23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I requested to have my mortgage payments deferred for three months from PNC Bank. The representative I spoke with over the phone told me that the entire payment, both the principal ( ~ {$1400.00} ) and interest ( ~ {$2200.00} ), would be deferred. The representative told me that I would need to sign some documentation at a PNC branch location in order to complete the request, and I was told to wait for their phone call when the documents were ready to be signed. I received no phone call or further contact from PNC Bank and did not sign any documents which I was told needed to be signed. I did not make my mortgage payments for the three months for which I had requested deferral. However, XX/XX/2020, PNC Bank took {$8800.00} from my account without any notice. I called PNC Bank multiple times to complain about the charge to my account and was told that it was for four months of interest. I spoke with XXXX XXXX, who was in charge of the commercial mortgage department at PNC Bank. He was very rude and unhelpful, even informing me that this is the first time anyone has complained about this issue. PNC Bank did not want to resolve the issue and return the money to my account which never should have been taken out. I hired an attorney, and on XX/XX/2020, my attorney sent a letter via certified mail to the PNC Bank legal department. I have still not received any response. 

I feel as though I have been scammed by PNC Bank. Firstly, because I was told that both the principal and interest of my payment would be deferred. My interest is much higher than my principal, so there is no reason I would request a deferral if the entire payment was not deferred. Secondly, I was told that I had to sign documentation at a local PNC branch, but I never signed any documents from PNC Bank regarding my deferral request. If I had been informed that the interest would still be charged, I would never have made a deferral request at all. Thirdly, my regular payments were supposed to resume XX/XX/2020. However, instead of being charged my usual monthly payment, I was charged for four months of only interest, even though my deferral request was for three months. I was charged an extra month of only interest. I spoke with the local PNC branch manager about my situation, and she informed me that 9 out of 10 people have complained about the same issue. Lastly, as a result of PNC Bank 's wrongful withdrawal of {$8800.00} from my account, I was unable to pay rent for my business and I am now facing a lawsuit from my landlord.
Product: Prepaid card

My name is XXXX XXXX I was a customer of rushcard for 3 years. On XXXX/XXXX/2015 a direct deposit of {$720.00} was deposited to my account. On XXXX/XXXX/2015 my account became frozen and I was unable to get any monies. I had just moved to XXXX from XXXX because of my job. I had to borrow money from my job and coworkers because I moved down here alone to help pay my rent and bills On XXXX/XXXX/2015 was was given {$430.00}. When I called the customer service to complain about the monies that was n't on the account.I was on hold for 2 hours and they stated that was paid in full. The CSR staed that the transactions from me going to the ATM took off {$3.00} each time I checked on my monies. I change accounts for my direct deposit and they state they do n't owe me anything. Rushcard owes me {$290.00} plus compisation for putting me behind in my bills and still owe co-workers for helping me.
Product: Credit reporting or other personal consumer reports

The late payment in question is reported by [ experian ) for the period of [ XXXX 2024 of late payment ]. I believe this information is incorrect and does not comply with the requirements outlined in the Truth in Lending Act ( TILA ), specifically section 1637 ( b ) of Title 15, which mandates that creditors provide accurate and complete information regarding the terms of credit, including payment history.

Furthermore, according to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, furnishers of information must report accurate details. The late payment reported does not reflect my true payment history, and I request that you investigate this matter in accordance with 15 U.S. Code 1681i. 

XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX LATE PAYMENT : XXXX  XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried calling Pro Collect serval times, and I was put on hold each time then the line would hang up every time. I would like to delete the account and get documentation that the account has been deleted. We were under the assumption that the account would be deleted after the amount was paid. We have a receipt from XX/XX/XXXX of 2022 showing the account has been paid off. The account has my name on there and my fiance XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under the guidelines of the Fair Credit Reporting Act, it is stipulated in 15 USC 1681 section 602 ( a ) that consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumer privacy. Early Warning is recognized as consumer reporting agencies, and I, as the consumer, have the fundamental right to safeguard my private information, as reinforced by 15 USC 6801, which mandates financial institutions to uphold customer privacy and safeguard their nonpublic personal information. Wells Fargo being financial institutions, falls under this mandate. As per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish a consumer report with explicit written instructions from the consumer concerned. Wells Fargo nor the consumer reporting agency Early Warning have my consent or written authorization to share this information. Any prior consent, whether verbal, non-verbal, written, or implied, is hereby revoked. Additionally, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of information disclosures to third parties. Wells Fargo failed to inform me of this right, violating the law. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization, which they have done without my permission. Furthermore, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, it is unlawful to furnish inaccurate information to consumer reporting agencies, and these agencies must maintain reasonable procedures to avoid violations. As per 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, and I am choosing to exercise that right and opt out of the reporting services provided by these agencies. Lastly, per the Privacy Act of 1974 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; this includes cosumer reports. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX. The late payment in question is reported by XXXX XXXX XXXX XXXX for the period of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TRANSUNION. I believe these late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I ordered my XXXX XXXX XXXX report and my entire banking transaction 's are listed in that report. According to XXXX XXXX XXXX the financial institutions I have banked with over the course of my entire banking history, my bank has provided them access which was in direct violation of my privacy. These individual banks are in clear violation of the terms and conditions the provided me, ensuring that they would not provide my banking information to non-affiliates. XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX are non-affiliates and have been given my personal banking information. I have not received even one opportunity to opt out of said reporting, which my personal information never should have made its way to these third-party companies. These companies are in clear violation of 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. 

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed the FIRST Request letter to XXXX, EQUIFAX and XXXX to investigate/verify and delete incorrect accounts on my credit report. I have sent the letter with proof of my identity. 
On XX/XX/2022, I sent the SECOND Request letter requesting for XXXX, EQUIFAX and XXXX to remove all the incorrect information since I have not been notified or showed the results of their investigation within 30 days. Sent Certified mail. The credit reporting companies XXXX, EQUIFAX and XXXX are not complying with their own polices in a timely manner. 
On XX/XX/2022, I sent the THIRD Request letter demanding XXXX, EQUIFAX and XXXX to delete these incorrect/inaccurate accounts from my credit report since it has been over 30 days. Sent Certified mail. 
I have certified tracking numbers given to me by USPS that prove the receipt of this letters. 

Unfortunately, I started this complaint on XX/XX/2022 and the companies have not responded by the laws set up by the Fair credit reporting act and removed the information since they have had more than 30 days to verify and remove the false information from my report. 
I want this incorrect/inaccurate information immediately deleted from my 3 credit reports. 
These incorrect/inaccurate accounts are hindering me financially and preventing me from providing a better life for my family. 
I want XXXX, EQUIFAX and XXXX to immediately delete these incorrect accounts from my credit report that do not belong to me. They are affecting my finances. Please delete the following accounts from my XXXX, EQUIFAX and XXXX reports : # 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  # 6 US DEP ED XXXX
Product: Mortgage

I made my XXXX mortgage payment early in XXXX 2014 to XXXX XXXX XXXX. I then received notification that as of XXXX XXXX, my loan servicing was being transferred to PennyMac. My XXXX payment was never transferred to the new servicer, and now I am getting notices that I am in pre-foreclosure, I have had 30 day lates reported to my credit report, and I have been assessed late fees monthly. I have called and spoke to PennyMac multiple times, along with the numerous phone calls and letters they contact me with accusing me on being behind on my payments. This has been going on for months, and they seem either unable or unwilling to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX insurance. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to XXXX that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX insurance paid XXXX XXXX  in full. I have already disputed the information with the company and the status just states at investigation open and nothing is ever done because they say they can't read the documents provided
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately.
Product: Vehicle loan or lease

I previously filed a complaint on Santander Consumer USA for not complying with FCRA regulation in regards to reporting to credit reporting agencies they maintain under my SSN. Although they have provided insufficient information through CFPB, they have failed to respond to additional information I have requested via Certified Mail such as : - Not applying payments to the original amount financed - Incorrectly reporting the terms of the loan agreement to credit reporting agencies - Refusing to change my address on file - Not responding to my request for information in regards to the repossessed automobile I financed with them as per the State of California and UCC 9.506 as well as State RISA and MVISA statutes, as stated : " a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemptions and cure time limits were adhered to. '' I have allowed them plenty of time to respond to my letter certified mail to them on XX/XX/2020 considering the difficulty they may have faced because of the current Pandemic situation, however, I have not received any updates.
Product: Credit reporting or other personal consumer reports

Please remove this account from my credit report as it is not associated with me.
Product: Mortgage

I submitted 2 mortgage payments to Ocwen Financial, one on XXXX/XXXX/2016 and XXXX/XXXX/2016. Both payments were not credited to my account until the next day resulting in erroneous reporting to credit bureaus. I made the same payments on another mortgage with XXXX which both were credited the same day. Ocwen is the only company that will not post payment same day resulting in additional late charges and erroneous delinquent credit reporting.
Product: Debt collection

COLLECTION COMPANY SYNERPRISE CONSULTING Account number XXXX REASON : THIS ACCOUNT DOES NOT BELONG TO ME
Product: Checking or savings account

I found out on my business checking account the charge of {$14.00} on date XX/XX/2023, another on XX/XX/2023 and another on XX/XX/2023, Bank of America requested to fill up an unauthorized ACH Return form, that I did on XX/XX/2023. After that Bank of America refund XXXX of XXXX charges and send me a letter saying that the third one could take up to XXXX days to outcome. How Bank of America let another company withdrawal any amount from a checking account without a writing authorization for that?.
Product: Debt collection

I am the third party. 

On Tuesday, XX/XX/2018 my wife received a voice mail at XXXX from XXXX with XXXX XXXX XXXX. I called them back and they confirmed they were a debt collection agency and that they were attempting to contact our neighbor, XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX. 

We have no relationship with this company. We have no relationship with, nor even knew of the existence of, their customer XXXX XXXX. 

This company randomly obtained the phone numbers of people living close to Mr XXXX and decided to call his neighbors in an obvious attempt to shame him. This is an unfair collection tactic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am writing this complaint because I reviewed my credit report recently with my banker and it looks like i have a few accounts that either the balances are incorrect or i have no idea what they are. I requested an investigation from the credit bureaus ( transunion, XXXX and XXXX  ) I haven't heard anything. 

I sent a letter to all 3 bureaus on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021
Product: Credit reporting or other personal consumer reports

This letter is to Formally dispute the following account listed on my credit report. 

Account Type : Loan Creditor Name : XXXX  Account Number : XXXX I am disputing the validity and accuracy of this account because I have not received any debt validation notice from the Credit or collection agency responsible for this account. The fair debt collection, practices act, FDCPA, requires them to provide written validation of the debt within five days of me requesting it ( 12 CFR 1006 .34 ( b ) ( 5 ) ). Since I havent received such validation, I can not verify the legitimacy of this debt. 

Request for verification and deletion : Therefore, I am requesting that you initiate a full investigation into the account and demand verification from the creditor or collection agency listed in my report. 

This verification should include : The original credit of the debt, if applicable The amount of the debt The date the debt was incurred. 
Proof that I am legally obligated to repay this debt. 

If the creditor or collection agency can not provide valid verification, and validation, within 30 days of my inquiry, I demand that you completely delete this account from my credit report. 

Credit reporting obligation : The Fair Credit Report FCRA 15 USC 1681 requires you to ensure the accuracy and fairness of the information on consumers credit reports. By not receiving proper debt validation, this account remains unverified and potentially inaccurate. 

Thank you for your prompt attention to this matter. Please investigate this dispute thoroughly and provide a written response within 30 days of receipt of this letter. 

The response should include : Details of the investigation, conducted regarding verification with the creditor or collection agency. A revised credit report, reflecting any changes made based on this dispute. 


Sincerely, XXXX XXXX