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

The PNC acquisition/merger of BBVA/Compass Bank has been a total disaster. On XXXX all of my accounts were supposed to be switched over to PNC. They had months of notifications of this process. On the Monday ( XX/XX/XXXX ) following transfer 1 personal account was accessible and 1 business account was accessible. I called a customer service number on XX/XX/XXXX and was on hold for over an hour without anyone picking up. I went in to a branch and there was a huge line of people waiting to get their accounts sorted. After 20 minutes of waiting and no new customers being helped I left. I called again on XX/XX/XXXX and after 78 minutes of being on hold finally talked to someone who was acknowledged that not all accounts transferred and they were working on it. On XX/XX/XXXX I went back in to a branch where over the course of 45+ minutes a teller was able to pull up all of my accounts and at least provide me with account # 's even though I still could not access 4 other business accounts, a personal line of credit, a personal money market account, nor a joint account. They took all the information down and said it takes them 3 days to submit the linking of my accounts. The following week I was recovering from XXXX XXXX and watched my accounts. Nothing was linked. The following week I called again and they said they are processing a lot of accounts and it was " only business accounts '' that didn't link. I told them 3 of my personal accounts didn't link either and they had no answer. It is now 1 month from the date of transition and I still do not have access to 4 business accounts and 3 personal accounts and the sum of deposits in these accounts is substantial. To add insult to injury, the PNC representatives go release statements that it is only a very small few accounts that have been effected. I know 11 individuals directly that had BBVA accounts and none of their accounts transferred fully to PNC properly and most of them still do not have resolution. This is an absolute cluster and I can not believe it has been allowed to continue.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I filed a complaint with all 3 credit bureaus, XXXX, XXXX and Equifax to advise the County of XXXX XXXX DCSS ( Child Support ) office the they were not reporting 100 % accurate. In addition, this account appears on my credit report as a " LOAN ''! That is totally wrong! 

CHILD SUPPORT : 15 USC CODE 1681E ( B ) & 15 USC CODE 1681I ( 5 ) FAMILY SUPPORT SERVICES DEPT Partial Acct # XXXX. Status : Open This account is in violation not reporting 100 % accurate. It lists the child support court as the furnisher. That is forgery and misleading when the courts dont report this type of account!
Product: Money transfer, virtual currency, or money service

XXXX XXXX is an app that allows you to invest in digital currency such as bitcoin and other coins. I have had a XXXX XXXX account since about XXXX. In XXXX, I changed my phone number and have not been able to access my account since, due to two-factor authentication. I have repeatedly reached out to XXXX XXXX customer service support team via email and website form since XXXX to update my phone number so that I can access my account. ( Their customer support number is not in service ). Their multiple responses directed me to upload a selfie holding my government issued ID to verify my identity. Once this step was completed, there was no response, no progress, and no update to my current phone number. The latest response to my renewed requested stated that my account was migrated to XXXX ( another investment app ) and the email further directed me to contact XXXX  support team on the email provided. XXXX responded by requesting a selfie with government issued ID as well. Ultimately, XXXX stated that my email could not be found in their system. 

Not only am I not able to access my account, I am legitimately concerned about this because I have submitted the requested verification images on multiple occasions with very little to no support. I hope whomever access to my information only uses it for the purpose it was intended for.
Product: Vehicle loan or lease

I disputed an old vehicle loan that was written off with XXXX multiple times letting them no the collection agency agreed to do a pay for deletion and they did not acknowledge the agreement after I payed the debt in full which is not fair
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying for my Mortgage through Ocwen Loan Services, and it seems my mortgage has been moved to another company called XXXX ( PHH Mortgage Services ) I need PHH Mortgage Services to report my account information and payment history to the 3 major Credit Bureaus.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023 to Experian, XXXX and XXXX. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S code 1681a - Definitions ; rules of construction.

The term investigative consumer report means a consumer report or portion thereof in which information of a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning XXXX such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a credit reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete the investigation.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan and was denied because of credit factors and score. It said i had no score and they cant determine my eligibility due to my credit worthiness. I sent a letter to notify them of their violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account 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 the following 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: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting agencies are running inquirys w/o my consent. Experience at XXXX XXXX CA has been running my credit reporting routinely even twice to three times a month for unknown reasons to me. A wrong social security number has been added on my credit report personal information stated as XXXX. This is incorrect. Credit management services company is posting a balance of {$93.00} this is not my account States the acct was opened on XX/XX/XXXX with XXXX XXXX. We are in XXXX XXXX CA area and charter is not an option in our new place of domicile. A victim fraud altert statement was modified w/o my consent on my XXXX   report adding an unknown number as XXXX and adding a statement to make contact with this unknown number to me each time credit request is submitted, and each time changes are made eff : XX/XX/XXXX. I did NOT ADD THIS STATEMENT TO MY CTEDUT REPORT. IT IS A XXXX XXXX FAMILY WHI IS STALKING & HARASSING ME THEY ARE CON ARTIST AND VERY DANGEROUS. NAMES INVOLVED : XXXX, XXXX, XXXX, XXXX, XXXX ( former leasing agent ), XXXX IM A VICTIM OF HATE CRIMES & THESE PEOPLE ARE TARGETING ME FOR HARASSMENT & FRAMING PLOTS, per OCSD in CA.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. XXXX has issued conflicting and misleading dispute results, violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). 

Discrepancies in Dispute Results I have filed the following disputes regarding this account : 1. Report XXXX. XXXX ( XX/XX/year> ) Marked as verified and updated, despite no evidence being provided to substantiate the accounts validity. 2. Report XXXX. XXXX ( XX/XX/year> ) Also Marked verified and updated, and disputed item not listed on credit report, despite the account being present on my credit report before and after this dispute. The reports for XXXX clearly state that the disputed item was not listed on credit report, which is demonstrably FALSE. This account has never been removed and continues to negatively affect my credit report, making Experians response both inaccurate, misleading and causing me ongoing distress. Misrepresentation in Dispute Results : Reporting that the disputed items were not listed while it remains on my credit report violates the CFPAs prohibition on unfair and deceptive practices. I request that the CFPB take action to ensure XXXX, XXXX, Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

On XX/XX/2024 I submitted for a Hardship Withdraw through the Merrill by Bank of America website. On both the website and the inbound IVR, I was to be contacted if any additional information was needed. I checked the web portal multiple times with no update. I then logged in on XX/XX/2024 to see that the request was denied. There was no advisement as to why, and I was made to call into the call center. I spoke with a Supervisor named XXXX, who was combative, demeaning, and dehumanizing on the call. She advised at first that the document was " incomplete ''. Then when challenged, she stated that they did not " see the landlord information ''. When challenged again, she then stated, " well, there is no phone number ''. 

I then pointed out that it was a Court Document, and that it could not be altered in any manner. I even offered to give the information directly to help expedite the process. She ( XXXX XXXX declined to receive the information. I was repeatedly denied for this claim until XX/XX/2024, when Merrill took a document that was subpar as supporting documents. I was then told I would have to wait for 10 business days for a check that I am being charged to have overnighted. As the funds were needed to stave off Eviction processes, I am now facing homelessness due to the neglect and wrongful processing of the Hardship Claim.
Product: Credit reporting or other personal consumer reports

To : XXXX XXXX XXXX, agents, representatives, & employees I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g and 15 USC 1681 ( e ) B. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THIS ALLEGED DEBT.

VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND EQUIFAX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. 
This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
The original creditor is in noncompliance with the Privacy of Consumer Financial Information Rule of the XXXX XXXX XXXX XXXX for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. This notice makes you are and you are an accomplice.

I request that you provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 
THIS IS A WARNING! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Sincerely, XXXX XXXX I have requested a XXXX form showing cancellation of debt that I have not received. This company also shared my personal information with a third party repossession company without my consent which is illegal according to 15 USC 1681a-2. According to NMLS Consumer Access, this company is not licensed to collect debt in my state or state of residence.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX XXXXXXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a Walmart card that Capital One services. The information on Walmart 's site said in several places that there would be no impact to my credit score. But then they turned around and did a hard inquiry which caused my credit score to go down by 3-4 points ( depending on which company you ask ).
Product: Debt collection

The cell phone that was hacked was purchased from XXXX, this phone was hacked during the XXXX  Data Breach. The Collection Agency : ENHANCE RECOVERY is claiming I open an account with XXXX on XX/XX/20 and never paid on this account. The phone I purchased from XXXX was hacked during the XXXX  Data Breach. I was told by XXXX to bring that phone in and get another, because the insurance I had I could get another and if anything help to it ( and it did, was hacked as well ) I could bring it back within a certain time period at no cost to me, and sure enough the time period did not expire. I returned the phone to XXXX. 

I haven't had any contact with XXXX since the XXXX  Data Breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later i have not received a response yet. I understand the times we are in right now but at this point I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. At this point it has been over 60 days so they should be deleted promptly.
Product: Mortgage

XXXX Loan Process - Lender did not confirm required documentation and have not responded to my request. 
Loan Underwriting - Lender said XXXX days to complete the underwriting. Requested the status of underwriting and did not response for more than XXXX weeks. 
Offer Letter - Lender did not acknowledged my agent 's email writing offer letters.
Product: Vehicle loan or lease

My car was involved in a XXXX XXXX  and my XXXX XXXX XXXXXXXX, XXXX is attempting to get title to the vehicle, as it is in their possession ( it is deemed a XXXX  Loss ). 

Fast forward to XXXX picking up the car only to find out Southeast Toyota Finance had a lien on my title! Southeast Toyota Finance should be ashamed- this is absurd, preposterous, and acting in BAD FAITH! 

My loan was paid in full per the letter dated XX/XX/XXXX : RE : Account Number XXXX Vehicle Description : XXXX XXXX XXXX VIN : XXXX It reads : Dear XXXX XXXX, This letter serves as verification that the account listed above is paid in full, subject to verification of funds. The state of XXXX Department XXXX XXXX XXXX and XXXX XXXX has been notified that we have released our XXXX against the Motor Vehicle. 

The XXXX Department XXXX XXXX XXXX and XXXX XXXX ( the 'Department ' ) will continue to store your title electronically and encourages owners to keep it electronic until the paper title is actually needed. 

... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... ( XXXX continues ) ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 

You see, Southeast Toyota Finance dropped the ball - and by not releasing the lien per the above, acted in XXXX XXXX. 

Thank you for looking into this- I am SURE I AM NOT THE ONLY AFFECTED CUSTOMER! 

NEEDLESS TO SAY I WILL NEVER AGAIN TAKE OUT A LOAN WITH SOUTHEAST TOYOTA FINANCE!! 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my job in 2015 so I put a lot of debt on credit cards. I then enrolled in a debt relief program, XXXX XXXX XXXX, and have paid off of the the credit card debt enrolled. The problem is, my credit has yet to recovery even though Ive paid all my bills ontime and have no bad accounts. 

Were talked below XXXX credit score bad. I really need help with this. Its preventing me to live my life : (
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX DOB : XX/XX/XXXX Dear XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX RE XXXX Remove a late payment I am writing to dispute a late payment reported on my credit report with AFFIRM INC the account number is XXXX, it was opened on XX/XX/XXXX with an original balance of {$440.00}. This information seems incorrect to me, I request that you investigate this matter and remove the late payment from my credit report. Please provide me with an updated credit report reflecting the changes.
Product: Credit reporting or other personal consumer reports

Dear Medical Revenue Service, I am writing to request that you immediately under 15 us code 1692c cease and desist all communications, collection activities and reporting to my consumer report regarding the alleged debt referenced above. This includes, but is not limited to, phone calls, letters, and emails.

I dispute the validity of this debt and assert that I have been improperly contacted by your agency. I request that you provide validation of the debt, including documentation showing the amount of the debt, the original creditor, and any transfer of the debt to your agency. As well as the 1. Chain of Assignments or Chain of Title 2. Date of first Delinquency 3. Date of last payment 4. Amount of last payment Furthermore, I instruct you to remove my name and account information from your database and to notify any credit reporting agencies that the debt is disputed and should not be reported.

Please confirm in writing that you have received this request and will comply with my demands. 

Sincerely, XXXX XXXX
Product: Mortgage

Hello, In XXXX of XXXX, we refinanced our home and had our servicer assigned as Guaranteed Rate. The day we were assigned I reached out about getting and escrow account set up for payment of our taxes/insurance and uploaded copies of our tax/insurance bill to the servicer 's website. I spoke with customer service via chat and via phone and after a month and a half was mailed a letter to open our escrow account. 

I mailed in the initial escrow payment as the letter indicated in XXXX of XXXX and their website showed it was deposited to my account on XX/XX/XXXX. The letter indicated if my initial escrow payment was received prior to XX/XX/XXXX, my updated escrow account and payment would be in effect for my XX/XX/XXXX payment. 

Throughout XXXX, I have reached out to customer service via phone and online chat. I have been told various different responses such as : The website will update soon, I don't see any information about your escrow account, and various different comments that my escrow account would need to be rebalanced even though it already had been at the time of the account being set up. 

As of now, I still show no evidence of my escrow account being set up despite the servicer having my initial deposit and the information on the letter which was mailed to me. Every customer service agent gives different responses and I am not able to even make and additional escrow payment via the website if I wanted to. 

Any assistance would be appreciated. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get information on things that are reporting on my credit file. I decided to enroll in Experian monitoring site so I can get a better idea as to what is reporting. Since the site is run by the bureau I assumed that the information was more accurate than something like XXXX XXXX ( a third party ) reporting site. I received my report directly from Experian on XX/XX/2019 and they removed several things. However two months later those items reappeared without any notice. Since I am getting the information directly from the bureau how can they not report accurate information every month? This is frustrating.