23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PNC BANK N.A . is criminally liable an has willfully and knowing 15 USC 1611 ( 1 ) broke federal laws by unauthorized use of my credit card 15 USC 1602 ( p ) because I never benefited from the consumer credit transaction 15 USC 1602 ( i ) I initiated with PNC BANK N.A . during initial communication it was never disclose that this is an attempt to collect a debt. All shown in exhibits. PNC BANK N.A . has violated federal law 15 USC 1692c ( c ) by calling me after receiving cease and desist through the mail on XX/XX/2020 and receiving a CFPB Complaint portal on XX/XX/2020 admitted to the actions which is a violation of federal law shown in exhibits. PNC BANK N.A . has violated federal law 15 USC 1692b ( 2 ) stating that me the consumer and natural person owes a debt which violates federal law by an agent from PNC BANK N.A . admitted to the actions in writing which is a violation of federal law shown in exhibits. In exhibits shows how PNC BANK N.A . are criminally liable for their action violating 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I am the cardholder 15 USC 1602 ( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. Allowed PNC BANK N.A . to use my Social security card 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Shown in exhibit how PNC BANK N.A . only benefits from the consumer credit transaction by collecting on a debt that is not owed by the consumer natural person.
Product: Debt collection

I got a mail.from XXXX felt and XXXX XXXX XXXX XXXX XXXX XXXX a disputed and removed account stating I authorize a XXXX part to get a credit card on my name which I never authorize, I reported to XXXX XXXX identity theft and the address which statements sent to me by XXXX XXXX an address I don't live and I don't know nothing about the transaction.
Product: Checking or savings account

On XX/XX/XXXX 3 checks cleared my account through US bank and 3 fees due to the merchant for the checks prior bounce. Leaving a positive funds of XXXX. Later on XX/XX/XXXX two electronic payments posted. One for XXXX would of cleared the other for XXXX did not. Of course the bank posted the larger amount causing more overdraft fees because they prey on low income individuals charging enormous fees. When speaking with US bank representatives XXXX and then the manager XXXX  they both said that checks will post to the account first then any Electronic funds. I was charged for 4 overdrafts fees - one for the check fees and the other 3 over draft fees for the electronic fees. I agree there is validity for 2 fees. There is a reverse of one over draft fee on XX/XX/XXXX for a XXXX charge on XXXX which XXXX said there was not a overdraft until I pointed it out ( I dont she was trying to find it ) .the XXXX service was cancelled. Good job there. But if I didnt point it out US bank would of gained another inappropriate overdraft fee. The manager XXXX was rude and short with me on the phone she spoke down to me sounding hostile and I attempted to point out that I had money in the account but I was treated without respect. 

On a different note Now they offer a simple loans ( Or in other words pay day loans ). I applied for but apparently I am over extended and did not qualify for one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute an inquiry which I did not authorize and Equifax did not allow me to dispute the inquiry.
Product: Debt collection

I have XXXX collection accounts with IC Systems on my credit report. I have sent several letters to XXXX disputing these accounts and they have not responded in the allotted 30 days required by law. It looks like these accounts are from an old XXXX account that I previously had but Im not sure because there is no account number to reference. I have reached out to them by phone and online with no results. 

I had to move from my old address at XXXX XXXX XXXX because they tore down the building and at that time I returned all equipment because my new building did not have the XXXX XXXX verse service in the building.
Product: Vehicle loan or lease

I was in a major accident and my vehicle was deemed a total loss. Ultimately the other driver was at fault and their insurance company paid out a large settlement to Global Lending Services. I also had Gap insurance which paid out and a refund should've been processed for the remainder of my extended warranty. This was not done resulting in me having a negative remark on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information and put me, along with 143 million other people at risk for identity theft. I am listed as a potential victim on their website.
Product: Debt collection

On Monday XX/XX/2018 XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I received a call from XXXX XXXX at my job phone number they keep calling me and pranking my job number and my cell phone number I asked them to stop remove my number and if they needed to contact me to send me something in writing I have not received anything and they keep calling me
Product: Money transfer, virtual currency, or money service

Received a text telling me there was a problem with a bank account which I am not a part of. It had 10 ppl connected to the message. It said : CHASE : Were investigating a payment reversal, please confirm it here : Link read XXXX XXXX XXXX I took a screenshot of all 10 numbers attached See attached files
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE : XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$850.00} Closed XXXX/XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX CARD SERVICES Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that  reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I've sent numerous letters to EQUIFAX, XXXX AND XXXX to update an inaccurate and unverified late/missed payment on XX/XX/XXXX they have reporting and each time, they have disregarded. In each letter I requested them to show their investigation process, and they have never showed.I spoke with the furnisher, XXXX  OF XXXX ( XXXX ) XXXX on XX/XX/XXXX and they stated that there is no late/missed payment on XX/XX/XXXX. EQUIFAX, XXXX AND XXXX are deliberately committing fraud by not removing the late payment. EQUIFAX, XXXX AND XXXX have intentionally not done investigations, have not provided the investigation process and not showed investigation process. I require EQUIFAX, XXXX AND XXXX remove the inaccurate and unverified late payment they are reporting.
Product: Debt collection

I sent correspondence about the debt that I allegedly owed. I ask for information to validate the this debt was mines which I never received EVERYTHING REQUESTED in the letter attached.
Product: Debt collection

On XX/XX/2024 I received a call from XXXX XXXX XXXX XXXX XXXX As the executor of my friends estate, I received a letter from XXXX and XXXX stating that there was a {$730.00} debt my friend owed and I needed to pay {$250.00} to settle the debt. I responded that she was deceased and there were no funds to pay this debt. He then said that either I pay it now or it he would contact the court and settle it that way, saying further that as the executor, I would be liable for the full amount. Well. I paid it there and then BUT it felt like something was wrong. I didnt think that could be done yet I paid it because it felt threatening. I have been un say about this for a few days. What happened here? Was I wronged by XXXX?
Product: Vehicle loan or lease

I sent a Notice of Billing Error affidavit and advised the laws they are violating. They stopped calling me and sending me threatening letters. Now the have people watching my home and coming to my door. I have private property notices all over and they still keep trying to come to take what is lawfully mine. The codes I am referring to when it comes to the laws are as follows : XXXX, UCC XXXX XXXX UCC XXXX, UCC XXXX ( b ), XXXX XXXX, UCC XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UCC XXXX. 
I also advised the repayment dept via email that I need them to stop harassing me or I will sue them.
Product: Money transfer, virtual currency, or money service

Use my XXXX XXXX XXXX for family and friends reasons woke up one day and my account was restricted called and was told account will be restored in 48 hours and never did called back and was told it was restricted and I asked why and wasnt giving the information I was needed was told it was confidential. I only use my XXXX XXXX for good reasons to send and receive payments. No explanation is unjustified for me I could understand if it was fraud reasoning or anything that has to do with my identity but was never giving that information. No email stating this reason also. You cant justify fraud or anything negative unless you do a thorough review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts, due to the XXXX Data Breach identity Theft. Each creditor and credit bureau is violating the 81 USC 1028 ( a ), which is aggravated Identity Theft, which I am very disgruntled about. Also, according to FCRA 605 B, this Information must be blocked immediately. Also, in pursuant of 51 USC 1681, B. The credit bureaus by law aren't allowed to furnish anything on a consumers credit report without the consumers Written Consent. XXXX, TransUnion, and XXXX, and each creditor who listed fraudulent information on my credit report is violating the law, and if this is not fixed then you al will be held {$1000.00} per violating. Please comply. The following accounts that are fraudulent are listed below : XXXX XXXX-Account Number : XXXX ( Date Opened : XX/XX/XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( Date Opened : XX/XX/XXXX ), XXXX XXXX- Account Number : XXXX ( Date Opened : XX/XX/XXXX ). Also, 1 Inquiry : XXXX ( Inquiry Date : XX/XX/XXXX ). This is my second time disputing this account information and TransUnion and each of the above creditors are in violating of the laws and if these fraudulent accounts issue on my credit report is not removed within 4 days, according to the law, then I will be taking TransUnion to court and will be filing a lawsuit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX and XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

We already have a pending CFPB complaint that SPS has not responded to. In addition to that complaint, we are having issues with SPS now fabricating problems with our paperwork so that they can further delay our file. XXXX spoke with XXXX says need XXXX, need XXXX - did XXXX and submitted XXXX. XXXX with XXXX on XXXX - she confirmed XXXX and the " additional expenses ''. I sent in XXXX XXXX. Sent 1st lien approval on XXXX - resent to XXXX on XXXX while on the phone with him. No mention of needing XXXX. Sent in updated HUD XXXX due to SPS delays. XXXX with XXXX on XXXX - says still showing opened for a MOD review?! She was escalating the file on XXXX says we will have a reply in 48 hours. Called today - rep acts like there is no ESC, like file has never been sent to Investor and that no docs have been submitted. 

Today the escalations representative XXXX is telling me that they are still missing documents and that there is a pending counter offer. This has already been addressed - so now she says that although we used the SPS form we should have known to insert a signature and date on the pages of the XXXX that do not ask for it. I 'm not sure how we would know to do that or why they would n't put the signature block and date in there if that is what is required. 

I am now on the phone with a supervisor XXXX who says that was the wrong form ( although it was on their web site ) and that he will fax and e-mail me the form needed. That the previous rep was incorrect that we do not need to fabricate a section for a signature.
Product: Checking or savings account

Capital One was late depositing my direct deposit during their outage last week. Prior to my direct deposit I had {$19.00} in my account and when the fixed the issue and my direct deposit was deposited in my account it was only the direct deposit in my account. My {$19.00} was gone. I informed them of the issue and they said there's no record of any transactions of {$19.00} and I said there wouldn't be because I didn't make a {$19.00} transaction and they told me they don't know what to do about it.
Product: Credit card or prepaid card

On XX/XX/XXXX I went on line to pay in full my XX/XX/XXXX Bank of America Mastercard statement bill of {$560.00}. 

By error I must have added 2 zeros and entered the amount {$56000.00}, exactly a hundred times what I owed. I hit pay without realizing my error. I did not get a confirmation of payment, so I assumed that this payment did not go through. 
I therefore paid again, this time the correct amount of {$560.00} and did get confirmation of payment. The payments were withdrawn from my XXXX checking account. 

On checking my XXXX account XXXX I noted that BOFA had taken both the {$56000.00} and {$560.00} payments from my account. I called BOFA and the customer service representative saw that this was an obvious error, spoke to her supervisor, and assured me that the erroneous payment would be wired back to my XXXX account within 2-5 business days. I have not heard further from BOFA on this matter. 

I am surprised that this amount would have even been accepted by BOFA - my maximum credit with BOFA is only {$30000.00}. The computers are programed to recognize any unusual activity to avoid fraud and I do not understand how this excessively large payment would escape detection. 

I am fortunate that I have the resources to have a private banking relationship with XXXX and my banker has allowed my account to remain active and allow me to meet my current obligations. I informed her that I was informed by BOPFA that this error would be corrected within 5 business days which I calculate should have been XX/XX/XXXX because of the XXXX holiday. 

Today XX/XX/XXXX, business days and 14 days later, there has been no resolution of this matter. 

Today XX/XX/XXXX, I placed another call to BOFA and this time the representative informed me that her supervisor stated due to the large amount involved, this erroneous payment needed to referred to a financial committee for review first and this would take another 7-10 business days. I attempted to speak directly to a supervisor twice, but both times the call did not go through with wait times of 20 minutes. The call was terminated by BOFA. 

Federal credit rules state that overpayments of a credit card bill must be returned to the consumer within an ~ 2 week period. I am not getting any cooperation from BOFA. I have an excellent credit rating and have been their customer for ~40 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law. 
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). 
In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. 
Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 
You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
Name of Account Account Number Provide Verification XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account numbers listed below 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 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. These entries are not authorized and incorrect : XXXX XXXX XXXX ( Original Creditor : 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 These entries are inquiries that were not approved and i did not give my consent 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: Bank account or service

This is my fourth complaint on no resolve to my problem with bank of america, I have an unauthorized charge of {$210.00} and they have done nothing to this point to help me. I called both optimum and the bank of america customer service and both treated very nasty. I have since canceled my optimum service. I also wake this morning to service on both of my accounts, and for what reason?! I would n't be negative if the bank would of just refunded my money taken out my account without my consent. They call and I call back the claims dept and nobody ever picks up. I am upset, because I do n't make much and these things like this put me in a hole. Now my accounts are negative - {$14.00} and - {$5.00} this is ridiculous already how this bank just does n't help its customers at all and just keep taking our hard earned money through these shady fees and broken claims process!