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

The concerns you had available, do not fall into my complaint. You should have had an other category. Anyway my complaint is against the policies of PNC Bank. The Feds have increased interest rates several times. PNC has increased interest rates on loans, mortgages, etc. However, savings customers have not received any raises at all from them. Around XX/XX/2022, I spoke to a teller at my local branch about the interest rates, and he gave me a telephone number to callXXXX. I called about XX/XX/XXXX, XXXX and a rude woman informed me that PNC doesn't ever have to raise interest rates ; nor do they have any plans to do so. This is outrageous and should not be allowed. XXXX folks depend on interest rates to help pay for meds and other basic needs. Money is provided to a banking institution for their use and investors should be treated fairly, not be ignored or financially abused.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on multiple bureaus that i do not recognize and did not authorize. They are listed below.. 
Experian 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Your Account Dispute has been updated. 
XXXX XXXXXXXX XXXX  The dispute for the account with XXXX  XXXX that starts with XXXX has been updated. 

Source : XXXX  Date Submitted : XXXX XXXXXXXX XXXX  Report Number : XXXX Account Number : XXXX Company XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX WHAT NOW? 

We'll notify you when all of your pending disputes are complete, and the results are ready. To see your most recent updates, please check your updated credit report. 


Have requested to get me the proof that this is my account? So far no Answer from XXXX XXXX or from XXXX. I am shopping for a Used car and now having a tough getting a car loan approved as XXXX decreased my FICO Score by XXXX points. 

Unable to write to them or call them There Calling center is closed. Always closed. 

All I get is an answer from XXXX we checked and XXXX XXXX says the report is correct. So, this report stands on my Credit report, now every other Credit agency XXXX XXXX and Equifax also lower my Fico scores. 

Please- please do something and help me. You are the last hope. All I need the proof that this is my account. Why would not they give me the proof meanwhile XXXX XXXX keeps increasing my Credit Limits? Mindboggling? 

Respectfully, XXXX XXXX
Product: Checking or savings account

I opened a checking account with Comerica Bank. The sole purpose of this account was to have funds available for automatic payments to a ( pending ) HELOC application. I deposited {$2000.00} to open the account. When my HELOC loan application was approved, they did not offer the credit limit that I had expected. I did not close on that loan offer and ACHed out my remaining balance in the checking account as it would never be used. Comerica has charged me {$69.00} in " overdraft fees. '' They have sent this to a collection agency and are negatively effecting my credit score. I have disputed this with the collection agency twice now with no response, only continued harassment.
Product: Credit card

CITI card system failed to withdraw money from my payment account and resulted return check fee. The payment account info was correct and had enough money. CITI failed to explain what happened and refused to refund the fee that was incurred because of their system failure.
Product: Student loan

I spoke with a csr, XXXX id # XXXX and this was the third attempt at setting up a payment plan. In XX/XX/XXXX, I was set up for this plan and was on the phone with them for an hour. This plan was set up then the next month, XX/XX/XXXX I was told it was set up but not approved and was told it was not denied just not approved and that rep was fired. No information to me regarding that at all. I called to change the payment date and had to just cancel even after speaking with a so called manager XXXX who was telling me the same information. I was told that the prior rep had not put in place the second part of the original payment plan. I called today XX/XX/2018 spoke with XXXX who told me it was denied because they needed more information from my cosigner. I explained my cosigner is taking care of my dad who just went through XXXX XXXX and can not talk for the second time in a year. I was then transferred to a manager XXXX who asked how I was related to the cosigner and who the cosigner was taking care of my grandfather or my father. There was no listening and it was a recorded line. They asked me several times for payment and what the relationship was again not listening. They just want information from my cosigner because it says she has the ability to pay the XXXX. No idea where they were getting this minimum payment as the minimum is XXXX. I told them I am the one calling and trying to set up a plan to pay. I have the ability to pay XXXX but they want more information from my cosigner. I have stated I can not pay more than the XXXX and they want to talk to her to get more money. This is the second complaint I have filed. The first one was years ago after successfully completing a plan to remove my cosigner which was denied because it had to be a plan for interest and principle which it was but there was no stipulation online or with a rep regarding that information.
Product: Debt collection

The account XXXX is from BYL companies, first reported on XX/XX/XXXX. Account was closed due to discharge from my bankruptcy filed XX/XX/XXXX. I was denied a rental opportunity solely due to this inaccurate reporting that shows the account is still in collections and is open. Called BYL and they said account shows closed.
Product: Debt collection

I submitted a dispute through XXXX XXXX regarding a collection matter with XXXX XXXX XXXX and requested more information regarding the collection. XXXX XXXX XXXX Sent me a notice from Victoria Secret dated XX/XX/XXXX stating they sold debt That has a charge off date of XX/XX/XXXX to XXXX XXXX XXXX. XX/XX/XXXX is a long time ago but I am pretty sure that I settled that Balance with Victoria Secret. I submitted another request for more information as I need to validate the charges and payments received to see if there is truly an outstanding debt. XXXX XXXX XXXX then sent me a letter stating that they have completed their investigation and they feel its valid and stated that they will not respond to any future requests. With the letter is one statement with 1 charge for a Late fee of {$35.00} on XX/XX/XXXX. I feel that I have a right to be provided a complete transaction history to support the {$1100.00} that they claim I owe. They sent a 2nd letter indicating that my electronic file lists the following and typed up my Name, last 4 of my social and a date the account was opened and a last pay date of XX/XX/XXXX but no actual statement to substantiate that information. Honestly, even the proof they sent from Victoria Secret looks like they typed it up. At this point I want a complete transaction history for the account I have also requested payment information from my bank for payments made to Victoria Secret but it was so long ago I have to wait for the bank to send it to me.
Product: Debt collection

Online Collections is reporting a debt on my credit file that I not owe. I have never heard of this debt and received not one notification, letters, or any phone calls regarding this debt. I found out about this debt when I checked my credit file, and immediately paid it. Online collections is in clear violation of my 30 day right to dispute.
Product: Credit reporting or other personal consumer reports

In accoradance 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. 

The Bureaus XXXX XXXX XXXX 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 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

Please help all my Consumer Rights has been Violated.

15 USC 1681b ( 2 ) In accordance with the written instructions of the Consumer to whom it relates 15 USC 1681A Respect for the Consumers Right to Privacy 15 USC 1681O Civil liability for negligent noncompliance 15 USC 1692C C
ommunication in connection with debt collection 15 USC 1692D ( 2 ) Harassment or abuse 15 USC 1692E ( 2 ) ( A ) Fale or misleading representations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has not provided proof of this debt they reported to  XXXX  and Transunion since  2015 . I have asked both agencies to remove this debt or provide proof of the actual debt.
Product: Debt collection

For the past several years, ecmc have procured my income tax refunds which technically indicates partial payment, hence resetting the statute of limitations which should have expired in 2015.
Product: Credit card or prepaid card

I deposited {$300.00} on my XXXX Credit Card with Barclay Bank on XXXX XXXX, the payment was received into my account on XX/XX/19 but a hold was placed on the funds. I am not able to use the funds that I need for purchases, when I called Barkley bank they said they are holding the funds until XXXX XXXX because they do not know if my Bank ( XXXX ) may rescind on the funds? I told them the funds have already been taken out of my account but they still insisted that they will keep a hold on my funds until XXXX XXXX - I would like my funds released so I can use at will, I have never had funds held by a credit card company before and this does not make any sense whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son is in the process of buying my home at XXXX XXXX XXXX, XXXX, NY, XXXX. He is using XXXX XXXX  also. Because the home sale is in progress and will close soon no payments were made for XX/XX/XXXX, and XX/XX/XXXX. His lawyer and on advice from XXXX XXXX  said this would not be a problem. Today I received an E-mail from Transunion stating my account is two months overdue and that my credit report took a XXXX  point dive. I am extremely upset about this. After the required home inspection it was stated that some Vinyl siding panels needed to be installed along with a handrail. This work is in progress now and due to sub-zero weather the work will be completed in a couple days. Please tell me how to remove the negative credit report. XXXX XXXX  is involved with this transaction and my son has been in constant contact with XXXX XXXX. How did this happen and how will it be removed. I have never had a late payment until this sale that XXXX XXXX  is handling. XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a savings account wherein Citizens Bank randomly started to take money out in the form of monthly fees so that my savings account actually got smaller rather than larger, and over the years has dwindled to nothing. They also cut the interest rate being paid to way below what they were paying even though interest rates have gone up significantly! I dont know how many years it has been going on as they only have been able or willing to see back 18 months. My account went from hundreds of dollars to {$5.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

Item on credit report, reported to trans union, as paid in full, they refuse to investigate, or correct, Ive contacted the collection co credit management lp they reported to all 3 credit agencys, the other 2 have removed it from my report. I keep disputing the say they investigate but nothing changes, its been settled for over 2 1/2 months and still nothing!!
Product: Money transfer, virtual currency, or money service

On XXXX, I wired {$990.00} from my chase bank account ending with XXXX to my checking account in XXXX XXXX XXXX XXXX XXXX 
I checked with the associate 24hrs later to figure out why the funds were not available in my account in XXXX and the associate confirm the delivery of the funds. However, the associate asked me to wait another 24 hrs for the funds to be reflected in my account. 
I called 48 hrs and the funds were still delivered and reflected in my account. The associate still confirmed the same story and asked me to wait couple more days. 
3 weeks later, I inquired about the funds again and the associate asked me to provide my bank statement to check if the funds were not delivered to my account in XXXX. I attached my bank statement to associate ( Taptap send payment ) email proving the wire was not delivered. The associate promised to investigate the issue and involve the management team. 
On XXXX I received an email from TapTap send indicating they will not refund the wire and that they have received information from their partners confirming the delivery of the funds. 
Till today, the funds were not delivered nor did I receive a refund for my funds. 
I feel like my money was stolen from me. This company has so money bad reviews about similar problems where recipients never receive their money. They should be investigate for fraud and completely out of business!
Product: Credit reporting or other personal consumer reports

i was looking over my credit report and noticed unauthorized inquiries on my credit report. i did not give hand written consent for these items to be furnished on my credit report. 
Hard Inquiries XXXX XXXX XXXX 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 XXXXXXXX XXXX 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 name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # 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

Good Morning : I would first like to point out that this correspondence is also being deliveredto to XXXX XXXX XXXX and I also lodged a formal inquiry with the XXXX XXXX XXXX and the Consumer Financial Protection Bureau all of which be can researched. 
I understand that debt collectors buy and sell 'alleged ' debts frequentlyHowever, in the state of New Jersey `` The statute of limitations runs out inXXXX XXXXafter six years for mostdebts. 
Even after that period, a creditor has the right totry to collectadebt '' I understand that you have a job to do Officer XXXX XXXX XXXX XXXX XXXX NJ OfficeOfXXXX ( but what I would like to say is this : My wages being garnished are not the issue, the issue is attempting to strong arm my employer that has nothing to do with this, The re-selling of old debts is very antiquated. 
Also viewing your documents with the plethora of stamps which seem to me as a " non- legalize individual '' are just notaries of which anyone can obtain. 
Since your firm was able to find me do a little further research and view the amount the times I've attempted to dispute this but to no avail. 
In closing ; I'm imploring that you release me from this garnishment immediately.
Product: Credit reporting or other personal consumer reports

To Whom it may concern.. 

XXXX XXXX XXXX Account number XXXX You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

Under 15 U.S. Code 1681b - Permissible purposes you must receive written instructions from me to release my information to third parties such as ( Experian, XXXX and XXXX ). 

I request that you send me proof of the letters I have sent in writing to you XXXX XXXX XXXXXXXX authorizing my personal disclosure to third parties and authorizing the permissible purpose, it is my right as a consumer to receive written proof under the ( FCRA ) within 30 days of receipt of this letter as provided by law. 

If the company XXXX XXXX XXXX can not provide proof of my written authorization for permissible purposes under 15 U.S. Code 1681b within 30 days, the account must be immediately removed from my credit report Experian, XXXX and XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumercan exercise that nondisclosure option.

15 U.S.C 1681s-2 ( A ) 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. 

Show me written evidence that XXXX XXXX XXXX complies with all the laws mentioned above, and that it complies with the standards imposed by the FCRA MENTIONED ABOVE
Product: Credit reporting or other personal consumer reports

The economy is bad but so is my credit report and scores which are much way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 8 late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been Wait on payments of an attached copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand Those payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Consumer Loan

i PURCHASED A XXXX MATTRESS SET AND THE XXXX XXXX THAT COVERS THE TOP MATTRESS RUNS TO THE CENTER OF THE MATTRESS. a XXXX AND XXXX YEAR OLD HAD SLEPT THIS BED 2 WEEKS AFTER IT WAS PURCHASED FROM USA LIVING. THEY WENT BANKRUPT AND SAID I HAVE TO PAY FOR IT. i NOTIFIED THEM RIGHT AWAY AND THEY CLOSED THE STORE AND DONE NOTHING. i WANT CREDIT FOR THE SET AND I TOLD THEM COME AND GET THEIR ITEMS RIGHT THEN. STORE CLOSED IN LESS THAN 3 WEEKS AFTER THE PURCHASE AND IT TOOK ME UNTIL XXXX FOR SOME ONE TO CONTACT ME ABOUT THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im applying for a home loan and my lender ask me to call Equifax and ask them to remove XXXXXXXX XXXX XXXX  from dispute only I called Equifax and the man I spoke to said ok XXXX remove it from dispute.I said ok I never mentioned no other companys ever just XXXX XXXX XXXX. I get a email today XXXX XXXX 2023 stating my credit score went down XXXX XXXX because remarks were removed from XXXX XXXX XXXX 6 times I never told them or mentioned any other accounts I reached out to these people now they act as if they cant do nothing about it o ask them to put the remarks back nothing so now I reaching out to you for them to fix these problems of my credit decreasing
Product: Debt collection

I have been trying to get an invoice for the amount I owe XXXX XXXX. I have sent letters including pages and pages of documentation proving that I only owe payment for services from XXXX XXXX XXXX to XXXX XXXX XXXXThe Facts : ~My last payment was {$73.00} on XX/XX/2023. That brought my balance due to {$0.00}. 
~My next bill was not due to be paid until XX/XX/2023. 
~I completely lost all internet service on XX/XX/2023. I spent hours of troubleshooting over the phone. XXXX  could not resolve and could not send a technician to my home until the beginning of XXXX. 
~I work from home as a project manager. This delay in internet service would have cost me my job. 
~After giving XXXX  a few days without resolution, I called XXXX and had their internet installed that day. 
~ I alerted XXXX several times to close my account as they were no longer needed. 
~I have proof that I sent back all equipment and that it was received by XXXX. 

They chose to ignore all evidence and sent my account to EASTERN ACCOUNT SYSTEM INC for debt collection. 
On XX/XX/2023, the day I received the letter from XXXX XXXX  XXXX XXXX, I sent them all documentation proving that this inflated dollar amount was fabricated by XXXX XXXX. 
Today, XX/XX/2023, I received a letter from EASTERN ACCOUNT SYSTEM INC who merely sent me another invoice and stated that it was validation of the debt owed. This is clearly a purposeful misrepresentation of the amount owed.
Product: Bank account or service

I made transferred money to my account and I was told that my account was closed.