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

For 8+ years I have banked with PNC as our business banker ( with checking, credit cards, and savings accounts ) as well a another business and personal savings account. On XX/XX/XXXX without notice PNC made the decision to close all accounts associated with me. My business partner who happened to be discussing utilizing some of their products found out by chance that our account had been flagged and when asked for an explanation was transferred to someone who said it was a decision the bank had made and would offer no further explanation. At this time our clients were trying to submit payments into our accounts and had their payments returned. We had no opportunity to use our business account or accept payments any further as the account was closed. 

At the time I checked my other business and personal savings accounts and saw that everything looked normal... It was not until XX/XX/XXXX that I received a text alert that my account was closed and my Balance zero. I immediately went into my local branch where they manager explained all accounts associated to me had been closed, I could not access my funds and there was no explanation why. 

I was given case numbers for all accounts and called on each only to be told the standard script " the bank had made the decision to no longer do business with me and did not need to explain why '' my remaining balance in my accounts would not be available until they processed all payments and then would send me a check in the mail. 

I then went back to branch manager where we have had a 8 year relationship to get further answers and explained the entire process felt discriminatory and I would be considering legal action. He promised to do his best to see if i could get my funds released and would escalate my complaint for further action on Friday XXXX I spoke with XXXX XXXX at XXXX a case manager who again offered no additional explanation for my account closers and said " you cant get your money because you can't '' I have been prevented from operating our businesses, had my money withheld, and given no explanation as to why this action has been taken against me. In 8 years of this banking relationship we have never had any questionable transactions or even requests for refunds. I am a business coach - I am extremely concerned about the reason for this decision and the impact it could have on my future banking as well my reputation with my clients. As an XXXX XXXX this seems like the highest form of discrimination and unjust client exclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXX  {$4800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; 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

It shows a 30 day late payment on my credit report for my Chase credit card on XX/XX/2021. XXXX was set for this account and I was never notified about this late payment. This is materially inaccurate and is causing financial hardship.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX falsely claimed that I rent for renting with them even though I did not rent with them but only started the process and quickly requested to end it when they failed to offer me a pet-free unit. This was even several months before when the lease would go into effect. Nonetheless, NATIONAL CREDIT SYSTEMS reported this debt to XXXX. Before making this complaint, I had reached out to the debt collector with information but did not hear from them. Thereafter, I filed a dispute with XXXX, and they merely did nothing to investigate my complaint. The actions of the debt collector have harmed my chances of renting an apartment because the information has been used against me.
Product: Money transfer, virtual currency, or money service

Family suffered complete loss of home. Insurance sent check which was made out to myself and Well Fargo. We had a home equity loan which had to be paid off, that was why it was made out to both. Sent check to Wells Fargo to have them payoff loan in mid XXXX, haven't seen check since. {$400000.00}.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by following credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year>
Product: Debt collection

I received notification that XXXX collections had been added to my experian credit report, XXXX and huffman on behalf of tempoe LLC, woman at collection agency refused to mail me validation of debt letter and claimed they sent collection notice to email address i havent used for anything besides XXXX in 10 years, checked old email address, did not see any emails from XXXX and huffman or tempoe llc. This is not my debt, and in addition the practices by the collection agency are illegal, she read me the last XXXX of my ssn instead of asking to verfiy it, i could be anybody calling, who would now know my name and the last XXXX of my ssn. 

in addition why would one lender or whoever tempoe llc is sell debt of one person to one collection agency and split it into two accounts and amounts, to gain additional interest and pressure on me to pay because of the extra damage this collection that is not mine will cause my credit score is my assumption.
Product: Mortgage

My dad co-signed my house and he passed away. He is on the mortgage as well as me- his son. They removed my name after it was purchased by NewRez and are trying to contact my dad to verify the info on the mortgage. They keep calling my number but refuse to speak to me. My dad passed away. I sent all the documents to them with a certified copy of the death certificate and all my new info. The deed with the county is in my name only. The mortgage company now change the name to the estate of my dad 's name. This is INCORRECT- nothing to do with the estate. He had his own house I am also managing but not mine. They totally removed me from my mortgage at transfer and have renamed the mortgage. They will not talk to me ; I even sent them the court papers assigning me as executer of the estate. They still will not talk to me or authorize me. This has been going on for 2 years now. The loan was correct originally with XXXX XXXX. I also filled out the successor of the mortgage info. This was going to me properly. There was no problem with XXXX XXXX, just NewRez now that changed everything when it was sold to them.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below 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 or other personal consumer reports

I tried many times to login to my account with Equifax bureau but every time I get a message give us a call toXXXX I called them to open a case #. After a few weeks I got an email that the case was resolved. When I tried to login I still got the same message. Tried many times but nothing. I need to enter my account to freeze it. 
What should I do. To call their customer service line takes many hours!!!! 
Thanks
Product: Checking or savings account

XXXX amount was XXXX Another amount XXXX Last time it was XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the multiple unsuccessful attempts I have made to correct late open account on my credit reports with Experian. Despite my persistent efforts to rectify this issue, these inaccuracies remain unresolved, and they are significantly impacting my creditworthiness and financial standing. I have identified the account on my credit reports with Experian and XXXX that continue to be inaccurately reported as late opening : 1. XXXX XXXX XXXX XXXX Balance : {$4500.00}. I have previously disputed this inaccuracies through the established dispute resolution process, providing supporting documentation and explanations that clearly demonstrate that these accounts were opened on time and have been in good standing. Despite my efforts, I have not received any meaningful response or resolution from Experian. The late open account remain unchanged on my credit reports, negatively affecting my credit score and my ability to secure new credit. I kindly request that you investigate the continued inaccuracies in reporting the opening dates of this account and take the necessary steps to correct them in both Experian credit report. Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and confirm the corrections made in both Experian credit reports. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. Maintaining accurate credit reports is of paramount importance in determining my financial stability and credibility. I am deeply frustrated by the prolonged and unresolved nature of this issue and urge you to prioritize its resolution.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Affirm , Inc. regarding their reporting of inaccurate and misleading information to the credit reporting agencies. Specifically, Affirm has reported the above-mentioned accounts as " charged off '' with written-off amounts, which is erroneous and has caused significant damage to my credit profile. 

Details of the Dispute : Inaccurate Reporting : Affirm , Inc. has reported both accounts [ XXXX ] and [ XXXX ] as " charged off '' with written-off amounts, despite the fact that these accounts were not accurately reflected in my payment history or balance status. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Affirm , Inc. has violated the FCRA by failing to report accurate and complete information to the credit reporting agencies. This has resulted in damage to my credit score and has hindered my ability to obtain credit. 

Failure to Correct Information : Despite my efforts to resolve this issue directly with Affirm , Inc., the company has not taken the necessary steps to correct the inaccurate information. I have disputed this information, but Affirm has failed to adequately investigate or correct the inaccuracies. 

Legal Precedent : According to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 1997 ), creditors are legally obligated to ensure the accuracy of the information they report. Affirms negligence in fulfilling this obligation may make them liable for damages under the FCRA. 

Requested Resolution : I request that the CFPB take the following actions : Immediate Investigation : Initiate an investigation into Affirm, Inc.s practices regarding their reporting to credit agencies. 

Correction of Inaccuracies : Require Affirm to correct the inaccurate information on my credit report immediately. 

Ensure Compliance : Enforce compliance with the FCRA by Affirm , Inc., and ensure that such errors do not occur in the future. 

Compensation : Consider the imposition of penalties and damages against Affirm for the harm caused by their inaccurate reporting. 

Supporting Documents : I have attached a copy of my dispute letter to Affirm , Inc., and a copy of my credit report showing the disputed items. 

Conclusion : The actions of Affirm, Inc. have caused undue stress and financial hardship. I seek the CFPBs assistance in rectifying this situation and ensuring that Affirm complies with federal laws governing credit reporting. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I have worked in XXXX XXXX  since XX/XX/2010 and have been enrolled in income driven repayment plan ever since. I was told throughout the process that had I did not have to submit any paperwork until I reached 10 years of service. Once I submitted by loan forgiveness, they told me had I had 61 one qualifying payments. Not even half over a 10 year span, with the same employer, and same payment plan. The first 3 years are completely missing, then the payment show they were made outside of the payment window. I had automatic withdrawal, verification of payments etc.. I complained to Fed Loan Servicing, who said it would be reviewed. After nothing from them, I submitted a complaint with the ombudsmen, who said sometimes that happens when a new servicer takes over the loan, even if they were made timely. He requested a review. That was months ago. I have since submitted another complaint with My Fed Loans, who again said a review would be completed. Fed Loans will no longer service PSLF as of XXXX, and the rate this is going, no review will be completed either. I am stuck at a job that I can't leave because of someone else 's negligence and can't get any resolution. I have done my part, now it's time for someone to do theirs.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX Reported OnXX/XX/2024 Account Balance {$920.00} : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report my more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Barclays miles and more credit card is charging {$10.00} cash advance fee for a {$30.00} XXXX transaction ripping people off It is supposed to be a 5 % of the transaction instead they have been charging a {$10.00} minimum contrary to the agreement Not sure how many people actually notice this but this seems completely illegal
Product: Credit reporting or other personal consumer reports

I asked all of the credit companies to remove items off of my credit report and all items are still on all three credit reports affecting my life and inability to obtain jobs, houses, and much more. As of XX/XX/ they have not removed the items and are now in violation of the FCRA laws. 
15 U.S. Code 1681n - Civil liability for willful noncompliance The following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following are inquries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  Bankruptcy XXXX XXXX XXXXBankruptcy XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I am requesting reimbursement for the private mortgage insurance payments I remitted to the Servicer as a part of my mortgage. On the following dates : XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, I made a concerted effort to attempt to informally resolve this matter. 

The Servicer responded via e-mail on XX/XX/XXXX & XX/XX/XXXX indicating I do not have any " unearned premium '' which contradicts public law 105-216, XX/XX/XXXX, 112 Statute 897, also known as the Homeowners Protection Act of XXXX which promulgates, " Not later than 45 days after the termination or cancellation of a PMI requirement, ALL unearned premiums for PMI shall be returned to the mortgagor by the Servicer. '' The Servicer is failing to adhere to the federal statute referenced above.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another 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 items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$7500.00}
Product: Bank account or service

Re : Your email dated XXXX/XXXX/XXXX on the Case number : XXXX Dear Sir or Madam : The response provided to you by Bank of America regarding my complaint is completely untrue and, in contrast, proves my claim that the BOA has utterly failed to provide notice in a timely manner before they improperly charged me {$100.00} or more in fees because : 1. one and only notice that the BOA provided to me was too late in that I received it in the mail on XXXX/XXXX/XXXX ; and 2. When I protested such unfair fee charges in person at the XXXX XXXX branch around XXXX XXXX on XXXX/XXXX/XXXX, the guy at the branch told me that I should have acted a lot earlier, which the BOA had made totally impossible for me. 
Again, I request that the BOA refund me any and all charges and be sanctioned properly to protect consumers like me from the same misconduct in future. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XXXX XXXX XXXX, my bank accounts were unexpectedly frozen due to a judgment placed on the accounts by the O & L Law Group. Upon investigation, I discovered that this judgment was based on debt information that does not belong to me. The debt is associated with a name that is not mine, and this situation appears to be a case of fraud. 

Without any prior communication or validation of this debt, O & L Law Group proceeded to garnish my wages and seize funds from my accounts. This action was taken without providing any of the following, which violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) : Validation of the debt as required by law. 
Proper notice regarding the debt and their intent to collect. 
Proof that the debt is indeed associated with me. 
These actions have caused significant financial hardship and emotional distress. I firmly believe that O & L Law Group obtained and used fraudulent or illegally obtained information to pursue this debt collection. Their failure to validate the debt and notify me violates federal consumer protection laws. 

I kindly request that the Federal Trade Commission investigate this matter thoroughly. Additionally, I am seeking assistance in recovering the funds that were unlawfully taken and ensuring that my consumer rights are protected moving forward. 

Thank you for your attention to this serious matter. I am available to provide additional information or answer any questions you may have.