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

The mortgage on my residence has been serviced by PNC Bank since XX/XX/XXXX. Since that time, all payments have been made on time, and there has been no default of the loan. 

On XX/XX/XXXX the comaker on my mortgage filed a XXXX  XXXX bankruptcy case. Payments have continued to be paid on time. On XX/XX/XXXX PNC Bank generated a letter that I received advising that negative information was provided to the credit reporting agencies. Within the next month, each of the credit reporting agencies reported that my mortgage was paid and there was no longer a balance due for the account. This was far from the actual facts. I have contacted PNC and was directed to a representative that handled accounts that were involved in a bankruptcy. I was advised the even though I was not involved in the bankruptcy that the account for their purposes was coded as in bankruptcy. Furthermore, I inquired about having accurate information reported to the credit bureau agencies with regard to the credit report. Additionally, I was advised that they would not report updated information until a time that the comaker on the loan had completed their payment plan. The mortgage is not one of the accounts that is being paid within the XXXX  XXXX plan. 

After that time, I filed disputes with each of the credit bureau agencies concerning the information reported by PNC Bank. After the investigation by XXXX XXXX, they deleted the account from the bureau. I called XXXX XXXX and the representative advised they could not help, and I would need to have PNC Bank report information to have the account listed on my bureau. XXXX conducted a review of my dispute, but at the end of the investigation did not update any information. The same was the case with XXXX. 

By PNC Bank not reporting information on my mortgage to the credit reporting agencies, this has resulted in my credit score decreasing by approximately 30 points.
Product: Checking or savings account

As a XXXX XXXX, I receive funds for XXXX XXXX. A customer paid with certified funds which the bank informed me the certified funds was counterfeit, I filed a police report which provide all information about the client that issued the fraudulent form of payment for work rendered. 

After that I conformed to pre paid cards to avoid such situations. 

I went from being an XXXX XXXX to having my XXXX XXXX. Todyay I tried to open an business account and was informed that the situation I thought was handle in 2014 was not
Product: Debt collection

I recently reviewed my credit report and found that this company ( bonneville collections ) has placed a collection account on my credit report for ; XXXX XXXX XXXX, in the Amount of {$200.00} I do not have any knowledge of this account and this company never sent me a notice to settle this or dispute this prior to placing this on my credit. By law they should have sent a letter giving me 30 days to do this. 


I have contacted them by email about this issue and have not received a response. ( See attached file of email sent to company )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit card or prepaid card

Chase Bank regarding hard inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, theses are the dates they show up on my credit report as hard inquires, after talking with Chase several times and XXXX who is the only one reporting them again several times. After a month received a letter that went to credit reporting agencies to mask the hard inquiry : Then looked at my report and saw two more XX/XX/XXXX and XX/XX/XXXX Called Chase Bank they stated even if it fraud they still put the inquires through and notify the credit reporting system, XXXX says : they have to list it because even if your account may be fraud we still put a hard inquire on your account.
I do n't have nor have I ever asked Chase for a credit card or anything else.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$210.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$520.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX Balance : {$1.00}
Product: Debt collection

Repeatedly, over many months keep sending texts that " XXXX, XXXX XXXX XXXX collects for XXXX XXXX XXXX XXXX a balance of {$570.00} to pay click on this link XXXX XXXX XXXXXXXX or call XXXX. I have spent XXXX hours on hold trying to get a human -- I have all the screen shots as well as the recordings because I am allowed to record them as their automated XXXX. service informs us " this call is being recorded. This is to collect a debt " so on and so forth -- -- - You wait on hold and somewhere in the vicinity of XXXX to XXXX minutes -- -the recording counts down from " you are XXXX in line to # XXXX but no one ever answers and puts you back in line -- -at this point they say you are XXXX in line, then XXXX in line then XXXX in line then XXXX -- -- but no Human ever answers. Two different telephone numbers XXXX and then looking up on internet takes us to a different phone number of XXXX which, today some snippy person started shouting and sighing at me because I can't hear them -- - and I say " This is a business ..... I was getting ready to request written documentation so we can get to the bottom of this when the man says " You are XXXX " to which I say, no I am not. I say you are texting a business and he says " You are XXXX XXXX " -- I say No, I am not we have XXXX people who work in this office, WHO are you looking for you are contacting A BUSINESS - he sighs and then slams the phone down on me. I have told XXXX and XXXX to Cease and Desist. We do not now nor have we EVER had anyone named XXXX work in our firm. They refuse to stop. But, are Required BY LAW to cease and desist once I say to stop -- but they ignore me -- and, furthermore? They have never ever provided ANYTHING at all in writing which they are also required by law to do- I even PAY for a XXXX BLOCKING service which I have done repeatedly for months but they keep doing it anyway - I don't have all of them but I re-blocked them as recently as XX/XX/year> and they are still at it photos attached- I also have but am not uploading several Audio recordings as they are all well over XXXX hour in length and won't really serve much purpose except to prove they never answer the phone even after XXXX minutes in most cases.
Product: Credit reporting or other personal consumer reports

Recently, I investigated my credit report and found several items there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : XXXX : XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX  XXXX  Account Number : XXXX Please remove this from my credit report XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

XXXX XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

Equifax : XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX Account Number : XXXX Please remove this from my credit report XXXX Account Number : XXXX Please remove this from my credit report XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

XXXX XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

XXXX : XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX  Account Number : XXXX Please remove this from my credit report XXXX Account Number : XXXX Please remove this from my credit report XXXX XXXX XXXX Account XXXX XXXX Please remove this from my credit report. 

XXXX XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report.
Product: Credit card or prepaid card

Contacted Synchrony Bank/Care Credit on multiple occasions, and three times on XX/XX/2019. They claim to have sent a card to me which they also claim was returned. I'm trying to resolve the alleged mail delivery issues. I can not find the company 's original email, claiming the card had been returned by the USPS. They still have failed to get a card to me, with an account opened one month ago. They claim a system email from the legal department was generated and insist there is no way to resend it to me. Two different supervisors also claimed there was absolutely nobody they could ask, or compose a general new factual email with the necessary details to resolve the alleged mail delivery issues I seem to be having, according to them.
Product: Checking or savings account

USAA they are a fraud they took a bunch of peoples Social Security income and threw us out they have held my daughters income that she gets {$400.00} for my husbands social XXXX of it is mine they have locked both our identities leaving me held XXXX homeless  on the streets. They call coding it out theyll take your money and pay people off in front of you these disgusting people actually take it and they wonder why you sit around and hate them as they freeze you out in XXXX  and XXXX  ATM XXXX we also had renters insurance and we had a lot of claims we were robbed completely XXXX XXXX XXXX, XXXX CA XXXX The whole neighborhood was harassed of course our counterparts our neighbors were XXXX so they all said it was gang members it was actually USAA thinking they could become the XXXX XXXX  they still have California locked up
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX 's account is reporting incorrectly to the credit bureaus. XXXX 's has not aided in fixing the errors which the credit bureaus require. The account was closed in XX/XX/2012, and I received notification that it was sold to XXXX recovery and to settle my account with XXXX with XXXX or XXXX. The proof is attached. Upon satisfying my account, the balance was changed to {$0.00} but the account is still to this day reporting as 90 days late each and every month since XX/XX/2012 even tho there is {$0.00} balance and they transferred the debt!. I can't be late on a {$0.00} balance owed, and further since XXXX 's gave or sold this account to XXXX ( attached ) - they should not be reporting anything at all to my credit report.
Product: Debt collection

An acct was opened in my name with Capitol One. Once I discovered this, I informed Capital One that it was not my debt. The account was charged off at some point and removed from my credit file in XXXX XXXX. I received a notice from XXXX XXXX XXXX on XXXX XXXX, XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files in XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. XXXX XXXX XXXX only sent me a collection letter and a capital one statement from XXXX as verification on XXXX XXXX, XXXX. Which is not validation of this debt. I responded to their letter on XXXX/XXXX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.
Product: Credit card

On XX/XX/, I made a payment to XXXX XXXX XXXX for my son 's XXXX. It was on time. I then got a notice a few weeks later that my payment was delinquent and I was charged a penalty. I disputed the failure of the payment. Barclay Mastercard charged me. XXXX XXXX did not post my payment to them. Where is my money : {$340.00}? Both companies deny any accountability and keep referring me back to the other company. 

I can not get them to give me any bank records to show that XXXX can confirm their payment to XXXX was effective. I can not get and bank records to show that XXXX did receive the money. 

I had to make a double payment because the first payment was not posted by XXXX XXXX XXXX. Can you help me. Where is my XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute into Experian reporting unreported/unverified information on my public record on XX/XX/XXXX  meaning that Experian 's deadline to respond was XX/XX/XXXX  but Experian did not respond until XX/XX/. This is a violation and as a result these items must be removed per FCRA.
Product: Credit reporting or other personal consumer reports

I have requested Proper verification and validation to XXXX Original creditor : XXXX XXXX XXXXXXXX this company has placed the account XXXX showing a amount owe of {$670.00} I have no knowledge of this account, I have disputed it multiple times and not documentation step by step validating this account has been provided. 

this account is affecting my credit report and as per the fair credit act I request a immidate removal from my Tranunion credit report. 

Also Transunion fail to verify and validate this account as stated by the fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documentation to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.
Product: Debt collection

Hello, I have a car loan through Chase bank. In XX/XX/2014 My mother passed away so I called in to get a payment skipped. They approved it and have reported a missing payment since. It is hurting my credit and they need to remove the late payments asap. I have disputed with them and XXXX XXXX. I pay every month on my car.
Product: Checking or savings account

On XX/XX/XXXX I deposited a $ XXXXcheck from my 401k. Into my  chase checking account The funds were available XX/XX/XXXX. I made a similar deposit, of {$800.00} on XX/XX/XXXX. CHASE is refusing to make these funds available because they say the of possible fraud. I need these funds for living expenses. I am a single father of XXXX daughters and I am between jobs. They say the hold was system generated but cant give me details. According to the terms and conditions of my account, I should at least be able to have access to {$200.00} of the deposit. They say they cant. I asked what was the reason and they said it was system generated. However, this is a small deposit, I have not had repeated overdrafts, and they can trust the account the check is drawn on as I have deposited a check from the same account within the last three months. My account is not new Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is using a deceptive identity verification question, specifically, they ask about names " previously '' used, implying that the name is no longer used. They included my last name, XXXX, as an answer. XXXX is not a name that I have previously used : It is the name that I have always used.
Product: Vehicle loan or lease

My insurance company paid for the total value of my loan in full after an auto accident settlement. The lender did not disclose any remaining, pending, or unpaid balances prior to the settlement payout during their numerous correspondence between each other. As a result they charged off my loan account for the amount of {$540.00} without attempting to inform any other parties and proceeded to sell the debt to a collection agency. They were legally obligated to disclose all amounts under the Truth In Lending Act and were required to provide clear and accurate loan balances and payment, therefore I am not liable for anything remaining
Product: Mortgage

I am in the process of purchasing a home in XXXX XXXX, SC. I was set to close on XXXX XXXX, but the mortgage company ordered the appraisal too late, so the closing date was cancelled and pushed back. Last night my mortgage broker, XXXX XXXX, XXXX at Kwest Mortgage in XXXX, SC told me he did not want to close my loan, made fun of my credit score, told me he hoped I defaulted on my loan and spoke ill of me being on the loan as a single female. This morning I woke to find out he had sent in a Statement of Termination to my lender and told them that I was withdrawing my application. I never told him I wanted to withdraw my application. He forged that. I do want to continue with the loan process. He forged my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to all credit bureaus and 2 have fixed the issue. I submitted 2x to experian and they stated that they investagated the creditor ( XXXX XXXX XXXX ) and updated my credit report. Unfortunately they have not and my credit report is still showing a past due. I disputed on XX/XX/24 and XXXX I believe
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an auto loan debt/reposession reporting to my consumer report, and the account does not belong to me. This is a result of identity theft, I have been trying to dispute this matter with both the Credit Bureaus and furnisher, and the account still has not been removed and affecting me, my life, my children, and my family negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient will not remove old deragotory information from my credit report. It is more than ten years old. The statute of limitations has expired.
Product: Consumer Loan

This is my official complaint against the billing practices, and violations of TILA and Regulation E, by Santander Consumer Finance. 

On XXXX/XXXX/15, I was involved in a car accident and thusly my XXXX Nissan Maxima was XXXX. The car was financed through Santander Consumer Finance. In correlation with my insurance company " XXXX '', Santander was also notified of the accident. My insurance company made a {$21000.00} payment to Santander for the price of the car in XXXX of 2015. The remaining amount owed to Santander by me is an estimated {$13000.00}. Per my original note with Santander, my original monthly payments were {$670.00}, prior to the date of the accident. 

I received a call from Santander on XXXX/XXXX/15, requesting that a payment be made and to advise me that I was 14 days past due of {$260.00}, asking that I make a payment with them. Again I had not received any response from Santander to the accident, until the XXXX/XXXX/15 call. I told the representative that I needed to be provided a disclosure in writing outlining terms and conditions of the loan modification. First the representative stated that she could n't do that, and then she asked me to validate my email address, and then she sent me a statement. I made no arrangements to pay as there was no way to validate that the caller was Santander representative. On XXXX, XXXX/XXXX/15, I received a call from another person claiming to be from Santander, socializing the same information, and subsequently emailing me a statement instead of a disclosure as I requested. 

In reading some of the CFPB Guidance around Closed End Loans, disclosures are required for " change in term notifications. '' However I did not receive any notification prior to receiving an email copy of a statement. 

In addition to my not receiving the proper disclosures to accompany the modification of the terms and conditions, my interest rate was not clearly and conspicuously identified, and the statement does not include the proper dispute information per Regulation E, though the statement does identify that Santander offers electronic payment services which I use from time to time. 
Respectfully, XXXX XXXX
Product: Bank account or service

I bank at TCF Bank in Minnesota. I purchased a laptop from an international seller, which resulted in me being charged an international fee. When balancing my checkbook, I did n't account for the international fee which resulted in me being overdrawn by {$6.00}. I was then charged a {$37.00} overdraft fee on top of it. I went into the branch and called the customer service line and they just explained that the policy is to charge anything over {$5.00}. I VERY rarely overdraw my account, and thought the bank would take care of its customers in a better manner than charging {$37.00} for an overdraft of less than {$7.00}. In addition, I made a cash deposit the very next day to cover the overdraft situation because I do n't like ever being in an overdrawn situation. This seems outrageous, and I believe the Truth in Savings regulation should be updated to no longer allow any overdraft fee greater than the amount actually overdrawn.