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

New set of problems with PNC Business checking ( XXXX XXXX XXXXt ) Issue # XXXX : PNC is restricting my account in terms of how much amount of money I can get out of this account by ACH. There are no free checks provided and XXXX is limited so how somebody like me can do the business? When I talked to PNC local branch manager ( XXXX ) -I am told that buy some pinnacle kind of service to have higher limit, what? Why in the world PNC bank going to tell me how i should run my business and when I need to pay something and how much? if there is a fraud going on then it's fine but why otherwise? it seems PNC is just looking for creative ways to get money out from the customer. 
Issue # 2 : Some very basic stuff also - like knowing account # and routing #... it is not straight forward and I need to provide mobile OTP to get it. This is ridiculous. 
Issue # 3 : Customer service is never available. There is recorded message that it is 20 minutes of wait... NO even after 1 hour ... there is nobody ... then they say-you can provide your phone # to save your spot in line and we will call you back... I have got the calls after 4 days in the past. 
Issue # 4. PNC challenges me with questions - like what was the license plate number of the car that i was owning in 2005. Do you think that it is reasonable to expect that a XXXX years old guy will remember the license plate number of their car - may be 17 years back???? This is ridiculous. 
Issue # 5 : If i have setup a ACH out transaction in future and want to edit it then i can not, i can only reduce the amount of that transaction but can not cancel it. That's really so outdated banking.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request the immediate blocking and deletion of certain accounts from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts are the result of unauthorized activity and should not appear on my credit report. 
The following accounts should be blocked and deleted : Accounts : XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$25000.00} XXXX. XXXX XXXX XXXX  XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed chapter XXXX bankruptcy. Included in the bankruptcy was a company called XXXX XXXXXXXX XXXX XXXX who was servicing as a collection agency for XXXX XXXX. I have call the collection agency to ask them to update the status of the account and it seemed that they removed it. They were sent notice but as they thought my chapter XXXX was discharged they reported the account to my credit report as unpaid. I do know that doing that is against the law. I can not get resolution from this company and their practices are illegal they are affecting my current job with this information as I informed my employer they were included in my bankruptcy. Here is a example of how they are reporting to my equifax. 

Date reported : XX/XX/XXXX Original Creditor Name XXXX XXXXXXXX XXXX XXXX Date AssignedXX/XX/XXXX Original Amount Owed {$610.00} Amount {$610.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxx XXXX Creditor Classification Financial Last Payment Date Date of First Delinquency XX/XX/XXXX here is the proof of my chapter XXXX that was filed : Bankruptcies Bankruptcies are a legal status granted by a federal court that indicates you are unable to pay off outstanding debt. Bankruptcies stay on your credit report for up to 10 years, depending on the chapter of bankruptcy you file for. They generally have a negative impact on your credit score. 

Reference Number : XXXX XXXX Bankruptcy proceeding is initiated by the debtor 's own petition to be declared bankrupt and have benefit of the law. 

Date Filed XX/XX/XXXX Verified Date Liability Exempt Amount Type Individual Filer Subject Court XXXX XXXX XXXX XXXX XXXX Amount I really need this company to follow the law and correctly remove this status from all of my credit reporting agencies. It is affecting my career.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am requesting the deletion of account PHOENIX FINANCIAL SERV XXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to PHOENIX FINANCIAL SERV, and the original creditor has failed to validate the alleged debt, constituting another violation. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2023. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Please provide the original account documentation as well as your license to collect debt in the state of Texas. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. I will attach my credit report to show the many inaccuracies including payment history, date last active, and date last reported. Remove this account from my credit report.
Product: Checking or savings account

Wells Fargo has wrongly accused me of fraud or suspicious activity, I ask that this be removed from my social security and early warning system immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company XXXX XX/XX/2021. To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. 

Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).
Product: Debt collection

XXXX XXXX alleged that I owed a credit card debt for {$1500.00}. I disputed it and they removed it from my credit report and stated I do not owe them on XX/XX/2021 due to identity theft. However, they sold the debt to a debt collection company, Midland Credit Management on XXXX XXXX, whom I have also explained that I do not owe this debt. Exhibit 1 and 2 are attached. I demand remedy from both companies for breach of my privacy rights as a consumer, reporting inaccurate information and causing mental harm over stressing about this situation that they caused. It is negatively affecting my employment and other financial necessities.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights .

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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission and reporting this alleged debt to the consumer reporting agency without validating it with I, the consumer, first is a violation of 15 U.S.C. 1692d ( 4 ). Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the Fair Credit Reporting Act. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states Reporting information with actual knowledge of error, 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. TransUnion, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 15 U.S. Code 1681n ( a ) ( 1 ) states Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. 15 U.S. Code 6802 ( b ) Opt out ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given an explanation. 15 U.S. Code 1681o ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Equifax on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix
Product: Payday loan, title loan, or personal loan

I called Lendmark Financial and advise them that I had made a {$350.00} payment towards my loan on due date of XX/XX/2022. I adv. the representative helping me with call that I wanted {$280.00} applied towards my regular payment and rest {$60.00} towards principal only. I was advise that could only be done if I call someone over the phone and instruct them to apply it that way or to walk in the branch and pay there and have them applied that way. My issue is why can they apply the payment I already paid through them via phone application the way im asking. I feel like they are steeling from us consumers with already high interest rate well over % 35. I also called corporate to resolve this and all they did was xfer me to a supervisor the branch location where I got my loan. Manager was not available for my complaint.
Product: Credit card or prepaid card

I contacted Disciver to get replacement cards. Discover notified me of the cards being produced and in transit. The cards arrived. I had to call to activate the cards. Upon calling today, XXXX XX/XX/2018 at XXXX, after a lengthy hold, they informed me they closed my account " due to inactivity. '' I GOT REPLACEMENT CARDS TO USE THE CARD, THEY SENT ME THE CARDS, THEN SAID IT WAS INACTIVE WHICH WAS THE VERY REASON, ON MY OWN, I WANTED THE NEW CARDS. I believe there just has to be something more here like age discrimination or job discrimination. I have an XXXX FICO 8 credit score -- KNOW VIA THEIR OWN WEBSITE!
Product: Debt collection

XXXX XXXX Contract Resolve Group, LLC. 
XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX Ph : XXXX ext. XXXX Fax : XXXX XXXX XXXX This man has called my office multiple times a day, Called my employees multiple times a day. called my cell phone multiple times a day, called my elderly parents, my brother every family members concerning a business debt that none of my family are involved in, he has been harassing us for over 2 weeks now with phone calls and emails as well.
Product: Mortgage

During the month of XXXX, I made 4 to 6 calls requesting an Amortization Schedule. 

Initially, I was told that several XXXX dollars was required before it could be mailed. On other occasions, I was told it was mailed and would take 10 business days before receipt. My last call resulted in the attached letter rather than the schedule.
Product: Credit reporting or other personal consumer reports

In accordance with 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. These accounts have violated my rights ; Validate Account XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account on my credit that reported open on XXXX of this year to Transunion. The debt in question went delinquent in XXXX, and I am unclear when XXXX XXXX sold the debt to the collector, XXXX XXXX XXXX. Under the FCRA, however, the date of the account opening should be related to the date of delinquency or charge off - I do not know if it is XXXX who screwed me over by handing a debt over nearly three years later or if it's XXXX attempting to gain more leverage in dating the debt to XX/XX/XXXX, but the debt is older than 4 months and must be accurately reflected on my credit report.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint because I recently checked my credit report and found some incorrect information. It seems there's a mix-up with another person named XXXX XXXX XXXX The details affecting my report are : - REMOVE Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX - REMOVE Account : XXXXXXXX XXXX XXXX XXXX - REMOVE Account Number : XXXX I have no connection to XXXX XXXX or the mentioned address and account. This mix-up is harming my credit, and I need your help to fix it. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. I am formally disputing this information and requesting its prompt removal. 

I've attached documents verifying my identity and showing the mistakes. Please review them and correct my credit report accordingly. 

If this isn't resolved quickly, I may need to explore legal options, including arbitration, to fix the errors and seek damages. 

I appreciate your prompt attention to this matter and look forward to confirmation once the corrections are made. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Experian 's website is extremely manipulative to consumers. It is nearly impossible to figure out how to get to the section to freeze and unfreeze your credit without going to the contact section. They also sell a product called XXXX XXXX and when you are trying to figure out how to freeze/ unfreeze your credit the website naturally steers you to this section that costs money and it feels extremely manipulative. It should be clear and simple for people to get to the section on the website to freeze and unfreeze credit. I did it in XXXX minutes or less on XXXX and XXXX for me and my husband. It took over XXXX minutes on XXXX. I was livid. They have to change this i m sure people are wasting money on this credit lock that don't need to be. Please make them change this.
Product: Checking or savings account

M & T Bank XXXX  XXXX XXXX has purchased Peoples United Bank and will be converting over the United Bank checking accounts over the XXXX XXXX Weekend. As part off the conversion, there will no longer be access to the checks processed by United Bank prior to the conversion By access it is defined as to the check image both front and back sent by the checking account owner to the payable party. The hard copy statement does not provide the detail needed in resolving any inquiry or resolving a complaint.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding the inaccurate reporting of the account # XXXX on my credit report. Despite providing clear evidence in my previous correspondence, you failed to correct the reporting errors and instead responded with generic information. This account is being reported incorrectly, showing a credit limit and past due balance on a charged-off account, which is inaccurate as charged-off accounts are closed. These errors are harming my credit and preventing me from securing credit opportunities. I am requesting that this account be deleted from all credit reports immediately. If this issue is not resolved, I am prepared to escalate the matter by filing complaints with the XXXX XXXX XXXX, the Attorney Generals office, and the Federal Trade Commission.
Product: Debt collection

This company keeps calling me XXXX times a day 7 days a week. Even after speaking to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated disputes with all XXXX CRAs in XXXX XXXX. The dispute with Equifax still has a status of " pending '', now almost XXXX days later. I have not been notified of any result and I do not see a way to follow up with them about it - the " Contact Us '' link on their web site does not even work when I click it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the fraudulent account currently appearing on my credit report. Despite sending you my previous dispute letter and the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, this account is still being reported on my credit report. I have contacted the bank associated with this account, and they have acknowledged the fraudulent nature of this account so the account was already removed from XXXX and XXXX. I have also provided the company with all necessary documentation to support my claim. Please DELETE the account stated below : XX/XX/XXXX XXXX
Product: Debt collection

A company claims that I opened a account for a credit card with a XXXX XXXX. They claim that I have used the card in North Carolina and also here in Michigan. They also claim that I have made previous payments on the account.
Product: Debt collection

Submitted complaint on XX/XX/20 about a collection being placed on my credit report. I was never given the option to dispute before it was on my report. I requested debt validation and never received the validation after 30 days. This should be removed as they failed to verify in 30 days.