23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I filed a complaint against PNC due to the loss of my debit card on XX/XX/2023, I feel that they are retaliating against me regarding a dispute of charges with a company named XXXX for scamming me with the wrong product and giving me the wrong address. PNC Reference Number XXXX sent XX/XX/2023, denied my dispute however do not state why. I called PNC on XX/XX/2023 I was hung up on or on hold for a long time just to get this dispute addressed. In addition, PNC does not give the call center information regarding the dispute which is extremely stressful. 

PNC should be held accountable to make sure that I have all the information requested regarding this dispute however when you call the call center they do not know what is going on. The dispute transaction is for {$26.00} Reference Number # XXXX I sent all the information regarding to this dispute and I was scammed by this company. I believe that PNC is retaliating because I complained against them for another matter.
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

-My social was provided and i was awarded a XXXX in that transaction This mean I HAVE EVERY RIGHT TO OPT OUT Under 16 1681b I never gave you written consent to report anything dealing with my personal information you gave away my name street address and put me in great harm You also are defaming my character and ruining my reputation made it impossible for me to get a safe home to live in because of this image you are publicly reporting to the world. 

During the last complaint you acknowledged every violation and then went on to say that you are reporting accurate information this response is not valid enough to stand with my dispute because the reporting agencies Transunion XXXX and XXXX is not a govermented agency They also are in violation with this criminal activity because they are considered a third party company you mentioned you are doing business with a third party company and with my personal information WITHOUT ME KNOWING AND AGREEING. I will be sending over a invoice per violation if the removal of XXXX is not honored. 

Also you mentioned you are reporting accuarate information but the information is completely wrong across all three agencies because i checked on each report there is different info reporting cant be accuarate if Im seeing XXXX total different reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, account number XXXX. XXXX XXXX {$1900.00} Closed Unverified. 
XXXX, Now Account number XXXX. XXXX XXXX {$4400.00} Closed Unverified. XXXX XXXX, Account number XXXX {$430.00} Closed UnverifiedXXXX, XXXX Account number XXXX {$370.00} Unverified U.S. Dept of Education Account number XXXX {$1700.00} Never attended that School Unverified XXXX XXXX XXXX, XXXX XXXX used cars XXXX Unverified XXXX XXXX XXXX Unverified XXXX XXXX XXXX Unverified In accordance with the fair credit Reporting act XXXXAccount # 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 cunsumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I have a complaint against the current mortgage company who has my loan Nationstar Mortgage. Despite my pleas for help they have not opened up a review of my financial information nor assigned a single point of contact. Instead they have scheduled a sale date of my home for XX/XX/XXXX. Nationstar is the XXXX different bank to hold my loan. I have been trying for a long time to fix this problem of my delinquent payments but every time I seem to be getting some traction the loan gets transferred. I am employed and have owned my house for 11 years and want to save it. This is a conventional loan that I believe is backed by XXXX. I just heard that there were some new programs to help homeowners with conventional XXXX loans and I think I could qualify. My interest rate is 7 % and I have suffered a real hardship the last few years. 

I have worked in construction for over 30 years and had steady employment and money in the bank when I bought my home. Like millions of Americans, I was blindsided by the recession and found myself in and out of work for the next couple of years. I was still making my mortgage payment each month, but the writing was on the wall that it would be difficult to maintain. I reached out to my servicer at the time to apply for help. ( I believe it was XXXX XXXX or XXXX at that time ). They told me that even though I had an obvious financial crisis going on, they would not consider my application unless I was behind on my mortgage loan. So I took their advice and stopped making my payment in order to be considered for mortgage assistance. I started the modification process but within a matter of a few months I was being threatened with foreclosure by the agents at the bank. So I had to scramble and borrow money and do whatever I could to get caught up on the loan. But the problem had not been solved, I was still barely staying afloat. 

I hung on as long as I could but eventually due to the high payment vs. my income and sporadic unemployment I fell behind. I tried to work with all of the companies who held the loan -- XXXX, XXXX, XXXX and every time that it seemed I was making progress the loan would get transferred. I have never been assigned a designated point of contact by Nationstar and have never had a review completed. I deserve to be considered for these new XXXX backed programs, as well as all other government and in house programs that Nationstar has available.
Product: Debt collection

Account ending in XXXX On XX/XX/2020, I received a letter and a fraudulent contract that infringed upon my rights as a consumer. On or about I mailed USAA a Debt Validation Letter and Cease and Desist Letter by certified mail dated XXXX XX/XX/2020 and they were in receipt XXXX XX/XX/2020. In return, they sent me the fraudulent contract as an answer to my request. I sent a notarized Affidavit of Truth outlining their violations, another cease and desist detailing my remedy, copies of my exhibits, and an invoice for my violations. Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Removing a 30 day late recorded in XX/XX/16 and removing a 60 day late recorded in XX/XX/16. 

I had opened up a secure credit card and began using it to help build my credit rating. I was told to use it and then pay it off every month to maximize my score. I had maintained a {$0.00} balance for almost two years on this credit card. One day I was notified that I had an outstanding balance and that it hadnt been paid for 2 months. I called to inquire about this outstanding balance because I had always paid it to {$0.00}. I was given no answers on what the charge was for and had my credit significantly lowered as a result of this mistake. 

I am unable to get anyone to provide details on why these late payments were recorded on my credit profile. This is severely impacting my credit score and prohibiting me from securing financing on a home loan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX has violated my rights. 
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 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 a account without my written instructions
Product: Checking or savings account

I recently opened a Bank of America checking account again after it closing in XX/XX/XXXX. I had been with that banking institution since XX/XX/XXXX. Well I went to deposit my payroll check inside my local Bank of America branch that I have gotten since XX/XX/XXXX and was told since it was a new account that I could cash out {$200.00} and would have to deposit the rest. Then I got a receipt from the bank teller stating the funds would be available on XX/XX/XXXX at XXXX. Well I woke up the next morning and saw my online banking where the hold was extended to XX/XX/XXXX at XXXX XXXX and was not told why this hold was extended. I have contacted several people at Bank of America who will not give me a simple straight answer. I got my payroll on XX/XX/XXXX and they indicated that they have sent the necessary files to validate my payroll funds and I still can not get access to my payroll check. I went to a local branch today and was told by the Bank of America 's assistant manager there that I should go put a stop payment on my check and drive out of town to the XXXX XXXX XXXX Bank Location to cash my payroll check. My employer is with the XXXX XXXX XXXX and a XXXX and uses XXXX XXXX XXXX to pay us our payroll checks. I have gotten no resolution whatsoever from Bank of America and they still will not explain to me why my payroll check had a hold extension placed on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX To XXXX, Equifax And XXXX Dispute Department, I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. On the next page I have included a screenshot highlighting in yellow each violation as proof. Please Update the following to Paid As Agreed Immediately. 

Update XXXX XXXX XXXX to paid as agreed/never late because of multiple inaccuracies. 1. In the " Payment History Sections '' of the listings. XXXX and XXXX is reporting that I paid in XX/XX/XXXX. However Equifax is reporting that I am 30 days late. How could this be? 2. In the " Last Payment sections '' of this listing. XXXX and XXXX is reporting ( XX/XX/XXXX. ) as my last payment. However Equifax is reporting ( XX/XX/XXXX ) my as last payment. 3. In the " Open Date Sections '' of this listing. XXXX and Equifax is reporting ( XX/XX/XXXX. ) as of the date the account was opened. However XXXX is reporting ( XX/XX/XXXX. ) as of the date the account was opened. These dates are inconsistent. Don't you get your information from the same company? 

I take this matter very seriously. 
" Iv'e included my Dispute Letter with Proof highlighted in yellow and a copy of my State Drivers License and Social Security Card.
Product: Credit card

My credit card was stolen along with my wallet on XX/XX/XXXX. 
I called Bank of America XXXX XXXX Fraud department immediately when I realized my card had been stolen and a purchase had been made. 
I gave the Fraud claim representative my credit card information as well as the charge that was made at Marshalls with my stolen card in the amount of XXXX. 
The Claim representative asked me to call back on XX/XX/XXXX with the police report case number. 
I called on XX/XX/XXXX with the police report case number to the Bank of America XXXX XXXX fraud claim number. 
The charge on my credit card from XXXX that was made with my stolen card was posted to my credit card account on XX/XX/XXXX. 
I called Bank of America again to follow up on the claim since the charge did post to my account almost 20 days after the fraudulent charge. 
Bank of America fraud claim representative indicated that they would escalate the issue so that it would be resolved quicker. 
I have followed up with Bank of America XXXX XXXX XXXX claim deparetment about 7 times to see why the issue hasn't been resolved. 
It has been 90 days since I had my wallet stolen and the fraudulent charge of XXXX from XXXX happened.
Product: Debt collection

I get several calls a day from a company called Spot Loan and when I answer the phone they hang up. They leave messages when I am not there to answer with a call back number I 've tried calling them back to see why they are calling me but they usually do not answer. Today I got a rep on the phone claiming I have a loan with them which I do not. I want them to stop calling me. I 've asked them to stop, they will not.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my ongoing dissatisfaction and concerns regarding the disputed account associated with my credit report. Despite multiple previous disputes, my concerns remain unaddressed. There are still significant issues with the reporting of this account, and I seek your assistance in rectifying this matter. 

XXXX, XXXX and Transunion response is that they completed their investigation and the account is reporting as accurate. However, discrepancies in the reporting of this account still persist, indicating that a proper and thorough investigation was not conducted. Moreover, my repeated requests for original documentation, signatures, contracts, and details regarding the verification method for this account have been left unanswered, raising serious concerns about the transparency and accuracy of the reported information. 

In addition to the aforementioned issues, I would like to bring your attention to specific violations of the Fair Credit Reporting Act ( FCRA ) : 1. Privacy Rights ( 15 USC 1681 Section 602 ) : I assert my right to privacy, and I expect that the handling of my dispute adheres to these privacy rights.

2. Written Instructions ( 15 USC 1681 Section 604 A Section 2 ) : According to FCRA, a consumer reporting agency can not furnish an account without my written instructions. In this case, I have not provided such instructions.

3. Timeliness of Payments ( 15 USC 1666B ) : As per FCRA, a creditor may not treat a payment on a credit card account as late for any purpose.

In light of these FCRA violations and the adverse impact on my ability to obtain credit, I urgently demand the deletion of the reported 30-day late payment on this account. This inaccurate information is hindering my financial opportunities and creating undue hardship for my family.

Your prompt attention to this matter is appreciated, and I look forward to a swift resolution.
Product: Credit reporting

I have contacted Experian on four different occasions in regards to accounts being reported on my credit file. The accounts are XXXX {$1700.00}, XXXX/ XXXX. After properly disputing these accounts four times i received a letter from Experian stating that i needed to contact the collection company. I have contacted the collection company and they responded with a letter stating that they have already verified these accounts and sent a billing statement. I have NEVER received any verification from this company and i sent experian the letter i received. Experian still refuses to remove these accounts from my file even after getting proof that these accounts can not be verified.As per the FCRA verification of accounts must include contract or original signature, in which this company XXXX has provided either one. Billing summaries ARE NOT considered to be valid verification of accounts. In regards to XXXX / XXXX, I have multiple disputes with the company and Experian credit bureau, This collection has been removed from all other bureaus including XXXX and XXXX because the bureaus did not receive accurate verification from the collection company. So how is it that Experian magically verifies and reports information that could not be verified and deleted by the other XXXX credit reporting bureaus? Experian has not sent me information in regards to how they have verified these accounts and this is against the FCRA. I have the right to request information that is being reported in my credit file, and the right to recieve documentation on how these accounts were verified. Neither documentation has been sent to me and that is a violation. FCRA 611:6b Notice of re-investigations states that i SHOULD receive a notice of investigation, and that a description of the procedure used to determine the accuracy and completeness of the information shall be provided to me. I have not received any of this information which leads to me to believe that Experian is willfully withholding information in my credit files from me. This is my last and final attempt to resolve these issues before i contact the FTC and Attorney General 's office. I have been completly ignored by this company and my disputes has gone unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please double what you provided me as a method of verification again you can check the second attachment that you XXXX XXXX sent me on the fax number. Tell me please what type method of verification is that? I need a consumer contract with my signature on it and this account opened XX/XX/2009 that's what shows me on the credit report. 
as required under Section 609. furthermore you have failed to provide the method of verification as required under Section 611 you are required to promptly DELETE all information which can not be verified. 

Despite three written requests was sent and you have received my all the letters, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors  documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation a consumer contract with my signature on it. as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. as well XXXX   XXXX XXXX called XXXX Central time again and they told me we don't have that request for at this time in my attachment as you can also see what they provided as a method of verification this is clearly The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to  enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 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 is the inquiry that is reporting on my Credit Reports : XXXX Date of Inquiry XX/XX/2020
Product: Debt collection

Wakefield And Associates Legalinc Corporate Services Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : The Office of Registered Agent for Wakefield And Associates Inc My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate acting trustee Wakefield And Associates on XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX  private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation forMonetary damages.

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 


Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX. ( account # Account number XXXX as I have previously filed a complaint with Federal Trade Commission and Consumer Financial Protection Bureau due to Identity Theft because of Data breach. XXXX XXXX  has reported collection on my credit report # Account number XXXX OPENED ON XX/XX/XXXX XXXX XXXX XXXX Account ending XXXX I DO NOT HAVE ANY CONTRACT WITH XXXX XXXX XXXX NITHER DID THEY PROVIDE ME WITH any Original contract with my signature on it with their COMPANY. XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX AC # XXXX Date opened XX/XX/XXXX PLEASE SEE ATTACHMENTS : REPORT FILED WITH FTC and I have also filed a complaint against them on XXXX.
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : XXXX - Account # : XXXX Company Name : XXXX XXXX - Account # : XXXX Company Name : XXXX - Account # : XXXX Company Name : XXXX  - Account # : XXXX Company Name : XXXX XXXX - Account # : XXXX