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

i wrote a check ( # XXXX ) to my doctors office for {$150.00} and mailed it on XX/XX/XXXX. The sealed envelope was picked up by my mail carrier but never made it to the doctors office. I noticed unusual withdrawal on XX/XX/XXXX, and the check was completely altered made payable to XXXX XXXX for {$1500.00} for back pay in XX/XX/XXXX. The numbers, letters and signature was completely wiped clean and altered by the criminal. The letters, numbers and signature did not match my handwriting, they were completely different. 

I notified the bank, PNC through the customer service line and they informed me it usually takes 2-3 weeks to resolve this matter. I received the affidavit of Altered Check 1 week later. I had it notarized as instructed by my branch in XXXX and they faxed it back to their offices that handle such matters. They also informed me there is no signature matching within their check processing systems. 

Not hearing anything, I started calling the bank on XX/XX/XXXX. I was able to reach XXXX XXXX who informed me he couldn't get a hold of me ( with one phone call ) and mailed a letter to my home which I haven't received yet. The purpose of his call was to inform me that he was my case manager. Two months had expired and I have not heard from anyone at PNC at this point. 

Having been with PNC for more than 6 years with over {$100000.00} in deposits between trust, checking and savings accounts, I was dismayed at the customer service to say the least. On XX/XX/XXXX, after a visit to a different branch, I spoke to XXXX XXXX at the XXXX location. That day, I wrote to the CEO, XXXX XXXX to escalate and try to get responses to the delay and after more than 2 months, I have not received a provisional refund. 

I was also surprised to learn from the Washington XXXX that criminals are stealing mail from the USPS and altering checks. As I receive almost daily updates from PNC regarding loans, credit cards, online scams, etc., I am extremely disappointed that I have not been alerted by PNC to purchase more secure tamper proof checks and / or ink that can't be altered. 

PNC has failed in their fiduciary duties to protect my funds in their bank.
Product: Student loan

XXXX keeps sending me bills for late charges even though my payments are on time.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment reported by on my credit report. Contrary to the information provided, I have consistently maintained an exceptional payment history with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX and all payments were placed on autopay. The late payment reported is a result of a systematic error on the creditor 's end in processing my payment. 

Since this is information you should already have in your possession I feel 15 days after receipt of this notice should suffice for the information being requested to be provided. 

PLEASE BE ADVISED THAT THIS REQUEST I SALSO BEING SENT VIA CERTIFIED MAIL! 

* XXXX ( Account Number : XXXX ) * XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) * XXXX XXXX XXXX  XXXX ( Account Number : XXXX XXXX This erroneous late payment is not a reflection of my payment behavior but rather a billing error made by the company, which violates USC Code 1681eb. The impact of this error on my reputation, character, mode of living, and my family has been severe.

I demand the removal of the late payment reported on my consumer report. The creditor is not in compliance with the law, specifically 15 USC 1666b, which sets standards and guidance for treating payments as late. According to 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 XXXX ( b ) of this title, is mailed or delivered to the consumer not later than 21 days before the payment due date. '' XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to send the periodic statement along with the disclosures from section XXXX ( b ). Despite my good faith request for proof that this information was mailed or delivered 21 days before the payment due date, it was never provided. 

This situation is unfair, illegal, fraudulent, and inequitable to me as a consumer. I urge you to take immediate action to rectify this error and remove the inaccurate late payment from my credit report. 

Please acknowledge receipt of this dispute letter and provide confirmation of the steps being taken to address my concerns. 

Thank you for your prompt attention to this matter.
Product: Debt collection

These accounts are not mine i demand that my report reflects true and accurate information under FCRA law usc 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am NOT financially responsible for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX formerly XXXXXXXX XXXX opened on XXXX in the amount of {$32000.00}. It belonged to my XXXX. I have NEVER signed as applicant, co-applicant or guarantor for any loan or real estate mortgage reporting on my credit file with Equifax and XXXX. XXXXXXXX XXXX is FRAUDULENTLY verifying that the information reported is accurate which is AGAINST THE LAW. I am requesting that XXXX bank deletes the loan account from my credit profile IMMEDIATELY. Should they refuse, I request that they supply you with the record of original loan application and settlement documents with my signature as evidence that I am a signor of the loan in dispute.
Product: Mortgage

My Mortgage is with US Bank, I have reached 76 % of the original sales value of the loan and they bank refuses to take the PMI off the loan.I have contacted them 3 times. I 'm not asking for a manual removal, instead the automatic removal should 've been done. Also, I have read the original papers i signed at closing and my Mortagage is not a high risk loan. According to them I will require an appraisal I need to pay to get this done. I have read the Homeowners Protection Act and all the documentation. There is nothing regarding this. 
Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights have been violated on each and every one of these accounts! 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX and 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. My legal rights have been violated. 
FCRA RIGHTS HAVE BEEN VIOLATED UNLESS REMOVED I WILL BE SEEKING DAMAGES FOR THESE WILLFUL VIOLATIONS Paid Account / Late Payments Account Name : XXXX  Account Number : XXXX Please investigate every piece of information is correct. If the late payments arent reporting XXXX percent accurate, please remove them from this account and update the account as paid as agreed Account Name : XXXX XXXX  Account Number : XXXX Please investigate every piece of information is correct. If not please remove it from my credit report. 


Account Name : XXXXXXXX XXXX  Account Number XXXX Please investigate every piece of information is correct. If not please remove it from my credit report.
Product: Checking or savings account

My card was stolen and I filed a police report and Citi bank only credited me for the transactions that werent used with a pin.
Product: Credit reporting

i have so many credit inquiries on my reports that i do n't even know these companies. plus i have a collection account from XXXX that is banned from fdca. i have called all XXXX credit reporting agencies and got no where. sometimes ever very rude. i hope you can help.
Product: Checking or savings account

I have been with Navy Federal for over 10 years and have received thousands of dollars in overdraft fees.

I was not aware of the overdraft protection plan until after I had many overdraft fees at one time.
Product: Credit card or prepaid card

For months on end I have told cash app regarding unauthorized charges and it's seems they say back end floated through it without lifting a finger to decide credit or apologize with something I can use for XXXX  me off on charges to XXXX XXXX XXXX and app like XXXX XXXX I've had it with these frausters and oreover the quasi banks that's thinks it ok to hide behind the XXXX  symbol bit not honor it with provisional credit for credible people
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/year> Credence ResourcesManagement LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Cease and Desist Demand for Collection Activities ReferenceNumber : XXXX DearCredence ResourcesManagement LLC, I am writing to formally demand that you cease and desist all communication and collection activities related to the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop all contact with me regarding this matter.

This letter serves as my formal notice to exercise that right. Effective immediately, you are prohibited from contacting me at any time or through any means, including but not limited to : Telephone calls to my home, work, or mobile phone. 

Written correspondence sent to my home or email address. 

Any form of communication with third parties, including my employer or family members, regarding this matter. 

Be advised that failure to comply with this request may result in legal action against your agency for harassment and violation of the FDCPA. Additionally, if you believe this debt is valid, you may only contact me to provide verification of the debt or to inform me of specific legal actions you intend to pursue. 

Please confirm in writing that you have received this cease-and-desist request and that all collection activities and communications will cease immediately. All future correspondence should be directed to me exclusively in writing at the address provided above. 

This letter is not an acknowledgment of the validity of the alleged debt, nor is it a waiver of my rights under federal or state law. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX XXXX XX/XX/XXXX Credit Bureau XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I was looking over my credit report and found some addresses that. 
Appear to be incorrect. I left the XXXX 6 months ago and want to delete all my old addresses in XXXX XXXX XXXX Oklahoma. I enclosed documentation providing proof of my current address, as instructed on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed, please ) : XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX There should only be one address listed on my report, which Is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX, XXXX XXXX XXXX also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, to make the process of deletion easier, here are the incorrect spellings I see listed : 1. XXXX XXXX 2. XXXX XXXX XXXX Please remove inaccurate employer as well as listed below : THE XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. Thank You! 

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

The account I am filing a complain about is appearing on my report from a company called I.C. SYSTEM, INC. Their contact information, according to what's on my XXXX  credit report is : phone number is ( XXXX ) XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  MN XXXX. The account number they have listed on my credit report is : XXXX. This remaining balance of {$380.00} ( Ticket # : XXXX ; spoke with a rep named XXXX who processed my payment ) that was previously associated with this account was PAID IN FULL to the original debt-holder, XXXX, over the phone on XX/XX/XXXX @ XXXX ( PST ). I.C. SYSTEM, INC. is still reporting a FALSE balance of {$830.00} on credit report as of XX/XX/XXXX. Before the balance was updated randomly to this amount, it was {$910.00} reported, also falsely since XXXX of XXXX. I do not have a balance owed to XXXX anymore, period. I do not have any open or closed accounts with a balance under my name for this company AT ALL. I.C. SYSTEM, INC. is fraudulently still applying a non-existent debt on my credit report every month, despite NUMEROUS attempts from XXXX to notify them the former balance of only {$380.00} has been paid in full. At this point, this is my absolute last resort because every time I call I.C. SYSTEM, INC they tell me XXXX has not updated them of the balance being paid in full. But every time I spoke to XXXX they continuously uphold that I do not have a debt owed to them. I also have proof the previous account which was active in XXXX has a XXXX BALANCE.
Product: Credit card or prepaid card

I called Sears Home Improvement for a free estimates for my roof and Countertop, A XXXX came out and gave one for my countertop, then a roof guy came and gave me XXXX for my roof the next day. Both rep then ran my credit and to my surprize I was approved for {$25000.00}. I went ahead and sign the contract but I advised XXXX that the payments was way too high but my Insurance company was in process of giving me some money for damage on my roof. It did not come through. I then called my XXXX XXXX and told her that I was cancelling the deal, she told me it was ok because she gets paid anyway and that she would come back to my home and do the cancellation herself, we agreed. I filled out the cancellation form and mailed it in two days before, XXXX XXXX didnt come to my home her boss did and his intention was to convinced me to keep the deal going. I refused he then told me cancel the countertop and put the roof on hold uhtil, but I refused and told him to Please cancel the contract, we shook hand and then he left. To my surprized he didnt cancel the deal and so my card was charged
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX AVXXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back In XX/XX/2016 Discover I had a late fee the following month I paid my bill in XX/XX/XXXX and had told them I had a death in the family they agreed to remove late fee. I was recently on XXXX XXXX and noticed the late fee had never came off.

I had called discover and am still waiting for late fee to be removed.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to urgently dispute an inaccurate entry on my credit report. The disputed account is : Account Name : XXXX XXXX Account Number : XXXX Date Opened : [ XX/XX/XXXX ] Date Closed : [ XX/XX/XXXX ] Current Status : Closed and Paid The account was originally opened with XXXX XXXX XXXX  and was subsequently purchased by XXXX XXXX. Despite reporting previously being paid and closed with XXXX XXXXXXXX XXXX  and XXXX  on XXXX credit report, the account is being reported by XXXXXXXX XXXXXXXX  as delinquent by XXXX, and XXXX ) . However XXXX XXXX XXXX  also shows paid /closed and reporting positively on both XXXX and XXXX. This inaccurate reporting has resulted in a significant drop in my credit score I request that the Consumer Financial Protection Bureau assist me in resolving this dispute and having the inaccurate entry deleted from my credit report. I believe this is a clear case of inaccurate reporting, and I am entitled to have it corrected under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I am requesting that the credit bureaus : 1. Delete the disputed account from my credit report.

2. Correct the inaccurate reporting to reflect the account 's true status as closed and paid.

I would appreciate it if you could expedite this matter, as the inaccurate reporting is causing me significant harm. Please find the necessary documentation attached to support my dispute. 

I have attached documentation to support my dispute, Proof of payment reporting closed and paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX XXXX XXXX XX/XX/XXXX Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I instantly deposited {$220.00} from cashapp owned by XXXX XXXX to my card. It is missing. They will not help me file a claim
Product: Credit reporting or other personal consumer reports

Around XX/XX/XXXX, I noticed an account listed for collection by NCB Management Services with a balance of {$8200.00}. This account is showing up on my credit report, but I havent received proper documentation to validate the debt. To make matters more confusing, the original creditor is also listed as NCB Management Services, which seems strange and raises questions about the accuracy of the information. 

On XX/XX/XXXX, I disputed this account with the credit reporting agencies and reached out to NCB Management Services directly. So far, I havent received enough proof that the debt is valid or that they even have the right to collect it. 

Even though Ive disputed it, the account is still showing up on my credit report as Account information disputed by consumer, but nothing has been resolved. Im also concerned about the amount listed because it doesnt match what I expected based on prior communication with the original creditor. 


Actions Ive Taken : XXXX. Disputed with Credit Bureaus : Date : XX/XX/XXXX Status : Waiting for updates or resolution. 



XXXX. Requested Validation from NCB Management Services : Date : XX/XX/XXXX Status : No response or proper documentation received. 



XXXX. Contacted the Original Creditor : Date : XX/XX/XXXX Status : Still waiting for confirmation about the account transfer and balance. 


What Id Like to Happen : I need NCB Management Services to provide full validation of this debt. This includes proof of the original agreement, a clear breakdown of the balance, and evidence that theyre legally allowed to collect it. 

If they cant provide this information, Im requesting that the account be removed from my credit report, and all collection efforts stopped.
Product: Credit card or prepaid card

Merchant name : XXXX XXXX  # XXXX Claim amount : {$550.00} Transaction Date : XX/XX/XXXX To Whom It May Concern : Upon viewing my year-end card summary send by my credit card account I noted an unauthorized charge appearing to have occurred in XX/XX/XXXX. In speaking with my credit card/banking company, the claim was quickly closed as it was outside the dispute window of 60 days. However, I am pushing to contest for further investigation.

In my research of the Merchant I contacted XXXX XXXX XXXX to ask about the # XXXX site the number denotes site/store codes. The XXXX XXXX # XXXX site was only to be the location code of the XXXX WA XXXX XXXX XXXX  ( Address : XXXX XXXX XXXX XXXX XXXX, WA XXXX - Phone : ( XXXX ) XXXX ).

I spoke with a representative from the site, who explained that monetary transactions from the site do not occur unless it is a matter of internal employee billing. Additionally, 1 ) I have never been an employee or employee of an XXXX XXXX  subsidiary company 2 ) I have not purchased an item from XXXX XXXX or a subsidiary company since XX/XX/XXXXand said purchase was a printer ink cartridge.

Moreover, in investigating this Merchant I found a number of similar claims online : The credit card or debit card charge XXXX XXXX # XXXX XXXX WA was first spotted on XX/XX/XXXX. This charge has been reported as trusted by 31 users, 31 users marked the credit card charge as suspicious. ( XXXX XXXX XXXX ) Looked at my VISA acct & reported suspicious charge from XXXX XXXX  # XXXX. If you look at XXXX XXXX  website there is no such store. Closed my visa acct. XX/XX/XXXX ( XXXX XXXX XXXX  ) The amount of {$250.00} was charged to my credit card twice on XX/XX/XXXX, a total of {$500.00}. I live in Alabama, and I did not make any purchases in XXXX, Washington. ( XXXX XXXX XXXX  ) This was undoubtedly an unauthorized and fraudulent charge on my account. Therefore, I am reaching out once more for a higher level of examination and support in resolving this case. Thank you for your time and consideration.

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

SITUATION On XXXX XXXX, 2017 in response to the XXXX breach, I went online to the TransUnion website to initiate a security freeze on my account. I had to submit confidential information including my social security number, credit card information, and pay {$10.00} for the request. 

COMPLICATION After providing all the information requested including my {$10.00} fee, I was notified online at the end of the transaction that it did not go through, that the information I provided was not correct. 

HOWEVER, when I contacted my bank they said that TransUnion immediately deducted the {$10.00} from my account. I received no indication by email that the transaction went through, in fact I was told it failed. 

I tried calling customer service and several other XXXX numbers listed by TransUnion only to discover that the phone numbers were not in service, even though a voice comes on saying Welcome to TransUnion. Then it goes into this mode : The number you have reached is not a working number.. Bottom, line : after 3 days of trying to contact TransUnion by phone, I have given up and filed this complaint.