23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a notification from my credit monitoring service that a new major derogatory activity had appeared on my credit report indicating that one of my accounts has been reported as 90 days past due. When I called to follow up, I learned that the account in question ( XXXX ) was the same account I had called about over a year ago, when I discovered that there was an outstanding balance being reported when linking my financial accounts to a financial aggregator ( XXXX XXXX XXXX ). However, this account was tied to a XXXX XXXX  credit card account that migrated to PNC during their acquisition in XXXX. When I had asked the representative why I wasn't able to see it on my online or mobile banking with PNC, I was told that this account was no longer active, and that I did not need to worry about it and it would not impact my credit score. I wanted resolution from PNC 's IT team on why it was still showing up from the data pull from the bank 's API to the financial aggregator, but did not receive any escalation. Again, as long as there would be no impact to my credit score, I didn't see the need to continue following up. However, XXXX and behold, their data migration / operational errors are now leading to a derogatory report on my account and I am paying the price for THEIR mistakes. I am now in the process of having to PHYSICALLY mail in an explanation and exposing my PPI in the mail as the instructions are to also include my SSN as part of the dispute process. No physical address, no adjustor 's name, no email, or phone number avialable. Absolutely ridiculous that I have to go through this effort to be able to fix a mistake THEY made, and which I had ALREADY called in the past to follow up on, RECEIVED no escalation or action to follow up and provided FALSE assurances. I will be separately filing a demand letter with an attorney, but would like CFPB to look into this issue as a whole and examine the bank 's IT operational processes, in conjunction with the OCC, during the acquisition and to determine if other customers were erroneously impacted as I was. I would hope a financial penalty is also exacted against PNC if the investigation discovers that this problem was more impactful than just my individual case and there are BREAKDOWNs in their fundamental risk management processes.
Product: Checking or savings account

OUR CHASE CHECKING ACCOUNT WAS ILLEGALLY HACKED AND USED TO PAY A LOAN FROM XXXX XXXX TO XXXX XXXX  FROM XX/XX/XXXX THRU XX/XX/XXXX. A TOTAL OF 11 PAYMENTS WERE TAKEN OUT OF {$260.00} TOTALING {$2900.00}. THROUGH INVESTIGATION IT WAS DISCOVERED THE LOAN WAS USED TO PURCHASE TIRES AT XXXX XXXX XXXX XXXX IN XXXX FLORIDA. OUR RESIDENCE IS IN XXXX XXXX CALIFORNIA AND HAVE NEVER BEEN TO FLORIDA NOR HAVE FAMILY THAT RESIDES THERE. THE TIRE SHOP SELLS SEMI-TRUCK TIRES WHICH I DO NOT OWN OR OPERATE. AFTER CONTACTING XXXX TO LET THEM KNOW ABOUT THE ISSUE THEY GAVE ME A WEBSITE TO GO TO SO I CAN FILE A FRAUD CLAIM, XXXX  WHICH WAS A WEB PAGE THAT WOULD NOT LOAD. UPON DISCOVERING THESE FRAUDULENT CHARGES FROM OUR ACCOUNT I IMMEDIATLY CONTACTED CHASE TO PLACE A STOP PAYMENT ON THE WITHDRAWS. THIS WAS IN XXXX OF XXXX. I ALSO CLOSED OUR ACCOUNTS WITH CHASE IN THE SAME WEEK, CHASE ONLY CREDITED US BACK 4 OF THE PAYMENTS TOTALING {$1000.00}. AND NOT THE FULL {$2900.00}. 

I RECEIVED A LETTER EARLY XX/XX/XXXX STATING I HAVE A PAST DUE AMOUNT OF {$1000.00}. I CONTACTED CHASE COLLECTIONS DEPARTMENT WHO INFORMED ME OUR CLAIM WAS DENIED AND WE OWE THE {$1000.00} BACK. HE SAID THAT XXXX HAS MY WIFES SIGNATURE FOR THE LOAN.WE OBTAINED A COPY OF THE LOAN CONTRACT FROM CHASE AND THERE WAS NO SIGNATURE, ONLY A TYPED NAME. WE HAVE OVER 80 PAGES OF STATEMENTS, RECEIPTS AND DOCUMENTS TO PROVIDE IF NEEDED. A POLICE REPORT HAS BEEN FILED.
Product: Checking or savings account

I have a savings acct. with this bank, for about a year. I also have a savings acct with XXXXXXXX XXXX for about 6 months. From my acct with XXXX XXXX I requested they transfer $ XXXX from my acct at XXXX to my XXXX XXXX acct. The funds disappeared from my XXXX acct on XX/XX/XXXX. To this day the money has never shown up at my XXXX XXXX acct. Shortly after it was out of my XXXX acct. I was notified by XXXX XXXX  they need some more info from me and they wanted those sensitive documents to be sent to a plain email, not through the bank website. I could not get any good answer why this was needed, why it was even requested or who was the impetus for this. I went back and forth for days and now weeks with both banks to get this completed. I have never been able get this completed and in fact I can not even get information from XXXX XXXXXXXX  where this money is in fact at. I told XXXX XXXX if this transfer can not be done like I requested they need to delete the transfer and send the money back to my XXXX acct. where I can access it. They will not do that and have given me a bunch of XXXX about how this is being taken care of, yet it never has been. I think this is some kind of scam. Otherwise if XXXX XXXX thinks this is some type of fraud they should immediately contact the authorities and if they have these funds either hold them for instructions on what to do with them from the authorities or send them back to where they came from. I am being majorly harmed as I need access to my funds so I can invest them where the income will be tax deferred. I am not able to do that and this is costing me money daily for that reason. I also am being kept from having access to my funds when I find a home to buy for living which could happen any day but not if I do not have my money. I need this scam to end and return my money immediately.
Product: Credit reporting or other personal consumer reports

In the midst of checking my credit report, I found that information that is inaccurate and I believe it does not belong to me. This has hindered me in the process of obtaining a new home and a vehicle which Im in desperate need of.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized credit inquiry on my credit report. Upon reviewing my credit file, I have identified an inquiry that I did not authorize and believe to be inaccurate. The inquiries are listed in Identity theft which I uploaded with all necessary documentation. 
I am concerned that these inquiry was made without my knowledge or consent, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). As per the FCRA, only entities that have a permissible purpose, such as those with a legitimate need for my credit report, can request it. Since I did not authorize these inquiries and have no knowledge of any transaction or account associated with the creditor in question, I request that you take the following actions : Investigate this inquiries and confirm whether it was made with my express authorization. 
Remove the unauthorized inquiry from my credit report, as it was not authorized by me and does not reflect accurate or fair information. 
Please provide me with a copy of the results of your investigation, along with a corrected version of my credit report once the unauthorized inquiry has been removed. 

I understand that the credit reporting agency is required to complete an investigation within 30 days of receiving a dispute. If the inquiry is not verified as authorized, I expect its immediate removal from my report. 

In the event that you fail to resolve this matter, I may pursue further legal action under the FCRA, which may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or taking legal action in a court of law.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I paid this account off and I have called numerous time for proof of paid in full and proof that on another account we set up payment plan. Last time I call the collector would not connect me with manager because he was trying collect on another account from XXXX. I paid the account in 2 payments they uses my debit bank card on XXXX and XXXX, and pull payment for other account on XXXX, The credit report agency reach out to them and they stated account was not paid as of this week. I had send prove to credit bureaus showing payment. I was told that the paid in full and payment plan was sent out numerous times still nothing. I been told they had wrong address 3 times when they sent other mail with the correct address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issues of unknown inquiries made by 3rd party companies, or credit checks ran without my consent. 
Name : Date : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX. XXXX/XXXX/XXXX XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX 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 card

I was reviewing my American Express bill online today, and I noticed a charge fromLost Wallet Protector for {$39.00} - 1 year fee. I was suspicious and contacteda representative, who stated that I had been enrolled in the insurance programsince XXXX of XXXX. Then stated that I would have to contact the Lost Wallet Ins. 
Dept. to cancel my enrollment. I was enraged, because this was an issue that I haddealt with back in XXXX or XXXX with American Express, I had previous contactedthis Lost Wallet Ins. Dept., and asked them to cancel my enrollment and refundmy money since XXXX. To learn that this insurance was not canceled and thatI was still being charged annually {$39.00} for something I NEVER AUTHORIZED orsigned up for - I have health insurance and Life insurance I have absolutely noneed for this Insurance Protector by Lost Wallet. This is a scam and no XXXX isrefunding my money from XXXX XXXX to present. I want my money back andAmerican Express to cease enrolling me in a program I DO NOT WISH tobe a part of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX account and paid it In full and was told everything was at XXXX and I switched to XXXX. Then around sometime last year XXXX  XXXX  placed a collections on my report. They then removed it, and gave it to a different company XXXX XXXX. This is damaging my credit immensely and I need this information removed by Transunion as soon as possible.
Product: Checking or savings account

I opened an account with Current ( Finco Services Inc. ) on or around XX/XX/2022. I initially made 2 small deposits to establish the account and ensure everything was working correctly. Next I created and funded 3 " saving pods '' with dollar amounts close to the {$2000.00} maximum per pod. Within 24 hours of accepting the deposits Current closed my account.

Following an internal review of your account activity, we are exercising our right to permanently close your Current account, and if applicable, your linked Current teen account ( s ), pursuant to the Account Agreement, Section C, Article 12. We are also terminating your access to any Current services, and this decision can not be appealed. 

I did request further information and was sent the following reply : We dont generally provide specifics related to the difficult decision to close your Current account. However, please know an objective and detailed analysis of account and transaction history, along with intelligence collected from sophisticated external sources, supports our decision to part ways. Based on this analysis we strongly believe appropriate action was taken. 

Current has now informed me they will only release my money after receiving a hold harmless letter via email from XXXX XXXX. XXXX will provide the letter to the account holder but due to security concerns will not email it to Current. Current informed me they will only accept an email from XXXX ; therefore, they won't return my money. Current did send three auto emails to me this morning, XX/XX/2022, stating the deposits had been settled and the are funds available. After I received the emails XXXX at Current has confirmed they will not release any money until XXXX emails them a hold harmless letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. N/A XXXX   : XXXX N/A XXXX  : XXXX, XXXX XXXX:XXXX, XXXX XXXX Experian : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXX XXXX XXXX  : XXXX, XXXX XXXX  Experian : XXXX XXXX  : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXX XXXX Experian : XXXX XXXX : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019 I notified : Transunion, XXXX, and XXXX  about fraudulent unauthorized accounts on my account via a dispute. Transunion and XXXX  did fix some of the errors. However, XXXX  did not remove any of the errors on my report. I went on to submit a second round of request in XX/XX/2019. Again, Transunion acknowledged the errors and removed some of the unauthorized accounts. However, XXXX  did not take any actions and all of the unauthorized accounts remained on my report. In XX/XX/2019 I disputed the information under the 609 FCRA act. The bureaus did not accurately identify the information on my report. In not verifying the information on my report, the bureaus : XX/XX/XXXX, Transunion, and XX/XX/XXXXleft the inaccurate information on my reports. In regards to the dispute, one creditor went as far as to send me a bill as verification. The bureaus took the document as validation. As I understand, bills do not validate that the account is mine. They only verify that an account was in fact opened in my name. However, they were not opened by me.
Product: Credit reporting or other personal consumer reports

Having reviewed my most recent credit report, I noticed an error that does not match the documentation I have. This discrepancy could lead to misunderstandings or inaccuracies in assessing my creditworthiness, which I would like to avoid. Please take the time to carefully investigate this issue and correct it as needed. I value your assistance in ensuring the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding a charged-off account that continues to be reported on my credit report, despite qualifying as income under IRS guidelines XXXX The reporting of this account without the issuance of a 1099-C form is both misleading and a violation of my rights under federal law. 

Background The account in question was charged off by the creditor, which legally classifies the balance as canceled debt and, therefore, taxable income under the Internal Revenue Code ( IRC ) 6050P. According to this provision, creditors are required to issue a 1099-C form for canceled debts exceeding {$600.00}, allowing the debtor to report it as income to the IRS. However, I have not received a 1099-C for this account, yet the creditor continues to report the balance to the credit reporting agencies as an active charge-off. 

Legal Basis for Complaint Violation of IRC 6050P- The Internal Revenue Code mandates that creditors report canceled debts exceeding {$600.00} to the IRS and provide debtor with a 1099-C form. The failure to issue this form not only prevents me from properly reporting my taxable income but also raises concerns about the creditor 's adherence to federal law. 

Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ) : Creditors and furnishers are obligated to report accurate information to credit reporting agencies. Reporting a charged-off account as delinquent without issuing the legally required 1099-C creates an inconsistency between the IRS classification and the creditor 's reporting practices, constituting inaccurate reporting under the FCRA.

Consumer Financial Protection Act ( CFPA ) 1036 ( a ) ( 1 ) ( B ) : It is considered an unfair, deceptive, or abusive act or practice ( UDAAP ) to report a charged-off account as collectible or delinq
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 90 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account that has a balance of {$0.00}. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

capital one closed my platinum card without explaining to me why. i notified them of charges being placed on my account by someone other than myself and the next day i logged into my account and the card was closed. i called and got hung up no explanation nor did they attempt to provide me a solution or a different card to replace closing mine
Product: Mortgage

I purchased my home in XX/XX/2003. My mortgage was sold several times and each time with larger problems. Eventually I was told the house would be foreclosed If I didnt agree to modificatioN. 
I have all of the paperwork to support this. 
Ultimately I have a XXXX balance on a mortgage of XXXX. That I have been paying monthly in for 14 years This is a travesty and I need help addressing this
Product: Mortgage

I have had a mortgage for many years, and the escrow has always been adjusted once a year with either an increase in the escrow or an escrow refund ( depending on taxes ). That escrow rebalance has always been done in XXXX with the new payment in effect as of XX/XX/XXXX. My last re-adjustment was in XX/XX/2018, with an increase in payment for the tax escrow on XX/XX/2018. 

Even though these adjustment are supposed to be once a year, the bank just increased my escrow amount effective XX/XX/XXXX - the second increase in just a couple of months. So I guess this means banks can now increase escrow payments any time they want to?
Product: Money transfer, virtual currency, or money service

Disclosure of not returning money sent to wrong individuals was not presented for my consent.
Product: Debt collection

I did not consent to authorize nor benefit from the following account ( XXXX ). Block and Remove
Product: Checking or savings account

Check was deposited into wrong account Im not on and forged endorsement
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am disputing the " key factors '' on all of my credit reports. I requested a copy of my credit report after I got denied for credit. My actual credit report is fine, all the companies/agencies have reported my information correctly. My problem is with the actual credit bureaus themselves. They have what they call key factors and these key factors are wrong. For instance XXXX of the key factors state " the date that you opened your oldest account is too recent ''. I do not know what they consider recent, but I am XXXX XXXX XXXX and I bought my first house when I was XXXX. So to me XXXX years is not recent. Or another key factor states " your largest credit limit on open bankcard or revolving accounts is too low ''. I dont even know what that means. I called XXXX today and spoke with XXXX and he could not even explain what that means to me. I dont understand these Key factors. I have an XXXX credit score, but I have XXXX negative key factors that are coming from the credit reporting agencies themselves, not any creditor. I want these key factors removed from my credit reports. I was denied credit because of the key factors and I have worked too hard for too many years to get perfect credit for the actual credit bureaus to ruin the work I have done. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high-risk nature. The documents Ive provided are legit. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX XXXX XXXX XXXX XXXX