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

THIS BANK VERIFIED ME IN XXXX XXXX THEN THE NEXT DAY AFTER THEY VERIFIED ME FOR ALMOST XXXX HOURS OVER THE PHONE. I SENT THEM ALL REQUESTED DOCUMENTS VIA ONLINE TO VERIFY ME. I WAS TOLD THE NEXT DAY THAT I COMPLETED THE VERIFICATION PROCESS SUCCESSFULLY. THEN BEFORE THEY WOULD ALLOW ME TO SIGN THE PAPERS THEY SAID THAT I HAD TO GIVE THEM MY ACCOUNT INFORMATION SO THAT THEY COULD FUND MY ACCOUNTS. I THOUGHT THAT WAS STRANGE BECAUSE MOST BANKS ALLOW YOU TO FUND YOUR ACCOUNT AFTER YOU SET IT UP ... NOT BEFORE. I FELT LIKE IT WAS A ULTIMATUM. THEN THEIR CUSTOMER SERVICE AGENT ASKED FOR MY DEBT CARD NUMBER AND SECURITY CODE. HE ALSO ASKED ME WHAT THE VALUE OF MY HOME IS WHICH I REFUSED TO GIVE HIM. THEN AFTER THEY GOT MY FUNDS FROM MY OTHER ACCOUNT THEY LOCKED ME OUT OF MY ACCOUNT ONLINE AND SAID THAT THEY DID NOT BELIEVE I WAS ME. THIS AFTER THEY VERIFIED ME AND TOOK MY MONEY. THIS IS FOR A ACCOUNT THAT YOU GET A BONUS. THESE BANKS ARE TRYING TO GET NEW CUSTOMERS THEN THEY TRY TO BE MEAN SO THAT THEY DO NOT HAVE TO PAY THE BONUS. THIS IS A SCAM THESE BANKS ARE RUNNING. THEY ARE TRYING TO GET NEW COSTUMERS FOR THEIR INVESTORS AND THEN TRYING NOT TO PAY THE BONUSES. I HAVE BEEN REQUESTING FOR THEM TO CALL ME FROM THEIR XXXX XXXX SINCE XX/XX/2023.XXXX .NO ON HAS CALLED ME! THEN NOT ONLY WAS THEIR CS MEAN AND RUDE THEY REFUSED TO ALLOW ME TO GET TO MY OWN MONEY AFTER THE TRANSFER. THEN ONE OF THE LAST CALLS I MADE TO THEM IT SOUNDED LIKE THEIR CS REP WAS DOING SOMETHING INAPPROPRIATE ON THE PHONE. I ASKED HIM, " WHAT IS THAT SOUND. '' THEN IT STOPPED .XXXX AFTER HE SAID, " DOES IT SOUND LIKE LIKE SOMETHING RUBBING ON THE PHONE. '' IT MADE ME FEEL VERY UNCOMFORTABLE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX submitted a collection account to XXXX, XXXX, and Experian in the amount of {$780.00}. On XX/XX/XXXX, I agreed to settle this balance with XXXX XXXX for an amount less than owed, and submitted payment. As such, on XX/XX/XXXX, I received a " Release of Debt '' notice from XXXX 's collection agency, and each of the credit repositories began reporting the account as " legally paid for less than the amount owed '' and/or " paid after collection. '' Sometime in XX/XX/XXXX, XXXX updated this reporting to " paid after charge off, '' which is incorrect. In an effort to resolve the matter, I contacted XXXX XXXX, paid the remaining balance, and obtained a letter from the creditor confirming that the account was paid after collection. In addition, I submitted three dispute claims with XXXX, along with supporting documentation from XXXX confirming the account 's status. However, the trade line has not yet been corrected. Although my credit scores for each of the repositories are XXXX, XXXX, and XXXX, respectively, I have been denied credit since XX/XX/XXXX, from creditors that have previously granted me credit. Upon receipt of each of the Adverse Action Notices, the sole reason for denial has been the " paid after charge off '' reported account.
Product: Credit card

In XXXX, I mistakenly sent a short payment ( by about {$20.00} XXXX to my Visa card company. This month, when I received my bill, I see interest charged on new purchases that were not due to be paid until the statement date. I called the company, who told me they are allowed to do this. If this is legal, I would call it highway robbery. The only interest due should be on the late amount and cash advances, and not on the new purchases that are not due for payment.
Product: Money transfer, virtual currency, or money service

FRAUD SCAM BY PNC CUSTOMER. Inadequate action by PNC. I have been defrauded of {$62000.00} by PNC customer. PNC has not responded to Recall of funds by XXXX XX/XX/XXXX, XXXX fraudster had an account at PNC and, it appears, had not been verified before opening the account. XXXX recalled the money on XX/XX/2019. Facts : On XX/XX/2019, after a fraudulent scam email request from someone impersonating my brother, I transferred {$62000.00} to pay a bill for my brother who sent me PNC bank account details for deposit. On XX/XX/XXXX I realized that it was a scam. XXXX issued a Recall of the money to PNC, XXXX XXXX XXXX XXXX. I reported the scam to the police XXXX XXXX. Police told me PNC may have been aware that the account was being used for fraudulent purposes.The bank draft for {$62000.00}, was sent on XX/XX/XXXX to : XXXX XXXX, Account No : XXXX, XXXX : XXXX, PNC Bank. My questions : Was the money in the scammers account when PNC received the Recall instruction from XXXX on XX/XX/XXXX? Did PNC have suspicions that the account was being used for fraudulent purposes? Did PNC verify identity of account holder? If suspicions about use of account, were appropriate safeguards taken? PNC has not acted to protect consumers and has allowed itself to be used for fraudulent purposes through negligence and lack of adherence to protective protocols in the banking industry.
Product: Credit reporting or other personal consumer reports

According to the FCRA 15 U.S. Code 1681c2 - Block of information resulting from identity theft credit bureaus must block all fraudulent accounts that have been created through identity theft. 

Below Are the accounts and inquiries on my credit file that are fraudulent in nature and created through identity theft. 

XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Inquiries XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection BureauXXXX  XXXX XXXX XXXX XXXX , D.C. XXXX CC : Consumer Financial Protection Bureau , CC : Attorney Generals Office CC : XXXX XXXX XXXX , CC : UNITED STATES CONGRESS CC : Federal Deposit Insurance Corporation , CC : Comptroller Of The Currency CC : Federal Reserve System, CC : Credit and insurance CC : Federal Trade COMMISSION
Product: Checking or savings account

I went through a very turbulence time of my personal life, iwas not aware that bank of America have systematically release fund from my acct to a hacker, I found out and have contact the bank fraudulent department they have reverse some money but during that period the bank also charges me approximately 1300 to 1400 overdraft fee I have demand them to give back the fund they have refuse and claim it was to old, I have been a victim of both side please help
Product: Credit reporting or other personal consumer reports

Hello, I received a XXXX from from Block, Inc. on behalf of CashApp indicating that I received a gross payment of {$16000.00} all in the month of XXXX XXXX XXXX. I believe someone has use my information to fraudulently open up a business account with CashApp. 

I have tried contacting CashApp regarding this issue but they stated they can not help me since they have closed by account. They stated they have opened up a ticket to try and " reopen '' my account so they can help me with this issue. 

It's impossible to reach anyone to help me to have this issue fixed. I've already submitted a report with identitytheft but not sure what else I need to do.
Product: Debt collection

I contacted the company on XX/XX/XXXX with the intent of gaining verification/validation of the debt in which they are seeking to collect. On XX/XX/XXXX. The company responded with a copy of a lease, that lease indicated a lease termination date of XX/XX/XXXX yet a statement also attached to the email on XX/XX/XXXX indicates a balance through XX/XX/XXXX. This is willful negligence and a direct violation of the Fair Credit reporting act 15 USC 1681S 2B, where Columbia Debt Recovery failed to conduct a reasonable investigation. This is clear because had they been responsible and conducted an investigation they would have clearly seen that the amount they are attempting to collect is extremely inflated, unverifiable, egregious and incorrect. 

Additionally, I notified Columbia debt recovery dba Genesis Credit Management LLC of my intent to pursue legal action on XX/XX/XXXX. As a result, Columbia debt recovery has continued to add interest on a non-interest bearing collection instead of attempting to resolve or remedy the matter with me. Additionally, I have never agreed or consented either verbally or by nature of contract to an interest bearing collection yet they continue to add interest on top of the already egregious, incorrect and inflated debt amount. 

Furthermore, I filed a dispute through XXXX XXXX, one of the credit reporting agencies cues to which this collection/debt is reported to. Additionally, was not properly investigated as well.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name Account Number XXXX XXXX  XXXX Account Name Account Number XXXX XXXX XXXX Account Name Account Number XXXX XXXX XXXXXXXX Account Name Account Number XXXX XXXX XXXX Account Name Account NumbeXXXX XXXX XXXX XXXX XXXXXXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # 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, credit repair services, or other personal consumer reports

I disputed an account with Equifax, they failed to provide the method of verification. I have proof they did not perform a proper investigation to verify the inaccurate items on my report. They clearly stated they verified the information with a third party vendor and they are suppose to verify with the original creditor. The third party vendor has sent documentation showing a security freeze on my information that have with them months prior to the date of the dispute. They have completely ignored my request to verify these items on my report and refuse to removed the damaging unverified inaccurate items from my report. Please help me. Im not sure of what else I need to do at this point.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX XXXX XX/XX/year>
Product: Credit card

My VISA statement for the period ended XX/XX/year>, included an interest charge of {$5.00} based on an interest rate of 7.9 percent and calculated on a balance of {$780.00}. I am disputing the method used to calculate the interest charge. 

My XXXX statement showed a balance of {$1800.00}. I paid {$1500.00} prior to the due date, leaving a balance of {$290.00}. My interest should have been calculated based on {$290.00}, which to my knowledge is the way XXXXXXXX XXXX and other banks with credit cards do it. By including additional purchases in the calculation, Bank of America increased the balance used for the calculation from {$290.00} to {$780.00}, thus increasing the XXXX amount of my interest from {$2.00} ( calculated on a 365-day basis with 31 days in XXXX ) to {$5.00}, which I would think would be illegal. 

While the XXXX XXXX of excess interest in this case is small, there are likely XXXX XXXX XXXX of other Bank of America customers who are also being charged excessive interest, possibly in the XXXX XXXX XXXX. The Consumer Financial Protection Bureau should determine the legality of Bank of America 's method of computing interest and take appropriate action if, as I suspect, their method is against the law.
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 XXXX 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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX OF XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX  Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX for XXXX XXXX in XXXX Texas shows that I was living there with mother XXXX XXXX and I did move to XXXX Tx until XX/XX/XXXX. I sent Experian, XXXX, and XXXX this info i have regarding me not being in Texas until XX/XX/XXXX. I have my job offer letter from XXXX that I was starting in XX/XX/XXXX so there was so way I could have been there. And still experian won't remove this with all the info that was given and is messing up my credit badly I never signed no paperwork or anythign for my name to be on the apartment
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with XXXX to purchase a vehicle in XX/XX/2008.I recently ordered all three reports and noticed they were reporting to that i had a number of late payments .I contacted XXXX in regards to this matter because I after the vehicle was paid in full I received a letter and a refund stating the refund was in regards to them reviewing my account and the refund was for late fees and was assured they would correct with reporting agencies. All I also disputed the late payments in XXXX without any luck.I feel they are reporting falsely to the credit agencies and I have no luck trying to resolve.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX days 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. 


XXXXXXXX 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 XXXX
Product: Mortgage

PNC Bank seems to be utilizing misleading practices in mortgage ( HE ) monthly statements. The bank provides a section titled Explanation of Amount Due. In this section it breaks down how the  payment received is allocated between interest and principal. 
As an example it reads : Explanation of Amount Due Principal XXXX Interest. XXXX Regular Monthly Payment XXXX However, upon reviewing next months statement. There is a section in the bottom of the page titled Past Payments Breakdown In the section of paid since Last Statement it reads Principal. XXXX Interest. XXXX Total. XXXX It is clear that the explanation of amount due does not match how the payment is actually applied. This is misleading and has caused financial loss because the decision of keeping or selling the house was based on the payment allocation.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act, this creditor has violated my rights. Under 15USC1681 section 602 states, I have the right to privacy. 15USC1681 section 604A, section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Accounts in violation are as follows : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i have bank statements proving i paid!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account isn't mine the account says the loan was opened XX/XX/2018 which is false I didn't attend school in 2018 so have no idea what this is.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the items, or inaccurate information, from my file immediately & send me the results to the address. 

XXXXXXXX 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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX $ XXXX Opened : XX/XX/XXXX XXXX