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

I have checking account at PNC Bank. On XX/XX/2020 I tried to check my account online but was denied access. On XX/XX/2020 I went to the PNC branch on XXXX  and the XXXX XXXX XXXX XXXX. My ATM card did not work, meaning that I was denied access, I asked to speak with a banker and the banker advised me that I would receive a letter in the mail. I left confused so I called customer service and they advised tthat the account was frozen for my protection. I advised the customer service rep that there was not any fraud and veried the charges to my account. He did not speak very good XXXX but told me that he would send me a letter and a cashiers check for the balance. I advised the representative that I had not done anything wrong and was not sure why they would close my account. The represe tative asked me if I wanted to file a. complaint and I said yes. The representative advised me that his supervisor would call me the next day and reopen the account. As of today, XX/XX/2020, I do not have access to my account or my funds a d have not received written or verbal communication from PNC Bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate late payment entries on my credit report regarding my account with XXXX  XXXX ( Account # XXXX ). These late payments appear to be reported in error, as the account is marked as Current across all bureaus and there is no valid evidence to support these entries. This is a violation of the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. 

Details : Account Name : XXXX  XXXX # XXXX Late Payments : The account is marked as Current across all three credit bureaus, yet late payments are reported inconsistently : XXXX : Reports 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
XXXX : XXXX 30 days late ( XX/XX/XXXX ) and 60 days late ( XX/XX/XXXX ). 
Equifax : XXXX 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), and 120 days late ( XX/XX/XXXX ). 
This is a major discrepancy because : The Payment Status is listed as Current. 
The Past Due amount is {$0.00} across all bureaus, meaning no payments were late or owed. 
XXXX. High Credit Discrepancy : XXXX and XXXX : List the High Credit as {$510.00}. 
Equifax : Lists the High Credit as {$0.00}, which is incorrect and inconsistent with other bureaus. 
XXXX. Future Reporting Dates : XXXX and XXXX : " Last Reported '' date is XX/XX/XXXX. 
Equifax : " Last Reported '' date is XX/XX/XXXX. 
Reporting dates in the future violate FCRA Section 607 ( b ), which requires timely and accurate reporting. 
XXXX. Date Last Active : XXXX : XX/XX/XXXX. 
XXXX : XX/XX/XXXX. 
Equifax : XX/XX/XXXX. 
These discrepancies suggest inaccuracies in the account activity information. 
XXXX. Payment History Contradictions : The Payment History shows late payments for specific months ( XXXX, XXXX, and XX/XX/XXXX ), even though the account status is listed as Current with no past due amounts. 




Violation of Consumer Protection Laws : Violations of 15 U.S.C. 1681 ( FCRA ) : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of consumer information. Reporting late payments on a current account violates this standard.

2. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : I have the right to dispute any inaccurate information on my credit report. The bureau must conduct a reasonable reinvestigation to verify its accuracy.

3. 15 U.S.C. 1681i ( a ) ( 5 ) : If the disputed information can not be verified as accurate, it must be promptly deleted or corrected.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Information furnishers, such as creditors, are prohibited from knowingly reporting inaccurate information.

5. 15 U.S.C. 1681s-2 ( b ) : Upon receiving notice of a dispute, the furnisher must investigate, review relevant information, and report its findings to the credit bureaus.
Product: Debt collection

NCO financial was the owner of a prior debt. Five days after I settled this debt the same account was sold to another debt collector. The new debt collector XXXX XXXX refuses to remove debt from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2003 XXXX XXXX XXXX was reported as a Hard Inquiry on my Credit report for Equifax. I have tried contacting them to please remove this inaccurate item off my credit report, I never gave permission for it to be ran or filled out.
Product: Credit reporting 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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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: Debt collection

I request Debt Validation Claim under the law 15 USC 1692 G. I need all 4 of these items. A. I want sent to me a full detailed list of the payment history on this account. B. I want to see my original signature that I agreed to on the contract with the creditor on this account. C. Has there been any Insurance Claim found on this debt? D. I want to see the chain of title that you have to collect on this debt. Lastly I need to see the 1099 C that was sent to me from the original creditor on this debt. This letter should be dated today and comes from me, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ca XXXX. Phone number ( XXXX ) XXXX my email is XXXX XXXX
Product: Debt collection

On multiple occasions, beginning in XX/XX/year>, I have requested information to validate the veracity of this debt. I am legally due this validation within 30 days of request and CREDIT SYSTEMS INTL IN has failed to provide this information after multiple requests.

I have asked for written validation, all invoicing, evidence of all payments made by the insurance provider & all payments made by myself to be sent to my home address. This has not been provided.

I have also asked for proof of the authority of CREDIT SYSTEMS INTL IN to collect on this debt and to report to my personal credit report, again this has not been provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed a letter about inaccurate information on my credit report. It has been almost 2 months and I still haven't received any results of an investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has been reporting inaccurate late payments on my auto loan account. The late payments report as followed : account XXXX  : XXXX ( auto loan ) Inaccurate XXXX XXXX XXXX and XX/XX/year>. 

I was never late on this account. I spoke with a representative who also determined after thorough review that I was never late and provided me with an updated payment ledger proving my on time payment history, specifically notating the months that were reporting XXXX XXXX and XXXX XXXX as on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act XXXX Account OneMain Financial, XXXXXXXX XXXX XXXXXXXX, XXXX, IN XXXX, had violated my rights. 
15 USC 1681 Section 602 states, I have the right to privacy.

15 USC 1681 section 602 ( A ) Section ( 2 ), It is also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  & Experian & XXXX XXXX were all supposed to send free credit reports to me!

XXXX sent my credit report with A WRONG FIRST NAME ON THE ENVELOPE!

The Letter was opened by another person in my family who has the same last name as me!

Of course - sending out people 's confidential financial documents with wrong first names is a wrong thing to do!

For a lot of reasons!

For other people - it could have been a lot worse!

Experian & XXXX XXXXreports have still NOT arrived!
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. XXXX XXXX Account number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the name and business address of each individual whom you verified the above, so that i may follow up. Please send an updated copy of my credit report after your re- investigation.
Product: Mortgage

Rushmore Loan management has illegally charged my Escrow account {$1600.00} in premium for a eight months insurance coverage and has denied to refund that amount. My condo has been insured always from the XXXX XXXX XXXX, they added coverage overlapping insurance coverage already in place and continues to answer that they can do it at will from the mortgage contract. The mortgage contract is clear that they shall not change insurance waivers unresonably.
Product: Mortgage

I applied for forbearance in XXXX due to the loss of my husbands job. I was told I was approved and I requested another 3 months of forbearance in XXXX. I called for forbearance repayment options several times and was told I had to wait until XX/XX/XXXX to discuss repayment options. I applied for XXXX homeowner assistance and was approved although I am still awaiting payment. I contacted the mortgage company to discuss repayment options and I was told that I would be ineligible because there was a pending 3rd party to make full back payment. I called again and applied and was told it would take 30 days. I called again on XXXX and was told it could take 60 days. I called on XXXX to inquire why my account is blocked from allowing me to make an online payment, I was told my account is in forbearance status still and I can not make payments online. I would have to make a payment over the phone for a {$12.00} fee. I then get notice that my credit score dropped XXXX points because the mortgage company reported that I was over 120 days late on my mortgage. This bank is destroying my credit and they are doing nothing to assist me. All they do is give me misinformation or direct me elsewhere. My mortgage was or still is in forbearance but they are reporting this extreme lateness to my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

The recent credit report shows a balance of XXXX dollars. It was already paid off, but is still on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered TransUnion Consumer Solutions was reporting an unverified and inaccurate public record ( bankruptcy ) on my credit report. Despite attempts to resolve this issue directly with TransUnion Consumer Solutions, continues to report the erroneously, and the information remains uncorrected, which detrimentally, and adversely affects my creditworthiness. 

I contacted TransUnion Consumer Solutions on XX/XX/XXXX, and again on XX/XX/XXXX, unverified and inaccurate public record ( bankruptcy ) on my credit report. Despite explaining that the four digits of my Social Security number on the public record do not verify the accuracy of the public record or its completeness. I explained that at best TransUnion Consumer Solutions can merely assume verification of the public record obtained from XXXX. Therefore, TransUnion Consumer Solutions continues and fails to conduct a proper investigation as requested thereby, rejecting the removal of the inaccurate, incomplete, and unverified public record from my credit report.
Product: Debt collection

I was served papers last week stating I was being garnished for a credit card from Providian national bank taken out in my name on XX/XX/2000. I was a stay at home mom at this time and I have never had a credit card in my name during that time. someone forged my name and I can not pay this garnishment. I am willing to do hand writing sample to compare the signature and prove it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and  XXXX  dozens of times about inaccuracies on my credit report. Every single time I dispute,  XXXX  comes back with different information, and Equifax just let these companies put errors on peoples credit report. These  XXXX  entries should already be deleted, but  XXXX  is reaging the accounts. They are not even submiting account numbers or date of last activity because they know it has passed the statue of limitations.   The report number is :  XXXX   XXXX    XXXX   Show Details   XXXX    XXXX / XXXX / XXXX  {$4800.00}  XXXX / XXXX / XXXX  {$4800.00} CHARGE-OFF  XXXX   XXXX   XXXX  Show Details   XXXX    XXXX / XXXX / XXXX  {$11000.00}  XXXX / XXXX / XXXX  {$11000.00} CHARGE-OFF {$15000.00}  XXXX   XXXX    XXXX   Show Details  XXXX   XXXX / XXXX / XXXX  {$10000.00}  XXXX / XXXX / XXXX  {$10000.00} CHARGE-OFF
Product: Credit card

On XX/XX/XXXX I purchased a spa package for {$100.00}. They refused to give me a receipt, and upon checking my statement, they charged me {$350.00}. I filed a dispute with CitiBank but they declined to reverse the charge because I never provided the sales slip/receipt. As stated, the merchant refused to give me a receipt despite multiple requests.
Product: Checking or savings account

Have had a claim open since XXXX for a charge regarding a laptop that never came and I was never refunded for. Bank is telling me I must wait up to 120 days to get a update on whether i am getting my money back. Clear violation of regulation e as it has been more than 10 business days so a credit must be applied. Spent over 10 hours XX/XX/XXXX and XX/XX/XXXX on the phone with representatives who did not help or give me any updates.
Product: Credit card or prepaid card

- I HAVE ACCOUNT WITH CAPITAL ONE CREDIT CARD, ON XX/XX/2022 I PAID BY PHONE {$160.00} ( TRANSACTION XXXX ). 
- ON XX/XX/XXXX I PAID {$77.00} and my balance to pay was XXXX. 
- ON XX/XX/XXXX, PER A REFUND OF ITEM I RECEIVED {$190.00} AND WAS IN THE CREDIT CARD AS CREDIT. 
- ON XX/XX/XXXX CAPITAL ONE CREDIT CARD COMPANY CHARGED ME {$160.00} POR A TRANSACTION THAT I NEVER DID ( MY LAST ONLINE ORDER TRANSACTION WAS IN XX/XX/2022 ), ALSO I DIDN'T RECEIVE ANY ITEM - *****IN XX/XX/XXXX AT XXXX ; XXXX, I CONTACTED CAPITAL ONE AT PHONE ( XXXX ) XXXX XXXX, THE REPRESENTATIVE INFORMED THAT CAPITAL ONE IS NOT GOING TO REFUND ME {$160.00} THAT THEY TOOK FROM MY ACCOUNT. 
- *****ACCORDING WITH RECORDS : CAPITAL ONE ON XX/XX/2022, RECEIVED TWO PAYMENTS FOR {$160.00} AND {$160.00}. IN XX/XX/XXXX I JUST PAID {$160.00}. MEANS THAY NEEDS TO REFUND THE MONEY TO THE TD BANK, INSTEAD OF TAKE MONEY FROM MY ACCOUNT ( I CONTACTED ON XX/XX/XXXX, XXXX XXXX PHONE XXXX XXXX XXXX AND THEY STATE " WE MAKE A CAPITAL ONE DISPUTE ON XX/XX/XXXX, FOR {$160.00} THAT THEY CHARGE ME EXTRA ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB -Experian has responded that XXXX XXXX STATES THIS IS legitimate- NO DOCUMENTATION - ZERO - and has placed this FRAUD statement on my credit bureau again- Experian has no PROOF - NO DOCUMENTATION what so ever and never will - this is a fraud debt by this firm XXXXXXXX XXXX- I am demanding Experian follow the FTC guidelines on Credit Reporting - I am XXXX - elderly and XXXX this is a TOTAL fraud and I have reported it to the ADA * XXXX * I am seeking damages in a court of law - This is what is reported ** XX/XX/2018 Source Experian Date Submitted XX/XX/2018 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report, report number ending in XXXX as of today, XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( " FCRA '' ), whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX, are not complete and are not accurate. I filed a previous complaint to reinvestigate these inaccuracies and incompleteness on XX/XX/year>, however upon receiving the reinvestigation results, nothing was correctly modified or updated. Per the Internal Revenue Service ( " IRS '' ), Charge-off accounts are not to be reported on any consumer reports, as they are tax credits to the furnisher once charged-off and are deemed taxable income. I demanded a thorough and transparent description of the reinvestigation and XXXX did not provide it to me which is a violation of 15 USC 1681 ( i ) ( 7 ) and 15 USC 1681 ( i ) ( 5 ). Furthermore, any late payment ( s ) being reported must be correctly updated to paid ; on-time. The inaccurate and incomplete reporting of any late payment ( s ) is a violation of 15 USC 1666b and 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I demand immediate corrective action regarding this grave matter of concern.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off dispute letters to Experian, XXXX, and XXXX  on XX/XX/2018.I did get results back, however, there are still things on my report that do not belong to me they are still reporting! This is effecting my life and I need them to send original signiture pages from each debt collection company that claims I owe them. Also, they are violating the FRCA regulations by reporting items they are not suppose to with out proof of verification. I also need them to delete all addresses except XXXX XXXX XXXX XXXX XXXX GA XXXX. 

Best, XXXX XXXX XXXX XXXX
Product: Mortgage

Re ; SPECIFIC CUSTOMER MORTGAGE STATEMENT REQUESTED, DATED XXXX or XXXX OF XXXX, From, XXXX # XXXX The Wells Fargo, We cant find it reply is unacceptable and obvious BS. Wells Fargo has claimed to the Courts and to the CFPB these monthly statements exist as recent as their XXXX XXXX, XXXX CFPB response. I have been asking for these statements since XXXX. 
12 years of one excuse after another. 

WITHOUT RETAINED RECORDS, How is Wells Fargo able to? 
Defend themselves in the upcoming Mediation? 
On XXXX SEND ME A CHECK for {$1600.00}? 
On XXXX XXXX, XXXX in CFPB response case # XXXX send me a Wells Fargo correspondence XXXX XXXX XXXX? 

This is the core of the Banks deception ; they have consistently lied to Foreclosure XXXX and XXXX agencies like the CFPB. 
At what point are the harmed consumers going to see relief from the CFPB Civil {$1.00} XXXX Civil Penalty Fund collected from Wells Fargo? Where are these Tens of Millions of funds going?? 
DOES THE CFPB ACTUALLY REVIEW THESE CIRCUMSTANCES, OR DOES AN ANNONIMAOUS OVERPAID WORKER FROM HOME, JUST CLICK CASE CLOSED BASED ON EVERY LAIM RESPONSE FROM THE BANK? 
CC ; CFPB XXXX, XXXX XXXX Wells Fargo, XXXX XXXX XXXX XXXX XXXX XXXX Banking XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act, XXXX Accounts # XXXX from XXXX  XXXX, # XXXX XXXX & XXXX, # 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 DEPARTMENT OF EDUCATION, XXXX XXXX XXXX DEPARTMENT OF EDUCATION, 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.
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX account ( XXXX XXXX account number XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a member of Experian. I tried to access my account last night to check my report and was told that I had entered the incorrect username or password. I had not. When I tried to reset my password, it asked for my pertinent information : First Name, Last Name, Birthdate, last 4 numbers of my SSN and my mother 's maiden name. After entering this information, it told me that I was not in the system. When I tried to rectify over the phone, it hung up on me. It is all automated and does not give you the option of speaking with a representative. I finally called a number in California and was on hold for 15 minutes before I spoke with a representative. The rep told me that Experian was migrating old accounts to a new accounts and we could not log in to our account. They could not tell me how long it will take. I never received correspondence from them even though they said that they sent emails. They would not forward the email to me. I asked the rep to file a complaint and she said she would. I am concerned.