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

Dear CFPB, I contacted PNC Bank last week in regards to a check that I wrote to myself from my XXXX Account. I deposited the check on Monday XX/XX/2018. The disclosure on PNC mobile bank state that funds would be deposited within 2 business day. I waited the 2 business days and no funds were deposited to my PNC checking account. I contacted PNC on Friday XX/XX/XXXX and the representative told me I had a hold on the check and would be deposited to my account on XX/XX/2018. I checked my account today XX/XX/2018 and no funds were deposited. I contacted PNC again in regards to my missing funds and now are telling me because it is a new credit card now the funds are being held until XX/XX/XXXX. I advised the PNC representative that I have written numerous checks payable from myself from my XXXX account and do not understand why the bank is withholding funds that I need to pay a bill with. No one has helped me at all and I feel the bank is taking advantage of me. Without the funds, I can not pay a bill and is negatively impacting me. It is extremely unfair that PNC is withholding funds and keep being changing their reasoning why they won't give me my money, and if anything keep changing the story on their end. It appears to me that they simply want to take advantage of me and the situation. I am writing for assistance from the CFPB to help in this matter.
Product: Credit card or prepaid card

Comenity Bank approved me for a {$300.00} limit XXXX XXXX card. I haven't used for a little since waiting to use it. They closed it cuz i didn't use it a lot. Which isn't fair. Now told me apply again but won't let me get it. Due to me rebuilding my credit. I think it is totally unfair that they closed it when wasn't misusing it. No real explanation. Cant believe cards companies do this. When people trying to rebuild credit. No real talk. Not professional.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax provided a response XXXX stating XXXX and XXXX are reporting the student loan accounts accurately. This statement is false ; 1. XXXX transferred my loans to XXXX as shown in the attachment clearly displaying the total loan amount due. 2. XXXX is no longer in operation and Equifax DID NOT speak nor receive a written response from any one at XXXX. 3. I spoke with XXXX yesterday, XXXX verbally and re-confirmed the total amount referenced on the letter sent from XXXX to XXXX along with the total amount due. This information is indisputable ; it is clearly written and visible that the XXXX account is an exact duplicate account that is reported on my credit report. All XXXX accounts are correct and the XXXX account should NOT be listed on my credit report. 

If this issue is not resolved I will have to take this matter to court due to negligence. Equifax can not deny what XXXX has in their database, the letter provided as proof, along with the existence Fedloan is NO LONGER OPERABLE!
Product: Credit card or prepaid card

Company refuses to reinstate my credit limit of {$1600.00}. They should have contacted me before obtaining a credit report on XXXX XXXX XXXX  They should had gave me 30 day notice of decreasing my credit limit. Also, on XX/XX/XXXX I purchased XXXX  gift cards that I paid cash and they charged my target card. I only charge my target card for the non-gift cards. I called to file a dispute and they said they did it, but it was never put through. When I first open the account up with them, I was promised a {$40.00} voucher part of my new membership for opening the card.never sent to me.every time I try to use my card in target half the time it doesnt work. This is the worst stire card I ever had.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 we ( my husband and I ) received a letter from a third party collection agency in re to a XXXX charge card in my husbands name. We did not recall using the card in some time. My husband called the company who sent the letter to verify the validity. We then contacted XXXX credit card customer service. The agent we spoke with informed us that the card had been closed due to non-payment. We had not received any calls or statements from XXXX in re to a payment due, and were unaware what the payment was for because we had not used the card in quite some time. XXXX replied that we had a cease and desist on phone calls, which we never placed ( oral or written ) and that the address they sent statements to had not been returned. The address they had was an old address and not an address we use for bills -- we always use a po box for billing. The agent was unable to tell us when the last charge and item charged was because the account had been closed, but stated that she would request the original statement be sent to the correct address. 

After not receiving a statement after 7-10 days, we contacted XXXX again about the statement. This time we spoke with a manager who assured that a statement would be sent out to us. We informed both XXXX and the third party collector that we were disputing this charge, because we ( 1 ) do not know what the charge is for ; ( 2 ) were not given any fair collection effort by phone or mail and were not the makers of any cease & desist ; and ( 3 ) still have not received any statement or proof of purchase made. The amount is minute and easily payable, but the companies failure to contact us and to allege that we continuously made a cease and desist every 14 days is preposterous. This is the first negative account on our credit report and we are aggrieved by the actions of XXXX and the company managing their credit card portfolio.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes Hard Inquiries have been addressed with the 3 major Credit Reporting Companies however for reasons I am unable to understand or explain the Credit Reporting Companies fail to remove the Inquiries when they expire. XXXX XXXX XXXX made an inquiry on or about XXXX XXXX, 2015, that resulted in a HARD INQUIRY which should have fallen off my Credit Report however it remains and continues to be reported. There are other Hard Inquiries that will be expiring soon and hopefully they will be removed without submitting a Complaint or further review of my Credit Report History.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are reported inaccurate information on my credit that's not allowed by law everything has to be 100 % accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/XXXX I sent them this formal complaint to show that there was inaccurate and incomplete credit info being put on my credit report The debt collector is saying I owe XXXX From XX/XX/XXXX Lloyd & McDaniel , PLC XXXX XXXX XXXX XXXX, KY XXXX I am writing to formally dispute the validity of the debt referenced under Account Number : XXXX, which your company has contacted me about. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am requesting a complete validation of this debt. 

Please provide me with the following information : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. Documentation verifying that I have a legal obligation to pay this debt to your client ; 4. Proof of the original contract or agreement that generated this debt ; 5. Detailed account statements showing the calculation of the balance claimed ; 6. A copy of any judgment ( if applicable ) ; 7. Proof that you are licensed to collect debts in my state. 

Please be advised that I am not requesting a " verification '' of my mailing address, but a validation of the debt itself. Be aware that the FDCPA also provides that until you validate this debt, you must cease all collection efforts, which includes reporting it to any credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is inaccurate because I paid as agreed by the creditor. I have disputed this item for the past two months regarding late payment status that was inaccurate. 

There was no way I could be 30 days late in XX/XX/XXXX, when I made a payment on XXXX XXXX, XXXX, nor did this account close in XX/XX/XXXX, when it previously showed this account been closed since XXXX. Also, prior credit reporting on XX/XX/XXXX, reflected I was 30 days late but on XX/XX/XXXX, your agency reported I was current in XX/XX/XXXX, supporting my request. Your agency inaccuracies are affecting my credit score rating and under FCRA statue I may be entitled to compensation for this type of damages.
Product: Credit reporting or other personal consumer reports

please update all late payments to PAID ON TIME OR AS AGREED 15 USC 1666B SEE ATTACHED DOCS
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am requesting that you provide information regarding a credit report listing that appears as XXXX XXXX XXXX # XXXX within my consumer files. Until I fully understand this tradeline, I wont know whether I should dispute either the credit reporting or its underlying debt pursuant to FCRA, FDCPA, or other applicable statues. Please know that I have received authoritative 15 U.S.C. 1679a ( 3 ) assistant in framing and sending this reasonable request and that I stand ready to escalate further should I not receive the information within 15 days because you may have seriously damaged my rights, personal reputation and financial standing. For that reason, I am demanding you very specifically for the following information : Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 
Sincerely XXXX XXXX The following accnt is Fraudulent I'm a victim of identity theft, my information has been found on dark web and XXXX data breach. I have no knowledge of this account I demand immediate removal as the law prohibits false information from being on my credit report according to my consumer rights that has been violates 15 USC SECTION 1681, violation unfair deceptive practices, violation of ftc. I will sue {$1000.00} per violation if this is not removed immediately. 

There is also a letter attached regards to Delete Utilization as well as that is illegal to report law states it should be 5 % or lower or delete all utilization
Product: Credit reporting or other personal consumer reports

I had a parent student loan through Citizens Bank for my daughter who was attending college. On XXXX XXXX XXXX I paid the balance off in full- {$34000.00} after I confirmed this was the pay off amount. On the same day, I received a letter from Citizens congratulating me paying off the loan. On my credit report it shows that the account was " paid and closed '' as of XXXX XXXX Additionally, the Citizen 's website also showed that my balance was paid in full. Months later they attempted to charge me an additional {$310.00} with a monthly payment of $ XXXX this appears on my credit report as of XXXX XXXX On my credit report for XXXX XXXX it shows that I owe {$310.00} with monthly payment of {$4.00}. For XXXX and thereafter it shows Citizens and its loan servicing company XXXX XXXX claim this was for unpaid interest. They reported this to the credit agencies as a " charge off '' of with a zero balance yet they are continuing to report that it is past due as of XXXX XXXX XXXX. I have sent letters and called numerous times and there is no one that is willing to correct this error. I have also disputed it on my credit report and they have refused to correct the error. I had multiple loans with this company and they have all been paid promptly. This is destroying my credit.
Product: Checking or savings account

On XXXX XXXX, XXXX, I realized that my core checking account at Bank of America went into overdraft after being charged a $ 12 monthly maintenance fee. I then noticed I was charged the same $ 12 monthly maintenance fee on XXXX/XXXX/XXXX. I called BOA at XXXX to understand why I was charged a monthly maintenance fee and I was told that letters went out in XXXX XXXX that certain waivers would now be charged for this account if it fell below a daily balance of {$1500.00}. I requested that I be refunded the {$24.00} for the maintenance fees so that I could close out that account and that I did not receive the notice about the new fees. 

I was told by a supervisor by the name of XXXX, employee ID XXXX, that the fees charged would stand. I explained to her that I did not receive such notice and if I would have, I would have closed out the account at that time. Since BOA had a correct mailing address for me, she refused to waive the {$24.00} in maintenance fees. This account was opened on XXXX XXXX, XXXX and I have never received any monthly maintenance fees on this account at all until XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I settled my account with XXXX confirmation number I was given is : XXXX. I was told that my items on the report would be removed with the XXXX XXXX reporting. Instead I received an alert that XXXX reported a " high balance '' and my credit score dropped. I called both XXXX and the credit bureaus to correct this and both pointing a finger at each other saying there is nothing they can do.
Product: Credit reporting or other personal consumer reports

I sent multiple companies request to remove hard inquiries that keep affecting my credit due to data breaches by XXXX and XXXX exposed my personal information I need my credit report fixed and negative information impacting my report removed.
Product: Vehicle loan or lease

Called Flagship Credit Acceptance regarding lowering payment due to hardship of no job. Was told several times they don't lower payments. They constantly call me every day sometimes 4-5 times from different numbers seven days a week. 
States that until I am current they will continue to call even if one day late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Opened XX/XX/XXXX Account XXXX XXXX - this account is not mine Macys Opened XX/XX/XXXX Account XXXX XXXX  - this account is not mine XXXX Opened XX/XX/XXXX Account XXXX XXXX  - this account is not mine 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy.

US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau.

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Product: Mortgage

Shellpoint received the loan on XXXX XXXX from XXXX XXXX. Prior to XXXX XXXX the loan was owned by XXXX XXXX XXXX. during this time I requested and excercised my rights for escrow removal. On XX/XX/XXXX, XXXX XXXX granted my request. There was a double pay of insurance and I made an agreement to repay the monies by paying an additional payments of XXXX per month including my monthly payments to XXXX XXXX XXXX. XX/XX/XXXX, XXXXI filed a complaint with Shellpoint escrow departmen about this matter. 
The complaint # XXXX was created for to address this matter. All documents were sent and Shellpoint is noncompliant. There is NO escrow and I have been paying my own property insurance and taxes. Shellpoint is attempting to use bullying tactics which they have a reputation on forcing escrow and violating a borrower 's rights to which the borrowers has enough equity in their homes with no PMI such as myself to raise their monthly payments. Shellpoint stated that a modification was done in XXXX that is the reason why there is an escrow. That is false information and that modification holds no merit because of 3 factors 1.The modifcation was created under loan # XXXX, 2. the loan was sold back to XXXX XXXX XXXX were I was granted removal of escrow., 3. the loan was sold back to XXXX which there was a new loan # XXXX which voided out any modification from previous loan # XXXX and payments remained {$710.00}. Furthermoe loan number XXXX modification does not state that it was mandatory to hold an escrow. XXXX XXXX did not tell the truth, I was granted from XXXX XXXX. for removal of escrow account. I will be receiving the XX/XX/XXXX letter, proving that XXXX XXXX granted my request for escrow removal. Also the XXXX XX/XX/XXXX letter can be found in the loan documents that Shellpoint has in their possession.This agreement was in place a year before Shellpoint received this loan. This loan does not need an escrow analysis due to there is no escrow account. a In closing attached to this complaint, is evidence showing XXXX XXXX 2 different loan numbers when the loan was held by them. I also filed a complaint with FTC about this matter.
Product: Credit reporting

Theres XXXX accounts listed on my credit report the Equifax that do not belong to me and I have contacted all parties and sent a copy of my police report. I have also contacted a law firm that specialize only in suing credit bureaus. This company is called XXXX and I have been in contact with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is maddening! Despite the multiple dispute letters and CFPB complaints that I have been submitting against the Credit Bureaus, they still have been failing to verify the validity of the disputes items on my Credit Report. I have already sent a letter to the XXXX, XXXX, and Transunion Credit Bureaus last XX/XX/2022 requesting the verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus since the first dispute letter I sent to the Credit Bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Also, the Credit Reporting Agencies are bound to comply with the Fair Credit reporting Act section 605b and remove the fraudulent accounts and information being reported on my Credit File. Once again, I am requesting that the Credit Bureaus remove the following fraudulent items completely from my Credit Reports : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX Balance Owed : {$8100.00} XXXX XXXX XXXX  XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$100.00}
Product: Credit reporting or other personal consumer reports

I have reached out on my credit to Equifax and other credit bureaus about this issue Equifax has stated that these accounts just open XXXX XXXX XXXX and the last payment was made XXXX I wasn't even in the state of XXXX and I was homeless no job and I told them that is not me so I did a little more research myself and called the XXXX XXXX bureau that was located on my credit report and they said that someone used your information and describe my information and they said that they sent these private loans to two different accounts that the person did it online and I'm like well that is not me and they would not provide me any more information so XXXX XXXX went and had to investigate but did not do it thoroughly investigation and only identify my information of date of birth social and not ask the school board when was these accounts open because they told me the account was open XXXX that's what the student loan board told me and Equifax told me the counts was open XX/XX/XXXX so something is not adding up and they said it's three different accounts it's not the XXXX account Equifax told me but the XXXX XXXX told me those two loans are equal to the XXXX account it is not me
Product: Debt collection

I did not authorize to consent to nor benefit from account. Block and Remove Pursuant 15 USC 1692G
Product: Debt collection

I have complained to this company several times, and they keep reporting this fraudulent debt on my credit report. It is identity theft plain and simple. My personal information was STOLEN from a car lot in XXXX, Georgia. The dealership was shut down by the city for an astronomical amount of criminal activity. XXXX XXXX XXXX XXXX and TAG Financial is very aware of my concern. However, they choose to put greed over the fairness of the consumers. They have used XXXX connotations to me a phone conversation stating, " You people do not ever pay your bills. '' Really? Why should I pay a fraudulent debt? I have reached out to XXXX. XXXX  XXXX, and the XXXX. It is very unfair, XXXX, and demeaning. I think this company should be fined and shut down.
Product: Credit reporting or other personal consumer reports

BACK IN 2017 SOMEONE STOLE MY PERSONAL INFORMATION AND GOT A LOAN FROM XXXX XXXX XXXX. AS OF RIGHT NOW THIS ACCOUNT IS CLOSED AND IT HAS BEEN PAID SATISFACTORILY BUT SINCE THIS IS A FRAUDULENT ACCOUNT AND IT WAS NEVER MY ACCOUNT I WANT THIS ACCOUNT TO BE REMOVED FROM MY CREDIT REPORT. I HAVE CONTACTED THE XXXX XXXXXXXX XXXX NUMEROUS TIMES, I HAVE EMAILED THEM NUMEROUS TIMES, I HAVE SENT THEM MY IDENTITY THEFT REPORT AND NOTHING HAS BEEN DONE. I HAVE NOT RECEIVED ONE EMAIL RESPONSE FROM THEM. I AM KINDLY ASKING TO HAVE THAT FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. THANK YOU
Product: Student loan

With XXXX XXXX/AES I have been told that I eligible for several different forebearance and in school deferment options, and when I check back I am being told I am not eligible for anything because I am past my grace period. I am not even eligible for lower payment and as I have applied for other things I have been told I am eligible for and have been turned down ... I am behind over XXXX. I have been in touch with many different representatives who have told me different things and today I was just told I am not eligible for anything. This is very frustrating and I need help trying to work out a affordable flexible repayment plan.