23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, This is XXXX XXXX XXXX and I am writing to dispute inaccurate information on my credit report. This is NOT a 3rd party contacting you. Upon me reviewing my credit report, I have identified several items that contain incorrect personal information. According to the Fair Credit Reporting Act ( FCRA ), the information provided to credit bureaus must be accurate, complete, and verifiable. Specifically, FCRA Section 611 states that : " ( a ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ''
Product: Credit reporting or other personal consumer reports

I recently paid off collection account to Vance and Huffman LLC. They agreed to have account deleted in exchange for payment. The collections account still remains on my XXXX  credit report. XXXX has updated the account on their report and has deleted it as it should have been done. XXXX only updated the collection account as paid instead of removing the account. This is not the first time but is among many times that XXXX  fails to properly update my credit report accordingly. I have this same account deleted from my XXXX report so I dont know why XXXX cant do the same and never reports my accounts accordingly and I have to contact them to resolve discrepancies. If one n or has deleted the account and can make changes in a timely manner.
Product: Credit reporting or other personal consumer reports

I DONT RECOGNIZE THIS INQUIRY XXXX XXXXXX/XX/2021 I DONT RECOGNIZE THESE ACCOUNTS XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( I have never paid late ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a report to the CFPB regarding the problem with an investigation into a credit reporting issue between XXXX and the three main credit bureaus. That claim number is XXXX. 

The company, Transunion, gave the below response : " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute request, we sent you a letter to inform you the information is not currently on your TransUnion credit report and included instructions on how to obtain a credit report. '' This information is simply untrue as I immediately contacted Transunion at ( XXXX ) XXXX and escalated the call to a supervisor who confirmed that the misinformation regarding the late payment to XXXX is still in my credit report as of XX/XX/XXXX. In the section of my report that reads " Late Payments last 7 years '' it reads ( XXXX ) late payment for 30 days. However, in the historical section of my report it has OK for every month as if no late payments have ever occurred. 

I don't know if this is an oversight or if it's intentional. However, this error and inaccurate reporting is costing me financially. Transunion has misrepresented to the CFPB, a government agency, that the information contained within my report is not present on my credit report when in fact it is.
Product: Checking or savings account

My Debit card got charged on XX/XX/2022 for {$4900.00} plus {$140.00} related bank charges for international use, I filed complain to reverse the transaction and instigate it, the bank refused and asked to wait for 90 days, after reaching out to merchandiser they rejected to refund the amount, I already black listed this merchandiser from using the card illegally replaced both my credit card and debit cards to protect against bank security issue. I made many calls and finally filed a complain and again no feedback for weeks. The same problem happened before and reported here on XXXX XXXX and had to escalate to get my money back.My business account number XXXX Name of Account XXXX XXXX XXXX XXXX XXXX - XXXX XXXX My phone number XXXX, complain number XXXX
Product: Prepaid card

I redeemed an Amex gift card from an employer in XXXX of XXXX. That XXXX I was able to make a purchase with it, but later returned that item. Since XX/XX/XXXX, I was unable to use the card. I tried online, in person, using varied amounts, nothing worked. I forgot about it and stopped trying to use it until XX/XX/XXXX at a local spa and yet again, it wouldn't let me charge anything to it. After that incident, on XX/XX/XXXX, I called American Express ( XXXX ) to request a replacement card. I received the new card about a week later and called the same number as above to activate it. Upon activation, it told me my balance was $ XXXX which was not correct, since it was originally a {$500.00} gift card. I checked the online to see if there were any fraudulent purchases made, which there were ; one for {$110.00} and one for {$58.00}, from 'GoFundMe '. On XX/XX/XXXX, I called American Express to report the charges and they filed a dispute. I later received an email telling me the dispute was declined, with no further information as to why, and that they would send me another new card with the remaining balance. When I asked what they based their findings on and for more information about the charges, they simply told me that they conducted a thorough investigation and that the card information was given by me.
Product: Debt collection

Portfolio Recovery Associates have not been consistent with the information they are reporting to the CRA, and have not been helpful in rectifying the information despite my attempts to have it corrected. Between XXXX and XXXX 2016, they were reporting my collection as if it was a revolving account and adding 30-day late notes. They have never made any attempt at helping me resolve the debt, outside of the time I called them in XXXX 2016 to inquire about resolution. No follow up phone call or letter was received after that, even though I was told on the phone that it would be arriving. In addition to the lack of direct contact, in their correspondence that was sent regarding my collection, their language was almost threatening and it did not seem like they had any intention on helping me resolve my outstanding debt. Lastly, they also repeatedly check my credit report multiple times per month, almost as if they are trying to stunt my credit score growth and rebuilding.
Product: Debt collection

On XX/XX/2021 A representative named XXXX XXXX of Mckenzie Paul and Associates called attempted to collect a small medical. Debt. I returned his telephone call at XXXX XXXX and attempted to verify the debt as genuine. XXXX would not agree to provide anything in writing to verify the debt to my home. He also threatened to turn me into a collection agency unless I paid the debt today of {$92.00}. I informed XXXX I would be happy to do so once I verified the debt was genuine and mine to pay. 

I asked this numerous times, but he refused to provide me anything in writing verifying the original debt. He also wanted me to pay by credit card over the phone which I deem to be a security risk. He did not have any secure way of payment and I refused to give a stranger my credit card information without verifying the debt as authentic. 

XXXX then became ugly and terminated the call.
Product: Mortgage

My foreclosure index # is XXXX I have requested several times to Well 's Fargo to get a exact payoff amount on my loan. They have refused, I was refered to there law firm representing them in foreclosure action. I was told by Well 's Fargo they would provide me with exact amount of total loan payoff, including money owed along with all legal fees attached and any penalty monies due. The law firm in the action which is in New York state is the XXXX XXXX firm in New York. Neither the law firm or Well 's Fargo will give me the exact payoff amount. I have been in active negotiations to settle this case for far to long, but neither Well 's Fargo and especially XXXX XXXX firm have negotiated in good faith at all. The atorney representing the bank is XXXX XXXX there main office number is ( XXXX ) XXXX - XXXX XXXX XXXX XXXX, New York. As I understand the law I am entitled to a total payoff amount any time I ask for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been having trouble freezing and unfreezing my security freeze online its been like this XXXX weeks or more now and XXXX having trouble seeing my updated credit score Ive contacted Equifax twice and nothing has been done to fix this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX and XXXX XXXX XXXX XXXX 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 accounts without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of this items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Complaint : PNC Bank unable to access funds Former XXXX Compass customer, now forced to bank with PNC since the conversion on XX/XX/2021. 
We had XXXX accounts with BBVA of which, only XXXX have been rolled into PNC. We are unable to access a savings account with over {$16000.00} for now going on XXXX weeks. 
I have contacted PNC XXXX times a week spending close to XXXX hours to try to get this problem corrected. I have spoke to dozens of PNC employees and was continually told " Funds will be available in XXXX days '', Finally assigned a customer representative XXXX weeks ago, have been assigned a XXXX XXXX, however, I still get the same response, " Funds will be available in XXXX days ''.
Product: Payday loan, title loan, or personal loan

I am writing this complaint in regards to Lendmark Financial. Lendmark completely violated my privacy by contacting one of my references, and telling that person personal information about my account status. Lendmark didnt even try to contact me or myself, who are both on the account. This is absolutely unacceptable and should have NEVER happened. 
Furthermore, I have already told this company that Im in the process of filing bankruptcy. 

Ive attached the text message received from thw reference that lendmark contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX a fraud charge by a XXXX XXXX in the amount of {$49.00} was charged to my XXXX ending in XXXX which has a XXXX balance. I was not aware of this charge until XX/XX/XXXX when XXXX called me advised me that my account is more than 60 days late. I then began a fraud dispute case XXXX. I called XXXX in XX/XX/XXXX to find out the status of this dispute and they said that the matter has been resolved and the account balance is now XXXX. They however said that a letter confirming this will be sent out which I never received. I then looked at my Experian report in XXXX of XXXX and was surprised to see that they had reported the account 30 days late in XXXX but OK in XXXX. I called them and was on the phone with 6 different departments and the matter still remains unresolved. I told them since this was a fraud, it should not be reported as late. When I spoke to Experian they said that XXXX has to remove this from their billing record for it to not show up on my credit report.
Product: Prepaid card

I received an American Express gift card from my employer on Tuesday XX/XX/23 at XXXXXXXX XXXX worth {$100.00}. 

I tried using it at XXXX and it was declined. Tried again and it was declined. The total amount I was trying to purchase was {$52.00}. The card has {$100.00} on it. I checked my balance on the gift card and it was now {$99.00}. 

I immediately called American Express and the lady apologized and told me the XXXX cents would be put back on my card in 24 hours. 

I woke up this morning and checked the balance and now it was down to {$99.00}. I called American Express again. Second time. The guy apologized and told me to wait 24 hours. Called a third time around noon today and the lady told me to wait 24 hours. Called a fourth time, was told the same thing and finally called a fifth time at XXXX and was told the same thing and now Im messaging you.
Product: Debt collection

I am writing to file a formal complaint against Wells Fargo Bank N.A. regarding an unresolved dispute concerning an alleged debt and a requested refund of an excess credit balance on my account. I am the authorized representative and principal under the Social Security Administration. 

On XX/XX/scrub>XXXX XXXX I sent a letter via U.S. certified mail to Wells Fargo, which was received and stamped by an agent on XX/XX/year>. In this correspondence, I made two main requests : Verification of the alleged debt Affidavit in support of 15 USC 1666d treatment of credit balances Despite my clear requests, the only response I received was a generic acknowledgment dated XX/XX/scrub> XXXX indicating that they would respond within ten days. As of today, I have not received any further communication or the requested documentation. 

The lack of timely response and the generic nature of their acknowledgment raise concerns regarding Wells Fargo 's good faith in our fiduciary relationship. As they are obligated to act in my best financial interest, I am deeply troubled by the possibility that they may not intend to refund the excess credit balance currently on my account.

To address this matter, I am formally requesting the following documents : Certificate of Financial Statement This must be distinct from a billing statement, which only details transactions. I require a comprehensive accounting of my account.

Loss Deficit Report Signature Certification Verification This document must be provided under penalty of perjury and should reflect any damages or losses incurred, indicated by red entries. 

If Wells Fargo is unable to produce these documents, it will further substantiate that only an excess credit balance exists, thereby confirming that a prompt refund is due to me under 15 USC 1666d.

I appreciate your attention to this matter and request that you assist in ensuring that Wells Fargo Bank N.A. fulfills its legal obligations. I expect a response within 14 days. If I do not receive a satisfactory response within this timeframe, I will escalate this matter further. 

Thank you for your prompt attention to this issue.
Product: Debt collection

On   XX/XX/XXXX  someone ide ntified as  XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX  (  XXXX , TX  XXXX  ) purchased some items on credit from  XXXX . On   XX/XX/XXXX , the same customer purchased an additional item. A single payment was made on  XX/XX/XXXX       In   XX/XX/XXXX   my  XXXX   cou sin began receiving past due notices and phone calls from  XXXX . She tried to explain that she has a similar ( but not identical ) name, a completely different address, does n't know the person who made the charges, and that she is n't responsible for the debt.     The debt has since been sold  to Portfolio Recovery Associates.      We have made repeated attempts to find out how this account was opened. We have sent documents showing my cousin has lived at the same address si nce  XX/XX/XXXX  and i t is not on  XXXX   XXXX   XXXX .      Portfolio Recovery Associates h as refused to supply any proof that this debt is my cousin 's and continues to call and send her notices. My cousin has   XXXX  and  XXXX   XXXX  , and is   XXXX   XXXX   by their refusal to prove anything regarding this debt.
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 XXXX XXXXXXXX XXXX XXXX, which falls undeXXXX XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

Elite collections service, XXXX XXXX XXXX XXXX XXXX XXXX  contacted me by phone ONLY demanding payment in full, in EVERY single interaction. NOT ONCE did they even express payments plans in ALL interactions. NOW they are representing in my credit reports that I am BEHIND on payments starting XXXX of 2024, falsely representing that I had reached some sort of agreement and failed to pay! I will give them credit as they DID try and give me an offer for a reduced payment... but NEVER EVEN once offered payment plan AS REPRESENTED in my credit report as an option. ALSO when asked for written proof of my interactions with me, NEVER ONCE did they try and contact me by E-mail OR Residence mail - they don't even have that information on file for me... IT WAS TOTALLY PHONE COMUNICATION, AND DEMAND OF FULL PAYMENT ON PHONE ONLY COMUNICATION... THEY DID NOT OFFER any information about the place of buisiiness OR ANY OPTION dispute ... just full payment and immediatetly!! When I inquired about " if i make payment, would this have any bearing on already reported activity '' as per can I fix any reports already filed Elite Collection service claimed that they COULD restore my credit, by offering some sort of letter to the. AND GAVE NO WARNING THAT THEY COULD FALSLY REPRESENT A NON-PAYMENT AGREEMENT MONTH BY MONTH- again as NO MONTHLY payment plan was EVEN CONSIDERED AS AN optiion from them. As i was unable to pay in full, I refused the agreement. If i were presented with a payment plan of CONSIDERABLE monthly payments I would have tried to resolve this issue .... NOW MY CREDIT report is TRASHED over an optiion which was NEVER given to me. NOT ONE TIME HAS THIS COMPANY EVER SENT ME ANY WRITTEN STATEMENTS ABOUT ANYTHING - EMAIL OR PHYSICAL MAIL EVEN WHEN I REQUESTED SO REPEATEDLY. WHEN iNQUIRED ABOUT IT ( ANY WRITTEN STATEMENT ABOUT ANYTHING ) NO OONE EVEN ASKED MY ADDRESS AND THIS COMPANY REFUSED TO DO SO. PLEASE ASK THIS COMPANY TO PROVIDE MY ADDRESS OR EMAIL -- - they can not!!
Product: Checking or savings account

PNC Bank in  XXXX , PA allowed ( and will not return funds ) an online withdrawal transaction that had my name and my father 's name on it. It was a checking account. My father passed away on  XXXX   XXXX ,   XXXX  , and my sister ( whose name is NOT on the account  )  withdrew {$500.00} two times ( {$1000.00} total ) on  XXXX   XXXX ,   XXXX  . Again, this was AFTER my father passed away, and my sister 's name is NOT on the account. PNC refuses to return the money or even attempt to retrieve the monies back from her. My sister (  XXXX   XXXX   )  and I have not spoken for several years. I feel this is the bank 's responsibility to return the {$1000.00} to me as it was then  MY account, and the bank holds responsibility to protect their customers ' accounts. The Assistant Bank Manager   (   XXXX   )  is the person I have been speaking to regarding this fraudulent act. I am filing this formal complaint against the bank so they refund the {$1000.00} that they allowed to be withdrawn illegally. They have been totally unhelpful and uncooperative in this matter. They did n't even notify me until 4 days AFTER the money was withdrawn. They are fraudulent in so many ways.
Product: Credit reporting or other personal consumer reports

There is a company LVNV Funding LLC, which showed up on all my credit reports I believe in XXXX of this year. I do not know who this company is and I have never done business with this company. I have requested documentation show I have or had an account with them and they have yet to provide the information