23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To Whom it may concern My name is XXXX XXXX, and I am writing to thank you for working with me during a time of hardship which occurred while I held a credit card with your company. 

I have XXXX son who is XXXX, and another who is XXXX. For a period, our family struggled to balance mounting costs associated with my sons ' conditions. In addition, my wife had to drop from working full time to part time in order to provide additional support for them. Our family made several difficult decisions which included selling our home, and moving out of state so I could accept a job with a higher salary in order to be able to pay for and provide them with the services which they require. 

The period of XXXX was a humbling time in particular as I watched my expenses rise to a level where I had difficulty making all of my payments for my obligations on time. Until then, I had never missed a payment on a credit obligation in my life, including during the 10 previous years in which I held this card. It was during this difficult period that PNC Credit Card Services charged-off my account. 

I am happy to report that over the last 3+ years, our financial situation has stabilized. I have not missed a payment on any open account. I have diligently worked to resolve any outstanding debts as well. 

Recently, the home which we had been renting was unexpectedly sold, and we are now forced to quickly find a new residence. As stability is vital for children with special needs, we are attempting to buy our next home. However, it has come to my attention that the late payments and charge-off from this PNC Credit Card account has lowered my credit score to a level which makes it impossible for us to obtain a mortgage. 

Therefore, I am humbly requesting that PNC remove this account from my credit report, or report " no data ''. I ask for this gesture of goodwill based upon our family 's circumstances. Further, I stress that I take my financial obligations seriously. This can be seen by the fact that I have resolved all outstanding financial matters which I incurred during those years. 

PNC has an outstanding reputation of caring for its customers, and doing the right thing. I humbly ask that you consider my request which would greatly help our family. I am just a father doing his best to provide for his children, XXXXXXXX XXXX which require care beyond that of a typical peer. I am happy to further answer any questions you may have and provide additional documentation if needed. 

Thank you for your time and consideration XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

NCC BUSINESS SERVICE # : XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Im filing this complaint because this company is not treating me fairly. My name was attached to this account despite me not having any responsibility for it. They can not provide any written documentation that evidences my signature or bearing to this account. This account belongs to XXXX other people and I do not know why they will not release my name from it. 
My credit score is destroyed as a result of this account being on my credit. That is despite the fact that the account has also been paid and is a closed matter. I have a sick mother who is living in an apartment where the lease is not going to be renewed. I am trying to purchase a single story home that has no stairs and that is in very close proximity to her doctors office which she has to visit one to two times every week. This is a very difficult issue for us and Im trying everything in my power to help make her life easier. 
I would like for them to put in a request for them to remove this account from my personal credit reports.
Product: Bank account or service

I have a hard credit inquiry in my XXXX report from XXXX XXXX, 2015. I never authorized to reopen the case for a previos credit card application. I was never told that the will do a hard hit again on my credit. I only requeted to review the reason on the denial. I have contacted the bank, the don ; t believe me. I contacted XXXX, they said the bank has to do it. I want this to be removed from my credit report. I was misinformed and my credit inquiry was used without my authorization. I want to put a complaint againt Bank of America.
Product: Checking or savings account

On XX/XX/2023 my debit card was used in the XXXX XXXX XXXX with transactions amounting to around {$2400.00} in cash back and unauthorized cashback and debit card withdrawals. I currently live in California, nearly XXXX miles away. At the time of the unauthorized transactions, immediately called Chase to tell them about the charges and to cancel the card. Chase filed two claims one for {$810.00} and one for {$1600.00} the next couple of days Chase denied my claim saying that I authorize somehow the transactions, even though I wasnt there, they said that the card and pin was used, thats impossible because I still have the physical card and I never gave my pin number away. at this time they refused to reverse any of the charges and they said theres nothing they can do about it even though I have zero protection liability with them.
Product: Money transfer, virtual currency, or money service

My last complaint was submitted and this was the file number XXXX. It's in regards to JPay services and how they are provided. The company responded by actually giving us a XXXX dollar credit. Yes XXXX I have sunk XXXX into this tablet they give a XXXX dollar credit. And they did send a new tablet ASAP. That would actually be satisfactory if the tablet the sent was not damaged. It can not be charged it over heats. And it has no sound. This is what this company does. The tell people it is a courtesy tablet from the state of new york, to entertain the inmates. The tablets are like first generation. First of all. You have to practically give your life in order to get it replaced. As proven this has been going on since XXXX.they send a faulty tablet. My husband can't even right a ticket cause the XXXX  in the jail isn't working. That's just a couple of issues. I have sunk at least XXXX in media he can not watch or hear. Including videos I have sent and other family. XXXX is not a free tablet. That's an XXXX product.not to mention to send money they charge XXXX you must purchase stamps is order to send email and videos and pictures. And then when you call to finds out why they never received msg. The jails tell you to call JPay. JPay does nothing but have horrible customer service. Everything is right a ticket and wait for response. I had to right a ticket and wait two weeks just for them to respond back if the tablet is in their possession. After it was we have two wait to more weeks for a ticket to be sent in order for it to be approved to be sent out again. SERIOUSLY!!. Then they also like to tell you their job is to get msg videos pics to the facility to that's why they charge us. No thief job is to get it to our loved ones. At least this is what they say. So if it goes to a facility and the content is denied people should be refunded. They should have a system for that. JPay is literally ripping people off. So I pay to send him things that he doesn't get that the facility doesn't want him to have or allow. And every place is diffrent. But yet they do not have a system set up for JPay to see if it was denied. So they can refund us. So end result I had to open another ticket cause now they sent a tablet that gets to hot to charge and had no sound that can't be synced to the XXXX  because it is broke. REALLY. This company should be shut
Product: Checking or savings account

An unscheduled payment caused my account to become negative, in which, Fifth Third Bank charged an overdraft fee for the initial payment but continued to charge me an additional outrageous fee almost everyday which made it impossible to get the account back into a positive state
Product: Money transfer, virtual currency, or money service

I was looking for XXXX puppies online for adoption and found this website : XXXX XXXX XXXX  I communicated with XXXX XXXX via text to arrange the purchase and delivery of XXXX, one of the available puppies on the website. I paid {$940.00} through XXXX on XX/XX/XXXX, {$800.00} for the puppy and {$140.00} for the delivery and was ensured the puppy would be here the morning of XX/XX/XXXX. In the afternoon on XX/XX/XXXX I received an email asking for an additional {$1200.00} for shipping insurance which would be refundable which I did pay again through XXXX and was ensured the puppy would be here at XXXX on XX/XX/XXXX. On the morning of XX/XX/XXXX I received another email asking for an additional {$1400.00} to move the puppy to an electronic crate which I DID NOT pay as their website states that they always ship their puppies in electronic crates and the breeder refused to pay that bill even after acknowledging that this was a mistake on her part. The breeder asked me to split the cost of the crate change with her to get more money but gave me multiple names for the additional payment. I DID NOT pay any additional money. The below information is the contact information for the breeder. 

Names : XXXX and XXXX XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX The breeder says she ships through : XXXX : XXXX. The shipping companies phone number does not work and both of the addresses on their website point to abandoned buildings and nothing that points to or shows a building for this business. I have contacted the person that is supposed to be in charge of the shipping and he refuses to confirm their location and hangs up the phone. ( XXXX XXXX is the name he gave and a phone # XXXX ). I have contacted local police in XXXX, AZ who has taken all of my information and has filed a claim with XXXX, CA. I also called the XXXX XXXX XXXX ( where the dog was to ship from ) and confirmed that there was no dog at their airport to be shipped. We are lead to believe that there never was a dog. 

XXXX Police - XXXX XXXX Badge # XXXX Date of contact XX/XX/XXXX I provided this information to Wells Fargo to report the XXXX fraudulent charges. I provided the names of the recipients, transaction dates, amounts, XXXX XXXX- {$940.00} sent on XX/XX/XXXX with confirmation on my end the money was sent and XXXX XXXX, {$1200.00} XX/XX/XXXX with confirmation on my end the money was sent. 

The payments were made by my daughter, XXXX XXXX as I did not have a XXXX account at the time. 

Wells Fargo informed me that there was no protection when using XXXX and that these payments went through as scheduled. They suggested I reach out to the XXXX individuals. I explained that their names and contact information was not valid and they said they were sorry but there was nothing to be done on their end.
Product: Credit reporting or other personal consumer reports

" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else I
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Last XXXX SSN : XXXX Dear CFPB Name Collection Company : XXXX, XXXX XXXX ID : XXXX Account number for the debt : XXXX Balance : {$5700.00} Date Open : XX/XX/XXXX Dear Sir or Madam, This account was deleted from the Experian CRAs and was re-opened without notice, I was not notified 5 days before, I attach proof of this, it is a direct violation of the FDCPA, and I am willing to sue and obtain punitive damages, it is your last chance to delete the account before I take legal action, you have no jurisdiction to collect debts in Texas and you re-opened this account without notifying me and still maintaining false misleading information and abusing my consumer rights, delete this account or I will escalate this problem to court With NMLS number XXXX, they do not have jurisdiction or legal permission to collect this debt in Texas. I am attaching evidence directly from NMLS.

it is violating 15 U.S. Code 1692g, this law requires the collection company to have a legal license to collect in the state where the debtor resides, IT DOES NOT HAVE A LEGAL LICENSE OR PERMIT IN TEXAS XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Truist bank illegally closed two of my checking accounts while they were in dispute status for illegal over draft fees, and funds removed without my consent. This is a violation of my constitutional right XXXX XXXX Due process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that I have been victimized of Transunions " inquiry issue. '' I do NOT recognize these inquiries and am requesting that they are deleted immediately as they are having a negative effect on my credit score. I contacted Transunion customer service and they would not help or take care of these negative inquiries that are being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2021 I switched my family plan with 4 lines ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ) to XXXX and informed XXXX as thus I also paid XXXX XXXX bill to cover till XX/XX/2021 and yet I received XXXX request to for me to pay {$460.00}. 
I went to the local XXXX XXXX stores since I have no longer have the SIM card after the phone service switch. I went to the stores three times to seek help. Since my credit card got charged with the amount, the XXXX XXXX store representative advised me simply dispute the charge with the credit card company, which I did. 
I was surprised to have received a collection letter by a collection company XXXX claiming I owe TXXXX  for the period till XX/XX/2021. 
I wrote letters to XXXX XXXX customer care and Executive Vice President and Chief Customer Experience Officer XXXX XXXX. Again no response from them. XXXX XXXX  simply engaged another collection company AmSher Collections Services Inc with intention to destroy my credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. 
XXXX ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the accuracy of a public record on my credit report with all tree credit bureaus for over a year. I found out that a third party company, XXXX, was supplying information about me to the credit bureaus. I also received documentation that the courts do not report or verify information with the credit bureaus. I found out I could freeze my XXXX account which would prevent XXXX from verifying any information on me or supply information to the credit bureaus. I froze my XXXX account and again disputed the bankruptcy information. XXXX deleted the information from my report. XXXX is currently reinvestigating the dispute. Equifax says they have verified the information with XXXX ; however, that is not possible because my account is frozen. Either Equifax did not actually verify the information or they were not truthful about how they verified the information.
Product: Debt collection

Aaron agency Inc. is a debt collecting company I have never heard of before much less had any communication with. The original debtor, XXXX is the original lender who I vehemently denied owing any debt to and filed a dispute with after they threatened that my credit would be effected negatively. I don't owe this debt and Aaron does not have authority to report on my credit without correspondence. I do not owe this debt and I dispute this debt.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I completed and agreed to loan application fore VA refinance, 30 yr fixed at 2.75 % locked rate with a loan discount fee of 0.000 % ( {$0.00} ). ( quicken 1 ). Then received on-line the first Quicken Loan Estimate, which confirmed what was agreed upon in application. Both these on XX/XX/XXXX. ( Quicken XX/XX/XXXX ) Then on XX/XX/XXXX I received on line the second Loan Estimate which showed 4.75 % {$6100.00} loan discount ( loan cost ) Quicken 3-9 ). When addressing this unilateral change in the loan parameters ( cost of loan ) Quicken rep. said it was owing to a lesser valuation on the appraisal. The appraisal was still more than the amount of loan and the original property value they used on application was one they found and supplied for themselves. Regardless of that, I think it violates Federal Consumer Protection act to use " point system '' reserved to mutually agreed basis for negotiated rate reduction, which was not the case in this loan. The rate was offered by them as fixed and locked at 2.75 % and there was no rate reduction on the second Loan Estimate. I advised them I would not make any alterations to the original loan application and approval, I would only proceed with the already existing loan agreement/contract. They have made no change to the last posted Loan Estimate, so I still believe them to be in violation of the loan agreement and consumer fraud protections. They just finished talking to me and offered to make up the difference their miscalculations cost them by increasing the loan amount to increase the amount they could steal at closing ( as supposed costs ) which of course would change the payments, etc originally stipulated and agreed to by both parties. I declined.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. The following personal information is inaccurate, please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I disputed with Experian about XXXX, and the result had come back with the word : Remains. 
I then contacted XXXX XXXX on XXXX/XXXX/15, which they could n't verify any of the information on this account, then they said, they 'll contact the credit reporting company to update the information. 30 days later, nothing happen, I disputed it again with Experian, and the result is still Remains as of XXXX/XXXX/2015.