23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

PNC Bank XXXX XXXX XXXX XXXX, PA XXXX denies receiving my XXXX payment for the car loan I have with them. The payment was due on XX/XX/XXXX and funds in the amount of {$540.00} were sent electronically from my account with Local Government XXXX XXXX XXXX 's online bill pay on XX/XX/XXXX7. This same method of payment has been successful to this same PNC loan 25 months/payments before. Proof of payment has been provided to PNC numerous times yet I'm still receiving collection calls and texts. The Credit Union I bank with has launched an investigation. They informed me other Credit Union members are experiencing the same issue with PNC Bank claiming their payments were not received by PNC.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$55.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$640.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$620.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account
Product: Checking or savings account

On XX/XX/2022 I deposited a mobile check with Bank of the west it cleared on XX/XX/XXXX. My account was closed on XX/XX/XXXX by Bank of the west and my deposit was kept and nit returned. I have tried calling the check issuer unfortunately Bank of the west has not been able to find this transaction in there system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey My Name Is XXXX XXXX and Im just trying to figure out whats the best thing to do. Ive been in XXXX  XXXX for the pass 7 years with no way to access my social security card nor the number. Last year I tried to apply to College and I had to complete the FAFSA application in order to meet the requirements for other loans that XXXX XXXX had to offer. I couldnt even get pass my account to work because Financial aid thought something was going on. I talk to a lady at XXXX XXXX and all they want to do is for you pay. I dont think its fair for me to pay for something I didnt put on my credit.
Product: Debt collection

I received a threatening message about legal action from a supposed attorney for a debt that I do not owe. I have never received any kind of Payday Loan, and the language in the email is questionable. This appears to be a lazy attempt at intimidation and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't even know how to start because I'm trying to get this resolved since XXXX. Bank of America inaccurately reported a 30-day delinquency in this credit card account ( closed now ) back in XXXX. I had no idea about this information until I got my XXXX credit reports and right after I requested to open an investigation. I spoke probably to more than 50 supervisors ( I'm not kidding ) and I lost count of how many regular people from customer service who had no clue what they we talking about. Usually I spent an average of 1.5hrs every time I called Bank of America . 95 % of the supervisors could tell that this investigation was already closed/resolved back in XX/XX/XXXX HOWEVER, for some reason BOA has never done or submitted any requesting to adjust the wrong information. 
I have never been so XXXX  in my life. For years my credit score has been hurt, not even my mistake but others who don't care at all. BAO for a while blamed the credit report agencies for not updated the adjustment, that according to them was sent a lot of time before. I spoke to ALL the agencies a lot of times ( phone and letters ) and they never received ANYTHING from BOA. BOA lied to me every single call, ALL supervisors promised at the end of the calls that this is now resolved, they promised to give me a call back, they promised to expedite and resolve this inquiry. Honestly they don't care at all and they don't do anything. The last time I spoke to this supervisor, she promised that this case will be fix in 3 business days and she also promised a call back to follow up. ALL XXXX. At this point I really hope that this complain can help me. 
I don't know what else I can do and I need help. I have never missed one payment on ALL my accounts this is totally a XXXX. I'm tired of being XXXX
Product: Mortgage

This complaint is intended to address the irresponsible and irregular management of my mortgage escrow account by Nationstar Mortgage ( Mr. Cooper ). Find below the sequence of events : 1. On XX/XX/XXXX,  Nationstar Mortgage issued a payment to XXXX XXXX and XXXX XXXX to cover the premium for HO-6 Policy # XXXX. The payment was made via a bulk check for the amount of {$1100.00}. 
2. On XX/XX/XXXX, I informed Nationstar Mortgage that I was unaware of the existence of subject policy. Therefore, the policy was to be considered fraudulent, as it was issued without my consent/approval. The mortgage servicer indicated, that they have no control over the issuance of the policy, and they just paid because my escrow account was set to cover HO-6 insurance coverage. Nationstar Mortgage never contacted me to verify the validity of the policy. They just paid and offered me to have patience. 
3. On XX/XX/XXXX at my request policy XXXX was cancelled and Nationstar Mortgage notified. 
4. On subsequent multiple conversations with Nationstar Mortgage customer service I was threatened by the company to purchase another policy. Otherwise, they would buy a very expensive policy with limited coverage, so it was in my best interest to provide evidence of coverage. 
5. On a follow up conversation, I informed Nationstar Mortgage that I was already covered by XXXX XXXX XXXX under Policy XXXX. I also notified then that I had established a payment plan with XXXX XXXX XXXX, and I didn't authorize them to use my escrow account to pay this policy. This was stressed in multiple occasions when the Insurance department was contacted to report the irregular activities 6. On XX/XX/XXXX, despite the multiple communications and conversations held with the Insurance department, Nationstar issued a payment to XXXX XXXX XXXX.The payment was made via a bulk check for the amount of {$1100.00}. 
7. On XX/XX/XXXX, I contacted Nationstar to express my disappointment, and they offered me to have patience. 
8. As a result of these irregular, irresponsible and unauthorized payments, my escrow account is in deficit. As of XX/XX/XXXX, the balance in y escrow account is : - {$1800.00}. 

What kind of company manages customer 's mortgage escrow accounts as above described? 

How can a Mortgage company pay to two different insurance companies within two weeks ( XX/XX/XXXX and XX/XX/XXXX ) for the same property without contacting their customer and without taking in consideration all the conversations that had been held regarding the subject?
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX uses a company called Comenity to run their store cards. Comenity 's online payment portal has been down since XX/XX/2021. It does appear to be working as of XX/XX/2021. When you call to make a payment Comenity charges a fee for doing so. They have refused to waive late fees even though their website has not been functioning for months. Not all of us want to pay to make a payment by phone, or wait at a store or on the phone to process the payment. Their {$35.00} dollar late fee is excessive given that they have a broken payment system.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Student loan

Dear CFPB, I am writing with regards to a " Late fee '' of {$6.00} that I am being charged for the repayment of a Student Loan during XXXX 

This is in regards to a University Loan provided by the XXXX XXXX XXXX XXXX during my XXXX studies. 

I was enrolled as a XXXX XXXX student at the XXXX XXXX XXXX XXXX XXXX XXXX through XX/XX/XXXX. In XX/XX/XXXX, President Trump issued an administrative forbearance on all student loans that has been in effect until XX/XX/XXXX. 

Heartland ECSI, my student loan provider, has billed me for a {$6.00} late fee re-payment on this loan. When I spoke to them on the phone on XXXX XXXX XXXX they indicated that I was supposed to have made a payment in XX/XX/XXXX, and that I am now considered past-due. Of note, the billing history shows that a {$90.00} payment was requested in XXXX XXXX XXXX XXXX, during the pandemic ; but that {$0.00} payments are requested thereafter. 

Could you please work with the loan provider to address : 1 ) the late-fee ; 2 ) the status as past-due? I am not sure of what implications 'past due ' may have had on my credit score, credit history. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX : {$42.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon conducting a personal credit reporting review, I noticed that a company named EQUIFAX MORTGAGE SERVICES conducted hard credit inquiry on my behalf without permissible purpose, consent from the consumer, and presented a legitimate business needs for the credit check. 

This was conducted without unauthorized access which makes the consumer ( myself ) susceptible to identity theft and data breaches. This are negligent actions by the company without properly conducting consent approval and proper notification per the Fair Credit Reporting Act. 

No consumer notification was submitted and this negligent act resulted in the personal credit damage.

EQUIFAX MORTGAGE SERVICES conducted unauthorized credit check for the following date : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX
Product: Debt collection

XXXX XXXX Operations Manager stated their client has investigated this account and confirmed that they received several forms of identification in the store prior to making the loan. Okay! XXXX XXXX stated a Enclosed is a copy of the contract from XXXX XXXX XXXX XXXX as well as the loan history. I didn't see anything uploaded on the CFBP website of these documents. If these documents are in fact in this collection agency possession I asked for proof of debt validation and still no documents. This Erroneous reporting of this inaccurate account doesn't even have an account number to justify it's accuracy. To give you my ID is a stall tactic to say yes this is your account. Clark County Collection Services isn't licensed to collect this debt nor do I have a contract with this business. This debt was purchased by Clark County Collection Services I already submitted my complaint with the FTC and if Clark County Collection Services continues to insist to report fraudulent information by Furthermore pursuant 15 USC 1692 ( e ) ( 3 ) False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 
With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 
Your Options are as follows : Delete this account and cease and desist with all collection activities ; By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15 USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. 
FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations You parked this debt on my credit report without giving any notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern I was looking at my Experian app one day and noticed some inquiries that I never authorized nor did I give anyone the the authorization to open these account in my name. I first call the companies that I seen on my credit report and ask them who tried to apply for these account in my name? and did they open these accounts? they told me that they will send me something in the mail I then reach out to the credit bureau over 60 days ago and still have not heard anything back from any of them I reach out to Experian, XXXX and XXXX on XX/XX/XXXX and then on XX/XX/XXXX I sent another letter ask them to please respond and still nothing and before the letters I sent on XX/XX/XXXX I tried XXXX attempts before that.at this point I feel like I am being ignored and look pass I really would like to know what's going on here. and I would like these unauthorized inquiries removed from my credit report. the inquiries are as follow EXPERIANXXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX. XXXX XXXX - XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

THIS COLLECTOR KEEPS CALL ME SKIP TRACING FOR XXXX XXXX, OR XXXX XXXX.
Product: Debt collection

Credit Collection Services XXXX XXXX XXXX XXXX, MA, XXXX Re : Request for Debt Validation XXXX Dear Sir/Madam, I am writing to request validation of the debt that you are attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you provide me with verification of the debt and evidence that you have the legal right to collect on it. 
Please provide me with the following information : XXXX. The full name and address of the original creditor associated with the debt. 
XXXX. The amount of the debt, including a breakdown of any interest, fees, or other charges. 
XXXX. Documentation or a copy of the original signed agreement or contract that created this debt, including any amendments or updates. 
XXXX. Proof of your authorization to collect this debt, including any assignment or transfer of the debt to your company. 
XXXX. A detailed payment history, showing any payments or adjustments made to the debt. 
Please consider this letter as a formal request to validate the debt. As required by law, until you provide the requested validation, you must cease all collection efforts on this account, including reporting to credit bureaus. 
I would appreciate a prompt response to this request. If you fail to provide the required documentation, I will consider the debt in dispute, and I expect all collection activities to cease. 
Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

I was alarmed to find incorrect accounts on my credit report this morning, and I have no explanation for how they appeared. I routinely check my report, but this time, I came across unexpected inconsistencies. I even tried refreshing my browser, hoping it was just a display error, but the accounts did not disappear. Because of this, I request a thorough review of the documents I submitted so that I can finally put this concern behind me.