23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I got a notice from XXXX XXXX today about an adverse report added to XXXX When I checked it, it is from XXXX XXXX XXXX XXXX for a debt of {$620.00} owed to 5/3 Bank. I have never had a credit card through then, and closed my checking/savings with them about 10 years ago. Neither 5/3 or XXXX XXXX XXXX XXXX has ever contacted me by phone or letter. Under contact for the company only has their name and no phone number or address to reach out to. I googled them and several different XXXX XXXX XXXX XXXX companies come up, but I have no idea which one to contact
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened a Virtual Wallet Performance Select account with PNC Bank on XX/XX/2022 with a required {$5000.00} direct deposit within 60 days to earn a {$400.00} sign up bonus. My work took too long to process my direct deposits, so I called PNC Bank and downgraded my account to Virtual Wallet with Performance Spend that had a required {$2000.00} direct deposit within 60 days to earn a {$200.00} bonus. I was told by the customer service representative who downgraded my account over the phone that if I direct deposited {$2000.00} by XX/XX/2022 that I would receive the {$200.00} bonus. This is the reason why I downgraded the account. It is now XXXX and I still have not received the bonus after having direct deposits to PNC Bank all this time. I called PNC to check on the status of my bonus, and the representative told me I originally signed up for the Performance Select account so I would not receive the Performance Spend bonus of {$200.00} that the representative told me I would receive after downgrading. I told them I was told that I would receive the bonus and that I was told deceiving information and that I was not happy. A couple days later another representative from PNC called me. I told her about the situation. She told me that I would not get the money, but she could still put in a complaint to PNC " to try '' to get the bonus. After the complaint, I never received the bonus. It is very frustrating that I have been making direct deposits since last year and the bank is taking advantage of me. PNC Bank owes me the {$200.00} bonus they promised me.
Product: Debt collection

In accordance with the fair credit reporting act ( XXXX XXXX ACCOUNT NUMER STARTING WITH XXXX } in the amout debt of {$470.00} 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 602 A section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION STILL REPORTING IN MY CONSUMER REPORT : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2022 XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Under 15 US Code 1681b permissible purposes of CONSUMER reports XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my CONSUMER report
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
I have been XXXX XXXX  for the last XXXX years, someone stole my XXXX card. Remove every item, from my three-credit report, at this moment, its pretty hectic just now. Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

This is a third or more of attempts to have my problems/issues resolve with Gregory Funding. 
I am not able to make online payments. 
I am aware of the pandemic and limitations to having people working as before, but I am not getting a response from the mortgage company XXXX Gregory Funding XXXX within a reasonable time. 
Erroneously my XXXX 's 2020 mortgage payment was applied to the XXXX 's 2020 payment by Gregory Funding, when I had already made the XX/XX/2020 to the previous mortgage company XXXX XXXX XXXX. As stated on Gregory Funding 's letter, payments on the account should be forwarded to them as on XX/XX/2020, but the letter is dated XX/XX/2020 which came after the XXXX 's payment was already submitted to the XXXX company. Gregory Funding should have not applied the XXXX 's payment towards the XXXX 's and afterwards say that I am/was behind my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should not be found on my report because of too much inaccuracies. I already demanded them proof about the validity and the accuracies of the details of the reported accounts yet they do not hear nor take time to contact me about it. So here I am filing a complain against these companies who, I believe violated FCRA.
Product: Debt collection

I get a medical bill on collection showing on my credit report that I do not have any knowledge of. I never received any invoice from doctor office just collection calls contacting me about this issue without any explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I have a second mortgage on my home that was serviced by XXXX. It was transferred to XXXX XXXX XXXX sometime in XXXX 2017. On two of three credit bureaus it is reported as paid. On Experian, XXXX is claiming that we are 30 days past due. I have called XXXX and they claim to have fixed the issue. I applied for a new mortgage and XXXX is still claiming we are 30 days past due on a mortgage they no longer service. This is causing considerable financial distress to my family. We need help.
Product: Credit reporting or other personal consumer reports

Dear [ Recipient ], I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes.

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as XXXX and Experian conduct their operations with

fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information. Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for Experian, or any furnisher of information to credit agencies to share my personal information. Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution. Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports. Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer
reporting agencies, and XXXX and Experian are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by

15 U.S. Code 1681e. Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately. In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.
Product: Checking or savings account

Im on government XXXX and receives XXXX a month for the past two years now all of a sudden this might someone has taken {$430.00} out of my money for no reason and no one that handles my funds can you give me a reason why because everybody Ive talked to the attorney general and even Social Security people have no idea of whats going on and they keep just telling me its nothing they can do. I recently just had a XXXX XXXX XXXX  and I need I have to pay for medicine and other expenses including my rent and now I cant even afford it and Im leaving the hospital here in within two days with no funds in order to pay my rent, Even the supervisors has giving me different stories on who has the money and what can be done pretty much nothing can you please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have no agreement with Radius Global. I never provided them with my contact information however, they have sent a text message to my phone.
Product: Student loan

On XXXX XXXX XXXX XXXX took our my normal automatic withdrawl for my student loan in the amount of {$220.00}. They then also took out another {$220.00}. On their files it said that they then paid back the double debit from my account, refunding me {$220.00}. The records from my bank show that a debit was taken on {$220.00} on XXXX XXXX, XXXX and then again on XXXX XXXX, XXXX with no refund given. 
I first called their company on XXXX XXXX, XXXX and was told to send an email to customer service along with my loan number. I did this that same day and and email was sent back saying that it was being forwarded to an account XXXX and I would hear back from then. I then called again on XXXX XXXX, XXXX as well as XXXX XXXX, XXXX with no progress made and got no answers. During the XXXX XXXX called the representative advised me to not make my XXXX XXXX payment. I did this as a XXXX time non-payment with it saying no money was due. 
Since that time no money has been refunded, no principal has been taken off of my loan amount, interested has continued to incur on my loan, and I have not had a reply email or phone call from the company. 
I emailed them also on XXXX XXXX, XXXX as well as today, XXXX XXXX, XXXX with no response.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i am filing this complaint because XXXX, XXXX and equifax has ignored my requests to provide me with the documents that their company has on file that was used to verify the accounts, i disputed. being that they have gone the 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra- they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Product: Checking or savings account

This complaint is against Regions Bank. The sent me an advertisement last month for opening a new checking account with the promotion of {$400.00}. One of the conditions for getting the promotion is to have at least 10 purchases with its debit card within 30 days from the date of opening. I opened a checking account online with {$500.00} deposit successfully and requested a debit card. The card arrived after two weeks. I then activated it successfully. 
When I used the card, it did not work. I called customer service number, and the representative asked me for opening branch location. I told him I open online at my home address. He told me that he ca n't access my account since I could not tell him the open location. 
I then went to a Regions bank located in downtown XXXX XXXX, Texas with intention to close the account. The representative there could n't access my account since it was locked because I have not signed the paperwork for opening a new account. Well, it never told me that when I opened the account. So she made me sign a new account agreement so she can close it. I took it home to have my wife and I sign on that and brought it to the Regions bank in XXXX, Texas to close the account and get my {$500.00} back. The bank manager in XXXX, Texas, XXXX XXXX, told me that for a new checking account, it takes 30 days to verify in order for the debit card to work! So it 's a false advertisement because I can never make 10 purchase in 30 days to qualify for {$400.00} promotion. 
After they close my account, they only refunded me {$460.00} instead of my {$500.00} deposit. Guess what? They made me sign the new account agreement before they closed it, so they can charge early termination fee!
Product: Money transfer, virtual currency, or money service

My employer does not offer direct deposit. Every month for years we are mailed paper checks. Recently the owner of the company I am employed, informed me I can cash my check at Bank of America the day I receive it and there would be no reason to wait until the post dated date. That is dated for document purposes only. The funds are available the minute the check is signed. 
This month, like many previous, I recieved my payroll check on XX/XX/2018, post dated for XX/XX/2018. I went into Bank of America, where the check is issued and drawn off of, but I am not a customer. Bank of America refused to cash the check due to postdated. My employer confirmed there was no notice on accounts to not cash post dated checks and they should cash the check as long as funds are available, which they are. 
After researching it, Wa State adopted the Uniform Code and all RCWs state there is no law stating they can not or should not cash my check. The same bank cashed the same payroll checks to other co workers that bank there with no issues. I simply expect to have the same treatment and want to ensure if it is not illegal to cash a post dated payroll check, then why I am being denied that service?
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report on XX/XX/XXXX, and I noticed that Equifax is reporting current information that is two years old. Two years ago  XXXX XXXX XXXX XXXX ( Company Bureau ID XXXX ) reported An auto loan delinquent on XX/XX/XXXX, because I decided that I couldn't continued to recover the cost of a vehicle in repairs that was worth XXXX at purchased and finance for XXXX with warranty that would not cover the repairs of {$3000.00} after only having the vehicle for eight months and spending {$3000.00} in repair cost I could not afford the repairs and with a warrant that I purchase with the vehicle that didn't cover the cost. The problem is that between XXXX XXXX XXXX XXXX and the credit bureau, this delinquent keeping showing up on my report as current or recent delinquent, which continues to worsen my credit score. Equifax has reported this delinquent for XX/XX/XXXX and XX/XX/XXXX as current which is not correct. This delinquent happen XX/XX/XXXX. I would appreciate if you could help me resolve this matter. I am a retired military veteran and I try to maintain a good credit score, but sometimes things happen. Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and I noticed that there are several unauthorized inquires of my report. I do not recall applying for any account for business or credit. I am not sure who would access my personal information for credit or business. These transactions were not originated by me nor did I give anyone permission to pull my credit report. I already own a vehicle. The following inquiries are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am filing a complaint with the XXXX Police Dept as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ACCOUNT # 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 a account without my written instructions NAME : self lender XXXX Account # XXXX
Product: Checking or savings account

PNC Bank closed my account without my knowledge, while I lived in XXXX for a small overdraft. ( I moved XXXX  of dollars through that bank, and they made a lot of money off of me ) They drilled my safe deposit box open in XXXX of XXXX. They did not notify my beneficiary on my account, my stepfather, until 6 months later. They didn't notify me overseas, call my US number or email me ) I found out about this is XXXX of XXXX, after they sent a letter to my stepfather. 

They held my belongings in XXXX, PA for about 7 months, and there was NO WAY possible to contact them, so I patently waited for my safe deposit box, that was full of my late Mom 's jewelry who passed in XXXX, to reach the State of Florida 's Unclaimed Property Division. But, it never made it there. 

PNC Bank 's " officer of the customer, '' XXXX XXXX, told me it was stolen by XXXX  XXXX, and they claimed full responsibility, in XXXX of XXXX. What they didn't tell me, is that they took out a XXXX claim against XXXX  XXXX on XX/XX/XXXX, but failed to declare a value for the shipping labels, so the most they could receive is $ XXXX shipping, negligence! They refuse to pay me now, even though they claimed full responsibility, and it was lost or stolen under their care. A total of XXXX safe deposit boxes were lost!
Product: Credit reporting or other personal consumer reports

The information on my credit report doesnt belongs to me I would like the information removed from credit report. I filled a report through FTC EQUIFAX CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Mortgage Reporters XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As of today XX/XX/year> Experian is reporting a total credit limit decrease in the amount of {$XXXX} to {$XXXX} which is inaccurately reporting. My account with XXXX XXXX  in the amount of {$XXXX} is still open, and valid to verify isnt closed, nor has the lender changed the amount from {$XXXX} to {$XXXX}. Therefore, why is Experian reporting this drastic change on my credit report which has dropped my score and ruined my credit profile. Im still a XXXX XXXX  customer the account is still in good standing, also my utilization is XXXX  % at this time. Im not sure why Experian is reporting inaccurately but Im also aware Experian is being sued currently for this exact reasoning inaccurately reporting without properly investigating. Please update my reports immediately by federal law this should be done within XXXX  days.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 15681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
My information was leaked in the Equifax data breech and as a result I was forced to file bankruptcy to avoid a judgement against me for several accounts that were a result of the data breech and do not belong to me and are inaccurate. The accounts are as follows XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX / XXXX - Acct # XXXX XXXX. XXXX XXXX  XXXX - Acct # XXXX XXXX. XXXXXXXX XXXX  - Acct # XXXX XXXXXXXX XXXX Acct # XXXX