XXXX have been harassing me over the past several years about a false debt that I have nothing to do with. The alleged debt has to do with a business contract between XXXX corporations and the amount owed is completely fabricated. In fact, the other party that they claim to represent has admitted to not knowing where any of this is coming from. They have called me, my family, and have sent aggressive letters threatening to sue. People who act in such manner based on erroneous and completely unfounded claims must be stopped.
Product: Credit reporting or other personal consumer reports

This account does not belong to me, it has already been removed from my report previously, and the company continues to report this account to me, I have been a victim of identity theft. Please remove this account from my report, since it seriously affects me and is not mine
Product: Credit reporting

Experian is listing a XXXX account as open. I am longer a XXXX customer. I switch to XXXX in XXXX 2015. XXXX was supposed to have paid the remainder of my bill as part of their Cut Your Bill in Half promo. This XXXX account should be closed and removed from my credit report. I am no longer a XXXX customer so why is this acct being listed as open on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXX XXXX reporting inaccurate on all 3 bureaus XXXX Card XXXX reporting inaccurate on all 3 bureaus status says paid on XXXX and XXXX then says collections Im confused then on Equifax it says derogatory collection. Please remove or fix & permanently put paid 100 % on time on all 3 bureaus if my status is paid I dont understand. 

XXXX XXXX XXXX Is reporting inaccurate on all 3 bureaus please remove XXXX XXXX XXXX is reporting inaccurate on all 3 bureaus please remove XXXX XXXX XXXX reporting inaccurate on all 3 bureaus please remove XXXX XXXX XXXX Reporting inaccurate on XXXX and Equifax please remove XXXX XXXX XXXX reporting inaccurate on all 3 bureaus please remove XXXX XXXX XXXX Reporting inaccurate on all 3 bureaus please update my payment status to 100 % paid on all 3 or remove this inaccurate account from my file..
Product: Mortgage

Good morning, We were trying to resolved this issues. So PHH Mortgage came back saying they were going to apply the missing payments and I don't understand or how they did this and where they have gotten their PAYOFF amount at. When I have a statement at the first of the year XX/XX/2020 stating what I owe for my PAYOFF on my mortgage at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. I will include this statement to show them. So on the XX/XX/2020 my statement states that my payoff is at XXXX they came back on XX/XX/2020 after replying back to my complaint and saying that my pay off would be XXXX and this PAYOFF is only good thru the XXXX of this month. They are trying to get over on me by XXXX I will not let this happen if they can not go thou there figure and get this straighten out, I will just get a lawyer and we can go to court. this is horrible that they mess all this up and they are not even being honesty about any of this .Let the truth be told they never even removed what I paid for those months they should of credited me and then stood up to what is on the truth side of this. if this is not resolve them we will go to court. sorry let the truth be told and this is truly unfair to me as a person. This isn't my mistake this is there by far. Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter is a formal notice to Cease and Desist all reporting activities in regards to the above titled account of which to date is still DEFICIENT in its demonstration of a factually documented PHYSICALLY VERIFIABLE TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIP OF RESPONSIBILITY ( ies ), VALIDITY ELSEWISE or with the MANDATED PERFECT AND COMPLETE COMPLIANCE OF REPORTING even to the required METRO 2 FORMAT REPORTING STANDARD ( s ). As your firm is well aware I have LEGALLY exercised my rights by contesting in my lawful checks and challenges previously and currently the CERTIFIABILITY of COMPLIANT REPORTING of claim ( s ) still not demonstrated FACTUALLY with adequate verification of truth, accuracy, timeliness or else wise concerned with the undoubted validity of this reported injurious claim Page 1 of 7 and any supposed debt ( s ) that might be associated with and also unproven to date. COMPLIANT REPORTING of ONLY FACTUALLY VERIFIABLE VALIDATED CLAIMS is the MINIMUM STANDARD OF REPORTING NOT AN OPTIONAL ONE, I DEMAND YOU REPORT FACTUALLY and COMPLIANTLY as required by both MY STATE and all the applicable federal laws and standards of reporting as well. I have in writing and by phone attempted to assure that the alleged COMPLIANCE OF REPORTING is in fact CERTIFIED so to undoubtedly confirm the accuracy of the information reported to or by your firm ; and during this process the acts by omission by this furnisher prove substantially that the claim ( s ) and any related debt ( if any ) as reported is invalid, even if only due to deficiencies of reporting requisites. By ignoring my legal validation demand the alleged data furnisher is in direct violation of the FDCPA, and you the FCRA being the responsible repository. Since the furnisher has knowingly violated both federal and state law and I can document this violation, I am demanding that you CEASE all reporting activities. Stop at once reporting the debt in question to any and all Credit Report and delete it from my credit report at once.
Product: Debt collection

Convergent Outsourcing , Inc has corresponded and called me continuously in reference to a debt they allege I some how owe them and I have never signed a contract with them. So I sent them a letter requesting they verify this alleged debt and they ignored it and are still trying to pursue this alleged debt
Product: Credit card or prepaid card

I have credit card issued with HSBK BANK for two years, perfectly paid and few time used. Line of credit {$4200.00}. Now with out communication or letter they process to reduce the line of credit from {$4200.00} to {$950.00}. That means from 22.12 % balance to 95.28 %, that was reported from XXXX and my FICO going down unfortunately. This really unfair for every customer that have a good relation and proper payment in any credit card they act unprofessional and playing with the financial situation from everybody. 
I would like to know if I have any consumer right from this type of situation or not!
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

My personal information on my credit report is inaccurate as well. I have requested to have my personal information corrected on my report as this is a violation of my consumer protection rights.
Product: Debt collection

On XX/XX/year>, I was contacted by Resurgent Capital Services regarding a debt they claim to have acquired. This debt originated from XXXX. I did not give permission for my debt to be sold, transferred, or purchased by Resurgent or its affiliates. Furthermore, I dispute the validity of the debt and their authority to collect it.

Despite my concerns, Resurgent has continued to contact me regarding this matter. This behavior constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and potentially the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, the company has failed to provide validation of the debt and evidence of their legal authority to collect it.

I demand that Resurgent immediately cease all communication with me, as permitted by the FDCPA, and that they cease any collection efforts until they can provide proper validation of the debt. If they can not validate the debt or demonstrate lawful authority to collect, they must remove any records of this debt from their systems and confirm this in writing. 

I am requesting your assistance in addressing this matter and ensuring that my rights are upheld. Resurgents continued communication without proper validation is causing unnecessary stress and may be unlawful.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$12000.00} with Exeter Finance LLC. They did not provide me with the verification of debt as I requested ID verification and the original contract. Per 15 USC 1692c If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communications. I have sent Certified letters of verification of debt and Right of rescission on XXXX XXXX to the dealership, XXXX XXXX, to XXXX and Exeter Finance LLC expressing their errors and how to correct them and move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These lenders have not been authorized access to my credit report or profile. I have contacted each one individually regarding their unauthorized access to my report, to no avail.
Product: Debt collection

The same debt was being reported by 2 different companies one which has been removed the other is still showing reflecting on my credit report with a XXXX balance.
Product: Debt collection

On XXXX XXXX, XXXX I sent a letter to USCB regarding a debt they said that I owed to XXXX XXXX. The text of letter is pasted below : XXXX XXXX, XXXX USCB America XXXX. XXXX XXXX XXXX XXXX, CA XXXX RE : ATTEMPT TO COLLECT A DEBT ON BEHALF OF XXXX XXXX, MEDICAL RECORD NUMBER XXXX To Whom It May Concern : I am receipt of your statement dated XXXX regarding an attempt to collect and settle a debt with XXXX XXXX ( copy attached ). As I discussed with your representatives on the phone several times, this debt was already settled directly with XXXX and paid in full XX/XX/XXXX, very shortly after I received their first bill. Enclosed is a statement which shows all charges to XXXX have been paid in full. 

You are breaking the law by : Failing to verify disputed debts and Ignoring my cease communication requests Please update your records and cease your collection attempts immediately. Any further attempt on your behalf to collect this debt, including phone calls, letters, or incorrect and negative impacts to my credit report, will be considered harassment, and I will file complaints with the CFPB and the California Attorney General, and possibly seek damages through legal action. 


Sincerely, XXXX XXXX As stated in this letter, I do not owe this debt, and my account with XXXX is paid in full. I asked that they cease communication with me. However, I have since received repeated phone calls from them, and today I received yet another phone call from them. ( XXXX/XXXX/XXXX )
Product: Credit card or prepaid card

Synchrony Bank, on XXXX XX/XX/2020 inciting that they felt I could not pay them. They closed 5 accounts ; most had no balances ; one had a credit balance. I have never been late with payments and have no idea why they took this action. They closed my XXXX, Lowes, Care Credit, Amazon, Mattress Firm, Synchrony Home. The only two with balances which were paid on time were Credit Care and Amazon ... never late!!!
Product: Debt collection

A while ago I was on maternity leave and fell back on payments. I received two letters for both accounts about ways to catch up on payments. I made both payments but some how it was only credited to one account. I called several times requested supervisors and etc. They were able to see the one payment but explained some how the computer only followed through on one account and not the other. Although payment was received and the offer was for one account. I have been told several times that a supervisor up until this day that a supervisor would contact me back. I finally received a settlement offer. However after thinking about it and that I have been reaching out about this account for over a year and my other account has been in good standing I feel that somethin else should have been acceptable. I offered a pay for deletion due to the problem and I was told that was not offered and they had nothing to offer but the settlement and that I should contact a credit agency. However the credit agency said this is offered when capital one sends it to a collection agency. This matter should be looked into closer and I'm not understanding since i remain a customer and have been making contact for over a year. Why should I deal with a outside agency vs Capital one since the account is still with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX XXXX acct # - XXXX XXXX XXXX  acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX acct # - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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.