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

I have a bank account with PNC. I had an authorization hold put on my account for {$2500.00}. PNC called me to verify the account on XX/XX/XXXX which I did not verify the transaction I called PNC they told me it was a authorization hoe and it will clear within XXXX days the transaction end up posting to my account every since then Ive been requesting the money back from the company and also PNC, which told me they were doing a charge back, which never happened It has almost been over 30 days. I have filed with the federal trade commission. This is ridiculous. I was robbed by PNC Bank and the company. I never authorized the transaction. I have a voicemail of them calling me PNC To this day, they have not did anything. I said I did not authorize the transaction and PNC Bank still let it go through and let this company take my money after speaking with me and I told them on XX/XX/XXXX that I did not authorize this
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX
Product: Debt collection

No communication from company. I was made aware of a new collections account on my credit profile. Prince Parker and Associates out of XXXX, NC placed and erroneous collection account on my credit profile. I do not owe this debt and have never done business with whom they represent, XXXX XXXX XXXX. I have requested proof of the debt, how the debt was verified and by whom was the debt verified.
Product: Credit card or prepaid card

The personal information for my Kohls account is incorrect. I have notified the company on three different occasions that my name is incorrect on my account and card and nothing has been done to correct the error. My name is XXXX XXXX XXXX. But on my Kohls account and card my name is listed as XXXX XXXX XXXX. Please correct this error as soon as possible and notify any consumer reporting agencies of this error. Please see attached all supporting documentation.
Product: Credit reporting or other personal consumer reports

I have tried a few times to resolves this, but now I have spoken to a Consumer Law Ofc. 

DISCOVER BANK has charged off an account and NEVER provided me with a COPY of the 1099C, for me to WRITE-OFF as INCOME to IRS. 

DISCOVER BANK wrote the account off as a PROFIT LOSS. 

DISCOVER BANK constantly has been Repeating to place on my CONSUMER REPORT with ALL ( 3 ) CREDIT AGENCIES ( XXXX, XXXX XXXX XXXX ). 

Claiming I still owe the balance, even though DISCOVER BANK took a TAX BREAK. 

If DISCOVER BANK does NOT provide me a copy of the 1099C for the WRITE-OFF.

I will SUE for STATUTORY DAMAGES in ( 30 ) days and I will also REPORT this to IRS.
Product: Debt collection

XXXX I applied to refinance my home I was denied due to a collection that I was uaware about. I contacted XXXX the orginal comapny and they stated that they had sold this account to XXXX XXXX and gave me a XXXX number which i called and it was disconnected. I then contacted XXXX  again and asked for an updated number but was given the same number... but oin my credit report it has ziondebtcollection.com which I also tried to contact and got no answer. I am out of ways to contact or try to resolve this debt and would like for this item to be removed from my credit file as I was not notified and given to chance to pay this debt before it went to my credit.
Product: Debt collection

Firstly, I enter into this matter with honor and clean hands. I am serving you with a Notice of Understanding and XXXX  XXXX, along with a full record of accounting and a proof of claim. XXXX XXXX, as the holder in due course, XXXX XXXX XXXX seeks specific documentary evidence, namely, the true and certified copy ( not a photocopy ) original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Agreement and Application, in both physical paper and electronic formats. This request is made in order to evaluate XXXX XXXX. 's compliance with UCC 3-302 HOLDER IN DUE COURSE and Generally Accepted Accounting Principles ( GAAP ). 

Please refer to the provided Proof of Claim documentation, which includes : 1. Verification of XXXX XXXX. 's holder in due course status is sought. XXXX XXXX XXXX formally requests documentary evidence demonstrating XXXX XXXX. 's initial acceptance of XXXX XXXX XXXX signed instruments in good faith and in exchange for value, as required by UCC 3-302. XXXX XXXX XXXX understands the necessity of consideration in a valid contract and requests access to complete public and private accounting records, including all actual accounting and double-entry transactions representing the flow of funds from XXXX XXXX XXXX account ( s ) to XXXX XXXX XXXX account ( s ), supported by a sworn affidavit. 

2. A true and certified copy ( not a photocopy ) of the original instruments, specifically the XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Agreement ( s ) and the XXXXXXXX XXXX XXXX XXXX XXXX XXXX Credit Application ( s ) for account ending in ( XXXX ), is requested. This should be provided under penalty of perjury and with unlimited liability. Additionally, confirmation is requested regarding whether this Note has been sold. 

3. Presentment : XXXX XXXX XXXX formally demands the exhibit of the instruments for account ending in ( XXXX ) in accordance with the Uniform Commercial Code 3-501. 

4. If the instrument has been sold, all related actual accounting and physical paper/electronic market trade transactions are requested in accordance with the Uniform Electronic Transactions Act and GAAP. 

5. Confirmation of the name of the duly authorized representative from XXXX XXXX. is sought. Additionally, clarification is requested regarding any actions taken, both public and private, concerning this account in accordance with the Money Laundering Control Act of 1986. 

6. If there is an escrow account associated with a XXXX XXXX XXXX XXXX XXXX XXXX account ending in ( XXXX ), XXXX XXXX XXXX hereby formally requests access to the complete public and private accounting records. This includes all actual accounting and double-entry transactions representing the flow of funds and current account balances ( CAB ). 

7. XXXX XXXX XXXX requests all IRS tax form filings related to accounts ending in ( XXXX ), including but not limited to forms 1099-C and 1099-OID.
Product: Credit reporting, credit repair services, or other personal consumer reports

please check the following accounts that appear on my credit report, they do not belong to me, they are hurting me Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

8. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

11. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

12. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

15. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$680.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.
Product: Consumer Loan

Interest rates seemHigher than normal rates even with credit worthy co signer
Product: Student loan

The school no longer exists due to fraud. Navient states the Board of Education is investigating the school. It has been over three years. No results. Navient does not recognize my forty years as a XXXX since I did not work for a public entity. My service in XXXX as a medical service specialist is not considered in this matter. I qualify for forgiveness in regards to my service to our country and community. I am unable to get a VA loan for housing due to the fact my credit has been disrupted by this company. I am now XXXX years old who reached no resolve with this monetary institution. 
At present, I am in forbearance owing a {$170000.00}. I am fighting XXXX XXXX and XXXX at this time. I would like to know my purpose here was worthwhile by serving our country and community. 
I appreciate your indulgence.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account and XXXX XXXX  account is inaccurate please remove these account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Barclays card. I have a high limit and charge a lot for work. I pay the bill in full by the end of each cycle. called to make payment on XX/XX/XXXX for {$24000.00}, called again same day and made payment for {$25000.00}, and for {$6100.00}. XX/XX/XXXX called and made a payment for {$4700.00} called XX/XX/XXXX XXXX XXXX  to see if my line of credit is opened, spoke to a supervisor. I was informed that I would have available credit on XX/XX/XXXX - I went nuts. The money left my account on XX/XX/XXXX. I have had a card with them for many years, charge in excess of {$100000.00} per month, I do not carry a balance & do not bounce checks. They had me do a conference call with my bank to confirm that they money really did leave my account. 

I have other cards, but this card has the best perks. They are the worst to do business with. We have another issue as well. I made a payment that was delivered to them on XX/XX/XXXX. they claim it arrived on XXXX - I have a signed slip and they will not delete interest charges. Cost me {$1200.00}. I am going thru Mass Consumer Assistance. If they do this to me, what are they doing to people who can not defend themselves. I think their business plan is to delay receipt of payments to increase fee income.
Product: Credit reporting or other personal consumer reports

I filed a complaint with Experian to dispute this account as it is not mine and instead they did not complete an investigation. The account says it was opened in XXXX of this year, but is already in collections for over XXXX XXXX dollars. This is a fraudulent account that I did not open.
Product: Credit card

I am writing to file a formal complaint against Navy Federal Credit Union for the recent closure of my credit card account ending in XXXX without valid justification. This action on their part not only contradicts the principles of the Equal Credit Opportunity Act ( ECOA ) but also raises concerns about their adherence to fair lending practices. 

On XXXX, I received a notification from Navy Federal Credit Union informing me that my credit card account was being closed due to reasons that were not specified in the communication. This sudden and unexplained closure has left me in a state of distress and confusion, as I have consistently maintained a good credit history and have never missed any payments or exceeded my credit limit. The decision to close my account appears to be based on arbitrary factors rather than my ability to pay. 

The Equal Credit Opportunity Act clearly prohibits lenders from discriminating against applicants based on their race, XXXX, religion, national origin, XXXX, marital status, age, or receipt of public assistance. Furthermore, the ECOA prohibits lenders from denying credit solely on the basis of an applicant 's ability to repay. Given that my credit history and financial responsibility demonstrate my ability to manage credit, it is deeply troubling that Navy Federal Credit Union would resort to such a decision without any apparent valid cause. 

I believe that Navy Federal Credit Union 's actions violate the principles of the ECOA and raise questions about their commitment to equal credit access. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that Navy Federal Credit Union provides a valid and non-discriminatory reason for the closure of my credit card account. I also request that any necessary corrective actions be taken to rectify this situation and prevent such occurrences in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired XXXX XXXX XXXX on XX/XX/XXXX, they challenged Transunion, XXXX, and XXXX. They are refusing to remove what's past statue of limitations which includes all my student loans, XXXX XXXX XXXX XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX. The ones that has the same dates are different charges
Product: Checking or savings account

Citibank closed my bank accounts and issued me 3 official checks. All 3 were deposited into my checking accounts, 2 checks cleared and the 3rd had a stop payment put on it by Citi bank. Citi bank now refuses to give me my money that was in the account at closure of the account. Also they refuse to close my brokerage account and let me withdraw those funds. I do not owe Citi bank any funds. This constitutes theft and malpractice
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late Payments posted on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the Following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer Credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer And the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of My report after the changes have been made will result in legal actions being taken against your company, For which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability For willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on getting feedback about a few account reporting on my credit report. I have been reaching out to Equifax, XXXX and XXXX for a few months now and have received no response. I mailed out my final letters on XX/XX/2021. Each of the letter mailed out on XX/XX/2021 were sent certified. Tracking number listed below : XXXX XXXX XXXX The items in question are : XXXX  XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX  ) ( XXXX ), XXXX  XXXX XXXX  I ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ), XXXX  ACCOUNTS ( Original Creditor : XXXX XXXX  ) ( XXXX ) Please have the XXXX, XXXX and Equifax delete these items from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XX/XX/XXXX {$1100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$440.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00}. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXE XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

Mr. Cooper 's billing practices are illegally applying principal payments towards interest. Mr. Cooper also fails to disclose incorrect information it provided credit bureaus. 

My loan was transferred to Mr. Cooper in mid-XXXX. I made two previous mortgage payments to the old lender which included extra payment towards principal and also had credit applied at closing towards principal. I contacted them via their website on XX/XX/XXXX alerting them their balance was ~ $ XXXX higher than actual, provided them a copy of the a XX/XX/XXXX statement showing this, and asked them to correct it and the XX/XX/XXXX payment. They stated they I would receive a letter of resolution within 7-10 days. I never received a letter from them. Instead, I checked the account on XX/XX/XXXX to discover they had credited the extra payments on XX/XX/XXXX,  1-2 months AFTER they were actually made. This meant XXXX {$60.00} of principal was washed away, including my XX/XX/XXXX payment. 

I contacted them via the website on XX/XX/XXXX and provided them statements from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX showing all previous payments including the breakdown between interest and principal. They responded on XX/XX/XXXX, " Due to the nature of your request, we ask that you please call us directly so one of our account resolutions representatives may assist you. '' I called on XX/XX/XXXX and was informed the phone agents could not access my previous system emails or submitted supporting documents. The agent said my case would be elevated and should be resolved within 7-10 days. 11 days later, the payments are still not corrected but they have collected their monthly payment on XX/XX/XXXX.  Although the extra payments were eventually credited, I'm still paying extra interest on the ~ {$60.00} which was never credited to the principal from the early payments. 

This extra interest is small, but it will add up over time and I'm just one loan. If Mr. Cooper fails to properly bill me and apply payments on the proper date are they doing it to others? This illegal activity can add up to big dollars. 

Mr. Cooper is also impacting my credit. I received a letter in XXXX in which Mr. Cooper acknowledged they sent incorrect information to the credit bureaus. The letter did not state what misinformation was sent or to which agencies, only that corrected information was sent. If I had questions, I was to call customer service. When I called customer service the agent said wrong information was sent but the system did not specify what, to whom, or how it was corrected. The agent said there was no way for me to get this information. I am astounded that Mr. Cooper does not have to provide specifics. How do I know that the correct information was received by the credit bureaus or even that the information Mr. Cooper sent was actually correct and went to the original recipients?
Product: Money transfer, virtual currency, or money service

American Honda Finance Corporation mailed me a check from a settled claim between XX/XX/XXXX and XX/XX/XXXX. 
The check however, was mailed to my old address and I was not made aware of it until after the check was void. 
I contacted AHFC about this issue and they claimed that it was too late to reissue the check. 
I am currently in possession of the original check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
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