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

I had a bank account with XXXX, a mobile online bank that was affiliated and funded by their parent bank, PNC Bank. All of my accounts had PNC Bank listed as the bank when I made transfers and deposits. 

In XX/XX/XXXX, I received an email from the bank ( XXXX ) indicating that the bank account would be closed. They gave a support email and phone numbers. They indicated that I would still be able to access information online for tax purposes and disputes. I attempted to do this but was not able to access the information. I called all of the support numbers and they gave me the same number to contact that I reached them on and the email address previously sent. I also tried emailing the company and the email does not work. The mobile app also did not work. I received an email in XXXX saying a final account disclosure would be sent to me but this was never done. 

After filing my taxes, I realized that there was an inconsistency with my employer and the deposit records. In order to fix this with the employer, so I would not overpay taxes, I need to present my bank statements from XXXX. The XXXX email also indicated that PNC Bank ( the parent bank ) after XX/XX/XXXX for future assistance. I attempted to contact PNC Bank on XX/XX/XXXX, since I could not reach XXXX and was told that I needed to visit a local PNC branch who would be able to access this information for me. I went to PNC Bank locally in XX/XX/XXXX and they informed me that they did not know how to access the account. I elevated this to customer service via the clerk and they also could not assist me with receiving this information and would not elevate this to higher personnel. 

I am concerned as since this account was FDIC insured and required by law to have statements on file for several years, there should be a way to access this account. And if not, PNC should be fined for not following federal law for accounts to which they assist in holding funds. I am seeking assistance in getting my banking history.
Product: Credit card or prepaid card

I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2015 and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Problems with account I have recently resubmitted a payment that I made before. 

I had been in contact with a XXXX XXXX, but she will not be back until the XXXX of XXXX and I also don't know that she is in management and able to handle my request. 

Below our attached the proof of payment, and it was sent overnight. 

The payment was sent over a month ago the FIRST time, and the post office confirmed that it was received to the post office box address. ( It was sent priority mail with tracking. ) But, the company denies receiving it. 

I had to pay extra fees to resolve this situation, including express mail to send to you, as well as the price for a money order to be reissued. 

I have maintained receipts of all of the added expenses because of my The company 's losing the payment that I sent in. 

Attached are the proofs of payment FOR BOTH THE FIRST AND THE SECOND PAYMENT, as well as the price for a money order Trace to be refunded for the check that the company lost.
Product: Credit reporting or other personal consumer reports

PLEASE VERIFY THIS ACCOUNT, BECAUSE THIS INFORMATION IS INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a new account and deposited my paycheck to Huntington. Within 24 hours without being told why or that it was even happening they freeze then closed my account. After extensive questioning Im told I can go in to a branch to receive my check. Once I go in Im told I cant get my money they have to mail it to me. From day one theyve denied me access to my paycheck even after its clearing. Now Im being told that even though theyve cashed my check I have to wait a week for them to mail me a check for the funds. This has caused me extensive late fees, possible disconnect, and made my son miss his scouts events because I couldnt even get gas.
Product: Debt collection

I cancelled my XXXX XXXX XXXX home internet service via phone in XXXX of XXXX. I spoke to their customer service a total of 4 different times. 
In XXXX of XXXX, I spoke with a representative named XXXX who gave me this cancellation number : XXXX and also this call confirmation number : XXXX When I still received a bill later in XXXX, I called on XX/XX/XXXX and spoke to a supervisor, named XXXX, who gave me this additional cancellation confirmation number : XXXX I also received confirmation via email that XXXX XXXX XXXX received their equipment that I returned through the mail. 
When I received an additional bill on XX/XX/XXXX, for {$94.00}, I once again called customer service and spoke to a representative named XXXX in XXXX, Arizona, who told me to " Disregard the bill '' and that my account was closed and paid in full. 

In XXXX of XXXX, I received a notice from XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, saying that I owed XXXX XXXX XXXX {$110.00}. I disputed that debt via email with the above information, and received a confirmation email on XX/XX/XXXX from XXXX XXXX XXXX stating " Your account was credited in full and returned back to XXXX XXXX XXXX on XX/XX/XXXX. '' Despite this, on XX/XX/XXXX received another debt collections notice in the mail from a different collection agency, called XXXX XXXX XXXX XXXX, mailing address XXXX XXXX XXXX, XXXX, XXXX XXXX, phone : XXXX, for the same {$110.00} debt, that had been supposedly " credited in full and returned back to XXXX XXXX XXXX XXXX'. I responded to this notice via email on XX/XX/XXXX with all the above information.
Product: Debt collection

I AM A VICTIM OF IDENTITY, THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX ACCT # XXXX THIS ACCOUNT WAS PREV IOUSLY INVETSIGATED AND REMOVED THEY SOLD IT TO ANOTHER COLLECTION AGENCY. 

CREDITORS OR COLLECTION AGENCIES IF THEY TRY TO RE AGE YOUR ACCOUNT BY UPDATIND THE DATE OF YOUR LAST ACTIVITY ON YOUR CREDIT REPORT WITH THE HOPES OF KEEPING NEGATINE INFORMATION ON YOUR ACOUNT LONGER.
Product: Credit reporting or other personal consumer reports

Sincerely, [ Name : XXXX XXXX ] Enclosures : Copy of Credit Report with Disputed Items Highlighted Supporting Documentation This letter directly incorporates the issues identified in the CFPB lawsuit and references your rights under the FCRA to demand compliance and corrections. Let me know if you'd like further customization! 

To remove the negative account corrections or deletions.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA Inquiry : XXXX XXXX, 2016 I never authorized nor was I interested in obtaining credit with any company associated with this creditor ( Citibank ). I called the company over 2 months ago and was assured this inquiry would be removed because my information did not match their records but this hard pull has not been removed yet. I waited enough time for this issue to be resolved already. Your assistance will be greatly appreciated. Thank you
Product: Credit card

My credit card was paid off with the closing of the sale of our home. The title company sent Capital One a check, check number XXXX. This check did not post so the title company ( XXXX XXXX ) placed a stop payment on it on XX/XX/XXXX. A second check was issued by XXXX, check number XXXX and I mailed it with overnight postage. It cleared on XX/XX/XXXX. Repeatedly Capital One will reverse this payment stating that both checks had stop payments on them. This is not true, clearly one did and the other posted. Finally on XX/XX/XXXX I received a letter from Capital One stating the payment was deducted in error. I thought it was over. Now as of XX/XX/XXXX they have once again made a " payment adjustment '' and the payment has been reversed again. I need help getting this resolved once and for all.
Product: Debt collection

I have no acknowledge of this account and I was a victim of Identity theft. Please take this off my record this really getting ridiculous. I have tried to reach out to the this company numerous of times no ANS
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to XXXX XXXX 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Debt collection

This company has reported a debt to the credit bureaus that has previously been removed, I had requested documents supporting their claims but no documentation has been provided. Further more the collection agency has reported this debt without out contacting me and providing me an opportunity to dispute the claim prior to reporting as required by law. The collection agency is in violation of the fair credit act and is not operating in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

After getting an update from Experian that my school dropped I pulled it myself and saw that XXXX XXXX was reporting me that was 7 times late. And It showed the months of XXXX - XX/XX/2017. I went and pulled my bank statements and showed that i WAS NOT LATE.
Product: Credit card or prepaid card

Previously disputed charges are mysteriously reappearing on my monthly statement. XXXX XXXX {$500.00} and now XXXX for {$37.00}. Both of these charges were to be discharged yet Citi still is trying to collect what I do not owe. The XXXX from XXXX  was a hold on a car that was over paid. The XXXX  was for a meal not received. Both have been disputed but citi will not honor the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a temporary credit freeze with experian to protect by identity. I have been attempting to unfreeze it using the Pin number experian originally provided when I place the freeze. However it does not work. I have been spending hours navigating the website and tried calling the number provided. There is no ability to speak with someone on the phone and the options to navigate through the website or phone options were not fruitful. In case I am using the wrong userID or password, I asked to have it reset but Experian then asks for my birthday and social security number to verify my identity. It says my social security number and birthday do not match ( which they do! ). 

The other two services- XXXX and XXXX took 30 seconds to unfreeze. I have been spending four hours to unfreeze Experian and I am not able to. 

Unfortunately I have not been unsuccessful and I was attempting to open a new store card to purchase merchandise to take advantage of sale offer and it has now expired because I could not get this temporary freeze lifted.
Product: Credit reporting or other personal consumer reports

I would like to report all three credit bills for allowing companies to report on my credit score. According to USC 1666 ( B ) ( a ) there is no reporting of late payments to a consumer report there should not be a report of late payments whatsoever. I have reached out to all three credit reporting agencies and dispute it nothing has came off as well as all of the companies that are reporting technically they are reporting illegally according to the law stated above I would like my report to be reinstated back to where it was at XXXX prior to them reporting late payments which is technically against the law according to the commercial code stated above
Product: Credit reporting, credit repair services, or other personal consumer reports

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


Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.

C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

In XXXX XXXX  I found mail from two different banks, Discover and XXXXXXXX XXXX XXXX It was two credit card bills in my name totaling over {$10000.00} in balances, but I never opened these cards. I also found out that I had a XXXX XXXX account in my name, which I also did not open, and it said these two accounts had been open since XXXX  While the payment history is timely, my credit score plummeted because of these fraudulent accounts. 

Today, I called Discover to notify them about the fraudulent account, and they told me that I may report this as fraud but did not inform me how to do it. Thankfully, my granddaughter researched it for me, and we were led to this page through the Federal Trade Commission 's website. 

I do know the person who did this, but I am afraid to have a conversation with them or even share their identity because I care about them and do not want them to get XXXX However, I want these accounts closed and removed from my credit report, and I do not want to be liable for these debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I sent letters requesting that the accuracy of the information on my credit report be investigated. After 30 days the information came back verified. Once information came back verified, XXXX XXXX contacted me. I again questioned the validity of the information. XXXX XXXX sent me a contract with no letterhead, information missing although there was a dollar amount associated with it. I agree contacted XXXX XXXX upon which they sent the exact same incomplete information. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX sent out invalid documents to prove accurately that I own the debt among with an incomplete ledger. Recording of the agent agreeing the information is inaccurate
Product: Credit card or prepaid card

My soon to by ex wife who is not on my credit card. Took my credit card and charged up almost 6k worth of purchases and moved to Ohio. This is a sole account under my social security number that she was not even an authorized user on. I disputed the fraudulent charges, Navy Federal looked into it and said that they " did not think '' that my wife would be prosecuted and told me that was the end of the investigation. So they looked into the charges and stated that it was obviously stolen because I could not be in north Carolina and Ohio at the same time. They did issued me a new card but will not take care provide me credit for the debt even if I press charges. They need to press charges or whatever they have to do but they have zero fraud liability and they need to honor that. I want my the fraudulent charges reversed and my account to be back in good standing.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports but Pro Collect is reporting this information. This is a violation of Pro Collect Inc. regulations, and 5USC 552 ( a ) ( b ). Provide me with the Pro Collect Inc. compliance disclosure on reporting transactions to a consumer reporting agency. Delete all the transactions reporting as late, collection/charge-off status and any other derogatory information from my consumer reports immediately. DO NOT reply that this account has been " validated '', I am not asking you to validate or verify anything. Do Not waste my time using such tactics. There are negative accounts that have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Pro Collect Inc and the creditors reporting collections/Charge-Offs, late payments/other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

Macy 's and XXXX XXXX are reporting late payments to my credit report. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2, states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose if they don't send a set of guidelines before the payment due date.

Under 15 USC 1681a ( 2 ) i credit agencies can not report transactions or experiences ( such as late payments ) without my written consent.

Under 15 USC 6802 states that credit agencies are supposed to disclose that they are putting a late payment on my credit and give me the option to opt-out of the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting that I am ( 30-60 )  days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Debt collection

This company has plase a judgement on my name, under FDCPA they had to notify me of they intentions prior to summit lawsuit, that is a clear violation of the FDCPA. I have no knowledge of this debt. I'm requesting for a debt validation of this debt or delete the negative report off my credit and remove judgement from court.
Product: Mortgage

Hello cfpb, My mortgage has been with CitiMortgage since XX/XX/XXXX & I received a joint letter dated XX/XX/XXXX, from CitiMortgage & XXXX XXXX, stating my mortgage had been sold & to start sending payments to XXXX XXXX, beginning XX/XX/XXXX, which is less than 2 weeks from the date of the letter.

My complaint is regarding the unprofessional manner I was advised of this sale And who they sold it to.

XXXX XXXX has the most negative reviews for a business that Ive ever seen. Every review about them is negative - not one single positive review.

I am asking cfpd to investigate why they - XXXX XXXX- are still in business & if CitiMorgage can legally advise me of selling my mortgage with this short time-frame notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have no knowledge of this account, i started receiving calls and at first i thought it was a scam, ,until i continue to receive these calls and now its on my credit report. it says Debt Recovery Solutions,, open on XXXX ..i got fraud protection on my accounts well at least i thought i did..Amount {$640.00} i also have inquiries on account that wasnt acknowledge XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX on my credit i have tried and tried to dispute this account, but no luck XXXX
Product: Credit card or prepaid card

Purchased hand made pottery in XXXX on XX/XX/2022 and paid {$910.00} including shipping and insurance. The package was not delivered until XX/XX/XXXX when we were leaving on another trip. Since there was no external damage visible, we signed for the package and put it in the house. When we returned from our trip on XX/XX/XXXX, we unpacked the box and one item, a platter was broken. All other pieces were fine. We contacted the merchant in XXXX and sent pictures of the broken platter. They told us to take it to the US Postal Service and we did on XX/XX/XXXX. The US Postal Service reported the damage to the XXXX Postal Service. We received a letter from the US Postal Service requesting information to report back to the Italian Postal Service dated XX/XX/XXXX and we returned it promptly. We received a phone call from the XXXX Postal Service to say the damage was being reported to XXXX and on XX/XX/XXXX we received a document from the US Postal Service saying everything was processed and the refund would come from the merchant in XXXX. On XX/XX/XXXX we again contacted the merchant asking about our refund and they said that as of XX/XX/XXXX, the XXXX Postal Service had not been notified of a problem. I sent the merchant the paperwork from the US Postal Service and again requested a refund. When no refund was process, I disputed the portion of the charge for the broken platter- {$240.00}. Capital One accepted the dispute and after a few weeks said the dispute was resolved in favor of the merchant because we did not provide the requested information. I had sent a letter, an invoice, photos and all of the US Postal Service paperwork. I again submitted a dispute and sent even more detail and even though the US Postal Service still has the broken item, Capital One says the merchant is right and no further dispute may be processed. What good is a credit card company if they can not handle something as straight forward as a clearly documented broken item and a merchant stonewalling.