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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXXXXXX : {$290.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax is furnishing an account ( XXXX XXXX XXXX ). Equifax is furnishing an incorrect balance of {$1100.00}. This account is being reported opened on XX/XX/year> which is completely false. The original creditor isnt listed on my consumer report that Equifax is reporting.
Product: Credit card or prepaid card

My card has had a XXXX balance since XXXX. Company sent me refund for overpaying towards balance on card in XXXX. Company says they report their account info to credit bureau every month. My credit report still states a XXXX XXXXXXXX balance on the card on multiple credit report agencies as of XX/XX/XXXX.
Product: Mortgage

Approximately 8-12 months ago, PNC bank changed it's online banking system. 

My first statement after that double billed me for the monthly payment. I called and they said to ignore it as the system was buggy. 

The next month, I noticed that the " explanation of amount due '' section had incorrect amounts listed, but they totaled to the correct monthly payment amount. The principal and interest amounts seemed to be reversed, except they were still each off by a few XXXX dollars. I called to ask about it and they said they were working on it. I called again a few months later and they said they were still working on it. I called again a 3rd time and 4th and 5th in the following months and they can't fix it. The amounts don't add up. I requested an amortization table on the loan, but they said this is not something that they have. The payment breakdown changes every month depending on the number of days in the month. They did update my online banking statement to show payment history now ; but for record keeping purposes, future bank loan applications, and so that I can check on the progress of my loan payments ; I would like the monthly statements corrected. I have previously also requested that my past statements be resent with the correct breakdown amounts and correct remaining outstanding principal shown ; but they can not do that either. I have nearly a year of loan/mortgage statements that make no sense. I'd just like accurate records. This type of long term mistake on basic paperwork and the inability to correct it is concerning.
Product: Credit card

XXXX XXXX XXXX of the company, XXXX XXXX XXXX XXXX, XXXX called me in an attempt to collect on a very old debt. He told me I opened a Discover card acct. XX/XX/XXXX and I owed over {$20000.00}, but that they were willing to accept a settlement of {$1500.00} and then attempted to get a card number from me. He could not verify where I was at XX/XX/XXXX, which made me suspicious. I also asked him if he could send a letter of assurance to my email detailing that the {$1500.00} would indeed completely settle this debt and he declined, saying he would send a receipt after receiving the funds. I then asked for an XXXX to see what I could learn and possibly verify any of these details and he agreed, giving me his name and number. I looked at the XXXX where I saw a complaint where someone had given a card number to settle a debt and this XXXX was continuing to hit his card. I read more at various sites and was assured that this XXXX XXXX was indeed scammers. Way less than an hour had passed when I called them back and informed him I would not give him anything and to remove my number from his calling list. He then proceeded to threaten me with some kind of court action so I hung up. They do have my phone number, social security number and current address and it does make me nervous. I had already decided that I would not give these people any card or bank information, so in that, I feel relatively safe. It is my hope that they will not continue to pursue me in attempts to collect on what I had learned is a time-barred debt. I actually had my purse stolen back in the XX/XX/XXXX 's and was XXXX over the next years and was unaware of what was happening until now.
Product: Credit card

I have a Wells Fargo Home XXXX credit card through XXXX XXXX XXXX XXXX. My project total cost was {$1500.00}. The terms and conditions require that I pay this amount in full within XXXX year or forfeit the no interest agreement. My year end will be on XX/XX/XXXX. My terms and conditions require that I make a minimum payment each month. I had been paying more than the minimum payment. I made XXXX payments in the month of XXXX, XXXX. XXXX payment was for the XXXX amount due on XX/XX/XXXX. I also made a payment on XX/XX/XXXX for the month of XXXX. I pay my bills according to the bank deposit of my pension account. My pension is deposited on XXXX of the last XXXX or XXXX days of each month. Wells Fargo penalized my account with a late payment of {$41.00} because I did not pay the minimum payment in the month of XXXX. I have other credit cards and they do not penalize me for paying in the previous month. Most lenders are happy that I pay my bills. Wells Fargo continued to assess a late fee in the months of XXXX, XXXX, XXXX, and XX/XX/XXXX. I contacted the company and was advised by XXXX different individuals that I must pay the minimum payment between the dates of the XXXX and XXXX of the month. I reviewed my agreement from XXXX, XXXX. There is absolutely no mention of paying specifically in this time frame. The XXXX individuals with whom I spoke were very rude and condescending. They advised me that all lenders operate in this manner. I think this is a deliberate scheme to take advantage of XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. XXXX enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX, XXXX XXXX CARD SER XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX BANK, NA XXXX
Product: Credit reporting or other personal consumer reports

RE Account Numbers XXXX Mercedes Benz Financial Services, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Product: Credit card or prepaid card

First progress keeps charging me late fees when i call them & make a payment. I haver so many $ XXXX {$43.00} Late Fees thats been assesed to my payment
Product: Credit reporting or other personal consumer reports

I would like to follow u regarding the persistent issue of late open account associated with my account. Despite my repeated attempts to address this matter, I find it disheartening that I am now compelled to do so for the fourth time. Despite my efforts and the assurances I received, the late open account persist, tarnishing my credit history and causing undue XXXX and inconvenience. The repeated failure to address this issue is unacceptable and reflects poorly on your company 's commitment to accuracy and customer satisfaction. I have cooperated fully and provided all necessary information, yet the problem persists, with no resolution in sight. I demand immediate action to correct this egregious error. I insist that the late open account be promptly rectified, and any adverse effects on my XXXX XXXX resulting from this oversight be remedied without delay. Furthermore, I expect a formal apology for the persistent inconvenience and frustration caused by this ongoing issue. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX  Balance : {$290.00}.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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 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 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: Debt collection

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My bank sends monthly mortgage payment ( {$3000.00} ) to Provident Funding every month on time without any issue until this month. I was not notified until I got a letter from Provident Funding on XX/XX/XXXX. I called Provident Funding and was told : 1. Provident Funding received the payment ( {$3000.00} ) on XX/XX/XXXX. 
2. The monthly payment was increased {$78.00} from XX/XX/2020 ( but I wasn't notified. ) 3. There's a {$100.00} late fee for the {$78.00} short of the payment even I paid the total in full right after I was notified. 
4. Provident Funding knew my phone number and email address but they choice to mail me the notice, which guarantee it won't be received before XX/XX/XXXX. and they can collect late fee for this.
Product: Prepaid card

XXXX I purchased a prepaid Vanilla Visa gift card from XXXX ( XXXX XXXX ) and added a {$200.00} balance to gift to my daughter on XX/XX/23. 
XXXX She tried using it in store or online but was never able to. 
XXXX Upon calling the customer service number at the back of the card ( XXXX ), she was told the card was blocked for " safety reasons '' and to provide personal identification information like photo of DL ) through their website ( www.prepaidgiftbalance.com ). 
XXXX The website is not maintained and doesn't provide the option to do so. 
I believe this company is not acting in good faith, based on the numerous stories found online
Product: Credit reporting or other personal consumer reports

Experian refuses to remove old accounts on my credit report that are passed the statute of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, ENHANCED RECOVERY CO L 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Chapters
Product: Money transfer, virtual currency, or money service

NetSpend has locked my account due to the fact they said I used my password 6 times I missed it and that is not true because it was downloaded in XXXX and all I do is push that square and everything will come up they wouldn't let me in because I had two checks for {$250.00} that I need a cash to cash the first one but they wouldn't cash the second and they're both in my name and their from social security
Product: Checking or savings account

I opened an account at Key Bank on XX/XX/18 and deposited 3 checks totaling {$960.00}. The account was then blocked and closed on XX/XX/18, the funds have been disbursed to Key Bank, key bank has notated that the checks are counterfeit which I have contacted the banks that issued them and verified they are absolutely not counterfeit checks. Key refuses to release the funds to me because XXXX in Fraud has locked my account and the branch nor anyone else except for XXXX dept can give me any information on this but its an internal dept and I cant talk to them. This is extremely concerning
Product: Checking or savings account

I was charge thousands of dollars online from A website.. It clearly was fraud.. Most claims was filed separately ( more than 1 claim number ), but the bigger one was denied.. How did all my claims get resolved and refunded but the bigger one, when it all came from the same merchant?
Product: Consumer Loan

I took this loan out with americredit financial thru the car dealer XXXX in XXXX, pa. The loan was taken over by GM financial. I made my payments. When the loan was drawing to a close, they said i owed twice as much as what was actually due on my car. I questioned this when the loan was transferred from one company to the other, and no one would respond. Towards the end of my loan, I was also involved in a XXXX situation, that, given the amount they said I still owed on this loan, there was no way i could continue to pay it. The person i was involved with hacked my checking account and ran my account negative XXXX dollars. I had no choice at that time but to let them reposses my car enlight of everything.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of fraudulent accounts on my credit report resulting from recent XXXX data breach. This issue has severely impacted my ability to secure new credit. I appreciate your prompt attention to correct this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : XXXX XXXX Acct # XXXX Acct # XXXX Acct XXXX XXXX Acct # XXXX LENDING XXXX Acct XXXX XXXX XXXX BANK Acct # XXXX Acct # XXXX FINANCE Acct # All Accounts associated with this company/ XXXX XXXX XXXX XXXX  - All accounts listed with this company. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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. 1681sXXXX ( A ) ( XXXX ) 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

Since i Originally got this card, I have not been able to use it once. Initially after first getting the physical card, they blocked it when I attempted to use it then asked for further information which I told them i would not provide. Nor did i have to provide this information because I am the original creditor and consumer. They have since then not removed any such block nor have respected any of the previous complaints made on them, they have sent me another letter asking for information and admitting to stopping me from using credit and are causing me damages by disabling me from purchasing goods and services.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX and XXXX, I learned through my credit monitoring services that someone applied for and was approved for an account via XXXX XXXX and the credit inquiry was from XXXX XXXX and I did not open any accounts. I spoke with a representative at XXXX XXXX on XXXX who confirmed that an account was opened in my name and informed me that they would close the account and put a fraud alert on there. I have not been able to get in touch with them since that time as the " system is down ''. I contacted Equifax who put a freeze on my credit report and a fraud alert. I was advised to contact the XXXX and file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSOLIDATED NELNET LOANS WITH XXXX XXXX. CREDIT REPORTS HAVE NOT BEEN UPDATED BY EITHER XXXX XXXX OR XXXX CREDIT BUREAUS OR NELNET. MY ACCOUNTS FOR NELNET ARE STILL DISPLAYING OPEN AND CURRENT. ACCOUNTS WITH NELNET ARE PAID AND CLOSED. BALANCE NOT REFLECTING {$0.00} BALANCE FOR XXXX XXXX XXXX OR NELNET. XXXX XXXX XXXX ACCOUNT PAID IN FULL IN THE AMOUNT OF {$250.00}.
Product: Money transfer, virtual currency, or money service

I purchased a used XXXX bag from a person on an XXXX called XXXX ( like XXXX ). I Zelle her {$2000.00} in full amount ( her zelle account is XXXX and my zelle is XXXX ). She said she is living in Texas, but per the tracking number she gave me, it is a package shipped from XXXX from XXXX. 

She refused to provide my any evidence of the shipping label fee she paid. And as I know, she is also trying to sell XXXX bag valued over {$10000.00}.
Product: Debt collection

Someone else was sent a PDF of my collections paper work with person information on it and how much is owed. Nothing was sent to me and was not contacted at all that i was in collections.