23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I walked in to the PNC branch located in XXXX Illinois on XXXX and XXXX XXXXXXXX. When I walked into the bank I was ecstatic to open up a bank account with a check from a family friend that was given to me and my family due to my mothers death. The check was over {$10000.00} and from the beginning I had a problem with PNC bank. The check was to be released in XX/XX/XXXX They began to put an extra hold on the check stating that they couldnt cash it unless they talk to the person who gave it to me. They also stated they had talked to the bank that the check came from. They also told me if they never talk to the bank or the person who gave me the not they can hold a check to XXXX. I was also accused of embezzlement and fraud. I did what they instructed I got in contact with the person who issued out the check and with the bank, when the parties tried to get in contact with PNC Bank, they informed me that PNC Bank refused to talk to them. I then put in a complaint With you guys on XXXX XXXX. PNC executive bankers reached out to me the following day and they did release the money, after I had to show them the letter that the check came in also the note that was attached to the check, proving that it was a gift from my family friend. After being so insulted and miss treated by PNC bank I went to their other branch on XXXX and XXXX XXXXXXXX Illinois and ask for a cashiers check and asked to close the account they did give me a cashiers check and close the account. I went to take the cashiers check to another bank XXXX located on XXXX in XXXX XXXX in XXXX, Illinois so maybe to open up a new account and start fresh. XXXX, flag my account and said the cashier check was fraud from PNC it was not a legitimate check. I dont know whats going on with PNC Bank but something needs to be done. why are you trying to keep my money from me??????!!
Product: Credit card or prepaid card

After I requested BofA accommodate my XXXX, they told me they had 30 days to serve the XXXX after the XXXX request equal access. This was confirmed via bank reps and reps at XXXXXXXX XXXX XXXX XXXX contractor. Why cant the XXXX be served the same day as able bodied people? Why do I need to wait just because I am XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three 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
Product: Mortgage

On XX/XX/XXXX I received a letter from XXXX, stating that effective XX/XX/XXXX Mr. Cooper will become my new Mortgage Server. Mr. Cooper was my mortgage server until XX/XX/XXXX. During that time frame, less than a year, I received over 100 letters from Mr. Cooper, harassing me to buy a new home, modify, or refinance. I called Mr. Cooper several times demanding that this company stop harassing me, because, I was not interested in buying, modifying, or refinancing. Often times, while speaking with customer service over the phone, regarding the harassment, I received XXXXXXXX XXXX and XXXXXXXX XXXX and I could hear, demeaning comments in the back ground. Even after I stated numerous times to stop harassing me about modifying, refinancing or buying a new home, Mr. Cooper repeatedly sent mail. In XXXX, I received some fraudulent documents in the mail claiming that in XXXX, Mr. Cooper own my loan. This is a Lie. Mr. Cooper was my Mortgage Server from XX/XX/XXXX thru XX/XX/XXXX. The fraudulent documents had been whited out, blacked out, and my name and signature had been copied and pasted, even forged to these fraudulent documents. Mr. Cooper has continually, violated my civil rights. Mr. Cooper was my Mortgage Server from XX/XX/XXXX thru XX/XX/XXXX. I had no dealings with Mr. Cooper in XXXX. And I have the documentation. Material that provides official information as my evidence, and my record. I have never done a home modification. These documents involving Mr. Cooper, were done with the intent to deceive, which is criminal deception. Mr. Cooper has violated my civil rights.
Product: Money transfer, virtual currency, or money service

For years now I have been receiving unauthorized transactions from cashapp. I cant hold money without my card being locked it used to take money from any bank I had linked. Ive also ordered many cards but keep having the same issue.
Product: Debt collection

Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit. I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSIBLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR, I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute over owing this debt. Thank you for your immediate cooperation.
Product: Credit reporting or other personal consumer reports

I sent letters to XXXX and all three credit reporting agencies disputing the accuracy of the information being reported against me. The dispute results came back as verified. In frustration one night as I could not sleep, it was about XXXX I remembered that I could file a report with CFPB and I did, however I did not provide supporting documents as I was zombified and wasn't thinking straight, and I am guessing XXXX XXXX sent something along the lines as verified, and the complaint was closed. I consulted a friend who is a consumer law attorney, and he explained that I erred when I did not provide any documentation with my complaint. This is the reason why I am filing a new complaint with the supporting evidence that this account is closed and I have a payment agreement with XXXX XXXX to pay {$50.00} every XXXX day of the month until the balance is cleared, and I have uploaded the agreement with the payments that were made and will continue to be made until the balance is {$0.00}. I have enclosed a statement from my checking account to show the payment made in XXXX of 2023 and I am pleading for help. XXXX XXXX is using their power to bully consumers like myself who can't afford to hire an attorney. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had several loans for jeeps in the last XXXX  years. This particular loan was to be paid on a trade. the loan was with XXXX XXXX I found a new jeep ( licensed XXXX XXXX ) they ran my credit, and my application, got the loan approved. 

ordered the payoff on my trade ( another jeep with XXXX XXXX ) they added the payoff amount to the contract, along with all the down payment costs and typed all into the legal loan agreement. 

I signed over the release of liability along with the payoff figures that were verified at the time of signing. giving them my XXXX year old jeep as a trade, my check for the downpayment and a took possession of the new jeep. 

a few days later, I called them to make sure they are sending the payoff. they said, yes. then, a couple weeks later. I called again, they said they called the XXXX XXXX. I was like ok. then in XXXX I called XXXX XXXX they said. they hadn't received the payoff. I called the dealer again, they sent the incorrect amount. Then the account was short all kinds of fees and penalties. I then paid them because they were destroying my credit over XXXX!!!!! when the payoff for {$23000.00}. this happened in XXXX and have tired over and over and over again to get them to fix the lates on my credit report. they have not helped me or even opened my mail to look at the documents. they have killed my credit report and rating. turns out this dealer and XXXX has been Notorious for holding payoffs, and having customers pay fees and fines to enrich their company and shareholders. 

The dealership was eventually shut down by the Attorney General and XXXX Just closed her eyes and pretended like it never happened and they are still reporting the lates on my credit report they have cost me substantial financial harm because I've had to pay higher interest rates due to their mismanagement and clear greed.
Product: Vehicle loan or lease

I called the company ( XXXX ) and explain to them that I could not afford the vehicle payments and I return the vehicle to them. Now, they have sold the vehicle at a action, My credit report show they charged off {$9100.00} and written off {$14000.00}. I know that I should have received a XXXX for tax purpose 's and I never received XXXX. However, The company was able to do a tax write off. This needs to be removed from my credit report. 

Thank you for reviewing this and taking the necessary steps to rectify this issue.
Product: Mortgage

Mortgage Servicing Fraud False fraudulent statements by XXXX XXXX and XXXX XXXX Not sure why Suntrust would employ XXXX fraudsters in the banking business to deal with issues of this nature - XXXX employees that constantly provide written falsified evidence even in contradiction with the Suntrust statements - maybe they believe that the borrower has No original receipt or statements? Well No such LUCK! 

Suntrust employees providing falsified written evidence about the time line when payments were received -letters do not correspond the statements or payment receipt. 
This will only address the late fees charged by SunTrust for the XX/XX/XXXX, XXXX & XX/XX/XXXX payments@XXXX which were made on time and also reported delinquent to the CRA 's. 
The borrower was charged late fees for these on time payments ( see attached letter ) Suntrust XXXX XXXX after her investigation states that : - XX/XX/XXXX payment was received XX/XX/XXXX ( see letter ) when infact it was XX/XX/XXXX according to statement & payment receipt. 
- XX/XX/XXXX payment was received XXXX ( see letter ) XXXX when in fact it was XX/XX/XXXX according to statement & payment receipt. 
-XX/XX/XXXX payment was made XX/XX/XXXX ( see letter ) XXXX when in fact it was XX/XX/XXXX according to statement & payment receipt. 
By concealing the time line of these made payments Suntrust will try to conceal & justify {$280.00} charged for late fees. 
The late fees charged for XX/XX/XXXX through XX/XX/XXXX for all on time payments will also be addressed a total of {$920.00} ( including the above {$280.00} ). 
It took years to gather evidence against these XXXX individuals ( some of the responses are letters addressed to my CPA )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX I am writing to inform you that there is 100 % improper use of the credit report attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, birth certificate, driver 's license, and a w2.This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN. POTENTIAL LAWSUITS LIST : XXXX, XXXX and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. 15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX - Account Number XXXX XX/XX/XXXX XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name XXXX XXXX XXXX Original Creditor : XXXX - Account Number XXXX XX/XX/XXXX Transunion / XXXX / XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
Account Name XXXX XXXX Original Creditor : XXXX XXXX - Account Number XXXX XX/XX/XXXX Transunion / XXXX / XXXX I never HAD A CONTRACT WITH THIS COMPANY. PLEASE REMOVE THIS. 
XXXX Inquiries XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection Agency called XXXX XXXX is reporting an account to all three credit bureaus as open in XXXX. I have disputed this several times in the past few years that the account is not mine and no one has sent any proof of the account. My credit file a few years ago showed this account as closed in XXXX, yet now XXXX XXXX has changed from closed to open, more than once causing my credit score to drop XXXX or more points. The credit reporting agencies are not doing anything but accepting the word of the collection agency without any proof of this account being opened by me and the collection agency XXXX XXXX refuses to report it was closed by XXXX XXXX in XXXX the credit reporting agencies XXXX , Equifax and XXXX , are only stating on my file that the dispute was resolved but consumer disagrees. 

This is very wrong!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX has XXXXiolated my rights 15 U.S.C 1681 Section 602A. 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: Checking or savings account

On XXXX XXXX early in the morning, I notified Bank of America that my car had been broken into and my wallet have been stolen. The theft happened at dawn at the gym I attend and as soon as I was done with the Police and returned home I reported to BOA that i have been a victim of identity theft. I requested them to cancel my ATM card and block access to my checking account. The very next day, the thieves were given access to my full account balance and were able to withdraw and overdraft my bank account. BOA failed with their security measures. The thieves use my FL Drivers License and possibly my ATM card. I know this because I talked to the branch manager of the location where the thief made her appearance. Over the course of the past months, I have had numerous conversations over the phone requesting information on my case. I was told than an analyst investigating the case will call me and that calll has never happened. After receiving no response, on XXXX XXXX I submitted via fax a formal letter requesting BOA to explain how they failed to secure my account, implement extra security measures in my new account and make the funds they have frozen available to us, the account holders. I attached to this request the Police Report from XXXX XXXX, proof of my identity and a copy of the Notice to Furnishers of Information provided by the FTC when I file my identity theft report. BOA only responded until XXXX XXXX by email. The notified me that the claim will not be honored and that the temporary credit issued on XXXX/XXXX/XXXX of {$1800.00} will be reversed on XXXX/XXXX/XXXX. I called to ask about all the documentation I submitted on XXXX the XXXX but the documents were nowhere to be found on the case. I immediately resubmitted the documents via fax and certified-signature required mail. I requested to respond within 5 business days. XXXX XXXX and again today, XXXX XXXX I called to check on the status of the claim and the received documents but once again BOA did not have them on record. I had to send them again today ... now for the 6th time. I was told again, that the analyst will call me. As of today is almost 6 months after my identity and money has been stolen and BOA has still to provide an explanation on how they failed to secure my account, failed to follow up on the investigation, failed to follow up on the documents I 've provided and failed to give me a resolution so I can put this behind and move on. BOA is consuming a lot of my time. I am hours away from them taking out funds from my bank account again and zero answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is violating my federally protected rights and reporting misleading information I have not given them permissible purpose to use my furnish my private personal information also The CIVIL COURT OF THE CITY XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) Did not furnish the information therefore it can not be verified as accurate stating that the information is verified is fraud and misleading and is a violation of federal Law. instead you infringe upon my privacy.
Product: Money transfer, virtual currency, or money service

I was called by a person who represented themselves as a member of the SBA they stated that I was chosen for the 7A loan program but needed to be current on my loan. At their advice I sent the payment amount they provided to the account in which they also provided. I was told this would reflect on my account and allow me to move forward with receiving funds for my business. A day later I found that this individual did not represent Hey XXXX and or the SBA I immediately contacted the internet fraud division of the FBI, FTC and SBA to report it. I was told I could dispute this with my bank. My bank denied the dispute saying that because it was XXXX XXXX they could not assist.
Product: Money transfer, virtual currency, or money service

Thursday, XXXX XX/XX/year>, I transferred {$1500.00} from one of non-USAA bank accounts into my USAA checking account.

They accepted the transfer l, but placed a hold on {$1000.00} ( a portion of the transfer ). They refused to release my money. They said they could not release my money brocade I had an overdraft on XXXX XXXX XXXX XXXX days prior to this transaction. 

Between XXXX XX/XX/year>, I made XXXX other transfers totaling {$1700.00} and none of those smaller transactions ( all took place closer to the the accidental overdraft date that was corrected within XXXX hours ) were placed on hold. 

They were clear that this was punishment for an overdraft on XXXX XX/XX/year> that was corrected on XXXX XX/XX/year>. 

They told me there was no complaint department. I could not speak with a supervisor and the only explanation I was provided with was they are allowed to place holds on any transfers and this was punitive due to an overdraft that took place 21 days earlier and was corrected within XXXX hours. Even though XXXX other transfers took place prior to this one and none of those were placed under hold. They chose to hold a portion of this transfer and allow a portion to be deposited. 

They refused to transfer the funds back to my sending account ( different bank ), told me to use my credit card ( {$190.00} available credit ) to offset the {$1000.00} they are holding and then suggested I apply for a personal loan if I need money. 

Again, they refused to allow me to speak with a supervisor and they refused to explain how I could file a formal complaint.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I received my Social Security deposit into my bank of America checking account. On that day, a transfer or transaction was executed on my account, and {$4900.00} was taken from my account. I have no record on my online account of any transaction, no XXXX account set up, and no recipient name is set up or recorded on my account. Bank of America told me that some " inside money transfer was made from my account '' I noticed the negative balance on my account in less than 24 hours. I called the bank on the night on XX/XX/XXXX and recorded over 2 hours of a phone conversation with the bank.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 
XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$0.00} Account number : XXXX XXXX XX/XX/XXXXXXXX XXXX Opened XX/XX/XXXX With a balance of {$2100.00} Account number : XXXX XXXXXX/XX/XXXXOpened XX/XX/XXXX With a balance of {$5.00} Account number : XXXXXX/XX/XXXXXXXX Opened XX/XX/XXXX With a balance of {$0.00} Account number : XXXXXX/XX/XXXX XX/XX/XXXXXXXX Opened XXXX XXXX, XXXX With a balance of {$1200.00} Account number : XXXXXX/XX/XXXXopened XX/XX/XXXX with a balance of {$2000.00} ACCOUNT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX opened XXXX XXXX, XXXX with a balance of {$920.00} ACCOUNT : XXXX XX/XX/XXXXopened XX/XX/XXXX with a balance of {$0.00} ACCOUNT : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with a balance of {$2000.00} ACCOUNT : XXXX There are two addresses that shouldn't not be reporting which are : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX All of the aforementioned accounts, addresses and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint ( # XXXX ) ( # XXXX ), as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.