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

Without my knowledge and consent, PNC fraudulently opened a checking account XXXX in my name with the initial amount of {$0.00}, and started sending me the bank statements and the letters demanding from me to fund the account with a certain amount of money, otherwise they would charge me a fee. For the last two weeks, I've been trying to close that account. On all those occasions, PNC transferred me to the non-working tel. extension. Today, after my legal warning that I would sue them, after 2.5 hours of waiting and constant transfers they let me speak with the manager who informed me that ... once an account is open somehow at PNC, it can not be closed without the authorization of the top bank executives, and, perhaps, I could submit a request for the closure by personally visiting a PNC branch. The closest to me PNC branch is 40 miles away from me. PNC is engaged in the financial fraud by opening the unauthorized accounts and prevention of their closure by all means. Thus, they attempt to fraudulently inflate the number of its customers for the stock gain. This swindle must stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my inquires, I did not give these companies permission to use my credit, I am not responsible for XXXX  hard inquires on my credit report, according to the credit law these XXXX  inquires have to be taken off my credit report, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I attempted to make an online purchase with the credit card. It was declined. I called the number on the back of the card. I reviewed the transaction and told them that I made the purchase. They asked me several questions which I answered. The representative told me that the card should work and that I could finish my purchase.. I pay my balance every month and the purchase was within my credit limit. There was no good reason to deny the charge. I wasted a half an hour of time. 
I went back on line and attempted to make the same purchase which had been declined. Again the card was declined. I called the number on the back of the card again. The representative spoke with a heavy accent and I could not understand half of what she said. She refused to authorize the purchase. Consequently, the first person I spoke with was a liar. 
The second person demanded my drivers license. I have no idea who this person was and I am not giving her my drivers license. She told me that she would not authorize my card without giving her my drivers license. This is absolutely ridiculous. I asked to speak with the manager. Person number XXXX also had a heavy accent and was difficult to understand. He demanded my drivers license. I am not giving a stranger my drivers license. How do I know that this is not a scam? How can I give him my license- I have a landline? I am not emailing my drivers license or SSN number to a stranger. Even though the charge was within my credit limit, they refused the charge and deactiviated my card. I have some recurring charges every month on the card. All these charges will now be defaulted because of these jerks. I will incur additional fees. Person number XXXX refused to let me speak with a higher manager. There was no legitimate reason for denying my purchase or deactivating my card. I ended up wasting more time. I think this is a scam to make me forfeit all of my points. I have a lot of unused points on the card.
Product: Debt collection

This is a follow up of closed complaint # XXXX Sunrise Credit Services is in clear violation of the FDCPA Laws. From there previous response to my original complaint, there is a clear admission of guilt. 

The Affidavit of Truth was ignored, so was the Notice of Default and Opportunity to Cure Notice. 

The Law States the Following : An affidavit unrebutted stands as Truth.

Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''
Product: Debt collection

Repeat calls to my place of employment. 

On average 5 calls a day From XX/XX/XXXX - XX/XX/XXXX Asked them to not contact my employer, but they ignore my requests.
Product: Credit card

On XXXX XXXX, 2015 I applied for the XXXX XXXX XXXX card issues by BBVA Compass online. Within 2 hours of applying I received a phone call from BBVA compass to verify I did indeed apply for the credit card and answered verification questions about my identity. On XXXX XXXX, 2015 I received an email that I was approved for the credit card. I received the credit card on XXXX XXXX, 2015 and activated it without issue and used it a few times over that weekend of XXXX XXXX and XXXX. I tried to use it on XXXX XXXX and it was declined. The next day I phoned customer service and was told the card was suspended and was given XXXX different answers. I phoned later that week and wasted XXXX hours being on hold to only find out the information I was given by customer service was useless. Finally the XXXX week of XXXX 2015 I phoned in to discover the card was closed and received a letter on XXXX XXXX, 2015 that the card was closed per a request by me about fraudulent activity along with a declaration of fraudulent activity. Not once have I phoned BBVA compass about any fraudulent activity and never asked that the card be closed or my charges reversed. I in fact have paid for the all charges that were made to the card. I phoned customer service late last night and was given the number to their fraud department I phoned fraud last night was on hold for over 60 minutes before I was either hung up on or disconnected. I phoned again this morning and did speak to someone in fraud and was told she would phone me back and up till now I have not received any call back with a reason about the fraud request. I have phoned customer service and never once was given a straight answer as to why the card was suspended or even closed. I was simply told I would receive a letter which I finally have. However the letter does not even ask if I opened the card or indeed made the charges.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft please remove this fraud inquiry from my credit report.I am a victim of identity theft please remove this fraud inquiry from my credit report.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX/XXXX/2015, I received a letter from XXXX XXXX Bank XXXX Paypal. They state that the letter is in response to a request to open a PayPal Credit account, and that their records show that I requested to open an account or to make a purchase using the PayPal credit payment method on XXXX/XXXX/2015. 
They say they can not approve me for the following reason : My credit bureau indicates a freeze on inquiries. 
First of all, I opened a PayPal Credit account well over a year ago. It has a $ XXXX line of credit, and their system states that I have about {$1700.00} available credit. So they are obviously not turning down the line of credit. Second of all, I never attempted to make a purchase via PayPal Credit on XXXX/XXXX/2015 or even used a credit card through their system on that date. Moreover, I have had a freeze on my credit bureau for close to XXXX months now, have made prior purchases on the PayPal credit system without them pulling a new credit bureau, so even if I had attempted to make a purchase through PayPal, I have no idea what they are talking about or why they sent me this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX 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

In accordance with the Fair Credit Reporting Act, XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX, Account # XXXX, has violated my rights. 
-Bankruptcy XXXX  XXXX, XXXX XXXX XXXX, has violated my rights. 
-Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX  , have violated my rights.

15 U.S.C. 1681 Section 602 A states that I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to a car dealership and they stated that they were only going to use one bank and I said that was fine because I had my own financing but they could beat it with one company. I find out months later that they sent my credit to a lot of people because I was getting letters saying I was either approved or didn't accept credit. I also see Hard pulls I did not authorize as well.

I just want these removed because it has added a lot of Hard inquiries and has hurt my credit score hard.
Product: Money transfer, virtual currency, or money service

the connection for sign up is insecure, once the prompt asks for SSN or banking info the connection on chrome becomes insecure.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was from XX/XX/1988 with Illinois XXXX XXXX XXXX XXXX over 30 years ago and XXXX XXXX XXXX purchased this debt and put it as a collection on my credit report without any knowledge of this debt at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are addresses on my credit report that i have never lived at. 
also there are 5 ( five ) different spellings of my actual birth name, some are correct and the others are not.
Product: Debt collection

XX/XX/2020 at XXXX XXXX  I answered the call after ignoring 15+ times, or getting to the phone late. I let the man named XXXX finish his intro and let him know " Do not call '' I repeated this phrase over 5 times giving him a chance to respond each one, he demanded to know who I am or else he can not file the DNC and they will keep calling. I have done collections myself and know that you can mark a phone number as DNC without having an account pulled up.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

CREDIT REPORT FILE GENERATED ON XXXX XXXX XXXX XXXX XXXX XXXX THEPERSONAL INFORMATION PROVIDED ON THE REPORT IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to be investigated and corrected for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Debt collection

In XXXXXXXX XXXX, I applied for housing at XXXX XXXX XXXX XXXX Al XXXX They were running a special, {$0.00} application fee and 50 % off of first months rent! After applying, I never received an acceptance or denial letter. Fast forward to XXXXXXXX I disputed the collections but was unsuccessful. Today XX/XX/XXXXXXXX XXXX I reached out to the collections agency and they informed me that I had to provide my debt card information for them to assist me with the details of the collections, I DECLINED! I then reach out to XXXX XXXX and spoke with a nice gentleman that explained to me that during that time the person working there didnt apply the correct code or waive the application fee, so I was charged! He did say because it was already sent to collections, he couldnt fix it on his end! The reason I never received any correspondence from XXXX XXXX or the collections agency is because they had my physical address and not my mailing address! I dont think I should be penalized for the mistake of XXXX XXXX employee!
Product: Mortgage

We having trying to get a payoff statement since XX/XX/XXXX to close on our refinance. Our broker at XXXX XXXX in XXXX, CO began the process, all approved and under written, no appraisal needed, we are now just waiting for the payoff. We personally requested after XXXX XXXX, our broker contacted us stating he was not having any resposne from XXXX XXXX XXXX. We requested again, on Friday XX/XX/XXXX for the payoff to be sent via email ( stated would take 3-5 business days XXXX, again requested via phone with an agent to be faxed on Monday XXXX, XXXX. called today and they stated there was an issue with the payoff balance that it has been escalated and referred to someone else and can not contact them. It will take more time .... We requested the statement through XX/XX/XXXX since we thought we would have closed earlier this month - very easy refi, good credit, lots of equity, etc. 

We are leaving on Monday, XX/XX/XXXX inlate afternoon and WILL NOT have access to phone or email as we are on vacation in the wilderness through Friday. We need to close before we leave. 

This will cost us more money, not to mention going through the process again for a later date if not resolved. 

This is unacceptable for anyone trying to refinance. Normal time is XXXX XXXX for a payoff. This should not be so difficult and frustrating. Are they trying to make all the interest they can while inconveniencing us?? What can we do? 

Not sure if XXXX provides regs for timely turnaround for payoff statement, but we are now having to push off our closing once again that will cost us more money and potentially waiting even more, since the payoff notice was requested through XX/XX/XXXX. 

What recourse do we have. This NOT right. Please help.
Product: Mortgage

I have been in your home for XXXX years and have an FHA Loan. I have a solid previous payment history and in XX/XX/XXXX you lost your job. Within a week of losing my job I filed for Unemployment benefits and contacted the Mortgage Company ( FBC Mortgage ) for assistance. I called and spoke to several agents, requested a loan mitigation package, and filed all the paperwork that the bank requested. And yet, when I called for a status Friday XXXX XXXX XXXX, I was informed that they have put me into foreclosure, without resolution.
Product: Credit card or prepaid card

Disputed a charge on my card due to unsanitary conditions during a 3-night stay at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX , a XXXX XXXX  establishment which advertised affiliation with XXXX. I had reserved XXXX ( XXXX ) suites ( # XXXX and # XXXX ) and during our stay, my brother sustained multiple stings/bites on arms and legs after reclining/sitting on the sofabed of XXXX XXXX XXXX ( this is a pet-friendly establishment ). In addition, we observed roosters/hens entering the rooms when staff walked in to service the rooms. Upon check out on XX/XX/XXXX, while waiting in line, we overheard an XXXX family in front of us complaining about a similar incident, and a young lady lifted the back of her shirt to show several red stings/bites. We, as well, filed a complaint with the front desk, however, had to depart because the injured party and his wife were from New York and needed to catch a flight out of XXXX. After attempts to resolve the problem with a XXXX XXXX XXXX ( supposedly a member of the management team ) by email and phone calls ( have retained info ) went unanswered, I contacted XXXX towards the end of XXXX and an inspection was done by inspector XXXX XXXX (? ). On XX/XX/XXXX ( more than a month after XXXX was notified ), I received a call from XXXX XXXX ( XXXX ) XXXX, who informed me that the inspection had been conducted, however, there was no evidence of pests. Subsequently, on the same day I contacted CapitalOne to dispute the charge of {$1000.00} for XXXX XXXX XXXX. I was told by the representative that a letter would be sent to me the same day with instructions. More than XXXX ( XXXX ) days later, I again contacted CapitalOne and informed them that I had not received the letter, maybe the letter should be emailed to me. The representative stated that this was not possible, but the second letter would be on its way. After not receiving the second letter by XX/XX/XXXX, I contacted CapitalOne again and this time requested to speak to a supervisor. XXXX, the supervisor, was all of the sudden able to email me the letter and instructions, which I am currently following up on. Furthermore, during my research, it was determined that the motel was not affiliated with XXXX and did not have a valid Florida license ( have copy ). In addition, the license/name was changed at least twice from XX/XX/XXXX to XX/XX/XXXX, but is not registered. Had I been aware that this establishment was not affiliated with XXXX, I would not have made the reservations. In the meantime, CapitalOne had initially credited my account, but a week later reversed it and reapplied the charge. I'm suspecting that CapitalOne has delayed processing this claim intentionally. I am hereby submitting all pertinent information/documentation ( please note the establishment name on the invoice and dates of the licenses ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the consumer Financial Protection act, ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Transfer Fund Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek the appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was taken advantage of due to malpractice while several were broken by your financial company. i cant even get a sba loan due to this matter.
Product: Mortgage

To Whom it May Concern : I was sent a letter from my mortgage company with a return address of XXXX XXXX. Inside it mentioned a Bi-Weekly Program that promised to save me interest over time and I believed to be through my mortgage company. I signed up for the program and {$7500.00} was taken out of my debit account in XX/XX/2015. I learned on XX/XX/XXXX via a letter that it was a non-affiliated company, Nationwide BA and that they did not have bank funding to make my XX/XX/XXXX payment. I tried calling the company number provided to get a message, " We are currently experiencing technical difficulties '' and gave an e-mail address. I tried to e-mail but got an automated response. I have talked to my mortgage company and they received {$6900.00} from this company. Nationwide BA misappropriated {$510.00}. My bank reversed the last {$500.00} that was taken out of my account. I am not asking for the {$15.00} back from Nationwide BA but they are going to send the {$500.00} to collections that was reversed by my bank. When I tried to resolve this matter with XXXX XXXX at the extension provided XXXX XXXX Ext XXXX ) it hangs up. I waited on hold for over an hour and could not speak to a representative. I understand that the CFPB has filed a lawsuit against this company. I feel that this company misrepresented who they were to me on the phone.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below, which still appears on my credit report after your investigation. I request an immediate reinvestigation of this item, as the inaccuracies are highly injurious to my credit score. 

Account Name : XXXX  XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up.

Additionally, please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to1022.142 ( b ) ( 6 ).