23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/year> my home computer was compromised. Days later, meeting with the PNC Branch Manager ( XXXX XXXX, ) I shared with him {$300.00} that mysteriously appeared in my online checking account. He could not identify where the money came from. 
Following the meeting, I spoke with PNC customer service and fraud prevention numerous times. None of these folks could identify the {$300.00} deposits either. 
A good time later PNC notifies me that I am delinquent on a PNC credit card payment on a balance of {$300.00}.

# 1. I never asked for a bank credit card.

# 2. PNC associates did not provide with adequate information regarding a CC.

# 3. In addition to the above there were other lacks of PNC communication causing various other banking problems. To be honest, for a period the mysterious deposit slipped to the back of other issues with PNC.

# 4. The Branch Manager identified a $ XXXX amount that PNC had not credited me with at their acquisition of XXXX XXXX  XXXX 

I have been a PNC customer for over XXXX some years and have never before experienced a mess like this. It undermines my confidence in PNC. 

Thank you in advance for your help. 
Sincerely XXXX XXXX
Product: Credit card or prepaid card

I received a prepaid mastercard Vanilla Card valued at {$50.00} from my employer as a gift. I registered the card online using the website on the back of the card. It said the card was activated and had a balance of {$50.00}. I wanted to use the card to make a purchase online but needed a zip code associated with the card. I went back to the cards website and looked for a way to add a zipcode to the card but there is none. I read online that if I created my own account on the VanillaCard website that I could assign a zipcode that way, so I attempted that and then the website loaded an error page when I tried to access the account. I called the company toll free number and waited 45 minutes on hold before reaching someone who confirmed my card had been deactivated and needed to be replaced. They said I would need a receipt, which I do not have. This is absolutely fraudulent.
Product: Debt collection

I AM FURIOUS WITH WELLS FARGO AND THEIR CUSTOMER SERVICE. THIS ACCOUNT IS A FRAUDULENT ACCOUNT THAT OPENED AS A RESULT OF IDENTITY THEFT. I HAVE SUBMITTED ALL NECESSARY DOCUMENTATION TO REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT, AND THEY ARE REFUSING TO HELP ME WITH THIS MATTER. I HAVE SUBMITTED POLICE REPORT, FTC IDENTITY THEFT REPORT PROVING THAT I AM A VICTIM OF ID THEFT AND THIS ACCOUNT WAS OBTAINED FRAUDULENTLY USING MY PERSONAL INFORMATION.
Product: Credit reporting or other personal consumer reports

Disputed item on credit report with submitted identity theft report, consumer statement, drivers license, and social security card as proof of address and identity. Company did not fix error on my report. Previous disputed XX/XX/year>XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I contacted FCO debt collections to inform them that I have been negatively impacted by the current global health pandemic COVID-19. I informed them that I am currently out of work and I needed to renegotiate the payment plan that we have. I spoke with XXXX XXXX. Ms. XXXX refused to tell me what options I have. She stated that there was nothing she could do and that she was cancelling my payment plan. I did not request to have my payment plan cancelled. I asked her what is the minimum payment that I can make during this crisis. She refused to answer me. Ms XXXX then proceeded to tell me that I have until the XXXX until the cancellation, that I did not ask her to do, will show on my credit. I asked her if there was any other option. I reminded her that this is an event effecting everyone. I reminded her that I have not missed a payment and that I do not want to cancel my plan. I simply would like to modify it until the stay at home order is lifted. Ms. XXXX said there is nothing she could do and that she cancelled the payment plan. I did not request a payment plan cancellation. I simply needed a modification of my payment while we are going through this crisis. This is completely unacceptable behavior as I have not had any issue with paying my monthly agreement prior to the global health crisis. I attempted to contact FCO repeatedly following this phone call and left a number of messages letting them know that I would like to speak to someone regarding my debt. No one answered my phone call. No one returned my call. On XX/XX/XXXX, the date that Ms XXXX threatened would be the day she would add her change to my payment plan to my credit, I received a phone call from her about my debt. At this point she has forwarded the amount to my credit, although I did not request to cancel my payment plan. During the course of my original payment agreement Ms.XXXX  also contacted me at work which is against the FTC guidelines for debt collection. I would like to formally file a complaint against Fair Collections and Outsourcing, and XXXX XXXX, for cancelling my payment plan against my request, for refusing to answer my call following this abuse of power, for threatening me with negative credit reporting, and for harassing me by calling me at work. Ms XXXX has my number and I have been very good about keeping in communication with Ms XXXX and FCO. Therefore, there was no reason for her to contact me at work. Thank you.
Product: Mortgage

Since last Friday XX/XX/23 I have been trying to access the MyLoanCare website to request a payoff statement for my mortgage. I sold my property and will be closing soon. I was unable to access the website all weekend. Yesterday ( XX/XX/23 ) I tried call Loan Care as well as XXXX XXXX XXXX ( my mortgage company XXXX Loan Care has a message on their phone that says their operations are down and no one can access their accounts. I was unable to reach anyone at XXXX XXXX XXXX. From what I read online XXXX XXXX XXXX who owns Loan Care was a victim of a cyber attack over a week ago. No mortgage holder can pay their monthly mortgage payment, pay their insurance, taxes etc. Who will be responsible if I can not close on my property sale because I don't have a payoff statement?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX  Please remove it from my credit report. 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate and Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report XXXX XXXX  Account Number : XXXX Please remove it from my credit report
Product: Debt collection

On XX/XX/2020 I took my XXXX son to the hospital, he then was transported from XXXX XXXX XXXX in XXXX  ca to XXXX XXXX XXXX  XXXX XXXX via med transport. At the time of service durning registration I had given both insurance cards for both me and my son. I then received a bill of XXXX. When I called I was gaslighted and told I did not have insurance and I was responsible for the bill. After sending proof of valid insurance again I was told it was to late to bill insurance and I was still responsible for bill. They continued to call and harass me and have hit my credit numerous times, charge off and hit it a few more times over the last 2 1/2 yrs. Regardless of the proof I provide theres no protections for my credit score they keep attacking. They cant bill insurance 6 months after date of service. If they had billed the insurance correctly and in a reasonable time it would of reflected that we both were covered up until XXXX XXXX XXXX 2020
Product: Credit reporting or other personal consumer reports

I have noticed inaccuracies on my report. I have made these inaccuracies known to Equifax. Nothing has been corrected and Equifax has claimed to have investigated and verified the accuracy of the information. These accounts are incorrect and are adversely affecting my livelihood and have caused me severe damages. XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Equifax has been intentionally allowing this harm to come to my name by giving me false statements of verification and reinvestigation when the information was never validated and has been reporting misleading and false information since Equifax has allowed such to exist on my report.
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXX ; I provided this information to Equifax multiple times and they still have not blocked information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and I have attached my ID and Social Security Card for verification. I checked my credit report and noticed some fraudulent, inaccurate, and incomplete information. I will list these accounts below ; please conduct a reasonable investigation and DELETE these accounts off my credit report XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX. XXXX ( XXXX XXXX : XXXX XXXX ) XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX. U S DEPT OF EDXXXX XXXX. DP OF EDUC XXXX. XXXX
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX, 60 days late as of XX/XX/XXXX, 90 days late as of XX/XX/XXXX, either 90 or 120 days late as of XX/XX/XXXX, and either 120 days late or no data for XX/XX/XXXX. The inconsistent reporting makes this very confusing. Again they marked me as 30 days late or not in XX/XX/XXXX, either 60 or 90 days late in XX/XX/XXXX, 90 or 120 days late in XXXX, depending on who you ask, and again 120 days late or no data for XX/XX/XXXX! I don't remember paying any late fees or anything, this is truly outrageous!! 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sued XXXX and won over 5 years ago in XXXX Nh District Court. In the agreement this information was to be removed from all reports Experian has not done this I have all copies of my suit and agreement this information was to be removed
Product: Debt collection

I sent a letter to Citibank wanting to validate and verify the debt. I did it within the 30 days that I was given, I sent them the letter with all the terminology and everything to send a letter back. It has been three months and they still have not verified or validated anything and they are still trying to sue. They harassed us after asking them to stop calling, they kept calling, and harassing and were calling up to 25 times a day. Its my understanding they can not sue us if they cant even validate the debt which they never did. The validation was due back in XXXX and we never got it. I have a video of me dropping it at the post office in the box, the address on it, and all the documents that I sent to them and they never sent back. Theyve always received mail they can not claim they did not get this one it was sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries trans union XXXX XXXX XX/XX/XXXX XXXX/XXXX/XXXX  XX/XX/18 XXXX XX/XX/18 XXXX  XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18
Product: Credit card

This is related to complaint XXXX. That complaint was solved by the company satisfactorily as the product had not been returned. I was told by wells fargo that if I returned the product to the company ( XXXX ) and they still refused a refund after XXXX weeks then they could re-open the dispute and pursue it properly. 

I paid to ship this product back to XXXX per XXXX  shady XXXX return policy. koalarhealth confirmed receipt of the item and then, predictably did not issue a refund. when I asked for the reason, after many different excuses were given they eventually landed on that wells fargo had an active charge back against them, so they were unable to issue a refund until that charge back was cleared. I contacted wells fargo and they claimed to know nothing of this and said it would not stop the company from issuing a refund. Wells Fargo 's dispute department then tried every trick under the sun to avoid re-opening the dispute. every excuse from " I'm sure the company will issue a refund once they receive the item '' to " its been 121 days our limit for disputes in 119 days ( never once mentioned in the many hours I have spent on the phone with them ) ''. eventually after being forced to threated reporting them to every regulatory agency in existence they transferred me to a supervisor. This supervisor had no trouble re-opening the dispute ( that 119 day limit was apparently XXXX ), but clearly was only half listening as they talked over me several times during the call. In the end they re-opened the dispute only to close it the next day because they looked up the tracking number on the shipment and it shows the item as still in transit. This is obviously an error in the tracking as the company has already confirmed receipt of the item. Wells Fargo had the proof of this confirmation of receipt as they specifically asked for it, but they closed the dispute anyway despite this proof that the item was in fact delivered. I have yet again attached my email chain with XXXX where they clearly state they received the item. 

It is clear they did not even try to contact the company to resolve the dispute. they just looked up the tracking number and closed it straight away with no further actual investigation. 

XXXX has continued to insist throughout this process, that all they need is confirmation from wells fargo that this dispute has been closed and they will automatically issue a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX XXXX {$3100.00} XXXX XXXX {$2500.00} CHAPTERXXXXBANKRUPTCYXXXX {$0.00} CHAPTERXXXXBANKRUTPCYXXXX-XX/XX/20-XXXX-XX/XX/20 {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Back in XXXX I was enrolled in an Income Driven Repayment Plan with my student loan servicer Navient and I was never informed when it would expire or what I would have to do in order to extend it. I found out in XX/XX/XXXX that Navient Reported me to the Credit Bureaus that my payment was 90 days late. Once i found this out I called Navient and had the Income Driven Repayment Plan reinstated immediately, and I was never required to make a payment. My credit report from XXXX, XXXX, and XXXX all still say that i was late 90 days on 2 separate Navient Loans from XXXX XXXX.These credit bureaus are reporting incorrect information on my credit report. I reached out to Navient to see if they would remove these Inaacurate Late Payments and they told me no. I was decieved and taken advantage of by Navient. And according to the CFPB Director XXXX XXXX so were millions of other Americans. That is why the CFPB sued Navient back in XXXX. This has negatively affected my credit report so badly thst i cant even buy a house. Please help me to remove these inaccurate late payments.
Product: Credit reporting or other personal consumer reports

I need these accounts with incorrect information that are not mine to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have previously disputed this account. Please provide me with your method of verification. Please provide documentation which justifies your belief that these erroneous accounts are accurate and in fact per FCRA requirements. 

Rent XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Synchrony bank placed a restriction on my account after I just mobile deposited a mobile check for XXXX on XX/XX/XXXX and placed a restriction on my account saying somebody tried to log into it from Michigan which is a lie because the account is brand new and the only person with account information is me they have yet to release my money or tell me anything about the whole situation and I want my money
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I firmly believe are inaccurate and misleading. These incorrect records are unfairly lowering my credit score, and I refuse to accept this damage to my financial reputation. 

The following late payment remarks require immediate correction : Late Payment - 3 Bureaus XXXX  - Account # : XXXX I have diligently maintained my financial responsibilities, yet these errors continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errorsany further delay will be seen as deliberate negligence.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : These hard inquiries are fraudulent and do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Skrill has locked me out of my account for the last 1 month. When I try to login it will say I need to reset my password, which I do and then it tells me the same thing. 

I've written to Skrill and haven't heard back.
Product: Credit card

On or around XX/XX/year> I've learned that my XXXX credit card was stolen from me. After figuring out that the card was missing first thing which I did was to immediately review my account activity, which I did using XXXX XXXX app on my phone. Upon reviewing my account activity I've discovered that the last legitimate transaction on the account was processed on XX/XX/year> with XXXX XXXX for {$14.00} associated with a vehicle I own. Starting from XX/XX/year> through XX/XX/year> XXXX fraudulent transactions were made using this car - without my knowledge and nor without my consent. Same day on XX/XX/year> around XXXX XX/XX/XXXXI've contacted XXXX XXXX Department to inform XXXX that my card was stolen and I've explained to the representative to the best of my knowledge that the following transactions were made without my consent : XXXX XXXX XXXXXX/XX/XXXXAUTH # XXXX {$34.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, AUTH # XXXX {$60.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX {$100.00} I've informed representative that XXXX XXXX electric vehicle ( EV ) and I don't use gas stations to XXXX ' my vehicle and my previous account activity clearly shows that, indicating regular XXXX Supercharging ' charges, which are once again are legitimate. 

I was informed that investigation is being started, old stolen card is being deactivated and I should expect to receive new physical card soon, which I later did. 

On XX/XX/year> I've received a letter dated XX/XX/year> that XXXX concluded it's investigation and states that XXXX 'found the transaction valid ', while only mentioning single transaction with XXXX XXXX XXXX XXXX for {$100.00}, not mentioning other previously mentioned during phone call conversations illegitimate transactions at all ( Copy of the letter is attached ).