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

XX/XX/2023 my barclay payment was processed against my checking account, I reviewed my account as I always do when its bill time. the account was positive and everything was okay. 
No other transactions were going through, the balance on account was like XXXX in there. 

Monday XX/XX/XXXX, I was at the gas station and pumped gas, not realizing I used the bofa card and not my chase card the account overdrew by XXXX so not my acct was overdrawn XXXX. I set up a transfer on Monday to go through to my bofa checking to resolved that issue. 
Today is XX/XX/XXXX, and the XXXX payment for XXXX that had already processed through is now showing being returned and the XXXX ( gas station ) charge that caused the overdraft is paid. 
I call customer service, got the texas call center that person hung up on me she didn't want to research obviously, so i called back got the XXXX call center talk to a XXXX, about XXXX XXXX  and explained to her that the XXXX payment was already paid and all weekend up until I accidentally used the wrong card my acct then showed XXXX overdrawn. I told her i had a screen shot because I don't trust banks and I know they reverse and pay thing how they want to sometimes in the past and she said to bad i needed to call XXXX and have them reprocess it. 
I asked for a team lead, I asked for a supervisor and she told me that they all were busy so i had to wait XXXX hours for a call back. 
I told her i would hold, she said I couldnt because it would be a violation for me to hold for a supervisor and I then told her that I was going to file a complaint and she began to say your rude, and I said I havent said anything rude and this call is being recorded. She hung up on me. 
Now, I have a item that had paid already on Friday, being returned and will incur a XXXX late fee on my Credit Card. 
BofA should be shut down, they are nothing more then a middle man anyways for the Treasury Dept. 

I spoke to someone at XXXX XXXX XXXX XXXX  call center Name XXXX
Product: Credit reporting or other personal consumer reports

Equifax reported to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX that I had a XXXX credit score, while XXXX and XXXX show that my XXXX is over XXXX. This caused a loan at a ridiculously high interest rate, When I checked Equifax, some if not most of my personnel information is not close to being current. How can they be a " guide '' to banks and such when they XXXX at keeping records. 
I am very frustrated with their online process also as it is not very user friendly to older and non-computer savvy individuals
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Late Payment : XXXX XXXX collection XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX  - XX/XX/XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Employers : XXXX XXXX Also Known As : XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy.

In accordance with the fair Credit Reporting act ) IN COLLECTIONS XXXX XXXX XXXX I OWE THEM {$160.00}. XXXX XXXX XXXX I HAVE 8 LATE PAYMENTS.

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.

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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts. 



REMOVE OR THE LATE PAYMENTS OR DELETE THE ACCOUNTS.
Product: Mortgage

I am writing to formally file a complaint regarding my mortgage account with PennyMac Financial Services. Despite my efforts to resolve this matter directly with the company, I have not received a response, and the situation has caused significant financial harm to my family. I am seeking your assistance to address and correct the reporting of late payments on my credit report and my wifes credit report. 

In XXXX, my family and I faced an exceptionally difficult series of events that caused severe financial hardship. I was forced to leave my job after being XXXX, and I was subsequently denied XXXX XXXX benefits. My wifes work hours were reduced to part-time, significantly reducing our household income, and our mortgage payment increased by {$400.00} per month. On top of these challenges, we also welcomed our first child, which brought additional financial and emotional responsibilities during an already tumultuous time. 

During this period, we were extremely grateful for the hardship programs offered by PennyMac, which allowed us to defer payments temporarily while navigating these circumstances. I remained in constant communication with PennyMac, submitting all required paperwork on time and meeting every check-in request. Unfortunately, while awaiting approval for an additional hardship program, there was a miscommunication. I was under the impression that payments during this period would not be reported as late ; however, they were, and those late payments now appear on our credit reports. 

Despite these difficulties, I worked tirelessly to resolve the situation, including borrowing funds to catch up on payments. Ultimately, we made the difficult decision to sell our home to prevent further financial fallout. The mortgage has since been paid in full, yet the reported late payments continue to impact our credit. 

The consequences of these inaccurate or unnecessary derogatory marks have been devastating. XXXX XXXX  recently closed a credit card account with a {$20000.00} limit after I paid off the {$4800.00} balance in fullan account that has never been lateciting the " delinquent '' mortgage account reported to the credit bureaus. This closure has further harmed my credit utilization ratio, compounding the damage to my credit score. 

With both my wifes and my credit scores severely affected, we are unable to qualify for another mortgage, even for a more affordable home. We have a XXXX son and are now unsure where to go once the 30 days granted after closing are up. I have always prided myself on being diligent with my financial obligations and rarely, if ever, miss payments. This situation is completely out of character and a result of extraordinary circumstances. 

I respectfully request that the CFPB assist in resolving this matter by urging PennyMac to remove the late payments from our credit reports. This correction would help my family move forward, secure housing, and rebuild our financial stability. 

Thank you for your time and attention to this matter. I truly hope for your assistance in making things right for my family.
Product: Checking or savings account

A was looking a house for rent and one appear in XXXX, I call the phone number that was on the advertisement, nobody answer to me only they communicate with me via text message from the phone number XXXX and tell me that if i been interested in the house send {$350.00} via mobile ath of the popular bank XXXX XXXX XXXX.I send the money to other phone number that was the one he text me because he will send the keys when he receive the money, but it never do it.
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also SectioI am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. n 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards the data provided is not always accurate complete or update i demand that any wrong incomplete or unsupported material be updated XXXX - XXXX
Product: Credit card

Hello, I ordered XXXX XXXX purse last year in XXXX XXXX. According to XXXX XXXX they delivered it on XXXX XXXX at XXXX and it was signed by me. When I got an email that it was delivered and signed, I called them right away. I told them that I am at work and I had provided XXXX XXXX a screenshot of my computer that shows the day and the time when I was at work at the time the package was delivered. In fact, XXXX XXXX couldnt refund and told me to contact my credit card company to dispute. I contacted Apple Credit Card Company and started my XXXX dispute on XX/XX/year>. As a proof I provided a screen shot of my computer showing the date and the time that I was at work when the package delivered so it was impossible for me to sign under anything. However, it was denied. Then, I opened the second dispute, this time I provided my timesheet from XXXX XXXX XXXXXXXX XXXX XXXX. Again, it was denied. I opened my XXXX XXXX dispute and provided a police report that got approved by the officer ( XXXX ) XXXX XXXX Police Department XXXX In fact, I got an email a few days ago that they denied my dispute and reversed the charges back to my account again. 

Please note that I submitted XXXX claims already. My main point is that i was not at home at the date and time the merchant claims delivery was made at my house. Their proof of delivery document has a signature that is not mine. In fact, i sent you my official timesheet and screenshot from my office computer to prove i was at work full time on that day. I even provided an Approved Police Report. You can clearly see that the signature they have does not match with my legal signature. It is possible they delivered the item to a wrong address because we leave in a community with a lot of identical townhouses and items can be easily delivered to a wrong address with similar numbers. This is my first dispute in my entire life and had never dealt with anything like this.
Product: Mortgage

I am requesting a copy of the original assignment of my loan account from XXXX. I am requesting documents to show and prove Wells Fargo Had the right to collect or had rights to my loan. 
Wells Fargo received a assignment from the FDIC XX/XX/2012. Still there are not records that show how Wells Fargo had the right to collect any payments on my loan prior to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Checking or savings account

I was charged fees even after using my debit card 10+ times a month causing my balance to drop to low levels and even overdraft my account.
Product: Credit card

I just recently had this same exact situation closed with my previous complaint which generated back in the beginning of XXXX. XXXX gave me two months of reprieve from paying payments on my credit card due to the multiple hurricanes of XXXX. Their system sent me emails and letters stating that my account Was not in good status and they took away a bunch of my credit because of it. In the previous complaint, you will see where they gave my credit back to me because they acknowledge they made a mistake due to the recent review of my account. They just again took away all of my credit again stating the same facts that how can somebody do this 30 days after they gave it back to me because they acknowledged the error. Furthermore, in the same time. I accepted another credit card offer from them which they gave me another credit card with {$5500.00} credit limit. If I was such a problem and they had to take this credit away from me why did they give me another credit card. At this point, I am being harassed by them and I dont appreciate it. I am not even utilizing 40 % of the credit card that they took the credit again back from me. I have not been late nor missed any of my payments for this XXXX  account let alone all my other credit cards. As I previously stated in the first complaint, I have never had any issues in life until recently due to these hurricanes. My objective here is to stop the harassment and Ive never had this happen to me with any other credit card company. I just find it very weird to have another review of my account weeks after they did give me my credit limit back to where it previously was before they took it all away, which was. in XX/XX/XXXX my credit limit was XXXX XX/XX/XXXX it went to XXXX. One average during the entire period my balance on the card was XXXX and went to {$3000.00} that includes XXXX XXXX, XXXX, XXXX and XXXX. Nothing drastically changed and like I said earlier, they gave me another credit card at the same time all this was going on for another {$5500.00} credit limit. I dont understand what is going on here, but I am definitely being harassed with this back-and-forth of taking credit away from me. I would like for you guys to get this revolved and reverse my limit from the {$3600.00} they gave me back to the XXXX where it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter certified mail out to XXXX, XXXX, and Transunion regarding incorrect addresses. Unfortunately they are refusing to remove the inaccurate addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I filed a police report on XX/XX/2019 and have seen the accounts get removed off my XXXX and XXXX credit report however Experian continues to violate the FCRA by failing to properly investigate the fraudulent items. I requested they provide me with the name address and phone number of the person or persons who validated these fraudulent accounts. I did not receive a document with my wet ink signature nor have they sent me a copy my updated credit report with the errors removed. I am filing this complaint because this fraudulent XXXX/DEPT OF ED Account # XXXX Balance {$11000.00} account is affecting my credit report and my score has dropped tremendously due to their violation of the law. Please investigate this matter and delete this account immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit card or prepaid card

PNC Bank has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by PNC Bank before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or PNC Bank to furnish any late payments to my consumer report. It is my belief that due to PNC Bank 's business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Credit reporting or other personal consumer reports

SYNCB DID A HARD INQUIRY ON MY CREDIT AND RUINING MY CREDIT ON XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX and XXXX XXXX is showing auto loans on my credit report that was never mine and I have never signed a contract for these. I would like them deleted. 

XXXX XXXX XXXX XXXX is from XXXX 

XXXX XXXX is from XX/XX/. 

Both of these accounts are showing payments as well as on-time and late payments.
Product: Checking or savings account

My wise got deactivated last month I have my funds in them but they didnt give me my funds back. I appealed them but they didnt give any satisfactory response. and said they wont give me my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon recently checking my current credit report I noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : 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.