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

I have been trying for a week to get a mini statement showing proof that I have the money in my account to purchase my house. I opened this account online as I am moving to XXXX XXXX  and needed a local bank. 
I have been in XXXX  and am currently crossing the country by XXXX  so I can not go into a physical location. 
All I need is proof of funding that my $ XXXX is in the bank so my home loan can proceed. 

First PNC told me they could not get me a mini statement except by mail or physically being in a location. Then they said they would email, but 5 phone calls and 25 hours later later and the email still hasnt gone through. Then they said they would fax it maybe sometime today after they told me they could, then they couldnt, then they could fax the mini statement. Im beyond frustrated. 
Here I am after hours on hold STILL waiting for a mini statement. 

This is unconscionable. I should be able to get verifiable proof that PNC has my funds any time I need it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently applied to XXXX XXXX for auto loan refinancing, but was turned down for the following reasons : - history of delinquent credit obligations or public record items - unacceptable use of funds proceeds ( what the XXXX it means??? ) XXXX XXXX referred me to Equifax as a source of the information, which is COMPLETELY FALSE AND INADEQUATE. 
I had NOT a single late payment or any other delinquency within at least the last 10 years. Two other credit bureaus appraised my credit rating as XXXX and XXXX, while Equifax gives me just XXXX! 
I tried to contact them, but their website and phone system are not designed to respond to complaints. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute about my permanently discharged federal student loan reporting as open with a balance. And equifax and XXXX  closed my dispute and said the information was accurate and would remain on my report as it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I take VERY good care of my credit score and monitor it weekly. There are two HARD pulls on my credit, neither of which I authorized or had knowledge of. One, an online retailer - XXXX XXXX that I've had an account with for over a decade, with charges usually less than {$100.00} and which I have attempted repeatedly to get them to remove this hard pull, to no avail and the other from XXXX, a network cable company that I do not have, have never had and certainly NEVER allowed to do a hard pull on my credit. 

I wish to have both of these removed from my credit report as they are both without my permission or knowledge. I did not request credit from either of these businesses, and I have since cancelled any association with XXXX XXXX. A hard pull must be by permission of the individual ONLY and us usually reserved for large purchases only. 

I've done my homework and neither one of these places are working within the law in this instance. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

I have this account on my credit when I never applied for the card, theres no phone for me to call and see when this account was opened or anything. So therefore someone opened a account in my name and i never knew about it until it came up on my credit. I had no knowledge of this at all or when it was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I disputed XXXX XXXX XXXX on my credit report. On XX/XX/XXXX XXXX notified me that it was reporting correctly. It is intact not reporting correctly. According to the XXXX, portfolio recovery associates should be not be reporting my account as a factoring company, and also my account is being reported towards my overall credit card utilization every month even though it is not a credit card which it is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 XXXX XXXX I have no idea what this is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In despite of my previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$520.00}.
Product: Credit reporting or other personal consumer reports

There were unauthorize charges on my CITI credit Card The company didnt investigate and reported 30 days late .should be removed from my credit reporting file as incorrect
Product: Credit reporting or other personal consumer reports

Hello, Please completely remove me as authorized user from the XXXX XXXX XXXX XXXX XXXX cards attached - there are 2. 

Please completely remove these tradelines from Experian, XXXX, and XXXX- so it does not show at all. 

Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please note that are 2 credit cards. 

Please have this handled as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and equiofax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifa are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.My credit report includes the following erroneous information that needs to be investigated and correct : XXXX OF XXXX XXXX Date Opened : XX/XX/2017 Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Credit card or prepaid card

On XX/XX/2018 I had a charge for {$230.00} from XXXX XXXX which I did not make or have any idea about. I had never heard of the company before. I found out about the charge when I received my CITI statement XX/XX/2018. I immediately called CITI the next working day to make a claim/dispute the charge ( XX/XX/2018 ). I later received a letter which asked me what I had done to rectify the issues regarding the fraudulent charge ( s ) on XX/XX/2018. I forwarded CITI the correspondence I had with XXXX XXXX ( E-mail sent XX/XX/2018 ) in which they stated they couldn't assist me with the issue and to have my financial institution ( CITI ) contact them instead. I then  received a letter on XX/XX/2018 that stated that I would be responsible for the charges as I had not sent a " Complete response '' to them about the fraudulent charges. I am not sure how I had not sent a complete response to CITI as I sent them everything I had and was asked to provide. XXXX would not speak with me about the issue, so I assumed CITI would speak with them. I'm not sure what else I could have done about this as I had no knowledge about the charge and XXXX refused to speak with me about the charge. I figured CITI would investigate where the item was shipped or something of the sort to be sure my claim was legitimate, but instead they declined my claim and left me to pay for something I didn't not order, receive, or have any idea about.
Product: Debt collection

Na company left me a voicemail from phone number  XXXX  stating they were from the legal department at NA company and that they were going to have me arrested for check fraud. Then they called my parents and spoke to my father and shared information about why they were calling.
Product: Checking or savings account

XX/XX/2023 Someone stole {$3700.00} out of checking account and {$58.00} savings account and {$35.00} overdraft fee in my wellsfargo bank in XXXX North Carolina. The bank denied my claim of fraud and are saying I gave permission which a erroneous claim I never gave anyone my information or permission to take money out of my account and they are telling the claim is closed and the is nothing could do about it. I'm completely frustrated I live in XXXX XXXX fl all my bills are linked to these accounts and the bank I trusted my money with is allowing unauthorized transactions out of my account. I made the claim on XX/XX/2023 and I have been told there is nothing I could do about fraud on my account.
Product: Debt collection

My brother and ex sister-in-law received multiple calls about my debt even though I asked them not to contact me or anyone else about this debt. Here is a transcription of the message left today XX/XX/XXXX : Hello. XXXX XXXX XXXX, My name is XXXX XXXX. I'm contacting you today, in reference to a claim that is being filed, the claim is not being filed against you. XXXX, it is however, being filed under the name of and against XXXX XXXX XXXX birthday XX/XX/XXXX. She is XXXX XXXX  of age. Now I'm required to make you aware XXXX that your name and number has been listed as a point of contact for XXXX XXXX XXXX. It also appears that your residential address may be listed as a possible likely place of location along with her home address and her place of employment. Now, the claim is schedule will be processed today with the current information that's on file. However, XXXX of you or XXXX XXXX, you have any questions or concerns regarding her claim. I would suggest contacting that filing office right away that can be reached directly at XXXX. Again XXXX. Bear in mind. XXXX make XXXX aware she would need to contact them prior to the order of location being executed out for her because at that point, her claim would be discharged out of that office, XXXX then forfeit, not only the right to speak with them, but at that point, she would be officially forfeiting any and all other rights that she may be entitled to currently through their office as well. XXXX XXXX XXXX, it is being documented that you have been notified. However, we will proceed with the order location for XXXX XXXX XXXX XXXX XXXX  of age regarding claim number. XXXX  XXXX. Unless we do receive other instructions right away from that filing office. Uh That number again. XXXX. Thank you. 

I contacted them today spoke with XXXX XXXX at XXXX, who is " collecting '' on their behalf. He said that MyPayDayLoan said this was fraudulent since I did not pay it but I was laid off. I was strong armed into setting up a payment plan. 

XXXX 's phone number is ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Action : National Credit Systems , Inc is accusing me of owning them money. They say I rented an apartment in Florida, which I did not rent.
Product: Checking or savings account

On XX/XX/XXXX I check my checking account and noticed that {$7800.00} was missing. I immediately called Citizens Bank to report bank fraud. After waiting on hold for 15 minutes and no body pick up the phone, I went to my local branch at XXXX XXXX XXXX, MA XXXX. I filed a claim with the branch manager XXXX XXXX she stated that a unauthorized wire transfer was about to happen, but she was able to stop it. We opened a new account and kept the old account open with XXXX balance. I was told they froze the old account and stopped the wire transfer before the night drop. 

On Tuesday the XXXX the old account was - {$7800.00}, the bank the day before made sure my old account could only accept deposits. I went to my bank two or three times a week to ask for updates and to have give me my money back. I was sent a letter on XX/XX/XXXX from fraud department stating there was no fraud. I called the fraud department for all paperwork for this claim XXXX. as of XX/XX/XXXX, I have not paperwork and no money returned
Product: Credit reporting or other personal consumer reports

I have no liability to Qualia Collection Services for they are a third party debt collector and I have contract no with them. Qualia Collection Services brought the debt from XXXX  XXXX XXXX  in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like Qualia Collection Services to provide me the direct contract between them and XXXX XXXX XXXX showing that they are authorized to collect for XXXX XXXX XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to opt out of Qualia Collection Services, XXXX, XXXX, and XXXX reporting this to my credit report.
Product: Prepaid card

Im Appealing this Check Because the check was Cashed under a Business Name called XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Sent Me letter stating the Check Was deposited Under a Business Name. Its Not My Name I dont have a Idea who this person Or Business is. I Never gave anyone permission to endorse the check under My Name.
Product: Credit reporting or other personal consumer reports

Fraud happened to me and none of the activity and inquiries that are showing up on my credit profile have not been authorized by me. Im experiencing some level of fraud. Also, I have old settled debt being sold to new companies and re-reported on my credit. I need these accounts whether they are credit accounts or, any other type as well as inquiries removed. Divisibility of these erroneous increase and other things is against the law and breaking my legal rights
Product: Credit reporting, credit repair services, or other personal consumer reports

ln accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I had applied for a Citi bank secured credit in doing so to try to and rebuild my credit! Citi bank had denied me. Then approximately three days later I get an email saying my application was under review ... ... so a week passes fast foward to today XXXX XXXX, 2017 I check my XXXX XXXX XXXX checking account and I see Citi bank took out {$300.00} for a deposit for the secured card! With no notification no call no email saying that they were going to be doing so the money was withdrawn!! I called customer service and they told me that my applicatioin is still pending?? But yet You first told me it was denied I completely understand if it was denied no problem ... they continued to take the deposit of amount of {$300.00} from me though even though now supposedly the application is being overviewed! I advise the lady I spoke to cancel my application because I had moved on from this secured card last week! I just want a full refund for my {$300.00} which has now put me in the negatives in my checking account because I had no idea it was coming out! Customer service told me it could take anywhere from 2-3weeka for me to get my refund because it has to go through a cancellation request? That 's unacceptable and unfair!
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report and Im unsure how they got there. I checked my report as I normally do, but this time I noticed unexpected errors. I even refreshed my browser thinking it might be a glitch, but the inaccurate accounts remained. Because of this, Im requesting a thorough review of the documents I submitted so I wont have to worry about this issue again.
Product: Bank account or service

Bank of America in XXXX XXXX, IL, will discontinue its drive-thru service on XXXX after reinstating it from a previous cancellation, following a deluge of complaints. I am a XXXX with a XXXX, which makes it difficult to stand in long lines. Online banking is not an option for me. They did not have a designated drive-thru teller, so no additional cost was incurred. This smacks of discrimination.