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

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX  {$1100.00} XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$430.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$430.00} XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2021 i made a purchase at a online store for XXXX and XXXX was selling items from XXXX, XXXX XXXX and XXXX. They basically said that they were selling unclaimed items and everything looked legitimate. However when I looked at my credit card statement the same day and it said " VIRAL STORE '', I started getting concerned that it might be a scam. I immediately contacted the merchant and stated that they should cancel the transaction because something is not seeming right. They assure me that the item had already been sent and if I don't want it they can work something out or I can return. Another red flag was that when the purchase was made it said that USPS was awaiting to pick up item. So I relaxed a bit. The next day I checked the item was in XXXX XXXX in transit to XXXX. I presented all the emails, company had no phone number, and since the person was in XXXX it would take 2 days to get a respond. 
I filed a claim shortly with my credit card company ( Navy Credit Uninon ). Sent all the proof including emails. I had requested that the merchant sent me the return address to have items sent, they refused. I kept getting " we can give you 10 % of your money back to not return the item '', when I said no pls sent me your information to return item, 2-3 days later I will get " we can give you 15 % of your money back '' etc. I told the merchant no, I needed full return and will return the item to the return address that was on the package. They never responded. Now the credit card company ( Navy Federal Credit Union ) which I have been in contact with decided that they are going to return my money back to the merchant and told me that the merchant sent information that I received the item. Total insanity because this was not the issue. I spoke with a supervisor XXXX who was totally clueless, another supervisor told me that she was going to reopen the case when I sent proof that the item was returned because they can not approve refund if the item was still in my possession. I told them that the merchant refused to send me a return address and that I was going to ship it back to the return address on the envelope. I provided them with the shipping information and Navy Credit Union still doesn't want to return my refund. They have not provided me any written information about ruling in this case and justification on why they are refusing to return my money back. When XXXX was questioned about it she told me " I don't know why that information was not provided ''. They have claims adjusters that customers can not speak with, but they determine claim without providing justification.
Product: Debt collection

I never received a letter by mail or anything prior regarding a right to dispute from IQ DATA International IN. They called my employer maybe about two months ago and when I called back to check what it was regarding they were rude and told me I had no choice but to pay it. I hung up. Now it is showing on my credit for {$3500.00} and I have no idea what it is for. Today, XX/XX/2023, around XXXX, I contacted their XXXX number and the representative told me that he did not have any information to verify the debt. When I asked what my option was to verify the debt he told me that I can dispute it or write a letter to the company asking them to verify the debt. When I asked the representative for the address to send the letter he told me he did not have the address, wished me luck, and hung up on me. When I called back, another representative answered and told me the same but discouraged me from writing a letter saying that " sending a letter will cause the lender to say that I confirmed the debt was mine '' and that it was " not the safe thing to do. '' He told me that he sees it happen all the time and tried to encourage me to file a dispute through him at a charge. When I asked what the charge would be, he kept insisting on me giving my address first so that he can send me some paperwork. I told him I would just call back and he told me to be careful when I call back because " they will confirm the debt. '' All of this sounds like harassment and lies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  3 LATE PAYMENTS
Credit usage
100%
Balance
XXXX
Balance updated XXXX XXXX XXXX
Credit limit
XXXX
Account info
Account number XXXX
Open/closed
Closed
Date opened
XXXX XXXX XXXX
Account type
Revolving account 
Status
90 days past due
Status updated
XXXX XXXX  Past due amount
$XXXX
Highest balance XXXX
Monthly payment
XXXX  Contact info
Address XXXX XXXX XXXX XXXX, OH XXXX
Phone number
None provided
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE  IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO "FAIR CARES ACT" ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Debt collection

On XX/XX/2009 Pendleton Capital Management contacted me at XXXX XXXX. Before hours of being able to contact me concerning debt issues. The day before, I learned that they had contacted my other family members that I had not put down in the loan concerning this debt. The representative from their company is XXXX.
Product: Checking or savings account

I am writing to formally file regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time of the transactions were authorized. However due to late posting of charges and credits I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB which identified similar practice by navy federal credit union where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XX/XX/XXXX {$62000.00} XXXX XXXX XXXX XX/XX/XXXX {$54000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$510.00} XXXX XXXX XX/XX/XXXX {$510.00} UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Sent {$500.00} from my XXXX account via XXXX to my niece TD account on XX/XX/2023. Her account did not reflect that transaction and she was advised by the TD bank clerk that she needed to close the account because it was not active. She was assured that the money would refunded to me.It was not. My enquiries to XXXX said that the money was in the other bank and TD made my niece close her account and said that they sent back the money to XXXX. 
I tried to contact XXXX but I don't know to reach anyone. 
I need help. please.
Product: Credit reporting

a manager of an apartment complex was trying to charge me XXXX dollars after I paid my last utility bill all of my 12 months of rent were paid up in full and so were my utility bills. But when I was paying my last utility bill as I mentioned above he was assertively charging me the XXXX dollars. In shock at the very outstanding amount I asked the manager why? and for what? The manager then replied that it was because I had kept the key to the apartment for four days, and that every apartment complex would have charged me the same amount for the key because it was a rule which in fact that statement is false. I told him I would agree to pay for the key if that were the case, but XXXX dollars is not even reasonable for just a key. he asked me for my information as a forwarding address and I gave it to him saying he was going to send that amount for XXXX to the collections dept. I told him that, that was illegal misrepresenting such information, such amount, and such barbarity. Once I talked to the debt collectors and disputed it with them they were saying that the manager was charging me for only XXXX dollars. so I am confused. Why are the debt collectors only charging me that from his end, but yet at the time of the whole dilemma he was trying to charge XXXX dollars. to me, because I am the victim he was only trying to get fast and quick money from me but because he did not give me a real legal reason that day and moment as to why I owed him that amount other than blaming it on the key. the debt collectors are saying something completely different as well. they are saying that some is for unpaid utility bills for dirty rooms, unpaid rent etc ... etc ... which in fact are very false and fabricated. it has cause me much headache in these past few months because I started with XXXX credit and only after 2 years I have XXXX as my credit score, because of such false reclamations by this angry manager my credit is not as well as it potentially could be. it is not fair that because he has the authority and access to manipulate my credit in such way only because I would not give in to his greedy and blackmailing ways to tarnish my hard earned credit. the manager position in an apartment complex has a lot of responsibility and this man was not fair nor responsible in handling my business nor addressing any situation with me that day other than threatening me with my credit to give him XXXX dollars for which I did n't know what it was going into nor what for. that is why I do not owe this ridiculous amount. he should be the one to pay the debt collectors for their time and hassle of coming to me with something they are taking as a delinquency and I know is a false blackmail strategy that affects me in one way or the other I am personally damaged and financially damaged because of this and I will not tolerate it anymore. I want to take the respective action to have this dispute resolved as soon as possible so I can move on in a positive manner with my credit and my financial stand point
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a massive data breach and I am listed as one of those 143 million impacted. They did not disclose this for MONTHS and their executives sold stock before the announcement, violating numerous laws.
Their handling of this situation is unacceptable, and their only recourse ( free credit monitoring and fraud prevention ) requires you to sign up, then remember to come back in a week. All the while precluding you from suing them
Product: Checking or savings account

I opened an account with PNC bank on XX/XX/2023 based on a flier I received in the mail. The account was opened in the branch at XXXX XXXX XXXX XXXX in XXXX, Virginia. Following were the terms of the flier ( attached ) : XXXX. Earn {$400.00} in checking account if a qualifying direct deposit is made. 
XXXX. Earn an additional {$200.00} when a new Growth savings account is opened and an average monthly balance of {$10000.00} is kept for three statement cycles. 

I received the first promotion. However, I have not received the second promotion. I contacted the bank numerous times and they told me that they have made a mistake while opening the account and will correct it. However, it has been more than two weeks and they are just passing me from XXXX department to another and have stopped replying to my emails or returning my calls. 

I spoke to XXXX XXXX on XX/XX/XXXX and she asked me to send the promotion I received to her by email. I sent the promotion to her the same day. She replied on XX/XX/XXXX and said that it was their mistake and they would escalate it as it can not be fixed in the branch ( Email attached ) I got an email from XXXX XXXX from PNC bank on XX/XX/XXXX after the escalation asking for the copy of same promotion that I sent to XXXX. I sent it on XX/XX/XXXX. ( attached ) I did not hear from her after that and sent another email on XX/XX/XXXX to XXXX with a copy to XXXX. They never replied to the email ( attached ). 

I also called up the bank on XX/XX/XXXX and spoke to XXXX, the bank manager at the XXXX XXXX XXXX XXXX in XXXX and he said he will get back to me the same day. However till date I have not heard from him. 

PNC bank is involved in false advertising and deceptive practices to make customers open their accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was identity thefted, and all my disputes and reports keep getting ignored. This has caused me to not be able to get a mortgage, leaving me homeless for over 2 years. 
The ignorance is Discrimination. I will be filing civil rights if they do not remove their accounts from my credit report within 5 Days.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXXXXXX 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, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXXXXXX XXXX XXXXXXXX **** Balance Owed : {$860.00} XXXXXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$2400.00XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX XXXX XXXX Owed : {$3900.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance Owed : {$6800.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Via Certified Mail, Return Receipt Requested XXXX XXXX XXXX, Account Charged off. This account has been placed with XXXX XXXX XXXX XXXX For Collection. My disputed account reporting on my XXXXXXXX Equifax and XXXX Credit Report following investigation, and each credit bureau refuse to re-investigate, OR verify the accuracy information I disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018, I walked into the store XXXX XXXX  to purchase glasses, when I got there I was told their company is fairly new and is offering fianancing as an option to retain glasses, the sales rep was very adamant in me taking the fianance option. I did, I paid the intial application fee and first payment the said day, I went back to collect my pair of glasses. When I got there, XXXX the company of whom I leased my glasses from were already on the phone speaking to the rep, I was advised by the employee to advise XXXX that I had received my merchandise ( I had not looked at my glasses, or saw what it was, but I was told to tell XXXX I got my merchandise ) I did, I went home and opened the glasses case and there were no lens in my glasses, I called back and went back to the store, they told me they will have my glasses back to me within 1 week, I called XXXX at the time to stop the automatic payments that were supposed to be deducted from my account because I HAD GIVEN THE STORE BACK THE MERCHANDISE. I waited and called for about 2 weeks, and did not ever recieve my glasses back. I recently went back to the store after reviewing my credit report, which is being reported as collection and open, and was advised by the current employees that XXXX XXXX who was the employee at the time ) was no longer there & this institution had no knowledge or records of who I was. I called XXXX and spoke to rep XXXX in resolutions department who told me there was nothing he can do, as the balance is from 2018, I had no choice but to pay it. He also advised this balance had since been paid from an insurance claim filed by XXXX. I have disputed this entity on my credit report for years, and was advised by an Experian employee agent to file a complaint with your company.
Product: Student loan

I went to XXXX XXXX XXXX and I was about to start the XXXX XXXX program and due to unforeseen circumstances I did not attend. Made contact with XXXX before school begin to state that I was not going to attend and to suspend the loan. I was told that everything was good and clear and then I was hit with this charge on my credit report. I never received any letters or correspondence regarding this debt. I don't feel that this is lawful because I never got the opportunity to fix this if it were my fault. I have lived at the same address so I have not missed any letters or mail regarding this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother passed away XX/XX/XXXX. I recently found out there was an account with Global Holdings LLC. The account currently has {$1400.00}. It had several monthly service charges since the time of her death that I was able to find on their website. On XX/XX/XXXX I contacted them to inform that she was deceased. She passed away intestate. I was able to submit to the company her death certificate and an heirship affidavit, which has been all that was needed to handle any matters. The company requested documentation there was no will. I provided them with a statement from the probate judge that no estate was opened. Global Holdings wants a small estate affidavit now. This company just keeps moving goalposts. I stated that I could not get legal representation and file anything with the probate court. I requested this company to just close the account and go forward with their deceased closure policy. I can see that the account is still showing active.
Product: Mortgage

Early in XXXX I was ready to make my XXXX payment. When I went to do so my payment had increased in excess of XXXX XXXX a year. After numerous calls over several weeks and and a runaround I was finely able to find out it was an escrow increase? I paid the additional escrow in addition a few XXXX extra to accommodate the additional few XXXX that was still added. I have yet to receive any explanation for the additional money my mortgage has been altered without notification or description. Furthermore my loan document its state a specific amount for monthly payments. I also downloaded a program where it appears from XXXX the payment to escrow that have not been made by the company ) the emailed description the are doing nothing other then creating extra interest. Perhaps I am wrong with this but after a month and a half plus and hours with the company with nothing mailed even after requesting on every phone call after every runaround answer documents be mailed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor 08 XXXX XXXX XXXX XXXX XXXX XXXX Status XX/XX/XXXX XXXX XXXX XXXX Original Creditor 11 XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 01 XXXX XXXX Status Open Opened Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX XXXX XXXX Account Type Automobile Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX XXXX Account Type Utility Company Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX Account Type Secured Loan Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit
Product: Credit reporting or other personal consumer reports

I DO NOT have any idea regarding this fraudulent account on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

Unable to cancel my account with Experian without paying the monthly fee first but I don't have the money to pay it.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX