23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

i fully expect pnc to provide a script as an excuse to use the card act or some other excuse to try to keepo the XXXX i have read other custoemrs have left the bank due to this. I was charged 1.50 interest on approx XXXX dollars owed on my card ending XXXX I mistakenly paid it XX/XX/XXXX not the XX/XX/XXXX as my history indicates i would have. The payment system on pnc.com is hard to use. it does not allow you to confirm payments, does not allow you to do more than one in 3 days. Right now in my life i am not too organzied and i did not realize what i did. until it was too late. AS a scripted approach they tell me they alreayd refunded one to me. a 1.50 which they did. and they then try to tell you they cant treat you differently than others. Any other bank would give it back since my history indicates it is an accident. and the payment system could be much more customer frinedly please refund it without all the excuses. please. 
refund 1.50 i wont be using either account to avoid this issue which has happened to me before. 
i know its valid. i also know its clear this is an accident and if you value my business do the right thing without investing your resources telling me no which i totally expect
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent trans union numerous of disputes about an inquiry XXXX XXXX XXXX XX/XX/2017 and after all these letters I have sent they have still refused to removed the inaccurate inquiry off my credit report. Trans union has continue to violate fcra and I want to seek damages and cost for that violations. I ask that your company file complaint and seek to mitigate my damages ... I want trans union to send me copies of said inquiry with my signature and authorization and if they can not please remove it from my report.
Product: Checking or savings account

Ive been banking with us bank for over 4 years. 
Never late fee never negative on my accounts. 
Both business and personal accounts including credit cards were closed for no reason. 
And under truth in lending act the are by law supposed to give my a reason as to why my accounts were closing.
Product: Credit card

I called Chase and requested an {$8000.00} credit be transferred to another Chase VISA account ( Amazon ) on XX/XX/. This card had the highest Chase balance with the highest interest.They did not do it. On XXXX I called them again and requested they immediately transfer the monies to the card again. They did not do it. They instead transferred {$7300.00} to another Chase card I have leaving a {$6500.00} surplus balance. In this time, They've used my {$8000.00} to charge other customers 25 % interest a day. On top of that, they are charging me 22 % a day on the {$8000.00} that should have been applied to the card I told them to transfer the balance to.
Product: Mortgage

I had to replace the roof on my mortgaged home. Service Mac, the mortgagor, required the insurance company to issue all checks jointly, less my deductible which I paid directly to the roofing company. Insurance company issues 2 checks for additional work, jointly, and the work had been completed ( roofs took a day ). I executed the affidavit of completion, had it notarized, and the mortgage company is in agreement that the work has been completed and is satisfactory. 

The problem is now with the joint checks. I have mailed them in to have the checks endorsed and returned, as originally instructed verbally. Service Mac returns them and finally I understand they want me to endorse the check, then they will endorse and return to me in the mail. Once I understood this, I explained, as an attorney in 2 states, that this is very risky, as a fully endorsed check is essentially cash, and I would never mail thousands of dollars of cash through the mail. I offered two ( 2 ) solutions, 1 ) they endorse the check with no endorsement by me to return a partially endorsed check through the mail, or 2 ) They receive my endorsed check, deposit it, and reissue a check that is not endorsed to either myself, the roofing company, or even a joint check.

Service Mac draft loss department insisted that the only path is to mail a fully endorsed check back to me. I asked to be indemnified in the event the checked is cashed by a third party. They refused to do this as well, indicating that the loss would be on me, personally. At this point, my home owner 's insurance company has issued the funds to pay for this work and the vendor, XXXX XXXX, who did a fantastic job and is patiently assisting me by communicating with insurance and Service Mac, is owed these funds on my behalf. They will have no choice but to file suit or send me to collections soon in order to protect their right to payment. 

This policy is ill-thought and risky, putting mortgage holders at risk for financial losses they can not insure or protect themselves from. It has caused payment delinquency and subjected me to liability for a debt suit that would cause me further financial harm. As I have been unable to reach an individual at the company who can craft a solution to transfer these funds in a responsible manner, I have been advised by a colleague in the mortgage sector to file a complaint here to encourage swift resolution.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX INQUIRIES : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Consumer Loan

The Employer of XXXX XXXX pays all Creditor monthly payments as part of the employee agreement for salary ; disclosed to Porsche Financial as the income received to comply with the financial commitment for payment. In XXXX the office clerks paid two monthly payments from the wrong checking account and both payments were paid to the Creditor when the Bank advised that each payment was not funded to be paid. 
After the XXXX incidents the office clerks could no longer make a payment on the website, or by phone to the Creditor. The office clerks offered to send 5 monthly payments total of {$10000.00} ( pay in advance to XXXX XXXX ) by a Money Order or Cashiers Check by Overnight Mail and the Creditor refused to accept any payment on XXXX XXXX. Since every month that the office has tried to make payments all attempts have been refused and the Creditor wants the car back. I have the money to pay and I do n't want to damage my Credit by not honoring a financial commitment, I have not lost my job nor have I had a family tragedy preventing me from paying. Now the creditor does not want me to pay the amount due til the Lease Contract that ends XXXX XXXX, they want me to pay the total value of the car {$130000.00} plus about {$6000.00} for Attorney 's fees when I wanted and offered to pay they did n't need an Attorney who has claimed that I wanted to sell the car to an innocent person, the car was abused. I had to take the car to the Dealership and it was inspected and recognized that it was kept in a garage, clean, under the annual mileage of XXXX miles. The car has XXXX miles to date. 
The car is an investment for me I planned to purchase the car at the end of the Lease it is a Limited Edition of Porsche, it is a Targa XXXX. This is a rare model, I drive occasionally only. Please help me I want to pay all monthly payments that I owe to have my account current and they will not accept my monthly payments. monthly payments to pay to bring account to current status is from XXXX XXXX to XXXX XXXX is {$18000.00}. 
Please help me with the car and my credit. 
Thank you- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint XXXX was opened on XX/XX/XXXX due to XXXX XX/XX/XXXX and XX/XX/XXXX, I contacted Equifax by mail regarding an alleged bankruptcy being reported on my consumer report. Complaint XXXX was submitted on XX/XX/XXXX via this portal to Equifax regarding XXXX documentation to an alleged bankruptcy reported on my credit file. To date, no response has been received 35 days after the complaint was submitted and more than 180 days after the request was made by mail
Product: Checking or savings account

Wells Fargo ignored me fo long for unauthorized charge they say it's too late although I have documentation, names dates times of wells fargo contacts.
Product: Checking or savings account

I had to stop using XXXX because money use to come out my account Everytime an I always called an tell them I miss money they always say Im not but I kno what be in my account an my friend said they use to take money out his account as will
Product: Debt collection

Someone used my information to get credit from a bank and supposedly made few payments and stop making payments and now is on a debt collection company. The account was open XX/XX/2020 with SYNCHRONY BANK and then sold it to XXXX XXXX XXXX, XXXX. On XX/XX/2020. I called this company to disputed. I dont know whats next, I received an envelope with a form to fill and send back.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. 
I noticed XXXX late payments on the account that I was in fact paid on time. 
for the month of XX/XX/2023 I paid on time and for the month of XX/XX/2023 it shows that I was 90 days past due and for the month of XX/XX/2023 I'm 120 days past due that's inaccurate. 

I've attached a copy of my report to this complaint on the following dates XX/XX/2023 and XX/XX/2023. 
I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments if this information can not be verified I demand these payments to be updated to paid on time immediately. 
Thank you for your understanding and prompt action.
Product: Student loan

Spoke with XXXX XXXX at Texas Guaranteed and someone in the compliance department who refuses to work with me in getting my loans resolved. They are forcing me to stay in garnishment, giving me inconsistent information and very very rude. I would like for them to no longer service my loans, remove my garnishment. This is the worst customer service experience I have had to deal with. Although I owe money, it does not give them the right to hang up on me when I am trying to find a solution for myself and help myself out of this XXXX situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the re-insertion of fraudulent accounts that were previously removed from my credit report. These accounts were originally disputed and deleted after I provided sufficient evidence that they were the result of identity theft. However, I recently discovered that they have been re-inserted into my credit report without proper notification. 

The fraudulent accounts in question are as follows : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : Various ( from XX/XX/XXXX to XX/XX/XXXX ) FTC Identity Theft Report Number : XXXX Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ], if a previously deleted item is reinserted, the credit bureau must : 1. Notify me in writing within five ( 5 ) business days of the re-insertion.

2. Provide the source of the information that led to the re-insertion.

3. Ensure that the information is verified and accurate before reinstating it.

I have not received any such notification, which is a direct violation of FCRA regulations. Furthermore, under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), using my personal information for fraudulent purposes is a federal crime. I have taken all necessary legal actions, including filing a fraud alert under the Fair and Accurate Credit Transactions Act ( FACTA ) [ 15 U.S.C. 1681c-1 ] and reporting this identity theft to the Federal Trade Commission ( FTC ).

I Demand the Following Actions Immediately : 1. Permanent removal of the fraudulent accounts from my credit report.

2. A written confirmation that these accounts have been deleted and will not be reinserted.

3. The name and contact details of the entity that requested the re-insertion of these fraudulent accounts.

4. Evidence proving the legitimacy of the accounts, or an admission that they were added back in error.

If the fraudulent accounts are not permanently removed, I will be forced to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office for non-compliance with the FCRA. Additionally, I may pursue legal action for statutory damages under 15 U.S.C. 1681n, which allows penalties for willful non-compliance.

Please consider this letter as formal notice to rectify this violation immediately. I expect a written response within 15 days as required by law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate item on my credit report, which I have obtained from your bureau. I am requesting the removal of this negative item under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1679c. 


Account Name XXXX XXXX Account Number # XXXX Reasons for Dispute : XXXX. Last Verified On XXXX the last date verified XX/XX/XXXX on XXXX XX/XX/XXXX and on Equifax XX/XX/XXXX XXXXDate of last Activity on XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and on Equifax XX/XX/XXXX XXXXDate Reported on XXXX XX/XX/XXXX XXXX XX/XX/XXXX and on Equifax XX/XX/XXXX XXXXCredit Type on XXXX XXXX XXXX on XXXX XXXX XXXX XXXX  And on Equifax Auto Financing XXXXPayment Status on XXXX Paid or paying as agreed on XXXX Current was past due XXXX  days and Equifax Pays account as agreed XXXXAccount Type on XXXX Installment account on XXXX XXXX XXXX and on Equifax Installment 7.Late payments on XXXX XXXX and Equifax XXXX XXXX XXXX days late then XXXX XXXX XXXX days late XXXX XXXX XXXX XXXX  days late, XXXX XXXX XXXX days late and XXXX XXXX XXXX  days late According to 15 U.S. Code 1679c, I am entitled to a fair and accurate credit report. I believe this item is not accurately reflecting my credit history, and I am requesting that it be investigated and removed from my report. Please find attached supporting documents that substantiate my claim and clarify the inaccuracies. 

I would appreciate it if you could investigate this matter and remove the disputed item from my credit report if it is found to be incorrect. Please notify me of the outcome of your investigation as soon as possible, and provide me with a revised copy of my credit report reflecting any changes made.
Product: Mortgage

I submitted a CFPB complaint on XX/XX/XXXX COMPLAINT ID XXXX in which the response from Mr Cooper did not address the actual issue. I am aware that I am no longer on a forbearance plan and that ended in XXXX as that is why I made the call to address the payment date issue we were left with. The problem we were left with was the due date is the XXXX ( 6-7 days before my husbands check ) each month. I discussed this with forbearance department and we discussed options like modification and putting the amount at end of loan as I junior lien, or a payback plan for what was needed etc,, I was transferred to someone in forbearance department whose name was XXXX who told me ON A RECORDED LINE about a new option Mr Cooper was offering customers that just started. She said I was able to make my monthly payment at ANY time throughout the month for the next 12 months and NOT RECEIVE ANY LATE FEES. I said that was wonderful and would be a great solution for me and I already started paying extra to put in suspense/unapplied funds to total the monthly amount due and could just continue doing that over the next year or until I reach a full extra payment since the due date can not be changed to jump ahead. 
I made my payment in XXXX, XXXX and XXXX, XXXX now only to find a late fees on my account in XXXX. When I called MR Cooper to question the late fees, I was told there is no such assistance available and I was told incorrect information on a recorded line. A escalation department pulled the call and verified after listening to the call what I am saying was accurate but is not holding to what I was told by MR Cooper on that call XXXX. This is NOT acceptable as I had monthly budgets surrounding over paying monthly t o reach one full payment in suspense /unapplied funds account to jump ahead a month to pay by the XXXX. This is not fair treatment to me as a customer especially on a FHA loan. I need better assistance and accountability from Mr Cooper to assist after being told FALSE information and late fees {$68.00} charged to my account. I have been directed to file a complaint with the Attorney Generals office if this is not resolved. My resolution I am asking for is that I am given proper time allowance to make a extra monthly payment of around {$75.00} each month until I reach the {$740.00} I am short to get ahead of my monthly payment like I was told I could and do this with NO LATE FEES charged to my account monthly like I was told by your forbearance department on XXXX and ALL FEES REMOVED. I also am requesting a written transcript of my recorded conversation from XXXX to be sent to my home address or email ASAP.
Product: Debt collection

I applied with Explore Credit back in XXXX of XXXX  Well in XXXX of XXXX to be exact on XXXXXXXX XXXX  someone from XXXX XXXX tried to go into my checking account and take XXXX, so I had to get a new checking account with XXXXXXXX XXXX I explained all of the above information to Explore Credit. Explore Credit went into my old closed account while having my new checking account information and debit the funds, well you can't take funds from a closed account and the strange thing is they went into my new account and debited the funds!!!!! Explore Credit comes back and tries to charge me XXXX for a late fee. I refuse to pay a late fee because my payments are automatically taken out of my account and it's not my fault that Explore Credit went into the wrong account!!! Since then I have been harassed, bullied, told my account was closed, sent email that I owe XXXX repeatedly!!!! My XXXX is high, my nerves are bad, and I'm tired of the foolishness!!!! XXXX texted me on XXXX at XXXX " XXXX XXXX XXXX This is XXXX from Explore. I'm reaching out because your recent payment was returned due to your account being closed. To help you, we are offering a 30 % off on your balance, which is a great opportunity to settle this matter. If you'd like to discuss this further, just let us know, and we'll be glad to give you a call ''. Text message Why would I need to settle when my payment are taken out of my account every week? 
Why would my account be closed? 
XXXX Text message XXXX XXXX, this is XXXX, your loan advisor. We noticed your balance is still unpaid, and we're offering a limited time chance to settle it for half your payoff balance. Call or reply to this message to discuss your options. Let 's work this out together! 

First, what's to work out together because I'm not behind on my payments??? My payments are automatically taken out of my account. I texted and said : " I don't have an unpaid balance, my payment are taken out every week ''!!!! XXXX texted back to say : " Sorry for the inconvenience, kindly ignore the previous message ''. I get another text message to XXXX from XXXX XXXX XXXX, this is XXXX, your loan advisor. We noticed your balance is still unpaid, and we're offering a limited-time chance to settle it for half your payoff balance ''. Now XXXX just sent me a message yesterday similar to the one today and told me to ignore!!!! I have emails on top of email and text messages. I could go on and on, but I refuse to do that.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : New Complaint and Evidence This is not a duplicate complaint. 

I, XXXX XXXX, disputed and called the creditor to demand the closure of the following account well before this creditor was allowed to update my credit report on XX/XX/XXXX, including on XXXX, XXXX, XXXX and XXXX XXXX XXXX Fraud Protection Dept Case id XXXX # XXXX Case id XXXX  # XXXX. 

I have discovered new information indicating that this creditor pulled my credit at least 30 times without my consent, significantly lowering my score. Additionally, there are discrepancies regarding the account status. This account was " closed by the consumer '' due to fraud, not by the grantor. An identity theft report has been filed naming this creditor.

This account needs to be deleted, and my scores need to be raised to the XXXX. 

Account Details : - Creditor : XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I I got scammed online by an individual that i do not know, accounts had been opened in my name, this person had stolen my identity, I have contacted police the told me to file IC3 FBI report and an FTC is attached to this complaint. Please block this fraudulent accounts from my credit file.