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

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information 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.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.
Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Resolution : Delete this these accounts unless you want to be held accountable for {$1000.00} per account
Product: Checking or savings account

this is with PNC bank where I obtained a home equity first mortgage loan on my condo 4 years ago. One of the conditions of getting the rate was to have the  payments automatically deducted from a PNC checking account. They indicated to me verbal and on a written document that as long as the checking account is linked to this type of loan that I would not be charged fees on having a low balance. My payment is XXXX a month and every quarter I deposit about XXXX to cover 3 months payments. I have another account where I do my day to day checking so I only use this checking account for making payments to this mortgage. I recently received a bank statement that had a fee for a low balance. I never been late on a payment and never overdrafted this account. An employee at the bank informed me that the bank changed their policy on linked accounts. They should not do this to accounts that were previously established on the conditions of linking accounts for making payments.
Product: Prepaid card

XX/XX/year>, {$650.00} via XXXX, Merchant = XXXX. Transaction declined in-person. 
American Express customer service stated the reason was " missing CVV '', even though the card was added to my XXXX XXXX with my card number, CVV, and Expiration date. 
XX/XX/year>, {$300.00}, Merchant = XXXX XXXX. Transaction declined online. 
American Express customer service stated the reason was for Security. 
XX/XX/year> : {$3.00}. XXXX XXXX. Transaction declined. 
American Express customer service stated the reason was for Merchant did not transmit complete information. 

According to the prepaid card use instructions, the card should be accepted anywhere American Express is accepted ; for online use, I can use the card at merchants that require the Card number, expiration, and security code. There are obviously more restrictions than stated, yet neither Customer Service representative I contacted on XX/XX/year>XXXX  was able to explain to me how to use the card as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document that are unknown to me and I am not agree with this. Based on FCRA, Section 605b, It is the responsibility of the Credit Bureaus to remove those informations which do not belongs to the owner. The following items are such an error in my file that needs to be remove : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AR XXXX ; XXXX XXXX XXXX ; Dept Of Ed/XXXX XXXX XXXX {$0.00} ; Dept Of EdXXXX XXXX Balance {$1900.00} ; Dept Of EdXXXX XXXX XXXX {$0.00} XXXX Dept Of Ed/XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX XXXX {$1900.00} ; Dept Of EdXXXX XXXX Balance {$0.00} ; Dept Of EdXXXX XXXX Balance {$0.00} .
Product: Payday loan

i do believe i applied for a loan but i have no bank account nor did i receive any money
Product: Checking or savings account

Opened an account with citibank after XXXX weeks they closed and freeze my funds.. not gotten any information just said they will maillot a check XXXX days
Product: Debt collection

I am receiving debt collection notices on a time barred debt that was written off by the original debtor 20+ years ago.
Product: Vehicle loan or lease

Car auto loan called credit acceptance corporation continue to report inaccurate reporting. found on my credit report also my wife credit report. which has effected the credit rating for over year scores. .this account was PAID OFF made on time.. Payments. Dated XX/XX/XXXX. I purchased XXXX XXXX. Paid XXXX blue book value shown much lower amount I had car accident .The insurance company listed car. As being TOTALED the insurance. Company. paid the car off. Due to me my wife not having car. in need of a car due to areas. We lived. Didn't have. Transportation no bus cabs. We seen. Thst. This car still was. drivable .but was already been paid off credit acceptance. advise my husband they will get back with to negotiate us. Offer price noticed. Another rep did contacted us prior asking about payment. Not knowing that car. Was in accident. Insurance was involved. My husband advised rep. That the car was in accident insurance. Was handling situations again this account was never late made in time. .then shortly we received. Another Call from Different Customer service rep. Whom provided us a. settlement offer .we EXCEPTED PAY OFF SETTLEMENT .... reason why it doesn't show any listed lates payment history. Anywhere on the. payment records anywhere Only problems founded on last FINAL DATE SETTLEMENT..
Product: Mortgage

A few months ago, I submitted modification papers realizing that there is no guarantee to receive a modification and of course I was denied because I was told by representatives at XXXX XXXX XXXX that I am in a good place and I should remain with the deal that I have because they can not lower the interest rate any further. The funny part is that my XXXX XXXX XXXX dues have gone from {$700.00} to {$1500.00} a year, Water dues, electricity bill and my Sewage dues went from {$120.00} a quarter to {$270.00} a quarter all due to inflation. I am unable to pay my mortgage on time because I do not receive money until the end of the month. I wanted XXXX XXXX XXXX to change the due date from the beginning of the month to the end. Today, I spoke with a XXXX and she indicated that there are only two ways that she knew that the due date of the mortgage can change : 1.modification or  2.refinance. Clearly I was denied a modification and my credit is not good enough to refinance - what am I supposed to do? The company is unwilling to assist me any further and I am dumbfounded.
Product: Credit reporting or other personal consumer reports

Identity theft. The consumer reporting agencies commit fraud everyday by keeping adverse information on consumers credit reports even after written consent was established to be removed. They play games with you on the phone and on the internet when you request removal and delay consumers on purpose then pretend like nothing wrong was done and no law was broken. XXXX, TransUnion and XXXX all need to be under investigation for identity theft for millions of consumers.
Product: Debt collection

AR Resources reported a collection that I had no knowledge of due to their incorrect information. This unfairly impacted my credit score. They attempted to intimidate me and lied to me to get me to pay them directly. Now they will not respond to repeated requests for debt validation and other information regarding this account. 

on XX/XX/XXXX I was notified of a negative mark on my credit report from AR Resources. I was never contacted by this company and did not know this had gone to collections. 

In XXXXXXXX XXXX XXXXXXXX I was attempting to dispute this bill with my insurance company, which was supposed to cover it. I received one bill from the XXXX XXXX and received no further contact from them, even after requesting more information. 

I called and spoke to two ARR representatives ( XX/XX/XXXX ), one being a manager. They both were very aggressive and tried to intimidate me, claimed they had contacted me multiple times, lied to me ( claiming that this would automatically be deleted once paid, which is not true ), and refused to provide any information in writing. They both refused to validate the debt or provide me with any additional information whatsoever. I again requested debt validation ( to which I am entitled to under the Fair Debt Collection Practices Act ) twice via certified mail ( received and signed for on XX/XX/XXXX and XX/XX/XXXX ), once via standard mail ( sent on XX/XX/XXXX ), and once via email ( XX/XX/XXXX ). I received no response. 

I have USPS informed delivery, so anything with my name and address is scanned and emailed to me, even if it ends up misdelivered. Nothing from ARR was ever present in these emails and I never received anything from them. The XXXX office confirmed that my apartment number had been omitted from their files, despite me having given it correctly multiple times. I believe that the XXXX XXXX did not give ARR my correct and complete address, which I could not possibly control. 

However, if they sent mail that was not delivered, it should have been returned to their return address. If this is the case, they should have been fully aware that the mail was not being delivered. 

On XX/XX/XXXX, I received my first piece of mail from ARR stating that the account had been paid in full. This document included my full address, including my apartment number. This leads me to believe that they have received and read my letters, which included my apartment number, and are just refusing my requests still. 

I have carefully recorded all of my communication with this company ( with exception of the phone call ) and gathered as much evidence as possible to prove my case to XXXX. This account has been removed from my credit report by XXXX due to ARRs incorrect information. However, I still want the requested documents and information.
Product: Debt collection

The demo was {$300.00} submitted through speedy cash.com in 2010. The amount owed is {$630.00} which is the wrong amount. This has been on my credit report for longer than 10 years and I want it deleted.
Product: Credit reporting

THIS ACCOUNT DOESNT BELONG TO ME IT BELONGS TO MY FATHER
Product: Checking or savings account

I believe that I may have been charged overdraft fees or insufficient funds fees illegally by Wells Fargo between XXXX and XXXX. I called Wells Fargo to discuss this and they said they could only review my account over the past 180 days. I asked if they could tell me what fees were charged in the past 7 years and they said I would need to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 am not liable for this debt with he charter Mcneil & Meyers REV. I do not have contract with Mceil & MEYERS REV they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DP OF EDUC Account Number : XXXX  This is not mine.

2. Identity Theft DP OF EDUC Account Number : XXXX  This is not mine.

3. Identity Theft DP OF EDUC Account Number : XXXX  This is not mine.

4. Identity Theft DP OF EDUC Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

On XX/XX/2019 I was making airline reservations and saw the ad to open an XXXX XXXX. I filled out the application online ; however, noticed when I got to the terms that there was a XXXX XXXX yearly fee. I did not check off the box to agree to their terms and closed the application. Later I received an email that led me to believe the application still went through, which was later confirmed by receiving letter/card via XXXX XXXX. I again read the terms to verify and did NOT activate my card. I called Bank of America and advised of situation and asked they close the card. 

It should be noted that 100 percent of the time when opening a credit line online the terms MUST be agreed to by checking off a box or entering a code. Failure to do so will not allow the application to go through. This has always been my experience ; therefore, I have always believed this to be part of the application process. Why have a section about agreeing to the terms, if this is not part of applying for a credit line. XXXX disagrees with me and said that by my filling out the application, I agreed to the terms whether I checked the box or not. I think this is misleading, as well as deceptive.
Product: Credit card or prepaid card

In XXXX of XXXX I applied for and received an XXXX XXXX issued through Synchrony Bank. The rewards terms are fairly simple. Earn 3 points per {$1.00} spent on the first {$1000.00} of all XXXX purchases in a calendar year. After the {$1000.00} is met I was to earn 5 points for each dollar spent at XXXX each calendar year. Any other purchases off of XXXX earned either one point or two points for each dollar spent depending on where the purchase was made. 

There is only one condition to XXXX purchases and that is that XXXX purchases from international sellers only earn one point per dollar spent. The terms further make no mention of any restriction on points earned on payments made to XXXX for XXXX seller fees. 

Initially I phoned Synchrony bank starting the middle of XXXX. Each time I asked to speak to a supervisor. Each time I called, the supervisor agreed the points were being calculated wrong. I asked to speak to the rewards department but was refused each time. I then asked for a full audit of my rewards points. I was refused. Instead I was sent a vague form letter stating " we would like to help so please phone us '' I would phone but was told the same thing again. That the calculation looks wrong but you can not speak to the rewards department. I called again and this time I was told that my charges were from Paypal so the paypal charges do not qualify for the rewards program. Finally on XX/XX/XXXX I filed a BBB complaint. In response to this Synchrony bank sent the BBB a copy of the wrong terms for a different program called " XXXX XXXX rewards loyalty program. '' Sure these terms would have supported their position ( paypal charges do not qualify ) but it was not the terms I signed up for. The BBB closed my complaint as resolved. Paypal is merely the processing bank for all of XXXX charges. In XXXX of XXXX I filed a complaint with the Florida Attorney General 's office. XXXX XXXX XXXX from the bank responded to this saying that yes the agents had calculated my points based on the wrong program. But now there is new excuse. This being that many of my charges are from international sellers on XXXX and those purchases only qualify for one point not 5 points per dollar spent. 

Since I knew of no international purchases made I called XXXX and asked. XXXX audited my account and found no international purchases made on my account. See letter from XXXX attached. I sent XXXX XXXX a copy of the XXXX letter on XX/XX/XXXX. I have never heard back from XXXX XXXX or Synchrony bank. Further XXXX XXXX states that I can only earn one point for each dollar spent on XXXX seller fees. Although XXXX XXXX would like this to be the case there is no such restriction in the terms of the XXXX rewards program. 

I have enclosed a copy of my audit of all XXXX purchases and missing points. I have also enclosed a copy of the XXXX letter. 

Account : XXXX mastercard ending in XXXX.
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 Account NumberXXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX  Account Number:XXXX has violated my rights. Or a 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 or prepaid card

This morning around XXXX of XX/XX/2019 I withdrew XXXX $ from a gas station ( its maximum withdrawal amount ) and went to XXXX to withdrawal another XXXX for a total of XXXX at around XXXX XX/XX/2019 however it wouldn't go threw and now have a fraudulent suspension on my account I need to pay rent today and my phone bill and I've been on hold for as of XXXX with no answer. I've been doing this same thing for the last 7 months living down here in Texas and this is my only issue but its a big one.
Product: Credit reporting or other personal consumer reports

I filed XXXX XXXX XXXX on XX/XX/year>. 

XXXX XXXX XXXX XXXX XXXX. 

It was XXXX by the court in XXXX 

The XXXX years has past, and all three credit agencies still show this on my records how do i get his off my credit report? 

thank you XXXX XXXX XXXX
Product: Debt collection

I had a credit card w XXXX XXXX for years, I got sick in 2017 which forced me to have 3 XXXX  2 major, one minor. Because of my illnesses I was XXXX I couldn't work which left me broke. I contacted XXXX XXXX and explained my situation, they told me that they had a hardship program for people like me and that when I initially received the card it was in the credit card contract agreement and that if I could verify my medical condition they would waive the debt so I sent them a 53 page medical report outlining all my Dr visits, Test, post op, pre op, procedures and surgeries. I received a letter from them about 6 weeks later ( that I still have a copy of that I'm including w this complaint ) basically saying they approved my hardship and waived my debt. Today I checked my credit report and they are still reporting it to the credit bureau negatively every month! I called them and they told me that were not going to take if off unless I pay the balance & they were rude as well, you would think w all this covid 19 pandemic they would be nicer and more coorperative
Product: Credit card or prepaid card

I have been having problems since XX/XX/20 due to some fraudulent transactions that I have been claiming and also with the returns of the merchants towards the card I have been claiming and to this is added a deposit made by an XXXX  device that has already released me the money but it is not reflected in my valance what and I also have the history that it shows me in the app and comparing it with a state that I asked them to send me by mail and it does not agree in the two histories there are differences in this regard and also They do not add up the total balance to reflect what I am missing. I have enough evidence that they are doing fraud to clients since I got into the forums and they complain about the same thing that they are not clear, the institution that manages is CRYPTO.COM and the bank that handles the card in XXXX XXXX XXXX  and I have called them and only what they do they transfer me to Crypo.com and apart from all this the rewars have taken them out of those transactions but it is very good that they have not returned the money from those transactions there is a lot of disagreement regarding accounts and balance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is providing incorrect information regarding my mortgage and the dispute that occurred with my mortgage. They are stating that as they received the mortgage that the account was past due but in fact it was not. If look at the XXXX XXXX XXXX entry, they state I was only 30 days late prior to the transfer which was also incorrect because XXXX actually transferred my final payment or two to XXXX which records should clearly show. Even if that transfer did not occur, you can't go from 30 days late to 180 days late in 60 days which should be pretty obvious. 

In reality XXXX should remove this entry altogether although I am guessing that will need to be settled in court because all of this happened due to XXXX XXXX XXXX 's failures in servicing which XXXX then supported and also failed to resolve, except oddly, their attorney 's who filed the foreclosure did make the corrections indicating XXXX knows the issues were valid in my favor, they still did nothing, they know the 'claims ' and now representations are false ... XXXX also failed to provide initial and required servicing documentation ( they sent it four months later back dated ) and really all they were great at was harassment and threats.
Product: Debt collection

I have exerted efforts to communicate with the company on multiple occasions ; including, filing complaints with the XXXX XXXX XXXX and possibly the State Regulatory Board. I have sent letters by mail and recently sent certified mail as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and asked to remove AES student loans form my credit report with XXXX. I am asking because the account does n't belong to me. The account was transferred without my knowledge.I am asked for it to be removed.
Product: Mortgage

Servicing of my mortgage transferred to Nationstar from XXXX as of XXXX 2015. 
There are two XXXX 2 XXXX detached dwellings on my property. Each carries its own homeowner 's policy and earthquake policies, for a total of four XXXX 4 XXXX policies. For the 22 years I 've lived on this property, the previous servicers have paid all four XXXX 4 XXXX policies. 
When my servicing was transferred to Nationstar, I checked for the existence of the policies in my escrow account online. The earthquake policies were not present, so I called Nationstar. They told me that since earthquake policies are not mandatory, they do n't have to pay them, so they are refusing to do so because it is not their company " policy. " It is my understanding that a servicer is to honor property tax and insurance policies that are attached to the property. I think it is outrageous that a servicer I did not choose XXXX Nationstar XXXX can refuse to provide this simple service. 
I further believe that Nationstar is illegally demanding that I continue to pay my earthquake policies while they take 3-4 months to determine what the new escrow payment is. I am being forced to overpay my escrow monthly, giving Nationstar FREE USE of my money. They did not indicate they will pay prevailing interest on these monies they are illegally demanding. 
**Note on my attachment that Nationstar indicates the date of the letter is XXXX/XXXX/2015, but I did not receive it in the mail until XXXX/XXXX/2015.