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

This morning I checked my account at PNC Bank and saw a withdrawal of {$100.00}, which I knew nothing about and did not authorize. I called the bank about it and they said that they did the withdrawal and placed the funds in another account that my social security appears on. I AM NOT THE OWNER OF THAT ACCOUNT! That account is owned by by XXXX XXXX, and my name is on there just for oversight. I have NO MONEY, NOT EVEN TO BUY FOOD, because PNC illegally withdrew my money to put into another account I dont own, and which is overdrawn only 17 days! 

The Bank claims they are doing whats within their rights but its not true. The bank exercises collection right AFTER 30 DAYS OF A NEGATIVE BALANCE. That account was overdrawn only 17 DAYS, and does not fall within the time frame for collection activities. 

Also, Ive had transactions coming in on my account before, and didnt have enough money, and the other account had money but PNC have never taken money from that account to pay anything for me, they returned my transactions and charged me fees, so how is it now, that they can take money from my account to that account, when they have never done that when my account couldnt pay transactions??? 

Also, IN THE SPACE OF 17 DAYS, THEY HAVE CHARGED FEES ON THAT SAME ACCOUNT IN THE AMOUNT OF {$240.00}!!!! 

SEVENTEEN DAYS!!! {$240.00}!! Which includes {$7.00} PER DAY EVERYDAY! 

The fees that PNC Bank charges, needs to be investigated! Its robbery!
Product: Checking or savings account

I received a payroll check ( {$620.00} ) from my place of employment on XX/XX/2022. I deposited the check that evening using the Chase app. The check has since been placed on hold, and my checking account locked, locking me out of {$1100.00} plus the check amount. The payments I have made on bills since the second have been revoked, causing my bills to now be overdue. 
I called in to Chase, waiting over an hour to speak to anyone, and finally they told me it was due to not being able to verify information with the paying bank. Their excuse was not having a verified phone number of the issuer of the check. The paying bank, which has already taken the money out of my company 's account and verified all information, has stated that the phone number of my company I provided to Chase is a verified number. Chase refuses to accept it, and has now threatened to close my account and mark the check as a bad check. They already have the money. They have the information they need. This is not my responsibility to validate information for other banks, nor is it my punishment to bear for simply trying to cash a check for hours I worked. Chase is acting with hostility and lack of communication.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX XXXX DATE OF INQUIRY : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called BBT 8 times of the past few months. The month they reported I was late is not correct. The account was setup the month prior at the last payment. I knowingly changed it to auto pay as I had XXXX the following up and did not want to worry about missing a payment. I check my credit and they reported it being late. Furthermore they stated the account is reported on the XXXX, the XXXX at XXXX. I checked the account again and they have failed to report the correct balance. This has gone on for several months and I can not express how frustrated I am. I am a XXXX vet with a very tight budget. I had a few heath issue arise and used them to boost my credit. They are trying to hurt my credit! I have plans on purchasing a new house and land the first of the year and now they have hindered my ability to do so.
Product: Checking or savings account

This is about PNC Bank .. Mobile /online banking. I can not link my bank account to any sory of appl.., other accounts or program using XXXX  for transfers or deposits. It tells me that my bank ( PNC ) has blocked these types of linking fpr accounts.
Product: Checking or savings account

XX/XX/year> I opened a new savings account with Wells Farg called a XXXX XXXX saving account about a year ago. I had a blance of about {$60000.00} and wanted more interest on my monry. I was told about this account new saving account that offere a higher interest rate as long as you kept {$25000.00} in the account. I signed up for the XXXX XXXX  saving account that day. I was receive from $ XXXX $ each month on this new saving ccount. The last XXXX months I received {$1.00} in XXXX and {$1.00} in XXXX. I called and was told Wells Fargo had changed the interest rate. The interest rate was a variable rate now and not a fixed rate like when I signed up. This is exactly what Wells Fargo does. It chages it original agreement so it can keep more of money.
Product: Credit reporting or other personal consumer reports

I have identified that XXXX and Equifax are reporting inaccurate information regarding an account with XXXX XXXX XXXX  on my credit report. This account has been transferred or sold to a collection agency, and, therefore, XXXX XXXXXXXX XXXX no longer owns it. Despite my request with the credit bureaus to re-investigate this account XXXX and Equifax failed to provide within 30 days how they validate the account to be accurate when the last update shown is XX/XX/year>, and XXXX and Equifax have not removed the inaccurate information from my report or furnish information on the account, which is violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : 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 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 THIS IS A FCRA VIOLATION OF : 15 USC 1681B 15 USC 1681N 15 USC 1681Q 15 USC 1681E.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.When I check my credit report there was 2 late payment. 
In the case of XXXX XXXX XXXX, I never late over 6years. 
Actually, my mon XXXX XXXX because of XXXX XXXX, I had to be out of state, I didn't know late payment. ( XX/XX/2020 ) When I call XXXX XXXX XXXX, I canceled the arrears caused by Covid 19.

But I found this late payment wasn't removed.

2.I found 1 late payment of XXXX account almost over 10 years ago.

In my opinion, any record over 7 years ago should be removed.

I paid off this account.

And these 2 accounts remain on my credit report as hard delinquency.

One of the records was waived, the other record was over 10years paid off the account. These accounts that were saved by information and covid 10 years ago still remain on the record.
Product: Debt collection

I was unaware of Perfection Collection having my account of debt they became owners of my debt XX/XX/XXXX. They never mailed me any notices about my debt prior to reporting me to the Credit Bureau on XX/XX/XXXX. Once it was reported to my credit report I became aware that this company Perfection collection had it. This account had been with 2 other debt collectors ( XXXX XXXX and XXXX XXXX ) and i was made aware of those because i was notified in the mail by them in the balance amount of {$3800.00}. Once I saw the company Perfection had my debt on my credit report with a balance of {$4400.00}. Which my debit also was reported on my mothers credit report as well as a joint owner which was false. my mother and I went round and round with Perfection Collection and the original debt holder XXXX that the account was wrong my mom was fraudulently added onto my account. Charges are in the process for the fraud against XXXX and I have an email from the original debt holder that my moms name is to be removed from the account and reported to be fixed on the credit report. That still hasn't been done but during all of this I sent a written dispute to Perfection collection that I didn't agree with the balance owed and to please send my written documentation showing my debt and how the balance has be increased for justification. After several attempts via writing and calls to get this documentation to me for my dispute they have refused to provide the evidence. The ding on my credit will continue to be on my report which I would like to resolve but don't feel comfortable to settle my debt with Perfection Collection till I have the documentation of my debt and the balance increase in writing to me in the mail for my files and justification. I feel this company is violating my consumer rights. Perfection Collection keeps trying to justify their actions by saying they are offering me a 25 % discount of my debt but how am I to know that I am being treated fairly if they will not provide me any documents to justify it all. Perfection also said that i would find the additional charge in my original contract with XXXX i read the contract let them know i couldn't find such wording of additional charges if account goes to collection and any $ amounts. I've asked for them to show me where it is in the contract but have not been shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is the servicer on my Fannie Mae loan. In XXXX I was approved for a 3 month forbearance due to a reduction in my pay as a result of the COVID pandemic. I have completed the forbearance and a modification plan but SLS started reporting my account as 6 months delinquent to the credit bureaus in XXXX and continues to stretch the amount of time it claims my account has been delinquent each moth of the modification. I have paid SLS on time every time required but my credit is now ruined and SLS refuses to rectify the situation. I have called and written them multiple times but keep getting no resolution. I'm quite sure this is not what the Federal government had in mind when they passed FFCRA.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Debt Validation and Action Against Non-Compliance I am writing to formally address the ongoing issue regarding the debt validation process for the account listed under XXXX XXXX XXXX, as detailed in the attached correspondence. Despite numerous requests, the requested debt validation letter has not been provided by your organization. 

I have diligently followed the necessary protocol by sending certified mail to multiple addresses provided by your company, all of which have been received and acknowledged. However, the requested documentation has yet to be provided, contravening legal obligations. 

Furthermore, both XXXX and TransUnion have failed to address my disputes and have neglected to remove the disputed entry from my credit report pending validation. Despite my inquiries, they have been unable to provide evidence of validation by XXXX XXXX XXXX. 

As per the Fair Debt Collection Practices Act and relevant consumer protection statutes, I am entitled to a validation of debt, a bill, and an itemized statement. Until these documents are provided, it is imperative that the disputed entry be expunged from my credit report. 

Failure to comply with legal obligations will necessitate further action, including but not limited to pursuing legal recourse through the appropriate channels. I expect immediate attention to this matter and prompt resolution in accordance with the law. 

Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

Hyundai Capital of America violated Section XXXX  of my XXXX Lease Agreement by unilaterally implementing an increase in my monthly lease payment from {$390.00} to {$390.00}. Section XXXX requires that this increase be approved in writing by me before it can be implemented and this was not done. Further, they threatened to report me to the applicable credit bureaus if I failed to pay this increased amount.
Product: Money transfer, virtual currency, or money service

I already contact Wells Fargo case number XXXX. I need a copy of the check from and back they want the original check. Wells Fargo stopped the check. The state won't release the funds unless it's the original check.So is there a way for Wells Fargo to tell them they don't have the original or do a three way call. I have attached the document
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX  Account Number # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I made a purchase using Klarna and returned the product following the store 's return policy. I provided the necessary proof of return, including the tracking number and confirmation of delivery to the merchant. Despite this, Klarna has refused to accept the return and has closed the dispute without providing a valid reason. 

I contacted Klarna multiple times to request confirmation of the return and the status of the refund. I also asked for the reason why my return was not accepted. However, I have not received a satisfactory response, and Klarna is attempting to charge me for the full amount of the order, which I consider unfair given that I returned the product as instructed. 

I am requesting the intervention of the CFPB to resolve this issue and ensure that I am not held liable for a debt related to a product that I no longer have and properly returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting t wo different amounts of late payments which is in accurate. 15 U.S. Code 1681
Product: Debt collection

On XX/XX/2021 XXXX XXXX/ AMERICAN CREDIT ACCEPTANCE Has reported I owe {$5100.00} which is not true Ive tried to reach out to this financial company about this matter many times over the years because of the fraudulent of this dealership they let any person buy a car in anybodys name the owner threatened me and told me he did not care who maybe bought this car, and that he was an Attorney and would see me in court he said all he wanted was his owed money now this has resulted in collections because the owner was rude to me and would not listen he never sold me this car and didnt want to hear about the misunderstanding So I would like to make a complaint against this company about this matter.
Product: Credit reporting or other personal consumer reports

As I was reviewing my consumer report I came across an account that does not belong to, me I contacted the following companies, XXXX XXXX, XXXX, XXXX, TRANSUNION, along with XXXX. I disputed the account asking for verification of the account. I then received a letter from XXXX XXXX, Transunion, XXXX as well as XXXX, that said the account was verified by the creditor. I then contacted the creditor witch in this case is the UNITED STATES BANKRUPTCY  COURT ... .I then received an answer stating that the UNITED STATES BANKRUPTCY  court does not report or transmit bankruptcy court records or any other information directly to credit reporting agencies. This is un acceptable the credit bureaus are committing FRAUD ...... Placing inaccurate, incomplete erroneous information on my consumer report violating the FAIR CREDIT REPORTINGACT and the FAIR DEBT COLLECTIONS ACT. This information is inaccurate the creditor stated that they did not verify this information making it illegal and a violation of state and federal law to place this account on my consumer report, Please delete this account immediately
Product: Debt collection

On or about XXXX 2016, I received a call from XXXX about my son 's phone bill that was past due by XXXX. I had signed for the phone account. I gave them my sons girlfriends phone number to contact him since they had his phone shut off. I never heard another word from XXXX. I never knew it went unpaid. My son lives in Illinois and I in MS and we do n't talk a lot. I did not know anything about a collection until I checked my annual credit report a few weeks ago. They had my phone number, they could have called me back, they could have said we need you to pay or it will be sent to collection but none of this happened. I was living in Illinois at the time he got the phone trying to take care of him because he has a mental illness but was able to come home shortly after getting the phone account for him. I had my mail forwarded but never received a bill from XXXX. 
I have very good credit and have worked for many years to get it that way. There is no way I would ever let a bill go to collection. I feel like I have been wronged by XXXX. I would have been more than willing to pay the {$300.00} rather than ruin my credit I worked so many years to acquire.
Product: Credit reporting or other personal consumer reports

My payment history has consistent records, but these late payments are not accurate.
Product: Credit reporting or other personal consumer reports

i am writing to formally dispute the negligent non-compliance regarding multiple accounts reported on my credit report. Over the last month, my credit score has been negatively impacted, resulting in a reduction of XXXX points, which I believe is due to errors and non-compliance in the reporting of multiple accounts. 

These accounts, which I do not have specific numbers for, appear to have been inaccurately reported or mishandled, leading to discrepancies that have unfairly lowered my score. It is my understanding that these issues XXXX stem from a failure to adhere to proper credit reporting standards or due to an oversight on your part. 

Given the significant impact this has had on my credit score, I request that a thorough investigation be conducted to review these accounts for any inaccuracies. I believe that the reduction in my credit score is a direct result of these errors, and I respectfully ask that any mistakes be corrected and that my score be adjusted accordingly. 

Although I do not have the specific account details, I am confident that a review of my credit file will reveal the issues in question. Please let me know if further information is required on my end. 

I have attached any relevant documentation, such as recent credit statements and other supporting documents, to assist with this investigation. I kindly request that you complete your review in a timely manner and provide me with the results of your findings, including any actions taken. 

Thank you for your attention to this matter. I look forward to a prompt resolution and correction of these discrepancies.
Product: Checking or savings account

i deposited a check # XXXX by mobile deposit app and it was held due to funds not being avail at the time it went through ( monday XX/XX/XXXX ) since then the funds were made avail to take ( XX/XX/2018 ) then on Thursday ( XX/XX/2018 ) Wells Fargo cashed the check and removed the funds from XXXX XXXX. on Monday ( XX/XX/2018 ) I realized the money was not in my account i then called customer service and waited on hold for 20 min and then finally reached somebody and tried to file a complaint within the company. I was cut off and call never retrurned. Therefore, I would have to start over so i decided to personally go to a local branch and I waited again. The rep for the bank couldnt do anything and I requested a bank manager which never came and after 1 hour i had to go back to work and left still without resolution. So frustrated that I am unable to make my mortgage payment being due on XX/XX/2018 to the same bank who is holding my money even after they have took the funds from the check issued bank. I had a lot of positive feelings this morning when i woke up and since then the day has become very stressful and im losing pay with time being wasted. The bank automated service asks for acct number- last 4 social AND YOUR ATM PIN NUMBER.. I couldnt believe they asked me for that and they said it was OK because their system is secure not realizing the device im using is not. ( cell phone ). I have never been asked for a PIN number that is not directly typed in by me. I have been banking for a long time and you should never give your pin out verbally or digitally without a 100 % full secured connection. The cell phone make it less than secure and they are putting peoples financial info out for grabs. They already ask for your last 4 social because it is incomplete.
Product: Credit card

I disputed an account with Chase with the XXXX major credit bureaus and directly with Chase. The credit bureaus and Chase both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA.
Product: Debt collection

I have received constant calls from national enterprise, over and over again after I told them to please stop contacting me and also cease and desist them through emails and phone calls and they still keep harassing me! 

Email me XX/XX/year> I sent them cease and desist responding back to the email the same day. 

Call me XXXX XXXXcontinuously back to back everyday about a debt that is not mine at and dont belong to me!