23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXXXXXX XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
Product: Credit reporting or other personal consumer reports

This is really frustrating, I don't know why but it has been so long yet you keep on ignoring my requests to correct this on my credit report, it is already deleted by both XXXX and XXXX and blocked from reporting yet you continue to put this false and inaccurate information on my credit. This is a blatant violation of my rights as a consumer which is really insulting and it's stressing me out.
Product: Credit reporting or other personal consumer reports

In disdain of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned accounts are inaccurate and does not reflect the current status of the accounts. I have enclosed supporting documentation that validates the correct information. I am pleased to request that you investigate this matter and remove the inaccurate accounts from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted PNC Bank multiple times one date being XX/XX/year> and XX/XX/year> letting them know that I opt out of them sharing my nonpublic information with non-affiliates like XXXX XXXX XXXX without my permission or consent. They have shared XXXX checking and savings account and XXXX of my transactions from XXXX account and the status. Please see attached documents for reference. This is tarnishing my name, ability to do business with others, causing emotional/mental and spiritual health issues. PNCs privacy policy clearly states that they do not share my information with non-affiliates and that their only affiliates are : PNC Bank XXXX XXXX XXXX  ; PNC Investments , LLC ; PNC XXXX XXXX, XXXX ; PNC XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; PNC Delaware Trust Company ; PNC XXXX  XXXX XXXX ; PNC XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  I sent a letter in regard to unknown and inaccurate items on my credit report. I have yet to receive a response and it has been well over 30 days. I cant help but to feel done wrong because my attempts of reaching out to dispute these items are being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Again, it has been well over 30 days since I have sent in my dispute with no response. I demand that these accounts be deleted immediately, or I will be forced to file for litigation due to the disruption of my everyday living caused by the companies involved. My information was affected by the Experian data breach and could have been used by a random person with ill intentions. They are violation my consumer rights via Inaccurate Information 15USC 1681 ( B ), 15USC 1692 ( g ) ( a ) ( a ) Notice of debt ; contents, In accordance with the Fair Credit Reporting Act this creditor has violated my consumer rights under 15 USC 1681 sec 602 states I have a right to privacy. 
15 USC 1681 Sec 604 ( A ) Sec ( 2 ) it also states a consumer reporting agency can not furnish my accounts without my written instructions.

15 USC 1666 ( B ) a creditor my not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

15USC 1602 ( J ) ( K ) ( J ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. Attachments : Letter to Experian and my identification.
Product: Credit reporting or other personal consumer reports

The company is trying to extort money from me via collection. I have never signed a contract with this company nor have I ever spoke to them about this money. They failed to show me where I signed a contract with them. Plus they failed to verify or validate this amount with me in violation of FCRA.
Product: Checking or savings account

On Monday XX/XX/XXXX, my account went negative by {$68.00}. That same day upon discovery, I deposited {$70.00} to cover the short fall. In checking my balance, I had a positive balance in the account. I was charged a {$36.00} overdraft fee when a POS debit purchase of {$30.00} from XXXX XXXX came in ( that was not reflected in my earlier balance ) but they posted it to my account before the {$100.00} ACH from XXXX which I covered with my deposit. Even though a direct deposit came in at XXXX  ( or XXXX XXXX  on the XX/XX/XXXX ) that covered any and all outstanding amounts, not only was I charged a first fee of {$36.00}, they charged another when other items came through on XX/XX/XXXX that would have been covered if they would not have immediately charged the NSF fee. They also charged another fee earlier in the month on XX/XX/XXXX of {$36.00} when an ACH charge of XXXX took my account negative by {$23.00} but was immediately rectified by a direct deposit of {$52.00} credited at XXXX XXXX on XX/XX/XXXX.  PNC uses their banking system of credits and debits manipulatively in such a way as to create and maximize unnecessary fees. And they charge immediately with little notification so that we can not correct the balance in time of other charges coming in. This is purposefully manipulative.
Product: Checking or savings account

CFPB PLEASE PLEASE INVESTIGATE CHASE BANK AS THEY ARE STEALING MONEY FROM MY ACCOUNT!!!!!! 

my account was negative on onXX/XX/XXXX for {$67.00}. my daughter transferred {$70.00} by their cut off time of XXXX and XXXX XXXX eastern time. the money was in the account by the XXXX XXXX cut off time and per the last cfpb complaint I filed against chase I had the money in the account at the time they had stated. 

today, XX/XX/XXXX I 'm looking at my chase account and they charged me 2x {$34.00}. I am living off a fixed income and can not afford for the bank to cheat and steal my money so much. 

I asked them to reverse it and they came up with pathetic excuses that quick pay is different cut off time. how would the consumers know about their rules and regulations when we do n't work for chase!!!!!! I was told the last supervisor whom I spoke with, XXXX, and she did n't care to reverse the fees. These fees do not belong to me!!!! I followed their instructions on the time to have the money into the account and now they are trying to find another excuse to steal from my account. 

CFPB I am asking you to investigate the practices of chase and to not let them to continue to harass, cheat and steal from hardworking individuals. {$70.00} is a lot of money to pay for fees when the funds were in the account by the cut off time and I had complied with their cutoff times of what they had advised me in the past! 

I forgot to include, I talked to XXXX XXXX, who was a manager and she brought past overdraft fees which are irrelevant to the issue at hand. the issue is whether or not this current overdraft fees should have been assessed and the answer is no. in a court of law if past overdraft fees were presented as evidence to slam the character then it would be denied so what gives this manager the right to include it in assessing the refund of the fees. 

my money was transferred into the account by the cut off time and thats all that they should look at and the fees should be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have 7 days to correct my credit report or I will put a lien on your company with XXXX XXXX XXXX for {$350000.00} for each use of my copyrighted name./property since XXXX. I did not give you written permission to use my name or ANY derivatives of my name, it is Identity theft according to 15USC 6802. Also, late payments are Illegal 15USC16819 ( A ) ( 2 ) ( i ) ( Exclusions ). There should not be any collections on any of my Credit Reports XXXX, TRANSUNION or XXXX, XXXX XXXX, or Any and All Other Credit Reporting Agencies. ALL BILLS ARE PREPAID ACCORDING TO ( XXXX ) All Collection Companies such as XXXX  XXXXXXXX XXXXXXXX ACCOUNT # XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. A Lien will be put on these Companies as well with XXXX XXXX XXXX All these Credit Reporting Agencies and Collection Agencies listed are to CEASE & DESIST remove any and All Balances SUBMITTED AND ALL DEROGATORY INFORMATION AND INCLUDING ALL INQUIRIES AND ALL OLD ADDRESSES/ALL PHONE NUMBERS IN THE NEXT 7 DAYS. ( PLEASE SEE THE COPYRIGHT ATTACHMENT ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, In. ) due to inadequate customer service and unfair practices. Which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. 1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX. You did not con XXXX XXXX XXXX According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair CREDIT REPORTING ACT. Please Remove Immediately. date subjected ( XX/XX/year> )
Product: Mortgage

We have our home mortgage serviced by PenFed Credit Union. As of XX/XX/2021, the institution does not allow members to pay its mortgage payments bi-weekly through either the online portal nor by phone. The online portal only allows for monthly payments and no partial payments which limit you from setting up bi-weekly manually. If you are process the payment by phone, they do not guarantee the correct calculation of interest - the first payment is held in queue until the second payment is made, thus requiring you to accrue additional interest. 

This issue is further exacerbated by the fact that I do not have consumer choice on who services my mortgage - as a result, I am forced to accrue additional interest due to system limitations.
Product: Student loan

I transferred the entire balance of my student loan from XXXX XXXX to another loan provider with lower interest rates. The amount transferred at the time was what showed from XXXX XXXX as the entire balance. Several weeks later I received a message from XXXX indicating that I had a past due payment. When I looked at my account history, I saw that interest was applied AFTER I transferred what I thought was the entire balance ( Largest balance shown in the account ). I thought it was deceptive that XXXX did not readily show the entire balance so that I could find out exactly how much I owed. I now have a late fee applied to my account as well as another payment that I did not anticipate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I XXXX XXXX went to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Asked auto dealership multiple times will this be a soft inquiry to get information on options potentially for a car in the future. The representative for this dealership on multiple occasions stated that it will not do a hard inquiry on my credit score. I never authorized any hard inquiries for a credit check nor signed any documents to allow this to happen. The moment this inquiry, which was suppose to be a soft one on my credit report to see my options, was applied. My credit application notified me that there were 4 hard inquiries pulled on my credit report which dropped my XXXX credit score 11 points. I never authorized this nor, signed anything to authorize these hard inquires. I am in the market of purchasing a home and this greatly effects my chances of achieving my goal of purchasing a home that I wish to do as soon as possible. Therefore I am requesting the following Hard inquires to be removed immediately from my credit report : 1. XXXX XXXX XXXX ( Auto financing ) inquiry from XX/XX/2018 2. XXXX ( Auto Financing ) inquiry from XX/XX/2018 3. XXXX ( Miscellaneous Reptg. Agencies ) inquiry from XX/XX/2018 4. XXXX XXXX XXXX   ( Auto financing ) inquiry from XX/XX/2018
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Deletion of All Negative Accounts Due to Equifax Data Breach Dear XXXX XXXX My name is XXXX XXXX XXXX and I am writing to formally request the immediate deletion of all negative accounts from my credit report. My personal information, including my social security number ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), was illegally sold and bought as a result of the Equifax data breach. Enclosed with this letter is proof from Equifax confirming that I was indeed a victim of this breach. 

Despite Equifaxs admission of my victim status, no action has been taken to address the fraudulent activities on my credit report. These accounts were opened without my consent and are affecting my credit score and financial reputation. Therefore, I demand that all negative accounts be removed from my credit reports immediately. 

Below is a list of the negative accounts that appear on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I urge you to take immediate action to investigate and remove these fraudulent accounts from my credit report to rectify this situation and prevent further damage to my financial health. 

Thank you for your prompt attention to this matter. Please confirm the deletion of these accounts in writing at your earliest convenience. I have attached proof that I was a victim to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was tricked by a caller who told me he was from Bank of America and he was confirming an upcoming XXXX transfer. He knew all of my personal information as well as account information. He told me he'd help me to protect my money before the transfer, then went on to help me transfer {$10000.00} out of my account to his. This is a well known XXXX scam. Bank of America has paid back others for this. I wrote to Bank of America and called several times only to be turned down for a refund for the {$10000.00}. I am a small business owner and this was my business account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX, Transunion, XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. 



In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ( XXXX XXXX XXXX )... ( XXXX XXXX ) has violated my rights NUMEROUS of times. 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

I Demand These Accounts Be Removed From My Credit Report Listed Below. 

XXXX XXXX XXXX XXXX. XXXX XXXX.
Product: Mortgage

I AM TRYING TO OBTAIN A MORTGAGE MODIFICATION FROM TCF BANK. MY INTEREST RATE IS 9.8 %. I AM IN A PREDATORY LOAN. MY PAYMENT THAT I CAN BARELY AFFORD IS INTEREST ONLY AT {$1800.00} MONTHLY PLUS TAXES AND INSURANCE TOTALING {$560.00}. I WILL NEVER OWN MY HOME BECAUSE I WAS TRICKED INTO A LOAN THAT I DID N'T UNDERSTAND. I CONTACTED A LAW WELL KNOWN AND RESPECTED LAW FIRM TO ASSIST ME IN OBTAINING A MODIFICATION AND LOWER INTEREST RATE. THE LAW FIRM ADVISED ME THAT TCF 'S GUIDE LINES ARE EXTREME FOR MODIFICATION AND UNLESS GOVERNMENT INTERVENES THEY WO N'T MODIFY MY MORTGAGE. TCF 'S GUIDE LINES FOR MODIFICATION ARE AS FOLLOWS : ALL RESTRUCTURES WILL BE DENIED FOR ANY OF THE FOLLOWING REASONS :. CREDIT SCORE BELOW XXXX, MORTGAGE IS MORE THAN 120 DAYS PAST DUE, TOTAL DEBT TO INCOME RATIO OVER 50 % AFTER RESTRUCTURE AND IF THE MORTGAGE WAS N'T REAFFIRMED IN A CHAPTER XXXX BANKRUPTCY. MY CREDIT SCORE IS BELOW XXXX AND I AM MORE THAN 120 DAYS PAST DUE. TCF TOOK ADVANTAGE OF ME BECAUSE I AM A XXXX YEAR OLD ELDERLY XXXX WOMAN, I CA N'T AFFORD 9.8 % AND I FOUND OUT THAT MY MORTGAGE PAYMENT OF {$1800.00} EXCLUDING TAXES AND INSURANCE IS INTEREST ONLY WITH NOTHING GOING TOWARDS PRINCIPAL REDUCTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I simply would like to remove the freeze placed on my account. I have attempted to do so online to no avail, therefore I contacted Experian via phone and each time, the call was disconnected. 

I am unable to utilize my credit due to a lack of unavailability on their part. It is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, AND XXXX ARE STILL REPORTING FRAUDULENT ACCOUNT INFORMATION IN MY NAME. THE FRAUDULENT ACCOUNTS ARE ( XXXX  XXXX / XXXX XXXX, XXXX XXXX, XXXX XXXX, AND TAX LIEN PUBLIC RECORDS FRAUDULENT INQUIRIES XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting

EQUIFAX employees/resolution supervisor " XXXX '' Id # XXXX informed me along with other reps. that EQUIFAX will not and does not comply to federal rules/regulations and laws pertaining to the Fair Credit Report Act under Section 609 ( A ). In which in my case would suffice as proof and verification that debt is being reported inaccurate on my report. Currently creditors- XXXX acc # XXXX. I requested that EQUIFAX per the FCRA 609 verify through physical verification of the original signed certified consumer contract of any the account. In addition I supported a paid in full letter from the collection agency that collects for XXXXXXXX ( the creditor ) has advised me that they have incorrect information reporting on my file due to a glitch in their system that interchanges data with the credit bureau EQUIFAX system. Therefore in accurate information continues to reports until they can fix the issue etc. However Equifax refusal to verify this information physically would clear the issue up but EQUIFAX is stating they only verify electronically and they are not require to verify the information physically nor comply with the FCRA SECTION 609 law per my right as the consumer .They are stating the in accurate information via electronic interchange is correct ( when its not ). I am asking that EQUIFAX comply with this LAW per my written request dated XX/XX/2017 but denied XX/XX/2017 per documents attached .I am requesting that EQUIFAX request for the accurate information to report and comply with the lase, in the case information not reported to please delete from my credit report as the law complies. In addition XXXX needs to comply and provide correct reporting information to the EQUIFAX as well or EQUIFAX must removed it from my report completely. The response EQUIFAX provided me with is not physical verification of the debt amount due to XXXX has communicated that the information via electronic is a glitch. Therefore physical documentation is needed at this time in order to accurately report this information in which EQUIFAX refuses to comply with.