23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

The take the amount out of my available balance. Once my account is refunded they change the dates but not the amount available. They change dates to justify the amount available. They available balance and deposits are not dated correctly. I feel like another of the amounts credited to my account get lost. They do not reflect correctly on my amount available. They try to say it's a a hold but they don't take it out of my account. But yet they do take it out of my available balance and never credited back to reflect to refunds. They change the dates and they do not correspond correctly. I've made several attempts to contact and correct it. But they say it's policy.
Product: Money transfer, virtual currency, or money service

Letter submitted to Chief Judge XXXX XXXX of US Bankruptcy Court for the XXXX XXXX XXXX New York : I am writing to you as a creditor in the bankruptcy case of XXXX XXXX, which is well-known to have declared bankruptcy in the summer of XXXX. Like many others, I was impacted by this unfortunate event and have been awaiting the distribution of the bankruptcy settlement, which is being administered by XXXX. 
On XX/XX/XXXX, I received communications from XXXX, outlining the procedure to claim my distribution through PayPal. These communications included separate claim codes for Bitcoin ( BTC ) and Ethereum ( ETH ) holdings. However, my attempts to redeem these claims have been fraught with systemic issues, leading to an inability to access the funds rightfully owed to me.

Initially, a technical glitch in PayPals form prevented me from entering my date of birth in the required format, thus stalling my claim redemption process. After a delay of several weeks, hoping that this technical issue would be resolved, I encountered further obstacles. Despite successfully entering my details, PayPals system was unable to verify my identity, repeatedly failing to progress past the verification stage.

Subsequent interactions with PayPal customer service yielded no resolution, and their advice to contact XXXX led to an equally frustrating dead end. Despite multiple attempts to reach out to XXXX via phone, email, and their customer service form, I have received no substantive response, only automated replies indicating a high volume of inquiries. 
My persistent efforts to redeem the claim codes through PayPal continue to be met with the message : " We are unable to redeem that code. Contact XXXX for more information. '' This has left me in a distressing limbo, unable to access the settlement funds, which represent a fraction of my original investment following the significant losses incurred due to the collapse of XXXX. 
This situation not only exacerbates the financial distress experienced by many creditors but also raises concerns about the efficiency and reliability of the mechanisms established for the distribution of the settlement. It is disheartening to witness continuous hurdles in accessing what is owed to us, especially after enduring the substantial financial and emotional toll precipitated by the collapse of XXXX. 
I respectfully urge the court to intervene and mandate immediate corrective action from both PayPal and XXXX. It is imperative that they address these systemic issues promptly and ensure that all affected XXXX bankruptcy claimants receive their entitled distributions without further delay or hindrance. 
Your attention to this matter is not only crucial for the timely resolution of my individual case but also signifies a broader commitment to upholding the rights and interests of all affected creditors in this bankruptcy proceeding. 
Thank you for your time and consideration.
Product: Debt collection

I was billed by XXXX XXXX XXXX in XXXX New York for a total of {$82.00} for services dated XX/XX/2019 ( pathology related ) that I never received. I called the hospital multiple times for either proof of service ( medical record/lab results ) or dismissal of the charges. But the hospital did neither and eventually reported this fraudulent charge as debt to EOS CCA. When EOS CCA sent me a letter requesting payment earlier this year for the first time, I send EOS CCA a letter to explain the issue and told them it is not a legitimate debt. I also suggested EOS CCA to investigate the charge and notified EOS CCA my change of address in the same letter. However, EOS CCA is now sending me the bill to my new address without explaining to me whether they conducted any investigation into the legitimacy of the charge or the results of any such investigation.
Product: Debt collection

Portfolio Recovery Associates LLC XX/XX/ sent mail for XXXX XXXX to payment XXXX in Texas. A state they are not licensed to collect.
Product: Mortgage

After months of collecting the necessary documentation for a forbearance/hardship application ( started XXXXXXXX XXXX XXXX- finally accepted XX/XX/year> ) following my house burning down and declared a total loss in XX/XX/year>, I have not received proper notification or explanation as to why my application was denied or what steps to take next. I have tried calling Loss Mitigation, emailing them, secure messaging, and faxing, to no avail. They have lost documents that I have emailed/faxed/messaged/uploaded, thus delaying a complete Loss Mitigation package. Freedom Mortgage has exhibited extremely poor communication thoroughout the Foreclosure/Loss Mitigation process, failing to properly notify of important deadlines/requirements/steps etc from the beginning of the process back in XX/XX/year>. When my house burned down in XX/XX/year>, I immediately called my mortgage for help. They failed to acknowledge the tragedy nor provided options for relief or help. I have been trying tirelessly to navigate the process by myself which has been exceedingly difficult. No one could effectively explain my rights or responsibilities as a homeowner in distress. Every time I called the Loss Mitigation department at Freedom Mortgage, I spoke with a different agent who had to be apprised of the sitation and each offered conflicting perspectives or advice. There has been a lack of continuity and clear communication from the start.
Product: Vehicle loan or lease

Kia has changed the amount of the lease in progress. Cost of the lease has increase for the contract cost of {$460.00} to {$480.00}.
Product: Credit reporting or other personal consumer reports

CFPB has recently filled a lawsuit against Experian, alleging systemic issues such as failing to furnish, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence, I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inactions violates federal laws and my rights as a consumer.
Product: Debt collection

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX representing TD Auto Finance LLC stating that I the consumer owed a debt of {$51000.00} violating Truth In Lending Act, Fair Debt Collection Practices Act and Fair Credit Reporting Act among others. On XX/XX/XXXX I pulled my consumer report and saw that they have the alleged debt reporting to the credit reporting agencies starting on XX/XX/XXXX falsely stating that I have a debt violating TILA, FDCPA, FCRA and it is defamation and is impeding on my ability to utilize my open consumer credit line. 

On XX/XX/XXXX I responded via certified mail with a Cease & Desist, Affidavit of Truth with Exhibits and a Bill of Particulars to settle these violations and to grant relief. 

I have attached all evidence and supporting documentation to settle this matter immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The alleged debt has been sold without my permission and without the production of a new contract. You willfully sold this alleged debt and I have no contract with the debt collector you sold the account too- this is fraudulent activity. 
18 USC 1028 ( a ) ( 2 ) states Whoever, in a circumstance described in subsection ( c ) of this sectionknowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority shall be punished as provided in subsection ( b ) of this section. The punishment for this offense could be a fine or imprisonment according to 18 USC 1028 ( b ) ( 1 ).

There is no way anyone should have my social security number or any identifiable information. You DID NOT have my permission. This is IDENTITY THEFT & against federal law.
Product: Checking or savings account

On XX/XX/2022 a check that I wrote to my HOA for {$25.00} was altered by the management company or some else, ( I say that because nobody at the management company will speak to me ) and it was changed to {$9000.00}. Once I saw that I immediately contacted PNC Bank and went to the branch where I signed the Fraud Affidavit and was told to stand by, they will be in touch. Not one time has PNC Bank reached out to me with resolution. I have been calling them regularly and all they keep saying is they are investigating and they have 120 days to reply. What makes this even worse is approximately XXXX weeks after the Fraud an investigator from XXXX  XXXX XXXX called me and said the check was deposited there and they flagged it as they knew it was Fraud and they never released the funds to that persons account. As recently as yesterday, XX/XX/2022 I spoke to the branch manager at PNC and no status change. Not XXXX person has stated that I am covered and I will get my money back. I need help bad!! I did nothing wrong and PNC Bank and XXXX  XXXX XXXX are punishing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Discover credit card was fraudulently opened with my name and address but not with my accurate phone number. My credit score did not meet the requirements to open a card but when I disputed the account and agreed to payment options to remove the charged off account from my credit report. Discover credit card informed me that there is nothing I can do to remove the the charge off account although the account is not mine and is a result of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting information incorrectly and I would like to have this account deleted immediately from all three bureaus. on Equifax and XXXX  it shows dated opened XX/XX/2018 and on XXXX  it shows an open date of XX/XX/2018. The high credit on XXXX  and XXXX  is XXXX and on Equifax XXXX. The credit limit on XXXX  and XXXX  is also showing XXXX and XXXX on Equifax. If all of this information is pulled from the same source why is it incorrect. Please delete this account asap.
Product: Debt collection

Credit Corp Solution in XXXX Utah called and verified my information and when I told them I would not pay for this debt as I can not afford it and the trucking company that was supposed to pay it screwed me over they told me that they would be sending this debt to their pre legal team I assume in hopes to get me to set up a payment arrangement. I disconnected the call looks up the laws regarding the threat of the pre legal team and contacted an attorney and was advised that was threating legal action. I can not afford to pay this debt as I am going thru a divorce and already have a child support garnishment on my pay check. This is not the added stress that I need from a debt collection company to try to get me to pay for something that I got screwed over on. One day if I have the money Id be more than happy to pay it but dont need to be threaded to make it happen.
Product: Credit reporting

I have contacted Equifax on several occasions to inform them that several accounts does n't belong to me thatsreporting on my credit report and to remove these accounts and all negative remarks from my Equifax credit report, but they have refused to do so. I disputed these items via online and mail with Equifax and they refused to remove several accounts from my credit report.
Product: Mortgage

We submitted an appeal to PNC indicating that the denial of XXXX loan modificaion under the Making Home Affordable program did not make any sense. We specifically appealed the denial by showing that an affordable payment could be created based on the NPV inputs provided by PNC. However, PNC denied XXXX appeal without any explanation in regard to our appeal. We spoke with one PNC representative on the phone who indicated that the denial was based on the investor 's refusal to provide term extensions. However, we located the investor restrictions through the securities and exchange commission and sent PNC proof that the investor did allow term extensions. We raised the issue about term extensions in our appeal. PNC did not respond to the part of our appeal regarding the investors allowance of term extensions. We request that PNC either grant XXXX XXXX a modification under the Making Home Affordable Program or provide us a detailed explanation regarding why it can not and address the concerns raised in our appeal.
Product: Mortgage

In XXXX of 2015 we submitted a request for short sale to US Bank for retired clients that could not afford to continue living in a property in XXXX, VA. Since then we have received numerous calls for documentation which has caused us to have to submit documents over and over while US Bank sat on the file. In XXXX I received a call from the mortgage single point of contact stating the documents are all in and the file will go to the negotiator so we can get a decision on the application. Just last week the home sellers received a letter stating that US Bank needs all new documents since the current ones on fie have expired. This is ridiculous since the employees at US Bank explained that they are having implementing the process for handling distressed properties. It seems this process will continue in perpetuity. We need assistance getting this file to completion
Product: Credit card or prepaid card

I received a letter from US Bank Relicard Cardholder Services in XX/XX/XXXX stating that they had conducted a review of my account and they needed additional information to verify my identity and if I didn't provide the information my card would be closed and the remaining balance would be returned to the appropriate agency, assuming this was the XXXX  XXXX XXXX. At the time I had received unemployment benefits and lost my card and did not access all of my benefits. I called US Bank upon receiving the letter and provided the necessary information needed. I was told that there was a $ XXXX balance and I would be receiving a new card in 7-10 business days. I never received that card after weeks of waiting. I called then again in XX/XX/XXXX and was told I would receive a card. After waiting for several more weeks without receiving a card, I called then again in XX/XX/XXXX. I was told I would receive a card in 7-10 business days. Throughout this whole process, I received one card ( XX/XX/XXXX ) days after my last call, which I thought was strange because I had just spoken with someone only days before that, but when I activated the card, to my dismay, I learned that there was a XXXX balance on the card. So, I called US Bank again on XX/XX/XXXX, to inquire about the XXXX balance to only be told I need to call the unemployment agency in my state to inquire about the funds. So, I decided to file this complaint after speaking with the agent because I responded to the letter I received from US Bank to handle to matter so I could get the much needed money and it is now 4 months later and nothing has been done.
Product: Debt collection

I agreed to a resolution regarding a disputed XXXX XXXX account ( XXXX ) for the sum of {$4800.00} payable in monthly installments of {$300.00} in the first month and {$190.00} per month thereafter until {$4800.00} was paid. Agreement was reached with XXXX XXXX XXXX XXXX ( XXXX ID XXXX ) who claimed to be working on behalf of XXXX XXXX. The Nationwide Credit representative, and the written confirmation of that agreement, called for monthly ACH debits to be initiated by Nationwide Credit from the Bank Account I provided for the first payment. This was repeatedly confirmed with the representative. 

The First payment of {$300.00} was indeed processed on XX/XX/2022 and I expected the second installment to be processed on XX/XX/2022. It was not. 

I called to inquire as to why the payment was not debited on Monday XX/XX/2022 but Nationwide Credit 's office was not open. I left a voicemail but received no return call despite leaving a phone and ID number per their instructions. I called again on XX/XX/2022 and was advised that XXXX XXXX no longer has the file and the representative refused to discuss the matter further. 

I expect XXXX XXXX to honor the agreement made by their representative and initiate the installments on a monthly basis as required and only for the settlement amount. At present, XXXX XXXX ( either by their own action or their agent 's ) breached the agreement and should not be permitted to benefit by virtue of their breach.
Product: Credit card or prepaid card

Years ago, I helped my elderly mother-in-law XXXX XXXX with some issues she was having with her credit card companies including Capital One. They were charging her a very high interest rates and had charged for services she never ordered. In order to talk to them about the account I was informed that I would need to supply them with a Power of Attorney. I prepared and mailed the POA to them. I then filed my complaints with the companies and with Senator XXXX XXXXXXXX XXXX office. As a result, some adjustments were made to her satisfaction, so my mother-in-law continued her relationship with the Capital One. Now fast forward 10 years or so, I had occasion to review my mother-in-law 's credit card statement and found my name listed as an additional card holder. I never authorized that they add my name to that credit card, nor did the primary card holder. When this first came to my attention, I called Capital One, ( this was 4-5 months ago ), explained the problem and asked that they remove my name immediately. I also asked how they were able to open an account without my permission. They were not very helpful in that regard, but said they would cancel the card. Today I checked my mother-in-laws statement again and found that my name was still listed as an additional card holder. I called Capital One again and spoke to " XXXX ''. I explained the problem and he promised he would take care of it. The only problem is, that they needed my birthday or the last four digits of my social security number. I refused to provide this information, but told him that I would confirm the last four of my social security number, if they provided it to me. He said he did not have access to this information nor did his supervisor. As a result he was not able to help me. I provided them with the primary card holder name XXXX XXXX, the last four digits of her credit card number ( XXXX ), my name XXXX XXXX XXXX XXXX the last four digits of the fraudulent card they opened for me XXXX XXXX ) and the zip code of the mailing address ( XXXX ). They were able to find the account with this information, but their insistence that I provide my personal information is where the process broke down. I never signed up for this card, so I not only want this card canceled, I would also like to know how they were able to add my name to her account. This sounds like the XXXX XXXX fiasco all over again. 

Primary Card Holder : XXXX XXXX Full Billing Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute the following with all 3 credit bureaus. I execersided my right under the Fair Credit Reporting Act, section 609, to request information regarding items listed on my consumer credit report the following bureaus. Transunion, Equifax and Experian in XXXX, XXXX XXXX and XXXX. I asked for verification of the account, wet signture and proof of ownership with original contracts or the have the accounts deleted right away. As per section 609. XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and XXXX, XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX. Credit bureaus are required to removed items if not verified within 30 days. This was never done and is a violation of my rights as a consumer. Please follow up regarding this matter as this mistakes had affected my quality of life, credit history and employment opportunities. This is part of fraudulent acts against me. Police reports were send along with documentation of identity theft. Thank you.