23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Subject : Complaint against PNC Bank regarding unjustified late fees, lack of payment notification, and persistent online banking issues Dear Sir/Madam, I am writing to formally file a complaint against PNC Bank concerning multiple areas of concern, including the mishandling of my credit card payment for the XX/XX/XXXX statement period and the ongoing issues with their online banking system. 

For your reference, I have been a PNC Bank travel credit card holder for over XXXX years, consistently paying my statement balance on time with few exceptions. I made a payment of {$5500.00} over the phone on XX/XX/XXXX, one day before the due date. 
Between XXXX XXXX XXXX XXXX, the PNC 's online banking system displayed the successful payment of the statement balance, leading me to believe that no further action was needed on my end. However, PNC Bank failed to process this payment, resulting in the application of a late fee and interest charges on my account on XX/XX/XXXX. 

Upon contacting PNC Bank, I was informed they couldn't locate the bank account from which the payment was initiated. Notably, I have been using the same XXXX bank account to make my credit card payments every month. Moreover, I've faced recurring problems with the PNC online banking system, which has made online payments impossible. And when initiating payments from an external bank, PNC often takes up to XXXX business days to process, leading to further delays. These ongoing issues were a significant factor in my decision to close my PNC checking account back in XXXX. 

Despite these challenges, what stands out is PNC Bank 's failure to notify me of any issues regarding the phone payment before the due date, preventing a timely resolution on my end. 

After addressing the unpaid balance on XX/XX/XXXX, and escalating the issue to account supervisors at PNC Bank over the phone, I was met with an uncooperative response, and the fees were not reversed. 

While I am personally seeking a resolution to these undue fees and charges, it is my hope that by bringing this to your attention, measures can be put in place to ensure that financial institutions, like PNC Bank, can not impose unwarranted charges on other customers or cause them similar distress in the future. It is essential that banks operate with transparency, efficiency, and a genuine commitment to their customers. 

I trust that the Consumer Financial Protection Bureau will rigorously investigate this matter and ensure fair practices are upheld. I am prepared to provide any additional information or documentation as required and look forward to a satisfactory resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Phone number : XXXX Email : XXXX PNC credit card number : XXXX
Product: Mortgage

Axos Bank is not allowing customers with certain XXXX last names to file an online application for mortgage. See the attached screenshot that says " Last Name contains an invalid person name '' when last names such as XXXX, XXXX, XXXX are entered. A large group of consumers in the Unites States are affected.
Product: Credit reporting or other personal consumer reports

After being made aware that Ive been a victim of data breach as well has stolen identity credit reports indicate negative accounts late payment history and inquiries that Ive not initiated.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX / XXXX 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 a 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, credit repair services, or other personal consumer reports

LAST MONTH TRANSUNION HAD A GLITCH IN THEIR SYSTEM TO WERE ALL THE INQUIRIES WAS DELETED FROM EVERYONE ACCOUNT. HOWEVER I WAS ONE OF THOSE PEOPLE WERE ALL THE FOLLOWING INQUIRIES WERE TAKING OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THEN A WEEK AND HALF GO BY AND THEY ALL JUST POPPED BACK UP ON MY TRANSUNION REPORT CAUSING MY SCORE TO DROP, ME TO GET DENIED FROM LOAN COMPANIES. THEY NEVER SENT OUT ANY LETTER TELLING ME ABOUT THE GLITCH IN THE SYSTEM OR THAT THEY WILL BE RE-ADDING THOSE HITS BACK TO MY REPORT WITHOUT MY PERMISSION. I FIND THIS VERY DISTURBING AND RUDE AND SNEAKY. PLEASE HELP ME
Product: Credit reporting or other personal consumer reports

The following is the only name. address, date of birth, and employer that should be put on my report : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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

Hi XX/XX/XXXX;XX/XX/XXXX ; and TransUnion ; I was actually in the process of reviewing my credit and noticed that there are several incomplete, errors, and variations of my name and addresses and previous addresses. I've attached what I've sent to the credit bureaus many times that i want those previous addresses and unknown names removed from my credit report. Basically, Ilooking at my credit report, I noticed errors with my personal information, misspelledof myactual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries thatI'mnot 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated informationmustbe deletedimmediately from my credit report asthey are not reportable as per theFCRA, since they are inaccurate.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$620.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I checked my credit information with Equifax. After being throughly identified, saw my report, and tried to alert Equifax to the incorrect information. The website will not accept my correction because I submitted, " incorrect characters ''. I checked, double-checked, and had others in the room check my submission. ( There were NO incorrect characters. ) So, I am unable to even alert Equifax there is a problem with my credit report. 

It is so easy for various entities to add information to one 's credit report, but near impossible for the individual to make corrections. I know companies have no incentive to make corrections that negatively impact consumers unless there are specific monetary fines involved in their inaction. Since consumers pay for inaccurate information on their credit reports, how about making credit reporting agencies financially liable for maintaining INACCURATE information, after the consumer attempted to make corrections? 

Equifax does not make their contact information available on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile.
Product: Credit reporting or other personal consumer reports

Recently, on XX/XX/year>, and again on XX/XX/year>, I investigated my credit report and realized several inaccuracies, invalidated and unverifiable items that the 3 major credit bureaus are reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of their reported claims. Their failure to remove these claims violates my consumer rights and is unjust. The credit reporting agencies are either not responding or stating that the information I submitted on the above dates mentioned with my letters was unverifiable. 

Again, there are several inaccuracies still showing on my credit report. In some cases, they have been removed and reinserted, causing me to lose housing opportunities and from obtaining credit. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report, and under 15 U.S.C. 1681e ( b ) and 15 U.S.C 1681i ( 5 ), these accounts violate not reporting 100 % correct.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which is involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to notify you of inappropriate and harassing phone call patterns from Wells Fargo Dealer Services, the outbound collections department. To state that I am frustrated and angry would be a serious understatement. Each month I pay my monthly payment after the due date, but before any 30-day past due period ; included in those payments are extra funds for the purposes of late charges. 
I have previously submitted an online complaint regarding these calls to our work and cell phone numbers ; but, that apparently makes no difference. I am revoking express consent to contact us on either of our cell phone numbers. Please ensure cell phone numbers XXXX and XXXX are removed from Wells Fargo 's system of record. Future calls made to these numbers will be documented. Additionally, please remove the XXXX and XXXX work phone numbers from Wells Fargo 's system of record, as neither of us are allowed to receive phones calls while at work. I am writing to formally request that Wells Fargo Dealer Services take the above noted phone numbers off the outbound collections auto dialer and to only communicate with myself or husband via written correspondence or via our home phone number at XXXX. 

I look forward to reviewing your written response to my concerns and requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have inaccurate accounts, and unauthorized inquiries.
Product: Money transfer, virtual currency, or money service

I sent money to Wells Fargo Account From my Bank of account using XXXX at XX/XX/year> is successful, However I sent another {$3500.00} at XX/XX/XXXX. Wells Fargo Account think it is unauthorized transfer but they don't return money back or give to Well Fargo Account. And Wells Fargo will close account by XX/XX/year> because of this transaction. However the bank still hold the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$11000.00}, {$15000.00}, {$26000.00}, {$6100.00}, {$6200.00}, {$6400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- INSTALLMENT LOANS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$6400.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID-19 I had to close my self Lender account which was a credit repair loan. Prior to closing The account I was asked to provide bank statements which was very strange I was told that I could not close the account until I provided bank statements which was to confirm that I was the account owner I had previously done this once before so at this point I thought it was a violation of my privacy and ask for another means of doing so I was told to mail in a copy of my drivers license which I did. During this process the last payment XXXX was reported as late once I finally was able to get the account close which was the following month they had listed it closed for XXXX although in XXXX I was going through the process of closing the account. I also had a credit card with this company I had never had any late payments listed anytime before COVID-19 Because I was ordered to quarantine for a month and also took care of two family members that had Covid I was unable to work because of the state mandated stay at home order in a mandated quarantine after getting Covid. The account was brought to a XXXX balance but the company still refuses to mark XXXX as the actual close date and remove the late payment off my account even though the account was self funded brought to a XXXX balance and closed out
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

The lender received a loan modification package on XX/XX/XXXX - the docs provided is what the re-entry team at Wells Fargo requested to determine a new review on the file - We continued to follow up with the lender regarding the review - it was not until XX/XX/XXXX that we were advised of additional docs needed for the determination of a review - on XX/XX/XXXX the lender was provided with the requested info needed - we were advised on XX/XX/XXXX that the file had been sent to the second level review and if any docs are missing they will deny because we are in the seven day period and that they will not postpone the sale date. We feel that the lender is not reviewing the file in a timely manor and due to the 2nd level of review that the file is in, the sale date should be postponed for this review due to the Dual Tracking laws and the lenders lack of review and urgency of this file.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX XXXXXXXX Account Number : XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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: Mortgage

XXXX v. Nationstar ( Mr. Cooper ) See Case No.XXXX. XXXX illegally changed the UPB ; violated the terms of the PN and DOT, created and failed to correct flawed accounting, failed to produce the loan transfer dox, assignments etc. CFPB said in a phone call to me they really can't do anything and to get a lawyer. Maybe now, with the changes at the agency, some constructive resolution can be achieved. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for {$1.00} credit report with Experian. Little to my knowledge it was a 7 day free trial. I called and complained and was on hold for over an hour. They were charging me {$21.00} for something I did not need. They only refunde d a one m onth subscription and canceled my membership. When I looked online there are over a  thousand  complaints just like mine. Please put an end to this practice and tell people not to do business with Experian.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
Accounts XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX am writing to delete the incorrect information in my report. Someone stole my information and signed up for things in my name. The items I need deleted are listed in the report. I became a victim of identity theft. I have filled out a report with the federal trade commission also and the reference number is XXXX. I ask that the items be deleted to correct my credit report. It is super overwhelming to have to go through this and would like for this to be deleted ASAP. 
Thank You I demand that the following account be verified or removed immediately : XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

Please remove it from my credit report