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

The following companies XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  were not entitled to check my credit history, I have no interest in getting a new loan or purchase any items from them.. It is not authorized and therefore must be deleted from all my credit reports
Product: Credit reporting or other personal consumer reports

Am writing to formally dispute the inclusion of an account on my credit report, as it was established without my knowledge or consent, using my personal information, such as my Social Security number. The circumstances surrounding this account clearly violate consumer protection laws, and I insist on its immediate removal from my credit record.XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX. ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX XXXX : {$460.00}.
Product: Consumer Loan

I purchased a vehicle in XXXX. I pay online on the Nissan Finance website. I am being charged late fees if I do not make the payment 10 days before the due date. Example, my car payment is not due until XXXX/XXXX/2016 so I logged in today ( XXXX/XXXX/2016 ) to make the payment. I my payment increased for next month with the late fee already in place. It does not seem legal that if I am paying online and before my due date that I am charged a late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX. 
Regarding alleged account # XXXX, XXXX and XXXX 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 an account without my written instructions. 
15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
XXXX5 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Product: Credit card or prepaid card

On XX/XX/XXXX  I received a letter dated XX/XX/XXXX  from BestBuy Credit Services stating that I was denied a credit card that I never applied for. The state reason for denial is " Unable to verify identity information. '' I tried calling BestBuy Credit Services as well as CitiBank and could not speak to an actual person without providing an account number ( which I do not have ), or my social security number ( which I am not comfortable providing ). I am regularly checking my bank accounts to ensure there are no suspicious charges.
Product: Debt collection

ENHANCED RECOVERY COMPANY has re-reported a debt on my CB as a new collection item. This item has been removed several times - XXXX Bill. It is now being reported with XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, Best Egg has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Section XXXX ( a ). 15 U.S.C 1681 XXXX. XXXX ( a ) states I have the right to privacy. 15 U.S.C. 1681 Section XXXX ( a ) ( XXXX ) also states that a consumer reporting agency may not furnish an account without my written instructions. I am hereby exercising my rights to privacy and request for the referenced account XXXX XXXX XXXXXXXX XXXX XXXX to be immediately removed from all credit bureaus and agencies. 

I am also requesting the minimum violation amount that I am legally entitled to of {$1000.00} for such violations for each infraction bringing the total sum amount of {$2000.00}. 

They ignored my previous requests and now I have all the documentation and proof I need to pursue further legal remedies through the court system should they choose to deny my request again.
Product: Debt collection

XX/XX/XXXX I sent my first dispute letters to all three bureaus ( XXXX, XXXX, and XXXX ) requesting validation/ verification for the following two Portfolio Recovery accounts ( XXXX and XXXX ) be investigated because these accounts are not mine, inaccurate, and fraudulent activity and to delete from my credit report. 

Following my dispute letters XXXX  removed the two accounts from my credit report. XXXX and XXXX continued to report inaccurate information. 

XX/XX/XXXX a letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA was hand delivered stating I had court XX/XX/XXXX. On this form it states " For Service at a New Address '', the first summons was sent to my mother apartment in which I never lived. 

I attended court on XX/XX/XXXX requesting trial because these accounts are not mine, inaccurate, and fraudulent. I was appointed a new court date for XX/XX/XXXX XXXX. I was then mailed additional information at my mother apartment Notice of judgement. Attached will be documentation ( exhibit 1, exhibit 2, and exhibit 3 ) supporting all claims above. 

Portfolio Recovery Associates is violating my consumer rights and never provided validation or proof that this debt belongs to me. Falsified documentation and purposely sent mailings to an address that is not mine so I can miss court dates ( please see exhibit 1, exhibit 2, and exhibit 3 for supporting my claims. ) Furthermore XXXX, XXXX, and XXXX  are liable for violating FCRA 15 usc XXXX. 

I have never received communication from Portfolio Recovery Associates stating they have purchased my alleged debt. The first communication I received were judgement papers this violates FDCPA 15 usc XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma has options for credit cards, personal loans, and auto loans that say excellent approval odds. I had clicked on the options because it did say excellent approval. I've been working to repair my credit and I trusted Credit Karma to guide me in the right way to do so when I applied to the companies that were listed. I was not approved but I was denied because of x, y, and z. So on top of spending the time to fill out the applications, my credit was pulled and affected because of a denied application. I feel that Credit Karma should not say that someone has excellent approval odds if they do not. I'm in the process of trying to repair something and damaging it by not knowing it
Product: Money transfer, virtual currency, or money service

I have been using PayPal since XXXX. I used it for many years to buy items online and also to purchase sports cards for my hobby. During XXXX and XXXX, the sports collectables industry experienced a huge boom. So my hobby essentially turned into a business due to the huge increase in demand for sports cards. I mainly focused on selling soccer cards. During XXXX and XXXX, my transaction volume and amounts increased tremendously in comparison to my previous use since I started buying and selling sports cards at much higher prices. During these 2 years, I buy and sold hundreds of cards online to people all around the world. Unfortunately, as the amount of my transactions increase so did the probability of encountering problems with sellers and buyers. On several occasions, I had to deal with fraudulent buyers and sellers sending me fake cards, damaged cards, different items, and even lost packages by the post office. All of these issues become huge problems for me because they were high valued items. Sports cards ranging from {$100.00} to {$8000.00} each. Every time I had any issues, I had to open a dispute with PayPal to either return an item and get my money back if I never received the item that I purchased. Due to the increase in my transactions, I naturally encountered more problems since I was dealing with numerous sellers from around the world. Once day, PayPal closed my account without any explanations and told me that they could not give me any explanations to why they closed my account. I was banned from PayPal and my business was ruined since I can no longer buy items safely from sellers around the world. Now my source of income has gone down significantly because of this and it has been a huge issue in my life. PayPal was crucial for my business and the damage that they have done to me is irreparable. The amount stress and the amount of time that I have had to put into dealing with this has been horrible. I have spent months dealing with claims with my bank trying to get my money back for items that I never received or that arrived damaged. I also lost thousands of dollars for certain transactions that I was not able to open a dispute since my account for closed. Overall, this has been a huge nightmare for me and I am going to do whatever I can to make sure that PayPal fixes or pays this. They have ruined my life and my business and I will take legal action if necessary. I tried contacting them several times and they never provided an explanation or tried to help me in any way even after I offered to show them proof of everything that I stated.
Product: Prepaid card

Ingo money has closed my account for no reason. When I asked, they replied I have violated terms and conditions. I questioned what part of their terms & conditions I allegedly violated. I received no response. 

I have never presented ingo money a check for processing that was returned, unpaid, or any other issue. All checks I have presented for cashing cleared perfectly. 

Ingo money is punishing me for no violations.
Product: Mortgage

mailed mortgage payment on XX/XX/XXXX - PNC says they still do n't have payment - agent on phone said she just had another call on the same thing, the 2nd time this has happened to me with them and I take it very seriously. do n't have deatils from the 1st time, but started watching every payment closely, 10 days later they do n't have check? I feel something is wrong with their payment handling
Product: Credit reporting or other personal consumer reports

I have several unauthorized hard inquiries on my credit report that need to be removed. These have caused me to not be able to receive the credit that is rightfully mine and that I need to live, therefore this has caused hardship in my life. The credit is rightfully mine to receive, and having been denied MY OWN credit because of my credit score ( namely, because of the score being too low because of these hard inquiries ) is discrimination.
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.In accordance with FCRA, I am requesting these 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. If you have any questions, please do not hesitate to contact me for more documentation or information at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the identity theft. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$150.00} XXXX XX/XX/2022
Product: Credit card or prepaid card

XX/XX/2020-I purchased an electric stove/range unit from Best Buy. It was damaged, but the merchant refused to take it back. This was the case even after I informed the Senior Executive Resolution Specialist at Best Buy that by selling me a defective and non-conforming stove, they were violating the implied warranty of merchantability under Article 2 of the Uniform Commercial Code. The charge was {$1300.00}.

XX/XX/2020-Unable to get any response from Best Buy, I contacted my credit card company, Citibank, to start a dispute case. Citibank issued me a conditional credit of ( {$1300.00} ). 

XX/XX/2020- A credit of XXXX XXXX XXXX was issued. Best Buy finally agreed to take back the damaged stove. Best Buy picked up the stove on XX/XX/2020. Since I was just glad to put an end to the whole incident, I did not object to the small difference of {$19.00}. 

As the email in the attachment indicates, I was advised by Best Buy to contact my credit card company Citibank, as there were now 2 credits on my statement. I contacted Citibank and we agreed for Citibank to reverse its prior conditional credit and to close the dispute. 

XX/XX/2020-I was charged under Best Buy for {$1300.00}. I called Citibank and verified that this was for the reversal of the prior unconditional credit. It was what I expected to take place as mentioned before. 

At this point, I have a net charge of {$19.00}, after accounting for the two charges and two credits. The small charge was fine with me, as mentioned. 

HOWEVER- XX/XX/2020-Best Buy recharged me {$1300.00} for the stove which I returned. 
When I contacted Citibanks dispute department ( over 3 times, with each wait time averaging 1 hour during this very unsettling Coronavirus hardship period ), I was told by them that since I agreed to close the dispute, there was nothing they would do to assist me further.
Product: Credit reporting or other personal consumer reports

The alleged debt is false and inaccurate. The balance due on the account was NOT, at any moment, the amount that is being reported by the credit bureaus. Please DELETE this account from my credit report, as it is an FCRA violation to report inaccurate and false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX after noticing that Professional Debt placed a chapter XXXX comment on my credit report.Since I have never filed a chapter XXXX I requested XXXX to remove this incorrect information. They refused.I need this company who I do n't really know to tell me who or where they got this information from then remove it from my credit report
Product: Student loan

Approximately mid XX/XX/2017, I spoke with a female employee with Navient concerning a possible loan transfer from my provider XXXX. I was given this provider by XXXX who stated I would be given a loan reduction and better terms. First, XXXX did not follow through on their promise. Secondly, after speaking to a Navient employee, I was told my payments would be much higher and a longer term ( than my current provider XXXX ). I firmly told her do not transfer ( cancel ). I also faxed a letter on XX/XX/2017 to cancel. Approximately several weeks-one month later, my loan was transferred to Navient. They ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX. To remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX those are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT GIVING ME ANXIENTY I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account #, 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: Bank account or service

I wanted to pay my credit card with my checking account on Chase bill pay. I signed onto my account, clicked on pay my credit card, and entered the amount to be paid. Ten days later, I received a letter saying that the payment had been refused by my back and returned. I realized that the default account that the site offered was my equity account, not my checking account. It seems that you can not make a payment on a checking account with an equity account. I was trying to pay with my checking account. Why then does the page default to that equity account? It is not possible to remove that account from the list, and it must default to that account ; an account that can not pay. If you add all the people who might make this error, and if they were therefore late on their payment, how much money would Chase bank make on late fees? I complained to a bank employee ; he said they get lots of complaints, and he passes them on, but nothing has changed.
Product: Debt collection

Medical breach of records and have submitted proof and now they and their lawyers are trying to collect same debt
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX ( Original Creditor : 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: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX  ( credit file confirmation # XXXX ), XXXX  ( credit file # XXXX ), and Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and I am super disappointed with what came up. There are unauthorized inquiries. I have no idea regarding those unauthorized inquiries and I do not know why they're reporting as mine. To further give more information about this, please check the documents that I've sent.
Product: Checking or savings account

I set up automatic transfers from my Bank of America checking account to ( 2 ) separate Bank of America savings account, which I also own. The automatic transfers were schedued for every other Friday, coinciding with my payroll date. I 've had these transfers set up for well over one year and never had an issue. 

On Thursday, XXXX XXXX, XXXX, I checked my account balance and noticed that my account was overdrawn by {$270.00}!!! I immediately checked the transaction details to find that my scheduled transfers were processed early! I called the Bank and spoke with XXXX. She advised that if the scheduled transfer date falls on a holiday or weekend, the transfer is processed the day before. I asked her to send me a copy of the Terms and Conditions, which I supposedly agreed to, by email. XXXX refused, and told me she could n't do that. I told XXXX that I work at a Bank and I KNOW she can do that. She refused to provide a copy of the Terms and Conditions by email, so I asked to speak with her XXXX. 

XXXX 's XXXX, XXXX XXXX XXXX ID XXXX XXXX in Pennsylvania came to the line and was just as flustered as XXXX! She told me she could email the Terms and Conditions, but it would take 2 days. 2 days for an email sounds ridiculous - I 'm still wating. Further I asked her to read the sections of the Terms and Conditions which addresses my concerns. She read a section but could not tell me which section she was reading from and if it pertained to internal transfers scheduled by the consumer. 

I also asked XXXX XXXX why only three of the transfers took place, instead of all four. She said because my balance was low. Exactly! I explained that the balance in my account prior to any transfer was only {$17.00}, so if that 's the case then NONE of the transfers XXXX amounts {$25.00}, {$65.00}, {$200.00} XXXX should have taken place! She said well MAYBE it 's because I have a certain amount that the Bank allows me to overdraw on my account. So I asked how they determine which transfers to process first. She said it 's the highest amount to the lowest amount. Proves my point again! My largest transfer was NOT processed. Seems management at Bank of Amrica needs additional training. 

Finally, I asked both XXXX and XXXX XXXX to notate my account that I should not be charged any Insufficient Funds Fee because THEY processed a transfer on a date that I did n't authorize, and ultimately overdrew my account. They both refused to add the note and said that I would just need to call back if a fee was charged. 

I finally just transferred funds from one of my savings account back to the checking to avoid a fee. 

Needless to say, I 'm very very upset. The customer service I received was rude and inconsistent. Both XXXX and XXXX XXXX were very unknowledgeable.