23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PNC Bank advised us that they would refinance our loan at 3.3 % thirty year fixed and if we invest $ XXXX with them, they will do a discount of XXXX points and XXXX points for {$1.00} XXXX. We provided them our records and sources of investment and met with their investment group. After listening to them, we decided that we would be open to $ XXXX investment, and if we like their performance we can do more later. After we informed them, they came back and said they will not do the loan and it should be XXXX {$1.00} XXXX investment. 

After telling them, that they did a bait and switch, they asked a manager and he said to not complain with regulators and instead will provide $ XXXX of credit on one property and $ XXXX on second to make up for our experience. We provided them all of our information in XXXX ( two 401K, IRA, multiple properties, savings with enough cash to carry us three years even without a job, far above minimum ). Subsequent to that no responses received again on loan status. After complaining that it has been nearly a month and half we started again sending them my bonuses, pay stubs, investments and stocks, insurance, mortgages. They asked my HR to provide them records of bonuses and stubs showing bonuses, which we did comprehensively. We provided them copies of three years of taxes. Still two months later and nothing. Then they asked for same items again for third time and put a long list of items through a macro-based file to my HR who stated that they have never seen anything like this, it can have cyber security issues to open these files, and finally beyond confirming employment bonus rates, they can't fill out some 15-20 questions that are beyond basic question of bonus structure and salary an confirmation of employment. The bank has refused to fund our loan, refund charges for credit and appraisal. They never intended to do this loan and has dragged us for nearly four months now. If they had any issue with my income they should have asked for that before dragging us this long, asking for appraisals and keep blaming COVID. Why ask for same information three times and never act on it, the answer is the bait and switch. They wanted our investment and never intended to fund this loan. Their conduct is fraudulent, in bad faith. Let me state that I emailed them with this narrative, they confirmed that this bait and switch indeed happen and they were sorry. This is all in writing from their mortgage rep and his Vice president copied. 4-5 months is beyond good faith business practice. I asked them for refund twice and they refuse to do so.
Product: Debt collection

Portfolio Recovery Associates continues to call me about a debt that I do not owe. The statute of limitations was over five years ago and it has since then been removed from my credit. This has continued over the last few years and they will not stop calling even after I have told them so.
Product: Debt collection

As of XX/XX/XXXX I have yet to receive anything to validate said debt. I have sent THREE debt validation requests. Two in writing and one via phone. And all of my requests have been ignored. I first disputed this debt on XX/XX/XXXX and instead of validating the debt they would rather ignore my request and continue reporting to the credit agencies ( most recently as of today ) that I owe them when in fact I do not. I have never done business with this company. They have never provided me with goods or service yet they have fraudulently stated I have. I have yet to receive a contract between me and this company. A full account summary and itemized calculation of the alleged debt. When this debt originated and when it became delinquent. They also failed to follow FDCPA by not sending a letter giving me the alloyed time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. It is obvious they do not have anything to validate this debt and instead of removing their fraudulent trade line they would much rather continue violating not only the law but my rights as a consumer. It does not take WEEKS to validate a legit debt. If I am the person you say owe I wouldnt have to fight tooth and nail just to get basic information to validate the debt. They lied and said they would and were sending me something and have not!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint myself and theres no one or third party involved with this submission. I would like to also note that I am a natural living person/ a consumer pursuant to 15 USC 1692a ( 3 ). Additionally, I would like it to be noted that that data furnisher ( JP Morgan Chase ) is violating my right as a consumer according to fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX - I have XXXX accounts that Cominenty  handles. A Victoria Secrect and an XXXX. I have filed complaints XXXX and XXXX. The CFPB needs to read this and investigate! You have no clue the toll this has taken on me!! This company was fully aware I was impacted by XXXX  and was on life support during the times of late payments. My husband tired calling in and no one would talk to him about my account and for XXXX, this is a total joke my credit is ruined because they failed to respond to a billing dispute TWICE regarding a {$35.00} late fee that was overly waived at the end of all this!!!! They have ruined my credit with their poor servicing! All they keep responding with is " your payment was due '' Your agreement says XYZ '' '' Well you know what! Had your company handled my billing dispute correct and spoke with mu hiusabd and gave me the COVID assistance i deserved, I would not have this issue right now! 

I had to cremate my daughter because they will not rightfully fix my credit!!! All other creditors did but them!! They need to be held accountable!!! Fix my credit! I do not deriver the emotional toll this is taking on me!!! I lost my husband and daughter to this XXXX, the only reason my payments were late is because I had the XXXX  and was in the hospital! Their compliance and Legal  need to review all my complaints and disputes and get my credit fixed!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate reporting on my credit file. XXXX is in direct violation of the Fair Credit Reporting Act ( FCRA ) regarding one of my accounts. Several of my rights have been violated as follows : 15 U.S.C. 1681 Section 602 ( a ) : Clearly states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : States that a consumer reporting agency can not furnish account information without my written instructions.

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

I request that you remove the late payment and update this account immediately, as this inaccurate reporting violates multiple sections of the FCRA.

Failure to comply may result in further action on my part to protect my rights under federal law.

I also demand for proof of any alleged debts under penalty and perjury by a notary witness. If you can not provide any details please correct the accounting. Until this is resolve my invoice will be
sent to for {$500000.00} a day or other for the mental anguish triggered until we can meet on one accord.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent in a request for an investigation and to advise of inaccuracies on XXXX  XXXX XXXX Account # XXXX. I got a response on XXXX XXXX yet inaccurate and missing data remained. It closed date was updated no closed date is listed. The date of first delinquency does not match the month the month the account was actually late. 

According to the industry standard accurate, and full data needs to report.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy ( 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 reporting, credit repair services, or other personal consumer reports

My report 's list of inquiry and information was incorrect. I sent it to each credit bureau, requesting that they look into it and investigate my reports. However, that information is still being published and is now affecting my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. 
EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRY : XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Have received a Vanilla Visa gift card. There is a fraudulent charge on the card at XXXX, on XXXX/XXXX/21 for {$63.00}. I never made this charge. There is no way to contact Vanila as they intentionally make it impossible to get a live representative. They are openly breaching VISA merchant protocol and are violating my rights. Their practices are dishonest and undoubtedly many people have suffered from similar issues.
Product: Checking or savings account

The Debt Collector Source Receivables Management acting on behalf of XXXX called me in XXXX to collect {$1400.00} which I assumed included an inflated amount by the agency.I said I didnt have that much so they offered to settle for {$800.00} and wanted my bank account info and like an XXXX I gave them the info and at the proper time {$800.00} was withdrawn which I thought settled the matter.Today XX/XX/XXXX they sent me a letter that they had charged my account an additional {$1000.00} causing an overdraft fee 's by my bank. I am working with my bank but their hands are tied until the draft is processed.I only hads {$800.00} in the account prior. I intend to sue this collection agency for causing me pain and suffering.Had they been ethical this issue would have been over. The collection agency is Source Receivables Management of XXXX, NC.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX XXXX XX/XX/XXXX Innovative Recovery XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Collection Account XXXX To Whom It May Concern : I am writing to dispute the validity of the debt associated with account number XXXX, which you are collecting on behalf of XXXX XXXX. As this is a third-party collection, I request full validation of this debt, including the original contract bearing my signature and your authorization to collect this debt. 

My lease agreement indicates my rental period was from XX/XX/XXXX to XX/XX/XXXX. Charges listed in your records extend beyond this period, which contradicts the terms of my contract. Please provide : 1. Proof of the alleged debt, specifically the contract or instrument bearing my wet signature not typed in.

2. Evidence of your authorization to collect this debt.

3. Your authorization under 15 USC 1692 ( E ), 15 USC 1692 ( F ), and USC 1692 ( G ).

4. Theres no document with my real signature that shows I stayed in the apartment past the lease. 

Failure to provide this information within 10 days will result in my assumption that this debt is invalid. I will then request removal of this debt from my credit report with all major credit bureaus. 

Your continued reporting of this unverified debt violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, which has caused significant harm to my creditworthiness. I can not obtain housing or employment due to these inaccuracies. 

If this matter is not resolved promptly, I will pursue legal remedies, including filing complaints with the FTC, XXXX, AG, and CFPB, and potentially seeking damages for defamation and negligent enablement of identity fraud. 

I expect immediate cessation of any reporting on my consumer credit report. Please send written confirmation of your compliance with this demand. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue swiftly. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Bank of America closed my business Checking Account in early XXXX and told me that the balance would be sent to me when closing was complete. Apparently there has been an ongoing investigation in the account concerning a couple of wire transfers since XX/XX/XXXX that has held up the disbursement of the funds in this account. The current amount in the account as of the XX/XX/XXXX statement is at {$5800.00}. The wire transfers holding up release of the rest of the funds is {$3000.00}. Since then I have called several times and have been told by Bank of America that all the funds are being held up due to this investigation which is now almost 6 months old. Also the {$3000.00} is no longer technically in the account. It was transferred to a business client for services that the funds were sent by the consumer in the first place. Finally Bank of America gave no warning of the accounts closing and always are vague in their responses to questions.
Product: Debt collection

I have stated multiple times not to call my cell phone & stated this is not my debt and i continually receive calls as well as emails pursuing this debt.
Product: Checking or savings account

I went to a Chase bank branch in XXXX XXXX Mi. to deposit a check in XX/XX/2018. The XXXX female branch manager told.me to " get my XXXX XXXX out of the bank before she calls police. I then took the check to another Chase branch on XXXX XXXX and check was deposited into account. ( the manager made a complaint to chase that day. ) Same scenario same bank ( XXXX XXXX ) repeated this again in XX/XX/2018 with a cashier 's check. ( Both checks were drawn on Chase so it was THEIR checks.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF HUMAN XXXX  PLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX  Account # XXXX THIS ACCOUNT IS NOT MINES, I NEVER SIGNED A CONTRACT WITH XXXX XXXX XXXXXXXX XXXX THEY ARE IN VIOLATION OF MY PRIVACY FOR USING MY INFORMATION THIS ACCOUNT NEEDS TO BE DELETED DUE TO ITS INACCURACY & UNFAIRNESS. 

IN VIOLATION OF MY PRIVACY FOR GIVING MY INFORMATION TO A THIRD PARTY PLEASE REMOVE THIS ACCOUNT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$3800.00} XXXX US DEPT ED XXXX Balance : {$540.00} ; US DEPT ED XXXX Balance : {$2500.00} ; US DEPT ED XXXX Balance : {$4900.00} ; US DEPT ED XXXX Balance : {$3100.00} ; US DEPT ED XXXX Balance : {$2300.00} ; US DEPT ED XXXX Balance : {$2500.00} ; US DEPT ED XXXX Balance XXXX {$4900.00} ; US DEPT ED XXXX Balance : {$6000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

To earn a welcome bonus of XXXX XXXX XXXX AAdvantage miles, you can spend {$2500.00} within the first three months of opening a Citi AAdvantage Platinum Select card. I opened my account In XXXX XXXX and spent over the qualifying amount. I waiting and waiting because I was told it takes time ( according to one of the reps ) after the 3 months to show up on account. Never received them so I called and they told me I didn't have any reward attached to my account. I told them I went through the link that had the promotion.
Product: Credit reporting or other personal consumer reports

I have noticed several authorized inquiries on my credit report that I would like removed. I am a victim of identity theft. The inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Consumer Financial Protection Bureau, I am writing to formally complain against XXXX XXXX regarding their failure to follow through on an agreed-upon goodwill deletion of late payment entries on my credit reports. Despite multiple attempts to resolve this issue, the incorrect information remains on all three major credit bureaus ( XXXX, XXXX, and Experian ). 

Background of the Issue I have been a loyal XXXX XXXX customer since XX/XX/XXXX and have consistently managed my credit responsibly. In XXXX, however, circumstances beyond my control led to XXXX late payments on my XXXX XXXX XXXX XXXX XXXX ( Account ending in XXXX ). These delays were the result of issues with payment distribution from my XXXX XXXX program provider, XXXX XXXX XXXX. Additionally, one missed payment in XXXX was due to an XXXX diagnosis that required hospitalization. 

In light of these extenuating circumstances, I reached out to XXXX XXXX on XX/XX/XXXX, requesting a goodwill adjustment to remove these late payments from my credit reports. I emphasized my long history of responsible financial management, my commitment to honoring my obligations by choosing a XXXX XXXX program over bankruptcy, and the significant impact these late payments were having on my ability to secure a mortgage for my first home. 

XXXX XXXX acknowledged my request and agreed to facilitate the goodwill deletion as a gesture of goodwill. However, despite this agreement, the following late payments are still inaccurately reported on my credit reports : Inaccuracies Reported : 30 Days Late : XX/XX/XXXX on XXXX, XXXX, and Experian 60 Days Late : XX/XX/XXXX and XX/XX/XXXX on XXXX, XXXX, and Experian Attempts to Resolve the Issue Since receiving the goodwill adjustment agreement from XXXX XXXX I have made several follow-up attempts to ensure that the late payments are removed from my credit reports. Despite these efforts, the inaccuracies persist, causing significant harm to my XXXX XXXX and overall financial standing. 

Impact of the Inaccuracies The failure to implement the agreed-upon goodwill deletion has resulted in considerable financial harm, including higher interest rates, denial of credit applications, and an overall negative impact on my creditworthiness. These inaccuracies are especially damaging as I am in the process of securing financing for my first home.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXXXXXX 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

According to the IRS a unpaid charge off is income and according to the fcra income can not be reported on a credit report. I received a 1099-C cancellation of debt for the following charge off accounts listed below, ( XXXX ) after checking my most current report the updated information stated this account was still being reported this account can not be reported as a charge off my credit report. please cease the reporting and delete this account
Product: Credit reporting or other personal consumer reports

At this moment. I am in litigations with XXXX company.. complaint files first one XXXX. Second # XXXX. Third # XXXX. One is a consumer agency. XXXX. The other is Goldman Sachs. And XXXX XXXX funding. There seems to be some miscommunication I the consumer and they the corporations in this litigation and disputes. I XXXX XXXX would like all three companies to send me any documents/paperwork/evidence : or any written document they have supporting the allegations through mail. Certified mail. As a consumer doing business I have legal rights to so these documents that support there claims.
Product: Money transfer, virtual currency, or money service

My complaint is simple. PayPal has no customer service support. The support phone number automatically hangs up on you. There is no way to directly contact a representative of Paypal. I have an issue with a money transfer and for 3 days I have been unable to contact any support people. I feel like a service that handles money should have a representative to handle problems with their service and my money. Paypal does not have this option. So they have my money and i have no way of talking to anyone, their online chat people cut and paste the same thing repeatedly even though I keep telling them it isn't helping they refuse to provide any contact information to directly contact Paypal.
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XX/XX/year>XXXX  to the credit bureaus requesting that the XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.