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

On XX/XX/XXXX, my manager at work told me someone was calling the store phone for me. Another manager was there and said they were calling up to four times a day. They contacted my workplace, without permission, and consistently harassed me by calling up to 8 times in a four hour period for several weeks prior to this. I called them to inform them that I am letting them repossess my car because I can no longer make regular payments on it. Instead, they kept trying to get me to pay the whole balance and keep a car that doesnt even drive. One Main Financial harassed me over payments and harassed me at my job.
Product: Debt collection

XXXX XXXX called me from Regional Finance. She was looking for a XXXX XXXX and I advised there is nobody by that name. My name is XXXX XXXX. She then proceeded to rudely tell me my payment was due on XX/XX/year>. Keep in mind she did not know who she was speaking to and stated the wrong name twice where I had to proceed to correct her. Did not fully verify she was talking to the correct person where she then started giving me information about this account. I am at work, therefore I stated I would make payment online. Lady got loud and demanded to ask when I would be making this payment. I understand there is processes we have to follow but not with that attitude. I dropped the call. XXXX XXXX then proceeded to return my call to further harass me to where I advised I had dropped the call on purpose. And she knew that, she was just trying to make a statement and harass me in the process. I asked for corporates number where she then proceeded to tell she she did not have to give any number upon request. I wanted to file a formal complaint with their home office. XXXX then stated she would transfer me to her manager where I stated I did not wish to talk to her manager, I needed corporates number to file a formal complaint. She refused to give me the number to the company and yelled across the phone, " XXXX they want to talk to you! '' Dropped call and called office number to get a hold of corporate number. XXXX answered the call once again and continued with same disrespectful attitude. I was left on hold and was hung up with my request not being honored. I did not get to speak to a manager nor was given corporates number to file a formal complaint. XXXX had the time to return my call to harass me and demand a payment where I was not able to obtain any of the information I requested.
Product: Consumer Loan

Purchased a new vehicle XX/XX/XXXX ; First payment due XX/XX/XXXX. Monthly payments {$490.00}. Mailed in 7 mths of pmts with coupons to pay thru XX/XX/XXXX. No issues. In XX/XX/XXXX ( XX/XX/XXXX ) went into a local branch ( branches are not near my home-FYI ) with coupons from XX/XX/XXXX-XX/XX/XXXX to pay 6mths worth of payments. Check {$2900.00} ; 6 pmts. XX/XX/XXXX ( a couple days ago ) received a late notice and late fee for XX/XX/XXXX payment. I called XXXX this morning XX/XX/XXXX to state NOT true paid late XX/XX/XXXX thru XX/XX/XXXX. Had to speak to escalation Manager XXXX XXXX, as no one in customer service seem to understand how to correct. Everyone I spoke including XXXX kept stating my contract does not allow payments to be paid in advance ... .Told her this was not the case as I already did it last year?? ( FYI calls stated they were being recorded so they should be able to pull info ). I allowed my wife to speak to them as she better understands all of this and works on consumers behalf in her line of work. I am lodging complaint for the following : 1. PNC bank does not allow pmt online for my loan unless I open a PNC acct -- THUS taking away my chose to choose. 2. PNC customer service wants to send back over payment instead of applying it properly -- XXXX stated I would have to write separate checks for each payment so that they can apply. 3. XXXX continued to separate PNC customer service from what the branch misapplied as if they are separate institutions. 4. All customer service reps and XXXX who is an escalation manager tried to get me to believe it was my contract that states early payment not allowed when they accepted the payments last year. I asked for a removal of late fees, for this to not hurt my credit as it is excellent and I was forced to accept a payment of {$2400.00} back as she stated they could not apply????? Who does n't want to get paid??? My wife put out several tweets to @ PNC and @ CFPB to get someone to respond. I went to a branch in XXXX Florida and the manager there said he would see what he could do to help. I 'm just not sure why is this not an easy fix? If I could pay online I would have this issue. I should not be forced to write 6 different checks for you to apply 6 pmts??? I pay for these checks and should be able to pay you as legal tender with only one!!
Product: Credit reporting or other personal consumer reports

recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments and inaccurate accounts posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT 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 I was never been late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my acct. If you can not supply this, please DELETE these alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not includeSubject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactory with deletion of the above referenced acount and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 



XXXX XXXX XXXXXXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX Unverified Account U.S. DEPARTMENT OF EDUCATION XXXX Unverified Account U.S. DEPARTMENT OF EDUCATION XXXX Unverified Account U.S. DEPARTMENT OF EDUCATION XXXX Unverified Account U.S. DEPARTMENT OF EDUCATION XXXX Unverified Account U.S. DEPARTMENT OF EDUCATION XXXX Unverified Account U.S. DEPARTMENT OF EDUCATION XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

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

This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX  Account Number XXXX XXXX  This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX, XXXX Phones XXXX XXXX Boxes. Identity Theft Victim XXXX XXXX XXXX XXXX, Identity Theft Victim IRS XXXX XXXX XXXX XXXX XXXX Fraudulent Activity Filed In My Info, Also Social Security Has Been Compromised. 
XXXXXXXX XXXX XXXXXXXX {$600.00} XXXX Stimulus Checks- XXXX
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT ED/XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a FREEZE and a credit report from TransUnion due to fraudulent activity. I was sent a PIN code that did NOT work in their system. They told me to keep trying. After 4 attempts I stopped. PIN never worked through their phone service. I spent over 3 hours on the phone trying to get them to allow me access over the phone. Additionally, they would NOT change, add notes or take any information regarding the fraudulent inquiry on my credit report. First, I spoke to an unknown agent who told me to call Consumer Relations. I asked for her to transfer me and she would NOT transfer me. When I called the number she gave me 4 times, the PIN TransUnion sent me in the letter did not give me access. I called again and when I asked agent for their name they hung up. I called again spoke to Agent XXXX XXXX who said " the PIN works, just tell it to the agent ''. I have always been told and reminded to NEVER give a PIN to someone. I had to tell him the PIN. He said, " it works '' I explained the PIN did NOT work when I punched it in phone system to have access to my account. He told me he could NOT help me with PIN that it worked when I would tell an agent. Regarding fraudulent activity he could not help me. He direct me to file a notice with FTC to remove fraud activity on my credit report. I called back again to address the PIN that TransUnion sent me that does NOT work in their system. I spoke to Agent XXXX XXXX told me to call the police and keep calling back to see if my PIN worked in the phone system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX in XX/XX/2019 about an error reporting on an account in which they replied saying it was verified as correct. I sent another letter pointing out that same error and they replied the same in saying it was right. XXXX  failed to perform an actual investigation but simply mirrored what's already in their system.
Product: Credit reporting or other personal consumer reports

FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT 20 USC 1232g ( b ) The debt in this matter has been cancelled and aside from that I did not give this company authorization to sell or share my personal information with third party creditors or agencies. According to the fair credit reporting Act 15 USC 1681 section 602 ( a ). It states that " there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, and respect for the consumer 's right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " it is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information Aidvantage/Navient is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to who it relates. Aidvantage/Navient the financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX and XXXX. Aidvantage/Navient rather it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Aidvantage/Navient never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency may also 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. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S code 1681s-2 ( A ) ( I ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency shall maintain reasonable cause to believe that the information is inaccurate. 15 U.S code 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designs to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and XXXX do not maintain reasonable procedures. Also 12 CFR 1016.7 States that " A consumer may exercise the right to opt out at any time '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

As of right now the following the companies are reporting income to the XXXX top credit reporting agencies XXXX XXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not part of any of XXXX, XXXX or XXXX credit reports. This needs to stop immediately. According to XXXX 's own web site It states " Your credit history does not include income information. See provided upload. 
And according to the IRS web site publication 525 and 4681 see provided uploads The IRS clearly makes it known that XXXX is to be considered income. And as such income is not a debt and income can not be reported to the credit reporting agencies. Therefore the XXXX ( XXXX ) XXXX 's uploaded along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX, XXXX and XXXX must remove deleted all income from being reported to my credit reports In summary it is abundantly clear by all parties IRS, that cancelled debt XXXX is considered income and according the credit reporting agencies themselves income can not should not and does not get reported to the credit reporting agencies. 
thank you.
Product: Payday loan, title loan, or personal loan

I would like to file a complaint on Republic Finance. The loan was taken out in XXXX. I paid the company up to the amount that I owed, and they took money out of my account. They have a lot of hidden interest rates that exceed the money you borrow. The loan was closed on my credit report and was recently sold to another lender, once I filed my last complaint causing my credit score to decrease. It is now XXXX. The account should be removed from my account.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Portfolio Recovery Associates Account - Account Number : XXXX Dear Portfolio Recovery Associates, I am writing to formally dispute the inaccurate information reported on my credit report regarding the account listed with Portfolio Recovery Associates ( Account Number : XXXX ). 
Reason for Dispute : Inaccurate Account Status : The account is marked as XXXX, despite being closed. According to the Fair Credit Reporting Act ( FCRA ) 605 ( c ), closed accounts should not be reported as still active or ongoing collections. 

Incorrect XXXX XXXX : The reported balance of {$230.00} conflicts with the accounts closed status. Closed accounts should reflect a {$0.00} balance as per FCRA 605 ( a ). 

Incomplete and Inaccurate Payment History : The payment history for the years XXXX and XXXX is incomplete, with no reported payment activity. However, the account continues to reflect a delinquent status, which is misleading for a closed account. This violates FCRA 611 ( a ) requiring accurate and up-to-date reporting. 

Failure to XXXX XXXX : The account status should accurately reflect the closed status, free from any ongoing delinquency or collection status. 

Misleading XXXX XXXX and Account XXXX : The account has not clearly outlined a consistent or accurate credit limit, further exacerbating the confusion regarding the accounts status. 

Demand for Immediate Action : Given these inaccuracies, I am requesting the immediate removal of this Portfolio Recovery Associates account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 611 ( a ), which mandates the correction of inaccurate information.
Product: Checking or savings account

PNC MOBILE Banking has a plethora of issues, including, but not limited to, frequent online banking and mobile app maintenance and down time, issues connecting with third-party companies through Online Banking, issues keeping balances up to date and accurate on checking accounts, and an issue where posted transactions change frequently either adding or subtracting from available balance and causing difficulty managing account and making it easier to overdraft and then get charged several Overdraft fees of {$36.00} each. When confronted with these issues, PNC employees deny any liability for such instances and blame the companies that charge the account, saying that it is their systems and how they bill my account that makes my account so inconsistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage is showing as being in forbearance with Wells Fargo on my credit report. I was never given an explanation of the status. I just went on the website and requested the assistance due to COVID, even though I have continued to make the payments. I called on XX/XX/20 and requested that it be removed from my credit report and it is still showing. 
I want it removed & I want the unscrupulous tactics addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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



XXXX XXXX XXXX Account # XXXX - IDENTITY THEFT XXXX Account # XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Caine & Weiner XXXX XXXX XXXX XXXX XXXX, Ca I find that my consumer file is being irresponsibly tampered with. Over the past " *however long** I have made several attempts to remind you of your duty pursuant 15 USC 1681 XXXX It appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 168fe ( b ) assures that I am due, promised accuracy in my report based on federal law, I am making this call as another attempt to havr these errors corrected on my consumer report. 15 USC 1681 ( A.5 ) says that after the reinvestigations .... all of the unverified information must promptly be removed. You can seghare your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated.