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

On XX/XX/2024, my PNC digital debit card within XXXXXXXX XXXX was charged, after providing merchant with another form of payment ( a physical card ) needed for a pre-authorization hold. The final payment was settled with that of payment from the physical card I provided. 
On XX/XX/2024, I noticed the charge on PNC online banking app and called in to discuss the issue and dispute. I was told to call back if and once charge had posted. 
On XX/XX/2024, I contacted PNC to dispute the posted charged from the merchant and advised I had used another form of payment. I also advised that the incident could have happened due to the merchants POS being sensitive and my phone was near when I was told I would need a physical card for the pre-authorization, however I was not informed by merchant that I was accidentally charged already. 
The call with the claims intake representative was disconnected on PNCs end and I was not contacted back. Without my knowledge my card was canceled and I was locked out of online banking and was not able to use telephone banking due to not having a pin. This caused a huge inconvenience in attempting call back into PNC. Another agent was then able to file another dispute. 
On XX/XX/2024 I sent an email to XXXX with the supporting documentation of proof of payment by another entity as advised by branch representative. 
In follow up, around the first week in XXXX I stopped at a PNC branch in XXXX NC and spoke with branch banker regarding dispute and at that time the banker made an internal call to claims were they confirmed my documents were received. 
On XX/XX/2024, I received a denial letter. 
On XX/XX/2024, I contacted PNC and was told the denial was due to failure to submit proof of another payment. 
PNCs lack of communication and initiative to follow & execute the claims process for a merchant dispute has caused me unnecessary distress and delays in dissolving banking relationship.
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( fcra ) to conduct a reasonable reinvestigation of disputed information in my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against transunion, alleging systemic issues such as, failing to forward consumer-provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of dispute outcome. These failures aligns with my experience, where neither Transunion has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts l, as Transunion inactions violate federal law and my rights as a consumer.
Product: Debt collection

I received a phone call and they left a voicemail, I do not know what this is in regards to, as they never stated who the call was for. I looked up the phone number and realized that this is from a collections agency. I never received any written information via mail nor did the caller disclose in the voicemail that the call was an attempt to collect the debt, please resolve this matter. I have attached the transcript of the voicemail for reference.
Product: Credit card or prepaid card

Chase Credit Services abuses Hard Credit Inquires for simply increases in credit card limits. Unlike other credit card services I have used, Chase rapidly and freely submits hard credit inquiries without the customer 's knowledge. This drives down individual credit ratings and allows Chase to charge higher credit card interest rates.
My example : Applied for a Chase Slate Card onXX/XX/XXXX - Chase ran a hard credit report which was expected and I was informed. It was approved. Three days later onXX/XX/XXXX, Chase ran another hard credit report ( and of course got the exact same result ). They contend I was not happy with the credit limit and asked for more. This I do not recall but certainly did not expect ANOTHER hard credit report to be run.
Again onXX/XX/XXXXChase cited another credit increase request to run yet another hard credit report.
Chase is manipulating the credit reporting without clearly informing the customer about added credit reports. This drives down personal credit ratings and allows higher interest charges.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1611 ( I ) I have a right to privacy. There are several inquiries on my report that doesnt belong to me. Please remove these inquiries. There has been reports of a data breach and it has effect my credit report and score. I believe the company has to be responsible to adhere when something is wrong. All inquiries need to be removed from my report. Also there should only be two ( 2 ) addresses on my report I have not lived any where else. Addresses are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern ; I would like your office to investigate the following. I paid in full an amount owed to XXXX XXXX XXXX XXXX in California, which was submitted to a third party collection agency, XXXX XXXX. In addition to the payment, I made 4 copies of the money order as proof of payment, because I knew I could n't rely on the collection agency to report the payment to the bureaus and have it removed from my profile. I mailed it to the collection agency and the 3 credit reporting bureaus on X/XX/17. As of today X/X/17 the debt is still listed on my XXXX XXXX profile as unpaid. 

Additionally, I filed a dispute with all 3 bureaus regarding a co-borrower account that belonged to my son, who did not have my written authorization to use me as a co-borrower. Nor did the apartment complex XXXX XXXX have my signed authorization to use my information as a co-borrower. If they would have had my full and complete information the transaction would not have gone through. The apartment complex has not and can not furnish any proof of my written consent, yet they still insist the debt is mine. My son has since paid the debt in full ; yet the collection agency XXXX XXXX and the apartment complex refuse to remove the account for my profile. It seems like the collection agency is looking to get paid twice. Which I 'm sure is a common practice with collection agencies. 

Both of these are having a negative impact on my credit score and I am determined to get all of my debts paid off. The 3 credit reporting agencies and the collection agencies are n't acting in the best interest of me as a consumer, because they are not enforcing the rules and regulations which require the fair and accurate reporting of my debts and payments. 

If you could look into and help me resolve this matter I would be grateful. 

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

XXXX  XXXX XXXX Balance {$4300.00} Original Creditor Name XXXX XXXX XXXX XXXX Balance {$3900.00} Original Creditor Name XXXX XXXX These accounts were both fraudulently opened in my name. I have filed a police report, I have filed multiple disputes with each major credit bureau including a copy of the police report.I have also filled out and mailed a fraud packet from XXXX  and returned it the company. XXXX, and Equifax have both failed to remove this information. I have requested proof of their investigation, which they have failed to provide.
Product: Credit reporting or other personal consumer reports

Unable to access my Transunion credit report or submit disputes. I have contacted support several times over the last year and consistently get told " yeah, we're working on it ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate=fraudulent inquires on my credit report. I have submitted numerous ftc reports, written numerous letters, called multiple occasions, about three to five fraudulent inquiries still on my credit report, I have received letters from Equifax stating that they deleted the inquires, even still they are on my Equifax credit report. Equifax and there shady business practices need to be looked into. Equifax remove these inquires now! I have documented and attach below all proof of my words.
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 XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance {$200.00} XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} ONEMAIN XXXX Balance : {$7600.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed Bankruptcy in 2017 and there was a debt, XXXX XXXX, that was included in my bankruptcy. On my credit report, it is listed as a collection with an outstanding balance which is included in my Chapter XXXX Bankruptcy. After 3 attempts to dispute the item and even provided supporting documentation for the item, XXXX, Transunion and XXXX  continue to allow the item to remain on my credit report. I've demanded them to re-investigate the item and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, 1 LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND 1 ACCOUNT THAT DOES NOT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX, EXPERIAN and XXXX XXXX XXXX XXXX XXXX Dats late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Product: Checking or savings account

PLEASE REVIEW MY ATTACHMENTS. 
I PROVIDED TIME STAMPED DOCUMENTS POLICE REPORT WELLS FARGO 'S RESPONSE WAS A JOKE. 
FOR STARTERTS, THEIR TIMELINE WAS SO WRONG THEY DID NOT REVIEW ANY OF MY DOCUMENTS NO WAY I CAN BE XXXX PLACES AT XXXX TIME, WELLS FARGO ALLOWED XXXX XXXX XXXX ON XXXX SEPERATE XXXX XXXX  I WAS PHYSICALLY INSIDE A WELLS FARGO BRANCH AND MY CREDIT CARDS WERE BOTH TURNED OFF. 
I WILL BEGIN WITH CLAIM AND FILE ANOTHER CLAIM.
Product: Mortgage

About XX/XX/XXXX XXXX XXXX made a predatory loan to me on my home. It was a negative amortization loan which I did not understand. The balanced balooned to $ XXXX when XXXX bought XXXX. I submitted multiple modification requests to XXXX and later XXXX. None were accepted because they kept claiming they lost the paperwork. XXXX sold the note to a hedge fund after a failed attempted short sale. The hedge fund located in XXXX, XXXX has refused various modification proposals and a refinance that I arranged through XXXX XXXX XXXX. They kept litigating to foreclose and take the property away from us. I declared bankruptcy on XXXX XXXX, XXXX and have bought some time but not much. BSI Financial the servicer refuses to cooperate as well. They have given me the run around. My loan number with BSI is XXXX, The loan is under XXXX XXXX. I invested {$450000.00} ( probably more than the hedge fund ) in the house which I bought for $ XXXX in XX/XX/XXXX. The original mortgage was $ XXXX. I got laid off from my job in XX/XX/XXXX from XXXX XXXX but kept up my payments until XX/XX/XXXX. Recently as I expressed to BSI Financial, my income is $ XXXX/month yet they refuse to modify. I also have a commitment from XXXX XXXX XXXX for a {$750000.00} new mortgage which they also refuse to consider. I need your help. We are hard working Americans and I was a XXXX XXXX and have an XXXX from XXXX University in XXXX. The market has been very bad in XXXX but we have been able to survive. I need you to set things right so we do not lose our home. I have XXXX children and have been married for 20 years and together with my wife 30 years. Please help. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were still incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/2022 Sunrise Credit Service furnished an alleged debt to consumer reporting agencies XXXX, XXXX and XXXX. Sunrise Credit Service reported an unauthorized account claiming that it was a collection in the amount of {$370.00} XXXX. Sunrise Credit Service also furnished an address which has no association to me and never has claiming that the address belongs to me along with the alleged debt. Due to the fact that Sunrise Credit Service never sent me any notice, I the consumer was never allowed to dispute the validity of the alleged debt or given the opportunity to avoid the inaccurate, unfair and bias credit reporting that has caused me to suffer great XXXX XXXX XXXX XXXX XXXX. I sent Sunrise Credit Service a notice disputing the validity of the alleged debt and have not received any documentation requested leaving me the consumer to suffer even further. I have no contract, agreement or dealings with Sunrise Credit Service yet they somehow obtained my personal Identifying Information without my knowledge or consent and used it with no authorization from me the consumer. Sunrise Credit Service has invaded my privacy and defamed my character all while using abusive, deceptive and unfair debt collection practices. I will not stand for the abuse and as a consumer I will not allow a fictitious debt collector injure me any further.
Product: Debt collection

Dear, LVNV Funding LLC I am writing to formally request validation of the debt collection account reported on my credit report under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe this debt may be inaccurate, and I am invoking my rights under federal law to verify the accuracy and legitimacy of this information.

Under Section 809 ( b ) of the FDCPA. I am entitied to request validation of any debt a collector attempts to collect, including requiring the original creditor to provide a full accounting of the debt. Additionally, as per the FCRA, Section 611 ( a ), credit reporting agencies are obligated to verify and substantiate information they report. ensuring it is accurate, complete, and fair.

Please provide the following : Verification of the debt, including the name of the original creditor. 
amount owed, and any associated contract or agreement proving my obligation to pay. 
2. {$340.00} 3.

A comprehensive itemization of how the debt amount was calculated.

Copies of any documents that show I agreed to pay the creditor for this debt.

4. Evidence that you have investigated this account as mandated by the FCRA and FDCPA, including any records of communications with the debt collector.

In the event that you can not validate this debt with the requested information, I respectfully request that the collection account be removed from my credit report as per Section 611 ( a ) of the FCRA. Please send written confirmation that this account has been deleted.
Product: Credit reporting or other personal consumer reports

I asked to validate the debt and tell me the steps how you came to that conclusion. What was the steps you took to come to your conclusion. Label it and explain them.
Product: Credit card or prepaid card

I received a letter from Macy 's ( I have an American Express credit card with them ) dated XX/XX/2020 notifying me that I could make privacy choices in three areas to limit the sharing of my information. I called the number they provided. There is an automated menu that they say will " prompt you through your choice ( s ) '' A chart showed that I could limit three types of sharing. 

I found that the automated menu only offered me one of the three kinds of sharing to limit. Once I chose that, I was offered other menus for other kinds of actions, but no more limit sharing. I hung up, called the number again. This time the automated voice told me I had already limited one particular type of sharing, and did I want to limit a second type of sharing. I pressed the number for that, and again, I was not offered any other choices that would lead me to the third kind of sharing. 

I hung up and called a third time -- was not given any choices at all, and so I opted for a live operator. He said he would be able to change my third type of sharing, then told me that I had already opted out of the three types. 

Ideally, I'd prefer this be an " opt in '' method, so the consumer doesn't have to opt out. 
But if that can not be, then I feel that the way this " opt out '' phone menu is designed is deceptive to the consumer, who may go through the first step and think they have opted out of all three types of sharing. There is no reason a consumer should have to call three times to accomplish this, in my opinion.
Product: Money transfer, virtual currency, or money service

I was scammed and the bank did not protect my money. I have hired a lawyer to help me with this case.
Product: Mortgage

I am the executor of my brother 's estate, XXXX XXXX XXXX, XXXX. He lived in XXXX, Maryland and the property address involved is XXXX XXXX XXXX, XXXX, Maryland. We entered into a Deed in Lieu of foreclosure with PNC Bank, upon their request, on XX/XX/XXXX. The attorney handling the DIL has been calling weekly and there has been no progress on the file. PNC has been delaying the process and the property is set in for foreclosure on XX/XX/XXXX. XXXX XXXX XXXX XXXX was paid {$6000.00} for release of lien in XX/XX/XXXX, and this lender has not recorded certificate of satisfaction yet.
Product: Credit card

My credit card was stolen on XXXX XXXX XXXX and several fraudulent charges were made on my Truist credit card. Truist acknowledged that the charges were fraudulent and claimed that the charges would not post to my account, but over {$6000.00} worth of charges did post and they have not reversed the charges four months later. Every time I speak to a customer service rep, they claim that the charges will be fixed in 7-10 business days. This has been going on for four months and nothing has been fixed. My credit score has dropped significantly because of it and they are also charging me interest on those fraud charges.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Chase auto loan sent me a paper lien satisfaction and have not remove the electronic lien on my title stating that they didnt have enough time to file it properly hence why they sent me a paper satisfication. When I took the letter to the dmv, they stated I need XXXX XXXX XXXX dba XXXX XXXX XXXX to remove the lien electronically and the paper lien from chase is no good. Mean while my current auto loan that i refianced the car with XXXX XXXXs charging me XXXXXXXX XXXX  a month till i can get this lien removed so they can place theirs. XXXX can not find the lien. This has been on going issue all of 2022 with no fix in sight