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

PNC is stating that they will not give us access to the available funds in our home equity line of credit without us opening up a checking account with them. We wrote a check off of the line of credit to pay a down payment on a vehicle. PNC did not honor the check can not give us the reason why and there were funds available in the equity line of credit, the car dealership received for the check. The escalations department could not tell us why they returned the check and they informed us that they changed our account number in XXXX  but that the checks should have been grandfathered. We were told by the escalations department to go into the branch and have them do an exception XXXX  debit from the line of credit so we could get a cashiers check and pay the car dealership. When we arrived, the branch informed us that they would not do that for us and the only way to access the money in our line of credit would be to open up a checking account with them. This was at the XXXX  XXXX PNC branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

A timeshare loan account with XXXX ( XXXX ) XXXX, opened XXXX/XXXX/XXXX, was not reported as " Adverse '' by TransUnon in XXXX XXXX. As a matter of fact, it was reported as " Current ; paid as agreed. '' Without notice, this account began reporting as adverse in XXXX XXXX. A dispute was opened shortly there after with no change in the negative reporting.
Product: Checking or savings account

I received letters from Citizens bank with a credit debit card and giving me information on the new accounts I opened. I did not open any accounts. I called the company they will have their fraud department contact me and they closed the accounts.
Product: Debt collection

I initially reached out to Optimum Outcomes on XXXX XX/XX/XXXX in regards to a medical debt. I requested documentation asking them to validate the debt that they are reporting to all 3 bureaus because there's a discrepancy in what they are reporting and what the original creditor ( the hospital ) is reporting. Optimum sent information about my hospital visit but the document was printed from their computer showing what they claimed to be the charges for my hospital visit. The document did not look legitimate and the amount owed does match what the hospital is reporting. They also didn't provide me with a HIPPA release form giving them permission to store any of my personal health information in their system. If they collect for medical debt, the very least that they should provide with all documentation is a signed HIPPA release form, otherwise, it's a HIPPA violation. They do not have my permission to maintain my personal health information in their company database.This creditor is not maintaining accurate or legal documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BANK OF AMERICA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and BANK OF AMERICA with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate deletion of the account referenced below from my credit report due to violations of the Fair Credit Reporting Act ( FCRA ) : Account Name : XXXX Account Number : XXXX The basis for this request is that the information you have furnished to the credit reporting agencies is inaccurate and/or unverifiable, and as such, it should not be included in my credit report in accordance with the FCRA. Specifically, the following violations have occurred : 1. **Failure to Provide Accurate Information ( 15 U.S.C . 1681s-2 ( a ) ) ** : The information you reported is inaccurate and has not been corrected despite my previous disputes.

2. **Failure to Reinvestigate Disputed Information ( 15 U.S.C . 1681s-2 ( b ) ) ** : You did not properly reinvestigate the disputed information as required by the FCRA.

I am formally notify you of several serious issues regarding my account, specifically your failure to provide the required Form 1099-C, as well as violations of both tax regulations and the Fair Credit Reporting Act ( FCRA ).

**Failure to Provide Form 1099-C** Under 26 U.S. Code 6050P, you are required to file a Form 1099-C with the Internal Revenue Service ( IRS ) and provide a copy to me when you cancel a debt of {$600.00} or more. Despite the cancellation of my debt, I have not received this form from your company. This failure to comply with IRS regulations constitutes a serious violation and can be considered tax fraud.

**Violation of Tax Regulations** Your failure to issue a Form 1099-C as mandated by 26 U.S. Code 6050P is a violation of federal tax law. This omission prevents me from properly reporting my income to the IRS, which may expose me to potential penalties and interest for underreporting income. Additionally, it constitutes tax fraud under 26 U.S. Code 7206, which addresses fraud and false statements.

**Violation of the Fair Credit Reporting Act ( FCRA ) ** Furthermore, your actions are in violation of the Fair Credit Reporting Act, codified at 15 U.S. Code 1681s- 2. This section requires furnishers of information to provide accurate information to credit reporting agencies and to correct any inaccuracies. Your failure to provide accurate information, including the status of my debt, has caused inaccuracies on my credit report, which negatively affects my creditworthiness.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX, Account number : XXXX Account name : XXXX  XXXX #, Account number : XXXX Account name : XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX XXXX- Installment, Account number : XXXX Account name : XXXX XXXX, Installment, Account number : XXXX Account name : XXXX XXXX , XXXX , Account number : 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 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: Checking or savings account

Company involved : WELLS FARGO BANK on XX/XX/XXXX I deposited a {$2800.00} check using the bank application " Mobile deposit ''. It usually takes the following business day for cashing the check. On XX/XX/XXXX I received an electronic communication from Wells Fargo that they will hold the check until XX/XX/2023, and the Hold Reason was " Signature On Check Was Irregular ''. I called to Wells Fargo Costumer Service and the agent to talked to me said that they couldn't get the money from the issuing bank because the Signature on check was wrong and Wells Fargo will try to get the money from the other bank again on XX/XX/XXXX and then they will deposit to me on the following business day, it means, XX/XX/XXXX. 
After that I decided to call the person who give me the check and we both headed to his bank to cancel that check and he would pay me with another one. We get in shock when the agent looked up his account and showed us that the Signature was right and Actually, Wells Fargo had already cashed the check on XX/XX/XXXX!!! I have proof of that! 
So THEY LIED SAYING TO ME 1 ) THE HOLD REASON WAS FOR AN IRREGULAR SIGNATURE ON CHECK ( LIE ) 2 ) THEY WILL TRY TO GET THE MONEY ON XX/XX/XXXX AND WILL DEPOSIT THE MONEY THE FOLLOWING DAY ( IT WAS LIE TOO ) I decided to call Costumers Service again and the agent was rude to me, saying I was lying, that I have to wait because that's the bank policies. 
I think they lie to clients like me to keep the money on hold without any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COLLECTION AGENCY ISNT REGISTERED IN THE STATE OF NEW JERSEY, THEY HAVE ILLEGALLY OBTAINED MY INFORMATION AND CAUSE SERVE HARDSHIP, I WOULD LIKE THIS REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

700 Credit/XXXXXXXX  is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint
Product: Mortgage

XXXX and XXXX Mortgage payments were marked as late when my account was in COVID forbearance. Payments were made ON TIME and held in a reserve account until underwriting completed loan update and applied funds to account. I was told by freedom mortgage no errors was made. I can NOT refinance because of 2 late payments on my credit report that needs to be removed so I can proceed with the process. 

Payments : XXXX XX/XX/2022 ; {$1300.00} XXXX XX/XX/2022 ; {$1300.00}
Product: Debt collection

My husband and I resided in XXXX XXXX XXXX from XX/XX/XXXX, to XX/XX/XXXX. From XX/XX/XXXX, to  XX/XX/XXXX, I complained about a roach infestation to management and even wrote a letter to corporate multiple times. I was told the problem would be taken care of, and even after the birth of our daughter in XX/XX/XXXX, the problem worsened. We gave the apartment a 30 day notice that we would be leaving due to pest issues. The roaches were in our walls. Everywhere I turned, there they were and it was terrible! So much so, I found them in my infant 's room, and our kitchen. Shortly after we gave them the notice, our entire stove caught on fire! We were told that XXXX XXXX would take care of all of this and they never did. They are charging us for payments that we do not owe. We have already taken care of this. They have removed it from my husband 's credit but it still remains on mine. I tried to fight them by writing them and calling, and no one has returned any of my calls. This is ruining my credit and stopping me from renting another apartment. I am devastated. I am crying out for help.
Product: Debt collection

We attended a timeshare presentation with XXXX. We were picked up from our hotel, driven to XXXX, and in the midst of everything, we were being promised vouchers for food, massages, etc. This was all to entice us. They forced us to stay at the presentation due to them providing us our ride back to our hotel. We were given mimosas before and during the breakfast, margaritas during the presentation and viewing the property, and then more alcohol while the salesperson was discussing the timeshare. It seems to us that they were doing so on purpose to make a sale. Our sales representative told us that he even had purchased a timeshare. He used stories of how him and his family would fly all over the world for very minimal costs, if any. He said that he was able to reserve at anytime, anywhere and it would be available. He even went as far as saying that he could keep in touch with us and assist us in any way possible. This was his tactic to get us to feel comfortable with him, because he never once contacted us nor could we ever reach him. He truly made us feel as though this was an investment for our families, however, its been far from that. Ultimately, he continued pushing us to purchase. We felt as though we would not be able to leave without signing. They continued bringing us cocktails, feeding us promises, and made us restless until the breaking point of signing just so we could leave. After signing, we have found out that we are not able to rent it or sell it, especially not for profit as he told us. They never told us what the interest rate was, even after the multiple times of me asking. The maintenance fees have since gone up and continue to do so each year. Again, something not explained to us. There are so many more fees that are involved with this that was never expressed. For months now we have been reaching out to XXXX regarding our complaints, our concerns, our hardships that we have endured since purchasing this. They have blatantly ignored our correspondences and our communications, solely contacting us for payment. Unfortunately, as expressed, the only solution there is at this point is complete cancellation of this account in its entirety. We look forward to hearing back from XXXX with an amicable resolution of We have explained our situation directly to the resort and instead of assisting us they have decided to use Concord to berate us. It is ruining our credit at a time we can not afford for that to occur. We never agreed to work with Concord and demand they return any debt to the resort so we can finally resolve this matter with XXXX  directly. We have sent cease and desist letters to Concord as well and they have blatantly ignored our requests to return the debt to XXXX and to stop contacting us, which is a violation of our rights. We dont even consider this debt to be legitimate due to the false pretenses XXXX was sold to us under and Concord pursuing this balance confirms they believe in deceiving and mistreating people.
Product: Consumer Loan

I am a victim of ID Theft. Someone has used my information to open a couple fraudulent loans with USAA as well as filing fraudulent claims using my information. I disputed the debt with USAA and provided the fraud packet as well as a police report outlining fraudsters name, address history, etc. USAA never returns my call. It 's been almost a year since I 've disputed this. They tell me they are investigating and never call back. USAA also sold the debts to a collection agency while I was disputing it. They were aware I said it was fraud and they still sold it. I called them approximately two weeks ago only to be told ( several times ) they would call back in a couple days and never do. I believe they are stalling and not resolving these debts in order to resell them. It 's been well over the allowed 60 days to investigate and resolve this fraudulent debt. These debts are significant and my credit is being damaged. There are XXXX loans XXXX is over XXXX and XXXX is almost XXXX.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/year>, I noticed a fraudulent transaction in my checking account. I reported the transaction and provided Navy Federal Credit Union with all the information needed to perform their investigation. They denied my claim before the 10 day policy to issue a temporary credit stating they found " no error ''. I reappealed their decision where they informed me they could no longer issue the credit because the claim was denied before the 10 day period and that they are investigating the matter.
Product: Credit card or prepaid card

On XX/XX/2020, I noticed three transactions on my account that I did not recognized. I contacted Capital One right away about it, I received a credit but a month later I noticed the same transactions on my card so I called them and they said that they were investigating the charges and to wait a few weeks, but a month later the charges were still in my account so today XX/XX/XXXX I called them again to find out the status and they just said that because the chip was use in the transactions that they will not refund my account, I tried talking to the manager to no avail.

I know that I didnt make these transactions and for them to let anyone use my account and not do anything about it, not even contacting me after the third transaction is unacceptable, also not refunding the money even though I have fraud protection on my account. I am a single mother with XXXX kids and I am trying to make ends meet, this is Capital Ones responsibility to make sure that my account is secure, and I know for a fact that the chip being used can not be an excuse because I have used my chip before and they did not approve the transaction until I approved it over my phone.
Product: Debt collection

I received a notice in the mail from XXXX XXXX to collect a debt on behalf of XXXX XXXX XXXX for Homeowner Insurance in the amount of {$710.00} for coverage from XX/XX/2018 thru XX/XX/2018. However I do not owe XXXX as I had insurance with XXXX  from XX/XX/2018 to current date ( XX/XX/2018 ). I provide XXXX XXXX the notice I received from XXXX along with the email that I sent XXXX Agent XXXX, and a copy of my insurance police. The reason why I sent this information is because the Notice I received from XXXX  stated under IMPORTANT PLEASE READ : You may not owe any earned premium if there was other insurance coverage during this time period. If you had other insurance coverage, please provide proof of coverage to your XXXX agent. Not only that before this even went on my credit or to the debt collection agency I sent the required information to the XXXX Agent to remove the balance. Instead of XXXX XXXX reading the notice, XXXX XXXX sent me back the same information I sent them. This needs to be removed off my credit and debt needs to be cleared as it is not owed.
Product: Bank account or service

I had XXXX dollars on paypal account that was taken out of my account last XXXX. Can you please have the courtesy of resolving this issue by calling me directly and refunding the XXXX dollars I had in my account from a direct transfer service?
Product: Credit reporting

I had an account with XXXX that was opened XXXX/XXXX/XXXX. The account was sold or transferred to SW Credit Systems L.P. and they are reporting the date placed for collection as XXXX/XXXX/XXXX which is making it appear as though I just recently opened this account. I have not lived in Pennsylvania where the account was opened since XXXX XXXX. I disputed the date with XXXX and SW Credit Systems L.P. did not correct the date. I need the date to be corrected to the original date the account was placed for collection which was in XXXX, as soon as possible.
Product: Credit reporting or other personal consumer reports

North Carolina State Employees Credit Union is falsely reporting changes on my report from XXXX. I had a vehicle with XXXX that was stolen on XX/XX/XXXX. XXXX refused to apply my GAP coverage to this vehicle. Yet I continued making payments. The car was originally CHARGED OFF AS PROFIT LOSS. The car was NEVER REPOSSESSED! Prior to the theft each and every payment to the vehicle was made on time and auto drafted from my paycheck along with taxes and other deductions. 

As of XX/XX/XXXX XXXX has updated their reports stating I made payments on a vehicle AFTER it was respossed. This update was made only after I filed a complaint against them to the CFPB. This update on my report is false. The vehicle was not recovered by police until XX/XX/XXXX. At which that time Id made contact with XXXX to inform them after 18 months the car had been found! 

XXXX has yet to respond directly to me and are falsely reporting negative remarks on my report. The car was never repossessed. XXXX never came to physically pick a vehicle up from me. When the car was found after 18 months, they updated the report to a charge-off and the balance of the vehicle reduced on my credit report by over {$10000.00}. This needs to be updated or removed completely. Otherwise, myself and XXXX are about to enter a very egregious lawsuit for breach of contract. I was told by several XXXX reps that my gap coverage would be applied to the car and was also told the car could not be written off as a repo due to it being involved in a long term auto theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One to dispute information on my credit report. There is two things that need updated. They have not updated them with the credit reporting bureaus. I need that updated ASAP. One Capital One credit card should be removed from my credit report as I am no longer an authorized user and the balance should be update on the other one to {$24.00}.
Product: Mortgage

I went to jail XX/XX/2017 while inconserated I wrote them and call to make payment I was behind only 2 months by time I got in touch with them they failed to except payment said they can't take payments after 3months but it was only 2months then forced me in to modify my loan which wasn't my fault it went from over XXXX XXXX to XXXX I sold house and they say I still owe I don't understand how nor did I plus I was paying them up until I sold and they cashed a check that they received
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported incorrect late monthly payments to all credit reporting agencies. It reported incorrect information from XX/XX/2020 to XX/XX/2020. Four out six months were reported incorrectly. I wrote a letter to XXXX XXXX to try to correct the issue and they continue to disagree. I have called and no one says they can help me. I have been trying to resolve this dispute for several months now. Very disappointing in the middle of a pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 When calling the Experian customer service, my credit report is not available to me online and the password reset option does not save the last password I've entered. I was asked for my social security number and they used it to apply for a car loan. The credit reporting service did not assist me in logging in properly, there is no acess online for disputing the added information to my credit report and they have added collections which interfere with my housing. It is causing a trafficking situation.