23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

In XXXX my mortgage was transferred to PNC Bank. We were completely in the dark during the transfer and then notified we were late on our first payment with them. Prior to this, we had never been late on a payment before and with several other banks that have owned our mortgage loan. I have since been on the phone with a representative of this institution every single month due to an incredible level of negligence and incompetence. We set up auto pay the second month, XXXX, but we 've been notified of late payments every month because they fail to draft a payment. I call again, I express my problem and my frustration, they apologize, they correct their mistake, and then we do it all again the next month. We 've tried setting up a Bi-Weekly Draft Program twice now and both times they have failed. I just received a letter in the mail today, XXXX XXXX, informing me that " I '' did n't meet the payment deadline and therefore they ca n't set up bi-weekly payments. Their administrative oversights are consistently constant. I have not seen a single bit of evidence that their staff has successfully completed any task in regard to the management of my mortgage. Beyond this, their customer support is the most toxic I have ever encountered in any form of business I have ever encountered in my life. To properly gauge this comment, PNC Bank customer support is worse than a cable provider. They are openly rude, condescending, and overall hostile to me every time I 'm on the phone with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was involved in an identity theft incident and EQUIFAX DATA BREACH. I Have attached proof that this breach has caused harm to me. To my surprise, the criminals opened up accounts in my name that was never authorized by me. Please note that I provided the credit bureaus with the police report and the proof of my identity theft as well as proof directly from Equifax that I was involved in the data breach which lead to my identity theft case. to no avail they refused to block the accounts temporarily while investigation which I know will be permanately removed. This is very frustrating and violates my consumer rights. Please don't say that you are still investigating because you have already passed the investigation time line.
Product: Checking or savings account

I deposited {$10000.00} with money order into my BANK OF AMERICA checking account on XX/XX/year>. There were total 10 pieces of money orders with {$1000.00} each. 

The bank teller gave me the receipt and verified the amount and gave me two receipts : one was {$1000.00} and the other {$9000.00}. Please see attached file 1. 

On the XXXX of XXXX of 2024, I noticed that they charged {$1000.00} back. I went to the branch in XXXX XXXX, CA on XXXX of XXXX, 2024 and talked to a banker. He called BOA and found out that the teller made a mistake- says that she double scanned one of the money orders and created double entries for one {$1000.00}. Please see file 2 attached. 

And then I received a letter from BOA says that actually there's another mistake made by the teller : that she deposited one money order twice!! Please see file 3. 

As far as I can guarantee you that I did deposit 10 pieces of money order total {$10000.00} and the teller did verified with me - there can not be such a stupid mistake made without any of us noticed!!! I demand that they should release the video record of the transaction on that date!! 

They actually made 3 mistakes for this transactions : miss placed one of the money orders ; double entry one of the money orders ; double scanned one of the money orders. 
I strongly beleive this is not my fault and I should not be responsible for the {$1000.00} lost. 

I would like them to refund me {$1000.00} asap. Please let me know if theres anything else you need to process my request. 

Appreciate your help!! 

Best regards,
Product: Consumer Loan

I am not really sure what this loan credit inquiry is that is being reported on my credit report. I did not authorized applying for a line of credit through " XXXX XXXX '' and " XXXX ( XXXX ). Company is XXXX, FL XXXX. They have tried twice to preapprove me on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. I need it to stop and for the unauthorized inquiries to be removed.
Product: Credit card or prepaid card

I am a victim of identity theft. I been receiving death threats, threats of legal action of been sent to jail and prison, harassing, profane and abusive telephone calls from Target Card Services for a debt and Target credit card account thats a fraudulent account and not my debt. The account and debt from Target, is not my account or debt. I did not apply for a Target credit card.
Product: Checking or savings account

On XX/XX/year> I discovered the {$1900.00} was taken out of my PNC BANK NA checking account for XXXX  charges. I no longer had a XXXX account due to mine being suddenly closed by XXXX on XX/XX/year> for alleged terms of service violations. I certainly did not violate any terms, I rarely used the service since they allowed my information to be leaked in a data breach so I did not think much of it. I Spoke to the PNC Bank dispute department via voice phone call & explained that I did not make nor authorize these XXXX  charges and that I had no access to XXXX due to my account being closed the previous month. I offered to send the proof that my XXXX account was closed on XX/XX/year> & was told if the dispute team needed it or any other information they would get in touch. I received a provisional credit for the full amount of the dispute on XX/XX/year>. I never heard anything more about the dispute. I assumed it was over. On XX/XX/year> PNC BANK NA deducted the {$1900.00} from my balance without warning, listed as provisional credit reversal for the XXXX  dispute. I open the support chat in their app. I tell them I need to start the dispute over apparently since the money was taken from account. I was instructed to go to the PNC Bank website to initiate the process. There's no option I could find to do that. I've tried texting app chat support agents numerous times to get this sorted out to no avail. The app and Website has not worked properly in months. PNC BANK closed all the branches in West Virginia where I live so it would require going out of state to walk in to the bank to actually speak with someone about this matter. When I brought that up to the phone agent I was told the dispute team is not accessible in person even by going to the bank. I am attaching the email from XXXX  stating my account was closed on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX To Whom It May Concern : this my second time writing to update my personal information 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX financial is illegally reporting a line item on my credit, since they are REFUSING to accept payment. Any creditor listing a line item on a credit report, must offer a means of satisfying that debt, to the EXACT ENTITY name listed on the credit report. If they WANT A 3rd party to be paid, they must HAVE THE 3rd party list the line item, with the option to also list an ORIGINAL CREDITOR. It is illegal to not offer a solution or repayment method, while listing a line item on someone 's credit. I have attached a recorded audio file, of XXXX XXXX refusing my payment attempt.
Product: Checking or savings account

I previously submitted complaint XXXX and received and email from Bank of America requesting a call from me to verify my identity. I have called three times and had to leave a voicemail each time. Their voicemail states I will hear back from them or their colleague within 24-48 hours. I have yet to receive a return call. This is a pressing matter and I have followed their instructions. They demand that I call them by XX/XX/2020 but yet they can not return my call. 

I want the courtesy of a return call. My next actions are to contact the OCC, the XXXX and my state 's Attorney General 's Office. 

I want the fraud protection I am promised and deserve. I did NOT participate with the merchants involved with the 72 charges in my claim.
Product: Checking or savings account

I became a victim of identity theft in XXXX and I have been trying to resolve issues with various banks regarding bank accounts being opened in my name. I have disputed the accounts through XXXX XXXX, XXXX, etc and I have not been successful in getting the accounts removed due to fraud. The banks in question or Bank of America, XXXX XXXX, and XXXX. I have contacted these banks numerous times with the past 4-5 years. I have been given the runaround or that the debt is too old and can't be disputed. This has caused me to not be able to open a bank account due to the negative information being associated with my driver 's license number or social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand t o see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verif iable proof, you must remove the accounts listed below.I demand the following account be verified or removed :  XXXX   XXXX    XXXX   #  XXXX   XXXX  : Unverified account Beside that, the below information is too old to have in my file, please delete it immediately :  XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX  #  XXXX
Product: Mortgage

I have been on medical leave since XXXX XXXX. I've been doing my best to keep up mortgage payments even paying a couple of times over the amount so i can catch up on the late payment. I went to pay another payment they won't accept on line or over the phone. I also went back and realized they hadn't processed my last payment. I received a confirmation number but mortgage company refusing to take payment. Loan officer stated it will show me more behind and they can start foreclosure proceedings.
Product: Credit card or prepaid card

I signed up for a US Bank Cash+ card on XX/XX/XXXX with the following sign up perks Get {$100.00} bonus after spending {$500.00} within 3 months Get {$25.00} bonus when redeeming your first {$100.00} in a single redemption Get an extra .5 % bonus on all earnings for your first cardmember year All I am receiving is the extra .5 %, missing {$120.00} the fine print was : Existing and previous Cash+ Card accounts do not qualify for this offer This is an online offer only I applied online and never had any business with US bank prior. I made the {$500.00} in spending in the allotted time. I called them because I didn't see the bonus on my account, and they said that there was never a bonus applied to my account. 
They had changed their bonus in XX/XX/XXXX so I couldn't point to their website to confirm it was what it said it was. 

They asked me to fax in any documents I had which I tried to explain that their sign up bonus was well documented among many reputable websites. They claimed they can not open a link. I asked them do they really want me to print out a website and fax it to them. They said they need a physical copy. 

One of the reputable sites that clearly document their promotion XXXX XXXX XXXX
Product: Debt collection

This credit card account ( Spring Oaks Capital ) was opened fraudulently and is under police investigation. I had no knowledge of this account and disputed this account repeatedly. This company allowed an account to be opened without proper identification or in-person verification with photo ID.
Product: Student loan

It is difficult to understand why I am a customer of Navient as I have never solicited this company in any regard. I was merely emailed as my original loan holder must have passed me off to Navient without my knowledge or permission. After Navients meddling in my account I am now in a far worse financial standing and understand that not only has my student loan total balance increased by at least {$2000.00}, my monthly bill nearly quadrupled. Mind you I have made payments on time every month for years, I am in now in a far worse financial situation having been a customer. Following Navients instructions to reapply for an Income Driven Repayment Plan, I am furious to discover this plan has added to my total debt. How can this even be called a Repayment Plan if it actually worsens my financial dilemma? Why would such a plan exist, other than to rob me in a fashion that only gets worse the longer I am under the auspices of Navient? <P/>The plans I have been enrolled in by Navient and their financial repercussions were never expressed to me in any language other than very fine print legal jargon, which I dont understand, as I do not have a law degree. What I do understand, is that I actually owe more now than I did before Navient took over my account, validated by calling a front-line customer service agent of Navient ( XXXX, ID # XXXX ).
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, the problem persists. These entries have severely affected my life, causing considerable stress and anxiety. I must emphasize that, as a victim of identity theft, I never authorized or consented to the association of this information with my name.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX account number : XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXX looked at my Experian credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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. CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS
Product: Credit reporting or other personal consumer reports

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless  down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Product: Debt collection

I ask for information proving that I owed lvnv and when did I have an account with them
Product: Credit reporting or other personal consumer reports

To Whom This May Concern : On XX/XX/year> I wrote you a letter requesting verification. 
On XX/XX/year> you responded stating that you have previously investigated and verified this account. I sent you a direct request so l believe you are attempting to stall or ignore my right to request verification and have this incorrect information removed. 
I demand that you initiate an investigation as is my right under the FCRA, or send proof that you have previously investigated these listings. DO NOT SEND ME VERIFIED RESPONSES!
Product: Credit reporting or other personal consumer reports

I ordered from XXXX  a watch. Than they send me the item from XXXX they claimed they delivered it to me on XX/XX/XXXX and i did not receive the item. I filled a report with XXXX company originally didn't know i was supposed to call XXXX  which i didn't know. i thought my credit card company was supposed to take care of all the claim with XXXX  and than the police but they didn't do anything my credit card company which is AMEX CREDIT CARD company and they kept me waiting and didn't do anything at all i thought they were supposed to do full investigation. on XX/XX/XXXX i called XXXX i said to XXXX  IF they can send me something that says they were supposed to check my id before handing the product over i received something from XXXX  that shows that XXXX  company was supposed to check id and than have me personally signed and they don't have that they only have a paper says they delivered to a residence doesn't say address or any7thing i needed full investigation from XXXX  to help me they didn't help me, they said i passed the 30 days and didn't file a claim with them but i filled with XXXX and AmEx card company and no one helped me. No one is helping me investigate this matter and get my money back i am so disappointed in XXXX  for not helping me. and investigate this matter for me i filled it on time i just didn't know i was supposed to file it with cartier.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I made an online transfer ( XXXX dls ) reference no. XXXX in XXXX by Money Gram to a XXXX XXXX  account in XXXX XXXX and the money did not appear in the intended account. 
I contacted Money Gram to be able to make the cancellation since the money was never received and they told me that they cant return it that they have to investigate first, but in the rights there it clearly says that if the money was not received, the cancellation can be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed the consumer reporting agencies notifying them about three consumer credit transaction accounts that they are reporting on my consumer reports without my consent or authorization. It is to my knowledge that consumer reporting agencies are prohibited by law to report any consumer credit transactions, factual information, or information solely to transactions between the consumer and the person making the report. The three consumer credit transaction accounts are for my personal, family and household purposes and I do not want my private and personal transactions and experiences furnished on my consumer report for public use with my written consent or authorization in which I do not benefit from. It is the consumer reporting agencies duty and responsibility to abide by the Fair Credit Reporting Act, display fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXB XX/XX/XXXX.