23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX still has not provided the items required and requested by myself and an attorney. Attached is a letter sent to them. They provided limited information. The information they did provide showed that there were no calls or activity on any phone line after XX/XX/2021. I have provided them and all three of my credit bureaus including the copb proof that I had all three phone numbers on another cell phone carrier. How can I have two cell phone carriers? That's impossible per the FTC. The collection company has failed to realize that XXXX continued to charge me for one of the phone numbers on the account for several months. This has been made very clear to the cfpb all three credit bureaus and this collection company in black and white with bills. They have failed to provide me all the information on the validation letter which I will also attach to this. The cfpb and the credit bureaus need to do their job and read the documentation that I have sent certified mail to everyone. The only amount owed is {$68.00} for a phone. That is it. There is also an issue with XXXX not even having the right information on the credit report. They were also sent letters that showed the item has to be very clear and listed in dispute on my credit report. They were all sent certified letters. XXXX for example doesn't even have an amount listed. I have provided information for that as well. The cfpb needs to read these complaints and documentation
Product: Debt collection

This company is asking for money that is not owed. I never had a sprint. I do not know where this is coming from. My guess is identity theft. XXXX was contacting me and I told them the same thing. Again I deny this debt.
Product: Checking or savings account

There are XXXX overdraft fees on my account due to a XXXX charge of {$5.00} that is set up via XXXX that should have used my XXXX balance instead of this funding source ( which I currently have a dispute ). There is also a XXXX charge of {$45.00} that was supposed to be paid in cash but when the cashier scanned my XXXX XXXX XXXX she said it automatically charged the XXXX  debit card that is linked to my bank account. I called PNC Customer Service today and I was advised that the fees could not be waived because service fees had been previously waived. The rep was only able to tell me that the service fees were from XX/XX/2018, however, I had issued with my account during that time and I was advised that the free checking had been switched over to a monthly fee checking acct. The representative advised the monthly charges would be waived and my acct was switched back over to a free acct at no fault of mine. The XXXX overdraft fees have caused my acct to go further in the negative. Please refund the XXXX overdraft fees totaling {$72.00}.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

Ive had an account with Cash App many years, I am disputing a transaction for {$600.00} and I was waiting for incredible to credit back my account so it was overdrawn pending a result. 

I XX/XX/XXXX I received {$1000.00} from another Cash App user that was sent to me by mistake. He immediately disputed the charge stated it was not intended for me. He immediately requested a refund, However I could not process a full refund as he requested me to Even though the monies will not intended for me as the recipient. He has contact me numerous times requesting that I reversed The transaction as I did not have authorization to accept. 

I contacted Cash App to have them reverse the process as I do not want to take part in receiving or being involved in the fraudulent transactions that were not authorized. They simply denied it even though their policies state that they do not partake in the mis-use of Inappropriate funds.
Product: Checking or savings account

On the afternoon of XX/XX/2023 I recieved a call from a person impersonating Regions Bank saying that my credit card had been hacked and we need to shut the card down. When speaking to this person they had all of my banking information and personal information, and they asked me to verify so we could deactivate the card, so I did. Once this person was able to access my account, they made XXXX XXXX payments out of my account for {$17000.00}, {$39000.00}, and {$42000.00}. I learned about this on the morning of XX/XX/XXXX simply because when i arrived at work my employee notified me that my phone number had been hacked. I found out that when i was speaking with the person impersonating the bank that they had somehow activated my call forwarding and all of my phone calls were going to that person. As soon as I realized the last person who had called me was from the bank, I checked my account and noticed these transactions and immediately called the bank to get them stopped. I spoke with the fraud department at the bank, and they assured me that they would have this resolved in a matter of a few days and that no other action was needed on my part including no need for a police report. After checking on my account multiple times a day for the next few days and not seeing my funds returned i went to the branch and spoke with them in person on XX/XX/XXXX. When I was at the branch the lady pulled up on her computer that my funds were not there, and the reversal of the transactions just came in that morning and that they had not showed up as of Saturday XX/XX/XXXX, she was not sure why they hadn't showed the reversal before that time but she just brushed it off and said that we should be in good shape now since it was showing there. After meeting with the bank in person a couple weeks had gone by and then i was called by the branch manager and i was told that I needed to get a police report filed because they are now classifying it as an identity theft case. I was angry with him because i had asked on the first day of learning about the incident and i was assured that I did not need to file once because they handle these things in house and i would be taken care of. I immediately went to the sheriff 's department and filed a report on June 26,2023. Since then, we have filed a subpoena for all of the information from Regions Bank and they were to reply within 15 days, on day XXXX they asked for a XXXX extension and the prosecutor granted that. that extension. That extrension came and went and it was a little over 2 months before they provided the information and once we had it the information requested was not in the subpoena.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already disputed this accounts with the credit bureaus. XXXX  has already disputed them I don't know why XXXX  and Equifax havent. However, these are fradulent accounts and they need to be deleted from my credit reports immediately. 
I am a victim of the Equifax data breach and I don't know who could've gotten a hold of my information. Please delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

I am formally disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that these accounts are corrected to accurately reflect the payments and that any erroneous information is rectified promptly. In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable time-frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. Please have these accounts UPDATED and CORRECTED for once : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters to Harley Davidson and XXXX XXXX requesting that they update my credit report. Both companies are falsely reporting my account as 90 days late even though both accounts were paid in full in XX/XX/XXXX. By not properly reporting the accounts as current or closed ( as all other companies do ) they are  affecting the algorithms which cause a negative effect on my credit scores. If they believe that I was late, that is reported in the history. Harley Davidson is still reporting this account as open on XXXX even though this account was paid off in XX/XX/XXXX. Both Harley Davidson and XXXX are reporting a late payment in XX/XX/XXXX on XXXX. This appears to be an attempt to re-age this account. 
I noted that only the auto industry reports this way, all other accounts are reported differently, and it appears that XXXX XXXX may also be complacent in this process. Sense most consumers who buy new vehicles are likely to upgrade every 4 or 5 years and the credit reporting agencies report these records for 7 years, this does affect consumers when purchasing another vehicle ( as well as other credit ). 
Neither company reported the account as disputed within the 30-day time period allowed. XXXX received and signed for a certified letter on XX/XX/XXXX and Harley Davidson sign for a certified letter on XX/XX/XXXX. I have copies of the certified letters as well as my credit reports showing that they never notified the Credit Reporting Agencies the accounts are disputed. 
Both companies are in violation of 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries XXXX  XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I had my computer hacked the later part of XX/XX/XXXX. I had tried several different times to notify the company regarding my new email address and they were for some reason never able to correct my new email address nor did I get any paper statements in the mail. I had been making the payments from internet and made my final one I thought since I never received any statements for several months until XX/XX/XXXX. I 've tried resolving this issue with XXXX working with the department stores. I immediately called the store and found that they have a balance and at that time I paid this in full. Just a soon as I found that there was a balance and at that time was told that they had entered a 30 day late on my credit report.Asked to have it removed the 30 day and was told could not. Balance paid in full on XX/XX/XXXX {$240.00}. Copy attached Also attached emails since they changed my new email address. Never any for months before. <P/>I asked if this would be corrected on my credit report and they said it would never be.Tried several times to dispute this and they never would change. I 've got great credit. This was not I feel my error. Never did I receive a statement from them Until XX/XX/XXXX.Please show that these statements were sent  out to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action XXXX constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Mortgage

I am in the process of trying to acquire a mortgage loan. I contacted PNC Bank to consider getting my loan through them with me having a bank account with PNC as a long term customer. I spoke to a Mortgage rep name XXXX XXXX on XX/XX/2022. I told him what my interests were and he asked me to go onto the PNC website and submit documents. I did immediately and reached a snag in his enrolment online system where it would not allow me to move any further. I tried reaching out to XXXX for 2 days via text and calls. He responded XXXX days later. 

He finally sent me a link and asked me to log back in and try again. I did and after speaking with XXXX only twice I did not get a good working relationship feeling from him that says he would work hard to get my loan done. I called XXXX XXXX on XX/XX/XXXX and told him that I did not want to continue working with him and that he should cease and dismiss all actions related to working with my account because I have decided to work with someone else. 

XXXX XXXX was came off disturbed asking why did I want to discontinue our working relationship and I explained that I decided to work with someone else who offers a little more optimism and enthusiasm with my loan application. XXXX XXXX went onto start explaining how he didn't see where it would matter because he did not see where anyone could get the loan approved. 

To the contrary, there is a mortgage company who can get the loan done and all they were waiting on was a letter from my university to close. I hung up on XXXX XXXX and in return he submitted a slew of derogatory comments to my credit reporting agency stating, " my loans were being denied by PNC '' for a multitude of reasons. 

The unethical, unprofessional, and fraudulent actions by XXXX XXXX where all based on misleading reasons for reporting from the beginning. If there were to be any report filed, Mr. XXXX XXXX should have filed that, " the loan application was canceled by the consumer. '' However, in his unprofessional abuse of power, Mr. XXXX XXXX took it upon himself to conclude, out of anger, that he would directly lie to prevent me from doing as I stated and go work with a different lender. Mr. XXXX XXXX violated my consumer right to not work with him and abused his power to destroy my chances of getting a loan with someone else. 
I have a closing date coming up in approximately 5 days and XXXX XXXX, because I chose not to work with him has caused my loan to beheld up and possibly lose my loan. I do plan to follow this complaint up with an attorney and HUD as well. I do not suggest anyone do business with PNC Bank considering this is the type of abuse of power and unprofessionalism you are subjected to have to encounter.
Product: Vehicle loan or lease

Have reached out to Santander for a change in interest rate of XXXX % Have been laid off due to XXXX XXXX and hoped to settle loan for {$9000.00} dollars using XXXX withdrawal to decrease expenses and sell auto. 
Requests have been denied. 
The interest is excessive and unable to decrease balance because of this and car is underwater
Product: Mortgage

We owe more than 20 % on equity and we formally request to pay our own escrow. And we normally don't need to pay for mortgage insurance but this mortgage company still collect mortgage insurance from us. Our annual state taxes has been payed directly to the state of Maryland and hazard insurance witch is part of the escrow has been payed as well directly to the insurance company. But the mortgage company still send the bill with all these to be paid to them. 
Secondly, we don't get any explanation when the mortgage company decide to raise our monthly bill. From 2016 our bill was {$980.00} and nowadays we are paying {$1000.00} with no explanation. 
Thirdly, our monthly statement does not include the amount of money that we previously paid. The statement don't give us a escrow breakdown. 
We need this breakdown for us to calculate how much money goes to our principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following accounts where Where deleted XXXXXXXX XXXX  accounts number XXXX & XXXX XXXX account Number XXXX & XXXX  Account number XXXX & XXXX XXXX Account number XXXX these accounts where previously deleted in XXXX XXXX then after 4 months I received a letter from XXXX stating the all previously deleted where back on my credit report .. XXXX also violated my rights under 15.U.S.C. 1681 section 604 A section 2 The Law clearly states a consumer reporting agency can not furnish an account without my written instructions. they also violated my rights under 15 U.S.C. 1681 Section 611 ( 2 ) ( e ) : The cleary states the credit bureus have 5 days to notify me from when they receives my disputes. they also violated my rights under 15 U.S.C. 1681 section 611 ( 5 ) ( a ) ( l ) ( i ) the law cleary states if items are are found inaccurate or can not be verified the consumer reporting shell promptly delete the information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX XXXX XXXXXXXX, US DEPT ED XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, and XXXX Original Creditor : ) XXXX have 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 an account without my written instructions.
Product: Debt collection

Several years ago XXXX gave me a {$500.00} cell phone, which I believe was unlawful. I slowly paid it back and quit paying for the service and they continued to bill me for several months, bringing the bill back to around {$500.00}. I refuse to pay XXXX anything. Dept collectors have been harassing for several years. I afford to pay {$25.00} a month and the guy rudely said that 's not enough. Now MCM midland credit management, I believe, is harassing me by mail and phone and not saying who they are when they call. I plan on taking legal action in the near future.
Product: Debt collection

On XXXX XXXX 2017, I received a debt collection letter from Global Receivable Solutions Inc. This amount owed is not mine and the previous collector closed this case and so now this Global company is doing the same. I do not own a XXXX machine. I have been a victim of identity theft. I sent a Debt dispute letter to Global Receivable Solutions requesting they provide proof and validate this is in fact, my debt. I asked them to send me a signed contract agreement, a detailed explanation of how they came about this amount and proof this is mine. This company is fraudulently trying to collect money from me. And so was the previous collector. They keep changing the debt amount and has failed to provide proof it is my debt.
Product: Credit reporting

I am a business owner and even though it is a corporation, I have to use my personal credit. Who personally uses their credit for XXXX or any other corporation? My major issue at this point is I pay a monthly fee to be a member of the credit reporting agencies. I get updates daily if there are changes and can refresh my score at anytime. Recently I purchased a home the bank pulled my score from Transunion as did I and the scores were different as much as XXXX points. This week I am purchasing a new vehicle and my score was XXXX points less than what the bank got. Because of the difference on the house I am paying 2 % more monthly and the vehicle I will be paying 3 % more. Anyone that pulls my credit or any Americans credit should receive the same score. I find the scoring system as a fraud / scam to consumers. The system needs to be the same, I work to improve a score of XXXX when really ( per the bank ) I need to work to improve a score of XXXX of which I have never seen.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed fraudulent activity on my report.