23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or about    XXXX   XXXX  , 2016,  I requested in writing for PNC Bank to stop contacting by phone and only communicate in writing. Since that time I have been contacted on several occasions. The last being less than a week ago. I attempted to escalate the matter to the supervisor  XXXX , however I was only transferred to a voice mail. Again no reply from t he Supervisor   XXXX . I attempted to speak to  XXXX  's manager, however they will only transfer you to  XXXX . All of the representatives will not transfer you past a supervisor. This in it 's own right is suspect as I was told duri ng one call that m y phone # was removed for calls, however it was later added back to the account. Yesterday I spoke with a  Vice President on th e escalation team  XXXX   XXXX . Her best defense is that  PNC  cant find the letter requesti ng PNC ce ase contact. While I appreciate  XXXX   XXXX  's position that PNC ca n't locate this letter, it does not negate the fact that PNC is in possession of the letter. If PNC lost the letter, appended the letter to an incorrect account, or threw it in the trash. None of these reasons or excuses are acceptable. I informed  XXXX   XXXX  of my intent to file this complaint. She asked that I resend the letter. I refused to do so. I do not want  PNC  to have the excuse that they " just received '' the letter, when in fact they received the letter in  XXXX  of    2016.       One would think that a bank like PNC would operate with common sense. A customer has told many of your staff that he does not wish to be contacted, Has sent in a letter demanding PNC stop calls, and as a last ditch effort communicate with  the Vice President of your Escalated Complaints Team. But NO.. The day after my conversation with  XXXX   XXXX , the harassment starts again. More calls from PNC. When I attempted to advise the caller that I was in contact with  XXXX   XXXX , the representative refused to look up  XXXX   XXXX  in the directory she has available and even refused to provide an employee or agent ID.     I respectfully request the CFPB as well as  the OCC fully  engage an investigation into  PNC  's business practices and their failure to adhere to Federal and State Laws. Considering the way in which PNC handles their Cease Communications Requests, I can not believe I am the only customer who 's letters are " not on record ''. I believe this to me a willful attempt by PNC to avoid adhering to consumers requests.     Thank you in advance for your time and review of this matter.
Product: Credit reporting or other personal consumer reports

MY INFORMATION HAS BEEN EXPOSED IN A DATA BREACH. HERE ARE THE ACCOUNTS LISTED : XXXX XXXX - Acct # : XXXX, Bal- {$0.00} Date opened : XX/XX/XXXX XXXX XXXX- Acct # : XXXX Bal- {$0.00} Date opened : XX/XX/XXXX XXXX XXXX Acct # XXXX, Bal- {$690.00} Date XXXX XXXX- Acct # XXXX, Bal- {$130.00} Date XXXX XXXX-Acct # XXXX, Bal- {$0.00} Date opened : XX/XX/XXXX XXXX XXXX # XXXX, Bal- {$0.00}, Date XXXX XXXX XXXX XXXX XXXX # XXXX, Bal- {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX, Bal- {$1700.00}, Date XXXX XXXX XXXX XXXX XXXX XXXX ) - Acct # XXXX, Bal- {$600.00} Date XXXX XXXX XXXX XXXXAcct # XXXX, Bal- {$510.00}, Date XXXX XXXX XXXX ( XXXXXXXX XXXX  ) - Acct # XXXX, Bal- {$130.00}, Date XXXX XXXX ( XXXX XXXX XXXX XXXX ) - Acct # XXXX, Bal- {$1100.00}, Date XXXX XXXX- Acct # XXXX, Bal- {$1300.00}, Date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - Acct # XXXX, Bal- {$690.00}, Date XXXX XXXX XXXX XXXX Acct # XXXX XXXX Bal- {$1700.00}, Date XXXX XXXX XXXX XXXX- Acct # XXXX, Bal- {$0.00} XXXX Date XXXX
Product: Debt collection

I am a consumer as identified in FDCPA 15 USC 1692 a ( 3 ) and I have a right to privacy pursuant to 15 USC1681 ( a ) ( 4 ). 

XXXX XXXX XXXX Amsher Collection services is in violation according to the XXXX XXXX for comprising my information. I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. 
Also Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX XXXX. The FTC is one of the federal agencies that enforces provisions of XXXX XXXX XXXX and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions  to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as XXXX XXXX. ''
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of the disputes particularly in light after the recent lawsuit. Despite using Zelle numerous times, my financial institution and Zelle failed to investigate my claims adequately.
Product: Payday loan, title loan, personal loan, or advance loan

This company is used by my apartment complex to help with rent assistance so I decided to give them a try for XX/XX/year>. Their app stated the first payment that i needed to make to them was for {$510.00} so I provided my account info with XXXX in the app. The first week of XXXX, my account was overdrawn as they had taken out {$1100.00}. I gave permission for one month only, went into the app and purposely selected only one mont and not automatic withdrawals. I called XXXX and explained what happened and they put in a dispute. I tried to reach GetFlex but they do not have a phone or fax number. You can only reach them by email and wait at least 2-3 days for someone to get back. I emailed and let them know the XXXX payment was in error and to reverse it. The email I reeived said they had permission to take it. I wrote back that they did not have my permission and they went silent and never responded again. 

I want a refund back in the amount of {$1100.00} that they did not have a right to take. They responded to XXXX promptly and denied my claim by saying they had spoken with me and I had approved all amounts taken. I emailed the company again and asked for a bill as well as the agreement and I have not heard back or heard anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my Transunion and XXXX  reports that I thought were only soft inquiries and I would like them removed : XXXX  : XXXX XXXX  Dba XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not authorize these inquires it was my understanding their were to be soft inquiries or pre-qualification checks.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX  ( Original Creditor ) XXXX XXXXXXXX XXXX XXXX XXXX Balance {$240.00} XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1- Delete Unauthorized credit inquiry : I contacted Experian in numerous occasions via certified mail to request that they conduct an investigation into an unauthorized inquiry from XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX that I did not authorize. Experian refused to investigate and allowing these inquiries to hindered my ability to obtain loans and other credit products. I am requesting to have the inquiries from XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  deleted of my credit report now.
Product: Credit reporting or other personal consumer reports

I have sent letters and etc .... through certified mail. I also have been reaching out to XXXX XXXX, and Experian to try and get this resolved no one has been able to help. 
I have fraudulent accounts reporting to my report that needs to be removed immediately. 
15 usc 1681-2 states " Except as otherwise provided in this section, a consumer reporting agency shall block the reporting information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft '' these companies XXXX XXXX, and Experian must remove these fraud accounts immediately. 

XXXX XXXX XXXX XXXX - {$8000.00} - XX/XX/2023 XXXX XXXX XXXX- {$560.00} - XX/XX/202XXXX XXXX XXXX XXXX - {$370.00} - XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX - {$86.00} - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent XXXX a certified letter disputing a bankruptcy that are reporting on my credit report. I received an email and letter back from XXXX stating that the items in questions were 'verified ' through the Bankruptcy court as accurate and has not changed. Also on XX/XX/XXXX I mailed a letter to the bankruptcy court and XXXX XXXX asking if XXXX contacted them to verify my information. On XXXX XX/XX/XXXX I received a letter from the U.S. Bankruptcy Court that that they do not provide information to any credit reporting agency. 

On XX/XX/XXXX, I received a responses back from XXXX XXXX could not verify the items in question and have deleted and updated my file with in their database. 

On XX/XX/XXXX I mailed a certified letter to XXXX disputing the Bankruptcies with proof from Bankruptcy court and XXXX that the items in question could not be found from each source. I checked my XXXX credit report on XX/XX/XXXX with an updated that the information is still accurate and no changes will be made. 

Per FCRA usc 1681 ( a ) Consumer reporting agencies have assumed a vital in assembling and evaluating consumer credit and other information on consumers. 

As a consumer my credit report is inaccurate and needs to be updated. Please delete the item if can not be ( verified ) in 30 days. Their is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality. I have a right as a consumer ( which is me ) to the right to privacy. I have not given any information to any credit bureaus to furnish any unsolicited documents about me which is illegal. 

This is my consent as a written permission to contact the credit bureau.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, am writing on my own as natural person and consumer who is a victim of identity theft. I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law.

This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer.

Please delete the following items from my credit report immediately ADDRESSES INQUIRES NAMES ACCOUNTS COLLECTIONS These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. 
I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. 
Thank you for your immediate attention to this matter. I look forward to your timely response. 
XXXX XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I had a Mattress Firm account which somebody was able to gain that information purchase furniture and have a delivered to their address which is not mine. I had an open mattress firm account of which I purchased one bed and then within a couple months I had over {$5000.00} worth of charges on my account that were not made by me or sent to my property address where I reside.. I have tried for several months to get this resolved and the company refuses to remove the charges from my account. This person was able to change my phone number, my home address, and my email, somehow someway breaking through their safeguards. I have not lived anywhere but the current address that I reside at right now since 2016. I have tried multiple times to explain to synchrony bank what happened but they are unwilling to listen and say that they have proof that that furniture was delivered to that property address. I have tried to explain to them that that is not my property that is not my residence and that was not me ordering that furniture they are unwilling to listen and continue to charge me the over {$5000.00} in charges for the furniture that they delivered and their error. I think this is unfair and I have been trying to dispute this ever since I found out and I will not pay for the money because I did not make the charges. I do not even have an invoice for this furniture because I did not purchase it I do not even have a breakdown of what it is to dispute it. I have asked on several occasions to get a breakdown invoice of what is in question so I can file a police report and they are unwilling to send it to me or tell me the address where the furniture was sent to. The only reason I know where the address is that the furniture was sent to is because its now showing up on my credit report as my address and Ive had to dispute this as well because that is not my address. Please help me to resolve this and hold synchrony responsible for their mistake and allowing this person to make these fraudulent charges on my credit card. These businesses need to verify that these accounts are being billed properly and that people that on them are the ones making the charges. 

I am also having this problem with my other synchrony account for discount tire the exact same issue of somebody being able to compromise my account and gain access. Luckily I caught it before they could make any charges and close that account as well so this does not happen again. It seems like they do not do a very good job of safeguarding peoples private information so people that do fraud for a living can not gain access.. I have wasted countless hours on the telephone trying to resolve this and taking up much of my time dealing with customer service.. im still getting nowhere..
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation!

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 ha
s reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX closed both of my accounts without notifying me. I was making payments, waiting for my available credit to reflect those payments, before calling, and discovering the accounts were closed.

The accounts continued to collect multiple monthly fees, sending the total balance over double. The company started to call me several times a day every day, until i asked for no phone contact. At this point they began adding 4 and sometimes more negative marks to my credit report, monthly. I finally was able to pay off one of the accounts, the XXXX XXXX XXXX XXXX XXXX XXXX It was paid to a XXXX balance, and had already been closed. However, the account was reported to credit agencies as delinquent past due with a balance of {$80.00}. I confirmed my account is a XXXX balance, My payment cleared on XX/XX/year>. Yet my report score was impacted again on XX/XX/XXXX, and this account added to a recent denial of an application for housing. This account is also showing as a charge off while actively collecting fees and placing regular remarks. 

The day I paid the XXXX  account I was advised by a XXXX to wait until XX/XX/XXXX for an emailed settlement offer to pay and close the XXXX XXXX  XXXX XXXX account which has accumulate near {$800.00} in fees, and also monthly negative remarks.
Product: Credit reporting or other personal consumer reports

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

I have a Discover card. Where I didn't make enough money at the time to pay the cards on time and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX XXXX and XXXX XXXX XXXX. I set up another payment plan for the discover card.
Product: Debt collection

I hve had this company report on my an account that I dont have nothing to do with me a collection from a company that fraudulently opened the acct as a result of identity theft they need to close this acct immediately and stop trying to collect on fraud accounts.,!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Debt collection

I received a letter from Rent recovery solutions about a debt I allegedly owe them. This company is believed to be a collections company. I have received numerous phone calls repeatedly from this company about a debt I have no knowledge of. I sent a certified letter asking for debt validation and I have not received any response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  ,2017 30  days late amount {$100.00}  Compass BK Auto l oan
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXXXXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX.
Product: Checking or savings account

They charge me over draft fees of {$35.00} per transactions without my knowledge XXXX