23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This account has been in collection on my account for years and has never sent anything indicating this debt is mine, yet keeps this account on my report. This debt is not valid and this company has violated all laws. Account was reported stolen identity. This collection should be removed within 48 hours from all credit bureaus. My information has been compromised and email accounts have been hacked. I am part of the data breach investigation claim.
Product: Mortgage

I have a 20 year conventional mortgage that is being serviced by PNC Mortgage. I wanted to make an extra, principal-only payment on my mortgage, of {$30000.00}. I logged in to my PNC Mortgage account, and found an option to make a payment. But, there was no option to make a principal-only payment. In the small print, it says " How is the Payment Amount applied to my mortgage? ". When I click on it, it says, " Funds received will be applied to principal, interest and escrow ( if applicable ), satisfying as many full monthly payments as possible. Additional funds received will be applied to outstanding fees and then to additional principal if your loan is current. '' I think this is completely wrong, that they do not give you an option to make a principal only payment, and that they automatically just make as many monthly payments as they are able to with the extra funds. This benefits the bank, and costs the consumer, because the consumer ends up paying much more in interest than they otherwise would. 

I suspect that most consumers do not realize the difference that making an extra payment, to PRINCIPAL ONLY, can make to their equity and how it reduces the interest over the life of the loan. 

I called PNC Mortgage to see if there was a way to make a principal only payment online, and I was told that there is not a way to do that. So, I ended up mailing a check, and wrote all over the check " PRINCIPAL ONLY '', so hopefully it is applied properly. It has not cleared yet.
Product: Prepaid card

sent {$75.00} to XXXX XXXX  on cashapp for XXXX weights to be delivered to my house. its been two months & still no product, or refund offer that i was literally begged for. bought the weights on their website XXXX i never heard of that site so i shouldve known it was a scam but i did it anyway. never got the products i paid for or a refund for them.
Product: Student loan

I called Navient on or around XX/XX/XXXX and spoke to a gentleman in the private student loan department about lowering my monthly payment because it has been a financial struggle for me to pay almost {$800.00} a month in student loan payments ( which is half of what my mortgage is for my house! ) I explained the situation to the person on the phone who proceeded to tell me that I may be eligible to lower the payment if I extend the repayment terms out to lower my payment. Upon checking, he said my loans were not eligible for this but had no explanation as to why they were not eligible. So I asked him what should I do if there comes a time where I ca n't make payments at all? Im supposed to let my loans go into default? I asked him what other people do who can not make payments and he said that they basically have to let their loan default and ruin their credit. How is this fair to people who want to actually pay their loan, but are just asking for affordable payments? It 's absolutely absurd and I think they should have better repayment options for private student loan holders.
Product: Credit card or prepaid card

My wallet was stolen towards the end of XX/XX/2022. I was in a middle of a military mission stationed in XXXX XXXX so by the time I had computer access and phone access for a long enough time, I saw that my Discover Card had fraudulent charges on it. I opened up a dispute with Discover in XX/XX/2022 and they claim that there was no fraud. I reopened the investigation and sent them the military police report and they still claimed no fraud. I asked for more information, proof of investigation, or what else they will need from me to prove that I did not make those charges and they did not give me anything.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to 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

On XX/XX/2020, I C SYSTEM INC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA I C SYSTEM INC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

About a month ago, I received an unexpected package from TD Bank XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The package contained two packs of checks numbers began with XXXX. 

I took the package to the local TD Bank branch and explained that I never opened an account or requested checks from TD Bank. They asked me to share some personal information and looked up the account on their system. Told me I might be a victim of identity theft and to place my CRA account on hold with the three Credit Reporting Bureaus. 

Yesterday, I received another identical packet of checks with the same check numbers, deposit slips and check register and a message to " Go ahead, grab a pen. '' " These checks are all yours. '' Obviously TD Bank failed to manage my complaint properly or I would not have received a second set of checks. I would like them to investigate their procedures when circumstances like this occur and modify their procedures so this doesn't occur again. 

Thank you for giving me a voice and helping me with this issue. It is great to know our government has the ability to help its citizens, like me when the financial companies really have little motivation without your influence. 

Thank XXXX ( and some politicians ) we have an Consumer Financial Protection Bureau that once again understands their priority is to serve consumers ' not the industry. 

Best Regards. 

XXXX
Product: Prepaid card

I bought an Incomm Vanilla Visa gift card at XXXX XXXX, upon trying to use it first time, it's failed. I tried to check the balance online, and the card was not recognized. 
I called customer service on XX/XX/year> and they asked me to submit the following documents : XXXX. Copy of a driver license XXXX front and back of the gift card XXXX receipt from the store, I provided everything right away to the email specified : XXXX They told me to wait XXXX hours, I haven't heard from them ever since. I tried calling multiple times, and they still said to wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect XXXX XXXX, XXXX XXXX Consumer Relations Specialist, in retaliation to an angry email I sent her, has fraudulently reported to  the credit agencies that I owe {>= $1,000,000} extra on my mortgage. If it was not her, I suspect she still had a hand in this fraudulent reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I notified XXXX, Trans Union and XXXX  of a Charge off that has been on my account past the statue of limitations. They have taken no action and the charge is still on my credit report. The charge off in question is from XXXX XXXX XXXX Account # XXXX Amount XXXX with a charge off date of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

ORIGINAL COMPLAINT XXXX I REQUESTED YOU STOP ADDING REMARKS AND REMOVE ANY UNNECESSARY REMARKS AND YOU HAVE READDED THE SAME REMARKS TO MY XXXX CARD!!!!!!!!!!!!!!!! I AM APPLYING FOR A LOAN SOON AND I NEED MY CREDIT REPORT CLEAN! XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX XXXX : XXXX XXXX XXXX, XXXX, GA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. I am asking the dispute comment to be removed from the following items : XXXX BANK XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. Truly, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX credit reporting agencies on Monday XXXX XXXX XXXX and spoke with multiple representatives which was on a recorded line courtesy of XXXX, TransUnion, XXXX speaking about how I have a right to privacy as a consumer to have the information removed that inaccurate and unfair to me as a consumer. The information that was requested to be removed from the report is the XXXX XXXX in the amount of {$390.00} closed account also XXXX XXXX in the amount of {$930.00} closed account when I was denied assistance and my consumer rights were violated. Also, this is not an investigative consumer report, the personal info portion of this report my character, general reputation, personal characteristics, or mode of living is not obtained through personal interviews with neighbors, friends, or associates of mine who may have knowledge concerning any such items of information. The confidentiality, accuracy, relevancy and the proper utilization of my consumer report is not meeting my needs as a consumer. Before taking any adverse action and furnishing anything on my consumer report based on a part of my report XXXX, Transunion, XXXX is supposed to provide the consumer a copy of that report and a description in writing of the rights of the consumer which is me and I have not received such documentary evidence making sure this information is accurate, fair and suitable for me as the consumer. I have gotten in contact with XXXX XXXX also XXXX XXXX in relation to this inaccurate information which they will no longer report to the reporting agencies in the connection of collecting a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX,
Product: Credit card or prepaid card

I applied for a Bank of America credit card on XX/XX/XXXX to initiate balance transfer from my XXXX XXXX XXXX and was immediately approved by Bank of America. 
After getting approved for the Bank of America credit card, I set up the mobile banking app. A couple days later, on XX/XX/XXXX, I tried signing into the Bank of America mobile banking app and it wouldn't let me proceed, stating that my account was flagged for fraud, which came as a surprise since I didn't have the physical card yet and had yet to even utilize the account, nor had my balance transfer been initiated. When I called their customer service phone number, they wouldn't provide me with any information and said that I have to visit a physical branch location to resolve the issue. I was finally able to schedule an appointment and visit a branch location on XX/XX/XXXX, where the only issue was that they needed two forms of my ID to verify I was the one applying for an account - it would have been incredibly helpful if they could have disclosed this over the phone and prevented all the stress. After presenting my ID 's to them, my mobile account was unlocked, but the balance transfer still had not been initiated. 
Due to the delay in the balance transfer, I decided to take funds from my personal savings account and instead paid off the balance I was trying to transfer that was on my XXXX XXXX XXXX. I paid off this balance in full on my XXXX XXXX  on XX/XX/XXXX. I called Bank of America to advise them to cancel the balance transfer since I already made the payment and they advised me that that wouldn't be possible since the transaction was pending, they advised me to then contact XXXX to see if they would be able to cancel the transaction on their end. I called XXXX, and they were not able to cancel the transaction either. The Bank of America balance transfer was FINALLY initiated on XX/XX/XXXX and I was charged a balance transfer fee of 3 %. Since then I have called Bank of America several times asking for the transfer fee to be waived since it was an inaccurate charge and they denied my dispute of having the fee removing, and have further stated there is nothing they can do about it. For the 3 % fee, I was charged {$420.00} that was wrongfully taken from me and I did all that I could to prevent this from happening. I have paid off the entirety of the balance that Bank of America transferred ( which they shouldn't have transferred as it caused XXXX to have to write me a check for that amount ). However, I have not paid for the balance transfer fee of {$420.00} as I feel I do not owe this amount and I desperately need help getting these funds back.
Product: Mortgage

I paid XXXX Servicing, {$100.00} for an appraisal in XX/XX/XXXX, for a PMI removal, my loan was then transferred to Select Portfolio Servicing, in XX/XX/XXXX, I have been trying remove PMI since XX/XX/XXXX with SPS, however SPS is requesting I pay for another appraisal, I already paid XXXX an appraisal, I do n't under why I have to pay for another XXXX. I sent in proof that I paid for an appraisal.
Product: Money transfer, virtual currency, or money service

I am trying to connect my personal banking info to a trade platform and the attached picture is the error I received. 

Why is this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Is reporting opened but its closed and revolving account XXXX XXXX, XX/XX/XXXX balance unknown XXXX XXXX XX/XX/XXXX is reporting open and revolving but is closed balance unknown XXXX XXXX XXXX XXXX  XXXX XXXX is reporting opened and revolving but its closed balance unknown Inquiries : XXXX XXXX. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bank XXXX reporting delinquent.
Product: Credit reporting or other personal consumer reports

I am requesting a copy of my consumer file from XXXX and SageStream. My name is XXXX XXXX XXXX, my date of birth is XX/XX/year>, and my social security number is XXXX. I am requesting my name and address be updated immediately to reflect XXXX XXXX XXXX and my address is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XX/XX/XXXXand I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Debt collection

I already paid this debt off directly with XXXX back in XX/XX/2022. I am not quite sure why they sold it to you. 

Amount : {$780.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 DPT ED/XXXX XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Product: Checking or savings account

US BANK XXXX XXXX XXXX XXXX Wisconsin. 
The XXXX day of XX/XX/2024 my debit card is declined. I called the XXXX # and they said your accounts are being closed, you will receive a check for the balance of your accounts. That was it, they wouldnt tell me why the accounts ( 4 ) were being closed but that a letter would be mailed. The letter that came didnt say anything either. Mind you, all of my money was in those accounts, they wouldnt let me have access to them. I couldnt pay my bills. I called and called, each time getting the run around when I would get my money because they did this to me, theyve ruined my life, its almost three months now and they are refusing to close the account oh yes, but will not give me my money. Thanks so much US bank, you took away my life, cant explain why and still wont give me my money. Now in addition to this, I had other checking accounts and bills went through them which cause them to be overdrawn but they refused to let me transfer money or deposit money into them because they were being closed. Now these checking account are charged off which has affected my credit greatly. All of this, I may never recover because the rolling domino effect of not being able to make other payments. Also, the credit card I had with them, they told me on that initial call that my accounts including my credit card would be paid with the funds remaining in my checking. They didnt do that and sent my credit card to collections with negative payments on my credit. 
At several times during this circus, US bank said I did not nor have I ever had an account with them. 
Just nuts. 

I talk to XXXX different people across the XXXX XXXX  system today. I went ahead and filed a police report as they have technically stolen my money whomever wants to laugh at that can but they took it and wont give it back. When I told the branch manager this today, all of the sudden she was able to contact the district manager and this whole things is over the money being deposited into my account.. they needed proof that it was from my business which is easy to provide. Im about to lose my car, Im about to be evicted all because of US bank. Im going to see what the police say, I hope I can find a lawyer that will take them for everything theyre worth and shut this bank down. If I am able to sue to them for millions or billions I will make sure this bank never has an opportunity to take away someones life again. Please, please, stop these people. 

Of note, I came across some information that this US bank on XXXX XXXX in XXXX Wisconsin is not properly identifying individuals opening an account and hundreds of thousands if not millions of cash deposits are being made each year from unknown origins.