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

I am now an account holder at PNC Bank as a result of their recent acquisition of the U.S. operations of BBVA Bank. Shockingly, PNC is not making digital access available for past statements before XXXX of 2021. While a customer of BBVA was told that should I elect to forgo paper statements that I would have access to 7 years of past statements. This remained true until XX/XX/2021, when the transition to PNC occurred. Current PNC customers are also told that should they elect to forgo paper statements that they will have access to digital copies for 5 years, however, those of us who have been merged into the system are only being given access to 3 months of historical data! I have requested of PNC that I be given copies ( digital or paper, their choice ) and I have been told that I will have to pay for these copies ( {$10.00} per statement X 81 months for a total of {$810.00} U.S. Dollars! ) This is for data that was readily available to BBVA customers at no charge before XX/XX/2021. I have explained that without this documentation that it will put both business and personal account holders in an untenable position should they be required to document their past banking transactions ( examples include IRS, state and local revenue departments, and insurance providers ) in the future. 

On XX/XX/2021 I received an email from PNC/BBVA stating the following : " Plan ahead for your banking needs over conversion weekend. Beginning at XXXX XXXX. CT on Friday, XX/XX/XXXX, BBVA USA Online and Mobile Banking will be available in view only mode. You will be able to see a point-in-time view of your account balances and history, but you will not be able to perform any online transactions. Additionally, credit cards and lines of credit will not be visible. '' Clearly, this is a complete misrepresentation of the current reality as the BBVA website was taken down on XX/XX/XXXX and customers were forced to migrate immediately to the PNC website. ( The inability to make withdrawals and deposits was to be expected, but the removal of the ability to see historic data is unacceptable ). Again there are only 3 months of BBVA statements currently available on the PNC website. 

PNC needs to correct this issue immediately, and these banks who desire to buy other banks must be held accountable to the customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report XXXX has not reported the school loan information for XX/XX/XXXX through XX/XX/XXXX. This is a lie. Both XXXX and XXXX know the school loan was in deferment and the information has been reported to XXXX. I am being harassed by both XXXX and XXXX regarding my school loan data. My Credit report is required to be updated by XXXX and return my XXXX points. XXXX has had my school loans since XXXX. If another agency like, ACS is reporting false information I have the legal right to sue them for fraud and harassment too! NO payment of XXXX was paid on the loan and there have been no additional loans of XXXX or otherwise. There are XXXX loans in accordance with the XXXX, that were consolidated in XXXX, with the original loan value of XXXX. The original loan value is not XXXX that someone is reporting to XXXX XXXX XXXX account. I have not been eligible for federal school loans since my loan value reached XXXX and I had to withdraw from my PhD program, due to the cap of XXXX put on XXXX school loans by the XXXX XXXX in XXXX. I have been trying to resolve this issue for 2 years. Both XXXX and XXXX refuse to update the information on my credit report and with the Department of Education or find out who, which is looking like it maybe the former ACS now servicing school loans as XXXX. You will all be charged with harassment and fraud if you continue to refuse to correct the information on my credit report and on my XXXX XXXX XXXX account.
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXX ACCOUNT I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data.

My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter.

Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files.

Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights.

Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and i received information that someone in XXXX XXXX has used my information with this company to obtain good that i have no knowledge of AMERICAN FIRST FINANCE is reporting on my credit report as a debt this is not my account and needs to be removed from the reporting bureaus asap.
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries ; I am unaware of them, and the company carried them out without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I began disputing these items with the Credit Bureaus on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.
Product: Mortgage

Re-financed our mortgage- notified company we were re-financing, had already been approved and that we would not be making our XX/XX/XXXX payment. Long story short, our new bank sent in PAY OFF check and it was received on XXXX XXXX and so we were reported 30 days past due because our payment was not made by XX/XX/XXXX. We have been 30 days late maybe once or twice several years ago during the 10 years we had our mortgage with this company. I have begged and pleaded with them to take this off ( credit report shows account closed, but that our payment is 30-59 days past due ). This dropped our credit score 20 POINTS AND I KNOW THEY COULD REMOVE IT IF THEY WERE A DECENT COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting me as an authorized user on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I. Look at my credit report I saw I have more than XXXX inquiries that I dont know nothing of I saw people trying to get loan car loan and other things under my name
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021, I sent you a letter regarding inaccurate things on my credit report on but to this day more than 45 days have passed, but I still got no response from you nor the negative items were deleted. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will take legal action due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Product: Money transfer, virtual currency, or money service

Executed a deposit of XXXX Litecoin ( worth approximately {$3000.00} ) on XXXX XXXX, 2017 to GDAX exchange. While the transfer shows completed, the currency did not show up in my account. Have called and contacted support many times with no resolution in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been irresponsible to correct information on my credit report. I have contacted them by phone, by their web page ( dispute an error ) and by letter. 
I have sent all documents and they still havent change the error. 
This is related with cfpb complain # XXXX about XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Re : Late Payment Dispute under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX  Dear CFPB, I am writing to formally file a complaint against XXXX XXXX  for reporting inaccurate information related to a late payment on my credit report. This information does not reflect the protections provided under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I was approved for a financial relief program offered by XXXX XXXX. Under the CARES Act, my account should have been reported in a favorable status while participating in the relief program. However, my credit report shows a late payment, which violates this law. 

Fair Credit Reporting Act ( FCRA ) Under the FCRA, creditors and credit reporting agencies are required to report accurate information. The incorrect reporting of a late payment on my account is unfairly damaging my credit history. I request that the CFPB investigate this inaccurate information and remove this late payment from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the TILA, creditors are obligated to provide clear and accurate terms and communicate any changes to loan terms. I was not properly informed by XXXX XXXX  about how the relief program would impact my credit report, which is a violation of my rights under TILA. 

Request For these reasons, I request that the CFPB investigate this matter and ensure that the inaccurately reported late payment is removed from my credit report. I am attaching relevant documentation that supports my participation in the financial relief program and demonstrates that this late payment was incorrectly reported. 

Thank you for your prompt attention to this matter. I trust that the necessary steps will be taken to rectify this situation in accordance with applicable laws. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance XXXX {$2500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1400.00} MXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance  : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$5400.00} XXXX XXXX XXXXXXXX Balance XXXX {$2500.00} XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX  XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

citi bank and citi bank XXXX XXXX XXXX, one is due on the XXXX of the month and my bank XXXX XXXX XXXX snail mails checks to them, my social security check arrives in my account on the XXXX each month. The first card payment is due on the XXXX and was received on the XXXX the second was due on the XXXX and my bank said it was paid to them on the XXXX and both payments to both cards go to the same address. I received emails and phone calls from the credit card company telling me they had not received payment on time so I called my bank and they confirmed they had sent the payment on the XXXX, all things being equal they should have received it and posted no later than the XXXX yet the second payment was posted 9 days past due. They wanted me to give them my checking account number and let them debit my account but I refused. I asked my bank about canceling the payment already in route in case the mail was lost or stolen but they advised waiting a few more days. Low and behold 2 days later the original payment made 11 days earlier was received and was posted to the account. This struck me as very odd since they both go to the exact same address. Both of these cards currently are 0 % interest now. I was charged a late fee. I recently attempted to take out a EOCL To consolidate all my credit card debt and even though I have a very good credit score my loan was turned down. In my opinion it was because of the late payment and fee. sign XXXX consumer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX XXXX Transunion XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, Transunion, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I started a dispute for my medical debt with XXXX XXXX XXXX XXXX on XX/XX/2021, the debt was bought by a collection company called Arcadia, I never signed the HIPPA act that is required in order to sell the debt, in addition, the collection agency didn't give me my right to dispute the debt. 
On XX/XX/2021 I sent a follow-up letter since they didn't respond to my previous request, XX/XX/2021 they still didn't respond so I sent a final follow-up letter, and by today ( XX/XX/2021 ) they still haven't responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items doesnt belong to me. I dispute the items with the creditor and the creditor sent me letter stating they dont verify public records to credit bureaus or third parties. I sent over documentation servers time and they refuse to block or delete. I contacted LCI TransUnion which is the third parties they use over XXXX times no one replies back via mail, email or phone calls its been over XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed s copy of my credit report when the company XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX list two charge accounts as charge off however in a settlement agreement with their 3rd party collection company an agreement was made to settle the account and they agreed to remove both accounts from credit report Account numbers are TOTAL CARD XXXX Account number Access Card XXXX
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized or unnecessary credit card inquiries from my credit report. Below, I have outlined the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I understand that only hard inquiries made without my consent are eligible for removal. To that end, I affirm that I did not authorize the above-mentioned inquiries and request that they be investigated and removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Initial Complaint :  XXXX   XXXX  provided me with  XXXX   XXXX  contact information from on  XXXX   XXXX ,   XXXX  . I did not receive the above contact information prior to filing my complaint to the CFPB.  XXXX   XXXX ,   XXXX   is the first date I received contact information on  XXXX .     Everything listed above and performed by  XXXX   XXXX   XXXX  appears to have been done recently, after the derogatory credit reporting in  XXXX  and  XXXX . There are no dates listed above regarding the investigation and/or notification prior to my complaint with the CFPB. Again, derogatory information was submitted prior to me receiving any documentation or letters regarding the resolution of the fraud investigation.     I contacted  XXXX  more than  twenty " 20 '' times (  prior to my CFPB complaint ) regarding this issue via telephone,  XXXX , and fax. Moreover, I specifically informed  XXXX  that my cell phone, along with other things, had been stolen and personally gave you an alternate contact number.     Additionally, I was actually told in  XXXX  that this card was cancelled by a  XXXX  representative and actual items on the card were disputed. Negative information should not have been reported to the credit bureaus if the credit card account was under investigation, and/or I was not aware of the results, and/or I was under the assumption that the card was cancelled.     Thank you.     email :  XXXX  XXXX  XXXX
Product: Debt collection

( ELEVATE RECO ) IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT THAT IS UNVERIFIED AND INACCURATE. THIS IS A VIOLATION OF THE FCRA AND FDCPA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY. IF THIS ACCOUNT IS NOT DELETED WHITIN 7 DAYS I WILL BE SEEKING REMEDY UP TO {$1000.00} PER VIOLATION UNDER THE FCRA AND FDCPA FOR EVERY VIOLATION AND EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ON MY CONSUMER REPORT. I WILL ALSO BE SEEKING FOR STATUTORY AND PUNITIVE DAMAGES AS WELL. I WILL BE TAKING LEGAL ACTION AGAINST ( ELEVATE RECO ) BECAUSE YOUR COMPANY IS THE ONE REPORTING THE ACCOUNT ON MY CONSUMER REPORT. EVEN IF YOU ARE HIRED OR CONTRACTED BY ANOTHER COMPANY, I WILL BE SEEKING AND TAKING ACTION AGAINST YOUR COMPANY. YOU HAVE 7 DAYS. THANK YOU.
Product: Debt collection

I am writing to dispute a billing error in the amount of {$1500.00} on an XXXX XXXX XXXX statement sent from XXXX XXXX XXXX. The amount is inaccurate because when the service was disconnected, I sent a check for over {$500.00} that was returned, which was the total amount due. The service was off, and from my understand there was only the amount for the next month owed that was not {$1500.00}. Im not sure why the account kept being charged after it was not on. I paid the check through a collection agency, and this amount was never credited to the account. I was sent a bill, not an itemized statement explaining the charges. This account has been disputed before, but for some reason this company added it back on my credit report. 
Enclosed is a copy of the bill that was sent to me from Afni. I do not owe this amount. Please investigate this matter.