23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed bellow be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 

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
Product: Credit reporting or other personal consumer reports

I was trying to purchase a home and I have realized there is damages to my report. According to the 15 U.S.C 1681 law there should not be any damages to my report. It is a defamation to my character. It is preventing me from purchasing my home.
Product: Mortgage

PNC Bank is my home equity loan, open line of credit. This loan I have had for over 14 years. Within the recent years, PNC has misapplied payments on my account. I have complained so many times and still not resolved. I have notice while going over statements recently they added 6 months to my loan and added money to my balance. The reason I'm contacting you is because I can't trust this bank with anything they tell me. I have been lied to going back to XX/XX/2018. My complaint I contacted corporate. They took my information. I was told someone would call me back today. I was contacted from PNC ( XXXX XXXX # XXXX. XXXX promised me so much. She said not to worry that they have been changing computer data.A computer conversion. She said she had many customers with the same problem. The new system didn't transfer everything correct. She said it was applying payments to princable and not monthly payments. XXXX promised the account would be fixed. I also requested while talking to XXXX if I could change my bill due date. She said she would do that also. while this was going on I explained to XXXX that they where holding up the process for me to refinance my loan for work I wanted done to my home. She had another person contact me ( XXXX XXXX. ) Spoke to XXXX XX/XX/2018, I called to make a payment And just was told I was in default on my loan. I now have been dealing with XXXX XXXX. She said I can't make any payments until I pay full balance owed. I don't owe what they say I owe. I shouldn't be past due. XXXX won't send me anything on how my payments have been applied. She said she needs all my bank statements where my payment comes out of my checking acct. She said she needs check copies. They aren't telling me what month is due. I just went over my statements and see they added 5 loan pmts to my loan. Also they added money to my balance. I included the documents. I have two accounts with this conversation being done. I need to know what months on my loan are not paid. I'm so scared because I have been dealing with XXXX from XXXX. I was waiting on The Federal Reserve to help me. I was told they don't deal with PNC complaints. I need to contact you at CFPB. Please help me because they said I can't pay my monthly payment until past due paid. I shouldn't be past due.
Product: Debt collection

Submitted child support lien to bank per their requested method. Bank refused to accept and acknowledge lien stating it is address to XXXX XXXX Recorder which is not accurate. All liens are recorded at the recorders office. Emailed several times for assistance and left a message was blown off. Their refusal is a violation of Texas Statute Sec. 157.3145 and 157.327 which is a violation of law. 


Sec. 157.3145. SERVICE ON FINANCIAL INSTITUTION. ( a ) Service of a child support lien notice on a financial institution relating to property held by the institution in the name of, or in behalf of, an obligor is governed by Section 59.008, Finance Code, if the institution is subject to that law, or may be delivered to the registered agent, the institution 's main business office in this state, or another address provided by the institution under Section 231.307.

( b ) A financial institution doing business in this state shall comply with the notice of lien and levy under this section regardless of whether the institution 's corporate headquarters is located in this state.

Sec. 157.327. EXECUTION AND LEVY ON FINANCIAL ASSETS OF OBLIGOR. ( a ) Notwithstanding any other provision of law, if a judgment or administrative determination of arrearages has been rendered, a claimant may deliver a notice of levy to any financial institution possessing or controlling assets or funds owned by, or owed to, an obligor and subject to a child support lien, including a lien for child support arising in another state.

( FAMILY CODE CHAPTER 157. ENFORCEMENT ( texas.gov ) )
Product: Credit reporting or other personal consumer reports

This morning, I saw incorrect accounts on my credit report and I'm unsure of the reason. My routine check of my credit report revealed these unexpected discrepancies. Refreshing my browser didn't resolve the issue, and the incorrect accounts remained. I am requesting a thorough review of the documents I've sent to prevent any future concerns.
Product: Mortgage

Santander Bank has caused my husband ( XXXX XXXX ) and I ( XXXX XXXX ) harm by reporting information on our credit reports for late payments on XXXX, XXXX, XXXX, XX/XX/XXXX due to an error caused by Santander Bank. 

Here is what XXXX team issues that have harmed my family credit history : -Inaccurately calculated our mortgage escrow analysis using the 3 year amount on my hazard insurance versus the annual amount causing a shortage to our mortgage escrow account. Our monthly mortgage payment went from {$3100.00} monthly to {$4400.00} XXXX never updated my new address or phone information when a request to change address was sent on my XX/XX/XXXX statement. 

-Due to this inaccurate contact information I was not aware my mortgage payment had changed due to escrow payment increases. As my bank recurring payment was set to a {$3900.00} ( included monthly mortgage of {$3100.00} and additional payment toward principle of XXXX ), XXXX reported my husband XXXX XXXX and XXXX XXXX as XXXX on 4 months dropping our credit score from XXXX to XXXX. 

-We were paying {$760.00} monthly extra principle however due to escrow errors none of this was applied to my principal which cause more interest to compound. 

-After my letter to XXXX XXXX XXXX issued a refund check of roughly {$13000.00} of overage on my XXXX account which is proof of their inaccurate escrow analysis. 

XXXX Bank has cause harm to my family due to unfair and deceptive practices. We will be disputing these with credit bureaus however it is likely our credit history has been harmed for the next 7 years. 

Please hold them accountable for harming customers as these escrow analysis errors should have been caught. Additionally servicing practices of not updating customer information causing irreparable damage.
Product: Debt collection

I noticed a collection account on my credit report that listed Evergreen Professional Recoveries ( EPR ) and a balance of approximately {$370.00}.

I contacted EPR on XX/XX/XXXX via telephone and spoke with a representative, and requested a debt validation letter be sent to me. I provided my home address and I was told I would receive a letter within 30 days. I was informed that this debt was related to an account at XXXX XXXX XXXX. I believe that I had already paid this debt in full in XXXX of XXXX 

I contacted EPR again on XX/XX/XXXX via telephone and spoke with a representative XXXX XXXX XXXX and informed her I had not received a debt validation letter. XXXX said that XXXX XXXX XXXX never responded to their request to validate the debt. XXXX apologized and said that she would resend the debt validation request. I also provided my email address and confirmed my home address.
Product: Credit card

Canceled Microsoft subscription continues to charge my Capital One visa. The Visa expired in XX/XX/2023 and today XXXX XX/XX/2023 I'm still being charged. How is this legal? Someone could steal a credit card, sign up for subscriptions and the card holder would continue to be charged on a card that is no longer active? To be clear, my card wasn't stolen, but it expired 2 months ago. I never activated the replacement card and yet I'm still being charged for a canceled subscription on an account with NO ACTIVE CARDS. Are there no regulations to avoid this? Or is Microsoft just big enough to avoid penalty for violating laws?
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. No therefore, any such debt in fact, therefore exist. ( please remove these account before I seek litigation for the defamation of character ) XXXX  XXXX auto balance {$29000.00}, XXXX XXXX XXXX balance {$120.00}, XXXX balance {$2700.00}, XXXX XXXX XXXX XXXX balance {$1000.00}, XXXX XXXX XXXX XXXX balance {$1100.00}, XXXX XXXX balance {$830.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment with the lack of response to the disputes I submitted to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. Despite providing detailed documentation and listing the violations they were making to my consumer report, it has been over 30 days, and I have yet to receive any response.

This failure to address my concerns is unacceptable. The violations of FCRA 605 ( c ) and FDCPA 809b demonstrate a blatant disregard for consumer rights and legal obligations. 

I demand immediate action to rectify these violations and ensure that my credit report accurately reflects my credit history. Enclosed, please find copies of all letters previously sent to your agency for your review and reference. 

Failure to address this matter promptly and effectively will leave me with no choice but to pursue legal action to seek restitution for the damages caused by your agency 's negligence. 

I expect a prompt response detailing the steps taken to address and rectify the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX XXXX ) went out of business and file bankruptcy. We are no longer paying XXXX XXXX as listed on credit report. Dispute file with Credit Bureau. 

Account # XXXX {$29000.00} Account # XXXX {$25000.00} Account # XXXX {$6800.00} Account # XXXX {$3200.00} Company address : XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that the law is civil judgments and liens can stay on credit fo r seven years. Seven  years is entirely too long for consumers to be able to regain credit acceptance. Although the law will change  XXXX   XXXX  this is for new debt. What about past debt? Working for a mortgage company you can even buy a house 3 years after you file bankruptcy! Why is the negative impact of judgments allowed 7 years to ruin your life? 7 years is absolutely asinine.
Product: Credit reporting

I recently had my car repossessed in XXXX 2015. After the repossession I was given the option to get my car back if I could bring my account current. I brought my account current through XXXX and the various agencies they worked with. Once my account was current XXXX reinstated my loan and had me being making monthly payments ; however, the status of my loan on my credit report is faulty. It still displays my account in charge off status, with me making monthly payments to the account, and no evidence of the loan being reinstated. 

If my account has been brought current, and you have reinstated my loan, it would only make sense to reflect my account as a simple interest loan once more with installment payments being paid on time currently. It does not seem feasible that one would reinstate my loan while still reporting it as charged off with payments being made on that charge off monthly. 

XXXX has refused to give me paperwork stating that they have reinstated my loan. All I have currently is my payment history which they are obligated to provide me with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a letter to Experian about inaccurate accounts that they had listed on my credit report. They were asked to verify the account as required by the FCRA. However, it has been three months and I have not received a response and I know this is past the time allowed by the FCRA.
Product: Debt collection

This debt has exceeded XXXX yrs, original debt from XXXX, they keep selling account and is way past reporting age. This debt collection company keeps falsely renewing the debt age and will not remove from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX are reporting addresses that do not belong to me. I have disputed this incorrect information on multiple occasions and I have not had any success getting this incorrect information removed from my credit report. The following addresses I also disputed with XXXX and they were removed as the properly should have been under my rights through the FCRA. The incorrect addresses are the following : XXXX XXXX XXXX XXXX, XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, Ga XXXX ; XXXX XXXX XXXX XXXX, XXXX, Ga XXXX. These are the incorrect addresses that are being reported by Experian on my credit report. As for XXXX, I disputed the incorrect address and I also sent an image of my utility bill. They added my correct address but did not remove the address I disputed with XXXX. The incorrect address that are being reported is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, Ga XXXX. As I previously stated these addresses were properly removed from my XXXX credit report upon request, however my attempts to dispute them with Experian XXXX XXXX have not been successful. My current and only address should show as the following : XXXX XXXX XXXX, XXXX, Ga XXXX. This is my accurate address and any other addresses should be removed under my rights through the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1666b the time of payments, ComenityBankXXXX is in violation of my consumer rights. Reporting any late payments on a open-ended consumer credit plan is illegal and must be updated as positive. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.
Product: Credit card or prepaid card

I applied and opened a Banco Popular credit card account on or about XX/XX/XXXX. 2 months after opening the account XXXX with initial credit line of {$15000.00}, with 0 % interest, Banco Popular placed a hold on my account, verified it and reopened it after tow months. The would not allow me to use the card for more than {$500.00} per transaction and every transaction over {$500.00} was always declined, no exception. On or around XX/XX/XXXX Banco Popular let me use over {$1000.00} ( I didn't even noticed it, since I was assuming they will not honor a authorization request if the authorization would pass the initial credit limit. After I received the statement I saw that Banco popular was requesting the minimum payment plus the full over limit amount, which was over {$1300.00} dollars ( I don't remember the correct amount ). That was unaffordable for me and I contacted Banco popular and asked them to either increase the credit line to current balance, so I could just make minimum payments or instead of demanding the full over the limit amount make arrangements to pay with smaller payments. They refused. And since my income was not sufficient at that time to make that large of a payment I was forced to involuntarily destroy my credit standing. After couple of months of reporting my account as late other creditors too, started to lowering my credit limits and closing my accounts, siting sudden score drop. And by XXXX of XXXX most my accounts were closed, even though I paid them every month on time. I have attempted to contact Banco Popular many, many times with requesting statements for the last 6 month before the account was closed and they never complied. I believe this bank is engaged in predatory banking practices. Please help me resolve this issue. Banco Popular is reporting to all 3 credit bureaus as my account being charged off with over {$18000.00} balance on it. Thank you
Product: Checking or savings account

i have had major issues with CBIC BANK CORP i have dismissed valid concerns, for example, i made a cash deposit of XXXX $ at the atm inside the bank on XXXX and I couldn't get a XXXX home and was stranded I was unaware that my money wouldn't be immediately available because i went into the bank and made the cash deposit at their atm i believed my money will be available immediately i found out that wasn't true I called THE BANK and they explained the policy i knew nothing about i went inside the bank and made A CASH DEPOSIT at their atm inside their headquarters i was completely shocked and confused only now after my situation cash deposit are NOW available immediately I won the XXXX BUSINESS RESILIENCY grant and was supposed to receive XXXX when they requested my business bank statements I was told by my bank that my account did not qualify for ONLINE BANKING i have a TIER 1 account I had no idea what that meant and was only able to get XXXX of the grant due to my inability to produce my business bank statements again I had no knowledge of this until I the organization requested the documents from CBIC to validate my company. I found out I was intentionally steered into taking a account with less favorable terms because of my race and XXXX I have been banking with CBIC since 2017 not one incident of overdrafts fraud or any issues with my accounts on XXXX I contacted the bank about the XXXX XXXX overcharging me and holding my card for a security deposit XXXX I explained documented the situation with my banker i received a call from the hotel and contacted the bank about the issues with my account i forwarded the emails to her and the XXXX issued me an apology in writing taking full responsibility for the charges and hold on my account i again forwarded the letter to Bank Yesterday i went into the bank to deposit money and learned i have a overdraft fee of XXXX!!!!!!!!! for the issue with the XXXX, i was just done CBIC and filed a complaint to be sure they take accountability for their discrimination toward XXXX XXXX business owners and my account was suddenly terminated and closed without any explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX A Hard Inquiry made by SYNCBPAYPAL appeared on my XXXX Credit Report which I did not authorize. It was an individual transaction and the identifying information they provided was my name and a previous address. SYNCBPAYPAL also requested supplemental information including 1 ) Public Records and Residential Information from the County Recorder 's Office and 2 ) Consumer Credit Information. This was all listed on my XXXX Credit Report. I do not have a Pay Pal account nor want one. I did call SYNCBPAYPAL on XX/XX/2019, and spoke with someone in their Fraud Department who opened a case # XXXX. I was told it would take 7 to 10 days to receive their report after they complete their investigation. 
This Hard Inquiry has affected my credit score and I'm trying to do everything to prevent further damage including placing a Fraud alert with all ( 3 ) credit bureaus and monitoring my accounts frequently.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/PAYPAL, Inquiry : XXXX XXXX, 2020 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit card or prepaid card

This complaint is against United Bank. The following is a copy of the language submitted to United Bank : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA  XXXX XX/XX/XXXX United Bank XXXX XXXX XXXX. 
XXXX, VA  XXXX XXXX : ACCOUNT XXXX ( XXXX DEBIT CARD DISPUTE ) 1. My name is XXXX XXXX and I am the sole account holder for United Bank Checking Account XXXX. 

2. A XXXX  debit card was issued in conjunction with the above referenced checking account. The XXXX card number is XXXX XXXX XXXX XXXX. 

3. This is a formal dispute of purchases made with the above referenced XXXX debit card. 

4. All of the disputed purchases were made with XXXX XXXX XXXX XXXX , XXXX ( a.k.a. XXXX ). I entered into a formal contract with XXXX and I have enclosed a copy of that contract in its entirety. 

5. Section 10.3 of the contract indicates the role XXXX with respect to pet services arranged via their website. In sum, XXXX is the facilitator of payments for services provided between private parties. In accordance with the terms of the contract, XXXX transfers funds from a pet owner to a pet service provider within 48 hours after completion of the service. 

6. Each individual transaction was processed as a credit purchase. At no point in time was a pin number provided for any purchase.

7. The following purchases are formally disputed : a. {$290.00} on XX/XX/XXXX b. {$42.00} on XX/XX/XXXX c. {$42.00} on XX/XX/XXXX 8. I contacted XXXX in the middle of the services being provided via telephone and put them on notice that the Service Provider was not abiding with the terms of the contract. Despite being put on notification ( on more than one occasion ) of the contract not being adhered to, I was offered no assistance and funds were released in violation of the terms of the contract. 

9. I attempted to work with the company to resolve the issue on many occasions. I have attached my last email communication. XXXX never responded. 

I am happy to provide any additional information that would help with this matter. Please contact me via the following email address : XXXX ( note, this may be different than the email on file ). 

I look forward to hearing from you. 

Sincerely, XXXX XXXX, XXXX. 


Enclosures On XX/XX/XXXX, United Bank issued a DENIAL OF CLAIM and found that the merchant " ... has abided by the terms and conditions of the contract .... '' I continue to contend that the merchant violated our contract and was not authorized to disperse funds from my credit card until services were fully completed as defined in said contract. The merchant was on notice that its contractor was not abiding by the terms. In addition, the merchant is negligent in how it verifies the completion of contractor assignments and has yet been able to articulate how they verify the task has been completed. That is the crux of their service.