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

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Checking or savings account

On XX/XX/XXXX, I deposited a check for {$13000.00} to my personal checking account at Chase which was made out to my girlfriend. It was an escrow account check. We both endorsed the check. The Bank verified with me at the Branch on XX/XX/2022 that the funds were available and in the account. I withdrew part of the money. When I returned home on the evening of the XXXX, I had a notice that Chase had placed a hold on the account until the twelfth. No reason was given and they told me I was overdrawn. When I tried to find out why a Chase representative told me I had to take the check payee and myself into a branch and meet with the manager to properly identify the transaction. I did this on XX/XX/XXXX. On XX/XX/XXXX, I went to a branch to wire money from my account. I was told my account was restricted and would be closed. I was told I had not appeared at a branch with the payee. The branch manager confirmed I was there with the payee but the bank would still not release my funds, telling me they would need to mail me a check for the proceeds in XXXX days. XXXX days passed-no check was mailed, and now they say they have to verify the check with the maker. I have not been able to make my XXXX XXXX XXXX XXXX payment for his college and is he is XXXX next week. I do not know what to do.
Product: Payday loan, title loan, or personal loan

To whom it may concern- I had an issue with the payoff of a Citizens One Bank XXXX term loan. My account was setup with monthly auto-payment and my last payment was due on XX/XX/2019. Citizens was unable to debit my account on the due date. I received an email on XX/XX/2019 stating that they were unable to process the payment. That same day I called to process a one time payment of {$50.00}. The next day I looked at my credit card statement and I had duplicate payments taken. I had completely paid off the loan and their system still debited my account after I made the one time payment. I have called Citizens Customer Service multiple times and I kindly asked for them to reverse the duplicate payment and it has been months with no refund. I am formally asking for my refund plus interest. It is important to note that the customer service representative said that this is an issue that impacts multiple borrowers and there is nothing they can do. In her words " I just have to wait ''. This has caused consumer harm. 

Thank you!
Product: Payday loan, title loan, or personal loan

Tower Loan in XXXX Louisiana has been calling family members on numbers i did not authorize over the last couple months. On XXXX around XXXXXXXX XXXX, An employee of their company showed up to my house and was showing my paper work of what i owed to my sons mother without even knowing who she was. They were requesting money or payment on my account from her.
Product: Debt collection

In XXXX 2014, we bought a TV from Conns XXXX with an offer of 0 % interest if we paid in 24 payments ( months ). We divided the total amount including insurance into equal payments which we automatically paid off in 6months ( XXXX 2014 ). A year later, we received a non-dated letter offering us an increase in credit line because of our " positive payment history ''. At the same time the letter shows a current balance of # XXXX. So we called the company to find out what was going on. The customer service agent said to ignore it if it did not have an account number. It was a way for them to market their products. Our deal with them was over a year ago. However, right after our call, their collection department started calling us and leaving urgent messages. We called again and they said we owe them {$24.00} insurance. We said we do not have the paperwork that is already old and for us paid off. We asked for a written correspondence with explanation of this amount. It has been 3 weeks since we asked for this and nothing came in the mail. 
Starting on XXXX XXXX their collection Department put our home number and a mobile phone on a 2 hour robocalls and we have been receiving those calls from about XXXX in the XXXX till XXXX in the XXXX. 
We attempted to block the numbers but they kept changing numbers. We are now at XXXX local numbers and XXXX XXXX number. 
We appreciate any help you can provide and advice for the next step to stop this merchant from harassing us. 
Respectfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX last year there were some hurricanes that affected several states including ours. We were contact by XXXX offering to provide a 90 day grace period on mortgages. We contacted the bank and took up the offer. We were told that prior to the 90 day period ending, we should contact the bank to make arrangements for payment. We went in to a local branch assuming that the payments would just be added to the end of the contract. NO - they wanted the three back payments at once. We are retired and on a fixed income and let them know that. The local office gave us a number to contact which we did. In the meantime, we got a letter threatening foreclosure on our XXXX XXXX property. We tried dealing with the Bank but were getting no where. We contacted your office and you sent our complaint to XXXX. There response in XX/XX/XXXX was to take our XXXX XXXX home off foreclosure and extend the 90 day grace period for another 90 days ( we don't have to pay until XX/XX/2018 ). WE DON'T NEED OR WANT THAT. We have been making our regular payments ON TIME since the first 90 day expired. However, what we have found out is that they have reported us to the credit bureaus as late on both my report and my husbands. According to the email that offered the grace period XXXX wasn't going to report this option as late. Also on our monthly bills, the amount that shows as due is the full 90 days PLUS the current month. We have no problem with making the current payment but there is no way to pay 3 months back payment.
Product: Credit card or prepaid card

I was advised for the first time ever I owe over {$700.00} in interest that I was wrongfully charged. I was brushed off & treated condescendingly/unfairly/discriminated against. I have always paid my bills on time & have never paid interest. I was lied to on numerous occasions regarding this interest. I want it removed off of my account.
Product: Credit reporting or other personal consumer reports

I have been calling and usps mailing this bank my information to delete the mortgage and or remove it from my credit reports since 1st letter mailed XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the XXXX and FINAL letter XX/XX/XXXX. I am attaching the divorce decree that proves i have no legal right to this home and am requesting you remove the account immediately. 

This defaulted late payment account has now hurt my credit score and made me not qualify to buy a home here in my now home state of Washington.
Product: Credit card or prepaid card

While checking my credit report, it showed I had 2 new accounts, which I knew wasn't true. I looked at what was new, and 1 was correct, but I also seen the another new one was opened, that I did not open or request. XXXX / XXXX is what is showing for the company name. It was opened on XX/XX/2022, account is a credit card, with a {$1000.00} limit. Highest balance shown is {$39.00}. Another thing I noticed, when I looked at my personal information, it is showing a previous address for me : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, which is also showing that address was reported on the same date the card was opened, XX/XX/2022. I have never lived in XXXX. This is apparently where you need to look for who opened the account. This person needs put in jail for identity theft. I did not open the XXXX / XXXX card, and it needs to be closed and removed from my credit report!! I tried calling the company and refused to give too much information, bc there's no reason why they need my birthday and social security number. I know nothing of this company, and they don't need more of my information than what they already fraudulently received. I asked them to close the acct. They refused to help me without me giving them my information, they told me if I don't tell them that's my problem and they hung up on me. Very odd. Non English speaking, very hard to understand. Not willing to help.
Product: Debt collection

15 U.S. Code 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

This company is in violation and performing an infringement upon a consumer 's right to privacy.
Product: Mortgage

Home values have increased dramatically in my area. I believe my LTV is high enough to drop the PMI on my loan. I have had offers to purchase on my home above the required appraisal amount to drop my PMI. I went thru the process with Quicken and paid {$550.00} for their appraisal. The appraiser neglected to count one entire floor of my home and counted only 1/2 of my total livable square footage in the appraisal. Even though he included pictures of XXXX floors and a floorpan in the appraisal. None of the comps used had more than half of my homes square footage. The appraisal was obviously in Error. Quicken has denied my request to drop PMI and appraised my home at the original value I purchased it for over five years ago. Something needs to be done to rectify this obvious false appraisal.
Product: Credit reporting, credit repair services, 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, 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 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 reporting, credit repair services, or other personal consumer reports

I have submitted a dispute over 30 days ago and also sent a letter to citi bank for reporting a late payment for an account that was in forbearance due to covid 19 they sent me a letter saying they can't find my account yet reporting negative information and have caused me serious damages
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 2 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX Account # xxxxxxxxxxxx  XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

I'm asking for Debt Validation... According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : XXXX XXXX and XXXX XXXX XXXX have violated my rights. 1. I want a detailed list of payments made by me on these accounts. 2. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor. 3. I'm asking to see if there has been any insurance CLAIMS found on these debts. 4. I want proof that you have the chain of title to collect on these debts. Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title. You ; XXXX XXXX and XXXX XXXX XXXX have violated all ABOVE laws
Product: Vehicle loan or lease

Santander usa, made arrangement with me on this loan, and then repoed the car, they would call my phone and tell me that I was going to XXXX  if I didnt pay my car note, they would call all thru out the day ring my phone and hang up and then call back and ring phone and then when I would tell them I spoke with someoen they would hang up on me. I had moved to Georgia when I purchase the car they didnt update my new address they kept sending stuff out of state which I resided in XXXX, GA never sent me an 10 days notice to pay the bill, or 10 days notice for my rights to get the car back, they kept all my items and sold the car. Then sent me a bill for the same amount of the car saying I owed it. When I asked them to provide me the information on how much they sold the car for and copy of my 10 days notice to regain the car back i never got any information from them. They kept hanigng up the phone on me and never trying to resolve the account except I owed. TO date they are reporting me negativly to the credit bureas on the car as though Im late and they charged this account off years ago. I demand they remove this from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Late Payments Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX XXXX XXXX XXXX XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX XXXX XXXX XXXX XXXX Account is Closed please remove off from my credit report unauthorize inquiry XXXX XXXX XXXX XXXX XXXX Account is Closed please remove off from my credit report unauthorize inquiries XXXX XXXX XXXX XXXX XXXX  Account is Closed please remove off from my credit report unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry please remove off of my credit report XXXX XXXX XXXX XXXX XXXX  Charged off account unauthorized inquiry please remove off my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unauthorized inquiry please remove off credit report
Product: Debt collection

This collector has been calling every single day multiple times for the past 10 months. I have printed out phone records and dates written down of each time they 've called and on multiple occasions I told them I did not have the funds. I tried blocking their phone numbers but they continuously call every single day with a different phone number at all times of the days and nights. It has not been one day in between that they have not called me in months trying to collect a debt. I finally broke down today and told them they are harassing me.
Product: Checking or savings account

I had opened a dispute for {$1100.00} because I had paid for a product and service I did not receive, the first dispute was filed wrong by the pnc employee so it was denied and the second was filed properly but then they closed my account without notifying me and they closed the account with a dispute open on it, which if I walk into a branch and try to close XXXX account with a dispute open, they tell me XXXX not allowed. However how are they allowed to close my account with a negative balance while I have a dispute that has not yet been resolved open, and then They turn me into collections for said accounts negative balance. I have spoken to executive client relations and they state that the merchant who I was supposed to receive the product and service from has said that the transaction was valid however it was not which I explained to the representative and they did nothing. Of course the merchant is going to say its valid because they are covering their own XXXX, yet pnc has caused a negative impact on my credit, my bank card score, and closed my main checking account all based upon false information from a salon. I find this unacceptable
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. XXXX : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX : # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX 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 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 XXXX 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 reporting, credit repair services, or other personal consumer reports

The Credit Bureau stated that this account : " XXXX XXXXXXXX '' : XXXX- was properly investigated, but how is that possible if the courts never reported to the Bureaus as per document that is attached? The Credit Bureau 's did not have permission to document inaccurate and false information. This is ground for removals and they violated my rights. I tried to reach out to them via mail and still not response. The law states if it can not be proven, then it needs to be removed. I XXXX   these accounts to be deleted immediately or I will follow for litigations for stress and suffering its causing me. 


The law clearly states a consumer reporting agency can not furnish a account without my written permission. Please remove this account.
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX Access my account Was it me I began purchases cell phone five ( 5 ) in one year I purchased a XXXX No Preinstalled It had XXXX XXXX installed by XXXX XXXX After XXXX sold them the phones I returned with reciept to no avail I called USAA rep said I love XXXX XX/XX/XXXX Statement {$190.00} CREDIT XX/XX/XXXX {$190.00} NEW CHARGE I do not think one man should be able to make me pay for what I do not want I AM TRYING TO PREVENT IDENITITY THEFT If more banks held cell phones accountable IT WOULD HELP THE INTERNET SECURITY
Product: Mortgage

late fees, every time I would ask for late fees to be waved over the past 30 years they never would. poor pratice in handling money from a house firer claim for repairs. also I was change for the inspection by theri company during the XXXX {$120.00} when the inspector lied, they allowed the contractors to lie about the repairs on the house when it was not true, I asked the lost dept not to release anymore money to the contractor, they did anyway I had to pay {$10000.00} to have a lein removed by the contractor. which i signed a noe lien contract and Wells Fargo would not help me dispute this claim
Product: Debt collection

I have on three separate occasions had debt collectors try to collect a debt that is from XXXX for XXXX . this account belongs to my father, who has the same name as me, and I have explained this to the credit bureaus as well as the initial debt collector. I have also explained that I have never had service through XXXX or any other cable/internet provider.