23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

PNC Bank paid XXXX of my online checks a day earlier than I had scheduled it to be sent. When scheduling an online bill to be paid the actual field is labeled SEND ON and then you can click on a calendar and select a date. I selected my payment to SEND ON XXXX/XXXX/15. It cleared my account on XXXX/XXXX/15, creating a negative balance, so now I have incurred a fee of {$36.00}. When I called PNC Bank, I was told that their policies and practices are explained in the fine print, so they would not refund the fee. So evidently, somewhere the fine print reads, any check you request the bank to SEND ON a specific date, could possibly be sent much earlier and actually CLEAR your account before the SEND ON date you requested? Well is n't that a win-win for the banks. WIN ... .their operations do n't have to be responsible or intelligent and the language they use can be deceptive. WIN ... .they can charge a fee when a payment clears earlier and makes an account negative. XXXX are collected by banks through these fees and on processes the banks have DESIGNED to produce fees. As long as they disclose their inept practices and warn the consumer that their inept practices could cost the consumer, it 's all legal? If the consumer did n't bother to read and comprehend the XXXX page legal-eze that appears before they click to sign up for a service, then any nasty thing that happens is legally the consumers fault? Is it now even legal for banks to use deceptive language, like SEND ON?
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

Consumer ID # XXXX on XXXX Report. My Accout was overdrawn at XXXX XXXX  XXXX XXXX XXXX back in XXXX. Mortgage with XXXX XXXX and overdrawn account were both named in my Bankruptcy Filing of XX/XX/XXXX and discharged. Somehow a delay in reporting this debt ended up on XXXX though it was already resolved prior. I want it REMOVED IMMEDIATELY and in it's entirety like it never happened because it never should have happened to begin with.
Product: Student loan

I filed for chapter XXXX bankruptcy and have sent in various documents from the bankruptcy court, my attorney, and the trustee and they refuse to acknowledge the bankruptcy, they have even contacted the bankruptcy court and still refuse to acknowledge and continue to attempt to collect the debt for the last 12 months.
Product: Credit reporting or other personal consumer reports

XXXX refused to accept any payments. They redirected me to True Accord. I paid the debt in full and have requested XXXX and XXXX remove the negative remark from my credit report. None of the XXXX have responded. XXXX is reporting a bad, charged off account which is inaccurate and unlawful. Please respond to my request expeditiously as I have been attempting to settle this for over XXXX months without any results.
Product: Mortgage

I send a notice to close escrow in XXXX. They finally closed it in XXXX. Sending me a letter that I was going to get my money on escrow back. They have refused to send it for 5 months.
Product: Credit reporting or other personal consumer reports

Equifax credit reporting is refusing to work on the disputes I submitted and sent out a bogus letter be email saying that they did not know if it was me. That is XXXX and just a delaying tactic. 

I want Equifax to fulfill their legal obligation to work on the disputes that I have submitted and remove several late payments that are incorrectly being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an unauthorized inquiry on my consumer report and according to FCRA legally these unverified an unauthorized items must be removed. They never got permissible permission to report without my consent and I never consent anything 15 USC1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts to dispute my identity theft situation with Experian they continue to unlock my account and allow companies and etc to damage my account by reporting inaccurate information against me and fail to remove it. 
Now my score reads XXXX while my others are sitting locked and accumulating points. 
I dont even purchase anything what they are doing is wrong and needs to be stopped I have not signed or consented to anything whatsoever and have had my Identity stolen my ID and Social Security card has not been recovered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me because I can not recognize this business. 
Please delete this account from my credit report. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX will not STOP ruing my TRANSUNION CREDIT REPORT they keep reporting INACCURATE FRAUDULENT UPDATES to TRANSUNION and they wont STOP I mean STOP NOW something has to be DONE NOW they started back up ruing my CREDIT every since I opened this new DISPUTE for them to DELETE this fraudulent XXXX XXXX account when the dispute resulted completed on XX/XX/XXXX they FRAUDULENT VERIFIED and LIED to TRANSUNION that this account was OPEN and it Was a LIE because it was CHARGED OFF and CLOSED on XX/XX/XXXX I have the PROOF see all the INFORMATION attached and then they came back and updated on XX/XX/XXXX with TRANSUNION and reported the account CLOSED again and XXXX XXXX just verified to TRANSUNION that it was not CLOSED to REOPEN it back up on XX/XX/XXXX. THIS has to STOP please help me CFPB XXXX XXXX has to be STOPPED. I have reported this to the FTC because my IDENTITY has and was FRAUDULENTLY USED this called IDENTITY REPORTING FRAUD. this is a FCRA Violation called RE-AGING also with reopening aged CHARGED OFF accounts and CLOSING it 5 days later with the dates of closing changing from XX/XX/XXXX to the NEW FRAUDULENT CLOSED DATE XX/XX/XXXX XXXXXXXX XXXX is DEFINITELY going to PAY for the INACCURATE FRAUD reopening and closing of this account data and deleting the closing date and reporting a FRAUDULENT closing date 5 days later to ruined my CREDIT and making it look like I have a RECENT CHARGE OFF after they CLOSED the account again from REOPENING the account 5 days prior. THEY have to be STOPPED NOW and TRANSUNION is the CREDIT BUREAU that is LETTING them update and report the INACCURATE VERIFICATION of FRAUDULENT INFORMATION and they wont do anything NOR will they FIX my CREDIT REPORT and DELETE this account. I have sent in so many documents of proof and made so many COMPLAINTS and NOTHING is being DONE attached again will be included my IDENTITY THEFT complaint report in reference to XXXX XXXX and TRANSUNION.
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX, yet XXXX XXXX  is not removing this fraudulent account. XXXX XXXX  has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet XXXX XXXX  has refused to do this. The following is the fraudulent account : XXXX / XXXX / XXXX.
Product: Debt collection

Ive contact the law enforcement agency and filed a report and affidavit. They claim the identity theft report is valid. And lastly, I contacted the credit reporting agencies. XXXX have removed the accounts per legal requirement. But for some weird reason Equifax feels Im not following all the steps. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! XXXX have already removed this account from their records. 
I know the consumer laws and the courts are very lenient with the banks and credit reporting agencies so filing a lawsuit is a waste of energy. Seeing Ive submitted my claim with XXXX for over 6 months, Im at wits end. This is the 6th complaint Ive filed against them and every time I get the same ridiculous response. They make some absurd claim that the documents Ive submitted are not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started out by disputing this inaccurate late payment with toyota in XX/XX/XXXX.  I have still yet to get a proper investigation of this matter with either Toyota or XXXX and XXXX. Ultimately it is now on XXXX  and XXXX to remedy the problem because they are reporting the inaccurate item. The creditor toyota tells me to contact credit bureau and the credit bureau tells me to contact Toyota. Both companies point fingers and do not do anything to help me out. As you can see from my attachment I have added my current dispute which was send on XX/XX/XXXX.In addition it has a copy of my XXXX online credit report which shows that this late payment is not even reporting on my XXXX account and hasn't been ever. It doesn't not make sense for a late payment to report on 2 of the 3 credit bureaus especially if it claimed to be accurate after your investigation. I was not late on this account and it is impacting my current profession significantly and needs to be addressed properly.
Product: Mortgage

I'm on a CARES forbearance. I've been paying as much as a can, I'm currently 30 days behind. My initial 6 month forbearance has been approved, but I've been unable to make contact with the servicer to extend the forbearance. I've sent emails, left voice messages and tried online to extend the forbearance. They do not respond. I'm scared and I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   and Experian has reinserted a collections account that was deleted 6 months ago from my credit file. I was not notified that the collection would be reinserted or the reason why. This violation has made m y credit score dro p dramatically.  XXXX   XXXX  is the collection agency and the original creditor is   XXXX   XXXX   for rent. I have also disputed this collection directly with the  XXXX  credit bureaus and has heard nothing back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reprinting innaccurate information and are in violation of my FCRA rights as a consumer which is punishable with {$1000.00} per offense they refuse to remove these items XXXX card is fraud as they insisted I was paying with a XXXX XXXX checking account but I will attach a XXXX XXXX letter stating I never opened such account but yet this is the 3rd time Equifax is reporting this as verified yet they dont send me relivent information and nieghter does XXXX card!! The second time is XXXX XXXX this has already been verified as fraud on XXXX and XXXX yet they are still reporting it .... furthermore XXXX XXXX  has confirmed this is a fraudulent auto account as well and XXXX  and XXXX have deleted it but Equifax is still reporting this.. furthermore there are inquiries from XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX that have been reporting that are fraudulent and Equifax  is still reporting this they are in violation of my rights of FCRA laws
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has continued for the last 5 years at least to put an item on my credit report which do not include my birth date or social security number. I learned after thinking this item was removed from my account that it was placed on it again in XX/XX/XXXX. At which time I contacted XXXX XXXX XXXX XXXX and in a three way call with XXXX XXXX proved that the billing was not mine and my accounts with XXXX XXXX XXXX XXXX were paid in full and I did not use them on the date in question. Since this time XXXX XXXX has requested that this item be removed from my account but for some reason Equifax refuse to remove it and only states that the consumer disputes this account information which is what I did when it was first placed on my report. Equifax never responded to the dispute and after the seven year period when it was coming off it was placed on my report again without a birthdate or social security number to verify it is my account. This false information has cause great financial hardship, mental and emotional distress with the difficulty it cause in obtaining items on credit and the higher interest rate I am charged for this false information. 
Item to address recent collection account XXXX XXXX account number XXXX date filed XX/XX/XXXX last date reported XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Im a consumer who has been directly impacted by actions identified in CFPB consent order of 2020 against Omni Financial. 

Ive long disputed this debt and as its clear that Omni violated the MLA and EFTA, continued reporting against me is a violation of FCRA. 

Ive suffered numerous financial hardships by way of increased interest rates and credit denial because of these unjust reports. Omni has continued to report the same debt as 2 different derogatory trade lines with XXXX. 

I received no compensation after the finalization of CFpB consent order.
Product: Checking or savings account

I am the personal representative of a recently deceased XXXX  citizen who held several US assets, including a Chase savings account. To access that account so that I distribute the funds to the decedent 's beneficiaries I provided Chase with ( i ) two forms of photo identification, ( ii ) a signed copy of the will naming me the decedent 's personal representative, ( iii ) the original XXXX  death certificate, with an apostille on the reverse side, and ( iv ) an English translation of the XXXX  death certificate and apostle, signed and notarized by a US based and certified translator. After much back-and-forth with Chase representatives, who claim to be conferring with the Chase legal team, Chase representatives insist that I need to furnish an apostille affixed to the English translation. Since I used a US based and certified translator, and am submitting the English translation to a US bank ( Chase ), there is no reason to have an apostille on the translation, and getting one comes at significant cost. If I had hired a translator based in another country to produce the English translation, an apostille of the certificate of translation would make sense, but as I said, I used a US translator. Not only will Chase not explain why they need an apostille affixed to the English translation, but they refuse to email me instructions or explanations as to what I do need to provide and will only convey messages via phone. This adds to my administrative burden, plus it makes it harder to explain to the decedent 's family why I will be spending several XXXX dollars on an additional translation, notarization, and apostille. Having a written account that Chase is requiring this extra translation and apostille is especially important as several of the decedent 's beneficiaries are familiar with the basics of international law and understand that there is no rational basis for requiring an apostille on a US issued translation. I do not want the decedent 's family to think I am being wasteful with their inheritance. More importantly, I do not want to waste their inheritance on unnecessary documentation.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) properly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX
Product: Debt collection

I have been contacted by Credit Control , LLC saying I had account from XXXX XXXX XXXXXXXX XXXX XXXX with acct. # ending in XXXX. I dont know this bank and said on XX/XX/year> I made a charge of {$720.00}. This company continues to harass me regarding a charge not mine and any charge I have incurred has been handled. My concern is identity since I have been breeched by XXXX over the past 5 years.
Product: Mortgage

I have been requesting a mortgage pay-off for the last 4 years but the lenders involved have not provided one for me. They submitted a pay-off in 2014 with the amounts they say are owed but the figures were not correct ; they lumped everything together and wo n't separate the amounts. There are monies I 've paid that are not reflecting on the pay-off they provided in 2014. They have kept my house in foreclosure for seven years and I have submitted modification packets 30+ times but they say they have not received all of my documentation the 30+ times I have submitted it. All I need is a correct pay-off with the lumped amounts separated so I can refinance with another company since it is evident, after seven years, they will not do a modification for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Workforce Solutions ( The Work Number ) fails to send full disclosure report after multiple requests. The Work Number fails to send the report and repeatedly continues to request identification and proof of address, despite that information being sent with each request. Summary of requests : XX/XX/21 via standard mail requesting a full disclosure report - I included high resolution copies of state ID, passport, and a utility bill. I received a request for id and proof of address dated XX/XX/21. On XX/XX/21 I mailed, via certified mail bearing tracking XXXX requesting full disclosure report - again I included high-resolution copies of ID, passport and electric bill. Their response was to send yet another request for ID and proof of address dated XX/XX/21. These companies hold an enormous amount of power over consumers ; It is not unreasonable for consumers to expect their responses to be timely, unambiguous and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account number : XXXX Amount : {$200.00} XXXX XXXX Account number : XXXX Amount : {$30000.00} XXXX XXXX Account number : XXXX Amount : {$250.00} XXXX XXXX  Account number : XXXX Amount : {$98.00} XXXX XXXX Account number : XXXX Amount : {$21.00} XXXX XXXX Account number : XXXX Amount : {$260.00} XXXX XXXX XXXX Account number : XXXX Amount : {$6100.00} XXXX XXXX Account number : XXXX Amount XXXX {$42.00} XXXX Account number : XXXX Amount : {$520.00} 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 : States a consumer reporting agency can not furnish an account without my written instructions.

These companies are violating my rights.
Product: Bank account or service

I was denied the opportunity to open a joint bank account at XXXX XXXX XXXX XXXX with my husband because of derogatory information reported to them by XXXX.