23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

This complaint is against gateway One Lending and Finance. I am submitting this complaint because I have been trying to work with this company for quite some time. To make matters short, they have been very troublesome to work with. 

In the end I had an agreement with an individual named XXXX XXXX who stated that if I paid off the remainder of a balance that was owed for a vehicle loan I had with them then they would report it on my credit report as paid in full and they would release the pink slip. Besides the fact that I still disagree that i owed money as I made more than 5 years worth of payments on a 5 year loan, I still paid them to get them off my back and get the pink slip. 

I check my credit report and the account is not showing up as paid. Furthermore, an individual named XXXX XXXX was treating us disrespectfully. he stated that the pink slip was never sent because they did not have my address on file. I do n't see how they didn ; t have my address since the settlement letter that was given to me had my address on it .... I will forward it to you. Then, when I presented that fact to him, he kept talking over my husband and made some pitiful excuse as to why the pink slip was n't sent and why the address was on the letter and not in their system. I feel like I was lied to in order to get me to pay them. That is coercion. Unfortunately for them I am familiar with the law. XXXX Fair Debt Collection Practices Act states that no one engaged in collection activities which includes original creditors can lie to you in order to collect a debt. If they do not deliver what was promised I will sue them. 

That was n't the end of it. He also started insulting us by stating that the account had n't been paid and that our concern seemed petty to him. it is not his place to question his companies policies. It is also not his place to try and belittle us, which he did. They should not treat customers especially ones who paid them this way. He even seemed arrogant when my husband told him he would be filing a complaint against him and said that his manager was unavailable when we asked for him. How convenient. 

Again his name is XXXX XXXX and this complaint is as much against him as it is against Gateway One Financing. Please assist me in getting them to do what was promised before I have to sue. They are now holding me hostage with the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Checking or savings account

Wells Fargo allowed us to withdrawal an amount of almost {$300.00} when we do NOT have the overdraft protection service. A transfer that we made from savings account probably didn't go throught We contacted them but their representatives told us that they made a decision to make the money available to us, which doesn't make sense. We wouldn't like to use the cash if the money was not actually there, and now we have a debt that we didn't ask for.
Product: Credit card or prepaid card

I never opened the card and reported it a lot of times to the bank, they still keep sending me bills and reported on i a credit bureau.
Product: Credit card or prepaid card

Late payment being applied after due dates. 
Bill mailed and received and payment sent out ASAP. 
not applying payment Wafting to applied late payment. 
I have had this card for well over 25 years and never have had any Late payments. 
I have been applied to 2 late payments in last months No help from card company.
Product: Credit reporting or other personal consumer reports

on XX/XX/23 a letter was sent to experian disputing some incorrect personal that is currently reporting on my report. I have yet to receive any correspondence letting me know that my request was even processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of this information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing is : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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
Product: Checking or savings account

I opened an account with FNB ( https : //www.fnb-online.com/ ) and funded my account with the required minimum. After opening the account, two issues arose : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Day 1 : The required minimum ( {$50.00} ) didn't show up in my account or as pending, which is fine, but I called support ( chat was also available but was taking a while to move up in line ). Prior to being able to access support, I was asked about a pin number that I hadn't set, somehow I got past it but I'm not really sure what I did. The CSR said I should have put the last 4 of my social in, but I wasn't directed to do so in the call, I think I hit XXXX # and just hoped it gave me an agent. I ended up asking the CSR about if my funds were showing up and she told me there was nothing pending and I'd have to resubmit the deposit. I went to link my bank and it said to check back in 1-2 business days after the small deposits were made to verify, which is also fine. The next day ( today ) I logged into my other bank to see that the {$50.00} was debited, so I'm not sure why the CSR didn't have access to that confirmation at all.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Day 2 : I went to log into the account and was met with a form asking for the last 8 digits of my debit card, which of course I have not received since it's barely been 24 hours. I called the bank 's support and provided my SSN, DOB, Address, DL # in order to verify identity, which is another thing that is fine, but that's because I didn't have the account number or debit card # which is locked behind the bank 's login that I can't access one day after opening the account. The CSR today recommended I go to a branch and get a temporary card in order to log in, but that the closest branch is 30 miles outside of the city I live in, so they ended up recommending that I wait until the debit card gets here. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Both customer support reps were great and easy to talk to but it seems like there is a large communication issue at FNB and also too many hoops to jump through for things that other banks do not have issues with. The CSR I spoke to today ( Day 2 ) said I'm " definitely not the only person '' to have this issue and that my feedback about it being unreasonable would be passed along, though I doubt anything will be done if this is an ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, i noticed discrepancies listed under the following names ; XXXX Collections XXXX and XXXX XXXX  XXXX. These account i do not recognize and were asked to be validated properly, which wasn't. They are still reflecting on all XXXX credit report and is still negatively affecting me. I do not believe the account belongs to me or the collection company has authorization to atempt to collect on the account. Please strike and remove these collections from all XXXX credit bureaus. 
15 USC 168 section 604 ; StaXXXX right to consumers privacy- reporting agency can not furnish an account without MY written consent
Product: Credit reporting or other personal consumer reports

There are hard inquiries on my credit report that were not authorized by me and are negatively affecting my credit profile. I have already contacted the credit reporting agencies to dispute these items and provided sufficient evidence to support my claim. However, the inquiries remain on my report. The disputed inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am seeking the XXXX assistance in having these unauthorized inquiries removed and ensuring the credit bureaus comply with the FCRA.
Product: Checking or savings account

I wired a Fraudulent company {$5000.00} from my personal Chade account on XX/XX/2022. 
After the company took back their truck, fired my driverI requested a refund. XXXX XXXX XXXX XXXX XXXX XXXX refused to refund my {$5000.00} deposit. I Spoke to my institution many of times. Chase reached out and never got back to me with what this other Bank said. My Bank will not refund this wire to a fraudulent company.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX has an account on my credit report in the amount of XXXX.That is past 7years old.Theres no last payment date on the report.The information is not accurate.I would like it removed.The credit reporting agency is All 3.
Product: Credit card

I became aware of this Identity theft on about XXXX XXXX I noticed numerous fraudulent charges that I DID NOT complete on XXXXXXXX XXXX XXXX XXXX, and several credit cards account had the same fraudulent transaction with this XXXX. I did not authorized any of these transactions. I have relayed this information to the credit cards company disputed charges for months. But there is no resolution or resolve the issue. I really do need help to resolve this problem for once. I still keep receiving phone calls and statement from XXXX XXXX regarding my Chase credit card that included several XXXX charges that I DID NOT authorize. They charged the following amounts ; {$520.00} - XX/XX/year> - {$350.00} - XXXX {$580.00} - XXXX $ XXXX XXXX {$790.00} - XX/XX/year> - $ XXXX XX/XX/year> {$350.00} - XX/XX/year> {$660.00} - XXXX $ XXXX XX/XX/year>. I have had my personal information compromised and a stranger has pretended to be me. After several stressful calls, I spoke with the XXXX merchant who confirmed my email address was NOT the confirmation email address on the booking. Again, I DID NOT authorize ANY XXXX charges.
Product: Credit reporting or other personal consumer reports

-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. My identity was stolen and I didnt authorize anything or sign anything with a third party to sell my information. See ftc report attachment below.
Product: Credit reporting or other personal consumer reports

Every month the payment balance for the loans are not updated at each credit bureau, the last reporting dat is list as XXXX, but none of them updated the balances. As of XX/XX/XXXX, the balances remain the same. 

The total balance remaining is {$3500.00}, EACH bureau should have this balance. Each individual loan total should be updated according to the documents attached from XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against PNC Bank for Unresolved ATM Deposit Issue Details of the Complaint : On XX/XX/XXXX, I deposited {$760.00} into a PNC Bank ATM in XXXX XXXXXXXX XXXX but the transaction was canceled, and the money became stuck inside the machine. Since that day, I have not been able to retrieve my funds. 

I promptly filed a claim with PNC Bank on the same day. However, as I used a XXXX XXXX  XXXX card for the deposit, PNC directed me to XXXX XXXX XXXXXXXX. I followed their instructions and opened a claim with XXXX  XXXX XXXX, but on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX officially confirmed that the amount was not credited to my account. 

I returned to PNC and repeatedly sought resolution. PNC employees claimed they escalated the issue to the ATM company for reconciliation, but this process has dragged on for more than two months, with no resolution or substantial updates provided to me. Also I have sent an email to the branch manager explaining my disappointment for the follow-up and service Im having but without any reply from her. 

Key Issues : XXXX. PNC Bank has failed to provide any official claim reference number, documentation, or evidence that my case is being processed.

2. The branch manager has not actively addressed the case or provided any feedback, despite my frequent visits to the branch ( XXXX to XXXX times ). 
XXXX. Both PNC and XXXX XXXX XXXXXXXX keep redirecting me to each other without clear accountability. 

Current Status : As of XX/XX/XXXX, I have no feedback or resolution from PNC Bank. The lack of documentation, delays, and ineffective communication have caused me significant frustration and inconvenience
Product: Debt collection

I supposedly owe a medical debt according to the debt collector called Medicredit, they are trying to collect a debt on behalf of XXXX XXXX. I called Medicredit and was told I owed a debt in the amount of {$89.00}. I told her to send me a statement in the mail so I can see and verify it, as I have had communications with them before. she agreed to send the statement, this was in XXXX of this year. I never received a statement. I have paid debts that I owed to them in the past before, but not without having a statement and verifying whether I owe it or not. 

I have called them numerous times, 4 times in XXXX and 2 times in XXXX. They told me they wouldn't do anything for me unless ( I gave them my date of birth. ) I refused. I have never been asked for my date of birth from them before. I feel that is a personal question and it has nothing to do with sending me a statement. They already have my address and account number. All I want is my statement so I can look it over and verify information and pay if I owe. I have no documents to attach because they haven't or won't send me a statement that I am entitled too!
Product: Debt collection

I have had two accounts with XXXX XXXX Bank that were past due since the beginning of COVID. During COVID I had XXXX XXXX defer payments. After COVID was over and we were back at work, we had sold our house on XX/XX/21. I contacted XXXX XXXX in midXXXX to inform them that I would be paying both credit card accounts in full by the end of XXXX ( we close on XX/XX/21 and the check will be available to me anytime between 2-10 business days ). XXXX XXXX accepted this agreement and told me they would not pursue legal action. This morning, XX/XX/21, I received a call from our local police department that they had tried to give me a summons for court from XXXX XXXX and their representation ( BQ & Associates ). I have tried contacting the bank which they told me to contact BQ & Associates and I have called and left voicemails for the individual in charge of my file with no response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX ATTENTIOXXXX XXXX XXXX NEED TO INVESTIGATED MY FRAUD ACCOUNT My name is XXXX XXXX XXXX have a active investigation going on regarding an account that was opened while I was XXXX  in XXXX XXXX for XXXX XXXX I got a letter stating about you guys looked into the file about I requested late payments be removed, the card got sent to my address on file, I made payments & about something about my number, I literally XXXX XXXX XXXX XXXX  at the time of this alleged account being opened XXXX getting frustrated at this point because I keep going back and forth with your establishment regarding this account I literally submitted every documentation verifying my side of the story and you guys basically keep telling me oh well you made this account its impossible for me to make this account while I was XXXXXXXX XXXX XXXX XXXX XXXX XXXXl. XXXX not sure if my family members made this account while I was XXXX  because all my information was left back at home I had no control over that but this allege debt was not made by me. At this point XXXX just so fed up and so damaged by this allege theft that has taken on my behalf XXXX willing to pay the whole debt 100 % if you guys can just please remove this from my credit report I am urgently begging because this allege debt wasnt not made by me. XXXX tired of suffering do to this allege debt holding me back which was not made with my consent. Can you guy please give me a different option or another chance because XXXX really being held back In life because of this debt that was made without my consent. I get get no house nor apartment because of this tragic situation basically homeless I also sent a letter a couple days before this letter with my police report, I had contacted the deputy commissioner office for the proving fact that I was incarcerated & an identity theft report. I will also be attaching it with this letter also. 

Please contact me back ASAP my information will be below to identify me Have my release from jail papers attached with this letter and copy of my id to identify me, commissioner letter, also letter that was sent couple days before this letter has my letters also so I dont understand or what more your company wants me to prove that XXXX not the owner of this debt. I paid the allege debt that was charged off XXXX just asking for it be removed I proved every form I could get from courts and nothing seems to be good enough for your company
Product: Credit reporting or other personal consumer reports

I the consumer and natural person have identified information on my consumer report that are a result of identity theft. I did not consent to, authorize nor benefit from this accounts. Please remove this accounts from my credit file. 
1. Checkr Account number XXXX XX/XX/year> 2024
Product: Credit card or prepaid card

Gift Card issued by BlackHawk Network. I had a couple of small fraudulent charges. I called to place my card on hold when I would be out about {$7.00}. It took them 2 days to put the card on hold and then a larger charge appeared because they did not immediately put my card on hold. Blackhawk Network will not reimburse me. I accept the two small but fraudulent charges of XXXX and XXXX as that was my husband being misled. The {$68.00} charge was completely their fault. After 90 days they say that there was no fraud. All 3 charges were fraud but the third fraud was only because their customer service did not place my card on hold on XX/XX/30 when I called after I saw the two small charges. The {$68.00} took place on XXXX. I called back on XXXX as I wanted to know why the {$68.00} was not being reimbursed since BHN failed to place my card on hold. I was on the call with the agent for more than half hour. They said the merchants told them I authorized the charges. The {$68.00} is UNTRUE. I did not authorize criminals to make charges on XXXX at all. By not placing my card on hold and inactivating it, BHN actually allowed the card to be used. I simply want the {$68.00} returned by way of another card. XXXX  XXXX  XXXX
Product: Credit reporting or other personal consumer reports

This is a DEMAND TO COMPLY LETTER with written instruction as it relates to me, the consumer, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act, it has been established by Congress that your agency 's role is to adopt reasonable procedures to ensure fairness, impartiality, and a respect for my right to privacy for maximum possible accuracy.

Under 15 U.S. Code 1681e et seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions. There has been a violation of these reasonable procedures because, as I have shown within my attachments, there has been inaccurate and unverifiable information removed from another consumer reporting agency but has not been removed from your system.

You should be aware that your failure to maintain reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to the Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241.

Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act.

However, this account is reported with your agency. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting.

I demand this account to be removed from my consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly delete that item of information as required for treatment of inaccurate or unverifiable information pursuant to 15 U.S. Code 1681i ( 5 ) ( A ). 

Account name : XXXX XXXX, opened on XX/XX/2020, with a balance of {$3000.00} Remove this account UNDER PENALTY OF PERJURY. Delete this account for violation of 15 U.S. Code 1681e, failure to maintain reasonable procedures, 15 U.S. Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S. Code 1692e False and Misleading reporting, Violation of 15 U.S.

Code 1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S. Code 241. 
I am demanding my remedy for your willful noncompliance for each violation of law.