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

When attempting to link my bank account to an outside service, such as XXXX XXXX, who uses a debit card service, i am not able to link my bank account in order to fund it due to a PNC policy.
Product: Checking or savings account

PNC Bank has a habit of pending deposit until the time for your overdraft fee has run up so they can charge you a late fee they then allow your deposit to go through into your account but only after theyve charged you a late fee sometimes they will hold the deposit in pending status for a few days and charge you late fees per item they take two or three business days to update their accounts and so there is no way of knowing that youve overdrafted you assume anything thats been purchased with your card is directly withdrawn But it does not show up on your account One example being I have 24 hours to bring my account up to XXXX out of the negative to avoid overdraft fees if I get a XXXX to my account for the exact amount to bring my account to XXXX it stays pending until the clock runs out and they charge me overdraft fees
Product: Mortgage

In early summer 2018 I learned of a foreclosure on my home at XXXX XXXX XXXX XXXX XXXX RI XXXX I contacted both the loan servicer ( Ditech ) and the foreclosing attorney ( XXXX XXXX XXXX ), and was told that it was too late to reinstate the loan, and the auction would proceed as scheduled. 

On XX/XX/2018, the auction was held. The winning bidder was a friend that bid on my behalf, and he placed a {$5000.00} deposit with the auctioneer. 

We attempted to make final payment, complete the auction, and schedule the closing in the weeks following, however on XX/XX/2018, we received a notification from XXXX XXXX XXXX of the following : Hello, I am sorry to inform you but It appears that in light of the new opinion issued by the XXXX  XXXX, the sale held on XX/XX/18 for this loan, will need to be rescinded. Since Rhode Island General Laws Sec. 34-27-3.1 was  previously repealed, no compliant notice was sent prior to foreclosure. We have advised our client of the same and are awaiting instructions regarding return of your deposit. 

Following receipt of this notice, contrary to what XXXX XXXX XXXX told me earlier, we learned we were in fact able to have the loan reinstated. 

We completed that, however we had to pay a number of fees totaling {$3600.00} related to the rescinded auction which was improperly handled by XXXX XXXX XXXX, the foreclosure trustee. We would like the auction fees totaling {$3600.00} removed from the mortgage balance, since the auction was invalid solely through the fault of the foreclosure trustee, not the property owner or the auction winner. 

Following mortgage reinstatement, we attempted to pay off the mortgage per the attached payoff statement from Ditech. A check for {$36000.00} was sent XX/XX/2018 and funds were withdrawn from the issuing account prior to XX/XX/2018, which was before the XX/XX/XXXX deadline mentioned on the payoff notice. To date, these funds have still not been credited to the mortgage account, and during phone calls today Ditech representatives indicated that the check had been returned. This is not correct, a cancelled check copy is attached, and clearly indicates the funds were deposited to Ditech, the check payee. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, RI XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Ca XXXX ( XXXX ) XXXX XX/XX/2023 Dear CFPB, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : FLAGSHIP CREDIT ACCEPTANCE Account : XXXX Amount : {$25000.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency, reports they recived information, from my creditor that my car loan was closed and they was unable to contact consumer ( me ). Creditor XXXX never reported account was closed, up on filling dispute, creditor provided Experian with updated info of account in good standing. Experian refuse to change negative remarks on credit report ... .original creditor XXXX produced actual paper workout detailing their communications with Experian credit agency .
Product: Credit reporting or other personal consumer reports

Your agency has shamelessly dismissed my complaint multiple times, refusing to correct this blatantly late open account from my file. Despite my numerous written requests, your organization callously ignores my communications. By brazenly flouting the Fair Credit Reporting Act, 15 USC Section 1681i, within the legally mandated timeframe, you have displayed a deliberate and conscious disregard for federal statutes. This stubborn refusal to verify the information, despite exhaustive efforts to resolve the matter directly with the creditor, constitutes a flagrant display of willful negligence and an abhorrent lack of compliance. The account, which I have enumerated below, persistently plague my credit report, intensifying the injustice and distress caused by your agency 's inexcusable behavior. This account is open at Equifax Credit Bureaus but lat closed to XXXX and XXXX which was resulted to tied up account : Please help me correct this account at Equifax and remove at XXXX and XXXX Credit Bureaus. XXXX  XXXX XXXX Balance Owed : {$1100.00}.
Product: Checking or savings account

Chase is actively keeping me from making them investigate fraud. 

In XXXX, I mailed a check to my investment advisor and it was stolen in the mail, modified, signed by someone who is not the payee and then Chase bank paid out on the check. As soon as I discovered this, I called Chase. They transferred me to the claims department. They said that they had to mail me a form ( I could not get it any other way ) and return it. They told me that it would take months to do their investigation. So when I received it, I was surprised to see that the cover letter told me that my claim was closed until I filled out the form. I filled out the form, attached the requested documents, faxed and mailed it. 

Chase has refused to acknowledge receipt of my claim materials. I have tried to call twice, and the XXXX claims persons said they could not help. They would not offer an email, said that the number was right and said that they saw my claim number. They refused to give me their names and refused to give me an email to send it to. They told me to go into any Chase bank, talk to the manager, have the manager of a local bank fax it. They refused to give me any bank to go do, and just said " any bank ''. 

How do I get my claim received? Is this bad faith by Chase? Aren't they failing to investigate? Don't they know who cashed it and where? Why are they delaying their investigation? This claim should not be deemed closed at all -- I am actively trying to get their attention. Thank you for any help you can provide to get their attention. 

( p.s. I have attached a redacted set of documents with account numbers removed )
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a car loan using my stolen personal information. I have sent them an abundant amount of information to prove my identity theft claim. They are still trying to say it's a valid account and ruin not only my credit worthy and also pretty much put me in a situation to become homeless. I have applied for over 5 different home loans and have gotten denied to rent or own due to this fraud account. Im so lost at what to do next I feel the next step is to sue this company. They have violated several of my FCRA rights. Whoever opened this fraudulent account, the detective that is working my case believes they know me very personally. I had and still have a fraud alert on my credit that states to contact me before issuing any services or goods and they failed to do that. They have never attempted to call, text or email me anything. I only found out about this account when I tried to apply for my home loan and was denied and I immediately contacted them and sent over all the requested documents. I have sent the information over to them several times. I believe what they are is against the law. Im going to continue to fight for my rights. Its sad that I'm already fighting to regain my identity back and now have to have with this company. I have found out about 37 different accounts that were open and out of all them Im only have problems with two To give advise to any consumer looking to purchase a vehicle or get a credit card STAY AWAY FROM XXXX XXXX XXXX and XXXX XXXX. they will not help you if anything like this happens to you, its very sad.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX & XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Country : United States Email Address : XXXX Phone Number : XXXX Alternate Phone : Contact Preference : E-Mail Institution Information Institution Name : Select Portfolio Servicing , Inc . 
Routing Number : Account/Product Type : XXXX XXXX XXXX   Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Country : United States Email Address : XXXX Phone Number : XXXX Complaint My wife age XXXX & I age XXXX, joint tenants received from SPS, Inc. our requested PAYOFF amount needed to sale our property /We got harassed on the phone & at our front door, with " collection of a debt ''!? The sale offer did not make / SPS, Inc. CANCELLED our on line access LOGIN & our mailed monthly due checks were cashed ELECTRONICALLY / SPS, Inc.  destroyed our many years perfect credit scores with a 30 days late! This is ELDERLY ABUSE from SPS, Inc. taking advantage immediately calling all times of the day, mailing & coming to our front door, with the intention to take over our property fast How can your complaint be satisfactorily addressed? 

Please remove the SPS, Inc. " 30 days late '' on our 3 credit scores XX/XX/2018 Hide additional information for activity type check XXXX ElecCheck XXXX SP Servicing DES : MRTG PMT CHECK # XXXX INDN:XXXX CO ... 
Edit Description activity type check status type icon cleared Cleared. Select to mark activity type check XXXX ElecCheck XXXX SP Servicing DES : MRTG PMT CHECK # XXXX XXXX CO ... as Reconciled XXXX XXXX Type : Check Check # : XXXX ( converted to an electronic transaction by the merchant ) Description : SP Servicing DES : MRTG PMT CHECK #  XXXX INDN:XXXX CO ID : XXXX XXXX Merchant name : get more information about merchant name change SELECT PORTFOLIO SERVICINGSelect to Edit the merchant name Transaction category : get more information about transaction category Home & Utilities : MortgagesSelect to Edit the transaction category No image is available for this check because it was processed by the merchant as an electronic transaction.XXXX Hide additional information for activity type check XXXX ElecCheck XXXX SP Servicing DES : MRTG PMT CHECK # XXXX INDN:XXXX  CO ... 
Edit Description activity type check status type icon cleared Cleared. Select to mark activity type check XXXX ElecCheck XXXX SP Servicing DES : MRTG PMT CHECK # XXXX INDN:XXXX CO ... as Reconciled XXXX XXXX Type : Check Check # : XXXX ( converted to an electronic transaction by the merchant ) Description : SP Servicing DES : MRTG PMT CHECK # XXXX INDN:XXXX CO ID : XXXX XXXX Merchant name : get more information about merchant name change SELECT PORTFOLIO SERVICINGSelect to Edit the merchant name Transaction category : get more information about transaction category Home & Utilities : MortgagesSelect to Edit the transaction category No image is available for this check because it was processed by the merchant as an ele
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a customer.
Product: Debt collection

A charge off is a Certificate of indebtedness which means it is income it must be removed. XXXX XXXX XXXX XXXX is in violation of privacy act 1974, I didnt give XXXX XXXX XXXX XXXX Consent to report my personal information I also dont remember doing any business with this company, do to XXXX XXXX XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as EXPERIAN, XXXX and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions. 
15 U.S.C 6501-15 U.S.C 6505.

433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
Product: Debt collection

In XXXX, I saw a collection account on my credit, it was reported as a {$0.00} out of {$0.00}, which was confusing, so I disputed it, because I remembered the account representative told me the account would be deleted from my credit after I paid it. After I saw it on my XXXX report, I sent the credit bureaus a dispute and since then, I've been living a nightmare. They deleted the account from XXXX, only to reinsert it the following month, only with a balance that I had already paid. They then sent me a full listing of the medical billing information with no HIPPA disclosure, again attempting to collect a debt already paid. The item remains on my credit with a balance today, and they continue to attempt to collect the debt via email and phone calls, even though I paid it, and it was deleted from my credit. I'm sure they are violating all sorts of rights granted to me under the FCRA and FDCPA. Please help me.
Product: Credit card or prepaid card

XXXX Charges on CITI credit card that dates back to 2013. Citi has charged me {$1100.00} to date for a service that was added on to my account without my knowledge. When contacted requesting a statement that shows all the charges by XXXX, the customer service agent said they won't be able to send it to or provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote this company several times about charge off thats on my credit as a credit card claiming monthly payment was made when that is false these are doctor bills that should never been on my credit I have XXXX and XXXX I dont pay for insurance its free and all medical bills are covered on top of that I got a law suit and any medical bills that was left was paid for the credit company failed to investigate they lied and sent a notice stating they investigated when they did not because they would seen that no medical bills should be on my credit this is a violation to hippa rights also I gave nobody permission to release any doctor I seen or any written or verbal right to anyone containing to my medical my lawyer has stepped in because these bills are paid they not supposed to be on my credit at all
Product: Debt collection

On XX/XX/2022 I paid my medical bills in full and the collection agency and the hospital told me they made a mistake and they were going to reverse the hard inquiry on my credit but they never did and I still have a hard inquiry on my credit. I tried to pay the hospital in full but they did not let me and told me to pay their collection agency instead, After this payment I was told that I should have paid the hospital directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  with the account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX account name XXXX XXXX has violated my rights according to 15 usc 1681 section 602 8 states I have a right to privacy 16 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your aacount without my written instructions.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Debt collection

I filed it under the didn't follow it right with my insurance company it pay XXXX my mental XXXX XXXX at that time
Product: Mortgage

XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX instigated a foreclosure action on XX/XX/XXXX. I wrote to XXXX XXXX on XX/XX/XXXX ( copy of letter included here ) because they, as trustee, are not authorized to commence foreclosure proceedings. I also attached a copy of their own published booklet which states that the Trustee does not foreclose - but here they are doing exactly what they say they can't do. I have received no response to my letter.
Product: Credit card

XXXX XXXX closed my XXXX American Express Card for no apparent reason. I use it mostly at grocery stores and XXXX. I pay it in full about every 2 weeks. I have never had a late payment. On XXXX XXXX, I finally reached the XXXX level of XXXX rewards that I was working toward ( because they double in value at this point ), and that is the date they shut the account down and removed all the reward points. They can give me no reason except my " history of account usage. '' I have gone over the account with a fine-toothed comb and can find nothing. I worked to earn those points and abided by their cardmember agreements. The points are worth {$400.00} ( XXXX statement of benefits : Receive a {$400.00} statement credit on eligible XXXX purchases by redeeming XXXX XXXX Points ). It feels like they simply did n't want to honor the rewards I earned. And they do n't even have to give me a reason? Surely there is something that can be done. A statement credit for the {$400.00}? This is n't right. Thank you for any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A Discover card was opened in XXXX, payment history was timely. An unauthorized dispute of the account was opened, however not authorized by the cardholder. Discover automatically closed the account however left the balance without informing me. 

Payments were effected for XXXX and XX/XX/XXXX due to miscommunication and understanding of what was actually occurring with the account. The way and reasons the account was closed should have left no balance. 

After speaking with several representatives to reopen the account as this was not authorized. No success. However I continue to make impeccable payments to the closed account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX i had faxed the deferment form for XXXX payment and i have confirmation of the form being received with no difficulty. When i would call initially and ask about the status of the form i was told it had been received and that it was pending to be approved. 
XXXX payment came around and XXXX ( primary ) also asked for XXXX to be deferred they said they would upload the form on the portal. We signed the form and faxed it back on XX/XX/23 again received with no problems ( i have the fax conformation page. ) At this point we had been told that XXXX had been approved and were waiting on XXXX to go through which took about XXXX business days. At this point XXXX XXXX reported that XXXX payment was late and i was deducted XXXX points from my credit on XX/XX/23. So i disputed and they still flagged the account as past due. They returned XXXX points from the error of the deferment on XX/XX/23. and on XX/XX/23 they deducted XXXX points again marking the account past due for XXXX. During this time XXXX and myself had called them and asked what was going on and they stated they never received XXXX 's deferment form and that they only had XXXX 's form. I explained to them that was incorrect as i was never informed of them not receiving XXXX 's form and that I had the proof they had it. They kept telling me no and that i had to send the form again. So I did, i sent it and they kept saying i was only sending XXXX 's form. The attachment included XXXX and XXXX 's deferment. For a month and half XXXX and i were getting the run around about the form not being uploaded when i had uploaded everything and did my due diligence. ( all calls are recorded when calling them ). At this point they stated they would place the forms with high sense of urgency due to them processing them in XXXX which was 2 months after XXXX and they never stated they did not have the form when i would call. 

XXXX payment came around and it was paid on XX/XX/23 which is within the 10 day grace period but XXXX keeps marking the account past due and on top of that adding late fees for XXXX, XXXX, & XXXX. ( late fees should be removed ) XXXX payment came around and once again it was paid on XX/XX/23 within the 10 day grace period and they are stating it is past due. 

I called XXXX again at this point and asked them for an update on the deferment forms for XXXX, XXXX as well as an update on the reporting back to the credit bureaus the correct information on the account so we could update our credit scores. 
They stated the forms were up to date and everything was correct and that the payments for XXXX and XXXX were there but that it took XXXX days to report back to the credit bureaus. I find this highly unacceptable to have to wait XXXX days as this has been on going since XXXX. When it comes down to reporting incorrect information they are not taking XXXX business day to report it. And I shouldn't have my credit on hold plus my life on pause over their negligence and wrong doing with the forms and not reporting correct information.