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

I have a PNC Bank Checking account. I went into my local branch and requested a print out of all transactions! The print out from the Bank branch doesn’t properly list the payee with the amount paid from my account.I then contacted pnc/XXXX XXXX who later provided me with an accurate accounting contrary to what my branch did as attached. When I received the accurate accounting I found disputed transactions and notified them.They would not process the disputed transactions because “they were not timely notified. However, I relied on the inaccurate statements from my local branch which delayed my being aware of the disputed transactions!
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan is paid off. But still reporting on my credit as not paid.
Product: Credit reporting or other personal consumer reports

This letter is to formally inform you that I recently received a copy of my credit report that your company publishes. Upon review of my credit report, I found a number of items that are inaccurate or questionable. The numerous accounts in question are listed below, please advise under the time allotted in the FCRA. 
Therefore, I am requesting that you please send me copies of the documents that you have in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the XXXX segments of the XXXX XXXX requirements including The Header Record, containing XXXX fields, which ensures that the information was identified correctly by your bureau, The Base Segment, containing XXXX fields, which provides the specific account information for me, The Trailer Record, Containing XXXX fields, which summarized the data submitted to your bureau specific to my particular file. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with XXXX XXXX and 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. 
NOTE : Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, 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 creditworthiness, and I will seek damages if they are not removed and you are unable to provide the necessary documentation.

It is my right that 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. Failure to comply with the deletion demand if you are unable to provide XXXX XXXX COMPLIANT DOCUMENTATION AND EVIDENCE will be met with complaint to the CFPB, the FTC and the Attorney General of the
Product: Mortgage

CFPB Complaint Re WELLS FARGO BANK ( aka ASC ) In attempt to utilize the Government H.A.R.P. program, we were diverted by Wells Fargo / ASC, or rather coerced into using what they characterized as their " in house '' H.A.R.P. program to refinance the house XXXX instead of using H.A.R.P. We were not aware that there was a difference in HARP Program. In doing this, WF/ASC did not make clear to us that they changed the terms of the loan to a 38 year loan which was n't the length of original loan. A fact neither of us realized until recently when we tried to refinance the house at a lower rate. Our recent attempts ( XXXX XXXX ) to refinance the house by contacting various lending institutions has been met with the response that no lending institution " would touch a 38 yr. loan ''. We never had an interest in a 38 yr. loan. 

Wells Fargo, being a lending institution, can not help but know that when they coerced us into this loan that no one would agree to refinance the loan, and they knew that when they coerced us away from the Government H.A.R.P. program and to a Wells Fargo in house program when the loan was taken out. 

We 're finding out how bad this loan is from other financial institutions. Wells Fargo could have disclosed to us the pitfalls of this loan when we could have made an informed decision ( back then ). When Wells Fargo did this loan, they did n't make a full disclosure of what we are now finding out from other banks/lending institutions. Throughout the initial process various Wells Fargo officials were suggesting to us that " down the road '', we could refinance this loan, at a later date. 

We believe that Wells Fargo set us up to fail so they can foreclose on the property. We recently attempted ( XXXX XXXX ) to do a MODIFICATION with Wells Fargo and we were denied. We also inquired about REFINANCING and we were DENIED again. Based on their requirements, depending on the loan type, we would have to ( 1 ) come up with about {$15000.00} at the end of closing or ( 2 ) we need to have one years worth of payments in the bank ( {$3900.00} X XXXX = XXXX ) before they would consider refinancing. Since all of our accounts are in WFB, they know we dont have that amount of money. 

Please, we need HELP. When the loan was first modified, the payments were {$2700.00} per month, NOW, the payments are {$3900.00} per month. All we want are lower monthly payments and to be out of this predatory loan Wells Fargo got us into. We feel we have been taken advantage of in a major way. 

Thanks IF ANY DOCUMENTATION IS NEEDED, WE WILL PROVIDE IT AT YOUR REQUEST.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

As of XXXX a collection company by the name of Bonneville Collections is sending me fraudulent mail with wrong spelling of name and address. Furthermore I called this collection company and they stated they have no collection account given under social security number. Bonneville Collections have yet to place this so called debt on any of the major XXXX credit bureaus since purchasing this so called debt which furthermore let 's me know this is a fishing fraudulent account. The amount of the debt which this company says I owe the amount of {$76.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were in forbearance during the months of XXXX and XXXX of XXXX as well as XX/XX/XXXX. However, XXXX is still reporting these loans as late to the credit agencies. 

I have repeatedly disputed this by providing documentation to serve as a justification for my claim. Recently, in a letter dated XX/XX/XXXX ( that I did not receive until XX/XX/XXXX ), XXXX has responded that " after their investigation, they will not be removing the late payments. '' This is an unfair and illegal business practice as the information that they are providing to the credit agencies is incorrect ; they refuse to change the information even after being provided documentation to support my request of removing these late payments. XXXX 's inaccurate reporting has negatively affected my financial status and has caused me to unnecessarily lose money in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being XXXX percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items
Product: Credit reporting or other personal consumer reports

My account was closed for no reason. I had no balance on it. When asked the reason why, i was given the run a round.
Product: Debt collection

I had made a deal with a credit card company to have fund taken out of my checking acct of XXXX a month until it was paid so they took out XXXX payment then sold to a collection agencythen took XXXX more payments of the same amount this was a XXXXXXXXlimit card at the time I made the deal I had like XXXX before theyhad late fees over the limit fee how can I be over my limit when I have maid payments now I have all paper work they took payment after they sold the note. 
Now they Are going to garnish my pay forXXXX
Product: Debt collection

On XX/XX/XXXX I received an email from Jefferson Capital Systems LLC informing me of an alledged debt. I sent them back an email on XX/XX/XXXX denying any and all claims and demanded Validation and Proof of Claim. I demand that they Cease all collection efforts and communication except to provide proof of this alledged debt. To include all of the following.

Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. 

Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 

The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 

Letter of sale or assignment from the original creditor to your company. The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 

Proof that this debt has not been written off as a tax liability. 

Any other intimate knowledge of the creation of the debt by you, the collection agency. ESPECIALLY A COMPLETE AUDIT TRAIL
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing as the collection agent on an account that was sold after fraud was committed on it by XXXX XXXX XXXX. Upon trying to rectify and settle the account for what I actually owe, it turns out this company is NOT the holder of the debt, but in fact, a law office who is charging me fees regularly is holding the debt. They refused to settle for the actual amount owed, and when I tried to get the name of the law office, the lady refused to give me the name of the company as well as tried to hang up with me after she insisted on arguing with me about whether it was fraud. I repeatedly told her I am not interested in arguing with her, just give me the name of the company so I can start litigation, she told me she is refusing and ending the call. I have NO IDEA who this debt is actually under at this point and they are refusing access to information about the holder to prevent a lawsuit. The young lady I spoke to was named XXXX XXXX, and the number was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX BUSINESS TYPE : AUTO FINANCING DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report, via XXXX XXXX, I noticed that in one day my points dropped XXXX points. Nothing in my credit shows any reason for an XXXX point drop. I have asked for an explanation from TransUnion and have not received one. XXXX point drop by any means is a huge amount and would have to default on all my loans, etc. My loans and credit are in good standing. I need it fixed and an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised/leaked by Equifax without my consent, putting my financial wellbeing at grave risk. Furthermore, my knowledge of the incident was intentionally delayed by Equifax, putting my financial wellbeing at further risk. I was not aware of the issue until XXXX XXXX XXXX even though the incident took place months prior. I have now placed an initial fraud alert on myself with XXXX, and I will have to manage and monitor this leaked data for the rest of my life, at my own expense and spending my own time and money.
Product: Debt collection

Got a thing in the Mail by XXXX sent their office by Cach LLC for a Debt that's no longer owed the Original Creditor XXXX XXXX XXXX written it off years ago the Statute Of Limitations for Consumer Debt in Tennessee is 6 years Cach LL C is a bottom feeding Junk Debt Buyer of Old Debt they bought this from XXXX XXXX XXXX for Pennies to the Dollar these bottom feeders will never learn so whenever I get one of these things from these liars posing as fake debt collectors gon na file complaint then gon na report them all the bottom feeders to the FTC for harrasment they didn't use abusive language or anything but still trying to collect on a debt that's no longer owed is XXXX and somebody has to stand up to these people like I said they count on the ignorance of consumers not knowing their rights of the consumer debt laws and they're always breaking the Fair Debt Collection Practices Act Laws I want the true copy verifying that this Debt from XXXX XXXX XXXX is indeed past the Statute of limitations and was written off by them and also show the true copy where Cach LLC and all of their affiliates bought this debt for Pennies to the Dollar and for them to quit scamming consumers out of their money and not applying the money toward the debt itself and instead putting the money into their own pockets and yes I know I'll get a response back from Cach LLC and XXXX   saying the Statute Of Limitations saying it limits them from suing but not their ability to collect on the debt but to begin with they ain't nothing but bottom feeders and they're fakers and they all have shady business practices that's wrong to begin with and they know their lying when they do that stuff and lying is wrong and having shady business practices is wrong but the Good Lord above is taking notes
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported an inaccurate balance from Bank of America on your credit report for the month of XX/XX/2023.
Product: Checking or savings account

Citibank entered my Social Security number incorrectly when processing my application for a checking and savings account and their representatives had me send a W-9 form to correct the problem, first by fax, then by mail, and finally by email. They are now refusing to correct their records and are still listing my social security number on my checking and savings accounts with two digits reversed, instead of my correct social security number. I have called on numerous occasions over about two months and keep getting the runaround. One rep even disclosed to me the social security number and name of the person whos number was listed in error on my account. They now refused to honor a bonus offer on my account due to the fact that the number in error was tied to a person who already had a Citibank account. 

Many reps said they could fix this but it never gets done. This is a serious breach of security caused by Citibank. They had my correct SS number when they checked my Chexsystems credit report because the inquiry showed up on my report so I know they initially had the correct number. It is unconceivable that Citibank could let this happen.
Product: Debt collection

I am writing to address the issue of late payments on my account. It has come to my attention that there have been instances of payment delays, and I want to express my sincere apologies for any inconvenience this may have caused XXXX XXXX XXXX
Product: Debt collection

I do not know who this company is. I have disputed it with the credit reporting companies. I requested any and all originating documents. It is in violation of HIPAA law as well. Please inform this company to remove in and all information about me from their systems. I did do not consent to any selling or purchasing of any information involving my person. I have never done business with this company. I also will report to XXXX  if necessary.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX  XXXX  XXXX  XXXX Balance : {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, LVNV FUNDING LLC, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. 
The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, XXXX, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, XXXX and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. 
I have received multiple responses from XXXX, XXXX and XXXX stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed account on my credit report from a company called First Heritage Credit that I am not aware of. I have never had any dealings with this company. I contacted them onXX/XX/2021 to see what it was and asked them to remove it. The representative was rude and I was told to dispute with credit bureaus and got hung up on when I started to site the law to them. When I disputed with the credit bureaus it came back as valid debt. 

There are so many things wrong with this reporting which is a violation of 15 U.S. Code 1692g - Validation of debts 1 ) I NEVER receive a notice about this alleged debt- ( Violation of FDCPA ) 2 ) The credit bureaus ( XXXX XXXX XXXX XXXX XXXX  ) reported inaccurate information that was NOT VALIDATED instead went by the words of the creditor and not the consumer. ( Unfair practices ) 3 ) This company failed to provide me with debt verification that this alleged debt is mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX They were a part of my bankruptcy. Just did another dispute and they refuse to update the information. 

Account Info Account Name XXXX XXXX XXXX Account Number XXXX Account Type UnsecuredResponsibilityIndividual Date Opened XX/XX/XXXX Status Closed. {$8300.00} written off. 
Status Updated XX/XX/XXXX Still will not update Status or Payment history. It was done previously
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my credit report showed a bankruptcy that was dismissed... I disputed it because there was never any bankruptcy and the case was dismissed... I disputed the validity of the report with all bureau. it shows up now as bankruptcy filed in XXXX and XXXX on my report. It should be off my report! The incorrect reporting and failure to complete their work in a timely manner is costing me the ability to buy a home there never was a bsnkruptcy... if there was is would be off my report as been over 10 years. It needs to be corrected and I should be compensated for their failure and the damage it has done to my life
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage loan with my bank, and noticed that I have incorrect information on an Equifax credit report. I asked for my free report on line, but they requested several pieces to be submitted first, SS card, Utility bill, bill with my SS number on it, and some others to be mailed to them. This can take a long time to correct. 
In between my loan is not being processed. 
My data was breached by them, and now I am further punished by delaying my right to a free credit report.