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

Equifax and XXXX have inconsistencies on a account that they're reporting on my credit report with XXXX XXXX XXXX. 
Equifax has reported that the Balance on this account is {$26000.00} XXXX has the Balance at {$14000.00} both balances are incorrect the true balance is {$11000.00} as XXXX has reported to me proof of this will be downloaded through the CFPB portal Equifax reported the account type as Installments XXXX reported the account type as XXXX XXXX Equifax has reported Repo date as XXXX XX/XX/2023 XXXX has reported Repo date as XXXX XX/XX/2023 Equifax has reported date of last activity XX/XX/2023 XXXX has reported last activity XXXX 2023 Equifax has report the account to be XXXX XXXX has reported the account number to be XXXX These inconsistencies unacceptable and is a violation with FCRA proof of all this is downloaded through the CFPB Portal.
Product: Bank account or service

This complaint is connected to the first complaint I made in regards to PNC Bank. Today my mother and I received a call from an agent who works for PNC Bank. He was asking questions about what the complaint was about and he was using falsehoods and confusing lengthy statements to try to explain what the bank has been doing. When I closed my bank account ( which was in XXXX XXXX 's name and Social Security number since she used to be my payee but no longer is ) I said I closed the account due to " blatant fraud ''. 
A company named Simply Be, who uses comenity bank, has told me that my refund ( which is {$29.00} as opposed to {$36.00} due to shipping fees ) was sent to pnc bank and Simply Be says that it is not their policy to accept any returned money from PNC. PNC tells me that they never received the {$29.00} and if they had received it, it would go back to Simply Be and they will not mail out any checks for a closed account. The money was put into the account on the XXXX ( the PNC account ). The PNC account was closed on last Saturday. No one knows where that {$29.00} went.
Product: Money transfer, virtual currency, or money service

Attempted to transfer funds totaling {$350.00} on XXXX from my personal XXXX account ( via PNC checking analysis account ) to an external XXXX account belonging to a friend and was blocked from doing so by an error stating that PNC has made a change which prevents me from being able to link my accounts. I use this XXXX service frequently and need its use restored. 
PNC and XXXX recommended I file a complaint with the CFPB in order to have service restored.
Product: Credit card or prepaid card

I am trying to settle my mother 's estate but First National Bank of Omaha refuses to release the credit on her account. I have been working on this problem for more that a year when we realized that my mother had XXXX and had overpaid her account. My mother moved several times in the past year and she died XX/XX/2022. I have not received the correspondence that XXXX said they would send to her billing address. Most frustrating is my feeling that if she had a balance on her account then XXXX would be happy to send a statement directly to me. I went to the post office to permanently change her last two addresses to mine. The credit is {$140.00} and I realize that this is not the most important problem in the world, but I wonder how many seniors have overpaid their accounts, and do their families even know about it? 
I can provide digital files of cc statement, death certificate, and poa. 
Thank you for your assistance. 
First National Bank of Omaha phone : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The family of XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/21 I was buying a new router on the XXXX store and it offered split payments. There was no indication from Synchrony that I would be applying for a credit card at any stage of the process, and it appeared to be more in line with XXXX or XXXX. 

However, I immediately got several emails and notifications alerting me to a credit check, and was then shown a screen that I had been approved for a card. I immediately called the number from Synchrony asking if this had been me to try and get this fixed, they were rudely adamant that there was nothing they could do
Product: Checking or savings account

The end of XXXX beginning of XXXX I did not recognize a transaction on my 5/3 XXXX prepaid card to where my XXXX dollars was transferred from my checking to my card I called XXXX as I was on my way to the bank the young lady I was speaking with decided to place a fraud alerts on my card which intern blocked me from retrieving my money by the time I made it to the bank I was told that it would take 45  days in order for me to receive my money I have waited the 45  days which was XX/XX/XXXX and steel as of XX/XX/XXXX I am unable to retrieve my money from XXXX XXXX XXXX  card they continue to give me the run around now Im being told that it can take up to 90  days I have explained from the beginning that I made the transaction by mistake and that I had my XXXX card in my Possession and that I never ask for a fraud alert to be place on my card. I keep getting the runaround from them no one can tell me why I cant retrieve my money from them. Its a Constance different story every time even after trying to resolve this with 5/3 today after being in one of there branch for over an hour no one could explain why they are holding on to my money. I dont wont to wait another day on them to release my funds. I receive updates on my XXXX card on the amount available but it it really not available because they have a hold on it.
Product: Mortgage

I have contacted XXXX Bank CEO XXXX XXXX several times to save our home. I have asked to work out a deal to purchase the house from the bank because I bought this home from someone and it is a nightmare for my XXXX XXXX XXXX mom and my XXXX grandkids. XXXX is referred back to Wells Fargo and Wells Fargo is saying that XXXX Bank is the owner the loan. All I want to know is what they will take for the house is needs a lot of work and the roof repaired.
Product: Debt collection

My public record is showing a bankruptcy on my credit that does n't belong to me, it was my ex-wife 's. It was disputed by XXXX and I sent a letter to XXXX disputing it as well and was removed almost 2 months ago. About 2-3 weeks later, it showed back up on all XXXX credit bureaus again after I had received confirmation that i had been deleted. Ditech Financial, the bankruptcy company, had it put back on, and They are n't even the ones who the bankruptcy was with initially with my ex wife.
Product: Debt collection

According to The Fair Credit Reporting Act FCRA Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b. 2. Company has also no permission to report anything using my information pursuant to 15 USC 1681 4
Product: Debt collection

I reviewed my credit report and found a paid collection from Receivable Management Systems company in the amount of {$350.00}. According to my credit report, they were attempting to collect for XXXX XXXX. I do not ever recall going to XXXX XXXX for care.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Account # XXXX Dear CFPB, I am writing to formally request validation of the debt being reported by NATLCRSYS. I would like to obtain an itemized list that clearly outlines the amount I owe, including the original creditor 's name and the date of the first delinquency associated with this account. 

Additionally, I would like to know the details regarding the deposit I previously paid. Specifically, I am requesting clarification on what this deposit covered and how it has been applied to my account. 

I expect to receive this information within the time frame allowed under the Fair Debt Collection Practices Act ( FDCPA ). If I do not receive the requested validation and information in a timely manner, I will be compelled to file a report with the Federal Trade Commission ( FTC ) to address this matter. Furthermore, until this information is provided, I request that you cease and desist any collection activities related to this account. 

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

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

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, Transunion, and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Product: Debt collection

I told the debt collector that I do not own this debt and it is up to their client to prove I owe the debt. I never did business with XXXX XXXX and never had an accident with XXXX of their insureds.
Product: Money transfer, virtual currency, or money service

My phone was stolen and hacked into using my on the XX/XX/2023 and on XX/XX/2023 a XXXX transaction was made for {$470.00} i was not in possession of my phone at all because it had been stolen and i provided paper documents that report that i was not in possession of my phone when those transactions were made. Chase bank refuses to give me a refund even though i provided them with proof that my phone was not in my possession when those transactions were made.
Product: Credit reporting or other personal consumer reports

I would like to bring to your attention that I have sent multiple letters requesting this information, none of which were answered within the legally specified timeframe. This continued non-compliance is not only frustrating but also a violation of federal law. Your failure to respond appropriately within the specified period has left me with no choice but to seek resolution or remedy through alternative means to which I am legally entitled. This is a formal request under the FCRA, and I anticipate a response within two weeks. Non-compliance with this request within the specified timeframe will be regarded as a violation of federal law, necessitating further action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse. 
I appreciate your prompt attention to this urgent matter and look forward to receiving a detailed method of verification for the disputed item ( s ) at your earliest convenience. 

Thank you for your cooperation. 

Sincerely,
Product: Payday loan, title loan, personal loan, or advance loan

There is a recording that was sent to XXXX XXXX, in all fairness to the employee, i will not upload it with this complaint. This recording was Tuesday XX/XX/XXXX aXXXX XXXX XXXX, XXXX called me on XX/XX/XXXX to tell me that the modification was denied. When we discussed making a payment before the end of the month, no late charge was discussed, so based on you i reached out to a friend and borrowed just enough to make the payment before the end of month and now you are telling me that i will still be late because my payment will go to the late charge before anything so i am still short on my payment. I am not upset because I was denied, I think it's unfair and eventually unless something changes, this loan will go in default or some other method of working through it. I am upset because you and the other lady last year kept telling me things that weren't true and then when it blew up in my face you told me that you didn't know. How do you expect me to know the rules of your company, i thought we were talking to resolve the issues, but every month you and the other lady told me this would be a permanent deviation and then when that didn't happen I was told oh the next one will be, this went on for 12 months. I don't like feeling like I have been treated like a fool. I have tried to work out something with the XXXX, Tennessee team and I was mislead and other options that were available to me before, are not now. They didn't do anything to assist me when I was laid off from my job and as I try to rebuild, they aren't doing anything to assist me. And every time i think we have this under control it blows up in my face, and all i was told by the employee, is " I didn't know how the process worked '', then i was called on XX/XX/XXXX and asked if i could pay the remainder of XXXX before the end of month, i said no, i didn't have it. I called a friend o XX/XX/XXXX and they loaned me some of it, the remainder put my account negative with a {$30.00} overdraft fee, so i can't afford the {$9.00} late fee, and XXXX told me that my payment that i borrowed would be applied to the late fee XXXX so my XXXX payment will still be short and i will be reported to the credit bureaus. I am tired of getting partial information from people that don't know there own policies.
Product: Checking or savings account

This bank treats me horrible i have all their emails they provide mis understanding information the last letter I received they say I cant bank with them previously they say its XXXX inquiries I told them Im a victim of identity theft their very rude and nasty their is a lady their that on the letter has a number she had been emailing me as well and she wont return my calls leave voicemails I just want to bank with them and have a checking account I dont understand why they give me such a hard time both online and at the branch whats preventing me from opening an account with this bank why wont they be nicer to me to get this resolved why ignore me and be nasty
Product: Vehicle loan or lease

I had applied for a vehicle through XXXX back in XXXX. When they delivered the vehicle I didn't receive a copy of the title or NO paperwork on the vehicle. At the time I was working at the department of motor vehicle and I did a title registration search and the XXXX truck was never registered in my name. On my credit report, it's reporting a charge off in the amount of {$18000.00} from Bridgecrest, by XXXX. I DID NOT purchase the car from XXXX. I have tried to dispute and contact Bridgecrest. The response was to fill out a fraud report. I would like this collection disputed because the vehicle was never registered in my name. I do not have possession of the vehicle. A representative called from BridgeCrest, and said they were picking the car up at the XXXX place in XXXX, MS where the transmission went out. I do not have possession of it. I was told someone picked it up and it wasn't me.
Product: Mortgage

This loan exist as Adjustable Rate Mortgage with XXXX XXXX XXXX XXXX since XXXX. Interest rate is calculated using a published index The XXXX XXXX Offered XXXX ( XXXX ). XXXX is being discontinued after XX/XX/XXXX XXXX, A replacement index based on the SOFR secured overnight XXXX XXXX will be used after XX/XX/XXXX. 

Who is responsible and how they will implement the transition? 
According the Regulations Implementing the Adjustable Interest rate ( XXXX ) act a rule by the Federal Reserve XXXX on XXXX transition should happened. 

According the note the interest rate change every XXXX mounts. XX/XX/XXXX rates ends. 
Interest rate is schedule to change again with payment on XX/XX/XXXX to XXXX this 6 months period mast transition to a replacement index based on the XXXX. 
Multiple calls to loan servicer regarding that issue was interpreted that I do not understand and I am misinformed and there is no transition. Loan is going to continue with interest rate calculated using XXXX.
Product: Mortgage

XX/XX/XXXX we signed an agreement for XXXX XXXX with XXXX XXXX c/o RENEW FINANCIAL Group LLC for solar panels with XXXX XXXX. There are two separate parcels in XXXX County ( XXXX & XXXX ). XXXX was sold to XXXX XXXX XXXX ( an intermediary I think ) then was eventually acquired by XXXX XXXX XXXX. Renew Financial dropped the financing because they could not contact " XXXX XXXX XXXX ''. I spent hours talking with Renew Financial about XXXX XXXX XXXX but they could not find it and I thought I gave them information. Actually I it was all straightened out in XX/XX/XXXX. In XX/XX/XXXX, I was called by XXXX XXXX XXXX who said we need to get new financing on both projects. I was told Renew Financial could not finance any " completed '' projects. These projects were completed XX/XX/XXXX. XXXX has had the one at XXXX up and running since XX/XX/XXXX. Their true-up was XX/XX/XXXX. XXXX had the one at XXXX turned on XX/XX/XXXX. XX/XX/XXXX was our true-up. Now we have no financing because it is completed. I think Renew Financial should been able to talk to the new owners without my help.
Product: Debt collection

Hampton Roads Finance Company LLC has not responded to the last complaint and is still illegally attempting to garnish my wages through my employer and violating the Dodd-Frank Consumer Protection Act. While serving XXXX XXXX around XXXX was sold a XXXX XXXX XXXX with high mileage and engine issues through Hampton Roads Finance Company at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) XXXX for {$15000.00}. The vehicle was voluntarily surrendered after falling behind in payments since I had to pay for repairs and was only making a XXXX salary in the XXXX XXXX XXXX. Which at the time they threatened and contacted through my XXXX chain of command which instructed me to return the vehicle. They wrote off the account at {$10000.00} and sold the vehicle at auction at an unknown price. Today I am a XXXX veteran on a fixed income and they have and are still threating contact through my current employer 10 years later and threating legal action if they don't garnish my account on their behalf. They have so far received over {$11000.00} of my salaried money using this illegal tactic. They have told my employer I owe them {$43000.00} for a vehicle that would only be worth between $ XXXX {$4900.00} based on XXXX XXXX XXXX XXXX. The contact that works for the company illegally operating is XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

I did not receive any initial information of debt to XXXX nor their management company Resurgent, to have been able to dispute said debt. Did not know about either company until it showed up on my consumer credit report. Nor was I informed of it being managed by another company until I filed my prior complaint. So twice for the same company I was denied my legal rights. No knowledge what so ever. I filed against to protect my consumer rights under the FCRA and FDCPA. The account is listed as a charge-off however also states its an open account, therefore, misleading and false information is being reported on my consumer credit report. FDCPA 1692 ( 807 ) ( 2 ) ( A ), ( 807 ) ( 10 ) ( 11 ), ( 809 ) ( a ) ( 1 ) ( 2 ). FCRA 1681c ( 602 ) ( a ) ( 3 ), ( 602 ) ( b ), ( 607 ) ( a ) ( b ), ( 609 ) ( c ), ( 611 ) ( 5 ) ( i ) ( ii ) ( C ), ( 623 ) ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ). The violations within the complaint are against my consumer rights and require immediate deletion from all reporting credit bureaus. This includes both XXXX and Resurgent. I look forward to my rights being upheld as stated in the statutes of both the FCRA and FDCPA.
Product: Vehicle loan or lease

Good Evening ; I was shocked when I reviewed my credit report and found late payment on the dates below : I make my payments on a monthly basis directly from my bank account. I'm confused how it showing late for the dates below .... 

XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX/XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

On XXXX using WePay, I requested payment for XXXX invoices for work performed totaling {$26000.00}. All XXXX invoices were sent to one customer, due to performing work in a mobile home park. Each invoice was for a different lot. which is labeled on the individual invoices. Wepay believes that my transactions are to high risk to release my funds to me or refund my customer. If i am a high risk, why not release the funds strait back to the customer that made the payment?????? 
Customer made payment through WePay. 
XXXX days later WePay notified me through e-mail that they cancelled my withdrawal of the money and the funds were added back to my balance. Then they said they closed my account. 
They said they were holding my money for another XXXX days then there would be another review. 
On the XXXX day I emailed WePay and they responded back that they will not be releasing the funds held in reserve. It also said that the account will remain closed and they will continue to hold the money. 
WePay by JP Morgan will not provide a telephone number or address. They only respond by email. Everything is robotic. They will not go into any detail. I can not get any information explaining why they are holding my hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting late pay for XXXX 2022 when the other XXXX XXXX are reporting on time. Correct this inaccuracy immediately. According to federal law, everything is supposed to be accurate on my report. Even the balance is incorrect. Update immediately.
Product: Payday loan, title loan, or personal loan

XXXX of 2020. I purchased a airline ticket with Affirm. To fly to Virginia in XXXX of 2020. I started my payments to Affirm in XXXX XXXX, 2020. 

My state of New Jersey started to require to be 6 feet away from another human, which meant I could not seat on a plane next to another human. The enclosed space could cause me to contact Covid19. My state also started a self quarantine, and I did not want to break the rules. I had been coughing and I had not been able to be tested based on lack of test. 

I contacted Affirm for a refund for my airfare. They denied me a refund. Which wasn't fair based on what the country was going through. I never used the Ticket and never was offered another Ticket for a later date. 

My money was stolen from me and the information was put on my credit report which has destroyed my credit. I'm am reporting fraud on this company and want their information off my credit report. 

They had no empathy for the Pandemic at the time in early 2020, and did not care and only wanted their money, for a flight I never used. 

It was a state quarantine happening and Affirm did not care about that situation.
Product: Credit reporting or other personal consumer reports

XX/XX/24 I can not remember my Experian username & password. When I try to do online, and click Forgot username, Experian informs me they sent a link to an email address that I have never had. I tried the other option to receive a text and enter my phone #. I never received a text. Automated system said I needed to send a letter to Experian and I could not speak to a person. 
XX/XX/ I wrote to Experian and advised I wanted to confirm credit freeze and reset my username and password. I sent them screenshot of incorrect email address and that I also never received a text to cell phone XXXX  I provided. I included all the information that the automated system said to provide - copy of driver 's license and utility bill confirming my name and, address. I asked Experian to contact me by mail, email, or phone and provided each of these in the letter. 
XX/XX/24 Experian sent me letter confirming security credit freeze in place. 
XX/XX/24 I sent a copy of my original letter to Experian and advised their response only confirmed security freeze. No instructions on how to change my username & password. Again, provided copy of driver 's license & utility bill. Asked for help with this. 
XX/XX/24 Two months later have never heard from Experian from my 2nd request. Please help. Thank you