23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I noticed that my escrow payment went up {$280.00}. When I called, PNC explained that a needed to carry a certain percentage over my obligations " just in case ''. After I thought about it, I called back and a new person told me that my taxes and insurance must have went up by a few XXXX dollars per year and that I would have a big payment that month. After noticing the same increment on XX/XX/XXXX, I called my insurance and tax collector who confirmed that my annual amounts did increase by a few XXXX dollars. After doing the math, I will have paid PNC bank {$9100.00} by XX/XX/2022 where my annual expenses don't exceed {$6300.00}. I called PNC bank again on the XX/XX/XXXX and talked to XXXX who first asked me to make a {$2200.00} escrow payment. I said " absolutely not '' and he told me that he understood and will request that I manage my own escrow. He also told me that I would hear back in 10 days, which I did not. I called PNC bank again on the XXXX of XXXX and spoke to XXXX. Not only did she tell me that she couldn't find my request, but she said that this " wasn't something that they could even do. '' When I pressed for a resolution, she told me to email a letter to XXXX which I did on the XXXX of XXXX. It's been nearly 2 months since I asked for PNC bank to stop illegally taking my money and their staff seem ill equipped to resolve this issue. Even after my first tax disbursement in XXXX, I still won't be close to have a XXXX XXXX and will be well over 10 % in escrow. As a consumer, I shouldn't be forced to provide a bank an interest free loan.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2022, in an attempt to clear up the confusion with Zelle I called XXXX XXXX the day prior and ask him for help to clear up the confusion between the emails and the phone numbers within Zelle after getting more information I tried to contact Zelle on their website they only have an address and they emailed I emailed them and the email did not work so I have no recourse but to put it in the complaint about their company until I remedy the situation I have between the accounts at Zelle in between the banks in the phone numbers so I know exactly how my money is coming and going
Product: Checking or savings account

HARASSMENT BY THE WELLS FARGO ASSOCIATE PERSONAL BANKER NAME : XXXX XXXX, XXXX ID : XXXX XXXX  XXXX XXXX XXXX XXXX Explanation of the incident : I went to the wells Fargo bank  XXXX XXXXXXXX XXXX  to withdrew {$8000.00}. Bank teller ( cashier ) verified and gave me the money. I asked the teller that I want to count the money. And she told me to go to this room and count your money. I said thank you I went to the room to start counting the money and I heard someone knocking the door, I stop counting and open the door. The guy name XXXX XXXX is telling me I can not count the money in here. I said why? and where I can go and count the money? He said go to your car and count the money. I said no I have to count my money inside of the bank and I will leave. He was shouting with me in front of the other customer. He was harassed me in front of the other customer. I was insulted by him. Counting money is not a crime and his attitude was telling in front of the other people I am a criminal. I want the authority needs to take an action against of him. He damaged me by harassing me in front of the public. I need a legal action about him.
Product: Debt collection

I have tried numerous times to contact Southwest Recovery XXXX in regards to a debt on my credit report. I have no idea who this company is. They have refused to contact me back, answer any phone calls and to this day I still do not know who they are. Requesting assistance to have removed from credit report.
Product: Credit card

We were charged interest and fees in the amount of {$46.00} in XXXX 2015, because American Express stated they did not receive our scheduled electronic payment. Upon further investigation with our bank, XXXX, it was discovered that indeed they were paid the full balance on the scheduled due date of XXXX XXXX, 2015. I contacted American Express ( XXXX ) and spoke with a customer service supervisor, XXXX, who refused to credit our account because I did not contact her earlier, they have a XXXX month time frame.
Product: Credit reporting or other personal consumer reports

there is another dispute XXXX that was opened for a different account. I wish to make sure that both accounts are reviewed, corrected and updated.This is not a duplicate complaint. 

XXXX XXXX debuted a new program financing classic automobiles through dealerships that they would finance a vehicle dating back to XXXX. I financed XXXX vehicles through a local dealership. The first vehicle was purchased and financed in XX/XX/XXXX, loan XXXX, XXXX XXXX XXXX. The second loan, XXXX, was purchased in XX/XX/XXXX. It was a XXXX XXXX. I made payments until I received a call from the dealer ( and did a conference call with the XXXX XXXX ) that the loans would have to be paid because XXXX would be unable to get a lien for these vehicles because New York XXXX does not issue titles for vehicles built prior to XXXX. XXXX had not done their due diligence because they were unaware of New York XXXX law/guidlines as repect to titles. Subsequently, they changed their XXXX XXXX policy to accept only vehicles newer than a XXXX XXXX was paid first with a check from the dealer on my behalf XX/XX/XXXX ( copy enclosed ). The other loan was paid in full with a check dated XX/XX/XXXX. This normal payoff was received by XXXX via XXXX on XX/XX/XXXX but not posted until XXXX copy of the ups details is attached. 
The first paid loan ( XXXX ) was reported to the credit bureaus as Paid in full as agreed. Although the second loan was paid in full in XXXX the credit report still showed a open loan in XXXX and XXXX. On XX/XX/XXXX I applied for another loan through XXXX and was declined due to a repo or chargeoff. After being on hold for XXXX minutes, I was informed that it was an internal error and would be internal only and not reflect on the credit reports. I immediately contacted the dealer who contacted XXXX many times. Many people involved all state that it is an internal error and needs to be corrected but no one can correct it because NO XXXX has access to change the computer. As a result, my credit report currently shows XXXX chargeoffs which NEVER existed and this whole issue is a direct result of negligence on the part of XXXX for failing to due their due diligence. I know the email chain involved higher management and as a result they did issue me an approval ( based on an exception ) with a ridiculous fee and rate which was based on credit based on XXXX chargeoffs ( which are theirs and are inaccurate ). Many calls to customer service result in saying that someone will get back to me ( and no one ever does ) and that it is above their grade to be able to assist. I know the dealer, who has been fully transparent, has been working on this non stop also to no avail. 
XXXX more thing. The first loan that was paid, the XXXX, XXXX, which had been reported paid as agreed was changed to a chargeoff with the XXXX reporting. This was a willful vengeance act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recently finished XXXX XXXX and I was applying to every job search engine I could. I was under tremendous stress from both parental and employment factors to find a job using my education. On XX/XX/2015 I was contacted via email by a woman named XXXX XXXX from a company called XXXX XXXX. She said she was from the HR department and that she found my resume on the internet. She also like my education and job experience. The position was for XXXX XXXX XXXX XXXX XXXX, which was right up my alley. She asked me to fill out an application via email and that she would review it and get back to me. She said the company reviewed my application and they wanted me to begin initial online training. I was assigned a training manager by the name of XXXX XXXX. He had my do various exercises and we began a training process. Once training progressed, XXXX told me I would be purchasing items they would need to open other offices around the US. He told me to temporarily apply funds from their corporate account to my Capital One credit card until I was given a corporate card from the company. I was given addresses of where to send the items I purchased and report to XXXX upon completion of each assignment. Roughly 4 weeks later Capital One reached out to me and wanted to speak with the account holder and not thinking anything of it, I told them no problem. I have been worrying with XXXX XXXX and it is their corporate account. When I tried to reach out to XXXX and XXXX they were unreachable. The company website was useless, all phone numbers were useless and email communication suddenly stopped. I felt like I had just been kicked in the stomach. I was the victim of an employment scam and I didn't even see it coming. I tried to explain this to Capital One and they didn't care. They just said I was responsible for the money. Roughly XXXX XXXX dollars was dumped on my card all at once. I told them I couldn't afford to pay that. They couldn't care less. I have tried debt settlement to no avail. I tried challenging and disputes. All failed. I have been dealing with this for 4 years and it is devastating to my credit score and my ability to to move on with my life. I just need help.
Product: Debt collection

I checked my credit report and was that information, I mailed asking for verification of my debt, since I was disputing with att, they mailed me the bills buy not the contract of how they calculate my debt.i got a second letter state the same without any explanation of my debt, amount I was disputing with the store ( no plan with that company they offer a flat international plan, after I got my last bill I was told no more extra charges will in my account ) Totally unfair this account is in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXXccount # XXXX, Account XXXX/XXXX  Account # XXXX, Account XXXX  Account # XXXX, Account XXXX XXXX  Account # XXXX, Account XXXX XXXX XXXX  Account # XXXX, Account XXXX XXXX XXXX XXXX Account # XXXX, Account XXXX & XXXX Account # 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 reporting or other personal consumer reports

XXXX XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC : XXXX CFPB : Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate and Fraudulent Information on Credit Report Dear TransUnion, I am writing to formally dispute several inaccuracies identified on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that these inaccuracies be promptly investigated and corrected. The information in question is both incorrect and appears to have been fraudulently added. 

This dispute is submitted on my own behalf, without any third-party assistance. For your review, I have enclosed copies of my identification, Social Security card, an FTC complaint, and a CFPB complaint relevant to this matter. 

Additionally, I reference prior case law where TransUnion has been held accountable for similar violations : XXXX. XXXX XXXX Trans Union LLC ( XXXX ) : Found TransUnion liable for reporting inaccuracies and failing to remove erroneous accounts, violating the FCRA. 


2. United States v. TransUnion LLC ( XXXX ) : Highlighted ongoing FCRA violations, resulting in penalties for non-compliance. 



The specific violations I am addressing include : 1. Fair Debt Collection Practices Act ( FDCPA ) : TransUnion has inaccurately reported debt collection information, potentially violating FDCPA provisions.

2. Fair Credit Reporting Act ( FCRA ) : Numerous FCRA violations, as documented in cases like XXXX XXXX Trans Union LLC. 



XXXX. Attorney General Actions : Government enforcement actions, such as United States XXXX TransUnion LLC ( XXXX ), have cited TransUnion 's non-compliance with FCRA standards. 


Requested Actions : Under 15 U.S.C. 1681c-2, which mandates the removal of information resulting from identity theft within four business days, I request the immediate correction and removal of the following erroneous accounts : 1. Accounts : XXXX XXXX XXXX ( Account # XXXX ) Date : XX/XX/XXXX Balance : {$7800.00} XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX XXXX. Inquiries : XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I trust that TransUnion will XXXX this matter promptly and comply with all legal obligations. Please provide a written confirmation of your investigation and resolution. Should you require any additional information, do not hesitate to contact me at the address above. 

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

I am writing regarding the debt validation request I recently made under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F. Your agency has not provided the necessary documentation as required by these regulations. Please note that ignorance of these requirements is not an acceptable excuse under the law. you have not supplied the required information as specified in 12 CFR 1006.34 ( c ), particularly paragraph ( a ) ( 1 ) regarding the details that debt collectors must provide. 

Therefore, I demand an immediate halt to any collection activities related to this alleged debt. If you do not comply within 15 days of this notice, I will have no choice but to pursue legal action. This will include seeking both actual and statutory damages and using all remedies available under the FDCPA and Regulation F. Your prompt attention to this issue is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit report act XXXX  account XXXX XXXX XXXX in co, XXXX XXXX and hard pulls has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1881 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have been writen to, EXPERIAN, XXXX XXXX XXXX to remove most of my personal information from the repor. 

What is correct to appear : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On XXXX I checked my Equifax report ( XXXX see attached ) and noticed an account called XXXX XXXX Account # XXXX, which is furnishing information which is erroneous on my credit report. I then contacted XXXX by letter dated XXXX which I 'm attaching to this complaint. I filed the dispute with Equifax on the account but Equifax claims they verified the information. If you notice in the attached report, the information attached to this account is woefully insufficient. There is no scheduled payment amount, no actual payment amount, no amount past due, no balance amount, and most importantly no date of last activity. How can Equifax be publishing information that is negative to my credit from a company that supplies almost no information related to the account. This is a violation of the FCRA. I dispute this account in its entirety and want it removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were not opened by me, nor was service received. Please deleted them from my credit report : XXXX BANK, XXXX. ( The company stated they would delete the account since it was open fraudulently, however they only closed it ) please delete account. The following inquiries were not done by me, so please delete : XXXX XXXX2022 ), XXXX XXXX XXXX-2022, XXXX XXXX-22, XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX2022 ,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act accounts listed below have violated my rights. 
As per below Section 602a : states I have the right to privacy Section 604a section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  - XXXX anXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 reporting or other personal consumer reports

I was a victim of identity theft. I checked my credit report and saw that there were several accounts reported that are not mine. I reached out to the FTC and filed a report and sent it over to the bureaus but the have not investigated thoroughly because they removed some but not all the fraud accounts. That's my reason for this complaint
Product: Checking or savings account

I recently moved to XXXX  from XXXX. I opened a checking account at XXXX XXXX at XXXX XXXX XXXX. 

On Thursday, XX/XX/XXXX, I deposited a check in the amount of {$24000.00} into my checking account. As I was leaving the cashier told me the funds would not be available for " 9 days '' I expected some delay with a check over {$5000.00} but was surprised that I wouldn't be unable to access a small portion of the money but they told me since I was a new account. 

As of today, Wednesday XX/XX/XXXX I still do not have access to the money that I deposited. I went into the location and they told me the funds would be made available tomorrow. Thursday, XX/XX/XXXX. Way more than " 9 days '' They tried to tell me its 9 business days, which they didnt say " business days '' when I deposited the money. Even with that definition today Wednesday XX/XX/XXXX should be 9 business days after Thursday XX/XX/XXXX. I feel like my money has been stolen and I am being taken advantage of