23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX Balance : {$0.00} & DPT EDXXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Based on the Fair Credit Reporting Act, the list of accounts below violated my privacy rights under 15 USC 1681. 

I called Experian, XXXX, and XXXX to check these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX  THESE TWO ACCOUNTS ARE A MAJOR VIOLATION OF MY RIGHTS ACCORDING TO 15 U.S.C 1681 section 602 A. States I have the right to privacy. ALSO, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, XXXX XXXX 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, 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: Credit reporting or other personal consumer reports

In XXXX, during the height of the XXXX pandemic, I faced severe financial hardship due to the widespread economic impact and loss of employment. Given the unprecedented circumstances, I believed that credit reporting agencies and creditors were instructed to provide leniency and not adversely affect credit reports for accounts impacted by the pandemic. This belief was based on the understanding that the XXXX XXXX and similar protections were in place to prevent negative credit reporting during such a crisis. 

At the time, I did not anticipate that my account would be reported negatively. I assumed that the credit reporting agencies and creditors were adhering to guidelines to protect consumers during this period. Consequently, I did not take further action to dispute the account, as I believed that the situation would be handled appropriately given the widespread financial struggles caused by the pandemic. 

The account in question was reported with late payments and a vehicle repossession. I am now seeking correction of this information to ensure it accurately reflects the impact of the pandemic and the protections afforded under the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have reviewed myt reports on all three credit bureau and the information doesnt match. I have reached out to these companies for a debt validation letter or a XXXX if the so called debt was a charge off. I am reaching out for assistance to get this removed from my credit report. 
XXXX XXXX XXXX  This company charge off refused to send documents or XXXX Account info Account number XXXX Status Account charged off. {$650.00} written off. {$560.00} past due as of XX/XX/year>. 
and XXXX XXXX XXXX This company charge off refused to send documents or XXXX Account info Account number XXXX Status Account charged off. {$650.00} written off. {$560.00} past due as of XX/XX/year>. 

XXXX XXXX XXXX XXXX refuses to send documents Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 usc 1681e ( b )
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681a ( 2 ) ( A ) ( i ) No transactions can be reported on my consumer report.

A payment is a transaction and reporting it violates the law. 

Please update the following accounts to paid on time - never late or remove them from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Monday, XX/XX/XXXX, I was notified by my clearance investigator that I had a 30-day late payment on my credit report. I knew this was wrong because my payments are on autopay but I went online to try to make a payment anyway. The website was down so I contacted XXXX and they informed me the site would be back up the following Monday. After logging in on Monday, I still could not make a payment so I called XXXX back. I finally was able to speak to someone competent as she did some investigating and realized XXXX misapplied one of my mortgage payments to the wrong loan. This caused a 30-day late payment on my credit report. She informed me it was the bank 's fault and that they would try to fix the late notice on my credit report. 
I am trying to get a personal loan and I can not with the credit score hindered by this misleading and inaccurate reported information from XXXX. This has caused some personal XXXX  and distress not knowing when this item will be removed. 
Please removed it from my credit report as soon as possible as this is a hindrance to my way of life and as a consumer, this is a violation that is still on my report.
Product: Credit card or prepaid card

there has been fraudulent charges on my card and I have notified them numerous times and they did not handle the matter. I continued paying and still have paid but they have my balance incorrect and have not removed the charges. they notified last week of fraudulent activity onmy account themselves and I called them back and confirmed that it was not a charge made by me. they advised they would close the account and send me a new card with a new account number, my husband has only received a new card and myself the main account holder has not received the new card. the balance they now transferred to the new card and it should reflect a XXXX  balance with a new account and card and that has not been done after numerous reach out attempts to them
Product: Debt collection

I have called the sheriff 's office handling the collection of the unknown debt for the law office of XXXX XXXX and XXXX that is also under Tromberg , Morris & Poulin , PLLC. I gave the reference number ( the only number associated ) for this matter, many hang ups on me from this office and still get nowhere. They claim that the reference number is not their matter number and " even if it was they want more identifying information '' from me. I have no idea what this debt is ( though the sheriff 's office says it's from XXXX ) and they are garnishing my wages for it since XXXX and was opened at the sheriff 's office in XXXX. This amount was originally {$6100.00} and is now at {$3500.00}. I have no idea what this is, I attempted to contact them and find out nearly a year ago, where they then were doing the same thing and hanging up on me. None of this is on my credit report or discoverable.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account NumberXXXX and list of Inquiries. 

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 card

Capital One is reporting a fraudulent credit card account on all XXXX of my credit reports. XXXX, XXXX, and XXXX. I have disputed this account with all three credit bureaus and Capital One several times, and requested investigations. All XXXX credit bureaus informed me that Capital One verified and confirmed that the account belongs to me. I have not received any proof or documentation from Capital One that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists Child Support Court as the furnisher that's forgery and misleading when the courts don't report this type of account.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 section 602 A States I have the right to privacy 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 other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX : XXXX ; U.S. Department of Education XXXX XXXX XXXX XXXX Formerly XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX Dept of Human Svc XXXX : XXXX ; US Dept of Education : 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 can provide proof of Equifax admitting that I am a victim of this Data breach and has done nothing! 

Please help me delete these illegal and negative items from my credit reports and update my personal information.
Product: Checking or savings account

I was charged two bogus overdraft fees " engineered '' by PNC bank. ( Please see attached screen capture with notations. ) On XX/XX/XXXX I checked my balance and saw that I had a low positive balance. So on XX/XX/XXXX, I deposited a check for {$250.00} to that account because I knew that I had two checks totaling {$230.00} that had not yet cleared, and I wanted to make sure that they were covered. <P/> On XX/XX/XXXX, I again checked my account and saw that the deposited had been credited and that after that the two checks had cleared. This resulted in a positive balance of {$15.00}. <P/> XX/XX/XXXX was a bank holiday, but because I had made a {$25.00} online purchase, I transferred {$25.00} from my other PNC checking account to that PNC checking account. That would, I knew, give me a balance of {$15.00} + {$25.00}, for a total of {$40.00} -- more than enough to cover the {$25.00} purchase and still leave a small positive balance. <P/> On July 5, I checked to see if the {$25.00} purchase had gone through, which it had. HOWEVER, on that same date PNC had FIRST posted an " engineered '' {$36.00} overdraft fee on my positive balance of {$15.00} ( which threw my balance into the negative ), and THEN they put through the {$25.00} charge ( which now was n't " covered '' because the {$36.00} fee had " taken '' some of my {$40.00} balance ), and AFTER THAT they finally credited my supposedly " instantaneous '' PNC to PNC transfer from the day before -- thus resulting in another " engineered '' overdraft fee.
<P/>
I called PNC around XXXX XXXX on XX/XX/XXXX and spoke to a male representative ( he quickly gave his name at the beginning of the call, but I did n't understand it ; and after we had talked he ignored my request for his name or bank ID number ). He said that he could not help me because his request to refund the charges was denied by the computer. When I told him that I was going to complain to regulators if this was n't properly resolved, he laughed. ( So much for low-level customer service at PNC. ) He then put me through to his supervisor, whose name sounded like " XXXX XXXX. '' She promptly announced that she was recording the call. When I said that was fine because I, too, was going to record the call, she told me that I " was n't allowed '' to do that. I informed her that under Maryland law that I was allowed to record a call if I let the other party know that I was doing so. She kept insisting that I was n't allowed to do that, and then said that she would not talk to me if I recorded the call. ( You can verify that exchange, I imagine, since she said our call was being recorded on her end. ) She said that she was escalating the call. She then escalated the issue to her supervisor.
<P/>
I ended up getting her supervisor 's voice mail, and I left a detailed message with a return phone number. The supervisor 's name was spoken quickly, but it sounded like " XXXX XXXX. '' I have not heard from him.
Product: Vehicle loan or lease

For background context, I recently had a serious medical/dental issue and needed to pay for a very expensive dental procedure. 

On XX/XX/2023, I called Truist to ask about a payment deferral to take care of my immediate medical expenses. I was told by the rep that I qualified, as I was in excellent standing and had had the loan for over a year. She told me to expect an email from Truist with my deferral agreement no later than XXXX XXXX Monday, XX/XX/2023, and to call back if I didnt receive it. As of XXXX XXXX Monday XX/XX/2023, I hadnt received the email, so I called back. I asked if it could be sent to me while I was on the phone so that I could verify if I got it. I was told no. I said okay, to be honest, if I didnt get the first one Im not sure Ill get the second one anyway, as this is clearly an issue with their email server. I asked if there was an alternate way to get the document- via fax or postal service. I was again told no. I asked why I couldnt just receive it in the mail and was told it had to expire, which made no sense considering I was asking for a different method. The rep refused to tell me how long it would take to expire and what my next steps should be. 

I hung up and called back, getting a different rep. This one talked over me, talked down to me, and would not let me ask a question. He kept repeating something along the lines of maam are you going to work with me as a team? Just repeatedly saying that over and over and refusing to allow me to get a word in or ask my questions. He finally said he could mail it, but would I be willing to wait ten days? I asked for some clarification on the ten days - did that mean I would receive it within ten days or did that mean I had to wait ten days and then call back to resubmit my request? He refused to answer the question and kept asking his working as a team question. I dont need to work as a team for these people ; they already are a team, and their job as a team is to assist me, which they did not. 

I ended up ending the call and was so upset over the incident I began to cry. I was trying to do a very simple thing and asking basic questions, and instead of being helped I was being spoken to like a bad child. I called back a third time and got a different rep who finally agreed to mail me the agreement. 

However, later on that night I went online and realized I could file a request there. I did so, which also raised a red flag. If they had actually processed my request, why did it not say it was already pending and not allow me to submit a new one? Less than 12 hours after submitting it, I got the email from the automated system - the automated system responded to my request better and faster than actual human beings. That is a serious flaw with Truist Bank.
Product: Student loan

They tried to say I owed on a student loan but I disagreed with the amount owed. They tried to set up payment arraignments and the manager ( XXXX  ) tried to accuse me of not wanting to the pay the bill. I explained that was not the case, I would just like to know what I'm paying for. He said they would put me on a payment plan if I had 2 references that did not live with me. I couldn't provide that information because I didn't have anyone 's information. I contacted an attorney to help me set up payment arraignments. After setting up payment arraignments they decided to garnish my wages. On top of garnishing my wages they took out an additional {$160.00} on XX/XX/19. I do not feel like this is a authentic company, not to mention I have had my identity stolen on several occasions. The company said they were with Allied Interstate LLC when they told me they were going to have to garnish my wages, then when I get the wage garnishment it says it's from the Commonwealth of Kentucky, Finance and Administration Cabinet, Kentucky Higher Education Assistance Authority.
Product: Debt collection

I was in lawsuit with Illinois hammer my attorney XXXX XXXX helped me settle with the insurance company they agreed to pay the medical bills along with the settlement they gave me now years later it is showing up on my credit report after years of working hard to establish good credit my attorney has ignored all of my emails now that he has been paid and the collection agency will not even give me proof of the bill the bill amount is {$450.00} cent I've contact both my attorney and collection agency to resolve this and don't know what to do now
Product: Credit reporting or other personal consumer reports

Re : XXXX and XXXX Notice I am putting in this complaint to formally demand that the company below cease all communication and activities related to the alleged debt under the account number as referenced in the correspondence from XX/XX/2022, to the present day. 
Pen Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the validity of the claimed debt following the submission of my presentment on or around the date of XX/XX/2022, which included debt instruments and instructions for the setoff, settlement, and closure of the mentioned accounts. Despite my repeated requests to validate the debt through an affidavit under full commercial liability, the company has failed to respond to these inquiries. 

The persistent and unwarranted communication from these companies has caused me considerable humiliation, emotional distress, and other private and/or commercial damages. I believe these actions violate the Fair Debt Collections Practices Act, specifically 15 U.S.C. 1692 ( c ), and constitute a breach of your fiduciary duties as a trustee.

I hereby demand that these companies cease all activities related to this debt within fifteen ( 15 ) days from the date of your receipt of this notice. This includes the removal of any reference to this account from your records, the discontinuation and retraction of any reports to credit reporting bureaus, and the cessation of all communication with me. 

Failure to comply with this demand within the specified time frame will leave me with no alternative but to pursue appropriate legal action against these companies to protect my rights.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payments on an account that was in fact paid on time, but consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments Ive attached a copy of my report to this complaint on the following dates XX/XX/22. Im now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to pay on time immediately thank you for your understanding and prompt action.
Product: Debt collection

Call multiple times a day, will not confirm that they will stop calling me. Claim to be IC Systems but I have no idea who they are and they want me to give personal info which I refuse. They use an auto dialer, dont answer and after about 10-20 seconds the phone rings and they thank you for calling, which I did not. They spoof numbers so the latest was XXXX, yesterday was XXXX.
Product: Credit card

I recently discovered that the credit limit for the credit plan ending in XXXX has been reduced. Although, the credit plan was supposed to be an open end consumer credit plan, XXXX XXXX, I am directing that the most recent limit is restored back to {$9400.00} or remove all limits in accordance with the Consumer Credit Protection Act. I have already reviewed a copy of the agreement provided and have discovered that the terms in the agreement are adverse to my interest.
Product: Debt collection

Upon reviewing my credit I noticed a debt that I was not notified of with Financial Assistance.
Product: Debt collection

XXXX, XXXX XXXX, and XXXX have refused to removed a debt that I am not responsible for. I have been proactive with communicating and disputing this collection. However, they refused to take action. I have been a victim of Identity Theft and was apart of XXXX data breach. They have also acknowledge that my personal information including my social security number, phone number, and address was found on the dark web. I am filing this complaint to take further action in my dispute process in result of having a collection removed. attached are my original documents sent to the credit bureaus.
Product: Credit card or prepaid card

Insurance fraud due to either incompetent or malicious business practices on claim number XXXX. 

Chase offers luggage delay insurance through this company. The process is simple and clear : submit specific documents listed on their website supporting conditions of the claim. I have submitted these documents initially, yet the company keeps asking for more documentation in a circular fashion : I provide documents XXXX XXXX XXXX XXXX XXXX XXXX as required and submit. 
They respond asking for XXXX I respond with XXXX 
They responding asking for XXXX and XXXX I respond with XXXX and XXXX 
They respond asking for XXXX and XXXX I respond with XXXX  and XXXX 
And round and round I go up to 6 times now. I always respond within 24 hours, yet they take a week+. This is clearly an attempt to run me around into giving up and/or is completely incompetent. Either way, I am owed my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized accounts without my signature causing credit to be below average.