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

I opened up a virtual checking account with PNC Bank in XX/XX/2018 online. Everything was fine until XX/XX/2018 when I was charged a {$15.00} service fee. My balance was about {$300.00} at that time and after the service charge fee my balance went down to {$290.00}. I've called customer service on XX/XX/2018 to inquire why I was charged a service fee. I was told that I had to keep at least {$2000.00} in my account to avoid the fee. 

I was not aware of this fee, I was not told I had to keep {$2000.00} in the account, I haven't received any " welcome package '' where it would be disclosed. Even when I was looking inside of my online account for any fees there was nothing disclosed. The disclosure of the fees is quite hidden and only if the account holder is OFFLINE and it is very hard to find. 

This is a deceptive marketing strategy to charge customers with monthly fees. If I knew I had to park {$2000.00} in a checking account ( interest free ) I would never open the account.
Product: Mortgage

My payments are done with the auto payment service provided by MyLoanCare and on XXXX of 2019 the company reversed payments for some months. The payments where made on time and I call the customer service department I'm kept on hold a long time. The person helps me fix the issue and they tell me its good, then I call in a few days later to confirm and the person says again that the problem is still there. 

I maid double payments to avoid getting my credit score damaged but they still keep sending bad information to the credit reporting agencies. 

I have all proofs of payment and I had my accountant review the account and we have a file with all the payments. The second problem is the balance showing on their statement does not match my records.
Product: Credit reporting or other personal consumer reports

I reached out to multiple agents from National Recovery Agency via email and phone regarding an account theyve created from XXXX! However, I contacted XXXX they did their investigation and updated the balance of {$180.00} and sent the updated amount to XXXX XXXX XXXX another collection agency, I sent all documentation to national recovery as I was told to email the documents. A team lead name XXXX XXXX responds to the email stating he will send it over to their client service team and update the balance. Which is incorrect because the updated balance is with another collection company and I stated that via phone twice to 2 different agents which they hung up on me because I stated its nothing they can do with the account anymore! Now XXXX XXXX is ignoring my phone calls and not responding to my emails as I sent over proof that theyre no longer have any account with my information that it was corrected by XXXX and sent to another agency.
Product: Debt collection

Personal information shared with 3rd party reporting agencies without my written or verbal consent.
Product: Debt collection

I called into the ERC XXXX Enhanced Recovery Company ) collection agency on XX/XX/2023 to remove the collection of {$1700.00} because it was due to identity theft and offered to send the identity theft report. They refused to walk me through the steps that were offered through their automated system and also kept insinuating and harassing me that the account was mine. I tried getting this resolved quick and offered the proper information.
Product: Money transfer, virtual currency, or money service

My boyfriend wanted a French bulldog, he found one on  XXXX. I was skeptical but due to the fact his birthday was on XX/XX/XXXX, I gave in. On XX/XX/XXXX I initiated the payment for the French bulldog on Chase XXXX XXXX for {$400.00} then an addition {$200.00}. The price of the dog was {$600.00}. I am a XXXX  and keep cash on me. I had {$400.00} in my bank account and had to go to the ATM to deposit the rest of the funds. Following the payment the seller sent me a tracking number which seemed to look legit however when I called the agency that was supposedly shipping the dog it was a XXXX  number. I told my boyfriend, but he still wanted to follow through. As the dog supposedly had reached XXXX XXXX XXXX airport being flown from XXXX the agency shipping the dog emailed me saying they needed {$550.00} for an AC ventilated crate. The dog could not fly without it and upon the dogs arrival I would be refunded my {$550.00} back. I sent the {$550.00} and have not heard from the agency nor seller. I called the seller numerous times to now figure out he was calling me off of a XXXX XXXX app number. He always answered the phone so Id never heard the voicemail. I went inside the bank report fraud and the bank representative I talked to called the claims department. I was told that XXXX does not have buyers protection so there is no way I can get my money back. The banker still told me to file a claim so its on record and to see what they said. I filed and they talked to the sellers bank but he had already closed the account so they could not recover my funds. I was left with no solution of getting my {$1100.00} back.
Product: Debt collection

In XX/XX/2022 I received a notification that I had a new collections account from I.C. Systems Inc in the amount of {$98.00}. I have never received any communication from this debt collector prior to the information being placed on my credit report. The debt collector is unable to provide me with the original creditor. I do not have any knowledge of any accounts in the amount of {$98.00}.
Product: Mortgage

On XX/XX/2020 I made a mortgage payment of {$750.00} to Dovenmuehle Mortgage, Loan number XXXX By mistake I type XXXX when I opened my XXXX XXXX checking Account and added this loan number to my bill pay. About 3 weeks later a got a notice from Dovenmuehle that my mortgage payment was over due. I pulled up my XXXX XXXX XXXX   account # XXXX and it show it was paid on XX/XX/2020 and it was deducted from my Checking account. Since then I have talked to XXXX XXXX and Dovenmuehle More than 20 times and we even have done 3 way conference call. 5 months later neither bank knows where my {$750.00} went to and they both blame each other and neither we do any thing about getting my money back to me. I had to pay another payment to stay up to date on my payments. I have excellent credit and it almost got put in default because of this. I made a one digit mistake on the loan number and for that I am out {$750.00}. I no that they have to have safeguards that protect this type of thing from happening. I have spent nearly 40 hours of my time on this over a 5 month period and have gotten nowhere. I can not believe that two major banks could let this happen and do nothing about it.I am sick to my stomach over this and I am ready to do every thing I can to under the law to get my money back I make $ XXXX a year and I can not afford this. How does {$750.00} just disappear like its floating around in the air. or some one seen the mistake and stole my money. I have proof of payment and deduction and any thing else you may need. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX SC, XXXX XXXX Dovenmuehle Mortgage XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX Loan Acct. # XXXX XXXX XXXX XXXX Checking Acct #  XXXX
Product: Debt collection

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error -The creditor 's mistake in not accurately showing a payment or credit that the consumer made on their account statement.

-A billing error under the Fair Credit Billing Act ( FCRA ) that is caused by a creditor 's computational or accounting mistake.

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to provide consumers with at least 21 days ' notice before reporting a late payment. Since I did not receive this notice, I am demanding to see hard evidence from the creditor 's bank account that I did not make the required payment and that the late payment was in error. 
I request that the following items on my credit report be updated to reflect that they were paid as agreed. 
XXXX. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. This late payment status is irrelevant XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. This late payment status is irrelevant XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have these accounts on this letter updated immediately. If you do not comply, I will file a lawsuit in small claims court in my city and state seeking monetary damages for your violation of my rights. 

Sincerely, XXXX XXXX XXXX Please see the attached file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXXXX XX/XX/XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint about Equifax, in XXXX, regarding my XXXX Auto loan. They closed my account, it wasn't reporting and my account is very much still open. I currently owe, {$29000.00} on my auto loan. 
After my initial complaint, my account was reopened and reporting again. For some reason, Equifax has closed my account, once again. I need them to reopen my XXXX Auto loan account and stop closing it.
Product: Checking or savings account

Their customer abuse continues this time instead of transfers or pending debits or withdrawals. Its pending deposits which doesnt make sense. I understand it might take a day or two for yall highly incompetent company to take money from a transaction regardless, whether if the merchant has received the money and your double charging or not, instead the issue is Im depositing money into an account with a positive balance, and for whatever reason during business hours you guys are failing to update my balance. This is highly upsetting because I know you guys are doing this, not for business reasons if I make a deposit the following night it should be a lease available the next business morning, this is not even the case with these idiots
Product: Credit reporting, credit repair services, or other personal consumer reports

They have refused to correct my information on all bureaus and in fact merging my consumer with report with similar names and my name is very unique and is not relatable in anyway, PURSUANT TO 15 U.S. Code 1681 - Congressional findings and statement of purpose- ( a ) Accuracy and fairness of credit reporting. 

1. My Accurate legal full name is exactly : XXXX XXXX XXXX. 
I do NOT want any name other than what I listed above to be retained or reported. 
Please delete any other names the ones listed below that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. My Accurate complete mailing address is : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Please delete any other addresses and the ones listed below that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Address ID : XXXX Report numberXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ID : XXXX Report number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Address ID : XXXX Report number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Address ID : XXXX THERE SHOULD BE NO OTHER ADDRESS RETAINED ON MY REPORT! 
3. My Accurate Full Date of Birth is XXXX If any other date of birth is listed other than what was typed above was NOT provided by me and should NOT be retained or reported. If any other date of birth is listed, please delete at once or provide evidentiary PROOF the legal right to retain such information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX will not address the issue at hand in which is 2 documents that in which 1 is not my signature and the other is not legally binding by no notary signature nor which is binding contract nor the instrument is legally binding. XXXX XXXX XXXX XXXX has yet to prove my signature is mines in which any one can tell the document is in fact one person signature.

XXXX XXXX XXXX XXXX keeps sending documents not requested and a lot of documents not requested in chines writing.

XXXX XXXX XXXX XXXX does not Reply to the issues at hand. There is no legally binding contract or Instrument legally binding.
Product: Money transfer, virtual currency, or money service

I used Square ( Block Inc ) as a processing company for my clients. A client paid me {$150.00} 2 weeks ago and they still have the {$140.00} holding as a transfer in my account but they wont transfer to my bank.
Product: Mortgage

My home is in foreclosure from Citi Financial. We want to keep our home but they are not willing to coraperate.They said we can not modify our loan we applied for hardship they said no didnt receive all required information, but i sent it by mail with a receipt of it being mailed.Everytime we call about our loan they have to search for it cuz they cant find it.we have been paying on mortgage for 15 yrs and owe more now than when we took out the mortgage.
Product: Debt collection

I 've been looking into my credit reports daily. Mainly because I 'm tired of being contacted by different companies regarding the same medical bills when I had insurance coverage.They have noverlapping accounts on my credit reports. For example XXXX XXXX ( orginal creditor ) sold my account to COMMONWEALTH FINANCIAL, so why are they both contacting me. And XXXX XXXX XXXX is continuing to attempt collections on dates of service that matches XXXX XXXX along with identical monetary claims. I 've been told by XXXX XXXX XXXX If not paid asap that I would go to jail. They are claiming ammounts of upwards of {$8400.00} for an emergency room visit. They 're are collection 's for services rendered when I was not within XXXX miles of the area. I 've had my state tax returns garnished, then there it is listed on an open account. It 's outrageous that the burden of the proof be on me when companies like these are ruining my credit by using illegal tactics such as fraud, then violating my rights as an American citizen.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account PINNACLE CREDIT SERV XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that PINNACLE CREDIT SERV was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been with XXXX XXXX XXXX  for 10+ years with home mortgage and then had a home equity mortgage for 5+ years. Then in XXXX to XXXX of XXXX XXXX XXXX sold all their home loan businesses to other loan companies. While being with XXXX XXXX I always had a direct withdraw from my account and never had an issue. During this transfer of business my home loan transferred w/o out any problems and the home equity did not transfer at all with specialized loan services. Never rec 'd proper notification or any calls from this new company. Then at the end of XXXX of XXXX I rec 'd a call from XXXX XXXX XXXX rep ( before they totally closed this department ) she explained that they had transferred over my account to a new company and they have not rec 'd any payments- explained that I am on auto-draft and the funds have been in the account and should have been withdrawn - to find out that I needed to contact XXXX XXXX XXXX to set up. Contacted them and got all set up and all of the back month payment caught up. The rep at XXXX XXXX XXXX stated that they would handle this and would not affect my credit since this was a transfer account. Then in XXXX the funds came out for that month. Then in XX/XX/XXXX automatic payments stopped again -- called them back and was explained there was additional charges that were applied to the account and automatic withdraws stop automatically if current on the account. Paid the additional charges and reset up my automatic withdraw from my account. Since then, there has not been any additional issues. 
. 
Reviewed my credit report and found that I rec 'd my first late payment on my account. I have never had a late report on my credit since I started 45 years ago. 
. 
Contacted XXXX XXXX XXXX and requested a review of all the issues that I had during the transition of my account from on bank to another. Rep said that they could remove the 1st late payment from my credit which they have to report after 90 days late - but since this was 5 months late, they were unable to help me. 
They refused to supply me with any of the note documents that were from the XXXX XXXX XXXX  or myself during this transition. 
. 
I got on the site for XXXX XXXX XXXX  to see what documents I could find. Found that the " Welcome Letter '' letter was sent out XX/XX/XXXX. I have been charged for 3 months of late payments prior to their welcome letter. 
. 
No certified letters were ever sent to the home address by XXXX XXXX XXXX or XXXX XXXX XXXX. 
. 
I have requested my file to be reviewed and have been denied for the review. 
. 
I have attached the Welcome letter and my credit report to show this has been my only late report and need assistance for a company that can assist me in my problem or an attorney that may assist me in my situation
Product: Credit reporting or other personal consumer reports

Hi, The XXXX XXXX XXXXXXXX keeps sending a credit card then I call back to close it because it did not request the credit card but its having negative impact on my credit report. Please help.
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there were some things that was not correct. I sent a letter to Experian on XX/XX/year> here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. But it has been more than 35 days, Experian still haven't responded to my letter. That a violation of 15 USC 1681 ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit card

I opened a credit card for XXXX XXXX. As soon as I got the card in the mail I activated it and paid my bill. Shortly after I got a bill for a late fee??? I called the number on my bill. The guy apologized and said he did see a payment and wasn't sure why I got the late fee. That he would be reversing it. I said thank you and thought it was over. The month after that I got a bill for the entire original bill, plus all these late fees since now it is obviously months behind. I called that lady said that the first payment has been returned and I'm responsible for all these fees. I said I will pay whatever I owe IN FULL AND I WANT THE ACCOUNT CLOSED. I paid the full amount, keep in mind one months late fee is XXXX dollars. I got a letter in the mail stating that my account is at XXXX and has been closed. I have once again received another late fee bill for XXXX dollars?! They won't reverse the late fees because 'the account is closed but I will continue to get bills until is paid or it goes to collections '
Product: Credit reporting, credit repair services, or other personal consumer reports

After several unsuccessful attempts during the last 18 months to resolve inaccurate information listed under my name and Social Security Number with Lexis Nexis, on XX/XX/2021, I wrote a formal letter challenging the accuracy of a Bankruptcy Chapter XXXX item in my report along with a letter from California Bankruptcy court indicating they are not the furnisher and original source of the item to Lexis Nexis. 
I certified mail my letter on XX/XX/2021, and as evident in the attached receipt confirmation, they accepted my letter on XX/XX/2021. 
As of XX/XX/2021, I have not received any update on their investigation into this item. I have contacted them 3 times in regard to them investigating this item in my report and their failure to complete their investigation within the permitted 30 days allowed by FCRA, and yet they request to call back the next day or simply hangup when I refer to the permitted time by FCRA to complete their investigation.

Lexis Nexis Risk Solution is clearly in violation of my Fair Credit Reporting rights.