23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On or about XX/XX/year> I had a rep call me after I set up a payment plan and was given false and threatening information also incorrect. I was told I had to have XXXX in by the XXXX or my account was being charged off. I advsd I had a payment plan scheduled for XX/XX/year> she sd I had to have the money in or it would possibly be repossessed or payment in full will be needed. I told her I didn't have that amount but I diod borrow the extra and made the payment to keep it from bein repossessed. I asked her what will happen to my payment plan she wasn't able to give concrete information. So today XX/XX/year> I called because I don't see the payment plan being active and was told that my payment plan was permanently removed and I had to have a payment in by the XXXX day or repo my start but because I have a complaint with cfpb I am protected until the case is closed. I asked for a customer relations rep to assist because the rep on the 30 didnt tell me that I was protected by CFPB and it was ok to let the payment be pulled on XX/XX/year>. She said nothing about me being protected.Now i am stressing out because I can't make another payment right now. I was just on hold with a rep but call disco. No call back as of now
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines, they have been fraudulently placed upon me every since my identity has been compromised. Now these same unauthorized accounts are in ligation. I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} 3. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX 5. XXXX XXXX XXXX Missouri {$6400.00}
Product: Debt collection

This company received a letter dated XXXX XXXX, 2017 from me requesting validation documents for account numbers XXXX. I did not receive any response from this company. I did not receive and validation document ( statement/bill, proof that this debt was assigned to them etc. ) This clearly is a violation of FCRA and FDCPA. Their negligence and none compliance are preventing me to acquire credit. This company is robbing me of my rights which has a great effect on me and my family financially. Attached to this complaint are copies of the letter I sent them last XX/XX/XXXX and the letter I am sending them today XX/XX/XXXX.
Product: Credit card or prepaid card

Today XX/XX/21 was the last day I spoke with XXXX XXXX about a lost reverse payment amount of {$7200.00} and after speaking with Discover Card. Discover card they said XXXX XXXX needs to do an investigation of the lost check with Discover Card and then Discover card would look into this matter. Then I called XXXX who said their Bank Operations Dept said I needed to tell Discover Card to initiate sending documents about what they did with the reverse check. Discover Card said XXXX needed to do this and XXXX said it was against their policy to do anything. I called Discover Card back and after being placed on hold my phone was disconnected. I got the impression Discover Card didn't want to help and just disconnected my phone from them. Both companies to me are really incompetent and don't know how to help their customers. I have been calling XXXX XXXX XXXX and Discover Card to no avail for 3 weeks. Personally I believe both companies are incompetent. I really need help in getting XXXX to credit my {$7200.00} back. Both of these companies are just giving me the run around. Also, XXXX XXXX is not even giving me credit for this mistake and I have a {$5900.00} negative balance and they reported that I was overlimit to XXXX  Discover Card needs to research and find out why XXXX XXXX  didn't receive their return check for {$7200.00}. Both companies have poor customer service depts. I can no longer deal with either company. I need your help. XXXX XXXX
Product: Credit reporting

I tried opening an account with XXXX XXXX an was denied because of something on my credit report. I checked XXXX XXXX, XXXX XXXX, & XXXX. An did n't see anything on there. I would like to know what the issue is an if it can be removed. Thank you an have a great day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

RE : Unreasonable PNC Service fee charges This complaint is the {$2.00} service fee charge for monthly paper statements that PNC charged me even when I specified I wanted only online statements when I opened my account. When I opened a checking account with PNC, I told PNC that I wanted online statements to avoid the {$2.00} service fee. However, two months later, I found that I was charged a {$2.00} service fee for my 'spend ' account and another {$2.00} for my 'reserve ' account. I called up Customer Service and I was told that " that is the way the PNC system is set up : in the first month, the customer will always receive a paper statement and will be charged a {$2.00} service fee on the 'spend ' and 'reserve ' accounts. Why is PNC making me pay for its own inability to fix the system?! I already specified online and they still send a paper statement and then charge me! This is unreasonable and infuriating! And they are making a double killing because a 'spend ' account is tied to a 'reserve ' account and a 'growth ' or savings account. I did not even transfer any money from my 'spend ' account to my 'reserve ' account and I still got charged! 

Please look into this unreasonable and burdensome service charges! This system is so wrong!!!! PNC SHOULD BE FINED AND THE SERVICE CHARGES RETURNED TO CUSTOMERS! WE SHOULD NOT PAY FOR PNC 'S INEFFICIENCY AND INABILITY TO FIX ITS SYSTEM! 

Thank you, XXXX XXXX XXXX PNC client ( XXXX, VA )
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX  XXXX XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX  XXXX. - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX  XXXX. - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 

XXXX XXXX  XXXX. - XX/XX/year> - The following inquiry was not authorized and should not be reporting.
Product: Mortgage

For more than seventeen months, I been trying to obtain a loan mod with my current service Bayview mortgage, I explained and documented my hardship, however, servicer never works with me to find any reasonable solution. Recently my last submission was denied and servicer stated that was no loan mod possible to reduce my current mortgage payment. My intention since almost the beginning was to obtain assistance to bring my mortgage current, and NOT to reduce my mortgage payment ; I insisted on this particular point several times but looks that never it was considered by my servicer. 
My investor is XXXX XXXX, my case was submitted using XXXX XXXX XXXX for accuracy.
Product: Credit card or prepaid card

Been a constant this has been a constant problem since the beginning of XXXX but started near the third quarter of XX/XX/XXXX. Someone made a fraudulent transaction through vendor using my bank account number which I immediately reported to citizens Bank. They were supposed only place a temporary block on vendor XXXX transactions but that was supposed to be at. Since I use vendor frequently, I called to clarify that I don't want it permanently blocked and I requested that they remove the block. That was actually done. Since I am a XXXX veteran, I get paid by the VA on the first of every month. I usually pay all my bills on the first of the month or shortly after. When I paid all my bills on XX/XX/XXXX, everything seemed fine. I've always only had one checking account since XXXX. Then I started to get return payments from every financial institution idea within every company that I pay a bill to. The specifically regards transactions or bill payments made using my ACH number. Every company of course blacklisted my bank account ending in XXXX. XXXX Bank was or the computer system was telling all of these different institutions that my checking account was a nontransaction loan account. That wouldn't make any sense since I have all me always paid all these bills with XXXX checking account ending in XXXX. I called and I explained that logic to all these different financial institutions and all of them eventually re-enabled the checking account ending in XXXX. I actually received a letter from the chairman of XXXX Bank and also a head bank branch manager explaining that it was a fault of an employee on their end. I have a BJ 's credit card administered by commenity bank. They were the only institution that required me to jump through hoops and get all these bank letterhead statements to reenable that account. I have submitted both letters five times and the account ending in XXXX is still blocked. I've spent over XXXX hours dealing with their bank customer service between chat, secure messaging, and phone support. I have fulfilled each and every obligation I had to this bank and jumped through every hoop. Their banking system is utterly incompetent as are there customer service representatives. I have letters from them stating that I will not be charged, reported as delinquent, or have to make payments until all of this is fixed. At least twice a month, I have to both call this bank and talk to them on secure messaging. They are breaking every obligation they have to me and this is gone on for far too long. I need help because they are way out of line. I have all these dates and records to reflect what I'm saying is true. I have no way to attach it to this report.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX
Product: Checking or savings account

It took three calls to get them to close my savings account. 
I'm now trying to close my checking account. I've made 2 calls and mailed one letter to ask for my account to be closed. They claim there's an error in the system and they can not complete my request.
Product: Credit card or prepaid card

XX/XX/2021 American Express XXXX XXXX XXXX XXXX XXXX UT XXXX REF : XXXX XXXX XXXX XXXX XXXX American Express Card. 
Denied my lawful right to obtain credit me being the Consumer ( 15 USC 1692c ( d ) ) and Original Creditor, A Natural Person I invoke my consumer rights pursuant to title 15 chapter 41 Violation of the FCRA Fair Credit Reporting Act the banking system is dependent on fair and accurate practices. 
my credit report is inaccurate. 
TILA Truth in Lending Act 5-29-1968 CCPA Consumer Credit Protection Act ECOA Equal Credit Opportunity Act prohibits discrimination ( 15 USC 1691 ) 15 USC 1602 ( f ) Credit is the right granted by me to a debtor to defer payment. 
15 USC 1692e 15 USC 1681a ( 4 ) Consumer Privacy is violated 15 USC 41-58 FTC Federal Trade Commission prevents unfair practices, unfair and deceptive The FICO is not mentioned in the FCRA The Consumer Reporting Agency is Fraudulent and obtaining my private information without my consent is unlawful Using XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 15 USC 1637 Open Ended Consumer Credit Plan on this Consumer Credit Transaction 15 USC 1692 Me the Consumer is being taken advantage by the agency using abusive practices, and inadequacy of the consumer protection law. 
15 USC 1681n Civil Liability for willfull Non compliance obtaining my consumer report under false pretenses, knowingly without permissible purpose. 
{$1000.00} per violation 15 USC 1963k Civil Liability 15 USC 1640 Civil Liability {$5000.00} consumer Credit Plan 15 USC 1681e ( b ) Compliance Procedure and accuracy of report 15 USC 1681b Permissible Purpose I never gave written Instruction to furnish my consumer report. 


I never Granted Permission for any agency to furnish my information in the first place. 
I extended my credit in exchange for the XXXX XXXX XXXX XXXX American Express Card Fraud on the behalf of the Consumer Report Agencies for violation my Consumer Rights for furnishing my information with out my permission I choose to invoke my right as a consumer I am a Natural Person
Product: Credit reporting, credit repair services, or other personal consumer reports

Made several calls XX/XX/XXXX and XX/XX/XXXX that went no where to assist in removing the account. 
Couldn't get an actual person on the phone to describe my issues and assist. One person would route me to another number then that number would send me to another company but nothing can get resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for almost 8 months now and all I want is to have this account removed from my credit report. XXXX  XXXX  XXXX  Account Number: XXXX****: I have tried to fix this problem multiple times and told them to validate this account and they have failed to do so. The credit bureaus would respond saying that the creditors have verified that the account is accurate which is not. They did not even provide documents to prove that this account is valid.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the company has violated my rights. Under 15 U.S.Code 1681 section 602 states I have a right to privacy. Also, under 15 U.S.Code 1681 section 604-2, a consumer reporting agency can not furnish an account without my written instructions. Without my consent, it means identity theft. As you may know, according to 15 U.S.Code 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. Continuing to furnish such information is a direct violation of the Fair Credit Reporting Act and all parties involved will be held liable for this misconduct. Failing to comply with the Fair Credit Reporting Act results in immediate deletion of the disputed information.
Product: Debt collection

JH Portfolio Debt Equities showed up on my credit report claiming I owe them {$3500.00} on an acct opened XX/XX/XXXX. I do not know who they are. I have never signed a contract with them. I, as a XXXX senior citizen living on social security am signed up with XXXX, a nonprofit law firm that helps people like myself. I forwarded the information to XXXX and they sent a letter to JH Portfolio on XX/XX/XXXX telling them that I was poor, elderly and lived on exempt funds. In response, the next thing my caregiver noticed on my credit report was that JH Portfolio said I disputed the debt but it was verified according to FDCRA. What nonexistent dispute did they verify? Very untruthful people, I still don't know why they claim I owe them money. Anyone and everyone who contacts me about finances gets referred to XXXX, for years now. So, if JH Portfolio allegedly bought a financial transaction acct about me the information about my exempt social security status should have been in the paperwork. ( See attached paperwork from XXXX with notification to businesses to let folks know you can not squeeze blood from a turnip.Now they are threatening litigation which is only to exacerbate my health problems.and cause XXXX XXXX ( sp? ) I may be poor, elderly, XXXX and even uneducated, but I will not be a victim of their unethical behavior. I have voted in every presidential election for the last 40 years, and I know that as a United States senior citizen, I have protection under the laws of this great country.
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I sent a letter regarding inaccurate and unknown things on my credit report. This day over 60 days later I have not yet received a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Debt collection

Repeated phone calls for debt collection when I have no debt whatsoever
Product: Student loan

On XX/XX/XXXX, Discover Student Loans put my student  loan in repayment, despite the letters I sent ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), through its secure message application, reporting that my account should not go into repayment because I am a XXXX student, and will remain under this status until my graduation, expected either in XX/XX/XXXX or XX/XX/XXXX. 

On XX/XX/XXXX, I am receiving a letter reporting that my student  account has been delinquent for 9 nine days, and informing me that it will be reported to the consumer reporting agencies. The letter also asks me to pay the monthly payment of {$640.00}, and my student  account online comes up with late payment. amount of 2 x {$640.00} = {$1200.00}. 

No matter what I explain to Discover Student Loan, I keep having representatives pretending that they base their decision on the report from my school, which is just inaccurate because I am enrolled XXXX 

I am therefore requesting action from the Consumer Financial Protection Bureau to get the current action from Discover Student Loan suspended, have the status of my student  loan account reversed to " in school  '' as it should be, and get an explanation from Discover Student Loan.
Product: Debt collection

In XX/XX/XXXX I received a notice from BCA Financial Services , Inc. advising I owed a debt in the amount of {$56.00} due to an unpaid bill with XXXX XXXX XXXX XXXX as of XX/XX/XXXX. I reviewed my records and found that in the year XXXX I only received two invoices from XXXX XXXX XXXX XXXX for the amount of {$56.00}, and both of those invoices were paid. At that time I wrote a letter to BCA Financial Services , Inc. formally disputing the debt and providing them with copies of all invoices I had received, the cashed checks showing the debt was paid, and demanding they investigate the debt to verify that it was actually owed. I sent this letter to them via Certified Mail, and confirmed delivery. I also sent a copy to XXXX XXXX XXXX XXXX. Upon doing this, it is my understanding they are legally prohibited from trying to collect this debt until they furnish proof that it is owed. 

In XX/XX/XXXX I spoke to BCA Financial Services , Inc. on the telephone and they advised me they were will researching if the debt in the amount of {$56.00} was owed.

I never received a formal response from them providing they verified this debt was owed.

Today, I received another letter in the mail from BCA Financial Services , Inc. citing that same debt of {$56.00}. It is a violation of my rights for them to try and collect on a debt I have formally disputed without furnishing proof it is owed.

Attached please find copies of all correspondence from BCA Financial Services, to BCA Financial Services, and copies of medical invoices and cashed checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX dispute with the CFPB and XXXX XXXX did not resolve my issue. The complaint was closed out. But they did provide me with documentation regarding the loan in question. The documents that they provided me do not match what they are reporting to the credit bureau. The amount being reported is {$7200.00}. Please remove this inaccurate information ASAP as pursuant to FCRA that my credit report must have accurate information at all times. Please have XXXX  XXXX provide the documentation that verifies and matches the exact balance that is being reported. 

Acct. XXXX