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

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an issue I have encountered with PNC Bank. Recently, I opened a checking account at their branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. To fund this newly established account, I deposited a check issued from a business that I own. The check cleared XXXX days later, confirming the funds were valid. 

Shortly after, I visited another PNC branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, to request a cashiers check withdrawal. I was assisted by a bank teller whose name was Precious. Upon attempting this transaction, I was informed that my account had been flagged for fraudulent activity, and the funds from the cleared check were placed on hold. This action was highly unusual and unexpected. 

After contacting PNCs fraud department, the hold on my account was eventually released the following day. It was confirmed during their investigation that I am indeed the owner of the business that issued the check in my name. Despite this resolution, when I returned to the branch at XXXX XXXX XXXX XXXX to withdraw funds on XX/XX/XXXX, I experienced significant difficulty from an assisting bank teller by the name of XXXX. After approximately XXXX minutes of deliberation with branch staff, a cashiers check was finally issued to me. 

However, the following day, I discovered that my account had been suspended, and all access to my funds was restricted. I was directed to another fraud department, where I was informed that my account had been indefinitely restricted. No timeline or additional information was provided regarding the resolution of this matter. 

This series of events has caused me considerable inconvenience and concern. Despite my compliance and the verification of my accounts legitimacy, PNC Bank has failed to provide clear communication or a satisfactory resolution. I am now left without access to my funds, which is unacceptable. 

I respectfully request the Consumer Financial Protection Bureau to investigate this matter and ensure that PNC Bank addresses these issues promptly. I seek a resolution that includes the immediate reinstatement of my account access and a review of their procedures to prevent such occurrences in the future. 

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

I have a collection on my report from XXXX XXXX with TransUnion. I sent TransUnion a certified letter asking them to remove this collection. I also attached a letter from XXXX XXXX stating they will be requesting the credit bureau to remove this collection from my credit report. As of this writing, TransUnion still has not removed this collection. I have attached the letters for your review.
Product: Mortgage

I have been trying to work with my mortgage company, Mr Cooper, to get Mortgage insurance removed from my loan. I called the company on XX/XX/XXXX to inquire what was needed in order to have MI removed from my loan. I made a $ XXXX payment and again called on XX/XX/XXXX to request MI be removed. I was told I'd receive a follow up call within a week. I placed follow up call to Mr Cooper on XX/XX/XXXX and subsequently was told I'd receive a follow up call on XXXX. XXXX came and went with no follow up call ; I submitted a message on XX/XX/XXXX through their secure messaging portal again requesting removal of MI. As of XX/XX/XXXX I have yet to hear any response from Mr Cooper.

I find the lack of response from Mr Cooper to be both unprofessional and unacceptable. requesting the help of the CFPB to resolve this matter. 

Thank you. 
XXXX XXXX XXXX
Product: Prepaid card

I received a prepaid card in the mail from netSpend, ready to activate. This is not ok- it 's dangerous to send a ready-to-activate card that anyone could intercept. Additionally, this card incurs all sorts of fees for any type of service you use if for, so it 's very misleading and like a trap.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX ( XXXX XXXX {$850.00} accounXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> were inquiry not authorized. Please remove for they have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Identity Theft Dispute Violation of FCRA 1681c-2 & 1681s-2 This is a formal complaint against Equifax for failing to remove fraudulent accounts and inquiries from my credit report. I have already submitted the necessary FTC Identity Theft Report, yet these fraudulent items remain.

Legal Violations & Request for Immediate Deletion 1. Failure to Block Fraudulent Accounts ( FCRA 1681c-2 ) Equifax is obligated to block fraudulent accounts within 4 business days upon receipt of an Identity Theft Report. The following accounts have not been removed.

2. Failure to Conduct a Proper Investigation ( FCRA 1681s-2 ) Equifax has XXXX responsibility to thoroughly investigate identity theft claims. The continued presence of fraudulent accounts and inquiries suggests non-compliance with FCRA regulations. 

Fraudulent Accounts on Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Inquiries on Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Back in XX/XX/XXXX I called XXXX inquiring about a phone I was told our old it to XXXX call XXXX and stated to them that I never received the last bill and that I still have equipment and if they sent me the proper shipment information I will return the item I spoke to a representative he gave me a confirmation number and stated that information would be deleted do to not notify me of last bill and not sending you boxes to pick up the equipment. I called again just to verify the confirmation number XXXX representative stated they werent aware what the number was I requested that a supervisor called me and I never received a phone call. After two months of XXXX I called in again stated to them that I never received a call from the supervisor is I still have the equipment and what do I need to do with it the amount that they are requesting was {$700.00} I did not owe that amount because they failed to get their product I stated to them that I would more than be more than happy to pay the last bill and that I cancel the services and they never updated their system.This whole process is in attempt to Hendering my credit due to in accuracy and failure to Process this matter accurately Ive called several times and have yet to hear from a supervisor and was told that the account was deleted and now I have a letter from a collection agency inquiring to collect the debt that is not owed
Product: Mortgage

Recently, I filed a complaint against Carrington mortgage company concerning the same issue. But now this issue has taken on a new face. In the past, I have seen multiple recordings of a so-called XXXX XXXX that had been calling me about 15 times a month, reminding me to pay my mortgage by their XXXX of the month. There are 30 days in the month and my mortgage is not late but as I have told you before they have been charging me late fees like my loan is a payday loan harassing like my loan was in default and treating it like a payday loan. This past month it was a glitch with my employer and sent in my paycheck through, which caused a payment to be rejected, but I have sent them payment which they should have received because I have the certified letter if not, they should have it in their office for XXXX and XXXX of this year. My complaint is I have received six certified letters saying the same thing. And I signed for three of them at the post office just the other day I opened them up at the post office cause I wanted somebody else to see just what I was getting. I can not post this letter online because it contains my account information and some personal information but nobody should get 11 letters every month in the post office and at my physical address saying the same thing. I know what has happened in my life. Im very conscious and cognizant of what is going on, and they need to stop the harassment process. No reputable financial institution like XXXX XXXX or which are the big banks continually sent out letters and six of them certified saying the same thing. Its a waste of time. Its a waste of resources. One letter would have sufficed. I have also notified the FHA of what has been going on and I have taken a picture of the check that I have sent them that they should have in their possession of {$3000.00} which has to be applied to my account and not set aside in their special account, which they have done in the past, which is not legal because they told me they have to accept and apply all payments to my account. Im quite sure if they had sent all these letters to me that they are harassing other people in the same way instead of the phone calls they just sent out multiple mailing stating the same thing. I plan to meet my obligation and you can not help computer glitches that occur within another company. I did not call them because I knew this so-called XXXX XXXX that had been calling had never been reached, but I do have savings of her recording with the constant harassment. Carrington LLC should be ashamed of their harassment tactics that they use against their customers. Im not trying to be neglectful, but to be diligent to do what I need to do and I want this information published because I want other people affiliated with this business to be aware of the tactics, they used to harass their customers. I pride myself and being able to overcome a big obstacle, and with the grace of God, I never plan to go back that route again. I have also notified other offices within my state, and the FHA of their continued harassing tactics.
Product: Credit reporting or other personal consumer reports

Date Submitted : XX/XX/XXXX The incorrect account with XXXXXXXX XXXX XXXX XXXXthat starts with XXXX has not been changed and will remain on your credit report. {$4100.00}. NOT MY ACCOUNT Date Generated XX/XX/XXXX XXXX XXXX XXXX {$1600.00} written off. This item was updated from our processing of your dispute in XX/XX/XXXX. 
XXXX XXXX XXXX {$2200.00} written off. This item was updated from our processing of your dispute in XX/XX/XXXX. NOT MY ACCOUNTS Submitted XX/XX/XXXX. Completed XX/XX/XXXX. NOT MY ACCOUNT Date Opened XX/XX/XXXX {$21000.00} NOT MY ACCOUNT Date Opened XX/XX/XXXX {$3900.00} NOT MY ACCOUNT Date opened XX/XX/XXXX Balance {$4100.00} NOT MY ACCOUNT Date opened XX/XX/XXXX Balance {$3900.00} NOT MY ACCOUNT Date opened XX/XX/XXXX Balance {$1100.00} PAYMENT NEVER LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian need to remove the collection account for XXXX XXXX XXXX. 

I have submitted a dispute on my credit file because this debt is not valid. The original creditor can not provide the fully executed contract and refuses to provide proof that they cancelled the account was cancelled by the business. 

This is a dispute that would need to be settled by the fact-finding process of the civil court system. It is not fair for the creditor and the credit bureaus to hold my credit report hostage without sufficient evidence of this debt. The creditor did not allow me the process to dispute the debt by providing full documentation. 

Since the creditor is unable to provide a fully executed and valid contract, the file should be removed from my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT # XXXX SHOULD NOT BE ON MY CREDIT REPORT. THE FDCPA SECTION 807 ( 14 ) STATES THAT XXXX XXXXXXXX XXXX CAN NOT USE XXXX XXXX COMPANY NAME TO COLLECT A DEBT ALSO THE PAYMENT HISTORY ON THIS ACCOUNT IS ANOTHER VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time sending a request regarding this issue. I have paid XXXX XXXX XXXX XXXX directly. XXXX cant collect on an account that I have paid with the original creditor directly. See the attached copy of the receipt as account being paid to XXXX the original creditor.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

I traveled to XXXX on XX/XX/2021. Communications in my family village are difficult ; I had no internet connection and unstable phone connection. 

On XX/XX/2021, SunTrust sent a fraud alert to my email, but I could not access my email in XXXX. My daughter was monitoring my email account in the United States and informed me via XXXX of the alert. I called my XXXX teacher, who has helped me in many ways over the past seven years, including setting up my email account, and asked her to respond to SunTrust. I authorized her to access my email account and respond for me to inform SunTrust that this was fraudulent activity. She replied to the alert notification on XX/XX/2021 ( copy attached ). 

Despite that timely response, SunTrust continued to allow these fraudulent withdrawals, sometimes 10 in a single day. A cycle of this began, and notwithstanding our continued emails to SunTrust, we could not put an end to these transactions. In spite of my best efforts and those of my friends and family in the United States, before SunTrust froze my debit card, a total of {$5700.00} had been fraudulently withdrawn from my account by an entity identified on my bank statement as XXXX XXXX. I also incurred over {$100.00} in overdraft fees, because the withdrawals continued to occur even after my account had been drained to {$0.00}. I have highlighted the fraudulent withdrawals on the attached bank statement copy. 

Because of the severity of this situation and my inability to get it resolved, I returned as soon as I possibly could from XXXX. I visited the SunTrust branch in XXXX, XXXX, along with my XXXX teacher and initiated a claim. Upon the suggestion of the SunTrust banker I met with ( XXXX XXXX ), I filed a police report ( copy attached ) on XX/XX/2021. 

Even after my continuous efforts to resolve this issue, SunTrust has denied my claims of fraud, and they refuse to refund the fraudulent withdrawals.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding a fraudulent collection account that has been reported on my credit file. The details of the fraudulent account are as follows : Collection Agency : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Original Creditor : XXXX Account Number : XXXX Balance : {$3000.00} Date Opened : XX/XX/year> I do not recognize this account, nor do I have any contractual agreement with either XXXX XXXX XXXX or XXXX. I have been a victim of identity theft, and this collection account was fraudulently opened in my name without my authorization. 

I am providing the following supporting documentation to substantiate my claim and request the immediate removal of this account from my TransUnion credit report : Affidavit of Fraud ( Attached ) FTC Identity Theft Report ( Attached ) Copy of my Government-Issued ID ( for identity verification ) Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Code XXXX, I formally request that TransUnion block and remove this fraudulent collection account from my credit report. As required by law, credit bureaus must remove fraudulent information within XXXX business days upon receipt of proper documentation. 

Please investigate this matter promptly and provide me with an update regarding the status of this dispute. I request written confirmation once this account has been removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department , I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$740.00} from XXXXXXXX XXXX XXXXXXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX, your account with XXXXXXXX XXXX XXXX  XXXX. has been approved for 20 % off! 
View Account Details How this will effect my credit report? 
Choose your option below : Pay {$540.00} in up to XXXX payments 20 % off, that's a savings of {$130.00}! 
Most Popular One time payment of {$670.00} On total balance of {$670.00} Pay {$670.00} in up to XXXX payments XXXX XXXX XXXX XXXX XXXX XXXX company name Research shows they dont have authorization to collection a debt in Mississippi Also I would like this information. Cleared from my report
Product: Credit reporting or other personal consumer reports

1 XXXX XXXX XXXX ceases any further unauthorized access to my credit report. 2 XXXX XXXX XXXX  compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, I am not sure what's going on but you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Product: Debt collection

Received garnishment in mail for a medical bill from 8 years ago. I am so confused because first it's a garnishment filed in XXXX  state from a judgement from 8 years ago. I live in XXXX and have for 7 years. Second I don't recall ever receiving anything in mail either at all or not for a long long time since I've been in XXXX  from XXXX stating you had the medical bill which I thought was required. If it was sent years ago then I'm not going to remember that and new letter should of been sent to my address in XXXX. I have received 2 letters this year recently from a different collection place called collection bureau of walla walla stating they had the account. How can two collection places have the same debt? I don't understand that and why wait so many years before filing this? I didn't even remember about the medical bill until receiving the collection from other company. I do not want a garnishment against me, it's embarrassing for employer to see and if the max % that's allowed is taken out, I won't be able to afford all my rent and bills anymore and will end up in even more debt. I can not afford and it was for medical procedure I had to have done and insurance barely covered. I was going to set something up with the collection place that sent me the letter to either lower amount or make payments here soon but then this showed up from a different collection company... .very confusing. I would rather make payment arrangements or do anything else other than a garnishment. I'm so upset especially since it was medical issue I didn't have control of.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 hard inquiries on my credit report that I didnt authorize and would like them to be removed immediately. 1. XXXX Card, on XXXX of XX/XX/XXXX, I was shopping on XXXX using my XXXX card and then came a pop up as I was going to pay telling me that I can agent an XXXX XXXX XXXX card and get huge savings and I will be able to pay overtime, so I clicked on it then decided not to use XXXX XXXX XXXX card only to see a hard pull on my credit report from XXXX XXXX XXXX, I didnt approve of this and would like it to be removed immediately. 2. XXXX, I was shopping on XXXX when XXXX offered my to used them and pay over 6 months without any interest, so I filled out the questions they asked me not having a clue that XXXX XXXX was going to do a hard pull. I was thinking that it was going to be done directly with XXXX, there was nothing there that says XXXX XXXX. This inquiry must be removed. 3XXXX XXXX XXXX XXXX XXXX never went to XXXX XXXX XXXX to apply for anything on the XXXX of XX/XX/XXXX, so I didnt authorized this hard inquiry. Please remove it. 4. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, I didnt authorized this hard inquiry. Please remove it.
Product: Credit reporting or other personal consumer reports

I have not liable for the debt with CAPITAL ONE BANK USA and XXXX XXXX - XXXX I do not have a contract with XXXX XXXX XXXX XXXX  or CAPITAL ONE BANK USA and i was not provided with the original contract as requested