23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2023 I was contacted by PNC because of suspected fraudulent charges made to the XXXXXXXX XXXX There were XXXX charges for {$50.00} each. At that time they were able to file a dispute for XXXX of them but said I had to wait to file the other XXXX until they posted. I filed a dispute online for the XXXX on XX/XX/2023. I was issued a total of {$450.00} in provisional credits at that time. On XX/XX/2023 XXXX of the {$50.00} credits were reversed saying they found it to be duplicate. I contacted PNC on XX/XX/2023 when an agent reopened the dispute. I contacted PNC on XXXX XXXX and was told that it was still being reviewed. On XX/XX/2023 I contacted PNC again because they had sent a letter stating the dispute was resolved. I was again told it was because it was a duplicate dispute. I spoke with several different agents who the escalated to another department. I spoke to this department on XX/XX/XXXX. She asked me why I hadn't filed a dispute within their required 60 days and I explained that I had called multiple times and filed the initial dispute the same day and 2 days later. She resubmitted the dispute. Yesterday I received XXXX letters stating that they were denying the XXXX {$50.00} disputes because it had not been filed in the required 60 days.
Product: Debt collection

Received an email from XXXX credit monitoring that my credit had dropped XXXX points so I immediately opened up my account and saw 2 judgments appearing on my credit. I have never lived in the XXXX TX or XXXX TX area ever ; I also, did not provide anyone permission to use my SSN to open accounts. Since this email, I have had a total of 4 accounts opened using my SSN and DOB and these scammers seem to be doing it at the same time. I have 2 accounts with XXXX XXXX and now with XXXX XXXX XXXX. 

XXXX XXXX accounts are XXXX and XXXX email on file is XXXX XXXX XXXX XXXX  accounts are XXXX and XXXX email on file is XXXX I have frozen all 3 credit bureaus and put a fraud alert as well. I have sent a letter and email to XXXX XXXX and I just found out about XXXX XXXX XXXX. I provided XXXX XXXX information regarding my issues and they have stated it should take up 30 days to get any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM, XXXX XXXX SUBMITTING THIS COMPLAINT AGAINST EXPERIAN INFORMATION SOLUTIONS INC. AND TH

EIR IS NO THIRD PARTY INVOLVED. I DEMAND EXPERIAN INFORMATION SOLUTIONS INC. TO PROVIDE ME A COPY OF MY WRITTEN CONSENT AND WRITTEN INSTRUCTIONS TO FURNISH THESE FRAUDULENT & INACCURATE SAID ACCOUNTS ( EXHIBITS PROVIDED ). AND PROVIDE ME WITH EXPERIAN INFORMATION SOLUTIONS INC . VERIFICATION METHOD TO " VERIFY " SAID ACCOUNTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) EXPERIAN INFORMATION SOLUTIONS INC. HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 IT ALSO S TATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

During the year of XXXX, I was evicted from my apartment with XXXX XXXX XXXX. My eviction was due to none payment of rent, however, I was ill from XXXX XXXX and was placed out of work for 3 weeks. Unable to make payment arrangements with the landlord, they filed an eviction although they had never had issues with me not paying my rent before. When I offered to pay half they declined the offer. By XXXX XXXX XXXX  I was out of the apartment. When we went to court, it was agreed that I vacated the premises and no damages would be filed. Per my court orders, no damages were filed and no monies were being requested to pay. That is until the year of XXXX  in XXXX, a collection was placed on my account for a debt owed by XXXX XXXX XXXX  although the court order stated no judgment would be owed. Why would a company wait nearly 3 years to place such a debt on my credit, making me ineligible to get another rental property? This is unfair treatment, especially given the times we are currently living in. There must be something more that can be done to put an end to big corporations causing disruption and hardship to individuals such as myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 

Account name : XXXX XXXX University : Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX : Account # XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Account name : XXXX/Dept of ED : Account # XXXX Account name : XXXX XXXX Account # XXXX 15 U.S.C . 1681 Section 602 A states I have a 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.

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 and other adverse items 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 ) states 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: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On XX/XX/XXXX, I ordered a XXXX 49 inch Model number XXXX from the XXXX at XXXX XXXX   XXXX, XXXX, NY XXXX for {$760.00}. I arranged for myself to pick it up on XX/XX/XXXX at the XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. On XX/XX/XXXX at XXXX XXXX, I received an e-mail from XXXX XXXX that my order was picked up. I did not pick up this item nor did I give anyone consent to pick it up for me. I called as soon as I saw the e-mail but they were already closed I went to the XXXX XXXX location at XXXX XXXX XXXX, XXXX, NY XXXX the following day to straighten this matter out. I explained to the manager XXXX that I never picked up my order or authorized anyone to pick it up for me. She stated that she was going to look at the video from the night before and that she would follow up with me the following day. She also asked for my drivers license that day and made a copy. 
The following day I never received a phone call and on Sunday XX/XX/XXXX, I returned to this location. The manager XXXX stated that she reviewed the video and that it looked like it was me that picked up the order and the person provided my id. I asked to see the video but she refused to show me. I asked to speak to a District Manager but she stated he was on vacation. I went straight to the closest police station ( XXXX precinct ) and the person at the front desk told me that it is a civil matter between myself and XXXX XXXX and unfortunately they would not be able to help me. They told me the best thing for me to do is get in contact with my credit card company which I did when I got home that day. 
It is obvious to me that this was an inside theft by XXXX XXXX   employees. No one knew that I had ordered a TV, and I have never lost a drivers license. I have never had any issue like this before. I have been a loyal Capital One customer for 12 years and expect Capital One to fight for me on my behalf. I would very much like to see the video of this transaction to prove that it was not me who picked it up. I should not be liable for something that I never received.
Product: Checking or savings account

I contacted fifth third XX/XX/XXXX and advised someone made a ach charge I did not authorize as I dont have a single bill. 

I do not have overdraft protection on any account and I confirmed this with the chat rep on XXXX 

On XXXX i called and had fifth third close that checking account XXXX so no one could make another unauthorized charge. 

Yet a day later they used my funds in my savings account to cover unauthorized charges and said it was because the overdraft protection. 

Again, I opted out of all overdraft protection. I do have an attorney and I am familiar with software. We can subpoena for fifth thirds phone calls from XX/XX/XXXX and the chats from XX/XX/XXXX. Anytime a change occurs on an application it is written to the system log. Since I did not enroll myself in overdraft protection we can subpoena for the system log for the fifth third banking application as well if needed. 

I also asked to speak to a supervisor at XXXX on XX/XX/XXXX and she disconnected and did not call me back. 

Im hoping fifth third rectifies this issue immediately because I rather do business with a better bank who protects my money. Unfortunately I will close all my accounts with fifth third this week unless this is rectified and will provide all necessary parties detailed proof of these remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA says you have a duty to investigate. The 11th Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency XXXX CRA XXXX counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The 11th Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD!!! 

PLEASE REMOVE TGHE ACCOUNT IMMEDIATELY!!!!!! CONTINUING TO UPDATE THESE ACCOUNTS IS A CLEAR VIOLATION!!! 


XXXX XXXX  XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! SECURITY XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXNACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXA VIOLATION! REMOVE IMMEDIATELY! XXXXA VIOLATION REMOVE IMMEDIATEL! XXXXA VIOLATION! REMOVE IMMEDIATELY! XXXXA VIOLATION REMOVE IMMEDIATELY! XXXXA VIOLATION REMOVE IMMEDIATELY!
Product: Credit reporting

I received notification that one of my credit cards were over-utilized and Experian dropped my score by about XXXX points. It was in fact my son 's credit card and Experian put that on my profile. After disputing it, Experian deleted it but never put the points back. I called them on numerous times and every time was disconnected by Experian when requesting to speak to a supervisor. Also found numerous phone numbers and even employer names that do not belong to me.
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX XXXX update my address to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX of Birth : XXXX SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year! 

Here are the items that I need to have fully verified as being 100 % accurate :
Product: Credit reporting, credit repair services, or other personal consumer reports

According with the Fair Credit Reporting this company has violated my rights.

section 15 USC 1681 section 602 A states I have the right for privacy.

15 USC section 604 A states it also states consumer reporting agency can not furnish account with out my written instruction. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$9900.00} XX/XX/XXXX XXXX XXXX {$20000.00} XX/XX/XXXX XXXX XXXX {$410.00} XX/XX/XXXX XXXX  XXXX  XXXX XXXX {$16000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$690.00} XX/XX/XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$830.00} XX/XX/XXXX XXXX. XXXX, XXXX XXXX {$60.00} XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I disputed a fraudulent Capitol One account off of my credit report and its stopping me from opening another account. I have no debt. I dont know if im flagged in the system but whatever is stopping me from opening an account because a previous one was fraudulent needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with for two months and I sent all my docs. over to the credit Bureau
Product: Checking or savings account

On XX/XX/XXXX I first opened a savings account with XXXX, and funded this account with {$40000.00} from my XXXX account on XX/XX/XXXX which would reportedly debit on XX/XX/XXXX. Despite this whole process, at no point was I ever actually able to make an online account. 

I received an e-mail on XX/XX/XXXX that was e-statement was ready to view, and tried again at that time, unsuccessfully. Their website would always give the following error message when trying to make the actual account / login information : " We are unable to validate your information. You may try again, or for assistance contact Customer Service at XXXX. '' I attempted to call customer service multiple times, often only get robots through the first stages, particularly because without a login I do not know my own account number except the last 4 digits that they included when they let me know my e-statement was available. When calling on XX/XX/XXXX at around XXXX, when I finally reached a human, they left me on hold for over 1hr 30min, probably hoping their customers would just give up. 

At this point, this bank feels like a complete scam. I would like access to my {$40000.00} to move it straight back to XXXX ASAP. Completely baiting people with a high interest rate but then just not even letting people have access to their own money. I have been robbed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX, XXXX  and Transunion to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. Immediately XXXX  removed the account from my credit report, Transunion and XXXX  did not. I sent a copy of the XXXX  report to the other two reporting agencies and asked them what did they know that XXXX  did not. I have NOT received a reply and it's been well over 30 days! 

According to Transunion and XXXX  the BK Court in XXXX verified the data. I have a letter, which I provided to all 3 bureaus, from the courthouse saying they do no such thing! 

Then I looked in XXXX. They are a third party, for profit company, which makes the information provided heresay. Also, why aren't Transunion and XXXX  responsible under FCRA to do a complete investigation and to know 100 % what they are saying about me. It's ridiculous that when one backed down, XXXX, and that evidence was provided to the other two that they maintained their position - they are providing information they have NOT verified! 

Please make them abide by the law meaning only report first hand information, or delete the bankruptcy from my report. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

I received a letter from Citibank ( which I found out later is Sears ) stating that due to an agreement between Citibank N.A. and certain of its subsidiaries and the CFPB, I am due a refund of certain fees previously billed to my account for a discontinued credit monitoring program previously offered by Citibank. This amount is {$120.00}. This is for people that were enrolled between XX/XX/XXXX and XX/XX/XXXX. First of all, I have not even had a Sears credit card for @ 10 years and they stated that they applied the amount to my account. Friday, XX/XX/XXXX, I called the toll free number on the letter to see if I could just receive a check, since I no longer have this card. I was transferred AT LEAST 6 times, each time being on hold for AT LEAST 5 minutes. The first person I talked to said it was a Sears card, and gave me phone number XXXX to call, which I did. They did n't seem to know what I was talking about, and transferred me to another department. They did n't know anything either, so I was transferred again. AND THIS WENT BACK TO THE FIRST PERSON I TALKED TO. I believe her name was XXXX. She then had me talk to XXXX? who gave me the phone number XXXX, # 4. This took me to probate, which I guess you only call them if someone is deceased. Then they transferred me to someone else, who transferred me to a 3rd party administrator by the name of XXXX. They informed me that they applied to the account because I still had a balance. How can that be if I have n't had the card for years? I asked them this, and I was told there is nothing to be done. I was so frustrated by then, having been transferred numerous times, being on hold each time, and by spending almost an hour on the phone, that I told XXXX that they could stick the money ... ... .Normally, I would n't say something like that, but I WAS SO FRUSTRATED!!
Product: Credit reporting or other personal consumer reports

To whom it may concern, I contacted the U.S. Bankruptcy Court via telephone to inquire about their method of verification regarding information provided to credit reporting agencies. During the call, the court confirmed that they do not verify or communicate any information with credit furnishers or reporting agencies. On the same day, I also sent a letter to the court to document this inquiry.

The inclusion of bankruptcy-related information on my credit report violates Rule 9037 of the Federal Rules of Bankruptcy Procedure, 15 U.S.C. 1681 under the Fair Credit Reporting Act ( FCRA ), and 15 U.S.C. 6802 under the Gramm-Leach-Bliley Act. These laws and regulations collectively require the protection of personal information, the accuracy of credit reporting, and proper handling of consumer data. The reporting agencies have failed to conduct a thorough and reasonable investigation, as required by the FCRA, to ensure the accuracy of the information reported. 

As the inaccuracies have been identified and can not be verified through proper channels, I am requesting that the inaccurate bankruptcy-related information be deleted from my credit report as a form of correction. Failure to address these violations will leave me no choice but to seek legal relief to enforce my rights under these laws and regulations. 

Thank you for your immediate attention to this matter. 

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

I have an auto loan with XXXX XXXX XXXX XXXXXXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the Credit Bureau with no successful resolution. There was definitely an error on their part. 

XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Okay, here is what happened, I had a forbearance, the payment failed because it was processed by the loan company to early. They tried to put it through again, but my medications hit the bank before the forbearance payment. Now the loan company wants XXXX. If not my wife and I will loose the house. They do not take into consideration that we are both XXXX. 

I would like to work with them to come to a satisfactory deal, that benefits both of us. We Love the house. Also I have XXXX XXXX this month. I want them to reach out to me. Not just letting me stress out, about the next day, like where are we going to live.
Product: Debt collection

Midland Credit Management , Inc located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX, has sent me a letter claiming I owe a debt to them. They claim XXXX XXXX as the original creditor. 
On or about XXXX XXXX, XXXX I sent Midland Credit Management Inc a certified letter, return receipt requested, asking to explain and validate this debt. Though the reciept was signed and sent to me, they have not replied. Today, XXXX XXXX, XXXX, I received a letter from them requesting payment for this debt. I believe that this debt was paid in full in XX/XX/XXXX or XX/XX/XXXX.