23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

A brief summary is that PNC charged me an autopayment without my authorization, which resulted in negative balance of my bank account and overdraft fee. I believe it is not reasonable because nobady can charge my bank account without my authorization. Here are the details : 1. Around XX/XX/XXXX, my mortgage was transferred from XXXX XXXX XXXX to PNC. 
2. I received a mail from PNC dated XX/XX/XXXX which request me to sign an automated payment authorization form within 5 business days. I did not take any action. 
3. On XX/XX/XXXX I manually made a monthly mortgage payment to PNC. Around XX/XX/XXXX PNC charged an autopayment from my XXXX checking account without my authorization. 
4. On XX/XX/XXXX I had to call PNC to delete the autopayment ( I can't do it from their website ) and apply the extra payment to XXXX. Latter I noticed my XXXX checking account has a negative balance and I was charged {$10.00} overdraft fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax breach exposed my information so Ive been very concerned about my consumer file. Per 15 USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurate information on my credit report. This is violation 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. XXXX XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. Bank XXXX XXXX XXXX XXXX violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. XXXX XXXX XXXX XXXX inaccurate direct violation XXXX XXXX XXXX, Remove late payments. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please complete your investigation aligned with 15 USC 1681 ( a ) ( e ) guidelines as Congress states. Please send an updated copies of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter.
Product: Vehicle loan or lease

My vehicle was repossessed on the weekend of XX/XX/XXXX. On XX/XX/XXXX, I contacted and paid Westlake Financial the total sum amount of {$2200.00} which I was told included missed payments, late fees and repossession fees. The breakdown discussed was also displayed in my online account summary. A week later or possibly sooner, I see an additional $ XXXX in repossession fees added to my account after I had already paid and retrieved my vehicle. I contacted the company to request something in writing that shows that additional fees could be assessed afterwards and was told there is nothing in writing but that I owed the amount. I think this is completely unfair and unethical. The company is evidently attempting to place in a worse financial situation without any documentation to support their ability to do so
Product: Credit reporting or other personal consumer reports

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I XXXX have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute with Experian because there is a XXXX XXXX account that is on my credit report that is not mine. Someone stole my identity. Experian failed to remove the account and to add insult to injury Experian updated the date on the account and now it appears that this account has current negative information and the account was scheduled to be removed on XXXX. SHADY. I attached my report before the dispute and my report showing the re-ageing.
Product: Debt collection

XXXX XXXXXXXX XXXX shows account opened XX/XX/XXXX. Not possible. haven't had account with original creditor XXXX since XXXX. Never owed a balance such as this, {$3600.00}. Maybe about XXXX. I could be victim of Identity Theft. I filed dispute with XXXX, and have currently done so with XXXX XXXX but that will be with their help negotiating.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Product: Debt collection

I had a credit card that was put into collections. After a time, I was able to make a payment plan with the collections company. I had tried to call the original company, but they had already sold my account. So I paid the balance in full plus some, to the collections company, and received a receipt of restitution that the account is paid in full. Since then, and this is going on 2 years now, every 6 months, i receive a bill from another collections agency stating that i owe the money again. I have to send them the receipt of restitution and then that company doesn't call back. Last year I had a law office that works for XXXX County contact me, and let me know that there was a law suit filed against me from XXXX XXXX ( the original creditor ) and i provided the receipt of restitution to the lawyer and the case was dismissed. I hadn't heard anything since the lawyer, but have received another letter in the mail today from a different collections agency stating that i owe what I have already paid. I sent them the receipt of restitution as well. But this just keeps happening over and over. This is harassment. I called XXXX XXXX ( the original creditor ) today and wanted to provide them the receipts of restitution as well, but they said my account is closed and they sold it to XXXXXXXX XXXX XXXX. They gave me a number to call and it was no longer in service. I need this to stop. Please help me. I have already paid my debt in full plus some.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX I contacted XXXX XXXX XXXXXXXX to add my daughter has an authorized user. They ended up conducting a hard inquiry on my report without my knowledge. The inquiry was supposed to be for my daughter and it should have never impacted me. If I was told that they would have done a hard inquiry, I would have stopped the transactions. I contacted XXXX XXXX XXXXXXXX, I was told that they are unable to do anything on their side. First, I got frustated because I contacted them at lease on three ocasions. the last time I did, they told me they would add her as a co-borrower ; which is not what I wanted but I went along following their instructions. It turned out that they pulled my credit information and I would not have allowed that because I was trying to fix my credit. I was already a customer in good standing. I don't see why they had to do a hard inquiry. 

XXXX : I wanted to switch my service from XXXX to XXXX. I called XXXX and ask for advice on the proper way to cancel and switch services. I paid all money due. the representative over the phone told me I was all set and to keep using my service up until a specific date. I followed their instructions. Months later, XXXX, claims that I owe them last month service fee but I told them, I called to cancel service your rep advised me to wait. I shouldn't have to pay any more money. I wanted them to investigate the matter. Instead they reported me late with a balance {$140.00} in collection. 
I want this fee waived, and the record to be deleted from my credit report. I keep saying go listen to the recorded convesation. The rep said I was all set and can keep using my phone up until the cancellation date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a private student loan with XXXX XXXX, who took over XXXX XXXX XXXX. For years, XXXX XXXX ( which is no longer in service ) is still being reported as an open, delinquent account on my Equifax Credit Report, however the company went out of business in XXXX of 2018. I have contacted Equifax to have the XXXX XXXX XXXX account deleted from my credit file, but they have yet to remove XXXX XXXX XXXX from my account. It currently showing that I owe two private student loan accounts with the same company when I only owe one student loan. I have even pulled up the company information from XXXX XXXX XXXX via the XXXX XXXX XXXX, and the company is listed as NO LONGER IN BUISNESS. I have even contacted the company phone number ( XXXX ), but the phone number is no longer in service. 

I recently filed a previous Consumer Financial Protection Bureau complaint regarding this matter, and this was EQUIFAXs Response : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX  EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : STATUS, BALANCE, PAST DUE, DATE OF LAST PAYMENT, ADDITIONAL INFORMATION, ACCOUNT HISTORY We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. 

XXXX. ) First, the balance on XXXX XXXX services should be XXXX, as the account was transferred to XXXX XXXX which is a different company. The balance was transferred to a different company, because on XX/XX/2018 in the XXXX XXXX Court in XXXX XXXX XXXX County of XXXX, XXXX was declared Insolvent due to non-payment of taxes and debts. So, if they transferred all their debts to different loan service companies, why am I still owing a balance with a closed company greater than XXXX dollars? 

2. ) Secondly, by Equifax modifying the status, balance, past due, date of last statement, additional information, and account history to reflect that my balance is current, this implies that I am making 2 loan payment to two different companies on the same loan, which is false. By showing that I still owe a balance to XXXX XXXX XXXX, this increases my debt ratio and lowers my credit score. 

XXXX. ) Equifax, in its response, stated that XXXX XXXX XXXX Verified that the item belongs to me. How were you able to verify such information when the company is closed? If Equifax was able to verify this debt as belonging to me, why havent they provided me with contact information from a representative from XXXX XXXX XXXX? Additionally, where is the paperwork sent from XXXX XXXX XXXX to Equifax showing that this account is Verified?
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX Number Num : Balance {$220.00} Sir or Madam, I am writing in regards account XXXX XXXX XXXX on my credit report. I have filed a complain to the CFPB, that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

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

I refinanced my home with Caliber home loans which was fully funded XX/XX/2019 paid off! They reported me late XX/XX/XXXX and XX/XX/XXXX on a paid off loan!! I contacted them several times calling and mailed certified letters! Also with all three credit bureaus they reported back as accurate! How when the loan is paid off
Product: Credit card

XX/XX/XXXX under threat against my family I purchased gift cards and gave the unknown threatening person the numbers. He called me from these numbers telling me he knew what I was doing every moment:XXXX, XXXX, XXXX. I have been under continual treatment for XXXX XXXX XXXX since XX/XX/XXXX. XXXX XXXX XXXX. I believed this man until I didn't, then went to my bank and then made a police report. XXXX XXXX XXXX, XXXX, FL XXXX. 
XXXX Police Department, case XXXX, XXXX. 
I called XXXX and CitiBank XXXX, cancelled cards, told story.Both told me no problems. Called back the next day. Still had work to do with XXXX, Citibank said never processed so no charge, good to go. Right now, I think XXXX chose to count the charges as a mis post, but the future hasn't happened. This complaint is both about Citibank and XXXX, primarily Citibank. 
Since Citibank told me the charges had not been processed on XX/XX/XXXX, and my balance was XXXX ( so did XXXX ), I had called XXXX to give them additional info and found out that I did owe it, but they have a Consumer Advocate Line and something called Ethics Point. So I called Citibank and there began a process from XX/XX/XXXX to today, XX/XX/XXXX, where I'm told I do owe the money, no I don't owe the money. Security Operations people ( XXXX ) told me I absolutely don't owe the money, I'm a good customer etc. I get a letter I owe. I call, I don't owe. I get a bill, I call, their end is showing XXXX. I get another letter. This time the Security Operations Supervisor gives me a confirmation number, XXXX. Nominee owed. Get a bill. Call security Operations, I do owe the money, no such confirmation number. Every person I talked to I asked about a XXXX XXXX XXXX, none. I even called XXXX, have to deal with Citibank. Talked to XXXX people today. Was told by XXXX people, a person who could help me would call me, to keep lines clear. No call. I feel like a ping pong ball. I feel abused. The cancelled CitiCard is XXXX. CalledDept of zelder Affairs because I feel do psychologically abused and it is hurting my health. Just went through and erased account numbers. After calling CitiBank so many times. I've lost count, I can tell you that they don't record telephone calls, they don't always make notes, they lie, they transferred me from XXXX service rep to another on more than w occasions, telling me I was going to a supervisor or Advocate. Today I heard from both CitiBank and XXXX, they don't have Consumer Advocates. Their other modus operandi is to hang up on you before you can finish telling them what you need, and to tell you someone will call you back and they don't.
Product: Mortgage

I am currently in a modification program with Bayview Loan Servicing. I was initially denied the modification in XX/XX/XXXX, but received a notice that trial payments were to start effective with the XXXX 2016 payment. I sent my first payment due XXXX XXXX, 2016 via USPS certified mail. The payment was sent on XXXX/XXXX/16 and arrived on XXXX/XXXX/16. I received my green card and knew how long it would get there. My payment for XXXX 2016, I just sent via regular mail because I did not have time to go to the post office. I mailed it on XXXX/XXXX/16. Today if XXXX/XXXX/16 and the payment has not posted to my bank account. I 've tried calling the customer service number ( XXXX ), but all I get is that no one is available to take my call and that the voice mail is full and I can not leave a message. I 've also sent an email on XXXX/XXXX/16 to customer inquiring about the status of my payment and why it has not been posted. I 've read complaints about this company and of how they will hold payments to make you appear late to either disqualify from your modification plan or report you to the credit bureau. I feel that is what they are trying to do to me. As of today, I will be sending Bayview customer service another email informing them that I will be placing a stop payment on the check that was mailed and that I will be processing the payment over the phone. I do not want this to disqualify me from completing the trial payments for the modification which I feel Bayview is trying to do.
Product: Debt collection

The company XXXX is on my credit report. They have me that I owe them money but I have never had service with them. No bills or anything with this company. None of my addresses have I ever used this cable company or any of their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX 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, states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never really interested in credit before but now that I am tryna build credit looking at my credit report I noticed there were several fraudulent accounts which includes XXXX XXXX XXXX XXXX XXXX also there were XXXX hard inquiries that did not belong to me which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX, 2023. XXXX XXXX XXXX in error charged me 3 times for one service {$630.00}. They admitted that it was their error and notified CitiBank. Citi took off one charge. The next one was conditional. Then someone their decided to put it back on my statement and even charged me interest. XXXX  XXXX  lowered by score by XXXX? points. I have called Citi at least a dozen and a half times, even talked to a few supervisors. I have a case # XXXX. I sent an email also to the XXXX. This week I sent a certified letter to The CEO of Citibank, she should receive it Monday, the XXXX ( Tracking with XXXX. ). All I get it the runaround. It's been 3 month and a week now and it's still on my account. I am a senior citizen and on SS. This has stressed me to no end. I am so frustrated. I need someone in my corned. Please help me.
Product: Debt collection

I have sent several written requests to this company that is reporting negatively on my credit report. The dates that I have sent to the company is XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have not received any responses from this company. It is having a negative impact on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- INSTALLMENT LOAN -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account.