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

My bank, PNC bank will not credit me back for the {$300.00} that I paid a service for. The service will not respond to me and has stolen my {$300.00}. I have tried appealing this decision made by my bank but they will not credit me back for the service I never received. I purchased the service in full on XX/XX/2022 which was taken from me then. I scheduled the service, and it ended up being cancelled over 4 times. The provider stopped responding to me and took my {$300.00}. PNC Bank will not do right by me, their loyal customer and give me my money back that was stolen from me. The provider was XXXXXXXX XXXX XXXXXXXX located in Oregon. This provider is extremely unprofessional due to the fact she cancelled my service at least 4 different times, dragged the service times out for the span of an entire year and has no communication with her clients. Her lack of legitimacy should not allow her to continue her business in the manner she does. I have gone back and forth with PNC Bank and they refuse to credit me back, yet they recognize what this so called business owner has done to me.
Product: Mortgage

Ok well i have complaint on file against Wells Fargo home mortgage, this update is an addition to what has been updated. We hired XXXX XXXX to represent us and submit for approval of modification. All our income documents are in place and were submitted properly. Apparently now Wells Fargo is lying about our actual monthly income.. They are lying and just denied us for income.. They are criminals they changed our monthly income on their own they have no right to state we make less than we do monthly!! They denied us a modification, It was denied under fraudulent changes that they decided to do., Our income qualifies us!! Our attorney just put appeal with them!!! Wells Fargo deserves to be shut down!! how dare they lie and change our monthly income.. I believe they have complete idiots there that do not comprehend how to figure income since ours is from more then one source. Our attorney even submitted with the breakdown of our monthly incoome!! Someone must stop them from lying and trying to decline us once again!! this must be brought to the media! I reported this situation to congress and other agencies! who will get this horrific company to stop trying to lie to foreclose on us?????
Product: Credit reporting or other personal consumer reports

** This letter is a formal demand for the **immediate deletion** of a negative XXXX account- XXXX XXXX XXXX # XXXX {$XXXX} that is being XXXX reported on my credit file. I am well-versed in consumer law and the requirements for proper reporting, so I know when my rights are being blatantly violated. Let me be clear : if an account is charged off, the creditor MUST issue a XXXX ( Cancellation of XXXX ) ** form to legally consider the debt canceled or paid in full. 

You are reporting a charge-off without any evidence of a XXXX being filed with the IRS, which is XXXX, misleading, and a violation of the Fair Credit Reporting Act ( FCRA ). Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) **, furnishers are required to update information and report accurately. If youre reporting this account as a charge-off, where is the proof that the debt was *charged off* or *canceled*? 

Additionally, by failing to remove or correct this inaccurate information after my multiple attempts to dispute it, you are in violation of **15 U.S.C. 1681i** for failing to conduct a reasonable investigation into my dispute. According to **15 U.S.C . 1681e ( b ) **, you are required to ensure maximum possible accuracy in my credit report, and right now, youre falling short.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I notice the this credit bureau is reporting no data for my XXXX  losns from XX/XX/XXXX - XX/XX/XXXX and i paud every month. Someone is trying yo chsnge my credut history on every sccount I hsve. 

Further, the XXXX  is XXXX  listed as my current employer since XXXX. I need to be updated on all my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX XXXX, XX/XX/XXXX. Am not aware of this account XXXX XXXX XXXX, XX/XX/XXXX Account does not belong to me XXXX XXXX XX/XX/XXXX does not belong to me
Product: Mortgage

I made my mortgage payment on XX/XX/2017 in the amount of {$1300.00}, which was about {$6.00} more than what was due, and I asked that the {$6.00} go towards principle. On XXXX/XXXX/2017 there I received an email from my mortgage servicer that they had received {$350.00} which went towards escrow. I did not request this payment and frankly did n't plan financially to make an additional payment this month. When I called my servicer they said " oh, must have been a mistake '' but were unable to stop the payment from going through.
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. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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
Product: Credit reporting or other personal consumer reports

Despite my efforts, I've had no success disputing these issues. Enclosed is the letter I sent to the credit bureaus. Your firm 's response categorized my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to clarify that I do not view a matter of such importance lightly. If you do not address my original request to verify the items mentioned in my previous certified mail, I will escalate the matter to the Federal Trade Commission. I urge you to reinvestigate the following information and provide proof of the alleged item, including any contract, note, or other instrument bearing my signature. If such evidence can not be provided, I request the immediate deletion of these items from my report.
Product: Debt collection

XXXX sold an alleged debt on XX/XX/2021 to ERC in my name. Once I saw this on my consumer report I disputed it and asked for validation and they removed it on XX/XX/2021 because it doesn't belong to me. However, ERC knowing this alleged debt is unverified, then sold it to XXXX XXXX on XX/XX/2021 ( when it appeared on my consumer report ). This is a violation of my consumer rights to notification of alleged debts before being placed on consumer reports to allow for validation of the alleged debt, lack of privacy of my personal information, lack of consent to give out my personal information to XXXX parties ( identity theft ) and lack of reporting accurate information to credit bureaus. XXXX, XXXX and XXXX are all reposting this illegal, unverified and alleged debt.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I received an email notification detailing a payoff amount for my leased furniture, which was approximately {$100.00}. Since my payment was due the following day, XX/XX/XXXX, I decided to cancel the scheduled payment upon receiving the email that stated my account had been closed. However, when I checked back around XX/XX/XXXX, I was surprised to find that my account had reappeared, but this time with a significantly higher payoff amount of {$400.00}. 

I promptly contacted customer service to inquire about this sudden increase and asked if it would be possible for me to simply pay {$270.00} to settle the account and officially close it. To my disappointment, the representative informed me that this was not an option. They explained that I would have to pay the new payout amount, despite my original payment not being due until XX/XX/XXXX. 

When I questioned how it was possible for a payment to be pending before the actual due date, the representative responded that this was just the standard process for their billing system. This explanation left me frustrated, as I felt it was unreasonable to have a pending payment before the specified due date. 

Throughout this leasing period, I have already paid three times the value of the furniture, and I am eager to resolve this matter and have my account closed as was indicated in the initial email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account ( that I pay monthly for ) last year with Equifax because ( probably due to their breach a few years ago ) someone used my maiden name and social security number to open several fraudulent accounts at XXXX XXXX  ( that issue was resolved -- just for the record, though, it should be illegal for anyone to open a bank account on-line ). 

Anyway, my information with Equifax was correct when I opened the account last year. It showed my married name as current and my maiden name as former. When I checked my account in XX/XX/2021, I discovered Equifax had switched them ; it showed my maiden name as current and my married name as former. I dont know when or why it was changed. 

On XX/XX/XXXX I called Equifax to notify them they had the wrong name on my Three Bureau Credit Summary. It showed my maiden name rather than my married name. I've been married for twenty-nine years! I mailed information to their address in XXXX, Georgia to correct the problem. On XX/XX/XXXX, I checked my account again and it still showed the wrong name. I was told they never received the documentation and letter I sent. 

I had great difficulty getting through to the company. They keep dropping my calls. When I was able to talk to a person, I informed them to checked the 3-credit bureau summary because the the other two credit bureaus had my correct name, my married name. OnXX/XX/XXXX, I was told by Equifax to submit my documentation through my account on their website. I did so. I sent everything they asked for and they said they would investigate and resolved the issue. 

Well, when I checked my account yesterday, they said the dispute had been resolved, but my name is still incorrect! I called them again today, XX/XX/XXXX, to give them one last chance to correct their error. I get lots of meaningless apologies and dropped calls. 

These Credit Bureaus want to be the Masters of the Universe -- They want our entire lives in their hands. Is it too much to ask that they get my name right! 

I'm at a loss as to how to get this corrected. Please Help!
Product: Credit reporting or other personal consumer reports

There are multiple accounts that are showing up on my credit report that should not be showing up. According to the IRS if an account is charged off, it is considered income for me and I have to file taxes on it. Income can not be reported on my credit report. These are the laws if whoever is reading this is unsure. Feel free to check with your legal department. They will agree with me and these accounts should all be removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both of them ) There are also fraudulent hard inquiries. I did not give the banks or anyone else permission to access my credit report. I've contacted the banks and explain the situation, and they all agree that the hard inquiry should not be on there. And most of them tell me I should contact the credit reporting agencies to request that they be removed. Feel free to reach out to the individual banks To confirm that these are fraudulent inquiries 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 card Again, feel free to reach out to the banks directly after confirming all of my information I agree that these fraudulent inquiries that should not be showing up my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Checking or savings account

On XXXX, XX/XX/XXXX with the assistance of a Huntington Bank customer service agent, I made an authorized e-paymentfrommy Huntington Bank checking account to my other checking account locatedat XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

100 % of the funds were fully available. 
Even after the epayment processed, I still had approx {$30000.00} still left in my Huntington Bank checking account. 

Since XX/XX/XXXX, Huntington Bank has kept me locked me out of my checking account which is my only way to pay bills as nearly everything is paperless these days. 

Since XX/XX/XXXX, I have called Huntington Bank nearly 17 times trying to get them to unlock MY checking account. I have also called Huntington Banks XXXX number customer services line to escalate a complaint ... .and it has gone no where. All I hear from them is apologiesand they keep blaming the " higher ups '' or the " people in the back office ''.
Product: Debt collection

IN XXXX AND XXXX OF 2023 I CONTACTED VANCE ABOUT INACCURATE CREDIT REPORTING. THEY HAVE FAILED TO REPORT THE ORIGINAL CREDITOR OR ACCOUNT NUMBER MAKING IT IMPOSSIBLE FOR ME TO VALIDATE THE DEBT AFTER THEY HAVE CHOSEN TO IGNORE MY REQUEST. THEY ARE REPORTING OUTSIDE OF COMPLIANCE AND HAVE EVEN LEFT SOME INFORMATION BLANK FILLED THAT SHOULD BE REPORTING COMPLETELY AND ACCURATELY. PLEASE HELP ME. ALL PARTIES HAVE FAILED TO PROTECT ME AND I READ YOUR ARTICLE WHERE YOU ARE READY TO HELP ALL CONSUMERS BEING TAKEN ADVANTAGE OF BY DEBT COLLECTORS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Us Dept of Ed/XXXX XXXX and collection services on all 3 credit bureaus for inaccurate reporting of information not only on high credit limit and inaccurate account history, which all comes back " verified ''. Method of verification letters were mailed and received by not only XXXX  but Experian as well, receipts are provided. Yet all that this did was create disputes which were not what was requested and information that they have was not sent to me about how they verified this information. I have one specific account reporting an inaccurate account high credit limit from XX/XX/XXXX. On XXXX   account history is inaccurate showing a past due balance of {$1.00} on all 4 accounts. On XXXX the same account dated XX/XX/XXXX is reporting an incorrect high balance. On Experian the same account is once again reporting an incorrect high balance and all 4 accounts are showing as failed to pay in XX/XX/XXXX in the account history but these were paid and closed in XX/XX/XXXX via consolidation. Each credit bureau also has different date of first delienquency information from the original creditor XXXX XXXX which has since been deleted for inaccuracies, these accounts should be deleted as well. I am not sure how they are verifying inaccurate information that is proven based on FAFSA and NSLDS database concerning student loans. Each loan was paid XX/XX/XXXX with a {$0.00} outstanding balance and interest. NSLDS also shows the accurate amount borrowed and proves the inaccuracy of the high credit limit on the one account that I have tried to have corrected. Since these inaccuracies have failed to be accurately verfied based on information I have sent and proven. These should be removed as they are in violation of inaccurate credit reporting and inaccuracies disputed should be updated to accurate account information or deleted if information can't be verified as accurate, which it is not across all 3 credit bureaus. This information has failed to update the first time and I entitled to fair credit reporting and accurate information, if that information isn't accurate and/or updated then it should be deleted. For each bureau dispute numbers are the following : XXXX : XXXX XXXX : file number XXXX report date XX/XX/XXXX Experian : XXXX Attached files are the following : 1 ) NSLDS about account in question with inaccurate high credit also shows that account was paid in XXXX and XXXX reporting is inaccurate 2 ) Receipts to XXXX and Experian 3 ) FAFSA information with original credit limit.

Report numbers with disputes in question 4 ) Original copies of method of verification letters mailed
Product: Debt collection

on XX/XX/2021 I request Validation of the debt they sent back a bill on XX/XX/2021 I sent a second Request they sent back the same bill how did Wakefield Associates validation the debt as mine because they called someone I asked for some type of evidence but they said in the letter I submit twice they called to validation Wakefield Associates has not validation the debt having my name or address is not proof my second letter I asked for original contract, date signed, was this debt assigned to a debt collector or purchased, amount paid if purchased ,1099 c if it was a write off or a charge off, I need your office Wakefield Associates to provide the proper documentation as request anyone could fraudulent this account with a phone call
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. 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 60 days 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. 

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

I received notification from Experian regarding unauthorized credit inquiries on XX/XX/2023 and XX/XX/2023. On XX/XX/2023, I called Experian and placed a credit freeze and fraud alert. On XX/XX/2023, I received another notice of an unauthorized financial account opened under my name through XXXX ( a loan servicing company ). I contacted XXXX to alert them of the fraudulent account opened under my name and requested a freeze on the account and note the account as fraud. However, XXXX refused to note/report the account as potential fraud and refused to freeze or close the account. 

XXXX denied having a fraud department to work with regarding this situation and they were unwilling to look into this issue. I believe they have unethical and deceitful lending practices and are not offering responsible steps for preventing and handling fraudulent practices and fraud claims. Due to their unwillingness to take this matter seriously, it appears XXXX is making it their business to profit from lending money unlawfully. 

A Police Report has been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the companies and the bureaus and asked for them to be removed and they have not been removed yet. 
Account opened XX/XX/XXXX in the amount of {$530.00} with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1000.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I contacted chexsystems via telephone and usps mail letting them know I have viewed my chexsysts report and have noticed many unauthorized inquiries. I submitted an ftc report and disputed these inquiries formally. Chexsystems claims they have done and investigation but they have not. They have claimed that all data furnishers have also investigated all inquiries, but how can they know without any verification. I have supplied an ftc report and in the personal statement all inquires all listed PLEASE REMOVE THEM IMMEDIATELY
Product: Credit reporting, credit repair services, 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. 
DPT ED/XXXX XXXX, DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX US DEPT ED XXXX, US DEPT ED XXXX XXXX US DEPT ED 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, US DEPT ED XXXX Has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.C.S 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.