23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC Bank keeps harnessing me, and defaming me on my Credit report for a vehicle, and a debt that I am not legally responsible for since they failed to go retrieve the Vehicle from the City Of XXXX. PNC Bank did not file Claim with the City, and relinquished the vehicle to The City of XXXX whole Sold this vehicle while the PNC Bank held the Title to this Vehicle. Im not allowed to legally discuss this because its pending current litigation, and awaiting Supreme Court hearings. You may reach out to my Lawyer XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX PNC Bank held the title to the Vehicle, and could have retrieved this legally under Federal Law, and Chose not to, and could have went after the City since the City sold their Legally held asset. Instead they have decided to come after me, and place this on my credit file, as a repossession when the vehicle was never reposed, and resold by the City. The City of XXXX has a resale Certificate which can be provided by my lawyer. PNC Bank keeps putting this charge onto my Credit report every time I challenge it, and they'll put it back on in another way thus lowering my credit score by XXXX points each time. Ive been XXXX  for five years, and my Credit score dropped to XXXX because of this five years ago. Ive been attempting to repair my Credit while waiting litigation in Court that I'm sure will recover the cost of the Vehicle but PNC decides to keep slandering me, and keep hitting my credit report fraudulently each time, and the Credit agency 's allow this, and I keep challenging this. I can not progress in life or live life as a normal person because of this. This keeps me XXXX since no one will rent me an apartment. I have a right to shelter based on the XXXX  XXXX act, and PNC slander, and fraudulent activity of posting this multiple times when they have knowledge that there is current pending legal action makes them accountable under law. If you require any legal document please reach out to my lawyer, Im not allowed right now to go deeper or to release any information since it is pending Court Litigation.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where, Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

My mortgage was owned by PHH mortgage and was sold to XXXX in XXXX XXXX. The balances on the mortgage statements provided by PHH and XXXX do not match. I have made several attempts to have this corrected with XXXX however they are telling me they are not responsible for the accuracy of the balance provided by PHH when they purchased the loan. XXXX XXXX 's history and PHH 's history are not the same, XXXX XXXX is showing " restricted corp adv adj '' with amounts paid but balances are not reduced. My balance with PHH does not appear to have been credit correctly or timely from XXXX, large chunks of payments are removed and applied as " escrow or subsidy deposits '' These issues are present on both the PHH loan history and the XXXX history, however the issue that most concerns me is the fact that XXXX XXXX is saying I owe fees and charges that were not listed on the PHH loan history or statements from PHH. In XXXX, I received payment assistance from the XXXX XXXX XXXX ( XXXX XXXX ) and in XXXX, I did a modification with PHH. I am not sure the funds received during the XXXX were applied correctly and the modification amounts do not appear to be consistent.
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX XXXX is being reported late and i was never late! I have had exceptional payment history with this company 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 XX/XX/year> 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 21 days before the payment due date. 

This XXXX 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 21 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: Checking or savings account

I am filing a follow-up complaint against Citibank regarding my pending refund of {$710.00} for a canceled concert, which remains unresolved despite multiple attempts to rectify the issue. This complaint is directly connected to my prior complaints : Complaint # XXXX ( Filed on XX/XX/XXXX ) Complaint # XXXX ( Filed on XX/XX/XXXX ) ISSUE SUMMARY : On XX/XX/XXXX, XXXX canceled a concert XXXX entitling me to a refund of {$710.00} from Citibank. However, despite my numerous efforts, Citibank has failed to send me the correct refund. 
CITIBANK 'S INNACURATE RESPONSES : ( XXXX ) Citibank responded to my complaints on XX/XX/XXXX and XX/XX/XXXX, claiming that they sent me a check. However, the check they reference is a completely unrelated check # XXXX of {$25.00} related to the closure of the account, which happened in XX/XX/XXXX. ( The XXXX answers are attached ) ( XXXX ) It is absolutely obvious that it's a different check number, amount, and date. That check was cashed in XX/XX/XXXX, which was XXXX months before the concert was even canceled. 
( XXXX ) As of today, Citibank has not sent me an actual picture/scan of a check corresponding to the correct value {$710.00} PREVIOUS ATTEMPTS TO SOLVE THE ISSUE : ( XXXX ) I have called Citibank over XXXX times, but they have not provided a resolution. 
( XXXX ) I sent a written physical letter on XX/XX/XXXX, but I have not received any response after 1 month. 
( XXXX ) I also sent a fax on XX/XX/XXXX, yet I still have not received any response after 1 month. 
( XXXX ) I have submitted XXXX previous complaints : # XXXX and # XXXX. 
( XXXX ) As of XX/XX/XXXX, I have not received a physical check of {$710.00} corresponding to the canceled concert.
Product: Mortgage

I want to understand why are banks charging customers for past due interest during the Covid-19 Mortgage forbearance process? I can call out two specific banks, XXXX XXXX XXXX  and Quicken Loans. Both are charging customers interest that would have been part of missed payments during the forbearance and by default increasing principal balance of mortgage account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding sales handling of disputes, particularly in light of the recent XXXX lawsuit, highlighting significant issues with the platform. Despite using cell numerous times of reporting discrepancies my financial institution and fail to investigate my claims adequately. They informed me that recovering lost funds was impossible and the tracking these transactions with unfeasible. The CFPBs findings indicate that has not only neglected to protect consumers, but also allowed to repeat offenders to exploit the system Leaving users is vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of XXXX I was looking online for a payday loan when I found Explore Credit. I looked at the website and entered information to see what amount they could give me and what the interest rates were, etc. I did not proceed because it was not manageable for me to do so. The next afternoon I received a deposit of {$950.00} into my bank account. It was not traceable and even my bank was unable to tell me where it came from. About XXXX weeks later Explore Credit started debiting my account {$310.00} every XXXX weeks. These payments started on XX/XX/XXXX and continued until XX/XX/XXXX. I contacted them to find out what was going on and demanded the contract and what I had signed. They did not provide this information. The only thing they sent me was a payment plan with due dates. I tried to stop payment with them and they refused to help me. I talked to them numerous times and no luck. I finally had to cancel my XXXX card. After doing so they made checks out of my bank routing information and continued to take money from my bank account. After consulting with my bank who had never seen anything like this I had to close my entire XXXX  account. I have paid {$2300.00} and they continue to harass me via text and phone. They are demanding I pay the balance owed of {$6300.00} on a {$950.00} loan. That would have me paying {$8600.00}! Is this not XXXX loan abuse?
Product: Payday loan

I called and spoke to XXXX on XXXX/XXXX/2016 about a payment that was due on the XXXX of XXXX. I noticed they had not taken said payment and there for took it on the XXXX of XXXX One payment was said to be taken out on the XXXX and the other on the XXXX of XXXX they both have cleared my account but only one is showing. Today is XXXX/XXXX/2016 and I see that two payments have come out for {$200.00} which was not talked about even though they state they did if I had of known this I would not have agreed to it because I know that I would have not been able to handle those payments. Now they have had three payments for the month of XXXX but they are not showing on my account when I look online. I see talking to them I am talking in circles and they are not making sense on this matter. Also I ca n't understand why or how they can go in my account on off set days to pay back my loan but ca n't go in on the due date. Then when they mess up I have to pay for it. My pay day loan should be done being paid for on XXXX/XXXX/2016 XXXX stated today that it has been extended until another month XXXX/XXXX/2016. But how can that be if my account is current and caught up. They have received XXXX payments for {$200.00}. But my account is pushed back an extra month. And again this is not showing with my online account. I took out the loan I did but I do not like being taken advantage of. The fact that I am getting different answers from different people or being put on hold while they figure out how they messed up. Makes me so frustrated. Both charges I received an over draft fee. I also stated this to them on the XXXX. No one I mean no one said that I was going to be charged and extra XXXX before the end of the month was out so I have to over draft fees of {$34.00} for each. I really need help understanding what is going on and why they are able to do this. I even looked over my contract and no where does it state that they can do this.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is getting out of hand like really. I filed a complaint on KIKOFF and they said they verified my late payment but what they did was changed the late payment month from XXXX to XXXX on XXXX. The late payment date for XXXX says XXXX. Kikoff is avoiding at all cost to send the credit bureaus there bank statement proving I was late. It's playing around with my credit report and have no basis of reporting a late payment. 
KIKOFF HAS ONCE AGAIN AVOIDED THE INFORMATION THAT I'M REQUESTING. IT SEEMS IT DOESN'T WANT TO PROVIDE ME THERE BANK STATEMENT. THIS IS THE STATEMENT WHERE ALL KIKOFFS CUSTOMERS PAYMENT GOES TO. The only legal proof for a late payment comes directly from a data furnisher in the way of a bank statement proofing when I paid or didn't pay on time from the data furnisher. This prove. when I paid on time.. Anything other then documented proof is heresy. Anyone can create a statement stimulating a consumer paid late. Without this proof, there's no legal VALIDATION. In XXXX XXXX XXXX 1997, Congressional opinion was that the credit bureaus can not put the burden of proof of the consumers to verify. It has to come from the data furnisher, it has to come from the credit bureaus. It can not come from me. PLEASE PROVIDE KIKOFFS BANK STATEMENT SHOWING I PAID LATE NOT SOME MADE UP DOCUMENT. HOW HARD CAN THIS BE. JUST PROVIDE THE BANK STATEMENTS. 

ATTACHED ARE SCREENSHOTS SHOWING KIKOFF REPORTING A LATE PAYMENT ON DIFFERENT CREDIT BUREAUS FOR DIFFERENT MONTHS. THEY HAVE NO CLUE WHAT THERE DOING.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act Covertgent Account # XXXX XXXX XXXX In Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX Account Number # XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX 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 instruction
Product: Credit card or prepaid card

Apple charged me full interest when I paid entire balance. I need my interest refunded or I will no longer make payments.
Product: Credit card or prepaid card

I XXXX to XXXX XXXX between XXXX. Made several attempts to make a payment at the local XXXX  and was informed that unlike our Exchanges/Expresses in the U.S., a military star card will absolutely be needed in order to make a payment. Without a card, their information can not be looked up in the system. I was also told they couldnt call or contact AAFES from the local XXXX in XXXX. Unfortunately, there was very minimal communication capabilities due to location/security reasons and after these attempts I had no other option but to place on hold until my return stateside. Upon my arrival to the states I sent certified mail, called, emailed and sent fax ( to : XXXX ) -- -email to submit my orders and proof of service location at the time my account went delinquent. At the end of XXXX, near beginning of XXXX, I called in and was placed on an auto pay of XXXX per month that did not cover the complete bill amount. She believes it to be around XXXX monthly minimum at time of the auto pay. I had no late payments prior to deployment and have made several attempts to correct the companies reporting on my account. I was told initially that the late payments would be removed when I called and spoke with with customer service but that has yet to happen. Then i was told repeatedly ignored by the credit disputes department. Now even after showing proof to credit disputes department they keep refusing. In accordance with Congress Legislation S.1249 this violated my rights as an XXXX XXXX XXXX. No late notices or letters were sent to my chain of command which is a must whenever a XXXX is delinquent. Also unbeknownst to me during the deployment because I didn't have access to look up my les during my deployment, I show that monies were deducted from my check which legally according to FCRA brought my account to current status. But some of the payments doesn't show as paid they still show as delinquent to this day. So they failed to properly report even those payments which resulted in years of excessive late payments because someone didn't properly report my automatic XXXX drafts that I had no knowledge of. AAFES is sgowing me that no matter my sacrfice to this Country that during such a rough deployment at no fault of my own refuses to make the proper adjustment to those late payments. Again this violates the Congress Legislation S.1249. According to aafes deployed XXXX  are not required to make monthly payments while deployed and the interest will not exceed 6 %. My time in XXXX was considered a deployment  not a XXXX. It is on my XXXX as deployment and has and always been considered a deployment.
Product: Checking or savings account

I opened a bank account online with Bank of America. I sent the initial money to open it. I received an email verification that it was approved and open. I then had a wire transfer sent to the bank. I went online to check the next day to see the status of the wire transfer and found out that my account had been closed. I received no notice, or chance to correct the issue they had with verification of my information. I was then told that the account would not be completely closed for 41 days. 
So I will have to go 41 days until the account is closed and then wait for my money to be delivered. I was basically robbed. Why would a large financial institution need 41 days to completely close my account and return my money?
Product: Debt collection

This is a follow up response to CFPB complaint XXXX ( response from Pressler & Pressler ). I believe you all need to investigate any illegal attempts for these law firms and financial institutions illegally charging fees, obtaining charged off accounts. I am familiar with the ( Fair Credit Reporting Act ). XXXX XXXX is not the original creditor of whatever debt this is. I have no prior relationship with them. Therefore, I have requested a complete transaction history, previous payoffs, charge offs from prior creditors that might have had this debt. I have requested this information a few times. I have not received anything from the XXXX XXXX or their attorney 's. This leads me to become a bit suspicious of their activities. They should have this information. I want to see what the original balance was prior to them obtaining this debt they state is mine. I want to see if they've illegally charged fees on a charged off account. Per an attorney who gave me free legal advice they are supposed to provide the requested this information. Also, he stated they are not supposed to charged additional fees once an account has been charged off. Therefore, I would like to see/know if there were any illegal steps taken in obtaining this debt. I still don't know what the debt is for because I don't know who the original creditor is. Also, I am considering filing a complaint with whoever oversees the CFPB I see that there are several options to filing a complaint such as CFPB Ombudsman, Office of Inspector General, Counsel of Inspectors General on Integrity and efficiency and Council of Inspectors General on Financial Oversight.
Product: Credit card or prepaid card

Hi My name is XXXX XXXX XXXX, Im. writing complaint after I have call American Eagles credit card by synchrony for the last mont I every time I make payment online, It show the name of the XXXX on the screen before it would say before online payment was made. I have call the XXXX XXXX to complaint why Im still receiving emails to my XXXX when change my email to my XXXX.I did this changer After I found numerous fraud transactions on my account. also I made police with XXXX and I did a complaint with F.T.C. I also would like to know why my credit limit was drop down, .I have a similar problem with TJ max reward credit card it also by synchrony bank. 
Just like the TJ Max account, when I change my password, which I do all the time for security reasons. it show the last 4 number of my cell phone now it show my phone number last 4 but also a different phone.
Product: Credit card or prepaid card

I applied for a credit card with Sam 's Club through Synchrony Bank I filled out the application, was given a {$2500.00} card approval and was told they would be in touch. 
A week later I get a letter in the mail saying they need additional information to verify my identity. 
As per the letter I call them, They ask me for my last 4 they ask for my birthday and on and on. 
Then they tell me I need to take a video of my face and need to photo my Drivers Lic front and back. 
It accepts front of the lic but after half a dozen tries it will not accept the back saying it can't read the bar code. The bar code on an XXXX  lic is very small. 
I tell the woman on the phone It is not working. She can not help me. 
If I have a XXXX XXXX  membership they have all that information. 
I have already had a card from Synchrony from Amazon. 
They sent the letter to my house! This is confirmation of who I am when I call and use the code on the letter. 
I am very upset. I have about a dozen credit cards and have had no problems except with synchrony bank. There is something very flawed with their verification system. 
I am being deprived of a credit card which I need to improve my credit and synchrony says they can not verify me. That is utterly ridiculous. They have access to all three of my credit companies. XXXX, XXXX and XXXX. 
They used one or more for my application. 
I confirmed the information they requested when I called them. 
They are wrongfully denying me a credit card which they have already approved.