23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

IN XXXX I APPLIED FOR AN ACCOUNT AT PNC BANK WHICH THEY GRANTED ME AND THEN A FEW DAYS LATER, I GOT A NOTICE THAT THEY WERE CLOSING THE ACCOUNT. THEN AGAIN IN XXXX XXXX MY WIFE TALKED ME INTO JOINING HER BANK ( PNC ) SO WE COULD BANK TOGETHER. SO NOW I HAVE A BACK ACCOUNT THROUGH AND CREDIT CARD THROUGH PNC WITH MY WIFE AS THE MAIN HOLDER. I THOUGHT THAT MAYBE IT WAS JUST A PROBLEM WITH THEIR INITIAL PAPER WORK AS FOR THE REASON THAT I WAS DENIED THE FIRST TIME, SO MY WIFE AND I WENT TO THE LOCAL BRANCH AND OPENED UP A XXXX ACCOUNT TO KEEP TRACK OF SPENDING AND CREATE A BUDGET. THE BRANCH MANAGER XXXX SAID WE WERE GOOD CANDIDATES AND OPENED UP XXXX. 3 DAYS WENT PAST AND THE XXXX ACCOUNT WAS CLOSED. THE BACK MANAGER SAID THERE IS A REPORT ABOUT ME SOMEWHERE IN PNC THAT SAYS I 'M A RISK AND SAID SOME ONE FROM CORPORATE WILL CALL ME IN A FEW DAYS. AFTER A WEEK WENT BY XXXX XXXX CALLED ME AND SAID I WOULD HAVE TO CLEAR UP THE ISSUE WITH XXXX AND GAVE ME THE XXXX NUMBER. I CONTACTED XXXX AND GOT MY REPORT. THE REPORT XXXX SENT ME IS SPOTLESS WITH NO ISSUES ON IT. SO I BROUGHT THIS INTO THE BACK WITH MY CREDIT REPORT FROM XXXX AND XXXX AND SHOWED THE MANAGER. HE SAID THAT SOMETHING IS N'T RIGHT BECAUSE MY HISTORY WITH THEM SAYS I DO N'T OWE THEM ANYTHING AND THEY ARE ALSO AN INSTITUTION IN GOOD STANDING ON MY CREDIT WHICH SHOWS NO NEGATIVE ITEMS. BUT PNC STILL DENIES ME ACCESS TO THERE XXXX. THEY CAN HOLD XXXX OF MY MONEY AND COLLECT INTEREST ON A CREDIT CARD, BUT WONT GIVE ME ACCESS TO A SOFTWARE PROGRAM SO I CAN KEEP A BUDGET. I WORKED HARD TO HAVE GOOD CREDIT AND SAVED TO BUY A HOUSE. XXXX AND MY CREDIT REPORT COLLABORATE THIS. I HAVE BEEN TALKING BACK AND FORTH WITH A CORPORATE OFFICER ( XXXX XXXX # XXXX ) FOR A FEW MONTHS NOW AND I GET THE RUNAROUND. THE PERSON TO GIVE YOU ACCESS WILL BE IN NEXT WEEK ILL CALL YOU THEN AND NO CALL. THAT TYPE OF THING. IT IS UNCLEAR WHY THEY DENIE ME ACCESS TO A PUBLIC SERVICE AND WONT GIVE ME ANYMORE ROUTES TO CLEAR UP THEIR MISTAKE. I HAVE XXXX AND HAVE BANKED WITH MULTIPLE BANKS, PNC IS THE ONLY INSTITUTION WITH A PROBLEM. MY WIFE IS A XXXX, HAS HER DIRECT DEPOSIT AND ONLINE BANKING THROUGH PNC AND WISHES TO REMAIN BANKING THROUGH PNC. I WOULD LIKE TO HAVE THIS BLEMISH ON THEIR PRIVATE REPORT CLEARED UP AND ACCESS TO XXXX SO I DO N'T HAVE TO GO BUY A SOFTWARE PROGRAM FOR {$150.00} DOLLARS. 

THANK YOU XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have received XXXX notices from this company called Debt Recovery SolutionsLLC. 

I was informed through the letter that they had bought my account with a bill from XXXX with a bill of some amount of money. i didnt take action. They sent me another letter later that is shown through the attachment. They asked me for about {$340.00}. I called them and before they asked me to say my last XXXX digits of ssn, they said my last XXXX digits and asked me if it was correct. After i asked a few questions i hung up and started to have suspicion because of few reasons. 

1. I was a XXXX customer but right now when i received the letter i am a XXXX customer and i had payed off the rest of the bill. 

2. It was weird they knew my last XXXX digits of ssn even before i said it. 

3. I had businees with XXXX NOT XXXX. I didnt ever owe anything to that company. 

4. When i called them and told them that i would report them they threatened me about my credit score.
Product: Mortgage

I became unemployed and took a forbearance with my mortgage company Loan Care. I came back to work in XXXX and by XXXX was ready to resume payments starting in XXXX for concern of the amount owed. I was assured I would not lose my home and was given information about a deferment and placing the owed amount on the back of my loan. They were supposed to reach out and never did. I called back numerous times, each time receiving different information. I was told a deferment was not an option for me and that a supervisor would call. I have called each month trying to get accurate information until I called once again in XXXX and was told I needed to submit a mortgage assistance application. I have and they have since given me the run around and made me provide tax information for XXXX and XXXX, which have nothing to do with COVID or unemployment. I called again Friday XX/XX/XXXX and they made me print the return and sign and date it and then fax it. I had already emailed them PDF copies but the representative stated they needed proof from me it was real with a signature and date. I told the representative due to the COVID relief package my mortgage is able to move the amount on the back of the loan and he stated they are the ones that make that decision. I let them know they are not above the law and I know my rights and will seek a lawyer if need be. The way this company is treating someone who has been trying to pay since XXXX is not okay and they need to be addressed for the added stress of the process of doing things " their '' way.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have found several accounts that are fraudulent, I would like to delete these accounts since this greatly affects my ability to obtain credit, please I need to delete this fraudulent information
Product: Credit reporting

i have a fraud alert placed on my Equifax credit file that i have no knowledge about. I disputed the alert with them and was told that my file has no freeze or alert on it when it fact it does. I pulled my credit file today and i attached proof of my complaint
Product: Credit card or prepaid card

I am trying to get copies of my Kohls billing statements for the past three months to see if they are correct as to purchases and returns. I was enrolled in paperless however, when I try to view statements on website I am not able to get to them. I called customer service number and did an online chat with customer service and they have not provided any assistance speaking to three people for over an hour. 

Further, I have two very large store credit gift cards from returning a purchase without a receipt ( which is allowed ) and they accepted the return giving me the lowest sale price. These are never supposed to expire and when I went to use it they were zeroed out. I called several times to resolve and the last time I spoke to someone at corporate I was told it was a loss to the store because some items I used kohls cash. So essentially, I paid for the returned items and did not get my money back. I asked to get copies or review statements to prove I made purchases earning the Kohls cash and regardless whether it was a store credit that I received when returning they gave me the lowest sale price and then essentially gave me nothing and kept the items I had returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting my birthday inaccurate as XX/XX/XXXX. My correct birthday is XX/XX/XXXX
Product: Debt collection

I arrange a payment be done with my Visa for a carpet cleaning debt with XXXX from 2008 They have not charged my card but dealing with an XXXX XXXX XXXX This company with band XXXX XXXX from XXXX keeps calling and harassing my mother, stepfather, my brother, my brother wife and discussing this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX did not approve the XXXX XXXX that I purchase when buying the car this was the reason for giving back the car. I had contacted numerous times to receive help and none was given. I took the car to 2 different mechanics and XXXX XXXX did not approve but said they would when they received an estimate/ they never approved or replied about the warranty or estimates that were sent. They also told me they had sent out a check for the repairs which was a lie and deceitful.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  I received my consumer report and seen many inaccuracies. Lets start with the spelling go my name and to update to my current address. See Attachment for proof I asked the credit reporting agencies to update my personal info.
Product: Credit reporting or other personal consumer reports

A balance of {$850.00} was previously Deleted from my credit profile from CCS Credit collection Services Agency. Back from XX/XX/2020 was reinserted without prior authorization, and written notice to reinvestigate, per 15 U.S code : 1681i
Product: Student loan

I am a first time XXXX XXXX in my family. When attending I wasnt educated enough o know about loans. XXXX XXXX issued my initial loan. When it came time for repayment I couldnt afford the {$500.00} a month they were requiring and asked for a income based repayment plan given I work in education and hadnt at the time been able to secure a full time teaching position. They refused and for months threatened to take my family and I to court. When speaking to reps on the phone they would even acknowledge being a daily substitute wasnt full time employment but would provide no relief. 

Finally, we said take us to court as I didnt have any other option. They then said we displayed a need and put me in a repayment program. A few years later I learned from a colleague about the loan forgiveness program for educators. At the time I had direct loans and private separately. I was denied entry into the program because they stated my loans werent in the correct plan. I re-applied 3x and was denied each time. I should add I was put into variable interest loans that had risen to between 11-13 % for the various loans I held. I wasnt able to pay more but the loan forgiveness told me Id have to pay {$600.00} just for the federal loans and I couldnt afford to pay more for the private loans on top of that. 

My loans then became serviced through Navient. During the pandemic I continued paying even and again tried but was denied entry to the program saying Id need to start over none of my payments would count. At this time I was trying to get my finances in order to purchase a home and saw no other way than to consolidate my loans into one payment plan with a fixed interest rate. When the forgiveness program was overthrown I reached out again and was told I still didnt qualify because at this time Id consolidated despite the fact I told them Id been previously denied and that my consolidation company is Mohela . 

I hope you can help me. I feel very robbed because I didnt know enough and despite having worked in the education field full time now for XXXX I am not receiving the support I should have. I have paid faithfully for about XXXX now and should have had my loans paid off at this point if not for the variable interest loans and horrible tactics of those companies. I currently owe $ XXXX and pay {$640.00} a month, which is really high. At this point anything that can remedy the prior actions of those companies I would greatly appreciate. I see these articles about XXXX XXXX and XXXX  but Ive not received anything from these settlements. 

When I took out the consolidation loan in 2020, I still owed around $ XXXX despite the fact Id been paying hundreds for years prior. My payments were only going to interest. When I finished college I owed $ XXXX initially so years later I hadnt getting anywhere. Prior to consolidating I was paying about {$600.00} a month. Since consolidation Ive been able to make an impact but I should be paid off at this point. Id it werent for fraudulent activity Id have been able to make more of a dent and have qualified for the education forgiveness program given that is my profession. 

Please help!
Product: Debt collection

Equifax should have never had a collections report from Get it Straight Orthodontics! My XXXX Early treatment was paid in full after work was done! When work was done and paid in full! I asked for an XXXX XXXX paid in full of what was paid and insurance received by me on XX/XX/XXXX and also I asked to received a XXXX from a Doctor in XX/XX/XXXX! Please what I would like to have happen is for Equifax to immediately take this off my credit report and deleted from my credit report! Also having a mistake/ False accusation on my credit report has been damaging! It is not accurate!
Product: Debt collection

This company has a very large name 's list for collection purposes, such as Resurgent, LVNV Funding LLC or XXXX XXXX XXXX to attack the U.S. population. They buy debts not able to be sold by Original alleged creditor and then start the attacking tactics avoiding all kind of validation of said debt. Then they report to the credit bureaus HOPING this will make the U.S. Population to pay a debt that is illegal to collect to begin with. They also hope for the derogatory mark to stick, but it won't. I'm not the one to play with. 

XXXX try to collect these alleged debt by sending emails ( XXXX to be exact ) is the name that comes up on the emails. Then they act like they are the legitimate creditor just because they paid XXXX  over XXXX  from the alleged original creditor. Such of pile. 

This account was open as result of identity theft and they need to STOP trying to collect on it because I WILL NEVER pay them. They can take screenshot, record, do whatever the XXXX  they want and then sue me to try to make me pay. Baby, You will never collect a XXXX  and this is a promise I will keep. 

You can't come at me and try to make me pay a debt you bought yesterday. You need more than that. Maybe the XXXX, or XXXX  behind their keyboard will get mad enough and retaliate, XXXX. I'm counting on a reaction. I will contact every single federal and state agency and dispute this alleged debt, if this debt stays on my credit file you will have a dispute every other day on your desk from every single agency until you drop it or finally get sued by me.
Product: Checking or savings account

My name is XXXX XXXX I deposit check XXXX cent XX/XX/22 and this is check send me labor department ( US ) and he hold I have to pay my balance
Product: Credit reporting or other personal consumer reports

I have disputed the validity of reported late payments multiple time requesting that I be sent actual physical proof such as a bank statement proving that I have been indeed late making payment. To date no actual physical proof has been provided. The credit bureaus will continuously " update '' the information on my credit report and have not removed the negative remarks stating that my accounts have been late at least once. They absolutely refuse to send the proof they are required to send if in fact they are doing an actual investigation which is a clear violation of my FCRA rights; According to FCRA rules 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] - ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 602 [ 15 U.S.C. 1666 ] - a creditor may not treat a payment as late for an open ended credit account for any purpose. I have submitted disputes on the following dates ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. As you see I have more than done my due diligence in communicating the credit bureaus XXXX, Experian, and XXXX on this matter and they absolutely refuse to delete the negative remarks on the accounts that they are reporting I allegedly paid late.
Product: Credit reporting or other personal consumer reports

Accounts- XXXX XXXX XXXXXXXX XX/XX/XXXX {$3100.00} Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called equivalence to have account removed from credit report citing violations pertaining to my consent and privacy Siting these US Codes Title 15 Chapter 41 1681b Permissable Purpose Title 16 Chapter 94 I was like accounts removed from my credit report. 

XXXX and Transunion acted fraudulently and on my behalf and I did not knowingly consent to these partial practices as they are violations of my consumer rights
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of late payments from my credit report. Upon reviewing my credit history, I noticed that late payments have been inaccurately reported, negatively impacting my credit score. 

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 166B, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Furthermore, under the Fair Credit Billing Act ( FCBA ), creditors are obligated to provide accurate billing statements and properly investigate any disputes raised by consumers. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I would like to bring to your attention that the reported late payments are in violation of these consumer protection laws. The inaccuracies in my credit report have caused undue financial harm and have hindered my ability to access credit on favorable terms. 

I kindly request that you conduct a thorough investigation into this matter and promptly remove the inaccurate late payments from my credit report. I have enclosed copies of supporting documents that attest to the erroneous reporting. 
I appreciate your prompt attention to this matter and expect a timely resolution in accordance with federal consumer protection laws. 
Thank you for your cooperation. 

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

Letters was sent to Equifax, XXXX and, XXXXXXXX on XX/XX/2019 and XX/XX/2019 and requesting validation of debt and verification of unauthorized credit inquiries. In my request for validation, I reminded XXXX that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to The Credit Bureaus n to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, XXXX has not provided me with verifiable proof or copies of the documents used to validate this debt or document showing permissible purpose for the credit inquiries The Credit Reporting Agencies are reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Complaint Against XXXX XXXX XXXX Account No. XXXX To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). 

XXXX XXXX XXXX has continued to communicate with me regarding the alleged debt associated with Account No. XXXX, despite my explicit written request that all communication cease. I sent a cease-and-desist letter to XXXX XXXX XXXX on [ date you sent the letter ], requesting that they stop all forms of communication with me regarding this matter, except to provide written validation of the debt or to notify me of specific legal remedies they intended to pursue. 

Despite my request, XXXX XXXX XXXX has continued to contact me, violating federal law. In addition, I am disputing the validity of the debt and have requested : 1. Written validation of the alleged debt, including an itemized accounting of the amount claimed. 
2. Documentation proving XXXX XXXX XXXX legal authority to collect this debt. 

To date, XXXX XXXX XXXX has failed to provide the requested validation and continues to engage in collection activity. Their actions are causing undue stress and are in direct violation of 15 U.S.C. 1692c ( c ) of the FDCPA.

Requested Resolution : 1. I request that the CFPB investigate XXXX XXXX XXXX practices and ensure compliance with federal law. 
2. XXXX XXXX XXXX should provide the requested written validation of the alleged debt and cease any further communication with me unless it complies with FDCPA requirements. 
3. Any violations of federal law by XXXX XXXX XXXX should be addressed with appropriate penalties or enforcement action. 


Thank you for your assistance in resolving this matter. Please feel free to contact me if additional information is required. 

Sincerely, XXXX XXXX XXXX XXXX Submission Instructions : 1. Submit the letter via the CFPBs online portal ( https : //www.consumerfinance.gov/complaint/ ) or mail it to their address. 
2. Include copies of supporting documents, such as the certified mail receipt of your cease-and-desist letter and any correspondence from XXXX XXXX XXXX. 
3. Retain a copy of the complaint for your records. 

Let me know if you need further assistance!
Product: Credit reporting, credit repair services, or other personal consumer reports

WEB SITE BROKEN. PLEASE DO NOT SEND ANOTHER PAPER REPORT. I WANT A DIGITAL REPORT.
Product: Credit card

am writing to file a complaint regarding a closed account with Discover Bank that remains on my credit report. While I understand that closed accounts may stay on a report for a certain period, I believe that this particular account should be removed due to negligence and wrong information reporting on my file, also identity theft