23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

1 ) I had a traditional Individual Retirement Account ( IRA # XXXX ) with PNC Bank, invested in a XXXX Fixed Rate Certificate ( CD # XXXX ). The IRA and the CD were originally opened with XXXX XXXX XXXX Bank XXXX XXXX XXXX, and were acquired by PNC when XXXX merged with it in XXXX XXXX. The CD was most recently renewed for a 24-Month term on or about XXXX XXXX XXXX. 
2 ) I received an account Maturity Notice from PNC on or about XXXX XXXX XXXX. This Notice stated that the CD would mature on XXXX/XXXX/XXXX with a value of {$4200.00}. It also stated that, unless otherwise directed, the CD would be automatically renewed for an identical term, at a rate to be determined on the Maturity Date. 

3 ) The above-referenced Notice and the original agreement provided, inter alia, for a grace period of ten ( 10 ) days beyond the Maturity Date for making penalty-free changes to and withdrawals from the CD. 

4 ) On or about XXXX XXXX XXXX I mailed a Direct Rollover Transfer Request to XXXX XXXX XXXX bank ( XXXX ), asking that the entire proceeds of the CD at PNC be transferred on the Maturity date to my IRA account at XXXX. This was done in a form provided by XXXX, and included full particulars of the IRA and the XXXX at PNC. 

5 ) After telephoning me in the following week to verify all particulars of my request, XXXX sent me an email on XXXX XXXX XXXX, confirming that they had sent the Transfer Request to PNC Bank for processing. PLEASE NOTE that this was a full twelve ( 12 ) days before the end of the grace period for penalty-free withdrawals from the PNC account. 

6 ) After a delay of several weeks, XXXX confirmed that an amount of {$4200.00} had finally been received on XXXX XXXX XXXX from PNC. On or about XXXX XXXX XXXX I also received a notice from PNC ( mailed on XXXX XXXX XXXX from ZIP Code XXXX ) confirming the closing of the account and the transaction amount, but without any other accounting. 

7 ) This unexplained discrepancy between the maturity amount and what was ultimately transferred leads me to conclude that PNC Bank had willfully and intentionally delayed transferring the funds till after the grace period had expired. Then, invoking the early-withdrawal penalty provision, they had confiscated {$24.00}, which exceeded even the {$21.00} the CD had earned over the preceding 24 months.
Product: Debt collection

Received a notice, dated XX/XX/XXXX and received XX/XX/XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA XXXX claiming we owed a XXXX debt of {$140.00}. It should be noted that we have not had a XXXX account in nearly two years and that account was in both of our names, not only my husband 's. Our previous account was closed in XX/XX/XXXX, paid in full and all equipment returned to the company. I wrote a letter to Convergent on XX/XX/XXXX disputing the debt/claim and requesting written verification of the alleged debt. Received an undated letter in return with several XXXX/XXXX   statements, all addressed to a person with the same first & last names as my husband, at an address in XXXX, XXXX. I called Convergent to advise that in the past 28 years my husband has lived only in XXXX & XXXX and never has lived in XXXX. After numerous phone call attempts over several days and including numerous " disconnects '' I finally got in touch with an employee, XXXX XXXX, who advised my only remedy was to file an identity fraud claim with the FTC and would not cancel the claim against my husband. I checked a couple of credit reporting agency reports and have found that my husband 's reports include a listing of all of our residences in XXXX & XXXX   and several addresses in XXXX where we/he have never lived. We also found that numerous credit checks have been run by companies with which we do not do business apparently by the other person with the same/similar name in an attempt to obtain credit. Clearly ( to us at least ) there is at least one other person in the country with the same first and last name.
Product: Credit reporting or other personal consumer reports

I requested Chexsystems to place a security freeze on my report. They did so but I never got the PIN to manage my report or create my account online. As a result I am locked out of my report and Chexsystems has frozen access to my report so I can not open any accounts. 

There is no real way to talk to a person as the toll free number keeps cycling through recorded messages and when you want to speak to someone it disconnects.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX has an incorrect address and name tied to my ssn that Im not familiar with and its been hindering my credit for years.Everytime a financial institution runs my credit, its always there and I just want it gone.Thanks and XXXX bless!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated an international transfer to a friend of mine in XXXX with MoneyGram. After completing the online process, at around XXXX on the same night, my bank called me to confirm this transaction. I provided my consent and it went through. 

Subsequently, at approximately XXXX, I received notification from MoneyGram that my transfer was sent. The reference # provided was : XXXX. 

Following this, I received an email at XXXX on the same day ( XX/XX/XXXX ) informing me that : " For your security, please note that effective immediately your MoneyGram Online profile access has been revoked and your profile has been suspended. 

MoneyGrams review of your profile and associated activity has identified it as being at high risk of fraud, scams, or other associated activity which may include a violation of MoneyGrams Terms and Conditions Please direct any questions to this link ; select E-mail and complete the online form. '' Since that date, I have submitted 4 different requests for information, one via Online Chat and three via the link provided in the email. The three via the link provided have case # 's as follows : - Case # XXXX : " XXXX - XXXX Question or Feedback '' ( XX/XX/2022 @ XXXX ) - Case # XXXX : " XXXX - Report Fraud '' ( XX/XX/2022 @ XXXX ) - Case # XXXX : " XXXX - General Question or Feedback '' ( XX/XX/2022 ) The first complaint had a response on XX/XX/XXXX that provided no additional information ; the bulk of the response is quoted below : " Thank you for contacting MoneyGram. We appreciate the opportunity to address any questions or concerns you may have. 

Upon review, it appears your inquiry addressed to MoneyGram has been noticed. You were able to spoke to chat service and the information about your profile account was provided. '' Nothing of the sort occurred with an online chat and I was somewhat confused how I received this message since MoneyGram does not allow these types of inquiries to be brought to the Live Chat folks... they immediately push you off to the weblink. I was informed on one of these Live Chats that since I received that email the transaction would have been cancelled automatically, but that is most certainly not the case. My bank account still has a {$270.00} debit from MoneyGram.

At this point, I have filed a dispute with my bank and am following the procedures they have set forth. However, I feel like MoneyGram has treated this whole situation in a way that has left me {$270.00} less of funds and a week of frustrating problem-solving while I was with my family in XXXX. The fact that they never replied and still have my money is concerning and I hope CFPB can help resolve this issue and take steps to prevent it from happening again.
Product: Debt collection

I understand that you verify the information that the agencies report on the credit, so how do you tell me that you have no control over how the agencies report? This is an abuse. Does the balance of this account go up and down whenever it wants? and I really believe that they do it as part of revenge for being disputing. I ask that you remove this account from my credit report, as this is abuse.
Product: Student loan

Although I set up an auto payment arrangement with Navient 2018, they neglected to withdraw the payments from my account on two occasions. I cancelled the arrangement, and was ( and still am )  manually paying the loan on the first and fifteenth of each month ( from their website ). Even though payments are made regularly, Navient still continues to call and harass my mom ( who was a co-signer on the student loan ). I have asked them to stop calling, and my parents have as well. But they still continue to call. The harassment is extremely frustrating, and they have downright told me they will not stop calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been MULTIPLE complaints against the constant violations this company has done on my credit report. So many complaints I have filed against this company and yet theres still violations after Experian states its been updated and dispute complete. If this is not removed off of my credit report permanently I will seek a consumer credit attorney for the violations hindering my credit profile.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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
Product: Credit reporting

XXXX, XXXX, and Equifax has not provided the information I requested To Whom It May Concern : I am writing to file a complaint against XXXX, XXXX, and Experian. 
Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Equifax, XXXX to date.I am requesting your assistance in putting an end to this matter. 
I am requesting the removal of bankruptcies ( below ) on my Equifax credit report due to Civil Case No. XXXX, XXXX v. Equifax Information Service , LLC, I did not know the source of their information on those judgments and bankruptcies and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible. Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated. They have yet to provide the information I been asking. I called XXXX XXXX and a lady name XXXX they do not have the right to obtain any information without my permission. 
I also sent a letters informing them that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
They responded account verified without any proof. I trying to fix my credit situation and they are constantly giving me the run around, and are not providing the information I asking for. Can you please help.
Product: Credit reporting or other personal consumer reports

DEFAMING MY CHARACTER. The IRS stated that a charge off is gross and ordinary income. 
XXXX XXXX, XXXX XXXX and XXXX XXXX XXXXXXXX can not report income on my consumer credit reports. Furthermore, the amount charged off is incorrect. They are violations of Fair Credit Reporting Act., 1099 's attached below. 

XXXX. XXXX XXXX account # XXXX -- -- -Paid, Closed/Never late or Delete XXXX. XXXX XXXX Account # XXXX -- - Paid, Closed/Never late or Delete XXXX. XXXX XXXX Account # XXXX - Paid, Closed/Never late or Delete XXXX. XXXX XXXX account ending # XXXX or # XXXX Paid, Closed/Never late or Delete XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX - Paid, Closed/Never late or Delete XXXX. XXXXXXXX XXXX, account # XXXX paid or Fraudulent account # XXXX, 2016 XXXX XXXX XXXX, Closed/Never or Delete XXXX. XXXX XXXX account # XXXX -- -- -Paid, Closed/Never or Delete Account # XXXX -- - Paid, Closed/Never or Delete Account # XXXX Paid, Closed/Never or Delete XXXX. XXXX XXXX account ending XXXX or FRAUD account # XXXX Paid, Closed/Never or Delete XXXX. XXXX XXXX XXXXXXXX account # XXXX - Paid, Closed/Never or Delete XXXX. XXXX XXXX XXXX or Fraud XXXX - Paid, Closed/Never or Delete Debt collector ( Fair Debt Collection Practices Act ( hereinafter FDCPA ), 15 USC 1692 ) I will be filing a lawsuit. 



XXXX. XXXXXXXX XXXX  - Transferred, closed/Never late. correction -Paid, Closed/Never DELETE NON WORKING ADDRESS XXXX XXXXXXXX XXXX  XXXX XXXX FL XXXX I did not authorize them and you want them DELETED. 15 USC 1601 hard inquiries. Delete Fraudulent, 15 USC 1601 hard inquiries. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 


Please correct inaccurate data from my credit report as soon as possible. Please make the necessary corrections to my credit report as soon as possible. 15 USC $ Permissible purpose of consumer reports 1681b. 15 u.s.c. 1681a and 15 USC 1681. 15 USC 1692 K and 15 USC 1640 Civil liability. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. I have suffered damages as a result of the misrepresentation. As a result of XXXX violations of ( CFRA ). 


XXXX XXXX suffered damages as a result of the misrepresentation. As a result of XXXX, XXXX and Equifax violations of Fair Credit Reporting Act ( CFRA ). I will sign the settlement as soon as the necessary corrections to my credit report are done.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concerns regarding inaccuracies in my credit report. Upon reviewing it, I discovered multiple errors, including incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These issues are affecting my financial stability, and I urgently require your assistance in resolving them.
Product: Mortgage

In XX/XX/2020, a credit check was ran on my report for a refinance and I did not make a request. I called the manager and no response was provided nor a followup. 

I became unemployed in XX/XX/2020 due to covid. 

I requested assistance. No one called me. My loan was place in a forbearance on XX/XX/2020. 

I called to correct this, the agent XXXX white disregarded my request to fixed the dates. I was provided an incorrect email to make contact. 

In XX/XX/2020, I followed up with XXXX as she advised me someone was working on my request to fix the dates. 

In XX/XX/2020, I received a covid 19 grant from XXXX county in the amount of 5500 appx. 

I called to confirm the payment was received the payment was acknowledge by XXXX. 

In XX/XX/2020, I am review my payment history and it appears my payments are misapplied. 

I called to request clarification and I was advised my payments are up to date. I reviewed the payment history and it appears the payments are missing. 

Finally, I have not received a mailed correspondence since XX/XX/2020 the time frame when I raised the issue about XXXX XXXX 's customer service. 

I would like my records updated to remove the confusing and requesting my forbearance to start in XX/XX/2020.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I discovered a fraudulent XXXX XXXX account on my credit report with a balance of {$4200.00}. The account was allegedly opened on XX/XX/XXXX, and charged off on XX/XX/XXXX. However, Experian is falsely reporting the charge-off date as XX/XX/XXXX, which is illegal re-aging under FCRA XXXX XXXX a ) ( XXXX ) unlawfully extending the reporting period beyond the legal seven-year limit. 

I took the following actions to dispute this account : XX/XX/XXXX Filed an FTC Identity Theft Report ( Case # XXXX ). 
XX/XX/XXXX Sent written disputes to Experian, XXXX, and XXXX, demanding deletion under FCRA XXXX. 
XX/XX/XXXX Sent a direct dispute to XXXX XXXX, requesting verification under FCRA XXXX ( b ). 
XX/XX/XXXX XXXX XXXX responded but failed to provide a signed contract, original application, or any verification proving I opened this account. 
After a formal investigation, XXXX deleted the account, confirming that XXXX XXXX failed to verify its legitimacy. However, Experian and XXXX refused to remove the fraudulent account, despite receiving the same documentation. 

FCRA Violations Committed by Experian XXXX XXXX XXXX re-aging of a charged-off account ( FCRA 1681c ( a ) ( 4 ) ).

Failure to mark the account as disputed during the investigation ( FCRA 1681s-2 ( a ) ( 3 ) ).

Failure to delete an identity theft account as required by law ( FCRA 605B ).

Knowingly reporting false information with willful disregard for the FCRA ( FCRA 1681n ).

Under FCRA 605B, identity theft victims are not responsible for fraudulent accounts, and Experian and XXXX are legally required to delete this account immediately. Their refusal to comply constitutes willful noncompliance under FCRA 1681n, making them liable for damages. 

Fair Resolution Requested I demand the immediate deletion of the fraudulent XXXX XXXX account from Experian and XXXX credit reports. Failure to comply will result in legal action under FCRA 1681n for willful noncompliance, including statutory and punitive damages. 

If Experian and XXXX do not correct this issue, I will escalate the matter to : The Federal Trade Commission ( FTC ) My State Attorney Generals Office Consumer Protection Agencies Legal Action for FCRA Violations
Product: Mortgage

Our mortgage was recently sold to Select Portfolio Servicing, inc. We had XXXX which sold our mortgage to Select Portfolio. We had XXXX XXXX which was renamed to XXXX because of the complaints coming in because of their intimidation toward their customers. 

Select Portfolio Servicing was calling our home when our payment was not even late. It was not past 30 days at all. We are now receiving letters stating we are late and trying to state that our loan is in jeopardy and I have already paid it. This letter was received XX/XX/XXXX. 

I told them when they called, do not call me again. Today, we received this letter, when the mortgage was paid. 

These mortgage companies are harassing their customers when they have never been late. This has to be against the law. We have never been late by 30 days ever. This harassment by these mortgage holders has to STOP. 

By law, they should not have the right to intimidate!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/2021 to XXXX, Transunion, and XXXX. However it's been over a year and Transunion and XXXX failed to take action or even provide any updates. Only XXXX took the account off of my credit report. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

Today I was in touch with PayPal. Im currently using an account XXXX, I asked if I could regain access to @ XXXX a PayPal account. The man suggested that I close the account. Then started giving me the run around. Ok My family owns PayPal from another life or from an obscene number of years ago I get life stipend I earn money Ive won money I own business Im constantly broke, I constantly rely financially on my mom. PayPal plays a game with me. Wheres my money. I just had a high balance disappear, I just opened a checking account and now its gone, etc they always act like they have no clue whats happened to my money. Im tired of being broke. I need a thourough investigation. Like PayPal wheres my mom and PayPal wont tell you, theyll only play around like they do me. My account statements never reflect whats happened or where my money has gone. Ive opened and closed many accounts, changed phone numbers, changed my email address. I cant recollect them. I ask them to merge accounts they claim they havent or cant. I need for all accounts to be discovered across PayPal platforms. I need access to my money. Problem : my phones are always digitally out of date.
Product: Credit reporting, credit repair services, or other personal consumer reports

0N XX/XX/2021 OVER 60 DAYS AGO A DISPUTE WAS REQUESTED AND NO STATEMENT OF DISPUTE WAS ENTERED. FOR ( 1 ) XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX