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

In XX/XX/XXXX I opened checking account with PNC bank when I started to work in the US ( XXXX, PA ). When I left the US I asked bank for international use of debit card. In XX/XX/XXXX PNC bank issued new card valid till XX/XX/XXXX. In XX/XX/XXXX I moved to XXXX ( I am XXXX citizen ). But on the XX/XX/XXXX of XX/XX/XXXX, I received letter from PNC, that my account closed on XX/XX/XXXX without explaining the reason. My debit card was blocked also without explaining the reason. I send letter through secure online banking message center, but only on XX/XX/XXXX I received letter with cashier 's check for the balance of XXXX XXXX. My bank in XXXX refused to deposit cashier 's paper check on my account and recommended me to use electronic transfer saying that this is usual internetional banking practice. I tried to find other bank or company in XXXX to cash out the PNC check, but nobody here accept paper check any more, in the era of smartphones and electronic transfers. My XXXX XXXX expired and I can not go to US to collect the money ( almost all my saving, I am adult and money for medicine ). On XX/XX/XXXX I sent complaint to PNC bank to inform the bank about impossibility to deposit check in XXXX and asked to annul the check and remit money via XXXX electronic transfer or through online banking or through my debit card to my account in XXXX ( complaint Reference Number XXXX ). But on XX/XX/XXXX PNC bank refused XXXX trasfer and refused to accept the return of the check, cynically apologizing for inconvenience for preventing me from the access to my money. As a result, from XX/XX/XXXX I have no access to my money that I entrusted the bank and do not see any way out of the situation. On XX/XX/XXXX, 6 months after issuing the casier 's check, it will be post-dated and I will loose even theoretical possibility to get my savings. PNC bank completely ignored my interest as customer and refused to cooperate to solve the problem. It was PNC bank who initiated closing of checking and saving account and bank should did everything to protect my interests, but didnot. Nobody asked me what is the suitable way of remitting the balance to me. Please note, that my account was closed immediately after I informed bank about relocation to XXXX. The bank knew that they use antiquated paper system that doesnot work outside the US.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to buy a house and I realized that I had damages on my credit report. According to the 15 USC 1681 law, there should not be any damages on my report. It's a defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are hard inquiries on my credit reports for XXXX  and XXXX  from XX/XX/2020 from various banks. I did not authorize any of these organizations to run my credit and I did not apply for a loan with any of these organizations. I did not authorize any third party to run credit on my behalf. I believe this is an attempt at identity theft. In some cases, there are even multiple inquiries from the same company on the same date. 

Below is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXX - XXXX inquiries on Same date! 
First Investors Financial Below is a list of inquiries on XX/XX/2020 on my XXXX  report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account number XXXX is wrongfully appearing on XXXX, transunion and XXXX credit bureaus.The debt is not owed.The debt is from an older car lease which was subsequently rolled into a new one.The car dealer stated there was no outstanding debt that was not rolled into the new lease.I have included the lease contract for confirmation of this fact.
Product: Checking or savings account

My name is XXXX XXXX and my consumer ID number is XXXX, I had a bank of America account that was close XX/XX/2018. my information was reported to XXXX XXXX and now its effecting my ability to obtain other accounts from other business institutions. 
I have contacted Bank of America several times just to fine a solution and move forward, and I can't seem to be getting anywhere, because according to BOA customer rep, they can't give me any information over the phone that i should contact check system. when i did contacted XXXX XXXX, they didn't seem to have any information for me either. so at this point am confuse as to what will be the reason BOA will report anything to XXXX XXXX. 
All am asking of BANK of AMERICA, is to please Let me know what the real issue is so i can fix it and move on or remove what ever information they have on my credit report that is affecting my ability to do other business.
Product: Debt collection

I am applying for a new home to help my family under this pandemic and my loan officer looked at my credit mentioning there's a problem and he can not move further with my application. He mentioned ERC is a new account and I have to fix this problem. XXXX an account listed on my credit report that just popped up under ERC collecting for a company called XXXX XXXX for {$880.00}. This company is operating unethically and in violation of my rights. This is a company who has never sent me a letter or called ever. I've never done business with them and have no financial obligation to them. This account was on my credit previously in XXXX with XXXX XXXX XXXX under the account number XXXX I was not familiar with this account and asked them to SUBSTANTIATE this claim that I owe them. I have been a victim of ID theft before and I monitor my financial affairs very closely. XXXX XXXX XXXX then removed the debt and placed it with another company called ERC. All this happened under 30 days ( see attached screenshots ) so how would XXXX XXXXXXXX XXXX send me a right to dispute or explain my rights.The Federal Trade Commission has taken action against a debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as XXXX XXXX.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX, director of the F.T.C.s bureau of consumer protection, said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX. I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. I need this taken off my credit because I can not get my home to move my kids into, I will file suit with an attorney of my choice.
Product: Credit reporting or other personal consumer reports

I reported the discrepancy to XXXX as a dispute. XXXX inquired with the company and provided a report showing a {$0.00} balance or what appears to demonstrate a {$0.00} balance and no payment required ; yet a balance continues to show on my credit. 

This false debt has prevented me from acquiring a loan with a lower rate to consolidate debt.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax on XXXX occasions in XX/XX/year> to delete and update ny correct employment information. 

XXXX XXXX - Incorrect information and reuested it would be deleted. 

XXXX - Current Employer, this is correct XXXX XXXX - Never worked for this company and it is incorrect, requested it would be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attempting to dispute something on my credit score with TransUnion. I was required to create an account to access this feature and was charged {$26.00}, plus signed up for a monthly subscription service when I created my account. The website is intentionally misleading. They didn't show me that I would be charged for anything before creating the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/201XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$52000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, EQUIFAX, AND XXXX HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. XXXX, EQUIFAX, AND XXXX, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS. ALSO, THE ADDRESSES LISTED ON MY CREDIT REPORT ARE NOT MINES, I'VE NEVER LIVED AT ANY OF THESE PLACES : XXXX XXXX XXXX XXXX XXXX TX XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ... XXXX XXXX XXXX XXXX TX XXXX... AND XXXX XXXX XXXX XXXX TX XXXX. COULD YOU PLEASE DELETE THEM FROM MY CREDIT REPORT.
Product: Mortgage

My mortgage company is phh mortgage l our purses house in XXXX for XXXX and now is XXXX and I owe XXXX at my account. Most of my payments have went towards escrow. Any of it went towards principal and Im not understanding it so I would like someone to check to see if thats correct because what I understand as long as Ive been in this house which is 17 years most of my payments should go towards the principal
Product: Credit reporting or other personal consumer reports

XXXX is reporting XXXX XXXX  on my report but they broke the law on multiple occasions. XXXX XXXX stole my property in my car, didn't follow court procedure and sued me in the wrong county. I was never informed of the auction. Please remove this completely.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called the company Wells Fargo to settle on a payment to be able to take this account off my credit report. Wells Fargo agreed to delete account and remark it as Settled as soon as I made them the settled payment but they didnt do anything of what we spoke about. I have letters proving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Associated Bank continues to report a closed, paid in full account as currently 30-59 days past due on my credit reports. The account is paid in full so nothing can be currently late. The bank keeps saying they are reporting correctly yet when I asked what I need to pay in order to bring this account to a current status, I'm told nothing is owed since the account is closed. I know this, since I paid the account in full. I can't say enough that the account is paid in full. Since Associated Bank keeps countering that they are reporting correctly, I ask they specially answer the two questions as part of their response to this complaint so it is on the record here : 1. What is the balance on this account? 2. What is the current amount owed to bring this account to a current status? Since the bank is reporting the account as 30-59 days past-due that means a payment is necessary in order for it to be brought current which I then need to pay. If the answer to these two questions is anything other than zero, than the bank needs to correct my credit reports to reflect that the account is not currently 30-59 days past due. I also demand the bank send me any information regarding the arbitration clause that may be associated with disputes regarding this account as that is going to be my next step. If there is not an arbitration clause than the bank should advise so in their response here. A copy of the reports in question are attached with the current payment status section circled in case the bank needs assistance in reading the obvious.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XX/XX/2020 and XX/XX/2020 my payments report in good standing ( OK ) as on time payments. XXXX XXXX after my XXXX payment XXXX XXXX reported a XXXX late payment for XX/XX/2020. There was never a notice statement of outstanding balance for XXXX. A XXXX late payment for XXXX proves an error. For direct citation concerning this matter please reference 15 USC 1666 ( A ) & ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX such authority. According to 15 USC-81s-2 account is in violation of multiple subsections because not only are the late payments being reported inaccurate they are also being reported during XXXX XXXX. In good faith I have conveyed my hardships with XXXX XXXX on a recorded line concerning the national pandemic and how it impacted my day to day well being, but yet they furnish my report with derogatory marks lessoning opportunities of progress via mortgage, jobs, and other loans that I can leverage to better myself in such trying times.
Product: Credit reporting, credit repair services, or other personal consumer reports

When you apply for a new loan or line of credit, a hard inquiry may appear on your XXXX credit report. Hard inquires are made by lenders and may negatively impact your score. XXXX makes a soft inquiry, meant for consumer education. Soft inquiries may appear on your report, but they do NOT impact your score. Below are all of your inquiries. 
Creditor Name Inquiry Date Type XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Miscellaneous, Not Elsewhere Classified XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Department & Variety Stores XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXX XXXX XX/XX/XXXX National Credit Cards/Airlines XXXXXXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XXXX XX/XX/XXXX Automotive XXXX XXXX XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XX/XX/XXXX Finance
Product: Mortgage

As of XXXX/XXXX/XXXX, I was advised by the XXXX XXXX XXXX XXXX XXXX XXXX. to submit a complaint to CFPB indicating that my second mortgage SLS ( Specialized Loan Servicing LLC ) at XXXX XXXX XXXX in XXXX, CO XXXX either release me from the debt which is charged off or written off the books, or put back on books, which is preventing me from getting assistance through the EMAP Federal Loan program under CHFA, I was approved on XXXX XXXX, XXXX and provided all my documentation needed. Then on XXXX/XXXX/XXXX because SLS would not give a settlement amount or put my loan back on the books, I was denied. I receive a statement every month but it does not show the XXXX figure going down or the amount I have paid decreasing the loan. There is a past due amount but nothing indicating what has been paid on loan especially since I have had them since XXXX, a loan that started at XXXX is now up to XXXX. Original payments of XXXX in XXXX for at least 5 years until I lost my job and payments started at XXXX, monthly. XXXX XXXX was my loan servicer before SLS so I need clarification in writing indicating the balance owed. Thank you in advance for your help.
Product: Checking or savings account

Capital one XX/XX/XXXX, my payroll was not released. I called they stated it would be by Friday XX/XX/XXXX early morning. It its now XXXX will not information or update.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

My son XXXX XXXX XXXX XXXX XXXX XXXX  ) goes to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There was a field trip for which I made the payment of {$45.00} via check from my XXXX XXXX  checking account. Check was sent during end of XX/XX/2023. My bank had enough funds. I don't know why funds were not taken from my XXXX XXXX  account. Yesterday I got a written letter from Envision Payment solutions. Today when i called Envision Payment solutions, they have no answers to my questions like : 1 ) Who is the point of contact in XXXX for this? 
XXXX ) What is the way to protest as funds were there in my account?
Product: Mortgage

1. XX/XX/XXXX Mortgage provided terms on what was believed to be loan modification. 
2. XX/XX/XXXX work Mortgage company and a third party ( XXXX and also XXXX XXXX XXXX ) on mortgage payment in arrears. 
3. XX/XX/XXXX send in payments to mortgage company in the amount of {$2300.00} ( {$41.00} above mortgage companys stated amount ). 
4. XX/XX/XXXX Send in additional payments after not hearing from mortgage company or third party on loan modification terms. 
5. XX/XX/XXXX connect with mortgage company on needed documentation and terms. 
6. XX/XX/XXXX mortgage company informs me I need a subordination agreement from company no longer in existence. 
7. XX/XX/XXXX mortgage company informs me they are proceeding with pre foreclosure and I can do a short sale to make me whole with mortgage company. 
8. XX/XX/XXXX hired lawyer to prevent sale and put house on market for short sale. 
9. XX/XX/XXXX it was determined our house was sold in a foreclosure. 
10. XX/XX/XXXX my family and I vacated foreclosed home premises.
Product: Debt collection

Today XXXX XXXX, XXXX Navy federal credit union took a past due payment of XXXX for my closed credit card out of a shared joint XXXX XXXX checking acct with no authorization and no notification. They refused to return the XXXX unless I agreed to set up a payment on the XXXX of XXXX! When I explained to them I would n't be filing a complaint and that they had no authorization from me or my XXXX husband to take that money only then did they say they would return it but only after I set up a future payment.