23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PNC Bank Housing Complaint due to Bankruptcy and Foreclosure Financial Elder Abuse as the PNC Bank SCAM/FRAUD victim in the amount of {$900000.00}. Both PNC HELOC loans were part of the {$900000.00} PNC Bank SCAM/FRAUD . I submitted several Hardship Applications to the PNC Bank Loan Hardship Division : PNC Bank, XXXX XXXX XXXX, XXXX, Ohio XXXX. The division Single Point of Contact is XXXX XXXX, phone no. XXXX ext. XXXX, M-F, XXXXXXXX XXXX - XXXXXXXX XXXX  ET. The division email address is : XXXX. The XXXX XXXX, XXXX XXXX can be reached at XXXX. 

PNC Bank has declined to assist me with the Hardship Applications to date for the HELOC Loan, XXXX. Please note the PNC Bank HELOC loan was part of the {$900000.00} PNC Bank SCAM/FRAUD .
Product: Credit reporting, credit repair services, or other personal consumer reports

I've discovered that I am a victim of identity theft. XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX has fraudulent accounts being reported on my credit profile. These must be removed immediately, please and thank you.
Product: Debt or credit management

On XXXX XXXX I unintentionally required with Tomo Credit XXXX 
On XXXX XXXX after realizing my mistake I tried to unsubscribe from the plan. 
I sent email to : XXXX because no other form of communication was listed. 
They never returned a message. 
But have been billing me for services never rendered. 
And I am powerless to stop the gushing of money from my credit card.
Product: Debt collection

2007 chex systems unknown amount saying that they were police officers coming to arrest me if I did n't pay for insufficient funds check
Product: Debt collection

I received 3 phone calls today from Trans World Solutions Inc. one phone call was at XXXX HST, XXXX HST and XXXX HST. All calls came from XXXX. 
During my call i originally spoke with XXXX XXXX. He did not want to give me the company address and transferred me to his supervisor XXXX XXXX who did share the address ( XXXX XXXX XXXX XXXX, DE ) but did not want to share the professional license number. He then Transferred me to the manager XXXX XXXX XXXX. XXXX continued to state that he could not discuss the professional license number with me and then said " since you do not want to confirm your address we can not disclose this matter. '' I requested several times after being on the phone with 3 different people over the course of 10 minutes for a verification of who they were and was unsuccessful doing so. I have no problem paying the debt, but I do have a problem with unprofessional and sneaky service. I should not have to provide ANYTHING to them without them verifying who they are.
Product: Credit card

I called inquiring about service. Thought I was going to go with you. a few hours later I decided not too. You billed me today for services I do n't have .... {$73.00}
Product: Credit reporting or other personal consumer reports

In XXXX if I am remembering the year correctly, I was out with family when I came out to my car and realize it was broken into. At that time I use to place my purse/bag under the passenger seat of my car. I was young and unknowing that I shouldn't leave any belongings in my car when out. Just believing nothing would happen. That bag had multiple cards, debt/credit as well as my original social security card in it when it was stolen. Since then, I've seen multiple accounts appear on my credit report that didn't belong to me. I was told the only way to remove these accounts were by paying them. Younger me not knowing that wasn't the correct way ended up coming out of pocket for a Kohls Department Store credit card settlement under false pretenses that it would be deleted/removed from my credit report. Someone helped and explain to me what was happening and the steps it takes to get my credit report repaired. All other accounts were removed and deleted but, this one account. This is now many attempts to remove this account. It was removed but keeps adding itself back causing sufficient damage to my credit report. 

Under 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

On XX/XX/year> I made an online purchase from XXXX for a XXXX of shoe risers in the amount of {$25.00}. I received the order on XX/XX/year>. Upon receipt of the purchase I noticed that I only received XXXX pair of Rizzsoles instead of the 2 pairs I was to receive. I immediately reached out to " XXXX '' who is the third party vendor that handled the payment and delivery of the items and received no response. I also reached out to XXXX by using the email address they have listed under the " contact XXXX '' section on " XXXX ''. That email address is XXXX. The email was immediately returned as XXXX with the message that stated " Sorry, we were unable to deliver your message to the following address XXXX. Unable to deliver message after multiple retries, giving up ''. I attempted to re send the email two additional times and received the same unable to deliver message both times. I then went to XXXX XXXX and attempted to file a dispute to see if they could help me recover the funds. I used their online dispute function and answered the series of questions that were required in order to complete the online dispute. One of the questions was had I attempted to return the merchandise and I answered " no '' as I had not attempted to return as I had no way of reaching the merchant in order to obtain an address or a return authorization. Upon me honestly answering the question of " no '' I was immediately told that my dispute was rejected and if I wanted to try again I had to mail in a dispute at a later time after I had attempted to return the merchandise. I then reached out to their online chat help and spoke via chat with a dispute associate and I was told in order to file another dispute as my first dispute was rejected for failure to not attempting to return the merchandise I would have to attempt to return the merchandise and then send them a dispute in writing to their corporate address. I have no way to return the merchandise as I am unable to contact or reach the merchant through the email they provided. I also have no telephone number that is listed for them to attempt to contact them. XXXX XXXX has violated my rights under the Fair Credit Billing Act by refusing to investigate and attempt to resolve my dispute. I contacted them within the 60 days of the statement showing the charge as required by law and truthfully gave them the information that would allow them to complete a review and resolve my dispute. However, they denied me for failure to attempt to return the merchandise which was outside of my control. In addition, I was never sent an acknowledgement of my dispute or a reason in writing why they were denying my dispute within the 30 days required by law.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charged off XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$32000.00} Late/Open
Product: Mortgage

Email : XXXX An email was sent to request the revision of the XXXX XXXX file since one or more documents were found with unauthorized signatures. 

The Purchaser ( s ) Signature dated on XX/XX/2020 was not signed by me nor did I give authorization to create the digital signature used on document AMENDATL XXXX. 
The Purchaser ( s ) Signature dated on XX/XX/2020 was not signed by me nor did I give authorization to create the digital signature used on document " Amendment to the Sales Contract, Change Finance Type or Escrow Amount ''.
Product: Credit card

The payment history is not correct on this credit chard. I have called the cc company, I have emailed them, I have sent them certified mail letters, but the information is still incorrect.
Product: Credit card

I made my monthly payment for the balance in full on the due date ( XX/XX/XXXX ) but it is now XX/XX/XXXX and my payment isn't reflected on my account and neither is my correct available balance. My statement is available on the XXXX of each month but it isn't available as of today ( XX/XX/XXXX ) and no one can give me a clear explanation or tell me when my balance will be corrected. I ask for a supervisor 2 times during the day and they are not available. 

The money for my payment has clearly been taken out of my bank by Avant.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report that I did not authorize. Please remove these items as soon as possible. Here are the accounts that is reported on my credit report. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NAVY FCU XXXX
Product: Debt collection

This co. chose to take on an account that they were lied to about stating that it was in collections. They bought the account but never ever contacted me to tell me it was in collections. They just decided to place it on my credit without my knowledge. Now it's time to rectify the error they made and remove it. I didn't know this was on my credit until I got a copy of my report based on another dispute.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, Transunioun and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 

Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. XXXX XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 


The inaccurate reporting of both my account status and payment status by XXXX XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

Full Name : XXXX XXXX Date Of Birth XXXX Social - XXXX This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian block information appearing on my consumer credit report that is the result of identity theft and fraud.

Within 4 business days of your receiving this request, block the fraudulent, inaccurate, and false information, which consists of a personal loan opened at XXXX XXXX on August 30th, 2022, under the account number XXXX. 

In addition, block information regarding a fraudulent personal loan account opened at XXXX XXXX on XXXX account number XXXX. 

The unauthorized accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that all the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights under the FCRA and FDCPA laws. 

For additional evidence of fraud, I can provide a copy of the FTC Identity Theft Report, a police report related to this case, and proof of my identity. All communications and responses regarding this CFPB complaint are to be sent to me via email at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging Equifax 's results regarding the dispute for account XXXXXXXX XXXX XXXX. Equifax notified me that the account was verified but they failed to explain their method of validation. I am having a hard time believing that Equifax did an investigation at all. I am now filing a complaint with the XXXX because this is false reporting and I have notified Equifax of the inaccurate reporting. I also provided proof that I indeed made the payment on time. I will attach the billing error letter along with the proof that a payment was made. Equifax did not provide the name of whom verified the account or any documentation that would allude that this account is reporting correctly. I am demanding that Equifax delete the late payment and update the account to paid as agreed, never late. I do know that Equifax is violating many FCRA regulations and if this is not handled in a timely manner, I will be seeking legal action and compensation of {$1000.00} per violation.
Product: Checking or savings account

I banked with this Wells Fargo for my business banking needs. It was many times that my account had a lot of errors, fraudulent withdrawals and more. I tried to correct many issues until I decided to stop banking with this company. 

I have lost out on a lot of money from these problems I faced while banking with Wells Fargo. 

Many times, my funds were not deposited in total. I had to deal with missing funds in small and large amounts. I had to file many fraud investigations. Many times, my card was charged for thing that I did not purchase. I have had problems with overdraft fees that caused many unpaid bill payments due to lack of funds. It was a total nightmare that led up to me just allowing the account to close on its own.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Complaint Against Equifax for Improper Use of Credit Report Dear Sir/Madam, I am writing to formally file a complaint against Equifax for the improper handling of my credit report, which has occurred for the second time. Equifax has unjustly closed my positive credit card account XXXX XXXX that I have maintained for over a year. This has significantly impacted my creditworthiness and causing undue stress. 

This action has not only affected my credit score but has also triggered my XXXX  and XXXX XXXX further exacerbating my XXXX XXXX challenges. As a consumer, I expect credit reporting agencies to manage my information accurately and fairly, and Equifaxs actions have violated that expectation. 

It is important to note that my credit card account is reported to all three major credit bureaus, and my account with XXXX, XXXX remains unaffected. The discrepancies in reporting and the closing of my account by Equifax are unacceptable. I urge the CFPB to review the dates and the circumstances surrounding this issue. 

I request that the CFPB hold Equifax accountable for their actions and compel them to restore my closed account and rectify my credit report. I believe that restoring my account will not only improve my credit score but also alleviate the mental distress caused by this situation. 

Thank you for your attention to this critical matter. I look forward to your prompt response and action on this issue. 

Sincerely, The same account was reported to XXXX on the XX/XX/XXXX so when it got reported to Equifax on XX/XX/XXXX they closed it. Also on XXXX XXXX they removed it from my credit report.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well, although I must express my profound disappointment and frustration with the recent findings on my credit report. I recently conducted an investigation into my credit history, a process that has left me in a state of severe distress upon discovering multiple unverifiable, invalidated, inaccurate, and questionable items. 

Under the Fair Credit Reporting Act ( FCRA ), it is imperative that the information on my credit report is accurate and up-to-date. Regrettably, the items in question fail to meet this fundamental requirement, thereby violating the provisions outlined in 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). These discrepancies not only compromise the integrity of my credit history but also have had a significant impact on my emotional well-being. 

I have taken the necessary steps in accordance with the FCRA, which includes disputing these inaccuracies through written correspondence. Attached to this letter are copies of all the letters I have previously sent in an attempt to rectify these issues. 

I am reaching out to you in the hope that your agency will promptly and thoroughly investigate these matters. It is essential that corrective actions are taken to ensure the accuracy and fairness of my credit report. The persistence of these inaccuracies not only undermines my financial standing but also violates the rights afforded to me by the FCRA. 

I kindly request your immediate attention to this matter and the initiation of a comprehensive investigation into the aforementioned discrepancies. Your cooperation and prompt resolution of these issues are crucial to restoring my faith in the credit reporting system. 

Thank you for your attention to this urgent matter. I anticipate your swift response and resolution to bring my credit report into compliance with the FCRA.
Product: Credit card or prepaid card

I was mailed a letter of Denial from Sychrony Bank stating that I requested to open a Credit card with paypal Credit. 
The date of the letter is XXXX/XXXX/2019. 
The application date is XXXX/XXXX/2019. 
The individual used a previous address for the application. ( XXXX XXXX XXXX XXXX XXXX  XXXX, North Carolina. XXXX ). 
The Reference Number for the transaction or letter is XXXX  : XXXX. 
I recieved a second letter of denial dated XXXX/XXXX/2019. This letter is from Synchrony Bank also. They stated that they were unable to open a paypal credit card. The individual used the same former address ( XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX ) The reference number for this transaction or letter is Reference : XXXX The application was done XXXX/XXXX/2019. 
I tried to get some of the credit bureaus to remove old addresses and some of them refused. I have put freezes on some, but there remain a few I can not do. This is the reason im reporting or making a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX-XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below  to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Money Order Submitted for payments for XX/XX/XXXX XXXX Amount of payment tendered {$940.00} 2 Amount of payment tendered {$26.00} XXXX Claims of deceptive representations to consumer about its intentions to report negative false information to Credit Bureaus. 
cc. file XXXX XXXX