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

My name is XXXX XXXX ... .., I am the manager of DARK ... ... .... XXXX XXXX registered in the XXXX of Pennsylvania XXXX 
In late XX/XX/2023, I initiated the opening of a checking account for the above XXXX at the PNC Bank branch located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I contacted XXXX XXXX XXXX XXXX XXXX ( Phone # XXXX ), providing all the necessary documents and finally get account No. ... ... ... XXXX, opened on XX/XX/2023. 
A couple of days later, XXXX sent me an email inviting me to visit a PNC branch ASAP, just to personally notify me that the account was opened mistakenly and should be closed. I simply asked to indicate in writing the reason for the closure - what rules or regulations were violated and why this became obvious only now. She refused to provide me with written reasons for this action. I insisted on receiving a written response from PNC Bank as to why the XXXX XXXX could not have an account in this branch. 
A couple of days later I received a debit card with a notification that the account was frozen, but again without any explanation. 
My numerous contacts with various PNC Bank representatives were unable to clarify the reason for this situation, and all of them refused to provide me with any written explanation. 
Today I received a letter notifying me, without any explanation, that the account will be closed on XX/XX/XXXX. When I called the helpline, bank representative XXXX told me at around XXXXXXXX XXXX on XX/XX/2023 that the account would be closed due to my abusive behavior. 
My problem is that PNC Bank has never provided a written explanation for its actions, which I consider discriminatory and defamatory, so I can not take any action to protect my rights and my reputation. But all my telephone conversations with PNC Bank representatives were conducted over their recorded lines. 
I am asking the Consumer Financial Protection Bureau to help me get a written explanation of why we can not have an account with PNC Bank and what exactly abusive behavior I have demonstrated. 
Thanks for the help, and please let me know if you need more information. 
XXXX XXXX ... ..... 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.I disputed these inaccurate items over 30 days ago and your agency failed to notate that it was disputed which makes your agency in violation of 15 USC 1681s-2 ( 3 ) 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate. 
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity thef XXXXXXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately It is my understanding that you will recheck these items with the creditor who has posted them. I want ANYTHING that CAN NOT BE VERIFIED by them to be COMPLETELY DELETED from my credit file ASAP. I understand that you have 30 days to complete your investigation once you get this letter. If you can update me even sooner, that would be great
Product: Credit card

I had a cash advance that I paid already that Im still getting interest charges for. I called capital one and they refused to help me, kept repeating the interest rates like a robot. Ive had this card for years and never once asked to have charges removed. They claim that my payments were never fully allocated towards my balance. On my last two balance there is no mention of a balance being carried either.
Product: Money transfer, virtual currency, or money service

I am writing to you guys to formally express my concerns regarding the Zelle app handling of there disputes. Particularly in light of the CFPB lawsuit highlighting significant issues and concerns with the platform. Despite using Zelle numerous time on many transactions reporting all the discrepancies my financial institution failed to evaluate my claim properly. They informed me that recovering lost founds was impossible and tracking these transactions were unfeasible. Which to me seems like a neglect on there part
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint due to the credit reporting agency 's failure to comply with the request for re-investigation of a written dispute requested on XX/XX/2021 ( Equifax ) and XX/XX/2021 ( XXXX ). Under current law they had 15 days to complete a re-investigation. According to the Fair Credit Reporting Act 15 USC 1681 I ( 6 ) I should have received a response letter no later than 5 business days after the credit reporting agency 's investigation was completed. It is past that time and I have not received a response. Now Im forced to spend money I really dont have to pay for certified mailing just to ensure I receive a response from them. 
My rights under Fair Credit Reporting Act 15 USC 1681 b ( a ) ( 2 ) Permissible purpose of Consumer Reports law are being violated. I did not give the credit reporting agency permission to report these items. In my dispute I requested corrections to inaccurate information or a deletion of the accounts from my report but neither was done. 

At this point, I am demanding the credit reporting agency to cease and desist from reporting these items. I demand they are immediately removed from my report. If they refuse to remove the items, I demand the credit reporting agency provide me with written documentation swearing under penalty and perjury laws they were there when the debts were established. I demand they also swear under oath that I signed for the accounts and I signed documentation agreeing to add their credit reporting agency to the account to be able to report them on my report. 

These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress. If this matter is not resolved through this complaint, I will pursue the enforcements of my constitutional rights via federal court proceedings. The information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. If necessary, I will represent myself pro-se and formally request a jury trial.
Product: Debt collection

I reached out to the debt collection agency and they agreed to a pay-to-delete solution for 40 % off of the original amount owed. However, the account that was supposed to be deleted from my credit report is still being reported on my report. I reached out to the original creditor and provided them with proof of payment and they said they would update the information but never did. They have received records of the debt being settled but still refuses to remove the item. I've contacted both parties on multiple occasions and all they have done is put the responsibility to remove and stop reporting the item on each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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 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 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

There was a hard credit inquiry from XXXX  XXXX XXXX on my credit on XX/XX/XXXX and I called the bank to report the issue and also sent over mails to them to dispute the inquiry but nothing was done about it. 

XX/XX/XXXX same hard credit inquiry happened but this time from American Express and I called also and also sent in letters to dispute it and explain to them my account was compromised but nothing was done about it. 

On XX/XX/XXXX. A hard credit inquiry from XXXX was made on my credit and I have called and sent in several letters but nothing has been done about it. 

XX/XX/XXXX. A hard credit inquiry was made on my profile by XXXX XXXX which I was not aware of and I have sent in dispute letters but it has not been taken off my credit. 

On XX/XX/XXXX a hard inquiry was made on my credit by XXXX XXXX XXXX which XXXX did not approve nor was I aware off. I have written to them also and nothing has been done yet.
Product: Credit reporting or other personal consumer reports

i recently reviewed a copy of my credit report. i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on my credit report that were not open by me. this has been hurting me as i am in the processof buying a home for my family.please remove the feaudulent accounts from my credit report as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received phone calls last week on persons trying to open accounts under my name with XXXX and Citibank.realized only today an account was opened with XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/29 Requested fund from bank closed account. 
As of XXXX fund have still not been processed out of account and I have no access to them.
Product: Credit card or prepaid card

I have called several times plus faxed in a copy of my cashed check for {$2800.00} that they cashed on XX/XX/XXXX. They still claim on XX/XX/XXXX that I have not made a payment. Barclays XXXX XXXX  Credit Card has shut off my account for new charges. I never missed a payment in full ever since I have had this card. I talked to a customer service person named XXXX who couldn't get a manager on the line after waiting 57 minutes on the line.I sent in a check for {$5700.00} on XX/XX/XXXX overnighted with the Post Office because it was going to XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. I have documentation of this being delivered on XX/XX/XXXX. It cost me {$25.00} to do so and they never posted the payment. 

My credit score has gone down because of these bad practices of accounting. Also they been charging my account with late fees and interest while holding my money for almost a month. Please note there are two attachments supporting this.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Portfolio Recovery you state in CFPB XXXX you have a right to report enclosed accounts SHOW ORIGINAL CONTRACTS for them not a letter, CONTRACT with my signature on it also the documentation that clearly states opt-out of credit reporting { because you don't have any original documents a fraud report was made you have no rights to report to report any information about my self Documents enclosed when I say cease and desist I mean to anyone or company. You bought the debts from someone other than myself a letter does not mean anything the original debtor does not have the original contract the FEDERAL RESERVE has it any other is a fraud The Federal Reserve is the only one that can collect anything else fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase XXXX Reward card was activated in my name without my consent. Card # XXXX Phone # XXXX. There was also {$49.00} billed to the card. I have called the credit provider several time over the last month & no one will address my concerns. 

The address used by the person who activated the card was : XXXX XXXX  XXXX XXXX XXXX, Co. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 1 : What is this complaint about?
This complaint is in regards to the Equifax data breach, but specifically with the way that credit freezes are being handled.
Step 2 : What type of problem are you having?
Being as this will be something that impacts someone who has had their information stolen for the rest of their life, it seems a bit silly/wild to myself that we are expected to pay for a credit freeze to try and help prevent any further damage that has been inflicted upon us as is.
Step 3 : What happened?
All but Equifax are currently charging for a credit freeze. While I realize that the other credit reporting agencies did not have any fault in this situation, it would seem to be the right thing to do to help those in this situation.
Step 4 : What company is this complaint about?
All three credit reporting agencies Step 5 : Who are the people involved?
Myself, and anyone else impacted in this data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My husband and I live in a XXXX unit townhome complex in XXXX, Texas. XX/XX/2015 we shopped to refinance our home mortgage after 17 years of payments at a high interest rate with only XXXX % of the value left on the home. We received several bids and picked Bank of America based on their estimated closing costs. 

We sent in all of the documentation they requested and were assured the closing costs were accurate. 

Approximately 35 days later, after interest rates went up, BOA said they needed to charge us approximately {$500.00} for an new survey. We told them we sent them the survey from our XXXX XXXX on day 1. They said it was insufficient. 

In addition, we had to submit the same information we gave them day 1, with pay stubs and tax returns a second time. We asked why and they said it was because they submitted the wrong SSN and had to do it again? We lost several hours of income providing this information a second time.
Product: Debt collection

on XX/XX/XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX contacted my husband ( XXXX XXXX ) about an old debt in my name ( XXXX XXXX ) and had his social security number. XXXX XXXX said they would be serving court papers and a lien would be placed on our house but that my husband could pay {$1000.00} over the phone to stop the process. My husband said he needed to speak with me first. I contacted XXXX XXXX, who told me the original debt was over {$400.00} dollars from TD Bank XXXX, but that now with fees it would be over {$4000.00} if we went to court. He said they would be serving me court papers on Thursday. I told XXXX XXXX I did not ever owe TD Bank XXXX  that amount and that I had disputed a smaller amount back when I had the account, prior to XXXX. He said they would be serving me court papers. XXXX XXXX hung up on me, then 15 minutes later contacted my employer and asked for the physical address, telling the secretary they would be serving me court papers on Thursday. He then called and left another message on my voice mail. I did not acknowledge the debt, nor have we received any written correspondence in regards to this debt. I have not had an account at TD Bank XXXX in more than 13 years. His number is XXXX ext. XXXX. He said my case number is XXXX. I believe the statute of limitations for old debt in my state is 6 years and that XXXX XXXX is trying to scare us into paying money we do not ( and have not ever ) owed. I also pulled my credit report from XXXX to make sure I hadn't overlooked anything and there is no mention of this debt to be found on my credit report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ), you XXXX be liable for your willful non-compliance.
Product: Mortgage

I have a foreclosure sale date of Tuesday XXXX XXXX, 2015. I have submitted a complete loan modification application to my lender Ocwen Loan Servicing , LLC 12 times between XXXX XXXX, 2015 and XXXX XXXX, 2015. My initial submission this time was through XXXX back on XXXX XXXX, 2015. Ocwen contacted me to notify me that XXXX documents were missing and I have provided those missing documents. Ocwen has verbally acknowledged receiving a complete file from me but has not made any efforts to stop the foreclosure sale ( according to the customer service representative I spoke with twice ). They require 30 days to review my application for an affordable loan modification. I was told that they require a complete file more than 7 business days before the sale date and I have met that requirement. I have had a significant loss in my income but have gained permanent employment for 1 year now and desperately want to keep my home so that my family and I will not become homeless. My request is for assistance with obtaining a written notification of the postponement of my pending foreclosure sale date of Tuesday XXXX XXXX, 2015. Also, my request is for assistance with Ocwen providing me with an affordable loan modification so that I may keep my home because that is my desire. I will attach a copy of the file I submitted to Ocwen 12 times within 5 days. Thank you for your time and any assistance you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander was paid out by ilending after refinancing my vehicle and have falsely reported my account to the credit beureu. My account is now in collections and they are not taking accountability for their actions.
Product: Debt collection

my husband told me that a woman XXXX XXXX was trying to reach me about serving me with a summons to appear in court and would not tell him anything else - i called the # and was told she was transferring me to an " attorney '' named XXXX XXXX - he said he was from capital consulting services - he got on the phone and told me he was representing citibank and that i owed them over {$5000.00} and that if i didn't set up a payment plan with them today that a process server would show up at my work tomorrow with summons to appear in court. he told me the debt was from XX/XX/XXXX-XX/XX/XXXX and that they received acct in XX/XX/XXXX. i told him i needed more information and would contact citibank and to not contact me any further and i hung up. he then proceeded to call my work # 3 more times ( once when a co-worker asked him not to call back ) until he asked for a supervisor to arrange a time for a process server to serve me with papers. i told him what he was doing was illegal and abusive and to not call me at my work again and that i was going to report him to the FTC.
Product: Payday loan, title loan, or personal loan

I have tried to pay off the loan multiple times but the Advocacy Team Has not been responding to any emails or phone calls. The representatives have tried to get through with Moneylion advocacy team but they are not responding. I have taken ownership of the account and willing to pay the balance off. I have also been locked out the account and it has been suspended so I am unable to make any payments. XXXX XXXX XXXX of the advocacy team members has stopped responding to emails.