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

I have had an account at PNC for about one year. It was opened right before COVID struck and as a result of shut-downs, and civil unrest the XXXX  business remained inactive. Now that we have entered into a more optimistic period the business has started moving forward. I funded my account began to buy supplies and stock for my company. But in almost every transaction my debit card is declined. It is so bad that I have had to use my personal account for the majority of transactions. 
As I assume with most accounts when they are open PNC gave me a starter check to use. I have had no occasion to use a check in the digital age. On XX/XX/2021 I signed my lease for my first storefront using my life savings. The check was for {$8400.00} dollar and my balance was {$20000.00}. Though I used the check the bank gave me to use they refused to honor the check. They refuse to give me a reason why other than saying security reasons. This has cost me my lease and most of my life saving that I have already invested in fixtures, permits, insurance, and signage for the storefront. 
I just want a business account that can be used by a XXXX business owner without being under some false flag of suspicious activity. It is just plain XXXX to deny me access to my own deposit using bank-issued instruments.
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX lawsuit. 

I feel i was negatively impacted by Equifax hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But i don't see any details about your investigation. 

A fine will be applied soon if proper investigation isn't applied too. 

Please provide details to investigation or delete accounts.
Product: Debt collection

CARTER-YOUNG INC, XXXX XXXX XXXX XXXX, XXXX # XXXX The basis for my dispute was required to notify me prior to, or no later than 30 days after XX/XX/2016 failed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of South Carolina allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CARTER-YOUNG INC, XXXX XXXX XXXX XXXX, PresidentAccount # XXXX CARTER-YOUNG INC, XXXX XXXX XXXX XXXX, PresidentAccount # XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve is held liable as well for defamation and in the state of South Carolina a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Mortgage

Todays Date : XXXX On XX/XX/2020 I closed on an FHA mortgage for property XXXX XXXX XXXX XXXX, XXXX FL, XXXX with : Home Town Lenders : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Telephone : ( XXXX ) XXXX My first payment was due on XX/XX/2020 for the amount of {$1600.00} Status of first payment : Paid on XX/XX/2020 and posted by XXXX XXXX XXXX on XX/XX/2020 ( I have copies of the cashed check # XXXX from my banking institution ) Mortgage Transfer Update : I was notified via letter in the mail dated XX/XX/2020 but received in my mailbox on XX/XX/2020 that my mortgage was then sold to Equity Prime Mortgage. 
Equity Prime Mortgage : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, GA XXXX I have since had multiple contacts with both mortgage companies as neither company is able to reconcile my first mortgage payment. 
Dates of contact : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX I have written documentation with proof of cashed checks that I am up-to-date on my mortgage payments. Yet after emails and phone calls I am still not getting reconciliation and I was told I am only covered until XXXX under the mortgage protection act. 

Based on lack of response and reconciliation, I feel as if this mortgage transfer may be fraud related and I am worried about my home and credit status. I am asking you to get involved as time is sensitive and I have done absolutely everything on my part to reconcile this. According to Equity Prime I am a month and half delinquent which is not the case at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thanks for taking the time to hear my complaint. I take care of my family across the globe and I love to buy things and send it directly to their house. This is the only way I could think my address would be use with some of the people I associate with. I see on my reports old addresses, phone numbers and names that are not associated with me and would like for everything to be accurate. This will help my rebuilding process of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX Loan Originator NMLS ID # XXXX With AmeriSave Mortgage Corporation NMLS ID # XXXX pulled mine and my husbands credit without consent. We only found out once we got your credit score disclosure in the mail. We applied for a loan somewhere else and he started calling multiple times so I talked to him. I never gave him our so local security numbers. I do not know how he had them.
Product: Debt collection

XXXX  bills ahead of actual usage. they billed me on  XXXX   XXXX ,  2017  {$17.00} for service to be provided for the period  XXXX   XXXX  to  XXXX   XXXX ,  2017 . I canceled service on  XXXX   XXXX ,2017, so I did not owe them {$17.00}. On  XXXX   XXXX ,2017 I received a request from I . C Systems coll ection agency requesting I pay the {$17.00} that I did n't actual owe. Is n't it illegal and fraud to try to collect money not owed. it should be a crime.  XXXX  could ruin my credit.   Should they be allowed to use a collection agency before checking whether the debt is owed? The Federal Government needs to make  XXXX  change their practices and punish them for fraud.
Product: Debt collection

I have not been notified at all on this debt. The debt is from Credence Resource Management. When i spoke to someone there he requested I pay XXXX of the bill I explained to him I wasn't even aware of the debt until I started looking into fixing my credit. All he kept saying was to pay {$250.00}. The actual debt is {$490.00} from XXXX XXXX all the way back in XXXX. I have no recollection of ever receiving a bill from them. The credit agency told me that this account has been passed around to different agencies trying to collect their debt but when I asked the representative for a copy of the original contract he ignored my request. I have no idea what to do next. I asked him about filing a XXXX or a deletion letter but he just kept insisting I pay the balance.
Product: Credit card or prepaid card

On XX/XX/XXXX I paid discover {$300.00} and they accepted it from my XXXX bank account which reflected by them reducing the month of XXXX down to {$140.00}. Now when I am looking ; the payment increased as well as the amount I still owe on the card is the same and never decreased by {$300.00}. I called them numerous times trying to work out the lower payment which they refused to do without giving me any answers. They took my {$300.00} and never reflected that on my credit report. All I want it to be reduced down to {$140.00} for XX/XX/2022 and my credit report to reflect this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCT # XXXX*** OPENED XX/XX/2012 BALANCE REPORTED {$11000.00} AS AN UNPAID CHARGE OFF IS INCORRECT. THIS ACCOUNT WAS TRANSFERRED TO ANOTHER CREDITOR BY THEM AND PAID. I HAVE CONTACTED THEM SEVERAL TIMES AS WELL AS THE CREDIT BUREAUS EXPLAINING AND PROVING MY SITUATION AND THEIR HAVE BEEN NO CHANGES. IF IS AFFECTING MY QUALITY OF LIFE. MY CREDIT SCORE IS SUFFERING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont believe my credit score is a fair representation of my abiity to pay my bills. It is under 500 and this makes it very difficult to get a low Intererst loan, I can not seem to win, no matter what I do, recently I was forced to pay over200 % interest. I : will pay the balance off way before the end date, but it is ridiculous that I am paying that rate. I need to refinance a car I am paying 19.99 % interest on, but with my credit score which is the first thing a potential lender sees, they write me off without even looking at my report. I ; have very little debt, and credit for that matter. I realize it doesnt help that my only 2 credit cards are over the limits and currently late, I have been ill, and my daughter has been paying my bills for the past few months. I have always paid what I owed, even if the card or debt was charged off, how can this help me. My student loans are my only significant debt and they are in forebearance and will most likely be forgiven because of my XXXX. I havent been able to use my very expensive degree and where do all of these loans that I take and payback in a timely manner at a horrendous interest rate show up, I should get points for those, it just doesnt seem fair at all
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( Bank ) with their collection agency ( " XXXX XXXX ) are entering false records on our credit reports with no accountability. 

XXXX XXXX XXXX  gives credit to people without checking their identities ( no XXXX  ) and in violation of both FCRA and Banking Regulations by granting credit ( using the personally identifiable information other than their customers ). XXXX XXXX XXXX fails to do their XXXX  ( verify the identities of credit applicants ), no XXXX  and EDD on their customers before and after they issue credit cards. 

Beware of doing business with XXXX XXXX XXXX  and XXXX XXXX  who violate FCRA rights and Banking Regulations. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Phone : XXXX Fax : XXXX Websites : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone : XXXX Fax : XXXX Email : XXXX Website : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im writing to your company to report Equifax, XXXX and XXXX on the bases that they are furnishing incorrect information on my report and to complete the dispute process. Im demanding that the following information be deleted from my credit report as referenced in The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( b ) ( i ) ( c- ) ( f ) ( FCRA ). These items were supposed to be deleted no LESS than 4 days after my intial dispute due to their origin in nature ( Identity Theft as stated in US Code 1681 c-2 ). As stated in US Code 16819 ( i ), as investigation must be done to prove the validity of the accuracy of information being reported which has not been done/ The items I need deleted have been listed in the form of a letter sent to all three credit reporting services as of XX/XX/XXXX and again on XX/XX/XXXX. I am a victim of identity theft because I did not authorize these charges or accounts and they have been furnished on my report without my consent or knowledge. I did not make these unauthorized charges or open these fraudulent accounts. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items immediately as it is incorrect and thus hindering me from utilizing my own credit to afford essential expenses for myself and my family. This issue is frustrating and I just ask that I can be assisted in any way to help my situation.
Product: Debt collection

In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report. 
I have an attached copy of my ID Thief Report in the attachments. 

I demand that the all and any accounts from the following accounts be removed immediately off my credit report. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Collection Account info Account name XXXX Account number XXXX Account type Collection Account info Account name XXXX Account number XXXX Account type Collection Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( XXXX ) they should be removed.
Product: Debt or credit management

From XXXX until XX/XX/XXXX Experian hasn't accurately removed information from my credit. They also haven't made sure my credit score is accurate as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported this XXXXXXXX XXXX  credit card account to Equifax because it has been reporting inaccuracies for years and the issue was never taken care of. This account is reporting a positive and current payment history, but it states the date of last activity and last payment was made in XX/XX/XXXX. It is also reporting as a collection/charge off, but has been reporting a positive payment history until XX/XX/XXXX. It is also reporting a high balance, but does not have a credit limit which can not be possible. 

How can this continue when it states under 15 U.S. Code 1681i - that If after a reinvestigation of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency must promptly delete that item of information from the file of the consumer, or modify that item of information to reflect the results of the reinvestigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  acct # 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 n accordance with the Fair Credit Reporting act XXXX Acct. # 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 n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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 n accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct 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 XXXX accordance with the Fair Credit Reporting act 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 n accordance with the Fair Credit Reporting act 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 XXXX accordance with the Fair Credit Reporting act DEPT OF EDXXXX XXXX XXXX, ACCT # XXXX, ACCT # XXXX ACCT # XXXX, ACCT XXXX ACCT # XXXX, ACCT XXXX ACCT XXXX ACCT XXXX ACCT 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
Product: Credit card

I am having a problem with the XXXX XXXX XXXX credit card by Goldman Sachs. I have always paid my bill on time and have a very high credit score. I have accounts with many different banks and this is the worst company I have ever worked with. They do not stand behind their customers at all. My payment was due on XX/XX/XXXX. I went online that day, logged into my account to pay my bill. It would only let me chose XX/XX/XXXX to make a payment. I tried calling and sat on hold over 30 minutes and never got through and kept getting disconnected. So I processed the payment online. I received an email immediately, on XX/XX/XXXX that my payment was received. Any other company, XXXX for example if the payment is made after a certain time automatically reverses any late charge. I figured the same would happen. The payment was made on time on the due date of XX/XX/XXXX. That isn't the case with this company and I was charged on XX/XX/XXXX two separate interest charges in the amount of {$32.00} and {$37.00} for a total of {$70.00}! I have called multiple times, been transferred, submitted claims, waited for calls back that I have never gotten. I have wasted hours and hours of time on the phone over this and they will not reverse the charges. I am not even told why there are two separate charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two credit cards through XXXX. Around XXXX/XX/XX/2019 one of my on-time XXXX credit card payments was applied to the wrong account causing the intended account to show 30 days late. After contacting XXXX support several times and their investigating, I was finally connected to a XXXX XXXX XXXX XXXX ) in XXXX XXXX " Executive Response Unit. '' He confirmed that the late payment reported was in error and should not have occurred. He wrote a letter ( attached ) saying that the three credit bureaus would be contacted and told to remove the late payment history ( the only late payment in my 20+ year credit history ). XXXX and Experian have not removed the late payment - XXXX has. Despite submitting a dispute to Experian and including the necessary info they could use to verify that the late payment should be removed, they refuse to do so. I believe this is in direct violation of FCRA. They have information that knowingly shows what they are reporting is false. The dispute from XXXX is still pending. I am including all three companies : XXXX, Experian and XXXX on this complaint.
Product: Debt collection

XXXX XXXX has called both cell phone and office phone twice over a debt I received relief from in bankruptcy. The have told me they were a fraud department and arrest was going to happen in XXXX days. The first time I spoke with them I explained that they were in violation of bankruptcy laws. They said they would remove my record. Less than a month later they have made harassing calls again. The number they are calling from is XXXX. It was only after I refuse to give them any personal information did they finally tell me what debt they were after.
Product: Mortgage

I contacted Rocket Mortgage the next business day after my CARES forbearance ended, ( XXXX ). The woman I spoke with gathered some financial information, and informed me that I owed all of the amount due, in a lump sum. 

She instructed me to send a hardship letter, and pay stubs and underwriters would get back to me. 

After we hung up, she called back, and left a message, stating that I DIDNT need to send that information, and they had everything they needed. 

Its been 10 days, and I have not heard back. 

Additionally, I emailed them on the XXXX of XXXX, inquiring as to status, and was told that I needed to submit all of the documentation that the woman told me I didnt need to submit. 

Finally, I received a letter on the XXXX of XXXX demanding XXXX by XX/XX/XXXX to avoid foreclosure. 

I have no idea what to do at this point. I want to resume payments, and establish a plan for making up missed payments during the forbearance.
Product: Credit reporting or other personal consumer reports

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States XXXX  has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to remove credit check after they said they would