23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXXXXXX XXXX ( exact date unknown ), I submitted a formal request via XXXX XXXX XXXX XXXX XXXX website XXXX XXXX XXXX XXXX  ) seeking detailed information regarding a debt they are attempting to collect. Specifically, I requested the following : - The original amount of the debt ( initial balance owed to the original creditor ). 
- An itemized list of any payments made on the account, including dates and amounts. 
- A detailed breakdown of any interest, late fees, or other charges added since the debt was charged off.

- Verification of the debt, including documentation proving that the debt is mine, such as copies of the original agreement or contract with the creditor.

- The name of the original creditor, along with written notification that XXXX XXXX XXXX XXXX is either the owner of the debt or acting as an agent on behalf of the original creditor. 

Despite this, I received no acknowledgment or response from XXXX XXXX, XXXX even a confirmation that my request was received. 

On XX/XX/year>, I submitted a second request through their website. In response, I received an email stating, we are unable to locate an account with the information provided. I promptly replied to this email with the debts Reference Number, which XXXX XXXX had mailed to me previously, and requested the same detailed information for a third time. This email was sent to a valid address ( not a " no-reply '' address ), but they failed to respond. 

As a consumer, I am within my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request this information, and XXXX XXXX XXXX XXXX is required to provide it without delay. Their failure to respond appropriately or provide the requested documentation is a violation of the FDCPA and undermines my ability to verify or dispute the debt. 

I am filing this complaint because XXXX XXXX XXXX XXXX has disregarded my lawful requests and neglected their responsibility to provide the required information.
Product: Checking or savings account

I'm trying to link my bank account to a third party investment app ( XXXX  XXXX and keep getting an error message that " PNC has recently made changes that prevent me from linking my accounts ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letter of dispute i have no heard any thing back. Car loan i paid off reporting. I have inquiries i never give permission for. I have late fee that should not be late if the loan is fully paid off. i have credit cards report late and they are up to date. i am not receiving points for paying things off
Product: Debt collection

AMSHER COLLECTION has damage my credit score I have no ideal who or what this company is, and I have no signed contract. They have on my credit report from all three credit bureaus that I owe them {$710.00}. I have no ideal who or what they do can you please help removing this unknown debt off my credit report. I have tried to dispute it on my own on XX/XX/2019. And my dispute reason was ownership and I have no knowledge of the account.
Product: Credit reporting or other personal consumer reports

I have been unable to access and dispute my credit information online through TransUnion portal. Their disputes are also not responding to my written letters. I am disputing a late payment on my auto loan with XXXX XXXX. They are reporting that I am late in XXXX of XXXX. I was not late in XXXX of XXXX. I have attached a screen shot of my payment history and the cleared payment from my bank account.
Product: Checking or savings account

In early XX/XX/XXXX I opened an 'Everyday " checking account with Wells Fargo online. I completed direct deposit activity to receive a bonus on XX/XX/XXXX. I withdrew the funds to another account on XX/XX/XXXX, creating a XXXX balance. On XX/XX/XXXX my account was closed with a transaction description of 'CLOSEOUT - NON-INTEREST BEARING '. I did not receive notice of the closure. On XX/XX/XXXX I contacted Wells Fargo customer service via phone. I did not receive an explanation from Wells Fargo about the specific meaning of the transaction entry or guided towards specific documentation. I was told the closure was in response to 60 days of account inactivity. The account was due to receive a bonus payment for the completed deposit activity around XX/XX/XXXX.
Product: Consumer Loan

I was told by the auto repair company that I was getting a line of credit with the actually repair company not a lending service, and then when they repaired my vehicle, they cracked my windshield, put no transmission fluid in my vehicle nor oil, weeks later my entire truck broke down. I informed that that I would not be paying for those services until my vehicle was repaired. My vehicle was never repaired causing me to have to junk it and now me and my XXXX kids are without transportation.
Product: Prepaid card

my cash app card was transferred {$1400.00} when I disputed it with cash app they told me it had already gone through and would not give me a refund. this is fraud. i also disputed this with my bank. my cash is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted the inaccurate account reports and my identity theft to the credit bureaus and they have not done anything at all. I am a victim of Identity theft. unfortunately XXXX  XXXX XXXX XXXX XXXX XXXX picking my dog up from doggycare and my wallet, purse, phone, and dog was all stolen. In my wallet was my ID and social security card among many of other valuables. I did not get to see my attackers face as they approached me from behind while I was kneeling to clean up my dogs mess after she relieved herself. I noticed this problem XXXX, 2022 I am writing to delete the following information in my file. The items I need deleted are listed in the report, i am a victim and i did not make these charges I ask that these items are deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law. 

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

In XX/XX/XXXX a charge appeared on my Barclay Master Card for {$31.00} to XXXX. The charge was incurred in XX/XX/XXXX. 

I informed Barclay via a written dispute. I disputed this inXXXX, the same month the charge appeared on my account. This month ( XX/XX/XXXX ). Barclay notified me that they tried to call me to get my permission to close the account. According to Batclay, this is the only way to remove this bogus charge.

There are 3 things wrong wrong with this : ( 1 ) Banks dont need customer permission to close charge accounts. ( 2 ) An unauthorized or fraudulent charge can be removed without closing the account. ( 3 ). Barclay didnt try very hard to call me for my permission because I never got a call from them. 

In short, this appears to be a dodge to avoid removing a bogus charge from my account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXXXXXX Account number : XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) Account number : XXXX
Product: Payday loan, title loan, or personal loan

The interest is over XXXX percentage I think it was supposed to be less
Product: Debt collection

I have attached my FTC report with all debts I have found so far and amounts listed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

They are keep calling to my work. I don't think is appropriated. is constant, I already told them, I can loose my job if the keep calling,
Product: Debt collection

Sent emails about four times asking for more information and to prove debt belonged to me. However they have recently sent another letter and have threatened to suspend my license and my requests have gone unanswered
Product: Credit reporting, credit repair services, or other personal consumer reports

After dealing with XXXX Bank on a Auto loan incorrect reporting to the credit bureus. Loan was Paid off in FULL XX/XX/XXXX of XXXX. They are marking XXXX of XXXX XXXX late even though I had spoke with multiple Reps on phone over weeks leading up to sale of truck that I was in process of selling truck and it would be paid in full. Truck was sold on XX/XX/XXXX I called XXXX BANK that day ( XX/XX/XXXX ) to ask if I should make XXXX payment being it would be 30 days on XX/XX/XXXX. Their response was it was not needed and they will make note of account to state vehicle had been sold and payoff was being sent. This didnt happen and 30 day late mark went on my credit EVEN though before it was reported as " late '' they recived full payment for the vehicle before they marked it as late, I got the alert around XX/XX/XXXX and by that time they had already had full payment for the truck. And the payment the are marking late is the last payment which was included in the Payoff. I was never late on any payments to them leading up to this, I kept in contact with them to make sure nothing would be marked late and even offered to make payment day of to avoid a 30 day. I was assured it would be noted on account that vehicle was paid off in full and assured no negative marks would happen. After speaking with them again and again I am told that those " cutomer services reps '' do not have the authority to make those calls. Well when I am told by a rep of their company the above how am i suppose to know I need to go to a different person that makes that decision when it was never offered to me. I have spoke to multiple people now at XXXX BANK and they all tell me they agree with what happened wasnt right, but they cant change what was reported. Attached is a copy of the sale of Truck on XX/XX/XXXX For the XXXX XXXX XXXX They have also reported to the 2 bureaus incorrectly/different on what month. Than on XXXX shows paid as agreed Equifax it shows it was XXXX payment XXXX Shows XXXX XXXX Shows " Paid, Closed ; was Paid as agreed ''
Product: Debt collection

On XX/XX/2021, I received a letter from Credit Corp Solutions , IncXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX claiming that I owed {$990.00} in unpaid debt because a person named XXXX XXXX residing at XXXX XXXX XXXX, XXXX, MA XXXX failed to pay XXXX with a XXXX XXXX. credit card. 

I responded in writing with a certified letter that I am not this person, have never lived at said address and never had a XXXX credit card or had an account with XXXX. 

Credit Corp Solutions wants me to sign a document notarized indicating that this is fraud. They must determine fraud not me. My letter to them states as much. See letter attached. XXXX XXXX continues to send me demands for proof.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX C/O Early Warning XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX Dear Sirs : I have received a copy of my Consumer Report. There has been erroneous information being reported to Early Warning by Chase Bank. 
Contributor : XXXX XXXX XXXX Name : XXXX XXXX XXXX ID # : XXXX SSN/Tax ID # : Phone : XXXX Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX of XXXX : XX/XX/XXXX Bank XXXX # : XXXX Account # : XXXX Incident Date : XX/XX/XXXX Principal Loss : {$460.00} Paid/UnPaid/Settled : Unpaid Contribution Reason : Account Abuse Contributor : XXXX XXXX XXXX Name : XXXX XXXX XXXX ID # : XXXX XXXX ID # : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX XXXX Date of Birth : XX/XX/XXXX Bank Routing # : XXXX Account XXXX : XXXX Incident Date : XX/XX/XXXX Principal Loss : {$470.00} Paid/UnPaid/Settled : Unpaid Contribution Reason : Account Abuse These dates of incident aren't true. Please remove this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a delinquent loan on my credit report stating that I had a {$390.00} balance for XXXX. Im confused because I have not used XXXX at all. My XXXX has recently been giving me notifications saying that my data has been compromised. Im worried that I may be at risk for identity theft. I did not open this XXXX account and I did not use it to purchase anything.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account ( XXXX XXXX ) that was not reporting accurately on Equifax, XXXX, and XXXX, Equifax XXXX and XXXX are all reporting ( XXXX XXXX ) inaccurate listed twice with XXXX different accounts when I only have XXXX account with ( XXXX XXXX ) and are reporting I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint with the dates included and I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. Equifax, XXXX, and XXXX are showing inaccuracies on this account ( XXXX XXXX ) and isn't following the law according to 15 U.S. Code 1681e - Compliance procedures. And section ( b ) Accuracy of report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon investigation of my credit reports I ran across the following unauthorized inquiries. I have already disputed the inquiries and XXXX, Experian and XXXX stated that the inquiries were validated despite me sending in identity theft report. I did not authorize or make the following inquiries please remove from my credit reports : Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX F XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX CARD SERVICE XX/XX/XXXX 2018
Product: Mortgage

This loan originally started out as a land loan from National City Mortgage in XX/XX/XXXX for XXXX and bought out by PNC. When my husband was laid off in XX/XX/XXXX we then did a loan modification for the remaining XXXX split in payments of the first XXXX and balloon payment of the 2nd half of XXXX at the end of 15 years. In XX/XX/XXXX we had a private investor ready to release funds at the title company to help finish building our half built home on the property. Everything was at the title company and PNC refused to subordinate. We can not qualify for a construction loan with any bank because we already began building and our funds are limited where a private investor is more willing to help. We have XXXX children and XXXX with XXXX XXXX XXXX and we are just trying to get this house built so we can sell it to provide accurate medical care for our XXXX XXXX. 

XX/XX/XXXX we received a denial for the subordination and application for loss mitigation. We then got a verbal approval on XX/XX/XXXX for loss mitigation over the phone by XXXX at PNC. 

We got the XXXX paperwork XX/XX/XXXX of which 5 of the 6 pages continued to reference " loan modification '' and one page referenced not being approved for " loss mitigation ''. Even though we clearly applied for a loss mitigation. 

XX/XX/XXXX myself and my husband received separate letters of " Statement of Credit Denial ''. It explained that they can not grant our " loan modification '' at this time, even though we have never applied for one. At this point I had not mailed my XXXX paperwork for the contract because of the wording and unclear proposal by PNC. 

XX/XX/XXXX I called XXXX first thing in the morning with no returned message. 

XX/XX/XXXX I received Disclosure of Home Valuation from PNC. It valued our XXXX acre in XX/XX/XXXX at XXXX and in XX/XX/XXXX it had dropped to XXXX based on other sales around the area. We currently owe just under 100k now. 

By XX/XX/XXXX I emailed XXXX at PNC and still no response by ending business day. 

I am very confused with the paper work and their run around. XXXX told me on XX/XX/XXXX not to make my XX/XX/XXXX payment which concerns me since we have always been current, no matter how hard it makes it on our family financially. I am working with a real estate finance team and they said PNC has been known for doing shady work. I do not want to sign anything I do not understand and they do not want to explain it to me. This property is costing my family more money than it 's worth at this point. We have XXXX sick kids and it is becoming a financial burden the longer the half built home sits there. The sad thing is, they could have had all their money if they had just subordinated and let us build the home and sell it. Now, they 're in jeopardy of getting a half built home that 'll be foreclosed with no current permits since I wo n't be renewing if I ca n't get any help. Why should I put a bigger financial strain on my family with all the trips to XXXX XXXX hospital for a property PNC wo n't allow me to finish developing?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Please provide me with all the information you used for your investigation, as required FCRA 611 ( a ) ( 7 ) This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) ( 7 ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

I am requesting the method of verification for the disputed accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX documentation used to verify the dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sd XXXX XXXX documentation used to verify the dispute I request that you send me this information so that I know that the investigation was in fact conducted properly.If you are unable to respond in a timely manner and/or provide me with the requested documentation, please delete the accounts from my credit report.
Product: Student loan

This is a predatory loan by Discover. Loan ( s ) were taken out in 2011. I have paid nearly {$65000.00} over XXXX years on 2 loans that were for a total of {$49000.00}. I STILL owe over {$36000.00}. They refuse to lower my monthly payment and it is destroying my credit and crushing any hope of owning a home/starting a family. 

Here are the details : XXXX XXXX - XXXX 8.625 % ( this is the current rate ) - variable XXXX XXXX - XXXX 11.125 % ( this is the current rate ) - variable Discover states that the terms ( including variable rates ) were disclosed during application process, which is probably true, however I am just finding out about this now. I admit I was young and inexperienced when I took these out and don't remember the conversations during the loan process but I have never once been told that these are variable rate loans.