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

I OPEN UP AN ACCOUNT WITH EXPERIAN, COM .iNOTICE SEVERAL ACCONTS THAT WERE OPENED UP WITHOUT MY KNOWLEDGE
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX fraudulently charged my credit card {$120.00}. I contacted my credit card company & asked that they reverse the charge on XX/XX/XXXX. To date no action has ever been taken by my credit card company to rectify the issue. Every time I have called I have been told there are zero updates on my case. It's been 5 weeks & I provided all of the necessary info. 
I returned a package to XXXX, and XXXX is claiming the package was not returned even though tracking proves it was returned & I have 2 emails from XXXX employees confirming the package was received. On my XXXX account page however the package showed as not being returned which is why I called XXXX to ask about that issue. They assured me I just needed to give it time to let the system update & the info would update on my account page. That never happened & instead XXXX charged me for the package that was returned.
Product: Debt collection

My son XXXX XXXX was hospitalized on XX/XX/16 for a medical emergency. While at the hospital because it was an emergency I was never asked for his insurance card. When I received the first bill about a month later I immediately called and gave his Maryland XXXX Id number which would cover the bill 100 %. I was told by XXXX XXXX XXXX the original creditor not to worry the insurance would be billed. They never billed XXXX insurance and sent the account to collections at XXXX XXXX. When I called Suburban Credit I spoke to two representatives neither of which would let me explain. The first one hung up on me while she was pretending to figure out how to remove this charge and the second one basically said whos to say you called and gave the original creditor your insurance information. In other words calling me a liar.
Product: Debt collection

XXXX XXXX, has been told in XX/XX/2017 that I am filing bankruptcy. 
They were also told by my attorney. 

I keep getting calls as they put my accounts into collections. 

Every few months, Portfolio calls me ( the collector ) And again, I tell them the same thing, along with my attorneys info they dont stop calling me
Product: Debt collection

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CAPITAL ONE XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX, VA XXXX XXXX ) XXXX ( XXXX ) XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I OWE {$500.00} TO BOTH OF YOUR COMPANIES? This is a formal notice that your erroneous claim ( s ) is/are now disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature?

Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

My Contact Info is as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted all three credit bureaus to have old and closed information removed with no response. The closed accounts that need to be removed are two from University XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written five dispute letters to each reporting credit accompany. It is the same results every time. I received results on XX/XX/XXXX 2022, same results from previous results. I do not believe investigations are being done just receiving data ffrom database system and stating the information is correct. It is identify theft, as XXXX XXXX service member I was XXXX. During XXXX, I had to leave a copy of my ID XXXX drive license, and Social Security, power of attorney to the person who it taking care of my children so my children could go the doctor and stuff. I want a thorough investigation. That is my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit inquiry on my report from BRCLYSBANKDE on XX/XX/2022 that I do not recognize. I reached out to them for help, but they have not responded to my support message. I am unable to dispute it directly with XXXX, I was directed here
Product: Debt collection

Per trying to resolve a debt the gentleman that I have spoken with on 2 occasions has been threatening, aggressive and never letting me resolve this debt, the interest etc, has sky rocketed and added more to the debt. 
He has hung up on me and refused to let me take care of this. 
This is unfair and I am not able to take care of debt and the amount keeps going up.
Product: Credit reporting

I received a letter dated XX/XX/2017 from Citi, XXXX XXXX XXXX, XXXX, OR XXXX, that indicated I previously enrolled in Citi IdentityMonitor offered by Citibank N.A., and I was charged a monthly fee. I believe that I was enrolled without my consent or knowledge, and when I attempted to go to the link referenced in the letter ( XXXX ) it did n't work. The letter tells me to submit a claim before XX/XX/2017 and enter reference number XXXX to get started ; and the letter states that submitting a claim does n't guarantee a refund. It also states that additional information is available at XXXX. The bottom of the letter references a Tracking Number : XXXX.
Product: Money transfer, virtual currency, or money service

I have a newly created online store where I was unaware that customers had a PayPal Express pay options. Well one of my first few online sales on XX/XX/19, the customer choose to pay using PayPal and the funds were sent using PayPal. I was then instructed to created a PayPal account to gain those funds. 

I then created a PayPal account, add added my business banking information and waited the 2 business days for the micro deposits to verify my bank. I logged back into today XX/XX/19 only to be told that my account is restricted until I upload a copy of my drivers license. Well, working in Fraud Management for a large credit union, I know that PayPal had a data breach within the last two years, so I did not feel confident uploading this information on there website. 

So I decided to call PayPal, I spent well over an hour trying to resolve the issue today during my lunch break. I was passed around to a few different agents as I explained that I didn't want to upload a drivers license. Being that I had to get back to my full time job I abandoned the lack of support I got from Paypal. Every associate was rude and one even insinuated that I was wasting time by not letting her transfer me to the next person. 

Upon returning home this evening, I decided it would probably be quickest to just refund the customer and request them to reprocess their payment. After refunding the customer leaving my PayPal with a XXXX Balance, I called PayPal to close my account. I have been on the phone now for 1 hour 31mins. They will not let me " close '' my account without providing my drivers license. They will not let me remove banking information ( debit card/ account numbers ) without providing my drivers license. They have compleletly taking my information hostage until I provide the my drivers license. I have now completed my call and at 1 hour 46 mins 04 sec the supervisors tells me there is nothing that can be done, my information will remain in the system and the will NOT close my account without providing a drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2020 after first getting no response to my fax request from last XX/XX/2020, XXXX XXXX XXXX XXXX. ( c/o XXXX XXXX ) in Georgia over the phone assigned me a reference number XXXX for their technical department to confirm to me by e-mail within a week why they are not able to complete my online registration and refusal to allow American expats to give either a fax and/or online access which our SSA ( Social Security Administration ) redressed when I filed a complaint that without a US mobile number I could no longer have online access to my account to avoid discrimination and the SSA received other numerous complaints they got from the evaluated 9 millions Americans living abroad Further, last XX/XX/2020, since over the phone XXXX keeps not being able to identify me and had thus much difficulty transferring me to their Consumer Affairs Deot. I also filed over the phone with their Consumer affairs office in Georgia a second complaint today ( their ref. XXXX c/o XXXX XXXX ) that the additional financial questions based on the credit report received at my Us mailing address and generated by phone do not match what's on the credit report which as a result unable customer reps to see my files and thus also transfer me directly without delay to their Consumer Affairs dept. located in Georgia.
Product: Debt collection

From XXXX until XXXX Monday thru Saturday AND Sunday ( everyday I get about 7 calls per day from various out of state numbers and now they call via an " unknown '' " private '' number ). 
I finally picked up one day and because the phone number said " unknown '' and they began to tell me how they would take garnish my wages and take the money and ruin my credit. So then, I tried to talk to him about a payment plan. 
The amount due is only about {$300.00} HOWEVER, the only payment plan he would provide was {$45.00} of 44 payments. 
So now im being threatened to have my money garnished, my credit ruined, my phone rung at all hours of the day and night or pay so much interest its unthinkable. 
I tried to come up with a way to pay them but after the threatening calls day and night I do not feel comfortable giving out private bank information. 
The calls should not be starting at XXXX and not evening til XXXX either on every single day of the week. 
Especially over {$300.00} which I just do not have to my name at the moment.
Product: Vehicle loan or lease

1. XXXX  did not show me the sticker price on the car. XXXX  picked out a car and said, this is the only car we have for you to finance. 
2. On XX/XX/2018, XXXX only gave me {$100.00} credit for my car. At that time my car was worth {$350.00}. On XX/XX/2018, XXXX gave me the Kelly Blue Book Price piece of paper ( attached in my complaint ) of {$6600.00}. 
3. XXXX  took my {$1500.00} down payment and {$100.00} for my car {$1600.00} down payment.

4. XXXX  overcharged me {$1300.00} for car. XXXX  inflated the cost of my car {$1300.00} and stole my money.

5. XXXX  overcharged for extended warranty. XXXX  charged me {$1700.00}. Those warranties are about {$350.00} a year. XXXX  overcharged me {$1000.00}.

6. Letter from Credit Acceptance response to Consumer Financial Protection Bureau complaint says " As an initial matter, Credit Acceptance is an indirect financing company and DID NOT RECEIVE YOUR DOWN PAYMENT ''. This is my {$1600.00}!.

7.XXXX  charged me 22.99 % interest on loan from Credit Acceptance. Usury.

8. My credit was not that bad.

9. XXXX  refused to show me my credit score.

10. XXXX  refused to give me a copy of the repairs- XXXX  did before I bought the car.

11. XXXX   refuses to correct all these scams they did against me.

12. XXXX took advantage of me big time.

13. I was robbed by XXXX.

14. XXXX  defrauded me. Consumer Fraud against me the consumer.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Reporting and Illegal Re-Aging of Debt I am writing to formally dispute the reporting of inaccurate and misleading information that you have furnished to XXXX regarding an account in your name. The account details are as follows : Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX I have obtained multiple credit reports from XXXX, dated XX/XX/year>, XX/XX/year>, and XX/XX/year>, and have identified clear violations of the Fair Credit Reporting Act ( FCRA ). These violations include : 1. Illegal Re-Aging of Debt : The Date of Last Activity ( DLA ) has been improperly updated to change from XX/XX/year>, to XX/XX/year>, and then XX/XX/year>, which is a clear attempt to illegally re-age the debt. Under 15 U.S. Code 1681c ( a ), the original delinquency date must be reported correctly.

2. Inaccurate Account Type Reporting : The account is inaccurately reported as an Open Account, despite this classification being incorrect. This violates 15 U.S. Code 1681s-2 ( b ), which requires furnishers to provide accurate information to the credit bureaus. 

My Demand : I am requesting that you immediately instruct XXXX to delete the inaccurate account information from my credit report and cease reporting this account inaccurately. If this issue is not resolved within 30 days, I will pursue legal action for your violation of the FCRA under 15 U.S. Code 1681n and 15 U.S. Code 1681o, and I will seek damages for willful and negligent non-compliance.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under XXXX XXXX XXXX XXXX section XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. XXXX XXXX Code XXXX - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

My son, XXXX XXXX XXXX, had a auto loan through PNC Bank, with his grandfathe, r XXXX XXXX XXXX, as a co-signer. On XX/XX/19 my son was in a automobile accident that took his life. My father, XXXX XXXX XXXX, gave PNC Bank permission for me to take care of closing the auto loan account. My son, XXXX XXXX XXXX had auto insurance and gap insurance which should pay off the entire loan amount. I contacted the auto insurance company and the vehicle was a total loss. The auto insurance company sent PNC Bank a check. I contacted PNC Bank and informed them of what had happened and spoke with a XXXX XXXX. She informed me that my son, XXXX XXXX XXXX had gap insurance and all that PNC Bank would need was my sons death certificate and the auto insurance check, then they would take care of everything else. I emailed my sons death certificate and reached out again to PNC Bank and XXXX XXXX and again she informed me that they would take care of everything else. In the mean time my father XXXX XXXX XXXX is getting calls that the vehicle payment is behind and his credit has taken a negative hit, though this case is pending insurance payments and is a total loss. I call PNC Bank, because XXXX XXXX won't return my calls, and am told, by XXXX, they never received a check from my sons auto insurance company. I inform PNC Bank, that I have a letter in my hand and it states that they have received a check from the auto insurance company. I am then told by another representative of PNC Bank, XXXX, that they don't reach out to the XXXX insurance company that we should. We were told that PNC would take care of it by XXXX XXXX. We then reach out to XXXX XXXX XXXX, where the vehicle was purchased, and they send us an email where PNC Bank has cancelled the XXXX insurance. Why would they do that and why did they tell us that they don't reach out and contact anyone. It's lie after lie and why are we taking care of this companies leg work. Why aren't they trying to close this account out? Are they just trying to accrue more interest? Why are we doing the loan companies job? Their client is deceased and they have a copy of his death certificate and they had the nerve to ask us to send them another copy. This is a very tough time for my family and this company is making a tragic situation so much worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

us bank was not authorized to check my credit
Product: Consumer Loan

Out of sheer desperation I applied for a {$500.00} loan XXXX/17. 
I had no knowledge that with each payment only {$10.00} would be applied to the actual loan. As of today I have paid {$690.00}. I called this company @ XXXX and requested they stop coming out of my checking account. I asked this because it is impossible to pay them off without detrimental to my finances. I was hun up on.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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

I never had the chance to find out what this debt was. 

Access Receivables purposefully sent my debt to an address I did n't live, and even worse when they marked for collection for XXXX and again in XXXX. 

The only reason I knew this is because I pulled my credit report through the XXXX contracting bureaus. 

They 're playing with Statute of Limitations of my debt, and I 'm really frustrated with their illegal practices. 

I lost XXXX points of my credit all of a sudden, because of them. I need it back.