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

On XX/XX/2017, my mother died.She had a saving account with PNC bank, in XXXX, Delaware, in her name only.Instead of setting up an estate account.PNC bank gave my sister a cahiers check and closed the account, even though the Register 's Oder list XXXX co-adminstrators, PNC allow one co-administrator to handle the transaction on the estate of my mother.I need copy of the cashier 's check.My sister made severval unauthorized transactions on my mother 's saving account after her death at XXXX in XXXX, Delaware.PNC should follow Federal and State banking laws.
Product: Checking or savings account

I was in the hospital and my wallet was locked up with security. My Reliacard unemployment card through US Bank had two fraudulent bill pays. XX/XX/2021 for {$2000.00} payable to XXXX XXXX XXXX and XX/XX/2021 for {$1000.00} to the same person. No phone number listed for XXXX XXXX XXXX but an email was listed XXXX. It also shows the last four digits of his account as XXXX. I never used bill pay and never added this person as a payee. Total theft and fraud or bank mistake. I emailed it to see if it was a company but no response. I have contacted cardholder services many times and got many different answers. I still have not got my money back. Reliacard says the bill pay is a third party company called XXXX XXXX. They said they have no way to contact them. They can only submit an email to them and wait. No response from them and I have spoken to many supervisors. I need this money for my rent and bills. I have been dealing with this for so long. Ive sent them required faxes and they say they cant do anything else. I was told they cancelled the bill pay but that did not work. I also filed a complaint with the integrity department at the actual unemployment office. That did nothing.
Product: Debt collection

XXXX XXXX XXXX or Attorney representing them lied on a under oath notorized document ( magistrate court of XXXX county ) stating i had only made 1 payment of {$50.00} on a total amount owed of {$880.00}. 

The document then states after my {$50.00} dollars is deducted from the total amount due i owe {$830.00}. Amd now have a XXXX XXXX on Consent and affidavit for judgment civil action case being filed against me. 

I have copies of checks cashed by XXXX XXXX XXXX. I have filed complaints with the XXXX against them. And XXXX XXXX XXXX representative told me my contract for payment was voild back in XX/XX/2017 and i can be sued at any time all because they put my payment on another account.

XXXX XXXX XXXX or their attorny lied about amount owed, how many payments and now im at my wits end.

I stopped making payments in XX/XX/2017 when i quickly relized not only was my contract wrongly voided because of there error but i started being harassed for payments again.
Product: Mortgage

I was given a loan modification from Chase Bank in XXXX of XXXX because they said I met their qualifications for a hardship and I had never missed a payment. 
They never discussed with me the terms of the modification other than to say they would escrow my homeowners insurance included in my new payment amount. They never told me they were going to add fifteen years to my mortgage. 
Now on XX/XX/XXXX I have received an insurance bill from them for {$1100.00}. They have also just informed me that they have sold my loan which is why they added15 years to my mortgage. 
I have spoken with their executive office and was informed that Chase Bank regulations require them to make sure they have discussed the terms of the modification with their customers which Chase Bank failed to do. 
They have acted with impunity and deceit in order to take advantage of one of their customers. They did this knowing full well they were going to sell the loan and make a bigger profit by adding fifteen years to my mortgage
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. Also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 16661 B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and still noticed that there are items that are not right. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete, or unverifiable : Account : XXXX XXXX XXXX  Date Opened : XXXX Balance : {$9100.00} Account : XXXX Date opened : XXXX  Balance : {$2400.00} Account : XXXX Date opened : XX/XX/XXXX Balance : {$8500.00} Account : XXXX Date opened : XX/XX/XXXX Balance : {$4100.00} Account : XXXX XXXX  Date opened : XX/XX/XXXX Balance : {$63.00} Account : XXXX  Date opened : XX/XX/XXXX Balance : {$1100.00} I am entitled to complete and accurate credit history ; they are missing account information and they need to be removed. 

I want my credit report to be accurate and by law these companies need to remove accounts that are inaccurate, incomplete, or unverifiable. These companies need to respond with verifiable proof of an ORIGINAL consumer contract with MY SIGNATURE on file for the accounts above. Unverifiable accounts must be removed immediately. 

FURTHERMORE, there are late payments furnished on my consumer report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The account that has late payments showing on my consumer report are as follows : XXXX XXXX XXXX XXXX has late payments reported on XXXX XXXX XXXX XXXX XXXX 

LATE PAYMENTS ARE CONSIDERED AS TRANSACTIONS ON MY CONSUMER REPORT AND TRANSACTIONS ARE EXCLUDED FROM CONSUMER REPORTS PURSUANT TO 15 USC 1681 ( 2 ) ( a ) ( I ). These companies are in violation of 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration with the dispute process concerning an items on my credit report and to formally dispute these fraudulent information. Despite my diligent efforts to provide valid documentation, including the required FTC report, it appears that my message is not being properly received by your bureau. Let me be clear : I am personally initiating these disputes under my name. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

I am requesting your assistance in correcting my credit file, which is essential to my financial well-being and overall quality of life. I demand that you take immediate action to resolve this matter, and I expect to receive written confirmation of any updates made to my credit report. 

The items in question is unfamiliar to me, and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that this record be rectified. Enclosed is the items that are unfamiliar to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I took out a loan with Bank of America. They called Bank Americard the credit card division and got the payoff amount on an open credit card. On XX/XX/XXXX Bank Americard posted a payment for XXXX to my account. This was the amount provided as a payoff amount through the end of XX/XX/XXXX. In XX/XX/XXXX, I received a bill in the mail for additional interest in the amount of {$250.00}. The bill indicated it was for the period XX/XX/XXXX-XX/XX/XXXX. It stated the balances subject to Interest Rate were : {$6800.00} at 14.24 % and {$14000.00} at $ 14.24 %. I do not disagree with owing additional interest. However, I performed the calculations to compute the daily rate and found that they computed interest on a 31 day cycle ( XX/XX/XXXX-XX/XX/XXXX ) rather than a 21 day cycle ( through the payment date on XX/XX/XXXX ). They state I owe {$250.00}. That would be the amount for interest at 31 days. At 21 days the amount is {$170.00}. I called the Customer Service line and was first told the balance subject to interest was not the amount subject to interest. Then they insisted the charge was correct. Then they put me on hold for over ten minutes to compute the rate outside of the computer and disconnected me. I called back and spoke with another representative. They simply insist their calculations are correct. I asked to speak with someone who could actually go through the calculations again with me and was told the amounts are right and there is no one I can speak with. I told them that I am questioning whether they overcharge every person who pays of their credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXXXXXX XXXX and Equifax to investigate this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX however they stated everything was complete and accurate.but how is that possible ion the open date date of last activity and much more is incorrect. According to 15 usc 1681 ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 u.s.c.1681 section 602 A. state I have the right to privacy 15 u.s.c 1881 section 604 a section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c. 1681 section 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than record of convictions 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 cause to believe that the information is inaccurate. 

also they are not in compliance with metro 2 credit reporting.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX  XX/XX/XXXX
Product: Mortgage

In XXXX XXXX, I sent in XXXX and XXXX XXXX payments. They were returned because I was informed after the fact that Selene Finance wanted 3 payments submitted. In XXXX i submitted 3 payments for XXXX, XXXX, and XXXXXX/XX/XXXX7.. I was just informed that they sent back all 3 payments because they want XXXX  payments. In addition, they are trying to put me in foreclosure status if all 5 payments plus attorney fees are not submitted by XXXX/XXXX/XXXX. How can they return 3 payments which would have left me owing for XXXX and try to add fees of {$2400.00} ( attorney ). That is not fair. This company is rogue, rude, and they lie. I have call this office 8 times in the past 2 weeks ; there was no reason to send back 3 payments then push me into foreclosure. I will resubmit payment for XXXX in addition payment for XXXX will be submitted by XXXX/XXXX/XXXX. I am not going to allow Selene Finance to bulling me, create fear and punish me by adding unnecessary fees ( attorney ) for my loan to be re-instated. This company is disgraceful. I read over 300 complaints filed against this company since XXXX. I will resubmit all 5 payments due but i am not paying for fees because they are trying to foreclose. 

My loan number is XXXX my contact number is XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.
Product: Payday loan, title loan, or personal loan

This company has sent a text message which is disparaging me, violating at least one law that I know of while also presuming to lecture me on the law. 

When I am currently represented by a bankruptcy lawyer and that is in full legal force right now. 

They have also been lying and fishing forum information from family and friends, lying to them and trying to trick them into paying for my mistake and getting involved in these scum. 

No weapon formed against me shall prosper. 

Everything they are doing is blatantly and flagrantly violating the law. The fines involved in what they're doing outweighs my debt to them, tenfold. 

This abusive behavior has to stop.
Product: Vehicle loan or lease

Spring XXXX we were behind on payments we were able to catch up on all the past payments XX/XX/XXXX. XX/XX/XXXX my XXXX XXXX was repossessed without notice from Wells Fargo despite the account being up to date. We could not afford to get the car back from repossession due to the high fees the company was demanding. My car was then auctioned off and about {$1400.00} remained on my loan which went into collections. This repossession had a VERY NEGATIVE effect on my credit score and left me without a vehicle and jeopardizing my job. We were able to continue making the monthly payments and were up to date with payments however the cost required to obtain my car back was not feasible.
Product: Credit reporting

I have notice the creditor have listed a negative that is placed for collection that is affecting my credit, I have reach out to all XXXX bureaus to have to have the item remove, please investigate the concerns so I can restore my livelihood
Product: Credit reporting or other personal consumer reports

Improper use of my credit report I did not give a written consent to put things on my credit report by law 15 U.S.code 1602p Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

My car was repossessed without any notice. Im not sure of the date/year but I believe it was around XXXX - XXXX.
Product: Credit reporting or other personal consumer reports

This complaint is not sent in error, please read this seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my XXXX XXXX that I wouldn't even be able to afford help because of my low credit score due to these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Debt collection

On XX/XX/XXXX, I disputed XXXX XXXX XXXX in the amout of {$11000.00} and XXXX EXETER FINANCE is the Original creditor. As a result they listed the date that I disputed the account as the day the account was opened. In order for them to keep this on my ports for the next seven years or more. 


XXXX XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Open balance XXXX EXETER FINANCE Original creditor XXXX  Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX EXETER FINANCE
Product: Credit reporting or other personal consumer reports

I intent to Sue Transunion because they have been reporting inaccurate and incomplete information on my credit report for months. I asked them to correct it or remove the account they won't do their job I will Provide information about this account point out how they are inaccurately reporting if Transunion don't update each section of my credit report that is not reporting Properly then I will be filing a law suite I won't be letting Transunion play games with me!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts below have violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
Account XXXX and account XXXX had violated my rights. 
15 U.S.C. 1681 s-2 ( A ) ( 1 ) a person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the info is accurate. 
The open dates for these accounts are different across the three bureaus. Also it seems that this company has reported this dance debt as new a few times. I have this same account for the same amount with the same hospital on my credit report reported again as new this month. That account number is XXXX. One of the accounts that I'm disputing above was supposed to be off my report next year. The account These inaccuracies are doing me from buying a home for my family.
Product: Debt collection

This is old debt bought buy a new creditor and now suing me. I informed them long ago I wouldnt be able to pay due to XXXX, spouse losing his job. The lawsuit is threatening to make me pay for attorneys fees etc
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 1681 ( e ) 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 unvertiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item is found to be inaccurate or incomplete or can not be verified, the consumer, or modify that item of information, as appropriate, based on the results of 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 credit report, immediately :
Product: Debt collection

In XX/XX/XXXX I received a notice from XXXX XXXX that I owed money on an account that I did not recognize. I called the number provided ( XXXX ), and they were unable or unwilling to tell me who they worked for, but kept asking for my SSN to verify the alleged account. 

I then received another notice dated XX/XX/XXXX from XXXX XXXX alleging an increased amount due for the same alleged account. On XX/XX/XXXX, I took both of these requests to a local branch of XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) and met in person with XXXX XXXX. He went on his various systems and verified that based on my photo ID and SSN I have no account with XXXX XXXX, past due or otherwise. He then connected me on his internal phone with the XXXX XXXX Collections team, and they verified that the alleged account was not associated with me or my wife. 

I have now received a notice dated XX/XX/XXXX, from FMA Alliance , Ltd. alleging a further increased amount due on the same account that XXXX XXXX has already verified is not mine or my wife 's.
Product: Debt collection

This debt has been reported as paid by the original lender 12 years prior. XXXX XXXX has refused to remove it from my credit profile with XXXX
Product: Credit card or prepaid card

I have had this credit card for 8 years. I maxed out the balance at {$2200.00}. Each time I paid down over {$100.00} I called to decrease the available balance. I lowered it to {$1100.00} and have been making payments regularly. 
I received a letter stating that they were not going to renew my card.

After speaking to customer service I found out that it was because my credit score had gone down. Even though I was never late on this card they still closed it.

Now my credit score will go down even more.

I think this is unfair.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THIS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT XXXX AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE XXXX BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.