23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I just called the collection company for this account and originally after a very long whole time I got to someone by the name of XXXX who disconnected the call as soon as I started speaking I then called back and spoke with someone else, and I found her to be a bit rude, but anyways, after going through the account, I was informed that this was originally a XXXXXXXX XXXX and XXXX XXXX toll that was not paid so the company charged me a {$20.00} late fee as well as a {$15.00} late fee within the same 30 days of this XXXX singular {$6.00} {$.00} toll I found this is outrageous and an egregious act of charging I received no notice about this one toll which was from XX/XX/XXXX of XXXX until just yesterday XX/XX/XXXX. 
I do not think its fair in any regard for me to XXXX be charged nearly {$40.00} of late fees and a 30 day timeframe within the 30 day timeframe and then an additional {$12.00} because the company sent my bill over to collections thats freaking ridiculous. I do have records of my mail being sent to the home. I also have records of which for quite a few months I had to go back-and-forth with the USPS post office local to my home because of having issues with them not delivering my mail, even sending my mail back to sender because of a XXXX issue. I have reported this several times with United States Postal Service and I do have those Report numbers in which they will detail that I had had mailed delivery issues for months so regardless, even something was mailed I may not have received it due to the errors made by the United States Postal Service, so I will not sit here and be penalized over a XXXX dollar XXXX Cent hole that I dont even remember driving through and then have to pay almost XXXX times the original amount thats ridiculous. If they cant rectify the situation it can stay how it is and then we can just go to small claims court and handle it that way. On top of that they claim they mail me notices all the way back in XXXX and XXXX and XXXX of last year and I find it ironic that this time I got the letter it was actually mailed to my home address and not my mailing address which should be the address that is on my drivers license and also the address that the car is registered under so That in particular as I explained to the representative on the phone, I have informed delivery on my mailing address so everything that I get is scanned and theres a digital copy on email showing what is coming into my mailing address so I dont know how they allegedly mail something to my household address, which isnt even their address thats listed on my drivers license or my mailing address, so how would they know to send something to the household address and not the Mail address that doesnt make any sense at all to me especially when they are billing me due to finding me by my license plate number which is registered with the address with the informed delivery Doesnt make sense. Im not buying it Im not having it. I would also add that this is the same collection agency that Ive already had to file a separate complaint on.
Product: Credit reporting or other personal consumer reports

I paid both my XXXX and XXXX insurance debt to XXXX and XXXX directly. The debts were never sold to XXXX. The debt was recalled back to XXXX and XXXX. I have disputed their reporting and it has come back as verified although they have no part in my payment or debt at all at this point. 
I have filed a XXXX complaint XX/XX/XXXX as well. As of XX/XX/XXXX I had not heard back from them. The XXXX tried to re-attempt to hear from them and they have yet to respond. 
All I am asking is they remove the collections from my reports from all XXXX bureaus as they have no part in anything anymore.
Product: Debt collection

XXXX XXXX is reporting on my credit report and continuing to re age the account. I opened an account with them in XXXX and closed it either late XXXX or early XXXX. I don't recall having a balance after closing it. Now its reporting on my credit report as being opened in XXXX. This would be impossible since they went out of business in XXXX. They were took over in XXXX by XXXX XXXX which is the name they are reporting under on TransUnion. Then they were completely transformed into what is now XXXX XXXX XXXX XXXX in XXXX.
Product: Debt collection

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 crimes 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 card

I want the missed payments removed from my credit history. From the XXXX XXXX XXXX I paid all late fees but simply fell behind in payments due to Covid-19. I lost my job and had no source of income. I contacted Capitol one and discuss my situation due to the pandemic and was insured they will have a system in place for late payments due to the pandemic. I was locked out of my account after a few missed payments. I have XXXX debt with capital one and caught up on all payments.
Product: Credit reporting or other personal consumer reports

According to 15USC 1681EB a consumer has a right to fair credit reporting. The account from XXXX XXXX XXXX violates the consumer protection act and FCRA. It has inconsistent data from account opening, to account numbers, to high credit and inconsistent dates. By law, the account must be removed otherwise the company is at fault and fines are punishable. I have attached a copy of the report and want the account removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is another problem with my credit reporting they have not boosted my score in 6 months on my XXXX bill and also internet with XXXX? I have thru my debit card or bank account XXXX XXXX. XX/XX/2019 was the last time they reported my boost Experian boost? Also they are and the other bureaus are reporting a late charge but not telling me were it is coming from. I just reopened my account with Experian XX/XX/2019
Product: Mortgage

We applied to PNC Bank in XX/XX/2021 for a HELOC in our condo in XXXX. At the time of the application, we were told that the entire process would take 6-8 weeks to finish. We were constantly in touch with them and provided them will all the documents they asked for. We got conditionally approved on XX/XX/XXXX and were told that the reason it was taking this long was because of the amount of applications PNC had and not enough people to process it. We understood that and waited patiently for the final decision. 

When we initially applied, we specifically asked them if they financed condominiums and they said yes and thats why we proceeded with them. We also discontinued our process with another bank once we were conditionally approved because we were told that all our credit reports and documents were in order and that its just a matter of time for final approval. 

Then in late XXXX, the appraisal report confirmed the value of our property and we were told that the loan was undergoing final underwriting since all the requirements were met. On XX/XX/XXXX, we were then told that our building can not be financed because the commercial space in our building does not meet PNCs internal criteria ( greater than 25 % ). The hotel that is part of our building has nothing to do with our condo except that it was built by the same developer. They rejected our application after 15 weeks of going back and forth. 

In our view, this was shocking as there are several other lenders that have lent to residents in our building and the majority of our building owners apartments are financed. So, we failed to understand why PNC is unique here and more importantly why this was not told to us when we started the process. Every bank lets you know upfront during the documentation process whether the customer meets their requirements. We were told all throughout that everything looked good. We not only lost out on our HELOC, but also discontinued our other application and after 15 weeks were rejected. 

This is as bad an experience any customer can expect. PNC bank should respect their customers time and appreciate the effort it takes to provide all the documents. Had they told us upfront, we would have continued the process with the other lender that had already provided loans in our building. In our mind, there was complete disregard to basic courtesy and we will certainly not be recommending PNC bank to anyone we know. This cost us financially as well because the financing was to be used for home improvements and given the significant demand for developers, our project has now been delayed by 8 months. 

PNC bank should learn to respect their customers time and effort and have a process in place to first examine whether the building can be financed and then ask the customers for the documents.
Product: Student loan

My husband took out this school loan, and I was the co-signer due to his credit. I was n't thrilled with being a co-signer but I did it XX/XX/XXXX.My husband tried to resolve the monthly payment situation with Navient for XXXX XXXX , but it was not getting resolved due to some late payments by him, Navient was calling incessantly and harasssing me to pay his school loan off. I told them '' I not a bank '', an can not afford to pay this total amount. I asked to be taken off the loan as co-signer. I do n't want or need the headaches, or harrassing calls from Navient. XXXX and XXXX from Navient XX/XX/XXXX, told me If I were to pay them, {$4000.00}, I would be released as Co-Signer, of the student loan, and I would never receive any negative information on my credit report pertaining to this. XXXX and XXXX told me that the credit report would say- '' paid in full, satisfied loan requirement. XXXX Balance for Co-signer When I pull up my credit report all ( XXXX ) companies have reported it as a Charge off, Bad debt, Unpaid balance and reported as loss. I would have never ever paid them XXXX to still have this negative information reported on my report. They took my money, and did not honor their side of the agreement. If I did not pay them the XXXX dollars my report would still say the exact same thing. Navient is a big scam!! I would like to get my money back and find out who really took it. I spoke with XXXX and XXXX in XXXX 2014. Please research this. Their phone number is XXXX Also all the harrassing phone calls. 
My husband attended a XXXX School online through the XXXX.
Product: Checking or savings account

After having a substantial relationship with   XXXX   XXXX    XXXX  , I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one issue  with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, collection Agencies has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

Deposited a check from my home insurance company after cancelling my plan. All documentation on XXXX says 2-6 business days. XX/XX/XXXX I reached out and was informed theyd be holding it until XXXX. The cash is marked available for trading and moving but not settled to use on the debit card. They provide no explanation as my account has consistently been in good standing and Ive had much larger checks come and go through the account. Im now going to have to pay late fees for bills and or returned payment fees for things I had scheduled to pay given their longest time window possibility. Customer service was atrocious and provided a canned response and closed the chat before I could receive a realistic answer other than many others are committing fraud. Absolutely disgusting way to treat an upstanding customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} 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 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Failure to Properly Investigate Dispute in Violation of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally dispute Equifaxs handling of my previous credit report dispute, as it appears that Equifax has failed to properly investigate my claims in accordance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2024, I submitted a dispute through the CFPB portal regarding the inaccuracy of a public record ( bankruptcy ) being reported on my credit report. This dispute was based on the fact that Equifax stated in a letter that they were unable to find a profile for me in their database. So, I guess I am a ghost. However, on XX/XX/2024, Equifax responded to the CFPB complaint that they have verified that the public record item is reporting correctly. Yet, Equifax continues to send various correspondence items with varying names of " XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Which is my correct name? You should have one and only one correct spelling of my name in your database. I have also provided all necessary documentation to support my claim, yet you continue to send " STALL LETTERS '' instead of properly and thoroughly investigating the inaccurate information. 

However, I have recently reviewed my credit report and found that the disputed items remain uncorrected, or no meaningful investigation has been conducted. It is clear that Equifax has either failed to take the proper steps to investigate my dispute or has not complied with the obligations set forth under the FCRA, specifically under 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation into any disputed information.

I remind you that under the FCRA, you are legally obligated to thoroughly investigate disputes and correct any inaccuracies found. Failure to do so subjects Equifax to penalties, including statutory damages of up to {$1000.00} per violation. 

Given Equifaxs failure to properly investigate and rectify the errors in my credit report, I demand immediate correction of the disputed information. Additionally, I request compensation of {$1000.00} for each violation of the FCRA as permitted under the law. 

Please consider this letter as a formal complaint. I expect a response confirming the initiation of a proper investigation within the 30 days mandated by law. Should this issue not be resolved satisfactorily, I will have no choice but to escalate this matter by filing complaints with my Consumer Protection attorney and consider legal action. 

Please confirm receipt of this letter and provide me with the results of the new investigation at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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 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 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 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 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 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 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 found out that I have several accounts through Union Bank located at XXXX XXXX XXXX XXXX XXXX CA XXXX, and apparently these accounts are being managed by some appointed power of attorney designated to manage my accounts. In XXXX, XXXX XXXX opened an investment account, account number XXXX which seems to have been opened and closed after a year. I found this information out thru my income tax records at the franchise tax board and again through some financial documents I found at his house. According to FDIC I have several other accounts that are also shared with XXXX and his family members, but I am the sole owner of these accounts that are valued over 1.7 million in  available balance. I have never received bank statements, cards associated to these multiple accounts nor have I had any communication about these opened accounts in my name. 

My name is XXXX XXXX XXXX, my ssn is XXXX and my date of birth is XX/XX/XXXX. I filed a police report for this situation with the local law enforcement. The report number is XXXX and the officer that took my report is Deputy XXXX. She can be reached at XXXX for further information. 

My contact information is XXXX. My email address is XXXX. 

Thanks
Product: Credit card or prepaid card

DEAR REPRESENTATIVES, I am reporting a deception of 2 prepaid card banks that in the debit card contract do not show details of Limitations or restrictions that they have. 

After opening the account with the XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Member FDIC ) pursuant to a license from XXXX XXXX XXXX " XXXX XXXXXXXX XXXX '' and " XXXX '' are registered trademarks of XXXX XXXXXXXX XXXX. 

This card in the prepaid card contract and the consumer details the countries restricted for them and the services that are limited in certain countries. Neither in the debit card contract nor in the privacy policy do they state the countries with restriction of services or use. 

This caused me to lose time in my travel planning to the specific country that I wanted to travel to because I was going to use this debit card. I thought I could use this card in another country at the ATM to withdraw funds, after I have the card and review the contract and the privacy policies and everything they show on the website, I call customer service to perform the Travel alert and I find that they inform me that in the country where I am going they do not have access to ATM cash withdrawals, in this case the XXXX XXXX XXXX, XXXX. This detail is not written in the privacy policies or in the contract. Also there is not a single detail that says that there are limitations in different countries. 

Please I want to report this prepaid debit card bank because they are misleading customers and omitting information. 

Thank you, I hope for help and a prompt response from you please. other consumers need not to be deceived and be updated on this problem so that they do not make the same mistake as me and are not deceived.