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

I was approved XX/XX/XXXX a new checking account. When I signed up for the account I sign up for one account instead I received three accounts : A " spend '' account, a " reserve '' account and a " growth '' account. What do those even mean? I've had checking accounts before and this is unique to PNC -- I didn't ask for a sign up for three accounts only one account from which to do my banking. because I had three accounts, I make an error and bill paid from the wrong account -- the reserve account. Because all of my funds were in the spend account and not the reserve account, I was charged a {$36.00} fee on XX/XX/XXXX, because there were no funds in the reserve account. Then, against my knowledge and against my wishes, PNC Bank via their bill pay service " XXXX '' trying to pay the bill again on XX/XX/XXXX, even though the payment was reversed XX/XX/XXXX, by the payee XXXX XXXX XXXX. because they were still no funds in the account I never wanted and don't know how to use, I'm going to be charged a second {$36.00} fee caused by the bank! I called the bank XX/XX/XXXX, reverse the first {$36.00} fee because of the screw III accounts that don't make sense and they declined. I called XXXX XXXX AVP branch manager on  XX/XX/XXXX, attempt to reverse the fee because of these weird three accounts and she was unable to reverse the fee. However this is when we discovered that PNC Bank was pulling funds from the reserve account again likely resulting in a new {$36.00} fee. I called PNC Representatives again at XXXX XXXX suggestion, to attempt to reverse the bill pay. The rep stated she could not reverse it and that I would need to call in again when the new fee hit my account to see IF it could be reversed. I'm unemployed and can not afford these fees. Please help.
Product: Checking or savings account

Al information is in my docs that im sending, I can't open an account at all
Product: Credit reporting

An item from XXXX XXXX XXXX XXXX is being reported on my Experian report, I 've had it removed from XXXX and XXXX, I 've filed several disputes with Experian and they still wo n't remove the item, which is n't mine, it 's causing stress and XXXX XXXX XXXX. It 's messing up my score and it is n't fair to continue to report something that is n't mine and has been removed from XXXX out of XXXX major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A. Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX 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
Product: Debt collection

I am a victim of the XXXX  data breach and had terminated my business relationship with XXXX as a result. Months later after I had ceased doing business with XXXX on or around XX/XX/XXXX I was sent a debt notice by a collection agency regarding an open XXXX account. After weeks of back and forth with a collection agency and XXXX  it was determined that the account was fraudulent and unauthorized by me and after filing an FTC fraud report # XXXX I and XXXX  agreed the matter was settled. On XX/XX/XXXX I began receiving calls from a XXXX XXXXXXXX identified as a scam. As a XXXX person with low vision I review my phone logs and was left with a XXXX  which I called and learned was a collection agency Source Receivables Management. I called and after I identified myself was told I owed XXXX XXXX and something dollars and they would destroy my credit rating if I failed to pay. I notified them of my XXXX and asked for the firm to identify the creditor and provide proof of the debt in an accessible format for my low vision. To the time of this complaint I still have not received the requested information. Now I am victimized by Source Receivables Management and the originator of the account XXXX  yet again.
Product: Mortgage

Transfer due to bankruptcy landed me with SPS XX/XX/XXXX. 
Final escrow analysis completed by XXXX  on XX/XX/XXXX leaving a {$1400.00} ESCROW CREDIT and final statement with XXXX balance. ( see enclosed ) My first Statement from SPS dated XXXX documents payment of {$890.00} with a {$120.00} chrg/fee and {$34.00} unapplied FOR WHAT? Due : XX/XX/XXXX {$980.00} I contact SPS questioning fees as this is my first statement and requested an escrow. First Escrow with SPS XX/XX/XXXX increased the pymt over {$250.00} with a new pymt of {$1100.00}. Table 3 does not indicate the {$1400.00} escrow credit was carried over from XXXX  and applied. The county tax was also incorrect. And {$570.00} WHAT IS THIS FOR? Indicating a shortage of {$2500.00}. INCORRECT! NUMBERS DO NOT ADD UP! 
New policy effective XXXX premium {$2200.00} ( declaration page include ) SPS says they paid {$3600.00} for the policy. Escrow stmt XX/XX/XXXX documents a different pymt for {$1100.00}. MY check # XXXX to SPS for escrow only noted on check ( enclosed ) NEVER APPLIED. NUMBERS DO NOT ADD UP! 
Escrow stmt XX/XX/XXXX documents pymt for {$1000.00}. Insurance information STILL NOT UPDATED. Escrow stmt XX/XX/XXXX documents pymt {$960.00} UPDATED INSURANCE. NUMBERS DO NOT ADD UP! 
It took from XXXX for them to correctly apply the insurance information and come up with a payment as evidenced by the multiple escrow analysis I requested and received. PAYMENTS VARIED AND FEES OCCURRED BASED ON WRONG INFORMATION. 
I set up direct pay from my bank to SPS for {$960.00} monthly and this pymt continues. The SPS stmt XX/XX/XXXX monthly pymt due {$1000.00}, unapplied pymt {$530.00}. XX/XX/XXXX SPS stmt pymt due {$960.00}, {$110.00} fee, unapplied {$340.00}. Every stmt after had a fee and unapplied pymt amount. NUMBERS DO NOT ADD UP! 
ALL OF THE FEES ARE DUE TO THE NEGLIGANCE of SPS NOT CORRECTING THE INSURANCE INFORMATION AS EVIDENCED ABOVE. THERE WAS NO ESCROW SHORTAGE. I SHOULD NOT BE REQUIRED TO PAY ANY FEEDS AND I AM DUE ANY UNAPPLIED CREDIT! 
XXXX SPS XXXX stmts have a new pymt amount {$890.00} unapplied pymt and fees continue. I continue to pay the {$960.00} XXXX bill dated XX/XX/XXXX premium due XX/XX/XXXX {$2900.00} was pd in XXXX. Escrow stmt XX/XX/XXXX updates insurance. XXXX policy effective XXXX is cancelled XX/XX/XXXX. New policy provided by XXXX new premium {$2000.00}. With a savings of over {$900.00} there should be an adjustment/decrease to my monthly pymt. 
On XX/XX/XXXX I made pymt of {$960.00}, XX/XX/XXXX pymt f {$2600.00} this account should be caught up! 
With all of the evidence provided there was no shortage ever, all fees need to be removed and the escrow correctly recalculated since loan inception!
Product: Consumer Loan

My auto loan is with Ally. I made a personal loan to pay them XXXX and not have to pay my car again till XX/XX/2017.i called and asked if I could do this. To the payments not the principal, they said yes. I tolded them not to any late fee or any other fee. Since then I have talked to XXXX people, because they say my next payment is due on XXXX 2017. Not XXXX. 2017. ..because they took out the late fees, plus some money from when my car had been repossessed, some while back. But that 's not what i asked for, or authorize. If not, i would have just made the payments month by month. Now after I 've been calling for 2months and spoken to XXXX people about this issue, they tell me the money they took can not be reversed. To put on my payments. No one wanted to be responsible for it. Try speaking to a manager during these 2months, they always answer me, that there is no manager at the moment. Iam so upset, because if I did this personal loan, to pay my car. ( Advanced ) is because I ca n't pay till XX/XX/2017.They lie to me, and just did what they felted like doing with my money. This has affected me so much. Ca n't sleep. Iam so sad, XXXX and very disappointed. Mad. Please let me know if you can help me. Thank you and God Bless
Product: Debt collection

I recently signed up for PayPal Credit and within days they started reporting that my account was being hacked, they asked me not to use the account, they kept emailing me and reminding me of my payment, sent letters on how to pay my bill and sent me a monthly payment statement. They couldn't even tell me if they had received my payment when I called them. They eventually returned my payment because they said they couldn't find my account. Apparently, you have to have your account number on the payment, or some other reason, even though I sent them the account information they provided me. They don't post your account number online in your account, ( they send the last 4 numbers on the statement ) or denote it as a mandate in the payment instructions. You have to call them up and ask for it. So - now I'm having to fight with them to force them to take my payment. I asked them if they wanted me to send them the product I bought, and they said that they didn't because they were a lending institution. Apparently, they have about 20 reasons why they won't accept your payment. They probably make more money from this kind of fraudulent credit reporting than they do banking. I called PayPal and asked them if I could just pay the entire purchase off on the third since the payment was late because of their error and because they returned my payment to me. They said they would agree to that. PayPal should be better regulated, and they should also create friendlier consumer policies. Now they're reporting my payment as late. I don't know what kind of scam they're running but now they're publicly slandering me and trying to destroy my credit rating. PayPal has raised my bill amount to XXXX from XXXX. They should be forced to pay me XXXX dollars for slander and bad faith. I'll send them the XXXX right on XX/XX/year> as agreed.
Product: Credit reporting or other personal consumer reports

XXXX Equfax and XXXX have been requested to add my statement to my credit file. I would like this statement added to my credit report on my sent to every company who has viewed my credit file since XXXX. Statement '' I have requested XXXX XXXX send to my address a copy of the original signature when this debt was established. XXXX is inaccurate with reporting the 1st date of of being late in XXXX. CFPB published that XXXX was found guilty of thhe same concerns I have. CFPB reportedWhen XXXX XXXX purchased debt, it estimated the statute of limitations that governed the debt, and in some cases that date was later than the actual statute of limitations ''
Product: Credit reporting or other personal consumer reports

Reporting accounts XXXX XXXX and XXXX XXXX  that doesn't belong to after. After submitting proof and ftc report the credit bureaus refused to remove accounts.
Product: Debt collection

On XX/XX/2022, I called XXXX XXXX XXXX a partnering company with Exeter Finance for repossessions. I was told that my car had been sent to Auction today, and that I should set an appointment to come and retrieve my personal property from the company 's office. The letter that I received from Exeter Finance stated that I had until XX/XX/2022, with a 10 day extension option to submit a payment in full for a redemption of my vehicle. 

On XX/XX/XXXX, shortly after receiving the letter I submitted a tender for payment in the amount of {$16000.00} via certified mail with the return card # XXXX according to UCC 3-603 which states : ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.

I never received so much as a refusal phone call, email, or notice that the tender of payment was refused by Exeter Finance, and that my vehicle would be sent to auction before the date stated in the letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue with XXXX XXXX XXXX XXXX and The XXXX Credit Bureau ( Experian, XXXX and XXXX ). 

I had XXXX XXXX XXXX loan which was an installment account that has to be paid in 5 years plus lone term with a set number of scheduled payments and it was ended on XX/XX/2021 with my last payment of {$490.00}. But, it reflected in my credit report as paid in full & closed as a result My credit score dropped XXXX points by Experian, XXXX points by XXXX and XXXX points by XXXX. The irony is my payment history in this account is 97 % and the length of this account history is also more than 5 years which both have 35 % and 15 % respectively to impact my credit score positively. But, this never happened in the last 5 years instead when the last payment schedule done my credit score dropped because of the terminology " Closed ''. yes this account is installment account not revolving credit account like a credit card which can be used continuously from month to month with no predetermined payable schedule so why they use closed to harm my credit score? why i never had a single point increment in the last 5 years? 
Therefore, I need CFPB to investigate this matter and address my concern as well as help me get back my dropped score as well as the positive impacts in my credit score in regard with this account that i have done excellent job in the last 5 years plus.
Product: Credit card

I have consistently ensured that payments on this account are made on time, never allowing them to become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXXXXXX 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 XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit and was denied because TransUnion reported a score of XXXX, yet the TransUnion score reported to my monitoring service ( XXXX ) shows XXXX. 

Why is there such a large discrepancy? Shouldn't I as the consumer have access to the my data that TransUnion sells to companies deciding my credit worthiness?
Product: Mortgage

My mortgage company Ocwen Loan Servicing canceled my insurance. I was on a XXXX way call with Ocwen ( XXXX ) and my insurance company, XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. A payment was arranged and Ocwen assured me they were overnight the payment. I did not hear anything more until XXXX of this year. I received a noticed from Ocwen that they were placing force place insurance on my property because I did not have insurance. I called numerous times because I have money in my escrow to cover the insurance. I finally found out Ocwen never sent my payment in XXXX or XXXX. I was never notified by either company that the payment was never paid or received. I also spoke to XXXX, senior underwriter of XXXX XXXX. I explain the situation to them and asked why they did not notify me that it was canceled for non-payment. She was very rude and would not help me at all. I lost my {$250.00} deductible and my renewal discount that I had since XXXX. She wanted to sell me a new policy with a higher rate and higher deductible. I asked why I was never notified and what happened with the payment and she told me XXXX no longer works there. I asked to speak to XXXX XXXX the owner. I spoke to him once and he was suppose to get back to me but he never did. I have called numerous times after but every time I ask for him, they transfer me to XXXX. 

I also have numerous calls to Ocwen. I have spoken to several supervisor regarding this and no one can fix it. As of XXXX XXXX, my insurance will be canceled again if I do n't pay the higher price. I have been paying my mortgage on time for years. I do n't understand how this can happen and how they can just raise my payments ( to cover the escrow shortage due to the more expensive homeowners policy ). This is not a way to do business. I am a hard working XXXX person trying to keep my mortgage current. I should have never lost my insurance and my payment should not have gone up over {$150.00} a month. What are my resources to get this corrected? What are my opinions? Do I have to sue?
Product: Debt collection

On XXXX/XXXX/16 at approximately XXXX a debt collector representing XXXX calls a third party ( my brother ) and shares confidential information regarding credit card debt that I allegedly owe to the company. The debt collector asked for contact information regarding me and my place of employment as well as a personal cell phone number. After he received my personal information the debt collector calls me without identifying himself.
Product: Checking or savings account

On XXXX XXXX, at XXXX XXXX  I received four emails stating that I had an Online Application is in progress. I was at work and had no clue this was happening until I came home from work and noticed the email notifications. I tried calling Bank of America but couldnt get through without an account number, of which I dont have. So, now I am hoping to physically go into the bank and find out how this happened and what is happening.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I had a credit cards previously that were charged off. I filed bankruptcy in 2013 that discharged all of these debts. Portfolio Recovery Associates is now trying to collect on one of those debts even though all were included in the discharge. I have sent them a letter telling them to stop calling me but they keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

these transactions aren't mine I kept telling chase and they refused to work with me!!! and along with XX/XX/XXXXI no longer want their service and I dispute that transaction XXXX XXXX XXXX   XXXX XXXX Food & drinks {$34.00} See details about this transaction XX/XX/2019 XXXX # XXXX Groceries {$200.00} See details about this transaction XX/XX/2019 XX/XX/XXXX *XXXX  XXXX XXXX Food & drinks {$22.00} See details about this transaction XX/XX/2019 XXXX Food & drinks {$29.00} See details about this transaction XX/XX/2019 XXXX  - XXXX XXXX Food & drinks {$59.00} See details about this transaction XX/XX/2019 XXXX  XXXX Food & drinks {$74.00} See details about this transaction XX/XX/2019 XXXX XXXX XXXX Shopping {$490.00} See details about this transaction XX/XX/2019 XXXX XXXX Gas {$22.00} See details about this transaction XX/XX/2019 XXXX XXXX Food & drinks {$74.00} See details about this transaction XX/XX/2019 XXXX XXXX XXXX Shopping {$490.00} See details about this transaction XX/XX/2019 XXXX XXXX Gas {$47.00} See details about this transaction XX/XX/2019 XXXX XXXX XXXX Shopping {$1300.00} See details about this transaction XX/XX/2019 XXXX  *XXXX  XXXX XXXX these are the stuff that I never made please stop pointing fingers at me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a Foreclosure on the XXXX   account number XXXX. ( Please see page attached from my credit report. ) This account was not in a foreclosure and should not be reporting as such. I have attached a copy of the Payoff Statement from XXXX XXXX dated XXXX along with the Settlement Agreement dated XXXX. I was told by XXXX XXXX that the language reporting on my credit report was in error and that they have requested this language to be removed. The account status needs to report accurately that this account has in fact been paid in full. This incorrect coding and reporting of a Foreclosure is seriously harming my credit score and this line item needs to be removed and/or changed to report a {$0.00} balance and paid in full. I have contacted the ( 2 ) bureaus to change this language however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a written communication from a consumer or natural person pursuant to 15 U.S.C. 1692a ( 3 ).

I have discovered that Equifax has been furnishing a consumer report which contains factual information and information alleging I owe debts that have not been verified.

Pursuant to 15 U.S.C. 1681a ( e ) it is a violation for any consumer report which is an investigative report, to contain any factual information.

Pursuant to 15 U.S.C. 1692g ( b ) the alleged debts in the consumer report furnished by Equifax must be verified by a judgement from a court of competent jurisdiction stating that I owe a debt. Equifax and or any other debt collector has not provided verification stating that I owe a debt.

I have not given any debt collector prior consent to communicate with me about any information that is in connection with the collection of any debt. Any person communicating with me about any debt is in violation of 15 U.S.C. 1692c.

Thank You.