23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

in XX/XX/2023, In addition to placing a call to PNC Credit Cards I visited a PNC Branch and the branch representative placed a called to PNC Credit Cards in hopes of assisting me with resolving the card. The last payment I made to the PNC Points Card ( XXXX ) was on XX/XX/2023 in the amount of {$71.00}. I did not make the XXXX payment on time and accrued a late payment ( {$27.00} ) and interest. I called PNC Customer Service in the beginning of XXXX and researched hardship options provided. I was reimbursed the late fee of {$27.00} charged for the month of XXXX as a courtesy and provided several hardship assistance options by phone and was encouraged to review the online options provided. I did not move forward with the hardhip assistance options provided by phone or online. I chose to cash out {$170.00} from the PNC Points Card ( XXXX ) Rewards and of the options provided on the PNC site, have the cash-out reward deposited to my checking or savings, I chose to have the reward money deposited in my checking account XXXX. The money was not deposited in the checking account and was applied as a balance reduction to the credit card on XX/XX/2023. The amount was not applied as a payment on the PNC Points Card ( XXXX ) and continued to reflect as late for the month of XXXX and XXXX. I made PNC Credit Card services aware the money should have deposited in the checking and not applied to reduce the balance however they were unable to acknowledge the error and/or deposit the rewards cash out balance of {$170.00} in my checking account ( XXXX ) I intended to use to make several payment to the credit card. I visited the branch representative and they were able to assist me in contacting XXXX Credit Card services on my behalf and confirmed reversal of the application of the rewards would not be possible. I acknowledged I would be unable to make payment on the Credit Card. In XXXX, I then closed my PNC Checking account ( XXXX ) and PNC Savings account XXXX. PNC Credit Card services did not close my credit card account until the week of XX/XX/2023, my last visit to the branch where the representative called PNC Credit Card Services and confirmed hey had closed the account with a balance on it. I was charged a late fee in XXXX, XXXX, and XXXX of {$38.00}, I am still not certain why the fee increased from the traditionally charged {$27.00}. I was charged a late fee, again, on XX/XX/XXXX and XX/XX/XXXX of 2023 after I had confirmed the card was closed by PNC Credit Card services. 

The PNC Points Cash-Out Rewards balance of {$170.00} was not appllied to the correct account.
Product: Checking or savings account

After almost a year of going back and fourth with Bank of America it is unfortunate I have yet to be properly assisted. When filing my complaint I explained in great detail how {$28000.00} of Edd funds and my bank card was used without my consent and how Bank of America failed to update my address after informing them of the change for months. After showing again proof of the wrong address, submitting two police reports, and re opening my claim Im still left with no logical answer. I last was assisted by XXXX XXXX a resolution specialist or regulatory complaints and was extremely disappointed when he closed my case after sending the same exact redundant documents thats been sent to me numerous times and were the reason I escalated this matter further. Ive asked for proof of my authorization something with a signature something with my correct addres and have only received a transaction list. I again did not consent to any of these charges nor did I allow anyone else too. I also did not reside in the address listed at that time which Ive also explained. I was also sent a document stating my claim was denied because multiple factors indicate the transactions were authorized by me. I would like to receive proof of the multiple factors other than transactions that do not prove nor provide proof of my authorization nor the identity of the person who made these charges. This ordeal has affected my business greatly and Im starting to feel as though me being XXXX plays a part in the lack of assistance from Bank of America. There is no logical way to print out a sheet of trasanctions and link them to me without any other proof and I would not be fighting this hard for something that was within my control. I do feel Ive been fairly treated, over looked, and racially profiled seeing as Bank Of American can not provide proof other than a transaction sheet to properly deny my claim. Ive also been given multiple other excuses such as I was denied for using the card after making a claim. This is false I was sent a new card and used the new card plus {$9.00} or so that was credited to me. I was also told my claim was denied because the address the card was sent to was my correct address on file. False the original card was sent to a XXXX location I live in XXXX and the newer cards were sent to XXXX  however the card with the disputed trsanctions were not sent to my XXXX  address on file. I would hate to have to continue opening this case, going public with this mistreatment, or to seek legal council. Ive spoken with many supervisors and customer service members at Bank of America that were just as confused about my denials as I. Everything I was told to submit I was able to. Bank of America unfortunately have no support proof or documents other than the same trasaction sheet which is redundant seen clearly the whole purpose of this is me disputing unauthorized transactions.
Product: Debt collection

XX/XX/2014 I had an accident, I went to the XXXX Hospital in XXXX NV for treatment, after several months they were sending me bills, I contacted the hospital to send the bills to my medical insurance, they never sent anything to my insurance. I called my insurance and I told them I had that issue, they make several calls to the Hospital trying to get documents to pay that bill, but never got answers. Finally the Hospital sent my bill to an Agency Collection, the same way my insurance contac them to pay that bill never got answers, I have phone calls mesages from my insurance telling me unfortunately the collection Agency never provided the information my insurance request.My Insurance was XXXX ID XXXX phone XXXX, you can contact them if you need more information about my case.
Product: Money transfer, virtual currency, or money service

Cash App I have XXXX $ worth of fraudulent transactions that cash app could not help me recover my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through my XXXX XXXX housing information to get a credit report. As they said I should be able to get one free credit report each year. I entered information to get my trans-union report. They give you tabs to get the report and a tab to get the score. No where does it tell you that getting the score is different than getting the report. My lender told me I would have to get my score through this free site. Then I find out they charged me {$20.00} just to look at my score. This is highway robbery and a complete deception. I had to get a little mad at them to get them to refund the money. I was told it would take up to 5 days to refund the money, it sure did n't take them 5 days to take it. This happened 2 days before payday and the {$20.00} was all I had to live on until them plus it was going to pay my gas to get to work. There should be a huge flag warning people they are about to be charged. The was no button to push giving my permission and no $ amount shown.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I tried to get pre-approved loan for a property and that is when I found out there had been fraudulent activities. I was in disbelief when I found out I knew the perpetrator. It is my own mother that had used my information against me. We are not in contact and our relationship had been damaged. She is recently harassing, defaming and stalking me. XX/XX/2020 she used my information to track down my doctor and former adviser from school to get more information about me. We reside in two different state. She found my former address where my close friends still lives and surveyed the area and called the cops on that address to do welfare check. She wanted to confirm I still reside there. She has my number but did not call or text me that she is in town. These incidence has caused me to have severe anxiety, nervous and I am always in fear of what she is doing and what she wants. I am afraid for my life and I need HELP.
Product: Mortgage

I have tried to work with PHH but they had continued to deny that they even had my loan. I called several times and they advised my loan was not with them when I had been receiving notices and mortgage statements from them. I now have a foreclosure sale date and I am afraid to lose my home because they people didnt want to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$910.00} ; XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # 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 an 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

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. 

Creditor Name : XXXX XXXX XXXX Date - XX/XX/2021 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be re-investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. Federal Law states that you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested, to be provided within fifteen ( 15 ) days of the completion of your investigation. Lastly, pursuant to Sections 1681i, subdivisions ( a ) ( 6 ) ( A ) & ( B ), demand is hereby made that you provide me a copy of my report, reflecting the results of your re-investigation " no later than 5 business days after the completion of the investigation. '' According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thanks in advance for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
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 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

On XX/XX/XXXX My fha loan was broker out from XXXX XXXX XXXX   to Carrington mortgage service due to the covid-19 and because they went up on there credit score. Few weeks went by then oon. XX/XX/XXXX I received a text message from my loan officer ( XXXX XXXX ) stated that underwriting approve my loan with ( Carrington ). On XX/XX/XXXX I was sent a approve email and 3 day disclosing. Then on XX/XX/XXXX @ XXXX I received a email from a attorney office stated that they firms was handling my property closing and I was scheduled to close on XXXX, XXXX at XXXX. And I need to wire transfer my 3.5 percent on XXXX XXXX which I did. Well on XX/XX/XXXX @ XXXX I should up to closing they stated that they didn't sent over the final contract. The same day I contact my loan officer ( XXXX XXXX ) and he stated that he contacy them ( Carrington ) and waiting on reply. A other few week went by I wasn't get any answer from city worth or Carrington. On XX/XX/XXXX I received a other 3 day disclosure and closing date was a XX/XX/XXXX but two days The on XX/XX/XXXX, @ XXXX I received a text message from my loan officer ( XXXX XXXX )  stated that underwriting ( Carrington ) won't let us closing because a old collection from back XXXX and that I had to pay it off for us to close. Which I did then on XX/XX/XXXX @ XXXX I received other messages from loan officer ( XXXX XXXX ) stated that we was waiting on CXXXX. A other few weeks went by without no response from both company. On XXXX XXXX I received other message loan officer ( XXXX XXXX ) Stated the XXXX won't let closing because of tax return and request irs transcript. ( Mean while XXXX XXXX loan was extended the contact on the house with the seller 5 time by now ). By XXXX XXXX I have heard anything from both company. On XX/XX/XXXX @ XXXX. I received message from loan officer stated that the underwriting ( Carrington ) wasn't responding. Then on XXXX, XXXX, XXXX I received a other message from my loan officer ( XXXX XXXX ) stated that now underwriting stated they the collection and tax was clear and now Underwriting ( XXXX ) stated that i can't use {$4700.00} of the XXXX that the attorney already have she stated that it couldn't be source. Meanwhile ( My Family of XXXX are living in hotel waiting in closing date ). I work on source a other {$4700.00} which i came up with it with my saving and pay check. On XX/XX/XXXX I received other message from my loan officer ( XXXX XXXX ) stated now she at underwriting stated there other issue ( Carrington ). Then on XX/XX/XXXX, I received a message from my realtor for me to sign a ( unilateral notice to terminate contract and disbursement if my XXXX earnest money to the seller ) which i didn't sign. Because don't want to lose my {$3000.00} earnest money. But I never received any other information about my loan so I'm waiting in hotel for a denial letter or something. I'm lost the house because they won't extended the contract anymore.. so I'm XXXX with family of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters, disputed, called and notified my credit bureaus that this is a result of identity theft. My wifes ex sister in law was staying at our house when we were out of the state and this was opened and had access to our bank account cards. My XXXX email was hacked and breached and to my understanding was used to correspond with this company. My wife and Is phone were hacked and flashed for our number and it took getting new phones to resolve this. We had to stop payments on this when my wife balanced the check book and realized money wasnt balancing and there were multiple withdrawals for this including having to get new cards and accounts etc. Its my understanding also that the address used was XXXX XXXX XXXX XXXX but we moved in XX/XX/2018 to XXXX XXXX XXXX XXXX and utilized our XXXX credit union account. Its my understanding that the calls on the original loan have voices from multiple different people. This loan shows refinanced and it was my understanding that this was to be closed and removed but it looks like someone got to run off with the money and I did not take this loan with my knowledge or consent. The contract I have seen only once stated interest in the amount of something like 188 % which I dont believe to even be legal. They are stating I owe {$2500.00} to them and this is a result of identity theft. I just recently learned my rights and have asked them to remove this after the XXXX account and XXXX breach along with my drivers license and wallet being stolen from me at work. I have had multiple loans with my credit union and would never need a loan with this insane interest which is predatory to say the least.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account # XXXX
Product: Debt collection

I sent a certified letter dated XXXX/XXXX/XXXX and my ask was. 

After viewing a copy of my credit report, I noticed a collection account placed on my credit from Account Resolution Corp opened on XXXX/XXXX/XXXX and reporting balance {$250.00}. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 

Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Debt collection

I got an alert from my credit monitoring stating that there was a new collection added to my credit report and when I pulled my report I saw Ability Recovery services. I do n't know who they are collecting for or for what reason, I never received an early warning notice.
Product: Credit reporting or other personal consumer reports

Today, I am writing this complaint to EQUIFAX regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they had completed the investigation. However, when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. 
payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.