23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, for me I had a {$12.00} balance to which I was unaware of with XXXX. I opened the account in XX/XX/XXXX with about a {$12.00} charge. The clerk had trouble with the system and tried at least XXXX different times to get it to go through. I finally said just forget it I need to go XXXX pay for my purchase. She asks for XXXX more try. I paid for my purchase and she said its done. Unaware that she opened the account with a partial charge of {$12.00}. I did give her funds thinking I had paid my bill and opened an account with zero balance for future use ; totally unaware of having a {$12.00} balance. Yes, I received mail from XXXX thinking it was just advertisement which is tossed into my junk mail pile. Finally, I received a phone call from XXXX and found out about the balance. A shock to me that I even had a balance but, I paid it by phone. When I realize that this situation has been reported to credit bureaus I immediately contacted the store request a reprieve to my situation and to have it fairly evaluate. It doesnt make since to open an account in XX/XX/XXXX for $ XXXX and stop paying for 3 months with a balance of {$12.00}. When I asked for a reversal I was given the company line that of integrity if it is change. I am sorry I dont see ityes I believe XXXX could make a change and I m sorry that {$12.00} could cause so much havoc on my credit report to jump for a score of XXXX to XXXX and then to add insult to injury other creditors have reduce my credit line. No one is speaking on my behalf and I have no forum to speak from regarding my side of the equation. I realize that this process starts and finishes with bots ( one computer speaking to another ) without human interaction. Im so irate that I closed the account as of today XX/XX/XXXX Personally I don't believe that a late payment under {$25.00} should be reported to credit bureaus.
Product: Debt collection

I only get form letters asking for payment. They will not correct their mistake or send me proof in writing. I had XXXX  service for two years, XXXX. In XXXX I returned what equipment I had and paid the final bill sent to my new address. I never heard anything more from XXXX over the next 6 years. Then on XXXX of XXXX a form type letter, from Convergent a collection agency on behalf of XXXX communications, was mailed to my same new address. I called XXXX right away to correct this mistake and was told they no longer had my file. My file had been turned over to the collection agency. XXXX had never contacted me first. I called Convergent, the collection agency, and could never get good information about what the notice was for. It took me several phone calls and numerous agents to figure out I was being billed for equipment issued in XXXX, about 8 years before I purchased the property with XXXX service. I eventually learned from convergent that equipment was issued from XXXX. I sent Convergent closing statements showing I could not have been issued this equipment in XXXX having opened my XXXX account in XXXX. My previous address in XXXX was not even in a XXXX  service area. I asked that all information they had about the equipment be sent to me in writing, which I have never received. I have also asked numerous times to speak with someone that can correct the XXXX mistake and no one that could help has ever been put on the phone or called me back. I was told to send Convergent any information I have and it will be forwarded to a dispute dept. I have sent information and have contacted them numerous times with no results. I contacted them in a timely manor and sent them what I have but I am getting no where. It is only {$120.00} but I do not owe it and refuse to pay for their error. I will not be coerced by this collection agency that seems unwilling to contact XXXX and get this straightened out. All I ever get are form letters asking me to pay. My perfect credit history of 48 years has been hurt by this company. It is not right. I am a senior and feel preyed upon by this collection company, with their form letters and unwillingness to help correct the mistake.. I am very stressed and XXXX because they have lowered my credit score, will not correct the mistake and just keep sending form type letters asking me to pay it. It is not right that they can make a false claim and there be nothing I can do about it. They leave me with only two options, to pay this fraudulent claim or it sits in my credit history for 6 years and I pay higher interest rates. One way or the other I loose.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit report.

This is my attempt to rectify this issue, and I am becoming increasingly frustrated by the lack of response and action on your part. It is crucial that these items be removed immediately to reflect my true credit standing. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or outdated information on my credit report. These accounts are either beyond the statute of limitations or contain erroneous information. Despite my previous attempts, these items remain uncorrected. I have included copies of my previous correspondence as well as supporting documentation to expedite the review process. Please help me conduct a thorough investigation of these items and provide me with written confirmation of their removal within 30 days. The following items should be removed as soon as possible : XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX ( Original Creditor XXXX  XXXX XXXX ) XXXX Balance Owed : {$980.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance  Owed XXXX {$0.00} ; XXXX XXXX XXXX
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 Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
Credit Bureau XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX, Account # 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

Greetings! It appears that despite submitting an FTC report # XXXX, there are still ITEMS left that needed to be removed. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Hello, I reviewed my credit report and saw that XXXX at XXXX was STILL reporting to my credit for Equifax. This account has been paid in FULL! I have attached proof of payment and would like for you to remove this from my credit report at once! This is tarnishing my credit score and impacting my buying power. I have already sent over XXXX rounds of dispute letters!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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 in those account 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. 


XXXX XXXX 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: Debt collection

It has come to my attention that despite my numerous attempts to dispute the account listed below, they still remain on my credit report. Your lack of action in this matter has left me extremely frustrated and angry. XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$32000.00}. It is unacceptable that your response to my previous disputes regarding this account was that they were " previously investigated ''. This response is not only inadequate but also shows your lack of concern for my legal rights. I remind you that under 15 U.S.C. 1681i ( a ) ( 1 ) ( a ), each time a consumer reporting agency receives a dispute, it is required to reinvestigate the dispute free of charge and record the current status of the disputed information or update the item from the file within 30 days. Failure to do so is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX I RECEIVED MORE STALL LETTERS FROM EQUIFAX THEY ARE CONTINUING TO IGNORE MY DISPUTE LETTERS. THEY HAVEN'T CORRECTED ANY INFORMATION ON MY CREDIT REPORT. LOOK AT THE PREVIOUS COMPLAINT WITH THE OTHER STALL LETTERS. THEY ALSO KEEP REPORTING MY LEGAL NAME FROM ITS NOT XXXX XXXX, MY LEGAL NAME IS LISTED ON MY DRIVER 'S LICENSE XXXX UPLOADING.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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
Product: Debt collection

I have never once been contacted by this company. The first time I even knew they existed was when I got a notification on my email that there was a new alert on my credit. I checked into my credit saw that the company was named portfolio recovery LLC and added a collection. Then I started looking into them online, I dont know what this apparent debt is for or from. But once I found the company online and I got their License number I checked on the company on the NMLS and found out that they are not licensed to perform as a debt collector in my state of Washington where I reside. I have never gotten a piece of mail from them Ive never received an email from them either. I had to go on the NMLS website to find out about their licenses to be able to get an email for them so I could contact them. Yesterday XXXX XXXX I sent them an email saying that they needed to take this debt that I do not recognize off of my credit as they are practicing debt collection illegally by not having a license in my state since this is a closed border state for debt collection. They also did not go through the proper channels of sending a letter trying to call or anything of that sort before putting a debt on my credit which is on there illegally. I did receive an email back today from an employee there and all they wanted to do was ask for my Social Security number and my address and I did not feel comfortable giving that out over email when this company is already going against my state laws. I do not trust that they wont try to do something else illegally.
Product: Checking or savings account

See previously closed CFPB complaint - XXXX - that was closed without a satisfactory resolution. I am still owned {$72.00} in overdraft fees that should not have been charged. I have supplied my " actual '' records, detail and bank statements verifying my checking out balances at the time the overdraft fees were incorrectly charged.
Product: Credit reporting or other personal consumer reports

RE :XX/XX/XXXX BLOCK REQUEST To whom it XXXX 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 Accounts that are being challenged XX/XX/XXXXXXXX Listed below are the Collections that are being challenged XX/XX/XXXXXXXX - XXXX XXXXXX/XX/XXXXXXXX Listed below are the Inquiries that are being challenged XX/XX/XXXX- XXXX XXXX BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX 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 XX/XX/XXXX IN PERSONS. IF THE CONSUMER HAS PROVIDED XX/XX/XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XX/XX/XXXX XX/XX/XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

Portfolio Recovery Associates placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report. XXXX
Product: Money transfer, virtual currency, or money service

Tried to send my crypto from Robinhood, but they needed to verify my identity. ( Probably should have done that years ago ). Their XXXX  XXXX  couldnt verify for some reason so I asked for a human to review my ID and get it fixed ( instead of their XXXX program ). I asked for them to stop holding my money hostage days ago to no avail. I have followed up 3 times and requested a manager call just to get hung up on, lied to, and strung along. No one has even given me an XXXX yet! They are holding my money hostage and costing me. This is not the first time either, they are constantly doing shady stuff holding their customers money hostage. Look what happened with the XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was purchasing a small house. I was going to get a Cashier 's check from my bank but was informed from my realtor and it has to be a wire transfer by law. I was sent wire instructions to my email from Realtor/title company. I went to my bank and sent the wire. I was at my real estate closing and the title company said the money was not there. I called my bank and they said they had sent it. Come to find out the email with the wiring was hacked, and I was sent fraudulent wiring instructions. My bank tried to recall the wire but most of the money was gone. I feel if Wells Fargo would have checked the names on the account and on the wire that information wouldn't have matched up and the fraud would have never occurred. Can you please help me with this situation? 

thanks, XXXX
Product: Mortgage

I have been receiving COVID-19 payment assistance from Chase Mortgage, which has been very helpful. I received a letter stating that the assistance was ending XX/XX/2021, and that if I needed additional assistance, I needed to call ( XXXX ) XXXX. I need an additional extension of this assistance. When I called this number, I would be put on hold for five minutes, and the automated system would then say that the lines were too busy, and automatically hang up. I have been attempting to call for over a week now, and it is very frustrating. How can I reach someone to request an extension of my assistance? I am really worried because the deadline is tomorrow.
Product: Student loan

In XXXX I took a loan for {$8000.00} from XXXX XXXX to cover the remainder of my college tuition that my federal aid and family contribution did not cover. At some point the servicer changed to Navient. Over the course of time I was unemployed in XXXX once and could not afford to make payments on my account. I recall calling customer service and asking for a forbearance and I was told that it was not a federal loan and therefore I did not qualify. That I could pay {$50.00} to apply for a partial forbearance and I could just make payments towards the interest or something. I was worried about all of this impacting my credit score so I agreed to do whatever was necessary to keep the account in good standing. Over the years the loan literally doubled. The balance is now over {$16000.00} as of XXXX and I have been making a payment of {$200.00} for as long as I can remember each month. I called customer service some time again to ask why my loan had gone up so much and the answer was unclear and confusing. At this point I calculated what I would be paying for the {$8000.00} I borrowed as a college student by the estimated loan payoff ( XXXX ) and it 's close to {$75000.00}. The customer service reps have not been helpful over the years explaining my concerns or answering questions I have. They have not offered much help towards making my payment more affordable or how to get a handle of paying off this loan affordably and in a reasonable time frame. Please offer any suggestions and or help you can. I feel quite helpless and frustrated and regret ever taking out a loan with this company.
Product: Credit reporting or other personal consumer reports

Unauthorized use of my information, and due to data breach.
Product: Checking or savings account

As of XX/XX/2023, our account was frozen for review for some of our transactions. However, there was no disclosure of notification that our account was under review and how long there investigation would take. I have cited the compliance violations that are being done against us. 

We have been subject to unsatisfactory treatment by PNC since opening our account. Here are the following issues and potential compliance violations : We were enrolled in PNC 's XXXX service for wires/ACH. I was able to log in once and have been froze out and no way to re-instate my log in. Customer service has not been able to help and the third party service does not respond to the e-mails when providing the information as requested. We have not been able to use XXXX except for once from the start. We have sent multiple wires in which I have to go into the branch in which you should have evidence of this with your branches. With this being said, XXXX has to pay a service fee of {$95.00} which has cost us an estimated {$1000.00}, so far. Issue still unresolved Our account has been frozen without any formal communication or disclosure that it was being frozen, we have automatic payment withdrawals that come out of the account monthly in which we will go delinquent and cause us credit bureau adverse actions to our credit ( our personal guarantor/XXXX  ) XXXX This is unacceptable and needs to be reported to the CFPB for non-compliance to UDAAP and FCRA regulation requirements needing to be adhered to by PNC as a financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FORMERLY XXXX Date openedXX/XX/2020 Amount owed $ {$16000.00}
Product: Credit card or prepaid card

1, On XX/XX/ my car 's engine light went on. I drove to XXXX XXXX. The assistant diagnosed my car saying : car still drivable. Mechanic is in XXXX. I can bring the car back when he is coming back in a month. On XX/XX/XXXX, I received a text message from the mechanic-XXXX telling me to bring car to him. I sent the car in on XX/XX/XXXX. XXXX kept my car for a month and called me on XX/XX/XXXX saying car is ready and fee is {$3500.00} ( I paid by XXXX XXXX by Barclays ). He give me a handwriting invoice which is not readable/ not showing parts number ). 
2, I drove my car home ( about XXXX miles ) and stayed home for the holidays. On XX/XX/XXXX when I used the car I found the coolant tank pouring water and AC stopped working etc and send the back to XXXX XXXX. XXXX kept my car for another month and released it on XX/XX/XXXX giving me an invoice ( computer printed/still not showing parts number for {$1800.00} ( I paid by XXXX XXXX ). But XXXX said he forgot to fix my A/C asking if I can pick my car another day after A/C fixed. I feel I need to see another mechanic. 
3, So I drove my car to XXXX XXXX. Mechanic XXXX found my A/C wire isn't nature damaged, obviously cut by a wire cutter. XXXX also could not find any new part in my car telling me to get an invoice showing part #, but XXXX XXXX failed to provide the invoices showing parts numbers so I disputed both charges with XXXX and Barclays requesting XXXX to provide the computer printed invoices showing parts number, but Barclays did not do anything and simply close my dispute.