23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

PNC misled me into believing that I was receiving a 0.25 % interest discount on my outstanding loan balance for setting up an ACH and having the monthly payment deducted automatically. On more than one occasion over the past few years ( XX/XX/XXXX through XX/XX/XXXX ) I was told that I was getting the discount. During a recent inquiry, I was told that I was not getting the discount. This occurred in XX/XX/XXXX on a call to the PNC customer service center and again on XX/XX/XXXX by XXXX XXXX in a separate call. I filed a complaint with PNC. # XXXX  on XX/XX/XXXX and was told I would get a response within 10 days. On XX/XX/XXXX I followed up with PNC because I had not received a response and I spoke with XXXX XXXX in the escalation team who set out to research the issue. I was told on XX/XX/XXXX that the contract we signed in XX/XX/XXXX was tied to a specific checking account and the ACH had to come from that account in order for me to get the discount.

So here is where I was misled. First, for background, we renewed our line of credit in XX/XX/XXXX and continued to pay down the existing balance. When the balance was XXXX, we determined that we did not need the checking account and it was closed in XX/XX/XXXX. On XX/XX/XXXX, we needed to access funds from the line of credit. I visited the PNC branch on XXXX XXXX XXXX in XXXX Ohio to inquire about the ACH and discount. I was told by the banker that an ACH from any checking account would qualify me for the discount so I set up the ACH at that visit using my current primary checking account. I trusted that the banker knew PNCs policy with regards to the discount and would not mislead me into thinking I would get the discount if I would not get it. Also, since the previous checking account was closed there was no way for me to get the discount unless we modified the existing agreement which I was not given the opportunity to do. Furthermore, I should not have been consistently lied to when I inquired about the discount.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint ( this time ) is with XXXX I'm getting extremely tired of doing this!! 

The biggest scam going on in the credit reporting market is how all these companies operate. I'm not paying for their services if all I receive is a summary and a score. They completely " play us for XXXX  '' by hiding information, information that needs to readdressed by Congress on what we should be entitled to! Who knows ... this might be changing yearly by financiers. And XXXX, a XXXX XXXX service, needs access to our phones for simply log-in purposes. 

Reporting is not monitoring and this needs to come down hard on all the three major credit bureaus. Inquiries run rampant as far as I'm concerned, and bills go unpaid to their pleasure!! Something needs to get done drastically.

... And all I'm simply looking to do is to see what my Debt to Credit ratio is!!!!
Product: Debt collection

On XX/XX/2018 I instructed verbally and in writing Attorney XXXX NOT to use my CREDIT CARD. He used it anyway. I request a REFUND on my XXXX card.
Product: Debt collection

Filed Chapter XXXX Bankruptcy in XXXX case XXXX. I signed a reaffirmation agreement with Bank of America on XX/XX/XXXX taking the amount of the loan from {$68000.00} to {$45000.00} leaving a cram down amount of {$23000.00}. Per the debtors confirmed bankruptcy plan docket XXXX filed on XX/XX/XXXX Bank of America had the right to place the {$23000.00} with the Class 7 unsecured claims and failed to do so. By Bank of America not petitioning the cram down amount to be placed in the Class 7 claims at confirmation of the plan as stated in the Class 7 claims and Class 2 claims that debt should any lender not file a proof of claim, not contest any amendment disputing their claim, nor contest an objection made to their claim, such claim shall be treated only as a Class 7 claim, if allowed, and such lender shall be bound by the 524 injunction issued at confirmation of the Plan. At this time Bank of America,  XXXX / XXXX and XXXX XXXX have all violated the plan by asking for this discharged debt. XXXX XXXX has included this cram down in my payoffs and in the foreclosure action taken against my loan. As I stated in my previous CFPB complaints BAC placed insurance on my loan per the loan history in XXXX while this property was under a federal stay. This was an encumbrance on the debtor and the asset and a direct violation of docket 382 ARTICLE IX section 3 ( iii ) ( iii ) creating, perfecting otherwise enforcing in any manner, directly or indirectly, any encumbrance of any kind against the Debtor or the assets of the Debtor or the Trust or any direct or indirect successor in interest to any of the Debtor, or any assets of any such transferee or successor other than as contemplated by the Plan ; The plan prohibited Bank of America to place insurance and charge the debtor while the debtor was under a federal stay. The Plan prohibits XXXX to collect the amount of {$19000.00} listed as BK cost under FEE DETAILS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$400.00} COLLECTIONS XXXX {$4900.00} XXXX XXXX {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a house mortgage, and I was not able to get my credit report from Equifax. I called them and they said that they don't have my information on file. They even blamed credit card company not send credit report to them, which is not true based on my research. This has caused a lot of trouble for me. The delay of house mortgage application may bring me huge financial loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 10 Account name : XXXX XXXX XXXXXXXX Account number : 01 Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Debt collection

During the month of XX/XX/year>, I attempted to go online & pull my credit report. With all 3 credit bureaus, I was informed that I was not providing enough information to verify my identity. This made me question, if there had been any identity theft issues with my credit. As a result, I ordered all three of my credit reports via mail, in order to submit additional information to verify my identity. Upon receipt of my credit reports, I noticed accounts that were not my accounts. I never opened these accounts or gave permission to have these accounts opened. I also noted inaccuracies with the spelling of my name & previous addresses. 

PLEASE REFERENCE THE FTC IDENTITY THEFT REPORT ATTACHED dated XX/XX/scrub>XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XX/XX/1992 XXXX In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX # has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights 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 consent. An account was made for {$75.00} dollars without my written consent to furnish this account. Please remove immediately it's hurting my livelihood. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over and over I contacted Equifax in regards to inaccurate information that was reported on my credit report which only led to months of frustrating phone conversing and weeks of faxing personal documents which only lead to further frustration
Product: Credit reporting or other personal consumer reports

CFPB Dispute Against Credit Bureaus XXXX Experian, XXXX, XXXX ) for Reporting Unverifiable Debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Respondents : Experian XXXX XXXX Subject : Formal Complaint Against Credit Bureaus for Failure to Remove Unverifiable Debt Reported by XXXX XXXX XXXX, XXXX XXXX of the Dispute I am filing this complaint against Experian, XXXX, and XXXX for failing to follow their legal obligations under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) by continuing to report an unverified collection account from XXXX XXXX XXXX, XXXX ( XXXX, XXXX ). 

Despite multiple disputes and complaints against XXXX XXXX, the credit bureaus have continued to verify the accuracy of an account that XXXX XXXX has failed to properly validate. 

This is a direct violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to conduct a reasonable reinvestigation and delete information that can not be verified.

Violations by the Credit Bureaus 1. Failure to Properly Reinvestigate & Remove an Unverified Debt ( FCRA 1681i ( a ) ) XXXX XXXX XXXX failed to provide a signed agreement, proof of ownership, or chain of title for the alleged debt. 
Despite this, Experian, XXXX, and XXXX have continued to verify the account without any basis, which violates their legal duty to ensure that only verifiable and accurate information is reported. 
Under FCRA 1681i ( a ) ( 5 ) ( A ), any unverified debt must be permanently deleted. 

2. Reporting Inaccurate and Misleading Information ( FCRA 1681e ( b ) ) Credit bureaus have a duty to ensure maximum possible accuracy in consumer reports.

Continuing to report a disputed and unvalidated debt misleads creditors and lenders and causes undue harm to my credit profile.

This is a willful violation under FCRA 1681n, exposing the credit bureaus to legal liability.

3. Violation of Consumer Rights Under FCRA & CFPB Regulations The CFPBs guidelines require credit bureaus to remove unverifiable accounts after a reasonable dispute investigation.

The failure to act suggests that the credit bureaus are rubber-stamping verification requests from XXXX XXXX without actually investigating their legitimacy. 

Attachments ( Supporting Evidence ) XXXX. Debt validation request sent to XXXX XXXX XXXX ( XXXX failed to validate ). 
XXXX. XXXX  response to CFPB complaint ( showing lack of verification ). 
XXXX. Experian, XXXX, and XXXX credit reports showing XXXX, XXXX still being reported. 
XXXX. Illinois Attorney General complaint & IDFPR complaint filings showing XXXX  questionable debt collection practices. 

Complainant Signature : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account. XXXX XXXX, XXXX # XXXX, XXXX XXXX, XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I previously submitted this complaint under complaint under case # Case XXXX. The CFPB closed the case after Capital One responded without allowing me to respond. Capital One lied in their response. I attached their response letter to this case. I also attached proof of their lie. They claimed that they are unable to provide a refund because I did not respond by their deadline by XX/XX/XXXX. This is false. They emailed me another link to upload my response on XX/XX/XXXX to allow for me to respond. I responded that same day on XX/XX/XXXX. I attached the relevant email from Capital One that confirms this. I uploaded my information pertaining to this case to their system with the link that they provided in their email. 

Original complaint : " I was charged by mistake from the merchant, XXXX, without any provided services on XX/XX/XXXX. I never signed up for recurring charges. I contacted the merchant on XX/XX/XXXX, to cancel the service. I noticed the issue after a review of my bill. I contacted the merchant on XX/XX/XXXX, and the merchant agreed that it was in error. The merchant explained that they are not able to issue a refund for charges of {$240.00} on XX/XX/XXXX, and XXXX on XX/XX/XXXX, because they changed their merchant services to a different one since the charges were made. They advised that I make a credit card dispute for a chargeback to get a full refund. My credit card company, Capital One, asked me for more information about the charge. I completed their questionnaire and mailed it to them. They never received it and closed my case. I called Capital One afterwards and explained that they should have received my questionnaire. Capital One emailed a link for me to upload my questionnaire and reopen the case. I submitted the information to Capital one via their emailed link. Afterwards, Capital One denied my claim for full refund for the charge on XX/XX/XXXX, because they told me that it was over 180 days. The other charge on XX/XX/XXXX, is still being reviewed by Capital One. The charges are fraudulent and in error. The merchant wants to issue a refund, but they are not able to. I submitted evidence to Capital One of my cancellation of the service on XX/XX/XXXX, and the merchant 's agreement to issue a refund, but not being able to on XX/XX/XXXX. Capital One has the only access to the XXXX dispute process to allow for a refund and they are unwilling to cooperate. '' I attached all of the relevant information that was attached to the previous case. Please reopen this case and assist in my complaint against Capital One. Their response is not true and should not allow for this case to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received letter in the mail from XXXX XXXX stating they could not open credit line for me. I never applied to this bank/merchant for any credit. 
I requested credit report from Experian and it showed hard inquiry on it from this bank. It took place in XXXX and while I do have credit monitoring with Experian- they never alerted me to this inquiry. I called XXXX XXXX  also and XXXX confirmed that someone did try to open account/credit line and they used my XXXX XXXX
Product: Debt collection

Company called and said they was with zocalones trying to collect a debt. I said cease and desist and yet they called and disclosed my personal information to my ex-wife to my sister-in-law to my brother to my mother. They said I compliance officer will be at my house at XXXXXXXX XXXX  tomorrow even though I know that's a lie because of Kentucky we have sheriffs and the sheriff 's will come and serve you papers.
Product: Checking or savings account

On XX/XX/XXXX of this year I called Ally and asked them to close my CD account number XXXX and mail me the check for {$51.00}. XXXX. I have never received the money. 

On XX/XX/XXXX, since I still hadnt received the money, I asked that the amount be deposited into my checking account number XXXX. Instead, that account was closed and that {$4000.00} balance was mailed to me. 

I have still not received the CD amount after five customer service calls. Ally claims two checks were mailed to me but have not provided proof. They claim the first was returned to them and the second lost mysteriously in the mail. That is impossible to believe ; I have received many dozens of correspondences by mail from them over the XXXX years Ive had an Ally account including a statement last week. 

W/e XX/XX/23 I made my XXXX call to customer service and asked for a supervisor. When I asked that the alleged second check be cancelled and the amount deposited into my checking account they had mistakenly closed, I was told by this supervisor that I would have to fill out a Lost Check Affidavit which includes this language : I also understand that the Bank has the right under the Uniform Commercial Code to require me to wait 90 days from the date of the original check before it issues me a replacement check. I obviously will not agree to that. 

I suspect this is Allys coordinated attempt to delay returning my money to me. But even if it is only systemic incompetence on Allys part, this is willful bad faith and has deprived me of seven weeks of interest payments with no progress toward receiving payment. 

Can you help me collect the money due to me for over 2 months? Thank you. 

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

FCRA 611 ( 15 U.S.C. 1681I ) Account has been disputed with Credit Reporting Agencies multiple times- still appearing on my accounts. Attached is a dismissal from XXXX XXXX XXXX verifying this information was incorrect & ordered by the court. 

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

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

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

Back in XXXX I was served with Summons from Selip & Stylianou. Was told I was being sued for debt. My court date is XX/XX/XXXX. I have been asking since end of XXXX them to provide proof of debt. They want to collect {$3800.00}. I asked them to have their client send me any and all documents they have to support this total.I want to see exactly how they arrived and this total and figured late fees and interest. 

I received a letter from the original creditor today. Did not contain any information other than the account name. They are now saying I need to send them payment, but did not even list a balance. Why are they trying to collect the debt when Selip & Stylianou told me they are handling it? 

They have been stalling me for almost two months now, so they can go to court and get a default judgment. I offered to settle, but wanted to verify the amount first. They refuse to provide me the info I have requested.