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

I have a checking account and HELOC at  PNC  Bank. I deposited a check for {$45000.00} on Friday  XX/XXX  On Monday  XX/XX , the money posted to my checking account. On   XXXX  , I made an online transfer from my checking account to the HELOC. On  XX/XX , the PNC website showed that the money had posted to the HELOC. So, I made a {$9300.00} payment to the  XXX . PNC rejected the payment due to NSF! Now, I will be fined by the  XXX  for a rejected payment. PNC refused to acknowledge that this was their error. They claim that they are allowed to place an automatic one-day hold on internal transfers between their own accounts! This is a misrepresentation on their part since their website showed that the funds were available.
Product: Credit reporting or other personal consumer reports

Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections XXXX ( XXXX ), XXXX ( XXXX ), and XXXX Your Information : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Credit Reporting Agency Name Equifax XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX Complaint Details : I am filing this complaint because there is a charge-off on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). 
Specifically, the charge-off listed undeXXXX XXXX XXXX XXXX is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : XXXX. Section XXXX ( XXXX ) This section mandates that all information reported about me must be accurate and reflect the truth. 
XXXX. Section XXXX ( XXXX ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off XXXX have been reported inaccurately due to a lack of proper verification. 
XXXX. Section XXXX This section requires that all disputes be investigated and resolved within XXXX days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section XXXX ( XXXX ), the credit reporting agency is obligated to report only accurate information, and Section XXXX ( XXXX ) requires that the information has been reported with a legitimate permissible purpose. Under Section XXXX, they must complete a full investigation within XXXX  days of my dispute. 
I believe the charge-off is inaccurate for the following reason ( XXXX ) : This information must be verified and evidence of the investigation sent. 
I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report. 
XXXX Requested : Ensure that the charge-off is verified or deleted in compliance with FCRA Sections XXXX ( XXXX ), XXXX ( XXXX ), and XXXX. 
Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off or paid down 6 accounts on XX/XX/2019. It says on all 3 credit reporting agencies that my accounts were updated on XX/XX/XXXX, yet none of my accounts show that anything was paid on them, but they are showing amounts that are much higher than my available credit line. The most I have gone over was {$1.00} and that was report ONE day after it went over, to the credit reporting agencies, even before I knew and was never notified. It shouldn't take months to update paid down or paid off accounts when going over {$1.00} of a credit limit is reported within a day. I also filed discrepancies, with all 3 credit bureaus, over a year ago, and I was told the discrepancies needed to be addressed within 30 days or be removed. I never heard back from anyone. Unfortunately, the credit bureaus are NOT reliable or trust worthy ... seeing I am an American citizen and have been dealing with this ridiculousness since I started working and illegals, who have NO background, social security, no paying taxes, have 1 small line of credit, if any at all, and have 800+ credit scores. Completely illegal, and discriminatory.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

Originally, the collections agency made no attempts to contact me. I found out about an alleged debt from XXXX through a negative report on my credit report. I disputed the negative report on my credit through XXXX  and it was temporary resolved. Radius Global Solutions still made no attempt to contact me directly. 

Several months later, I got a notice from Radius Global stating I owed a debt to XXXX for {$450.00}, and stating that I had the right to dispute via email. I emailed Radius Global Solutions and let them know that I have never had an account thought XXXX and the debt didnt belong to me. 

They did not answer the email and I saw another negative report from them on my credit report. A day after the negative report, I got a letter saying Weve completed our investigation and the debt is valid. With no further information or validation. This company failed to provide any proof that the debt belonged to me, even after me letting them know it is not mine. 

Radius Global Solutions has negatively impacted my credit score without providing the proper notification or validation of the alleged debt. XXXX has also confirmed via chat that I do not owe them any debt and that I should have no hits to my credit from services I did not have.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I purchased a grill from XXXX XXXX XXXX XXXX using cash app, which is directly linked to my bank ACCOUNT XXXX XXXX. The total cost that I transferred the merchant was XXXX. It is now XX/XX/XXXX and u have yet to receive the item. Cash app stated they have no buyers protection, and my bank said they have no dispute rights however I was scammed by a legitimate company, not a friend or stranger.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I do not consent to e-oscar verification. XXXX XXXX XXXX furnished inaccurate information to credit reporting agencies. No consent by definition is identity theft. I extended XXXX XXXXXXXX XXXX  no consent, permissions or authority to share/sell/trade my personal non public information. I have suffered direct losses and have struggled significantly as a consumer directly due to the misinformation and defamations furnished erroneously by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX   XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a problem with JCPenneys Card Services. The problem with them is that from time to time they are pulling my credit report. I dont know why they are doing this. I havent applied for any credit cards with them so they dont really need to pull my report. Their inquiries are hurting my credit background and they are unnecessary. 

They need my permission to pull my report and they havent asked me for my consent to do so. 

I want someone to contact them about this and ask them to stop pulling my credit report. I would like them to leave my credit report alone.
Product: Mortgage

XXXX XXXX XXXX XXXX  sold my home loan of 18 years suddenly and without warning on XX/XX/XXXX to Specialized Loan Servicing LLC. The Covid-19 crisis in XXXX has left me out of work and not allowed to return to work until stage four of the recovery. Specialized Loan Servicing LLC is allowing our loan payments to compound and is demanding a lump sum payment as soon as the XXXX XXXX District Court reopens during phase one of the recovery or foreclosure. Specialized Loan Serving LLC refuses to modify the loan. One representative even verbally agreed that " Yes. This is predatory. But you agreed to it legally. '' This experience is not surprising after years of predatory and abusive tactics by the original lender, XXXX XXXX. Discrimination, reverse red lining, etc. This loan is a predatory loan dinosaur that pre dates the Housing Crash of XXXX and is a shell corporation used by XXXX XXXX to liquidate sub prime loans off the books. Over the last eighteen years we paid a vast fortune in interest at 7.25 % and now the Covid-19 crisis is being used by XXXX XXXX and its associates to prey on consumers even further. Specialized Loan Servicing LLC is a shell corporation set up by XXXX XXXX to circumvent banking regulations.
Product: Checking or savings account

I am a landlord and took one month 's rent as a security deposit in XXXX. The amount was {$2200.00}. I opened the " tenant lease account '' or security deposit account at Chase bank in XXXX  XXXX. 
When my tenant moved out on XX/XX/XXXX I went to a branch to close the acct and get the money in it to give back to the tenant. They closed the acct. They said I would get a check sent to me PAYABLE TO THE TENANT XXXX XXXX within 10 days. That was about 60-days ago. I have been to the branch twice and got no resolution. Then I made 2 separate appointments at the main branch and sat with the manager of the main branch XXXX XXXX. On the last visit ( last Friday ) I was told it was escalated to a " case. '' That case # is XXXX. This is Chase Bank. The phone # for this dept is ( XXXX ) XXXX. I have called and gotten a person 's voice mail and they did not call me back. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have XXXX by law to return the security deposit. I can be sued. It is now 60 days!!! The amount due is {$2200.00}. The acct that held this money was # XXXX. The company name is XXXX XXXX XXXX. I am XXXX XXXX. I need this money that belongs to my ex-tenant As soon as possible!!!!! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized charges to my accounts on my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. The following is the fraudulent account that I need to be removed by this company : 1. XXXX XXXX ACC # XXXX, Date Opened XX/XX/XXXX, I am attaching the dispute letter/documents I sent to this company
Product: Debt collection

I called Key 2 Recovery Inc at XXXX XXXX to get my account information so that I can pay off a debt. They gave me the information and I told them I would get the bill payed in full. Then at XXXX XXXX I received a call from them which I declined due to being at work. Then I received 4 more calls at XXXX, XXXX, XXXX, and XXXX. They called me 5 times within 13 minutes! That is harassment and it is NOT okay. I answered the phone on the 5th call and told the person I was working and can not make the payment until later. I use to work for a collection company. I know this is wrong, especially since I had already spoke with them and told them I will be paying. This is not acceptable.
Product: Debt collection

XXXX, Divisions of Corporations, an official State of Florida Website shows XXXX to be registered ( # XXXX ) on XX/XX/year> under a fictitious name. The owner is listed as XXXX XXXX XXXX without an FEI/EIN number. 
The credit fraud and deceit occurred when I gave a company repreentative named XXXX my XXXX XXXX card to pay for it in full. He asked for my phone so he could complete the transaction. He returned my XXXX XXXX, gave me a reciept to sign showing the words XXXX and the last four digit of my XXXX XXXX ] A short time later I received an email from a financial company AFFIRM stating I will pay {$100.00} every month for 36 months which equate to approximately {$3900.00}, adding {$1500.00} in interest. I received no application, terms, or options regarding this credit charge. I was not aware I was to be charged by this company. 
Each time we tried to engage XXXX as to his promise of returnnhis manager XXXX prevented this. XXXX told of us, in XXXX presence, he recalled I wanted to pay this amount if full. He then attempted to placate us by using my phone to enter a Dispute of the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX Balance Owed : {$21000.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : 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 602 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 crime 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 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

On several attempts Ive tried to contact Equifax to inform them of some inquiries on my credit report I do not recognize. Under the FCRA 604.15 inquiries are only to be pulled for insurance, employment, court order. For this reason, none the these inquiries fall under those circumstances. XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX (XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). These are not my inquiries and I did not authorized them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my consumer report and I've notice several fraudulent inquiries reporting on my profile The following inquiries are Fraudulent TRANSUNION : XXXX XXXX  Inquiry date : XX/XX/XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX card Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX card Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

On Tuesday, XX/XX/XXXX, I withdrew {$200.00} from a prepaid card at a Commerce Bank ATM and received XXXX {$50.00} bills. I immediately used my Commerce Bank debit card to deposit these funds into my checking account. The machine malfunctioned and gave me a receipt stating that there was an error processing the request and to call the Customer Service number for the bank. I called the number while at the ATM and spoke with a gentleman who advised that it would take 3 days for the bank to investigate. On Thursday, XX/XX/XXXX, I called the Customer Service number for an updated stated and was advised that it could take up to 10 days for the investigation to be complete and that if I have any questions, to visit the branch. I went directly to the branch and spoke with an assistant manager, who said that she would try to have the {$200.00} deposited into my account and that she would call me by end of day. I did not receive a call from her and the funds have not been deposited into my account.
Product: Credit card

I had a Macy 's credit card for a few years. This past summer, I saw several large fraudulent purchases that almost maxed out the credit card that I did not identify and called Macy 's to discuss the matter. At the time, they very graciously removed the charges from the account and sent me a new credit card. Shortly thereafter, there was once again a suspicious charge on this new card. I immediately called Macy 's and had the second card cancelled. I paid the remainder of my purchases in full as there was only one concerning charge -- the rest were made by me. Because this was the second time this happened with the Macy 's credit card, I no longer wanted an active account with them as I was worried that somewhere this credit card was being compromised and did not want to deal with this again. I spoke to customer service on the phone who ensured me that the account was paid off in full and the account was closed. This was in XXXX. 

Since then, unbeknownst to me, the account was NOT closed and there were some random fees and late charges being added. I was not even aware that the account was even open for that to be happening. It was not a large amount ( approx XXXX dollars once the fees were added up ), but enough to cause me problems. Once I realized, I called again and spoke to someone who reiterated that my account was in fact closed and that I would not have to pay any of these charges since it was not even open. However, one month later I received another notice that I was delinquent on my account and it would be reported to the credit bureau. I called once again and was told the same thing -- that my account was completely closed with Macys and that I would have nothing to pay. However, two late payments were already reported to the credit bureau ( after the account was closed ) and today, much to my surprise, I have an active Macy 's credit account for {$900.00}! And, of course, I do not even have a physical card because the account should have been closed! 

This has been an incredibly stressful experience as I have called many times and have been told that the account is closed each time when it was in fact not closed. I was subsequently charged several " fees '' and " late charges '' that I was not even aware of and which were then reported and dropped my credit score! I have never missed a payment and now I do not even know how to fix this issue. The worst part is knowing that I still have an open account with Macys!