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

XXXX and Experian is reporting a bankruptcy on my credit report and they have put in that the data furnisher is the us bankruptcy court of Texas which is false I have attached a letter from the us bankruptcy court of Texas verifying and stating that they do not furnish information to the credit bureaus or any credit monitoring service nor they they verify and validate any information concerning bankruptcies. XXXX and Experian is falsely stating this information on my credit report and refuse to remove this information from my credit file.
Product: Checking or savings account

Wells Fargo has restricted access to all of my accounts. I have been trying to access my accounts for over 3 years now as seen in Case number XXXX from XX/XX/XXXX to Case Number XXXX on XX/XX/XXXX - I have remained in the same place with Wells Fargo since XXXX XXXX of our business relationship beginning in XXXX. I am very concerned that these cases have all been a huge waste of my time. That they are wasting societies time for monetary gain and less penallties.
Product: Credit card or prepaid card

Capital One won't stop sending offers. We are on the opt-out list. Their legal dept sent a letter reading it would stop and it doesn't. PLEASE HELP!
Product: Mortgage

My husband lost his job on XX/XX/2019, which resulted in approximately {$7000.00} in net income. 
We submitted a loss mitigation application to SPS in XX/XX/2019. Each time I reached out to SPS regarding the status of my application, I was told that additional information was needed. Quite often the information I was told was needed had previously been submitted or questions regarding an item on a document was verbally explained to an SPS representative. I had to explain, on more than one occasion, the relationship between an XXXX XXXX driver ( which I do on a very part time basis ) and the company ; and that I am an independent contractor and as such choose to drive when I want, so my income varies. SPS requested P & Ls, which I timely submitted. 
Additionally, on two occasions I have had to clarify my husband 's re-hire date of XX/XX/2019 ( this was also explained in the hardship letter submitted in XXXX ). 
The documents we submitted then became stale dated, so updated paystubs, bank statements etc had to be resubmitted. 
We received a letter dated XX/XX/2019 stating that SPS had received " ... your complete Assistance Review Application including all required information and documentation necessary to evaluate your account for loss mitigation assistance on XX/XX/2019. '' The letter further states that a decision shall be rendered within 30 days. 
However, when I followed up with a phone call to SPS on XX/XX/2019, XXXX XXXX, told me that additional information was needed : an updated bank statement. The bank statement was submitted the next day. 
Today, XX/XX/2019, I contacted SPS and spoke to XXXX XXXX regarding the status of our loss mit review. Mr. XXXX told me that additional documentation was needed and that my husband 's pay stub had been rejected and clarification was needed regarding my husband 's rehire date on XX/XX/2019. I was also told that the P & L that was submitted had also been rejected. Once again, on two prior occasions I clarified his rehire date along with addressing it in our hardship letter and previously submitted ( over 1 month ago ) the P & Ls. 
Based on SPS ' letter dated XX/XX/2019 they have received a complete package and should not be requesting additional information at this time!
Product: Mortgage

I am current on my mortgage. In fact, I HAVE ALREADY PAID XX/XX/2020 On XX/XX/2020, Wells Fargo Reported that I am 120 days delinquent. THEY MUST STOP MESSING WITH MT CREDIT. I am Beginning to think it is because of my XXXX. I sure hope that this is not a matter of my XXXX  XXXX.
Product: Checking or savings account

US Bank closed my account last year in XXXX with XXXX dollars they did not tell me a reason and my branch told me to wait for some days to receive my funds but until I have not received. I tried to contact the branch I have been told that they have no answer. I need your help please
Product: Checking or savings account

PER THE CFPB ... I contacted PNC Bank ... was in touch and communications with PNC Bank - and was transferred to a DIFFERENT person who was assigned by PNC Bank Executive and got transferred back to the original person who cut me off - XXXX XXXX. SHE WENT DEAD QUIET AFTER I PROVIDED PROOF OF PNC BANK HARASSMENT When I sent her all the proof of from USPS and Caller ID. After she " claimed '' my address and telephone numbers are " not in PNC database ''. But it was. HAVE NOT HEARD FROM PNC SINCE! 

THE 2ND FOLLOW UP COMPLAINT WAS CLOSED AND MARKED AS DUPLICATE WHEN ADDITIONAL PROOF OF WAS ATTACHED. 

-- -- -- -- -- -- -- -- -- - Original Complaint from 2 previous complaints against PNC DEAR CFPB, AS YOU CAN SEE THE FRIVOLOUS CLAIM MADE BY PNC AND THEIR DENIAL THEY EVER COMMUNICATED WITH ME VIA PHONE OR USPS ... I HAVE NOW ELECTED TO PROVIDE MORE PROOF OF ... USPS MAIL. THE CASE " CLOSED '' PREMATURELY IN REFERENCE TO : CLOSED CASE MARKED : XXXX THEY REFUSE TO SETTLE FOR XXXX AND INSOMUCH - HERE IS ADDITIONAL PROOF OF. ATTACHED IS A USPS MAIL FROM PNC BANK WHICH WAS RECEIVED IN TODAY 'S MAIL! I AM NO LONGER GOING TO XXXX : RETURN TO ADDRESSEE / NO SUCH PERSON. RECEIVED 3 MORE CALLS TODAY AND YESTERDAY - ASKING FOR A MR. XXXX XXXX, A MISS XXXX XXXX, AND TODAY, MS. XXXX XXXX XXXX! ENOUGH ALREADY! STOP! ORIGINAL COMPLAINT : SINCE 2017 - THIS REPORT HAS BEEN FILED WITH FTC, FCC, ADA, FED RES, XXXX, AND THE LOCAL SHERIFF 'S OFFICE. PNC BANK CONSTANTLY MAILS VIA USPS MAIL TO A LAUNDRY LIST OF PEOPLE WHO ARE UNRELATED OR NEVER HAD RESIDED ( OR PREVIOUS OWNERS ) AS I AM THE 2ND HOME OWNER OF THIS PROPERTY. I HAVE REPETITIOUSLY MARKED THE USPS MAIL SENT BY PNC BANK MARKED AS " RETURN TO SENDER / NO SUCH ADDRESSEE '' IN ADDITION : PNC BANK CONSTANTLY CALLS ME ON THE PHONE ASKING FOR THOSE LAUNDRY LIST OF PEOPLE ( NAMES PROVIDED ON REQUEST ) ON MY LANDLINE TTY/TDD TELEPHONE, ON MY FEDERAL IP RELAY TELEPHONE NUMBER ( THAT DOES NOT TAKE INCOMING CALLS BUT MESSAGES CAN BE LEFT ON IT ), AND NOW MY OBAMA SMART PHONE. ALL THREE TELEPHONE NUMBERS. EVEN SENDING ME A TEXT AS WELL THAT IT IS IMPERATIVE TO CALL PNC AT XXX-XXX-XXXX PROBLEM? I AM NOT A PNC CUSTOMER, NEVER BANKED WITH PNC. PER THE SHERIFF 'S OFFICE, THE DEPUTY, DEPUTY 'S CAPTAIN, AND I WERE PRESENT AT THE PNC LOCAL BRANCH WHICH THAT BRANCH MANAGER SNAPPED AT ME FOR " STEALING PEOPLE 'S MAIL ''. NO THEY ARE MAILING IT TO ME. ALL THAT BRANCH MANAGER WOULD INFORM THE CAPTAIN AFTER LOOKING UP IN THE BANK SYSTEM THESE PEOPLE HAVE ACCOUNTS AND THEY OWE MONEY TO PNC BANK. HE WOULDN'T GO INTO DETAILS BECAUSE " I'M NOT THE ACCOUNT HOLDER ''. WE KNOW THAT, FOR SOME REASON, MY ADDRESS AND TELEPHONE NUMBER ( S ) ARE APPEARING IN THE SYSTEM. THE CAPTAIN ORDERED HIM TO DELETE ADDRESS AND DELETE MY INFO. HE SAID HE WILL DO IT RIGHT AWAY. ( OF NOTE - IT NEVER HAPPENED! ) I MAKE ALL ATTEMPTS TO RETURN THE CALL AND EVERY SINGLE TIME, PNC KEEPS TELLING ME THAT I DIALED THE WRONG NUMBER AND DISCONNECTS. I HAVE ATTACHED A PROOF OF SAMPLE AND PROOF I DO AND TRY EVERY EFFORT TO ALERT THEM.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX Account number : XXXX Account name : XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX
Product: Credit card

Hi, I stayed in a hotel ( XXXX XXXX XXXX XXXX ), XXXX for a night during my travel. Booked in XXXX XXXX for XXXX night XX/XX/ ( checked in at night XXXX ) and checked out XXXXMy charge was right from XXXX However I gave my credit card in front desk for security deposit. Later after XXXX days on XX/XX/, I was charged additionally for XXXX. I tried reaching to hotel and discover credit card to dispute the transaction. Hotel has very poor customer service and mentioned that they dont maintain records. Discover started fraud investigation and they mentioned that it was charged for different person ( " XXXX XXXX '' ) whom I DONT know at all. I tried explaining this several times and whether it was an intended fraud or a mistake from hotel, I lost my XXXX dollars. Discover customer care is very bad and they say since I am the owner of card, I need to pay though it is fraud. I tried escalating the complaint to check with hotel people how can they charge someone's stay without informing me. And I have proofs that I was in different city altogether and my card is with me on the date of transaction XX/XX/. But poor customer service and they are charging me. Please help and let me know if any further details are required.
Product: Debt collection

I set up payment plan with Portfolio Recovery Associates LLC in XX/XX/2019. When I spoke to someone at first they said that they report on your credit but on all my credit reports they were never listed. On XX/XX/XXXX I get notifications that a new line of credit was opened with a collection company. When I called they said I was looking at my credit report wrong and that paying the debt with them will actually help my credit when really it has hurt it drastically.
Product: Checking or savings account

Over the past year Citizens Bank has charged me more than {$20000.00} in fees. They have repeatedly let charges go through and post to my account that shouldn't have been allowed to post to my account. I have an overdraft plan tied to the money I have in my savings account. Anytime my account gets overdrafted beyond what I have in my savings account it is supposed to be rejected at the point of sale or when it's a recurring payment. It's flat-out supposed to be rejected according to the literature that they provided me with. They have repeatedly that charges go through that shouldn't have gone through past what I have in my savings account and they have repeatedly charged me four or five fees for the same item. They have repeated you that other companies try to charged me again for a returned item and then charge me fees on top of that when they've already charged me an overdraft fee and then a return item fee for the same item. They have charged me more than I've ever had in my account. they have charged me more money than I've spent on myself because they have taken all my money. I have repeatedly complained about this issue to Citizens Bank and have been denied any redress repeatedly with them and I've had it. This past month they have let my account go to negative {$1000.00} once and now I'm at negative {$820.00} when they've let the same item try to be reposted over and over and over again after charging me a returned item fee and an overdraft fee on said item. They are basically letting me borrow money at the rate of 2000 % interest. This is not the first problem of this nature that I've had with them. They also repeatedly let larger items post first and then smaller items follow in order to maximize their fees when they know an account is going to overdraft. The same thing they got in trouble for before is going on now. I can make free {$5.00} purchases today and then tomorrow make a {$30.00} purchase with {$40.00} in my account and the {$30.00} purchase would post and clear first. Again and again this has happened and again and again I've been charged fees three or four times for said item when I should have never been charged for that item because it should have been denied.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and infeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. 
ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT - ORIGINAL CREDITOR XXXX XXXX XXXX THIS ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE. 


MISLEADING AND FALSE INFORMATION. THIS IS AHIPPA VIOLATION YOU CAN NOT REPORT MEDICAL INFORMATION ON MY CREDIT REPORT PROFILE THIS A VOILATION. 
ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT - ORIGINAL CREDITOR XXXX XXXX XXXX THIS ACCOUNT IS INACCURATE AND I AM SEEKING LITIGATION PLEASE DETELE AT ONCE. 

THEY ARE PUTTING ACCOUNT ON MY PROFILE THATS NOT MINE PLEASE REMOVE THEM
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts below are reflected on my credit report as revolving credit cards that do not belong to me. I have tried reaching out to the creditors and to the credit bureaus to dispute and remove these fraudulent accounts but have not been successful in getting this resolved. This is impacting the ability to buy a home and I need this removed as soon as possible. Below are the accounts that do not belong to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 paid XXXX XXXX my past due balance of {$120.00} on XX/XX/2024. The collection agency, The Receivable Management, was disputed with all credit bureaus as there is no balance owed to them. 

They continue to report inaccurate information and updated the balance to {$0.00}. XXXX was paid on XX/XX/2024. The Receivable Management has payment marked as paid on XX/XX/2024. The payment was made to XXXX directly. The Receivable Management has rep worked on my credit report that it is a paid collection. 

It is a paid account to the original debtor that is inaccurately being reported on my credit report even after dispute and production of proof of payment to XXXX. The payment date is wrong as I never paid them. Also the status of it being a paid collection is incorrect. 

I would surely hope they would need to have some sort of proof of payment from me for validity, accuracy and payment reporting to the IRS which they wont as I never paid them.
Product: Checking or savings account

Navy Federal intentionally reduces your account balance. There is an extreme delay in the post, and payments are never chronologically withdrawn.
Product: Mortgage

1. Theyre attaching a {$6500.00} bill to my title from XXXX. It says its a mortgage bill. After research its showing as a finance bill. They cant find it. Ive talk to numerous representatives. They dont have a Michigan office to go into. 
2. After speaking to finance they cant locate the account. They told me to fax it to archives where there is no contact person. I had to fax it. 
3. I asked for a year of payment history for XXXX and they said they had to do a work order which could take a week 4. I faxed the finance department for the old bill and I havent received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Currently under dispute for the 5th time- Shows sold to XXXX XXXX in XXXX never was contacted- XXXX went bankrupt in XXXX. XXXX still shows as past due on Experian. 

All accounts in BK chapter XXXX show negative or past due instead of Discharged. in Experian. They actually showed both the last time I looked. 

The main one is XXXX- I believe it is fraudulent to sell a note to someone- XXXX and then sue to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

First account, XXXX XXXX car loan is fraud my information has been used to establish this account I want it off my credit report before I seek legal action against XXXX XXXX they have committed fraud my information was leaked because of XXXX, all my information has been used, I have filed a ftc identity theft report about this now remove it please XXXX XXXX is fraud yes all my information matched because someone used it to open and established these accounts I will provide documentation to prove it XXXX credit card Same information has been used fraudulently to open and established this account, I will keep filing complaints until these accounts are off my credit reports, this accounts are fraud, a course all my information is going to match someone is using it so please delete these accounts and blocked them I am sending information to block these accounts
Product: Mortgage

I received e-mails from Nationwide Bi-Weekly Administration that they were discontinuing service but that our Mortgage Payment would be made for the month of XXXX if our account had been debited in XXXX with the additional funds to be credited to our bank account. They debited the account on XXXX XXXX, XXXX XXXX and XXXX XXXX. My mortgage has not been paid to my lender as of today XXXX nor have I been returned the additional funds in my holding account that they have promised. The total amount for the XXXX debits is {$2200.00}. {$1500.00} should have been paid on XXXX XXXX to XXXX for my mortgage with {$760.00} returned to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had some questionable things on my credit report so I reached out to the appropriate channels to get them rectified. Noticed an incorrect Bankruptcy on my credit file, I contacted the Data Furnisher which was XXXX XXXX. Upon their investigation they determined the Bankruptcy on my credit file was inaccurate and they deleted it from my file. I reached out to the 3 credit bureaus to inform them that their " Source '' XXXX XXXX whom they claim is the data furnisher, has deleted the information they need to follow suite . Only XXXX did the right thing and deleted it. XXXX and Equifax sent back a letter stated that the Bankruptcy was VERIFIED though XXXX XXXX despite the account being deleted for inaccurate information. 

This proves that those two bureaus did NOT do an investigation, they automatically deemed it verified. If they would have did a legal investigation then they could not have possible verified this bankruptcy because it's no longer there on my consumer report where they claim to be getting the incorrect information from in the first place. Please help me get this removed as they should have done according to the FCRA. This is hindering my ability to borrow, I need a mortgage and am being hymned up by incorrect information that shouldn't even be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is letting XXXX XXXX XXXX XXXX, Dept of Ed XXXX out false information on my credit report it's been over 30 I have not heard anything from this credit bureau, also whenever my score goes up it never changes it always stays at XXXX Experian manage to leave my credit score the same nothing ever changes! I can't even log in into my account. I want Experian to fix my credit profile & let me access my account to monitor what's going on. Also remove the XXXX XXXX XXXX XXXX address on my profile like I requested and this was not taken care of!!!!
Product: Checking or savings account

- Opened a personal checking account at Huntington bank on XX/XX/XXXX - Deposited {$2000.00} via personal check of my spouse on XX/XX/XXXX - Deposited another {$2000.00} via personal check of my spouse on XX/XX/XXXX - Account freeze for verification. Received a letter that the fund will be held until XX/XX/XXXX.

- The fund is cleared from the payer 's bank on XX/XX/XXXX - Account still freeze after XX/XX/XXXX. Talked to a supervisor via phone customer service. Received an answer that the fund will be held for 30 days. The date that the supervisor gave is XX/XX/XXXX - After 30days the fund is still held and the account is still locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, hard inquiries on my XXXX  and Equifax cred report.
Product: Debt collection

I ran my credit report and is showing a company by the name of Eastern Account System I, XXXX XXXX XXXX XXXX XXXX XXXX on there, which is a debt collection company for a company by the name of XXXX- that is a cellular company that I used to have. I paid this off years ago, I actually went to the location in person before I moved from XXXX  and paid this off. And the company XXXX  still sent this to the collection company. I am not going to pay them again, after I had already paid them. I disputed this again this year and is still showing on my credit report. I disputed this with the credit bureau this year. I see on my credit reports that it does show that I have disputed this, but then again I ordered my credit report and this company is still showing as " Negative Account Activity '' which is affecting my credit score. Since I paid this off and the company XXXX  still reported it to a debt collection agency, the debt collection agency is reporting false information that needs to be removed ASAP so I can fix my credit.