23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Convergent Physical Address are charging me a money what I dont owe from XXXX XXXX, I called XXXX XXXX to tell them what they are charging me a money what I dont owe because I return the equipment to the XXXX and XXXX Store XXXX XXXX what they connect everything in the system with XXXX  to cancel everything with them because XXXX XXXX was the company what offered me a line for XXXX  with a XXXX sold by XXXX  but I dislike the phone and I returned the XXXX to XXXX and they told me what they cancel automatically on the system the line because I never used it, look my receipts proof what show what I received my refund from XXXX and they canceled the line with XXXX  because they was the company in charge to do it, I let them know it to XXXX XXXX it and XXXX XXXX is washing them hands telling what collection company is the company in charge to delete the account. And at this moment I dont know who was the irresponsible company : XXXX XXXX XXXX? Or the collection company? The true is : I never used the line because I returned the phone and line directly to the XXXX XXXX. 
They are charging {$150.00} and it is a crazy thing because like I am saying you I never used the account the line never used everything was returned to XXXX XXXX with line and everything.
Product: Other financial service

I made a purchase on my XXXX credit card of {$2700.00} XXXX dollars. At the time this would exchange at {$2000.00}. Going through PayPal I was charged 2-1/2 percent ( {$53.00} ) -- - {$2100.00} -- -which is almost XXXX times the bank card rate.When I complained to PayPal they said that I had agreed to this in some general consumer contract and that I could not choose to have the XXXX dollars be charged directly to my card. There was no mention of this excessive charge in the Pay Pal transaction. The Information is well-buried in the consumer agreement so I could not avoid the charge. I feel that this is an abusive and deceptive practice
Product: Debt collection

The collection agency has not agreed to correct the item. 

Have requested them to remove this from my credit report.
Product: Credit card or prepaid card

Im am trying to make a purchase for an assistant on XXXX that I need to meet me for a medical procedure with my Citi rewards MasterCard. Its has been automatically declined. Ive called XXXX, Citi, and MasterCard numerous times. The issue falls in MasterCard who has been extremely unhelpful, Ive spent 3 hours trying to resolve this so I can have a medical procedure tomorrow. One MasterCard rep laughed at me, another the call disconnected, another is trying to help and Ive been on hold 45 minutes. This is ridiculous that I am in constant pain and desperately need to have a procedure and Mastercard is preventing me from doing so.
Product: Debt collection

XXXX XXXX from XXXX Collections started harassing me via text message to my phone on XX/XX/2023 regarding a debt he claimed I owed. He threatened to report this debt to a credit bureau. I told him he was mistaken but he insisted that I had not paid for services rendered. This statement was completely false. Neither the doctor 's office nor the doctor 's billing department was able to provide any information regarding an unpaid debt. XXXX XXXX continued to harass me with the false claim of unpaid debt. I contacted my insurance company and was told that at no time was any doctor 's bill denied payment. The doctor 's office told me that the office no longer works with XXXX XXXX and suggested it was because of his unethical behavior. The office manager from the doctor 's office told me to disregard any contact from XXXX XXXX, who continues to claim I have unpaid debt.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I was devastated to find a number of errors on my report. This has absolutely enraged me as I am looking to get and build credit and this gross misrepresentation of my credit is inhibiting me from being able to do so and in turn effecting my day to day life. My interest rates have skyrocketed and this is having a dismal effect on my life and ability to purchase necessities for myself and family
Product: Credit reporting or other personal consumer reports

XXXX has the account listed as " open '' ; XXXX has the account listed as closed. The date in which was reported has a XXXX discrepancy. The last payment date was only reported by XXXX and the last active date has a XXXX discrepancy. By the provisions of the Fair Credit Reporting Act of 1970, 15 U.S.C 1681 et seq, I demand that this item be reinvestigated and deleted from my credit report for these inaccurate and fraudulent reporting.
Product: Credit card or prepaid card

Target XXXXCard services member since XXXX of this year and the company is ignoring my constant attempts to contact them regarding Fraudulent activity on my account. The payments I have been making are showing returned when the money is in my account. I accurately input my information several times to make my payments on time. Please investigate this as the TargetXXXXCard company nor their CSR agents care to help me. I have tried repeatedly to resolve this matter. I have contacted Target XXXXCard at XXXX as well as their customer service e-mail to no avail. I am being inaccurately charged fees because they are unhappy with my becoming upset due to their negligence. I dont mind paying what I owe but dont keep intentionally Returning payments to cause me to have to pay more fees because your company is in trouble. For gods sake I am a XXXX XXXX XXXX paying for health care and medical supplies needed to sustain life. Help me please!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account explaining that it was inaccurate as there was different information being reported by each report bureau to which I know it was inaccurate. The last payment date is incorrect as well as the open date. I received no response from the copy stating what their resolution was. I also asked for a copy of my credit report each time. I disputed this account numerous times using screenshots to show how the inaccurate information violated the FCRA section XXXX & XXXX as nothing was consistently reporting. I asked for the account to be deleted by my request was simply ignored.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( XXXX ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit card or prepaid card

On XX/XX/19 I deposited XXXX to pay the remaining balance on a trip that evening that had to be paid for by XX/XX/19. Went to try to pay it. It declined my card so I went to a atm and tried it. It declined. So I then tried to transfer money from it and it declined it. I called no one there to answer. So I had to chat with a computer. And the only answer I would receive is that it must of triggered a security issue and there is nothing they can do. So finally on Monday XX/XX/19 it finally let me transfer funds. But on XX/XX/19. Still no funds. This company due to this cost me from going on a trip and lost the money I paid in it. Due to this. Something needs to be done about them holding our money captive and not releasing it. Venmo is owned by PayPal who does this all the time to people. They need to be stopped. I did not know till yesterday. I closed my paypal account long time ago for the same thing. And now for Venmo to do the same thing and owned by the same company. Yea something is up then.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XXXX and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Product: Debt collection

Subject : Debt Validation Dispute - Request for Removal from Credit Report To Whom It May Concern, I am writing to formally dispute the debt reported by XXXX and Credit Control, regarding a debt allegedly owed XXXX. I previously requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ), but to date, I have not received the required validation documents. I am requesting that you immediately cease reporting this debt to the credit bureaus until proper validation is provided. 

According to the Fair Credit Reporting Act ( FCRA ), Section 1681s-2 ( b ), you are required to report accurate and complete information to credit reporting agencies. Under FCRA Section 1681i ( a ) ( 1 ), I have the right to dispute any item on my credit report that I believe is inaccurate or incomplete, and I am entitled to a full investigation of that dispute.

In addition, under FDCPA Section 809 ( b ), once a consumer disputes a debt in writing and requests validation, the debt collector must cease collection activities until they provide the required validation. It has been [ insert the number of days since your initial request ] since my request, and I have not received any documentation verifying the debt or proving that I owe the amount stated.

Failure to validate the debt within the time frame outlined by the FDCPA requires you to cease reporting the debt to the credit bureaus. Therefore, I request the following actions : Immediate removal of the alleged debt from my credit report, as it has not been validated.

Verification of this debt, including documentation from XXXX that it is valid and that you have the legal right to collect on it. 

Cease any further collection efforts on this debt until proper validation is provided. 

If you fail to respond with proper documentation of this debt, you must remove it from my credit report as required under the FCRA and the FDCPA. 

Please ensure that your investigation is completed and that you provide a response within 30 days of receiving this letter, as required by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit card

Discover disputes handling isnt fair. I talked to one of their representatives on the phone and they wanted me to communicate to the merchant and have them agree that the package isnt delivered which I dont think thats how the dispute works. I have supplied Discover with ample documentation as consumer as to what information that is available to me proving that I didnt receive the package that I ordered from the merchant which resulted to this dispute. The documents I submitted to Discover consist of documents showing how my signature looks like which is a mismatch from what XXXX  provided. I also have uploaded a copy of Drivers license as per their request alone with a XXXX  claim. As well as the email I received from the merchant when the order was placed that the signature is required. I expected that I will be the only one who can sign for the package but the package was sent with indirect signature which means that anyone in this location can sign for it. As a customer I shouldnt be liable for paying something I didnt receive and Discover needs to address and handle the dispute fairly without any form of judgment. 

Throughout the call with them, their representative made statements that signature changes from time to time and implied that it was my signature even though its not part of her job to make judgments. Disputes should be handled based on the information and documentation provided by both parties ( consumer and merchant ). 

I need my dispute case XXXX reopened!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is willfully and negligently being noncompliance with Federal Law violating my federally protected rights. I have sent multiple correspondence asking for a letter including the method of verification used to determine the accuracy of the accounts and the employee contact information and a signed contract for the accounts you are alleging derogatory and you failed to provide it as that is my rights under the FCRA.I am not disputing ownership nor am I disputing anything, you guys have did multiple reinvestigations verifying the accounts with no proof, which is always a violation of my rights. You are way pass 30 days and the following accounts listed below shall be removed as the FCRA states if ( requested proof is not provided within 30 days the accounts should be removed ) If the following accounts are not removed after you willfully failed to provide proof upon requested, I will proceed to litigation as Transunion is not insuring there grave responsibility to accuracy and ensuring my consumer report is fair and equitable to me. Any damages I continue to endure from your willful noncompliance and negative impact on my livelihood, Transunion assume civilly liable. I have also not received disclosures from Transunion as obligated under the Gramm-Leach- Bliley Act which is also in fact a violation since Transunion is a financial institution which is also violating my Federally protected rights. 1. XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX  ( Balance XXXX ) 6. XXXX XXXX XXXX XXXX and XXXX has also complied and removed the accounts, I am giving you this last chance to rectify this issue.
Product: Mortgage

XXXX XX/XX/XXXX, Wells Fargo failed to provide honest service to the United States Currency free-item ( XXXX ) Promissory Note Goods, i traded with their Agents due to " proprietary '' reasons. 

1 ) foreclosure matters SETTELED & DISCONTINUED XXXX ; 2 ) United States of America Department of State Authentication XXXX XX/XX/XXXX ; 3 ) Unconstitutional ( Evection ) XX/XX/XXXX FORCED REMOVALE ; see attached : 3 ) Identity Theft Affidavit OMB form 14039 XXXX XX/XX/XXXX ; 4 ) Internal Revenue Service verified identity theft claim letter XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2023, CFPB did not solve my problem with the three credit bureaus. They fail to correct the problem. So I am filing again to bring attention to this problem. I pointed with CFPB in XX/XX/2023 and the credit bureaus were slow in responding to the issues a hand : In according with the Fair Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under : 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 15 U.S.C 1681 sect 602 A, states ; : I have a right to privacy '. 
15 USC 1681 sect 604 A subtitle 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 ( c ) - ( a ) ( 6 ) section states no consumer reporting agency may make any of the following items of information, any other adverse information, other than records of convictions of crimes which antedate the report by more than seven years. 

15 USC 1681 s - 2 ( A ) ( 1 ) A person shall not furnish any information to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate,
Product: Checking or savings account

Bank of America has charged me overdraft fees on numerous occasions. When there was no right to issue the fees.
Product: Debt collection

The account in question was removed and started reporting again. The debt collector failed to validate the debt and also failed to prove that the debt indeed belonged to me.
Product: Mortgage

I have been struggling for over a year to work out a modification with PNC bank due to unemployment in 2013. We got to the point of short sale in XXXX, at which time I was assigned an attorney to represent me in the proceedings. PNC denied offer to purchase at the beginning of XXXX, since then they have refused to take the law firm off of my account as primary contact and have not spoken to me claiming that I need to remove attorney authorization. We have repeatedly emailed and faxed PNC with the requested letter from attorney. Last week I submitted another modification request asking PNC to consider modifying mortgage based on their - PNC Agent - BPO - value of {$60000.00}. I am still unable to speak with them, they refuse to change the attorney information. I had another foreclosure hearing this morning. PNC 's improper refusal to discuss my own account with me, for over 30 days, has negatively impacted my ability to work with them on a modification and avoid steps in foreclosure. As of this morning, the court has set a sale date and they STILL refuse to speak with me. It has been communicated to PNC numerous times that the authorization I originally signed allowing attorneys to speak with PNC about my account contains no cease and desist language at all. This is the final straw in the long list of ways they have kept me from working out a deal to keep my home. PLEASE help me. They have lost my paperwork, requested the same documentation over and over, claim they ca n't leave me voice messages, I did n't initial XXXX page of a XXXX page document, etc ... ... I want to keep my house, I am employed again and have been, I also have additional income with my father living with me. Their practices seem to be unethical. The refusal to speak with me is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I made XXXX payments of XXXX and XXXX. I was only due an amount of {$35.00}. Later that same day all of my credit cards were stolen by a student. I call all the companies to have the accounts closed and be issued new cards. XXXX told me I needed to send in proof of new address in order to receive the new card. I have since sent in the information 3 times and have yet to receive my card. I called in early XXXX to inquire about making my XXXX payment towards my account and was told by the representative to hold off until I receive the new card. On XX/XX/XXXX I received notice from the credit bureaus that my score had dropped XXXX points for a late payment. I called and spoke to another rep and he told me he could see on the screen where the other rep told me to withhold payment and we disputed the charge only to be neglected. Neglected because i was never told that the XXXX payments of {$190.00} were returned back in XXXX. Returned because they waited over a week to seek the payment. Ok I tried my best to get them to retract the 30 days late to no avail. I make a payment of {$70.00} to cover XXXX 's missed payment and my XXXX payment. So now its XXXX and it says no payment due. I have screen shots. So im trying yo get my credit score in order so I pay {$55.00} on XX/XX/XXXX which brings my account under XXXX XXXX. I receive notice today from XXXX XXXX that my score decreased. Its from XXXX. The payment in the XXXX was counted as XXXX days late even though my account says no payment due. I thought payments had to be past 30 days to be reported. I called 2 times today. One told me she couldnt hear. The second gave a bunch of information that made nothing clearer and the 3rd hung up on me. Im now XXXX points down on my credit score and would like for the company to fo the right thing and correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}. 
JPMCB CARD XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}