23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

PNC has done it again! On XX/XX/XXXX. I was charged an overdraft fee that put my account in the negative! the day before I had a positive balance and with their overnight processing, somehow something I did days prior caused the account to overdraw in their calculations and not only that the same day XXXX had a {$500.00} deposit to cover all funds they claim they paid for me that happened days prior! The actual overdraft fee is what overdrew the account! The same thing happened again on XX/XX/XXXX where the day prior my account was in the positive, they did their overnight accounting and again something I did days prior they claimed overdrew the account yet that same day I had a {$1100.00} deposit and the overdraft fee they gave me overdrew the account! It makes ZERO sense and then when I call in the agent can see it is wrong and makes no sense and does nothing to refund me the fees. I have screen shots to even show the ledger that they are WRONG!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt or credit management

Last year And I account was Open with my information using somebody else 's number today I went to give for an apartment to get a credit check done And I had no Idea that there was money in collections almost {$3000.00} it was open fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few family members and friends had used my address and capital one agreed to remove them and stop sending pre approval quotes to my address. The following people no longer get mail to the following address XXXX XXXX  XXXX XXXX XXXX ny XXXX. I just want them removed as the capital one rep said they would do. 

1- XXXX XXXX 2- XXXX XXXX  3- XXXX XXXX 4- XXXX XXXX. XXXX 5- XXXX XXXX 6- XXXX XXXX 7- XXXX XXXX
Product: Mortgage

Since XX/XX/XXXX, I XXXX XXXX, XXXX  of the late XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, a succession was done and i obtain the property and is still living in the home as of today. Well, I have been having lots of issues with the mortgage company Citizens Bank. I did a modification because I couldn't afford the amount of the mortgage because I'm on a fix income. The company said for 3 months ' pay a certain amount and then I did pay it. Now as of today the company is telling me that there is a " Lien '' on my mother 's home which i had no knowledge of until they told me. So, I went to the XXXX XXXX XXXX XXXX and obtained the document which states that there was no lien on the property and i sent Citizens the document email, postal mail, and fax. On XX/XX/XXXX i called to make a payment on the home and i was told not to because the modification is still pending, I was told to called back towards the end of XXXX, so I called, and I was told that the modification was cancelled. I couldn't understand why this had happened. So XXXX had been reaching out to help me navigate this problem. This company has been giving me the runaround about the modification. I provided all the info that they asked for and I can't understand why this company don't want to give me any answers. I feel like they are trying to take my home from me. We have been being in contact with the company every week since XXXX and still no answers. PLEASE HELP
Product: Mortgage

I had sent payment to XXXX Mortgage in XXXX as I normally do and my payment was not applied to my loan!! LoanCare ( debt collectors for XXXX Mortgage ) have been contacted on NUMEROUS occasions and nothing is being done to rectify the situation. I have also sent a copy of the cancelled check to various dept 's within LoanCare and everyone seems to be clueless as to what is occurring. My FHA loan has been in default for the last two months and I am very frustrated with this Mortgage Company. On or around XXXX XXXX I again sent a copy of my cancelled check and I received notification from their Mortgage Company Resolution Dept stating this matter is important and will be dealt with accordingly. Nothing had been done. I finally went to XXXX XXXX XXXX Office ( XXXX in VA ) to seek help. I was welcomed by XXXX XXXX XXXX and she was appalled at the service provided by LoanCare. We were on the phone for approximately 2 hrs and nothing had gotten accomplished! Every rep we spoke with had given us misguided information which worsened my nightmare. I am receiving notification that my house is going to be foreclosed on and my mortgage payments are CURRENT. Late fees have incurred and my credit is now tarnished! U ca n't imagine the stress and aggravation I am enduring. I have been directed to file a complaint with CFPB because this matter needs attention due to the severity of the actions from LoanCare. I sent them my payment, they CASHED the check but wont apply it to my mortgage!!!!! My credit has been tarnished due to their negligence and they must be held accountable. To add insult to injury when I left my Congressman 's Office I contacted the Mortgage Resolution Dept to find out the status of my complaint. U would not believe the response that I received. I was told that they received my complaint accompanied by the canceled check but the fax was misplaced. WHAT!!!!!! I was told to send in another copy of the canceled check so the complaint can be reviewed. The " Notice of Error Acknowledgment '' that I received from them dated XXXX XXXX pertaining to my complaint had n't even been reviewed ... .today is XXXX XXXX!!! I asked the rep how could u receive documentation and it get misplaced? Furthermore when was I going to be notified that LoanCare needed another copy of my canceled check for the XXXX time?! Her response was " well we have 30 days ''. Seriously!!! As I am about to furnish them with a copy of my cancelled check the rep calls me back to say they miraculously located my fax. I wish that I would have NEVER of refinanced with XXXX Mortgage. Stay away from this Mortgage Company!!!!!!!!!!!!
Product: Credit reporting

I was trying to submit a credit report request for my boys, who are 7, since I received a mailer from XXXX with both of their names on it. Tried to use Experian 's Online Request form, but the system would not take any of my online documents, even after redoing them to the specs they requested ( PDF or TIFF and no color documents ). Unfortunately, the automated system did n't give me an option to address this. I 'm not comfortable sending this documentation in the mail since it would contain ALL the necessary information to create accounts in both my kids ' names and mine as well since it requires me to submit a copy of my Gov't ID and utility bill. Is there a more secure way of quickly doing this? XXXX had the most efficient way of submitting a request and ca n't understand why all three do n't have this.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXX, XXXX 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 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 in months that are reported late to be removed. 

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. 


XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to access my FREE ANNUAL CREDIT REPORTS at https :  //www.annualcreditreport.com/XXXX  experian will not let me get my report says I have to call a phone number. 

XXXX will not let me get my report says I have to contact them .also went to XXXX direct and the VERIFICATION QUESTIONS are about accounts opened that I have never opened so of course I am mot going to be able to answer them correctly.They say contact them directly XXXX provided my report no problem. 

This is stupid that I can never get my credit reports from XXXX or Experian. 

They need to be fined for every free annual credit report they do not give .In this day and age it takes 10 seconds or less to access a data base and provide whats in that data base about my credit report yet can not get it because their computer come up with bogus questions.
Product: Checking or savings account

Hi on XX/XX/2023 I noticed two transactions for {$410.00} & {$310.00} for XXXX which was made on my alliant credit union account. My phone and wallet were both stolen from my car and I tried to explain that to the fraud department but I was told the IP address matched so there was nothing they could do.
Product: Credit reporting or other personal consumer reports

I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine the responsible parties in this unauthorized credit inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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: Credit reporting

I submitted a dispute to TransUnion on XXXX about XXXX hard inquiries that were reported on my report. See confirmation below. I have not received a response yet and it has been over 45 days. 

Background : I have XXXX credit inquiries from the same company for establishing XXXX account. The company reported on the report is XXXX. I received these inquires on XXXX different dates XX/XX/XXXX, XX/XX/XXXX, and XXXX. The only inquiry that should be listed is the one run on XX/XX/2014. This is when I ordered service and was told by the representative that it was successful ordered this day. In reality the order was not placed correctly at the reps mistake. So over the next weeks I argued with XXXX and they insisted on placing a new order. I agreed after multiple reps said no new credit inquiry would be run. So I proceeded, the rep lied, ran credit again and then hung up on my. Hence, where credit check # XXXX came from. Went through this again and asked again about credit when a new rep was placing an order and he swore to me that no check would be run since he already showed the check in the system. Also a lie. Hence why I have the third inquiry. In summary, I should only have the XXXX inquiry from XX/XX/XXXX Transunion completely ignored my request and have sent no response and all three inquiries are showing on my report still. Please help me resolve this. Thanks
Product: Debt collection

In XX/XX/XXXX we reached a settlement that the case would be dismissed. 

In XX/XX/XXXX. I received an invoice showing no fees fines. This was due to case being settled. 

I complied with all the terms of settlement. I mailed Certified mail with return receipt the settlement offer to debt collectors office. 

Without any notice After settlement was reached attorneys filed a motion for Default XXXX. After settlement was reached with no notice attorneys decided to proceed to trial. 

Debt collectors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Ga XXXX. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX Ga XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX - XXXX XXXX/Continental Finance On XX/XX/2021, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX/Continental Finance has not been updated. I contacted XXXX  & XXXX  on XX/XX/XXXX of 2021, opened disputes, and sent the settlement letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, and the XXXX Alert reflecting that the amount was taken from my checking account. I looked at my credit report through XXXX XXXX and saw that this account was updated with no remarks. I followed up with XXXX  & XXXX and was told that XXXX XXXXContinental Finance has informed XXXX  & XXXX  that the account is a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I filed a 2nd Dispute with XXXX  on XXXX and will file with XXXX  today. XXXX  has updated this account has paid on my credit report. I would like for the XXXX XXXXContinental Finance to request removal from all three credit bureaus. If they are unable to, I would like for them to inform XXXX  and XXXX  that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a XXXX  parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the Settlement Letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, the XXXX Alert reflecting that the amount was taken from my checking account, XXXX XXXX Letter , & Police Report from the fire is attached.
Product: Mortgage

In XXXX of XXXX I started the process of refinancing my mortgage. I was then told that my mortgage company, Freedom Mortgage, had not paid my taxes for the last quarter of XXXX. I opened up an inquiry on that matter with their tax department. 
When I reviewed my annual escrow statement, it showed that they had issued the tax payment of {$580.00} out of my account in XX/XX/XXXX, but it was not reflected on my taxes. In addition, it showed THREE payments made in XXXX of XXXX to taxes. When I called and asked about it, I was told that it was to pay for the last quarter of XXXX 's taxes. When I asked them why the XXXX payment had not been re-deposited into my escrow account ( since the payment was never made on my behalf ) they said they would open an inquiry. 
Now, I went to pay my auto insurance, and see that NO PAYMENT has been made for my homeowners, which was due XX/XX/XXXX. My escrow account was debited for the entire amount of my homeowners ( {$1600.00} ) on XX/XX/XXXX, but has yet to make it to my insurance bill. 
Additionally, Freedom Mortgage has now upped my escrow because there is not enough " cushion ''. There is not enough cushion because the have made incorrect payments out of my account. 
Due to the tax situation, I recently put in a request to stop having Freedom Mortgage escrow my mortgage. I was denied because the escrow account is negative, which is, again, because they made incorrect payments out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have reached out to Equifax on numerous occasions to investigate the inquiries that are on my credit file, Equifax said they deleted the XXXX inquiries, but they are still showing. I have sent in the required documents to Equifax of my proof of identity and that I'm a true fraud victim XXXX and Equifax has deceived me by saying that they have corrected this information, but it has yet to correct my information. The only address that should be reported on my credit profile is XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX, not a XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX. 
I have a tracking # of Proof that they received my documents to correct the discrepancy under my personal information : Tracking # XXXX XXXX XXXX XXXX XXXX I have 2 different confirmation Numbers regarding the inquiries that I did not authorize on my credit profile, Confirmation number : XXXX on XXXX and confirmation # XXXX on XXXX. Also, XXXX XXXX is reporting erroneous and inaccurate information on my credit profile,XX/XX/XXXX days late for XX/XX/year> and XX/XX/XXXX Days late for XX/XX/year>, please explain how payments can be XX/XX/XXXX days late in XX/XX/XXXX month at a time when the payments are automatically withdrawn from my account. This is the only way one could get a loan.
Product: Credit reporting or other personal consumer reports

Hi, My complaint is that I sent letter and Identity Theft Report to XXXX, Transunion, XXXX, XXXX XXXX, XXXX  and XXXX  regarding fraudulent accounts being reported on my credit report. 

All of these things were include in the packets that each company received. 

*Copy of Identification *A copy of my credit report I received from your company. The fraudulent items are circled. 

*A copy of my Identity Theft Report and proof of my identity. 

*A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

As of today, the issues has not been resolved.
Product: Credit reporting

Transunion previously removed my Bankruptcy filling report due to inconsistent records.. now they re-added the record with false data, stating it was a chapter XXXX filed in XX/XX/XXXX ... this is wrong and they should remove this, ... it was filed in XX/XX/XXXX got discharged in XX/XX/XXXX .. removed from my credit report and recently added for XX/XX/XXXX .. this is wrong violates every FTC rules on fair credit reporting act
Product: Debt collection

LJ Ross put a collection on my report for {$75.00} that does not belong to me. I contacted LJ Ross and I was informed it was for an electricity bill for an apartment in Maryland. I have never been to or lived in Maryland. How did a company provide service under a false identity? How is it acceptable to open an account for someone without verifying the identity they provided is theirs? I am in the middle of buying a house and this has created a set back for me. The account was reported on XX/XX/2019 for {$75.00}. This account was fraudulently set up and I willing to provide any required proof that I have never set foot in or lived in Maryland and I did not set up any electric account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up in Case # XXXX filed with CFPB. While I appreciate the response I received from TransUnion and they implying that the reinvestigation process could take up to 60 days to complete this goes against FTC best practices. However, After reviewing my credit report again with TransUnion I see there has not been any movement in getting these inquiries removed from my file. I am not sure what they plan on doing or how they plan on validating these inquiries, as I speant nearly 3 days caling everyone of them and was told by the potential creditor that they do not show where I applied and if I did I may receive something in the mail with regards to the status of each. What freightens me even more if that My information has been found to be on the DARK WEB as I have gotten several alerts as of late. Which is why I locked all my reports now.
Product: Debt collection

XXXX XXXX = XXXX Customer name = XXXX XXXX XXXX # XXXX XXXX refuses to unblock my account stating there is a balance owed. I do not have an outstanding balance with XXXX. I contacted their 3rd party collection company several times and was able to confirm the statement above each time. The collection company stated that an email was sent to XXXX each time I contacted them about the balance. I contacted XXXX after each call to their 3rd party collectors and never obtained any results. Each time I spoke with a representative I was informed that an email would be sent on my behalf. The department that handles the accounts is unreachable by phone and does not have a point person to resolve matters. They informed me that there is no physical way to contact a member in that department directly, all concerns must go through a mass email account. As of today my account remains blocked and I have yet to hear from XXXX with a response as to why. 

XXXX XXXX = XXXX Customer name = XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2024 I received an alert that several new accounts have been added to my credit report. That day I called several of the creditors who could NOT VERIFY these accounts by my name or Social Security number. 
On XX/XX/year>2024 I called Transunion and was informed that my credit report contained several discrepancies and needed to undergo Maintenance and to call back in 5 days. 


Advised to fill out FTC report and police report- Completed.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 



XXXX XX/XX/XXXXXXXX