23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been working as a XXXX / XXXX XXXX for a number of years. I am a XXXX XXXX and not a corporation. 

I have had a PNC Bank business credit card account for about 10 yrs. 

In XX/XX/XXXX I moved to a different location in my state, with a new mailing address. I updated my new mailing address on the PNC website, and PNC Bank mailed me a letter confirming they received the new mailing address. 

PNC Bank has recently removed any access to my business credit card account on their website, but I have saved screenshots showing that my address was correctly entered on their website. 

Between XX/XX/XXXX and XX/XX/XXXX, I did not receive any statements from PNC Bank by mail or email, that showed that I owed any minimum payment. The only statements available were several statements on the PNC Bank website that stated that my balance was {$0.00} and my minimum payment was {$0.00}. 

In XXXX & XX/XX/XXXX I left multiple messages on the PNC website stating that I had not received any statements. I have screen shots of those messages. 

I continued making monthly payments until XX/XX/XXXX, when my balance was {$5600.00}. After that I made several charges totaling about {$83.00}, and then the credit card was no longer valid. 

On XX/XX/XXXX I mailed a certified letter to PNC Bank explaining that I had not received any statements for my PNC Bank credit card account. 

PNC Bank customer service began calling me several times per week, leaving messages asking me to call them. I returned the calls multiple times but each time I received a voice mailbox. 

On XX/XX/XXXX, I finally reached PNC Bank 's Small Business Credit Card Default office. They told me that my correct address had been entered on their website, but they had accessed the wrong address in the PNC default office. 

On XX/XX/XXXX I received an envelope with PNC Bank statements for XX/XX/XXXX to XX/XX/XXXX. PNC 's XXXX statement was due XX/XX/XXXX. My interest rate had been increased from 12.4 % to 30.74 %, multiple late fees and large finance charges had been imposed, and a minimum payment of {$680.00} was demanded. 

On XX/XX/XXXX I received a new statement with total amount of {$940.00} due on XX/XX/XXXX, and the new balance was now {$6100.00}. I refuse to submit to PNC Bank 's racketeering practices.
Product: Credit reporting

I tried to get a copy of my credit report on-line at annualcreditreport.com but it would not let me. I mailed in a paper request to Transunion with the required documentation. They never responded and I never got a copy of my report. I also wrote to them in XX/XX/2016 to ask them to put a fraud alert on my account. I never received a response.
Product: Credit reporting or other personal consumer reports

Unable to get credit report on my mortgage, i have been making payments and never missed a payment, they received my payments but they never reported it to the credit agencies
Product: Mortgage

My loan was purchased while I was awaiting a decision on a modification. I had received 2 letters from XXXX stating that have received a full package and will contact me in 30 days. 36 days after those letters I call to find the results and Im told my loan was sold to Fay Servicing company. Since then I have been trying to contact XXXX to find out the status of my loan. I was told by one representative that my loan was not protected and it was in foreclosure. I was told by another representative that I have a manager that works on my account name XXXX that will be contacting me in an email was sent it has been over a month I have yet to hear from that person. I have contacted XXXX XXXX to assist me in phone calls and they have failed to get any information. They refused to call me back. When I call they are rude, they offer no advice no help Im just told somebody will contact me but it is been almost 2 months and I have read upon their reputation that they force homeowners into foreclosure which scares the life out of me. They had a class action suit against them in 2017 and were find over {$1.00} XXXX for forcing homeowners into foreclosure. I feel that this is the same thing they are doing to me I get no cooperation no answers nobody will help me all I keep getting is somebody will call me back XXXX has not called me back once and he has received three different emails from three different representatives nobody else will help me.
Product: Checking or savings account

I went to to use my card the other day and I believe Immy account has been hacked or something I used my debit card at the atm and someone else name popped up
Product: Credit reporting or other personal consumer reports

A company is making me pay money for things I didn't do and I believe its because I'm XXXX I was leasing out a property I decided to break my lease I left like they wanted me to but they are making me pay for damages I didn't do I was being Harrass through messages and calls to leave the property before even seeing the judge
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I tried to tell them having trouble making payments. Gotten behind and paying what ever I can. They will call 6 to 10 a day. Blowing up my cell or calling my job. I have asked both to stop no use. Won't stop.
Product: Debt collection

Company : Navient ( student loan company ). 
Account # : XXXX according to a new company that purchased all the loans from Navient after being sued by many States. 
new company 's name : XXXX ( XXXX XXXX XXXX XXXX ) please see the attached pictures. 

According to Navient i have been late, 60 to 120 days, the US Goverment has paused all student loans until the end of the year XX/XX/2022. 
This company has been harassing me over the phone and emails to make payments even when the President of the United States has signed the care act and has paused all the students loans and recently he has signed the forgiveness loan for many students. 
My credit has dropped XXXX points on both agencies XXXX XXXX XXXX 
This procedure violates my consumer rights in every possible way. 
NAVIENT has been sued by many attorney generals due to their fraudulent practices alongside with many Colleges, nationwide lawsuit/ Class A lawsuit. 
i seeking justice because i can't afford to have a credit score below XXXX, i'm a single parent with a huge debt due to " student loans '' that did not get me the job i was offered in the first place.
Product: Debt collection

Delete the late dates and update the statuses of the accounts now. I've disputed and sent letters, but the inaccurate information remains on my report. Take immediate action to comply with the law, delete the late dates, and ensure my credit report is accurate no more delays or excuses! If you don't, legal action will follow. 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

I mailed in certified letters for the credits & collection company to  validated debts they claimed I owed. XXXX Dispute Results claimed the debt was verified. Per the Fair Debt Collection Act, a consumer has the right to dispute inaccurate information on their credit report, the company and collection company has 30 days to prove the debt is accurate with proof. XXXX, and XXXX XXXX XXXX has failed to prove proof within 30 days from the date of my certified letters.
Product: Money transfer, virtual currency, or money service

Throughoutthelastfewmonthswehavehadawebsite(XXXX)withdrawanddepositlargeamountsofmoneyintoourbusinessChaseBankingaccount.Wehaveattemptedtoresolvethisissuewiththebank,withlittleluckorinformationgiventous.Thechargesbeganwitha"test"onXX/XX/2018XXXXdepositedXXXXintoouraccountandthenanotherdepositofXXXX.Twodayslater,XX/XX/2018,XXXXwithdrew$XXXXand$XXXXintwoseparatetransactions,thenXX/XX/2018theywithdrew$XXXX.AgainonXX/XX/2018theywithdrew$XXXX.AtthistimeweapproachedthebankandwerecreditedonXX/XX/2018,theamountsof$XXXX&$XXXXintoouraccount,onXX/XX/2018thedeposited$XXXX.(WeareunclearifthisCREDITwasmadebyChasebankorthewebsite)XX/XX/2018theChaseBankreturnedthefundstoouraccountonlytohave$XXXXbeattemptedtowithdrawonXX/XX/2018,thankfullywemovedourmoneytoadifferentaccountonXX/XX/2018.LastMondayXX/XX/2018thebankwithdrewallofthefraudchargesain.ThemostrecentwithdrawwasmadeXX/XX/2018wheretheytookout$XXXXand$XXXX.AfterthesetransitionsChaseBankclosedouraccountwithoutanykindofnotification,andwhenaskedareoutwardlyrudeandtolduswewerenolongercustomers.Thetotalnumberoffraudchargesequalsto$XXXX.
Product: Money transfer, virtual currency, or money service

I paid off my Self loan and I was told that I would receive payment on the XXXX of XXXX. I was asked to verify my identity with the debit card I payed with and a drivers license. I found this strange because why wasn't this done before they started my account and accepted my payment? Self Lender never said this process would result in them freezing my funds. The lend my to believe this process was just about keeping my account. After trying to comply with there demands now there website won't accept my docs.
Product: Credit reporting or other personal consumer reports

In the month of XXXX, I was interested in purchasing an XXXX I requested Pre-Approval for a unit I was interested in purchasing. I was working with a loan officer from XXXX XXXX, XXXX XXXX. After getting confirmation of a pre-approval, I requested the terms to be sent to me. Without the knowledge or consent, I received a notice that my credit had changed. I figured it wasn't the company pulling my credit because I would have been notified they were doing so. Since I was only requesting pre-approval, I did my due diligence to ensure no " Hard Inquires '' would happen. I received the first hard inquiry on XX/XX/XXXX. 

With purchasing an XXXX, you look at what you're " pre-approved '' for, and you begin shopping. I found two different units and requested information on the difference in loan terms/rates because of the spread in a year, purchase amount, and years on the terms. Once again, and without my consent, a hard inquiry was pulled to confirm this information. I did not consent in written or verbal form. The second hard inquiry was on XX/XX/XXXX. 

For the third time, I requested information for a different unit, after the purchase of the other two happened before we could close. At that time, I found a unit I was planning to purchase, gave the information, and then was notified, " We will pull your credit to get the accurate rates/terms ... '' I responded, with surprise, doesn't that happen when we begin closing and need final approvals? I was then told they had been running my credit and getting final approvals on each of the units I inquired about ( 3 ) at this point. I explained that I didn't realize or was told that they were pulling my credit each time. This was on XX/XX/XXXX. 

Since time, my credit score has decreased by XXXX points. I am requesting these hard inquiries be reverted and the score points replenished, or a note confirming they should be replenished.
Product: Credit reporting or other personal consumer reports

I paid off my account with XXXX XXXX on XX/XX/XXXX. To date, it has not been updated accurately on XXXX, Equifax, or XXXX. XXXX XXXX is reporting the account on all three bureaus as late, and it has significantly impacted my score causing a XXXX point decrease. I ask that my score be updated immediately, because upon paying the account, they informed me that it would be reported at the end of the month in which the account was paid off, but they have reported inaccurately on XX/XX/XXXX and XXXX of XXXX to XXXX, Equifax, and XXXX, instead of reporting the correct payment amounts, the amount of last payment, the date of last payment, and the fact that the account is satisfied per the letter that i have attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I submitted an application for preapproval for a mortgage loan through XXXXXXXX XXXX XXXX XXXX, since I was interested in possibly purchasing a manufactured home which XXXX XXXX. I submitted an application with XXXX over the summer of XXXX, but ended up not purchasing a property at that time, and then again in XXXX of XXXX. 

On XX/XX/XXXX, XXXX XXXX of XXXX wrote : " Here is your updated conditional approval. Also in order to qualify for a 30 year mortgage your credit score would have needed to be a 680. The score we pulled from Transunion was a XXXX. So we wouldn't be able to offer a 30 year loan. '' See the enclosed documentation. 

Of course, the credit score determines the loan terms. It seemed a little strange that my TransUnion score could have been so low, especially when everything I've done has helped raise my score and my scores at the other bureaus were up over 700. 

Seeing that something wasn't right with what XXXX was telling me about my score, I purchased my TransUnion score on XX/XX/XXXX. On XX/XX/XXXX, my TransUnion score was XXXX, almost a full XXXX points higher than the XXXX that XXXX XXXX was telling me it was just a few weeks prior. See the enclosed documentation. 

There's no way my score increased by nearly XXXX points from XX/XX/XXXX to XX/XX/XXXX. XXXXXXXX XXXX  has been caught literally lying about credit scores in order to offer less favorable loan terms. 

What's the purpose in even pulling a credit report/score if you are going to lie about the contents anyways? I didn't consent to XXXX XXXX  pulling my report/score to turn around and lie about the score to offer me less favorable loan terms than I should have qualified for based upon my own knowledge of my score. 

Since XXXX XXXX  is using credit reports/scores for inappropriate purposes, the inquiries from XXXX and XXXX were made without my consent, and therefore the inquiries need to be removed. 

I notified TransUnion of the details and supplied the documentation to support removal of the inquiries, and yet TransUnion informed me that they wouldn't remove the inquiries made by XXXX XXXX  unless XXXX XXXX  itself contacts TransUnion to have those inquiries removed. 

This would be like a police officer showing up to the scene of the murder and deciding to not arrest the murderer unless the murderer agreed that he should be arrested! XXXX IS THE PROBLEM! The evidence is overwhelming!
Product: Credit reporting or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as correct or update these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Capital One Bank on numerous occasions regards to the inaccurate late reporting for the entirely XXXX  year on a closed account I pervious had open with Capital One This account was not late in XXXX ; on XX/XX/XXXX account was paid in full and closed by Capital in XX/XX/XXXX. XXXX shows Capital one account late for the entire XXXX  year ; this is inaccurate information. XXXX shows Capital One account closed XX/XX/XXXX, and XXXX shows account last payment XX/XX/XXXX ; Capital One refuses to report correct information on my credit report. Instead Capital One email letters stating account appears to be at a XXXX  balance as of XX/XX/XXXX, and the account was closed and has been since XX/XX/XXXX. See attchments I have spoken with XXXX ID XXXX ; I talked to supervisor XXXX ID   XXXX ; he provided it a case # XXXX. I talked to XXXX ID XXXX, and my credit report has no been corrected it
Product: Credit reporting

According to XXXX XXXX was deleted from my Transunion Credit Report between XXXX XXXX - XXXX, 2017. Today I checked my Transunion credit report online and the company is reappearing once again. I had investigated this creditor with CFPB in the past and it was removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX The Payment Status is inaccurately reporting as 90 days late with Experian, while TransUnion and Equifax show it as current. Additionally, the two-year payment history reflects XXXX  days late for XX/XX/year> and XXXX  days late for XX/XX/year>, both of which are incorrect. Please update the payment history to reflect " Current '' or " Paid on Time, '' as this account has been paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is many inquires that I have not authorized, this might be fraud
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX Account # XXXX No contract and no signature
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document 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 the months that I was late 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.
Product: Debt collection

I dont know this company. I have never done business with this company. I don't have credit with this company. I don't have a signed contract with this company. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Diversified is required by federal law to verify - through the physical verification of the original SIGNED CONSUMER CONTRACT - any and all accounts they attempt to post on a credit report.

In addition, I have NEVER asked this company to mail me identity theft information.

I dont want this company calling me or mailing me with harassing fraudulent communications.

My next course of action will be to file legal action in my county in the amount of {$10000.00} for damages. Along with other entities who violate Section 609.
Product: Vehicle loan or lease

Chrysler Financial has placed an account on my credit profile that is XXXX XXXX XXXX. This action is a clear violation of the Fair Credit Reporting Act ( FCRA ) specifically Section 605a, which states that negative information, such as collections accounts may only be reported for a maximum of seven ( 7 ) years from the date of the first delinquency. The account in question has exceeded this reporting limit by several years, and I am requesting that it be removed from my credit profile immediately. I am seeking your assistance to ensure that this inaccurate and outdated information is removed from my credit profile as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are the dates when I mailed out letters asking them to fix the errors XX/XX/18 and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.