23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

multiple letters were sent to national credit systems and request for documentation to validate debt per fcra. I received notification from the credit bureaus stating that the account was verified. I did n't receive proof of investigation for account number XXXX. 
this account has also been on my credit report for 7years which is from my understanding when it should drop from my credit report. do n't know if they have a license to collect in Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint on this website against XXXX XXXX XXXX. The first complaint { XXXX } was issued on XX/XX/XXXX. XXXX   replied on XX/XX/XXXX { case # XXXX } { reference # XXXX } stating they were sorry for their mistake, they were going to have Modification documents sent to me within one week, and they were going to immediately contact all credit reporting agencies to have my false late payments removed from my credit report.

Today is XX/XX/XXXX, XXXX has done nothing. XXXX  is still harrassing me for back payments, they haven't sent me loan modification documents, and my credit is still showing that I'm 90 days late on my mortgage. I've informed XXXX  that I am attempting to purchase a new home, and I need the lateness 's removed. XXXX has assigned me a point of contact by the name of XXXX XXXX XXXX. Mr. XXXX  rarely responds to emails, phone calls, and always indicates the issue of the modification and false credit reporting are out of his hands. He refers me to his supervisor XXXX XXXX. XXXX replies to phone calls and emails even less than Mr. XXXX. The times XXXX  has replied to me, she's made promises to handle escalate the matter to have my modification documents sent to me and fix the credit report, but still nothing is ever done.

If this complaint does not get the issue resolved, I will have to resort to legal action. I will sue for damages, harassment, ruining my credit, and the time it's taken to get this cleared up.

Attached please find XXXX   's response clearly stating this matter would be cleared up within one week, and this was over 3 months ago. Also, I've attached proof of all payments, modification documents, and bank statements showing payments coming out of my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was divorced in XX/XX/2015 and as part of the decree, my ex-spouse was 'awarded ' a credit card balance and account ownership of a closed credit card. While I was originally the primary and sole credit card holder upon initial opening ( I did n't yet know my ex-husband ), legally the debt and account have been updated to be his sole responsibility. However, USAA ( my credit card company ) is unable to legally remove me from the account. I have opened a dispute with XXXX to have the account removed as it is the highest credit impact on my credit score and they have stated they are not able to remove accounts individuals " own ''. Legally, I no longer own the account and can not get the credit reporting company nor my bank to remove me as owner. My ex-spouse has a large amount of debt on top of what he owes on this particular credit card, and as it is not legally my responsibility, I would appreciate the immediate removal from my credit reporting effective the date of divorce.
Product: Checking or savings account

Hello, I am a customer of PNC Bank. I have a checking account and a savings account. The savings account is a Performance Select Premiere Money Market Account. For the month of XX/XX/2023, the bank credited the savings account with an interest of 1 %. However, the interest rate was supposed to be 1.49 % ( 1.5 % APY ). Throughout the month of XX/XX/2023, I checked the PNC website for the interest rates applicable to my account and my XXXX ZIP code ( https : //www.pnc.comXXXX ). 

On XXXX XXXX XXXX, I contacted my local PNC branch to let them know about the issue. On XXXX XXXX XXXX I was able to speak with the branch manager ( XXXX XXXX ). The manager was also surprised that my account was not credited 1.49 % for XX/XX/2023. The manager elevated the issue. 

On XX/XX/, I received a call from PNC retail support. The customer service representative said that I was eligible for a 1 % interest rate because thats what the computer said. On XX/XX/2023, the customer service representative contacted me to let me know that it was impossible to credit interest on a retroactive basis and that I was still eligible for only a 1 % interest rate. 

I realize that the amount at issue is around {$60.00} ( not a huge amount ) ; however, I have spent over 20 years trying to save as much as I can and place it into my savings account. Given the rate of inflation, every dollar counts. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

i was out the country for family emergency and had no use for my credit, now i go to apply for a job and found multiple accounts on my credit i did not sign for... I called the companies asking how they got my info they said from, i asked for proof and they still have not mailed or email... anything with my signature or social. This has kept out of work and unable to support my family
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF first Week in XX/XX/XXXX : I 'm seeing XXXX hard inquires on my credit. They are from a car dealer XXXX XXXX XXXX in XXXX Ohio. They asked if I would cosign as backup for a vehicle for my husband. I specifically refused to fill out the application or to sign ANYTHING until they knew if he needed a cosigner or not. They said they would n't run my credit without my signature, I never did sign or fill out this application and they ran my credit twice. Did not bother to call me either to inform me that my credit was ran. I did n't authorize this. I have retrieved the unsigned form one of the banks got for a credit application. Again this is unsigned and, not filled out by me! The bank stated they get them unsigned often. What good is a signature if they run consumers credit without it and especially without consent? XX/XX/XXXX : Update : So I have been fighting this and have called and gotten the run around each place I call. One of the banks however has been very cooperative where as the other has not. The bank that 's been cooperative ( XXXX XXXX XXXX ) emailed the application form that I did not fill out or sign. They are also going to look into mailing me a letter of dissolution which is what XXXX  said I needed. Second bank ( Columbus Finance ) unwilling to work with ME when they pulled MY info keeps saying for me to call the dealer so I just called and spoke with XXXX. Recorded the phone conversation. I feel he was eager to get me off the phone, said he would call me back, I asked when. He said to give them 10 days. He denies pulling my credit, then when I tell him I had the form I actually did not fill out and it was unsigned he said I gave him my DL which is his way at trying to justify that for a credit pull. seriously?! You provide a DL to test drive not to pull credit. They know they were in the wrong, stumbling on words to get me off the phone. The Credits pulls are from XX/XX/XXXX and XX/XX/XXXX.
Product: Checking or savings account

Since I opened my account with Bank of America my account was good but my problem is the in XX/XX/XXXX my account had a discrepancy of {$11000.00} about with the calculations I did in XX/XX/XXXX I had an ending balance of {$18000.00} which I spent {$7000.00} from XX/XX/XXXX to XX/XX/XXXX than on the XXXX of XX/XX/XXXX I got a email saying my account was insufficient I went to the bank and made the complaint and they said I had spent it so the handed me a statement from XXXX until XXXX for me to check when I did the calculations THE TOTAL SUM OF MY WITHDRAWALS AND SUBTRACTIONS DID NOT MATCH WITH WHAT I HAD REALLY SPENT MY ENDING BALANCE WAS TAKEN AND DISPERSED THROUGHOUT THE WHOLE HISTORY OF MY STATEMENT that I noticed when I added them up and the DICREPANCY IS OF ABOUT {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi placed an order with XXXX for XXXX total, I received a phone call to verify it was me before they shipped it around last of XX/XX/2020. I pass the verification and never mentioned how much I was approved for but on the book they sent me it said XXXX. They have posted on my XXXX   credit report I was approved for XXXX but my order was XXXX. I never receive a credit card nothing with an account number. I never was late and theyve messed up my credit with a 30 day late payment with other damaging information. Im a senior and its hard for me to get out and shop and this account is paid and full and I want it investigated.
Product: Debt collection

Credit acceptance reported to the credit bureau that a debt of {$21000.00} is owed. The debt is not owed by me. First the credit reported it closed, then open. The creditor failed to contact me prior to reporting such derogatory information to the credit bureaus. As such, it failed to follow the Fair Credit Reporting Act. Please delete the item from the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my report today and I noticed some inquiries that I am not aware of as you know reporting inaccurate information on my report is against the FCRA and I asked that it be removed immediately Im trying to do my best with taking care of my girls Inquiries : XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax Equifax Mortgage XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

These are some reports I would like to remove from my report both XXXX  and XXXX. Im a poor hardworking XXXX  and my car got stolen back in LA with all my documents and valuables and I suffered a major loss. Kindly I want assistance in removing all this stuff from my reopening and cleaning it as Im really XXXX  and due to these collections I can not get a place to rent or a 1BR apt . I really appreciate your assistance and cooperation in removing these items from my report and closing my account. Kindly assist me and remove these items from my report as Im already struggling with XXXX  debt and XXXX and unable to get a place an apt 1br to rent as due to these dings and information on my report. I sincerely urge and requesting to remove this and close this information on my report so kindly remove this from my report. My everything got stolen and lost major documents and social so I was struggling making new documents and aswell my car got stolen which the police reports are attached. I sincerely appreciate assistance in contacting these companies and removing from my report as my credit got mishandled.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX CARD XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX TO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have exhausted all efforts in trying to get Equifax to remove some items from my credit report. I have expressed to them in numerous ways that it is due to identity theft, and one of the accounts is a business account not a personal. 

I would like for Equifax to promptly remove these items from my credit report and restore my credit score to its correct value They need to remove the XXXXXXXX XXXX  account and the XXXX XXXX credit card. This is a platinum business card not an individual account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX today XX/XX/XXXX about a balance of {$1300.00} that is reporting on TransUnion and XXXX. I spoke with a representative by the name of XXXX who refused payment and stated, The account was sold on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX because we didnt get our money. I asked XXXX why it is still being reported by credit shop if it was sold and she said she doesnt know, it shouldnt still be reported by XXXX XXXX XXXX and that I could dispute the information with the credit bureaus. I have sent multiple disputes via TransUnion, XXXX and XXXX shop but it keeps coming back verified.This is a direct violation of my rights as a consumer. Per the FCRA, if an account was sold to a collection agency the original creditor should no longer be reporting the balance. I am requesting this account be removed immediately or I will take legal action.
Product: Checking or savings account

My account is frozen with Affirm. Today i received emails stating my account isn't frozen and they lifted the freeze. then I received another email that it's frozen again. I asked the rep if there is a balance on the account, he claims he cant give me any information. claims he is escalating it to a higher authority. 

This escalation has been going on for the last 2 months. 
I believe they have fraudulent activity on my account. 
{$10000.00} of fraudulent and unauthorized activity. Plus they have charged me 3 payments of {$86.00} to the XXXX XXXX cruise line. 

I called XXXXXXXX  they have no such record of this. 

I do not owe them anything..
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is allowing an Illegally operating XXXX XXXX XXXX to submit information to my report. They have allowed XXXX XXXX XXXX to submit a derogatory remark to my file. This is an unverified item from a company that is not even licensed as a legitimate XXXX XXXX XXXX in the State of Texas. According to Section 392. 101 of the Texas Finance Code, it is illegal for a third party collection agency to pursue a debt without being properly licensed and bonded in the state of Texas. XXXX XXXX XXXX is not licensed or bonded in Texas and the proof is attached.
Product: Debt collection

Theres an account listed on my report from credence resource listed on my credit report for XXXX XXXX this is not and has never been my account this is fraudulent. This is my 5thtime disputing this account only to have it removed from my Breaux and sold to another company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Comenity Capital Bank XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

I spoke with a supervisor by phone with Sears today. I asked if I could get a lower interest rate, but they said 25.24 % compound daily is the standard for CCs. I make monthly payments consistently the XXXX week in each on my credit card. My account is due on the XXXX. I pay more than the minimum account due. Only about {$88.00} of my {$200.00} payment reduces the {$4000.00} balance. In order to avoid paying so much interest, I was told to make payments around the XXXX after Sears billing cycle around the XXXX. That way, I will pay XXXX days interest instead of XXXX days interest. I have had this account for XXXX years, and this is why it 's taking such a long time to payoff. According to Sears profile, if this continues, I would have paid them {$13000.00}, for this account. This appears to be a tricky way for Sears to keep me ( consumers ) in debt. The billing cycle date was not significant to me. They scheduled a due date, however, if I pay on the due date I pay more interest, than closer to the billing cycle date. This does not seem fair to me, nor consumer friendly. Thank you for your attention.
Product: Debt collection

Reference back Case : XXXX and XXXX. On XXXX XXXX ,2017 I call customer service stating, I have not receive my XX/XX/XXXX Statement, Which the cycle ended on XX/XX/XXXX. I also complain about my payment due and why it still high calling the automative system. So the customer service person said she will sent another statement out, Now it Saturday XX/XX/XXXX no statement but my neighbor receive her statement on XX/XX/XXXX she have account with Synchrony Bank and live next door. So I really want to know was a statment sent out. My address is still the same from case XXXX. I really do no know why this company is given me a hard time, I just want everything fix and corrected and back to normal.
Product: Debt collection

The debt was owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was paid for on XXXX XXXX, XXXX for the amount of {$170.00}. I was informed that my balance is in XXXX. 

Recently I have been receiving letters from Transworld Systems Inc. indicating that I owe {$190.00}. I contacted XXXX XXXX XXXX XXXX XXXXXXXX XXXX financial department to inform them, and they assured me that they had contacted the company XXXX times to inform them that my balance is XXXX and that I should n't worry. 

I have received a total of three letters so far still trying to collect the amount mentioned above. I would really like them to stop. 

Since it 's the weekend, I ca n't contact them by phone. 

pd. Money Order # : XXXX XXXX {$170.00} / Provide me an email where I could send a fax or email to be able to send proof of all receipts.
Product: Debt collection

An unknown account was reported to my XXXX credit report in the amount of {$1900.00}. As shown on my credit report, an account was opened through XXXX XXXX and sold to a collection agency called Jefferson Capital Syst. From the XXXX credit report, it reflects that the account was reported on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained my consumer report and noticed unauthorized use of my report.
Product: Credit reporting

Tranunion re- inserted XXXX previously deleted information and according to law that within 5 days of re-inserting the company must contact me in which no communication was enacted.I will persue further legal actions if not removed.
Product: Checking or savings account

I was traveling in XXXX, XXXX when my phone was stolen from me. The person who stole my phone took it out of my hands while I was trying to call an XXXX on the side of the street. The person was riding a motor bike at the time, and escaped quickly, never getting off the bike during the entire episode. Unfortunately, the attack was sophisticated. My phone was open when it was taken out of my hands, and the attacker was able to gain access to my gmail and some financial accounts before I was able to suspend the phone line and erase it from my apple ID. The person who stole my phone successfully transferred {$1400.00} ( USD ) from my bank account to another account in an unauthorized transaction using XXXX from inside the PNC mobile banking app. 

I have disputed this transaction twice as an unauthorized electronic transfer. Both disputes were denied. When I called over the phone, they used the fact that I authenticated my account with a text message from my same phone number as evidence that I was using the same device. However, I have received a new device in a timeline which coincides with my account, for which I have insurance claims. I also have evidence showing that my XXXX account was hacked ( recovered ) right before the transfer of funds. I think these two facts alone are sufficient to draw serious doubt around PNC 's conclusion that I authorized the transaction. Why would I recover my own XXXX account to send a zelle payment, and why would it coincide with me suspending service to my new phone and filing an insurance claim that it was stolen and getting a new one. 

The fact that I have a new device is plain and easy to prove. It has the same number because they installed an electronic sim card remotely on my new device with the same number. Having the same number is not sufficient to prove that I was still in control of the same device. 

In the mail I was sent which explains the evidence used to reach the conclusion, two points are stated : " Evidence that the device reported lost or stolen continued to access the account after the login information was changed. '' " Login information confirms authorized user accessed the account. '' Both of these are inconsistent with my account and the electronic evidence I have regarding reporting the phone stolen, filing an insurance claim, and my XXXX account and other electronic accounts being hacked. 

I think it is clear that PNC is intentionally trying obfuscate the fact that they conducted a biased investigation so that they would not have to return the funds to me as is required by the Electronic Fund Transfer Act. They have been exceedingly unhelpful both in allowing me to submit additional information ( which I went to my local branch and pleaded with them to let me do when I filed the second dispute ) and in terms of being transparent about how they reached their conclusion.
Product: Debt collection

BC Services ( XXXX XXXX XXXX, XXXX, CO XXXX ) Is out of compliance trying to garnish my paycheck when they never served me nor contacted me. I have had them remove this garnishment in XXXX  and they are back at it. Multiple offender.
Product: Money transfer, virtual currency, or money service

Transaction date XX/XX/2022 Money transfer with account number incomplete how is posible the now the bank don '' t know were is my XXXX is for the purchase of a land in FL, closing day is today XX/XX/2022 Are bank keep postponing were we going to loose even the posit