23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I submitted a request for investigation to Equifax over 1 year ago and have never received a response. The account is XXXX XXXX and it listed as a charge off. In the remarks block it says " Consumer disputes-reinvestigation in progress. It has said this for over 1 year. They never deleted the item or provided me with the results of the investigation.
Product: Credit reporting or other personal consumer reports

I have found fraudulent inquiry on my credit report XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX formerly : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX email : XXXX I am using 2 PNC accounts in my name to receive benefits from 2 XXXX annuity contracts that are annualized i.e. paying out for lifetime. 

Account Numbers : XXXX XXXX Routing Number : XXXX Account Number : XXXX XXXX Routing Number : XXXX I was a permanent resident in the XXXX until XX/XX/2008. Since then I live in XXXX. 

PNC has not managed or is not willing to update to XXXX address. They have been sending statements and replacement card to XXXX for one but not the other account. For this account I have not been able to receive a replacement card - presumably because they insist sending it to the old XXXX address. They also claim the card they send somewhere has been activated ( if so - not by me ). 

PNC advised to report the card that never arrived lost / stolen. 

Now they obviously issued a new card and sent it to the old address again. 

There have been endless internet-interactions about this point since XXXX this year but it just does not seem to be possible to a ) change address coherently to the XXXX one I am using for 10 years now b ) send card to new address I fail to see the difficulty. This accounts have been active for > 10 years. 
I never choose PNC actively. They took over the 2 XXXX community banks I banked with before. 

I enclose activity reports for this year - so you can verify we are talking about real - active accounts. 

Your are welcome to forward anything I submit here to PNC - preferably a person with a solution oriented mindset some way up in the hierarchy of that outfit.
Product: Credit reporting, credit repair services, or other personal consumer reports

ii HAVE PAST THE 6 YEAR MARK FOR ATTEMPTING TO COLLECT A DEBT AND I EXPLAINED THIS TO ALL THREE BUREAUS. THESE ITEMS NEED TO BE REMOVE IMMEADIATELY :
DEPARTMENT OF VETERAN AFFAIRS XX/XX/XXXX
XXXX XXXX XXXX XX/XX/XXXX
XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making into my credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX/XXXX  XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX  - Card Service Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Checking or savings account

I am writing to file a complaint against the navy Federal credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagging post of charges and credits. This issue aligns with the recent CFPB findings and gets the Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practice are unfair. And request an investigation. Into my account. transactions.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles handling of disputes. partically in the light of the recent CFPB lawsuit. Zelle and my financial institution failed to investigate my claims adequately. They informed that recovering lost funds was impossible. The CFPBs findings has found that indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
" XXXX XXXX '' OPENED XX/XX/XXXX FOR {$210.00} " XXXX XXXX XXXX '' OPENED XX/XX/XXXX FOR {$270.00} " XXXX XXXX XXXX '' OPENED XX/XX/XXXX FOR {$410.00} XXXX XXXX XXXX XXXX '' OPENED XX/XX/XXXX FOR {$470.00}
Product: Vehicle loan or lease

Violation of Payment request and additional payments directing Bridgecrest to apply to principal balance. Company applied payments to strictly interest and illegal fees. Violations include Truth In Lending Act ( TILA ), The Fair Credit Billing Act ( FCBA ) and The Consumer Finacial Protection Act ( CFPB ). Including but not limited to ( TILA ) section 129B ( 3 ) ( B ) ( i ), ( FCBA ) section 161, ( CFPB ) section 1031, 12 USC 5536 ( a ) ( 1 ) ( A ) ( B ), 15 USC 9056 ( b ), 12 USC 5531
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Equifax dated XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX
Product: Vehicle loan or lease

I was told to contact variulous dealership due to I I was trying to use my factory warranty out of state..i moved out of state.and I couldn't get help from nobody. Going back to where I started my claim. No answer. Run around
Product: Student loan

The lender is Sallie Mae. Off top this bank makes you think your are getting a government loan when actually it is a bank and the loan is private. I even questioned is this The Sallie Mae and they said yes. It was not until I could not get a deferment that I found out that I did not have a government loan. My loan about was {$4700.00}, my principle balance is {$6100.00}, and I will actually paying back {$9600.00} after 10 years of the expected payoff date. They are not offering any COVID opportunities deferment, they did not take into consideration that I am not working due to COVID and they have reported me to the Credit Bureau. I thought it was illegal to pay more than the borrowed amount on any loan, this is certainly part of the usury law. This company should not be allowed to use the name Sallie Mae, because people automatically think it is the government loan Sallie Mae. The did not try to help me during COVID, they do not have any reasonable options for this loan. This company has ruined my credit without giving me options. When I ask for a payoff, it was the principle balance. XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX, AND DEPT OF ED/XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXX, AND DEPT OF ED/XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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 federal protected consumers rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Opened : XX/XX/year> Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In XXXX of 2023, XXXX started charging me for a loan for which I did not apply. A woman called XXXX XXXX XXXX stole my XXXX ID number by hacking my WhatsApp account and stealing confidential and personal information like Driver 's licence but most important my Social Security ID card and number. Unfortunately, XXXX grants these loans through an online process. Only I am in possession of the original and authentic forms of identification and they are well guarded in my house. This loan should never have been approved. All they have is a Promissory Note which was signed using this woman 's email address - XXXX not my email address - XXXX. More details on the fraudulent loan : XXXX ) The amount of credit provided to you or on your behalf. 
The amount you will have paid after you have made all payments as scheduled. 
15.209 % {$11000.00} {$25000.00} XXXX ) Total of Payments The cost of your credit as a yearly rate. 
The dollar amount the credit will cost you. 
The amount of credit provided to you or on your behalf. 
The amount you will have paid after you have made all payments as scheduled. 
15.209 % {$11000.00} {$25000.00} {$36000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have certified mailed documents to the defendants. I have not received any response regarding how the defendants have verified the alleged accounts attached and therefore request that the defendants consider this you a final notice to their offices. defendants need to rectify the subterfuge and deleted all accounts, addresses, and Inaccurate accounts listed below.
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX balanced {$260000.00} XXXX XXXX balanced {$10000.00} XXXX XXXX balanced {$3300.00}
Product: Debt collection

I ended my account with XXXX in XXXX XXXX XXXX and returned my equipment in-store, closing the account and paying the final bill in full. In XXXX XXXX XXXX, I contacted XXXX again because I received another bill, and confirmed via phone that the equipment was returned and the account was again confirmed to be closed. At a later time, a debt collector Convergent Outsourcing Inc said they were collecting a payment of {$110.00} for the account that was past due. Since I had moved to a new location, I never received any mail notifications or e-mails regarding this instance. I contacted XXXX and they confirmed in my account notes that equipment had been returned and that there was an unjust balance on the account, but they were unable to close the instance with Convergent Outsourcing since it had been reported already on my credit. I contacted Convergent Outsourcing, notifying them of the instance with XXXX and informing them that I would submit an XXXX dispute. I submit the XXXX dispute but learned today that the dispute was rejected so I am filing a complaint through the CFPB to get it removed from my collections and credit history. I have attached the XXXX and XX/XX/2020 bills, showing a {$0.00} balance at the start of XXXX and then Service charges for both XXXX and XXXX. I contacted XXXX in XXXX where they said they would fully credit and close the account, but the invoice shows they only provided back partial credits on the instance which resulted in a missbilled balance of around {$110.00}.
Product: Vehicle loan or lease

In XXXX of 2022 I refinanced with XXXX XXXX  from American Credit Acceptance. XXXX XXXX then contacted me to get the status of the title which they have still not received. My rate has now went from secured to unsecured. ACA said they did not receive the money from the check which they have stamped. I have been back and forth with them since XXXX of 2022 to get the account fixed. I have talked to many agents explaining the situation and provided the paperwork needed. On XX/XX/XXXX my car was repossessed by ACA. I was in contact with them to understand the repossession. They then explained that they have the money and it was put to a different account. They said the repossession will be put on hold while they start an investigation. They did not put enough effort into fixing this issue even with the many different people I talked to. Please help me my credit has been affected and now there is a repossession on my credit.
Product: Credit reporting or other personal consumer reports

This account was CHARGE OFF on the following date [ XXXX, 2022 ]. Since then, the account has repeatedly been updated as Charge-Off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account immediately : Equifax : [ XXXX, XXXX ] [ Account number : XXXX ] I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by [ XXXX, XXXX ] [ Account number : XXXX ] substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).

According to FCRA 611 ( 15 U.S.C. 1681I ) ( PROCEDURE IN CASE OF DISPUTED ACCURACY ) they are suppose to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

In my case as a consumer, my credit report has to be 100 % accurate. Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act 611 ( a ) ( 7 ), i'm going to file a Small Claims lawsuit against you if you do not Delete and Remove this account from my Credit Report for Violations of the Fair Credit Reporting Act - including but not limited to Section 611.
Product: Mortgage

Applied for refinance with same lender/servicer at end of XXXX, refi at lower rate, no appraisal necessary. Both my wife and I have excellent credit, in the 800 's, have never been late on a mortgage payment. We first purchased our home, primary residence last XXXX, XX/XX/2019. We have been run through the ringer with poor communication and miscommunication. We've jumped through all requirements expeditiously but still, almost 5 months later trying to refi. Agents, we've been passed around to several different agents, choose not to tell us if we still have the lowest 30 year fixed rate which was locked many months ago, even though mortgage rates have gone lower. We have received " clear to close '' several times but for some unknown reason, the loan gets kicked back to underwriting. This last time, we were told that the hold up was getting subordination department clearance, and we were told that it would be faster if we refi without the home equity line of credit, which has a balance of approximately ~ {$1900.00}. We want to close this refi asap so we told NewRez that we would just pay off the balance and refi without the 2nd home equity line of credit ( again we were told it would be in our best interest to get the loan done faster ). This refi has been the worst financing experience we've ever experienced and we have a lot of experience.
Product: Credit card or prepaid card

DEAR CFPB- This is a Follow-up on our XX/XX/2018 Complaint - # XXXX about Capital One Card services. 

( The CFPB site does not have a way to submit follow -up documents and this is a very large claim, and you have said that Capital One Financial Corp is 'still working on our issue ' ). 

We received a Letter from You Dated XX/XX/2018 and would like to provide some further documents and evidence, on our Case against - CAPITAL one for the forced- Rebill of {$2300.00} that we do not owe! 

Please see attached.
Product: Checking or savings account

I received a letter in XXXX from Wells Fargo, stating that identity theft insurance was opened and was not authorized by me. Called and spoke to a rep. They offered me XXXX, I accepted. Stressed to them my name was changed due to getting married. Was assured the check would come in the correct name. DID NOT! Called back to the number on the letter, was told to take the check with documents showing the name change. Marriage certificate. 

Went to the branch on XXXX XXXX XXXX in XXXX, Was greeted by a customer rep. Her first remark was, Can I see these so called legal documents! All the tellers behind the glass lined up to listen to me. One made a remark saying I did not look like a XXXX! I call the Profiling!!! 

I felt like I had just crossed the boarder! After about 20 mins. Of this rep. telling me that they would not cash check! I left and called the number again, was told to go back in the office and have that so called rep to scan and email my marriage certificate to him. The next disgusting remark out of that rep. Mouth was Of course you need to realize they will need to verify if this is actual legal document. 
This is not about the check, its about profiling and MY CIVIL RIGHTS! Because I have a XXXX last name!!!!
Product: Credit card

MY CARD WAS STOLEN IN XX/XX/year>. I DISPUTED THE CHARGES AND THE INVESTIGATION CAME BACK AND RETURNED THE CHARGES BECAUSE THE CHARGES WAS MADE AT PLACE I FREQUENTLY VISIT. 

I STAY IN A VERY RURAL AND SMALL TOWN WITH ONLY XXXX STORE AND RESTURANT PUT TOGETHER. HOW CAN THEY MAKE ME PAY FOR CHARGES I DID NOT MAKE BECAUSE MY CARD WAS STOLEN. 

THEN DISCOVER DECIDED TO CLOSED MY ACCOUNT DUE STOLEN ACTIVITY
Product: Debt collection

O n  XX/XX/XXXX  I recei ved a summons for a civil suit from Midland Funding in the amount of {$5700.00}. I dispute the legitimacy of this claim and I feel that I am the victim of retribution, as I just won a case against Midland on   XXXX  . I have been tied up in court proceedings with Midland Credit Management since I received their FIRST letter that i was being sued civilly on   XXXX   XXXX   XXXX   XXXX  . For over 3 months Midland had encroached upon my time, resources and sense of well-being, as well as been harassing me through endless phone calls for someone that is not even me!
Product: Debt collection

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2019 Balance : {$1000.00}. Please remove this information from my file.