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

On XX/XX/2023 I attempted to deposit {$2.00} in cash in an ATM located at a PNC Bank located at XXXX XXXX XXXX XXXX, PA XXXX. The debit card has XXXX and XXXX network icons printed on the card. The debit card was issued by PNC Bank but is branded as a Fidelity Cash Management Account Debit card and I was advised by the issuer to consult the VISA ATM Locator for compatible ATMS, XXXX XXXX XXXX  the website and locator indicates that shared cash deposits can be made by Visa cards and I believed that this card was a program participant. Nothing was listed in the card brochure indicating that deposits could not be processed. I also found a PNC Bank ATM since the card was issued by PNC Bank. I deposited {$2.00} and upon selecting an account the machine made some sounds and displayed a circle graphic indicating that it was processing and did not return the {$2.00} to me, instead the machine gave me a receipt for {$0.00} and printed on the receipt transaction can not be processed. Immediately after the incident at the ATM occurred I called Fidelity card services and was told to file a dispute with PNC Bank since there was no deposit activity visible on the card. I visited the branch at XXXX XXXX XXXX XXXX, PA XXXX where the ATM was located on XX/XX/2023 in person to inquire about filing a dispute, a teller informed me that I could make a non-customer complaint and assisted me in doing so, I gave her my contact information, the information on the debit card including card number, and receipts that indicated the failed transaction and was informed that I would be called back by PNC Bank. I am filing this complaint to request assistance in what I would consider a complex problem involving multiple banks and am requesting assistance with having this issue resolved. When calling PNC Bank corporate office, I was not given the chance to file a dispute and had to file a complaint through a teller, who had difficulty finding the information to file a non-customer complaint, since this issue involves multiple banks and an ATM network I feel that I may want more assistance with getting this complaint resolved. Attached are transaction receipts for the ATM.
Product: Debt collection

Incorrect information has been reported to the credit reporting bureaus and it is damaging my credit ratings. Moreover, the incorrect information is over 12 years old. 

XXXX XXXX XXXX, XXXX ( " XXXX '' ) is a third party residential mortgage services provider. XXXX serviced a mortgage I held on a house owned in XXXX, WA : A house I sold in XX/XX/2007. Sale of the house resulted in the full payoff of the loan XXXX  was servicing. This loan was paid off, in its entirety, in XX/XX/2007. Thus, there was no loan, no loan obligation, and no payment obligation after XX/XX/2007. 

In XX/XX/2007, one month after the loan was paid off, XXXX reported a " late payment '' to the credit reporting bureaus. There were never any late payments -- I had never been late on any payment on the mortgage. This is troubling because XXXX reported a late payment AFTER the loan had been paid off. Then, XXXX reported the loan as 60 days late. This is a very damaging item on my creditor report : A report that has no other similar late payments. 

12 years have passed. Setting aside the factual inaccuracy of the alleged pate payment, XXXX has refused to notify the credit reporting bureaus to remove this from my credit reports. This failure is despite my repeated attempts to notify them of this problem and multiple requests for their assistance to correct this error. 

XXXX is taking affirmative and active steps to maintain the late payment on my credit report. It is very strange behavior, to be sure, but something I hope your organization can help me correct. 

NOTE : No money is owed -- there were never any late payments -- I complied with all terms and conditions of the mortgage. The loan was paid off in its entirety in XX/XX/2007.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters disputing inaccuracies information on my reports. Most recently I sent a letter on XX/XX/XXXX and I received no response within 30 days. It is now XX/XX/XXXX and I have mailed yet another letter to get the matters resolved.
Product: Credit card or prepaid card

I had an {$8000.00} limit on my USAA credit card. I paid the card off using the service of XXXX XXXX XXXX XXXX. Before I did so, I called USAA customer service which verified the balance with me. Months later I received a letter saying that I had a {$1.00} balance. USAA credit card company reported my account late for payment to the credit bureau for {$1.00}. I called the company to dispute it and they refused to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, unfortunately my complaint has not been resolved because I was still denied a checking account from XXXX XXXX bank again XXXX days ago due to a Deceased notation on my XXXX Consumer Disclosure XXXX Account # XXXX Comprehensive Report Service by Lexisnexis! 

On my XXXX  Comprehensive report # XXXX which XXXX XXXX bank using Has Deceased notation which is Inaccurate and needs to be removed This Deceased notation has caused me to Be DENIED A Checking account from XXXX XXXX bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$10000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to charge-off. This incorrect reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Product: Mortgage

My mortgage transferred from XXXX to Flagstar in XX/XX/2019.  Around XX/XX/19 I made a call to Flagstar bank for clarification on my escrow account and the mysterious {$40.00} advance fee on my statement. At first the rep at Flagstar said the fee transferred over from XXXX. I advised her that is not true and demanded that she tell me what the fee is for. The representative then said that often when loans are transferred someone will come out and access the property. I advised the rep that due to my disability,  we are always home and no one has been out to access our property. She kept pointing the finger at XXXX and then told me that I would have to send proof the fee wasn't on my statement prior to the transfer of my loan to Flagstar. I kept several statements prior to the transfer and emailed proof per their request to : XXXX. I feel like this is a scam and they are intentionally trying to rip consumers off! Imagine all the loans transferred in the pool to Flagstar and multiply that pool amount by {$40.00} ( advance fee ) for each new loan. I want this fee removed and this company needs to be looked into carefully! What if I didn't save my statements from my previous lender? I feel they are taking advantage of consumers and it needs to stop!
Product: Credit reporting or other personal consumer reports

I have reported identity fraud to all 3 credit reporting services. 
Transunion : 6 hard inquires *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am making a complaint for a few reasons. The first is that Transunion is reporting things that are not mine. I have reported to them numerous times that someone has gotten ahold of my information and they are reporting inaccurately. I have also called in multiple times to all three bureaus to let them know that they are all reporting different information. 

Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information.

It is my understanding per 15 usc 1681 it is the purpose of this subchapter 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 subchapter.
Product: Credit card or prepaid card

I had some work being done on a condo we own. There was a contact where I gave them a payment at the time I signed the contract of {$1000.00} in XXXX of XXXX on my Citi-XXXX Visa Card. This is where the Merchant got my account number. 

At the time work was to start the Merchant was entitled to a progress payment of {$4100.00} which I made on XX/XX/XXXX. I used a different credit card with XXXX XXXX. 

XX/XX/XXXX was the last time the merchant was at the property. They did not return and the job was not quite 1/2 way. 

There was a condition in the contract that the Merchant would need a payment to continue after the rough plumbing inspection from the city was done. 

This had not be done. At this point they were not owed for work completed On XX/XX/XXXX the merchant charged my Citi-XXXX credit card without my authorization or approval. There were no terms in the contract or any agreement that allowed them to charge my card at will. 

I reported this to the local police and they referred me to my credit company but did write a incident report. 

The Citi Visa first responded with the fraud and reversed the charge.

They later backed off the {$4100.00} charge stating the merchant said it was an " installment sale ''. 

This was not an installment sale. If the merchant continued they would have been due money. The fact here is they were not given my authorization to use this card for further charges. 

The inspection that was supposed to happen before the payment for the merchant to continue was Disapproved meaning the merchant did not get the approval necessary to continue. 

At this point, Citi Visa is telling me that they are not going to reverse the charge this merchant made on my account without asking me. 

There was over 6 months from the time I used this card with this merchant and should not have been able to use this account without getting a new authorization.
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 are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$9900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$850.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$220.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$68.00} ; 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 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

XXXXXXXX XXXX XXXX XXXX XXXX / 30 days late in XXXX 2020, XXXX 2020 and XXXX 2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting or other personal consumer reports

update the following accounts on my credit report. according to the FCRA credit guidelines. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I submitted two previous complaints stating that the payment history on this account ( XXXX XXXX XXXX XXXXXXXX ) was illegally being reported inaccurately. The information came back as verified, however the inaccurate late payments remain on my credit report. I attached the results of the investigation done by XXXX, who correctly confirmed that the account was in-fact paid on time and never late. Transunion is violating my rights by continuing to report these late payments and credit reporting agencies have been sued in the past for reporting inaccurate information. See below for the court lawsuits : XXXX vs Transunion LLC, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Please immediately correct all late payments and update this account to PAID ON TIME/NEVER LATE, or I will be forced to take legal action. Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I discontinued my auto insurance and USAA credit card with USAA effective XX/XX/2021. ( the end of the 6 month cycle ) On XX/XX/2021 they withdrew, what should have been, the last payment out of my checking account. However, they then took two more unauthorized payments out of my checking account on XX/XX/XXXX and XX/XX/XXXX. I sent USAA two dispute documents from my bank citing those two withdrawals. USAA has made all kinds of excuses but has not returned those two withdrawals to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Only on my experian report there are few problems which i tried to fix from last two years and its not fixed as of not. 
four accounts which are not mine and experian doesnt let me dispute 1. XXXX XXXX XXXX XXXX every month is XXXX, XXXX XXXX says i dont owe them anything and they are not reporting 2.XXXX XXXX XXXX XXXX of XXXX acoount isnt mine and need to be deleted 3.XXXX  XXXX XXXX have wrong information and experian doest let me dispute 4. United State Senate XXXX  account has lot of wrong information from last 5 years and exprian doesnt let me dispute to correct. 
5 only name i use is XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX. 
experian doent want to fix it only address from last 12 years i use is XXXX XXXX XXXX XXXX va XXXX and experian doesnt want to correct these information too
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX Balance Owed : {$140.00} 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 appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX 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 XXXXXXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX ; XXXX XXXX XXXX of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXXXXXX Date of inquiry Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights 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 an account without my written instructions.
Product: Bank account or service

Wells Fargo lies and continues to assert that I 'm not listed in XXXX. I reviewed again my report I have offered evidence as such and identity theft and yet they still do nothing. They do n't value my XXXX year relationship nor the 40k I 've deposited since XXXX. I 'm switching banks Asap if this is n't rectified. Contact XXXX you own them they will not do anything when I contsxf them saying you told them to keep it on file. Bait and switch, lying to the government and me too. Normal Wells Fargo XXXX.
Product: Credit card

I would like your assistance in obtain feedback from this company as to why they are reporting a charged off account out of date account on my credit files since XX/XX/XXXX? I do not own a account with this company and I wrote to both the company and the credit bureaus in XX/XX/XXXX advising that this account be removed or that I be provided with validation as to the date this account was opened and defaulted upon and provide me with all documentation used to validate balance owed. I have requested this company and the credit bureaus ( XXXX ; XXXX and XXXX ) close out this inaccurate out of date account and update my files accordingly.
Product: Mortgage

My wife and I decided to build a house with Pulte and were happy with the overall service until they started to aggressively push their mortgage company on us. We were not provided with a rate until XX/XX/18 when we had a closing date of XX/XX/18. Additionally, our other lender had a much lower rate so we informed Pulte we were going with the other lender. Pulte came back and matched the rate, but the other lender ended up matching the closing cost credits Pulte offered so we informed Pulte we would not be going with Pulte as our lender.

After the back and forth, I had finally told Pulte on XX/XX/18 that we would be going with the other lender. I received several voicemails from the Pulte lender telling me it was a mistake and there was a contingent amount related to sales incentives that would be added to the home price if we didn't use Pulte. This clause was added in the agreement ; however, they did not mention it when purchasing the house and no mention of the {$4100.00} additional " discount '' was related in the price of the house. The lender paid closing way clearly separated from the final price of the home in the billing summary but there is no mention at all of the {$4100.00} being contingent. 

Pulte then sent me a text message on XX/XX/2018 ( 8 days before closing ) telling me the purchase price of the house would be increased by the {$4100.00}. This is so late that the other lending company had of course already finished the loan approval process. Pulte then didn't send a " change order '' until XX/XX/18 which then showed the {$4100.00} as being contingent in the billing summary when it previously was nowhere to be found. 

Pulte has also continued to process my loan and says it will be ready at closing if we choose them even though we told them we will not use them. Furthermore, they repeatedly called my new employer and were aggressive in their dealing with HR as they gave me a call asking if everything was okay. They have been aggressive and sketchy and tried to coerce us into using their lending company.
Product: Credit reporting or other personal consumer reports

Will like to see proof that I was ever late on this account. XXXX I would like for this account to be update correct. XXXX XXXX say I was late please show proof I was late. All three credit reporting agency are showing different.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all XXXX credit reporting agencies, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 

XXXX XXXX XXXX ( C ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries. Except as provided in section XXXX XXXX XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.