23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I was sent a letter of notice stating that I need to pay my past due payment of XX/XX/XXXX by XX/XX/XXXX to avoid negative reporting to the Credit Bureaus. I had a problem before with XX/XX/XXXX payment because I was unaware of Capital One reporting policy, so I didn't want to get another late on my credit report. 

I made the payment to capital one as always through my checking account on XX/XX/XXXX. It was marked as paid when I checked it the next day. 

( My XXXX, XXXX and XXXX, XXXX credit report didn't show a XXXX, XXXX late payment at all. It wasn't unit XXXX 's credit report update it had showed XXXX late payment, this is the only time I saw that my payment was marked as a late payment. this took 2 months for them to know this. 

I assure you I had done everything right on my end to make this payment on time. I didn't want this to hurt my credit report badly. ( just about everything is automated and very little human intervention is involved. )
Product: Bank account or service

To whom it may concern : I complained to Wells Fargo Bank that I did not receive the service, amenities and destinations that I purchased from XXXX. For this reason, I was disputing the transaction. 

I have received a letter from Wells Fargo bank that my claim # XXXX has been closed. 
On XXXX XXXX, 2016 I emailed Wells Fargo as well as mailed them a letter that the letter they mailed to me stating they closed my claim must be a mistake because they are addressing different concerns in that letter, that do not pertain to my case. 
On XXXX XXXX, 2016 I called to find out if Wells Fargo received my response / concern. Also, I requested the copies of merchants response to the inquiry / my claim. Instead I received the general contract from XXXX that could be printed out from their website or if you call XXXX and ask for the general contract. I received copies from my emails that I sent to Wells Fargo and my charges. In XXXX word, nothing of what I requested. 
On XXXX XXXX, 2016 I called and asked to speak with the manager and was told that XXXX XXXX will be calling me back within 48 hours, however no one called me back. 

I believe Wells Fargo should have a protocol they follow and it was not followed in my case. I have a dispute where I am looking to get my money back and instead Wells Fargo addressing some other issues and not what I am disputing. 
Please look into my situation and address my concerns. 

Thank you
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX  XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have notified XXXX multiple times of these unauthorized inquiries, and they still remain on my report. XXXX refuses to comply with the FCRA and remove these UNAUTHORIZED inquiries on my report. 

PLEASE SEE ATTACHED!!!
Product: Checking or savings account

I pre ordered a iphone using sofi debit card Iphone lost or stolen in transportation I disputed charge with sofi to force a refund sofi refused to give me money back Sofi account managers and staff are extremely rude and disrespectful Constantly hung up on mand actually punished my Constantly reaching out and stonewalled my dispute
Product: Credit reporting or other personal consumer reports

Transunion has violated multiple consumer and FCRA laws by not allowing me to receive an updated credit report as of XX/XX/XXXX and not following through on their response to my Consumer Protection Financial Bureau complaint in XX/XX/XXXX by promising to delete a trade line that is erroneously being reported in my consumer credit report. I am requesting that the CPFB require Transunion to rectify this and delete the tradeline. In addition, I would like an updated copy of my credit report. Transunion states a credit report was mailed XX/XX/XXXX but Ive never received it. Also, the website on XX/XX/XXXX and XX/XX/XXXX isnt allowing me to access my credit report or make a dispute.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian, for the continued reporting of an inaccurate, unverifiable bankruptcy in my credit report. This has negatively impacted my credit profile, even though the reporting is based on improper sources, lacks verification, and violates my privacy rights. I am requesting that the CFPB intervene to enforce the immediate removal of this bankruptcy and all associated accounts from my credit report.

The reporting of this bankruptcy is inaccurate, unsubstantiated, and violates the Fair Credit Reporting Act ( FCRA ), as detailed below : 1. Inaccurate and Unverifiable Reporting ( FCRA 1681e ( b ), 15 U.S.C. 1681c ) - The FCRA requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of reported information. Since courthouses do not directly report bankruptcy information to credit bureaus, the source of this information is unverifiable, and its continued reporting lacks a legitimate basis.

2. Unauthorized Public Dissemination of Private Information ( FCRA 1681b ) - The FCRA stipulates that credit bureaus can report consumer information only with consumer consent or for permissible purposes. I have not authorized any credit bureau to report this bankruptcy, making the current reporting of this information a violation of my privacy rights.

3. Failure to Provide Verification ( FCRA 611 ( a ) and 611 ( a ) ( 7 ) ) I disputed this bankruptcy with each credit bureau. Under FCRA 611 ( a ), credit bureaus are required to investigate within 30 days and delete unverifiable information. FCRA 611 ( a ) ( 7 ) further grants me the right to detailed information regarding the verification, including the name of the source and methodology used. The bureaus failed to provide adequate verification, and this bankruptcy should be removed.

4. Additional Violations and Potential Liability Under 15 U.S.C. 1681 ( a ) ( 4 ), the FCRA protects consumer information to avoid damaging consumers creditworthiness and reputation. Sections 15 U.S.C. 1681n and 1681o outline liabilities for willful or negligent non-compliance with the FCRA. The continued reporting of this bankruptcy is improper and subjects these bureaus to potential liability.

5. Debt Validation Requirement ( 15 U.S.C. 1692g ) If the bankruptcy information was obtained from a debt collector, 15 U.S.C. 1692g requires validation of the debt. If validation has not been provided, the reporting remains unauthorized and unverifiable. Thanks for your help
Product: Checking or savings account

XX/XX/2022 XXXX I drove up to atm deposited {$600.00} into atm machine took money shut down and didnt credit credit or kick money back out. I reported incident immediately to branch and to claims they provide a temporary credit and then took it back saying atm isnt over I asked for video knowing I did this deposit they wont provide all they did was send a still Picture of me in drive through with the money in my hand and still say thats not enough proof Ive been begging and disputing for 3 month bottom Line is XXXX stole my money and wont provide video to show I was actually there I have gotten a XXXX police report against the bank it happened at XXXX XXXX XXXX XXXX XXXXXXXX XXXX They wont give me any video of me in atm and keep denying my Claim they are thieves beware! That atm always has problems and they are aware!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX over 21 times and I realize they have had huge breaches of data as well needlessly to say. My credit has tons of double inquiries and the strange address of where I have never lived. I gave them sufficient evidence and contacted XXXX XXXX XXXX twice to their corporate headquarters to please remove their XXXX, then the XXXX and still no resolution. 
Furthermore, regarding Trans Union, their beyond repairing after thirty five years of doing business with. I paid with auto pay to XXXX XXXX and the insurance company took too much out of my XXXX account after I canceled. They sent me a check for XXXX as well. They caused three over draft fees with my bank, but XXXX waived all of them. I sent Trans Union via certified mail sufficient evidence four times plus regular and they vehemently denied receiving it. I diligently called them as well which shows a strong commitment. 

I am exhausted of hearing people from other countries not caring at all. It's obvious and then they transfer me to start all over again. Trans Union does the exact same thing. I will file separately for this. My credit should be stellar. I have five inquiries for XXXX XXXX XXXX alone. Who the XXXX can't see that the picture is blurred. Enough with people who just don't care. 
Lastly, I sent this XXXX XXXX collection company the same documents and called but since I had to call the department of insurance over them raising my premiums constantly they retaliated against me. XXXX XXXX honest truth. 

Look, I have no reason to lie, I am dealing with the same XXXX XXXX that XXXX XXXX had and I don't have the time to waste and XXXX people. My time is extremely of value. So, calling Trans Union a hundred times really made me livid. I am following up with their headquarters as most importantly they blocked my online access. 

I thank you very much, no really! I mean I thank you for extremely for existence and some justification, otherwise this stuff would never end! It's garbage. 

Respectfully, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I utilized an " Promo Offer Check '' issued by cardmember services for my Visa Credit Card. 

The Check offered a 0 % APR until XXXX of XXXX with a transaction fee. 

There is nothing in the " fine print '' that indicates all business will be charged interest on the lowest interest rate balances first. I used the promo check to make a large purchase. All regular monthly purchases are paid in full each month. 
I made a large payment to cover all regular purchases in addition to applying a portion to my promotional balance. The credit card company applied my entire payment to the promotional balance and charged me interest on the remaining balance. 
I complained that I was duped by a " bait '' promo. Not only did the company get fees from me for the large purchase, but they are charging me interest. 
They said the only way to avoid interest is to not use the card from here on out ( since I always pay my regular balance off in full every month ) and they will eliminate interest fees. 

I can't imagine that I am the only one this has happened to. The credit card representatives could not locate the wording on the promo that would indicate my payments would all go toward the promotional balance and interest applied to the remaining charges. This lack of disclosure is fraud!
Product: Mortgage

I received a letter on XX/XX/XXXX that is deceptive stating that my mortgage rate is expiring - actual quote " Because the rate on your loan will expire ''. My mortgage is an adjustable rate 30 year term originated in XXXX so my rate is not expiring but will reset in XXXX in accordance with my mortgage terms. They also frequently call and email me about refinancing which is harassment because I do not want to refinance at this time.
Product: Checking or savings account

PNC Bank OWES Me. 
CFPB Complaint # 's XXXX and XXXX and now this 3rd Complain on PNC.

# 1-PNC Allowed Fraud on both my accounts, checking and credit.

# 2-PNC did not honor A Stop payment I asked them to Not Pay.

# 3-PNC Did Not Honor All the Disputes I Had to File Because of the Fraud.

# 4-PNC Says It did Nothing wrong and expects Me to Pay Back {$2000.00} Plus, more dollars to satisfy recoveries. With all the fees, all the disputes, the {$700.00} stop payment. The balance would put money back into my new bank account.

And that's why I am now filing this third complaint against PNC bank. Because PNC Recoveries just called me asking for {$2200.00}.

The CFPB did not seem to help me with the case, because of the resolution. Because PNC bank was not held responsible for their errors in banking. Errors in allowing Fraud and errors in not honoring banking processes.

From The 1st complaint to the 5th complaint there has been zero dollars returned.

Complaint # 's 1 & 2 & 5 are complaints against financial institutions.

All 3 closed with nothing done wrong or true complaint and zero returned to me.

Complaint # 3 against the XXXX XXXX XXXX XXXX. 
Closed with nothing returned to me. Call Them Yourself Sir. 
Complaint # 4 against XXXX XXXX XXXXXXXX. 
Closed for me and without my knowledge. 

So, this complaint is against PNC. 
Not The CFPB. I was only reporting what has happened with my complaints at the CFPB. 
I hope that the CFPB Stops PNC bank from asking me for money and or collecting any more money from me and anyone else. Because of the banks own negligence. 
I hope that this CFPB process keeps improving and turns into a benefit for me. 
Thank You CFPB. 

XXXX XXXX
Product: Debt collection

I checked my report for accuracy and saw an account for CREDIT COLLECTION SERVICE for Original creditor : XXXX in the amount of {$98.00}. I was in an XXXX marriage for the last XXXX years. My husband used my name and caused all of the bills to move into collection. The relationship caused me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I finally came forward about the XXXX this year and the XXXX XXXX XXXX XXXX XXXX, and expedited the divorce. I am now on my own and in the process of trying to get XXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX get a job and get my own place. I just started a new job, and now i am trying to get approved for my home. I am requesting deletion of this debt when paid in full. I am ready to start over with my XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting to my credit report and this lender is saying this is not the company. So please remove from my credit report because this is inaccurate information
Product: Credit card

I bought five prepaid credit cards from XXXX as gifts for {$500.00} each. I found out with the first one that there are problems as it didn't work. I tried calling the company from the number on the back but it is very difficult to reach anyone and you just get stuck in a circle. I did find a way to reach a person ( Long story to how ) and they said this was a rare case and unlocked the card. However, it happened again with the next two cards and the last two I was told needed to be replaced and they would send new ones which at the time of this complaint I have not received. There is much more to this and would be happy to follow up but this is a clear scam as they hope receivers of these gift cards will just give up, trying to get information on this company or contacting them is near impossible.
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT THIS MORNING AND I AM STILL SHOCKED WITH IT. THERE ARE STILL INACCURATE ACCOUNTS REPORTING SO PLEASE DO CHECK THE DOCUMENTS I'VE SENT REGARDING THIS IMPORTANT MATTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX and XXXX  keep putting late payments on my credit one account even after I have provided documention that I was never late I disputed these late payments over a numerous of times they will fix it then turn around and put it back on there
Product: Credit reporting or other personal consumer reports

How did you complete your investigation on these accounts listed below? These accounts are not accurate. I have attached XXXX different reports reporting different information. You stated this was verified. How did you verify this information? Account is listed as an Open account on some reports and Debt Buyer on anther. How can this be in collection but yet still be open? I have circled all errors. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Account number XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX. Account number XXXX XXXX Date opened XXXX XXXX, XXXX. Account number XXXX Date opened. XX/XX/XXXX. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I disputed these student loan account. They came back as I COSIGNED them. As a COSIGNER it means I signed a document. It means my SIGNATURE is on the original document. Unless they have proofs of my signature which is impossible since I never co-signed any student loan, I want these accounts to be removed from my credit report.
Product: Credit card or prepaid card

This letter is regarding account XXXX XXXX XXXX, which you claim I opened a store retail account. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit reporting agency has stated that the following accounts XXXX # XXXX first late payment was XX/XX/XXXX and XXXX  # XXXX first late payment was XX/XX/XXXX are accurate and verified after they did an investigation to verify the ALL The information was correct. however these accounts are passed the 7 years allowed for reporting on the credit report and therefore must be deleted. This inaccuracy has caused me to be declined for a new car loan. 
I have attached XXXX response showing that they have deleted BOTH accounts after they did do a proper investigation and I am requesting the this reporting agency do the same immediately.
Product: Debt collection

Received a call from phone number XXXX stating that they were Dynamic Recovery Solutions and I needed to call them at XXXX, I have no debt that is not up to date. I did not return his call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, XXXXx, Transunion ), Bankruptcy chapter XXXX-dismissed Reference XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX XXXX XXXX Account # XXXX ( XXXX, Transunion ), XXXX XXXX XXXXXXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX, Transunion ), XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX Acct XXXX ( XXXX, Transunion, XXXX ), XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX Acct XXXX ( XXXX, Transunion ), XXXX XXXX XXXX XXXX XXXX Acct XXXX ( XXXX ), XXXX XXXX XXXX Acct XXXX ( Transunion ), XXXX Acct XXXX ( Transunion ).
Product: Credit reporting or other personal consumer reports

I did not authorize this companys to run my credit and want The hard inquiries removed
Product: Checking or savings account

On XX/XX/XXXX Monday XXXX I have money transfer from XXXX  XXXX  XXXX dollars that was initiated on a Friday and arrived Monday at XXXX. At XXXX I see a pre authorized charge from XXXX XXXX for XXXX XXXX I hit up my bank instantly & told them I did not authorize this? I hit up XXXX XXXX and they said a bank filed a dispute and took funds from my chime card that was attached on file. I was confused on what happened and see that I was scammed out my money chime took no action and closed my dispute leaving me of an inconvenience of XXXX $ short XXXX XXXX  cant do nothing neither can chime. I dont own a XXXX card Im not a member & dont know when I got hacked for this nonsense never authorized none of these transactions besides the XXXX $ transfer the dispute theyre talking about is from a whole month earlier??? I dont know whats going on