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

C/o XXXX of the Executive Office PNC Bank Subject : Request for Audit and Correction of Fees on XXXX NY Inc. Account Dear C/O XXXX of the PNC Executive , I am writing regarding significant and ongoing issues with my business checking account for XXXXXXXX XXXX XXXX specifically concerning improper charges and overdraft fees that have resulted from errors by your Excite office. These issues have directly impacted my account, and I am requesting an immediate audit and correction of the fees that have been unjustly applied. 

Over the course of recent months, my account has been charged with four separate overdraft fees of {$36.00} each, which total {$140.00}. These overdraft fees were a direct result of incorrect charges, including a recent {$52.00} error caused by human error at your Excite office. Despite my attempts to address this issue, specifically with XXXX from the Excite office, I have encountered resistance in acknowledging and correcting the continuing problem. 

In addition to these overdraft fees, there is the ongoing issue of a recurring {$52.00} monthly charge, which has been applied without proper justification. This charge has caused multiple overdrafts and has placed an unnecessary financial burden on my business. 

To resolve these matters, I am requesting the following : A detailed audit of all fees applied to the XXXXXXXX XXXX XXXX  account from the time these errors began, including the overdraft fees, banking charges, and the recurring {$52.00} charge. 
Immediate correction and refund of the four {$36.00} overdraft fees, the recent {$52.00} error, and any other fees that have been unjustly applied due to these errors. 
A review of internal procedures at the Excite office to ensure that human errors, such as those made by XXXX, do not continue to affect my account and business operations. 
Written confirmation of the corrections made and a clear plan to prevent similar issues from arising in the future. 
These errors have caused significant disruption to my business, and I trust that PNC will act promptly to rectify the situation. Please confirm receipt of this letter and provide a timeline for the requested audit and fee adjustments. 

If I do not receive a satisfactory response, I will consider further action to ensure that these errors are corrected, and my business is no longer affected by these improper charges. 

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

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

I have disputed and requested Experian to remove & delete accounts that do not belong to me. I have not received a debt of validation and their method of verification on the questioned account is listed below. 

- XXXX XXXX XXXX
Product: Mortgage

CARRINGTON Mortgage is servicing the USDA loans wrong. I paid off my mortgage before the next annual fee was due, and they charge the annual fee for October 2021-September 2022, I paid off my loan in XX/XX/XXXX. 
I called to dispute the amount I received from my escrow balance since it was missing about {$420.00}. They stated that the USDA are backpay, so the fee they charged was to cover for XX/XX/XXXX to XX/XX/XXXX. I know that is information they are giving is completely wrong. 
They are charging me for an annual fee when the loan does not exist anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX Balance : - XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$630.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX XXXX : {$550.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX, IL XX/XX/XXXX ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$660.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, or personal loan

I applied for loan got approval then got cash now they deduct every week instead of every month.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

A family member had access to my bank account & deposited a fradulent check
Product: Mortgage

On XX/XX/XXXX, I received from Shellpoint Mortgage Servicing an Annual Escrow Account Disclosure Statement dated XX/XX/XXXX. Page XXXX of the Statement erroneously listed an " Anticipated Payment '' from escrow in XX/XX/XXXX in the amount of {$7100.00} for " XXXX XXXX XXXX ''. This caused my new total monthly payment to increase from {$530.00} to {$1200.00}! My condo unit is only XXXX square feet. My apartment is one of XXXX units in my condo building. 

On XX/XX/XXXX, I advised Shellpoint via their " Contact Us Page '' that the XXXX XXXX XXXX Insurance premium is not paid through my escrow account ; that I pay my monthly XXXX fees to my condo association and the condominium association pays the {$7100.00} premium to the insurance company because this policy covers the ENTIRE BUILDING which consists of XXXX condominium units, including mine. I also faxed a letter with the same explanation to XXXX and mailed the letter to Shellpoint, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. In all of my communications, I requested the monthly payment amount be recalculated once the erroneous {$7100.00} " Anticipated Payment '' was removed. I attached a copy of the XXXX XXXX XXXX XXXX XXXX XXXX to each correspondence. It shows that the insured is my condo association. 

I also spoke with Shellpoint 's insurance department on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, XXXX advised she updated the XXXX XXXX XXXX payout to XXXX and that I was to contact Shellpoint Customer Service to request a rerun of the escrow analysis recalculating the monthly payment amount after the erroneous {$7100.00} " Anticipated Payment '' was removed. I did so on XX/XX/XXXX. I have followed up with phone calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to inquire as to the status of my request and was always told Shellpoint was working on it. 

To keep my account current, to avoid late fees, and to keep Shellpoint from reporting a late payment to credit bureaus, I was forced to pay the incorrect amount of {$1200.00} for XX/XX/XXXX. 

My online account with Shellpoint reflects that the {$7100.00} was removed from the Taxes and Insurance page, but Shellpoint has not yet provided a corrected escrow analysis nor have they reduced the monthly total amount due to the correct amount. It still shows a monthly amount due on XX/XX/XXXX of {$1200.00}. 

Shellpoint has sent me letters - none of which address the issue at hand and all of which are vague, indefinite form letters which include no reference to my specific issue nor what steps Shellpoint is taking to correct their error. My correspondence, Shellpoint 's correspondence, the Escrow Analysis, and the erroneous XXXX XXXX monthly mortgage statement are attached. 

Shellpoint has been advised they made a mistake, but it is not taking any action to correct it. With every month they do nothing, Shellpoint is demanding I pay more money than the Lender is entitled to.
Product: Credit reporting or other personal consumer reports

LexisNexis has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and timeliness of information reported on my consumer file. Specifically, LexisNexis continues to report accounts that are older than 7 years from the date of the first delinquency, in violation of Section 605 ( a ) of the FCRA, which prohibits the reporting of outdated negative information. 

These failures align with systemic issues where consumer reporting agencies fail to properly investigate disputes, fail to remove outdated or unverifiable information, and continue to report information that causes harm to consumers. Despite my efforts to dispute this information and provide evidence of the accounts exceeding the 7-year reporting period, LexisNexis has failed to remove these items, causing ongoing damage to my credit standing and violating my rights under federal law. 

I am requesting immediate corrective action to remove the outdated accounts from my LexisNexis file, as these accounts no longer meet the FCRAs reporting guidelines. LexisNexis inaction directly impacts my ability to access fair and accurate information and violates federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681a ( D ) ( 2 ) ( B ), where as my consumer report doesnt include any authorization or approval of a specific extension of credit directly or indirectly by the issuer. Therefore my character, credit worthiness and reputation are in question which goes against the law previously stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX In early XX/XX/XXXX a XXXX XXXX XXXX XXXX representative agreed by phone to allow a lump sum payment to be applied to multiple future monthly installments payment on my auto loan. The lump sum payment was a credit from cancellation of extended warranty service that I had not intended to purchase in the first place. I cancelled the extended warranty shortly after my vehicle purchase. 

There were actually two of these payments applied to the principal of my auto loan ( account number above ). One for {$1200.00} on XX/XX/XXXX and another for {$1300.00} on XX/XX/XXXX. I requested that the XXXX representative have the second of these payments applied/posted to regular monthly installment payments for XX/XX/XXXX and XX/XX/XXXX and this was confirmed during that telephone phone call. 

Without any communication or notification from XXXX both of these payments/credits of XXXX and XXXX, were applied directly to the principal of the loan rather than what was agreed. Apparently, XXXX either does not have a policy or ability to do what was agreed or chose not to do it for my particular installment loan. I was given no notification, but found out when logging into the customer online portal. I immediately brought the account current as soon as I realized that these principal payments had been made rather than scheduled as installment payments. 

My account is showing a 30 day late with all three credit bureaus. I have tried to file disputes with Equifax, XXXX, and XXXX directly, since this his having an adverse effect on my credit and will prevent me from obtaining a mortgage. I have had numerus phone calls with XXXX XXXX XXXX XXXX to rectify this situation and it has not been resolved. I plan on consulting with an attorney and take whatever action is available to me if XXXX refuses to resolve this matter amicably and rectify their mistake/oversight. 

Please let me know if any further information is required for this complaint.
Product: Credit reporting or other personal consumer reports

So, I sent in my dispute letters to dispute an collection that is on my report. The dates my letters were sent off were XX/XX/XXXX and XX/XX/XXXX. The results of both disputes were that they were updated and verified, but Experian failed to send me verifiable proof the debt attempted to be collected was in fact mines. Also, for the record my information was sold off to a third party company that I don't have any contracts with hinting that my personal information was sold without my consent. The amount of the collection is {$640.00} dollars as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX SOC SEC # XXXX DOBXX/XX/1975 ADDRESS XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND CREDIT MANAG Reported : XXXX XXXX, XXXX - {$960.00} Needs Attention Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAG Reported : XX/XX/2020 - {$960.00} Needs Attention I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXXXXXX
Product: Credit reporting or other personal consumer reports

To put my credit score back at the XXXX that it was before they took XXXX points away now that the late status has been removed then there is no issue. 
The late status has been removed that has been resolved shows as current and in good standing however they only gave me back XXXX points out of the XXXX that they took away. I would like to have my XXXX credit score restored prior to the late status that has been resolved. They're going to take XXXX points make the corrections to the status and only give me back XXXX points? Then why not only take XXXX points? I would like my full XXXX restored please
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX This solar system that I purchased from XXXX XXXX XXXX XXXX The system is not performing or achieving electric bill saving as was expected. The installation was awful. We were wired wrong for several months. And when they got that finished. I think our system is to small for our house. We had to get a loan for XXXX. Then XXXX XXXX our pv link went out. We are running now. But now XXXX XXXX XXXX has gone out of business. So now we don't know where the agreement and upgrades stand with this company. Can u help. Tried to get help from them many times. There lawyers and all but everytime they want you to sign this horrible resolution agreement. I will not sign. Because it null and voids all the upgrades and service the system my need.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/, I settled an old debt for less than the full amount. I was told, in writing, that the account would be settled for that amount. Today, I received a notice that there was a change on my credit report. Instead of it saying the account had settled in full ( for less than the entire amount ), they simply lowered the balance. I have called the office multiple times over the past few days and have a hard time reaching anyone. I have been calling because I have a court date with them scheduled for this Tuesday ( XX/XX/XXXX ), and it doesn't  appear they have informed the court we have settled. When I finally reached someone earlier this week, they told me they were sending a letter to the court that afternoon. However, I spoke with the court this morning, and they informed me that the date has not been cancelled yet. I feel like the company has been very disingenuous during this entire process when I am simply trying to move past a difficult period in my life. 

I am attaching a copy of the settlement letter, a copy of my proof of payment of the agreed upon settlement amount, and a copy of the screenshot showing the updated credit reporting information as of this morning.
Product: Credit reporting or other personal consumer reports

FRAUDULENT my identifications was used, establish an account without my permission
Product: Credit card

XXXX XXXX XXXX charged my USAA Visa card {$250.00} on both XX/XX/2023 and XX/XX/2023. This showed up on my XXXX statement. However, XXXX XXXX XXXX stated that they did not charge my card on XX/XX/2023. This was a workers comp case so the charges should have been credited once the XXXX XXXX XXXX had approved my claim. When my claim was approved, I received a credit for the XX/XX/XXXX charge, but not the XX/XX/XXXX charge. I filed a dispute with USAA, but they said I had insufficient information and closed the case.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes, in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle multiples times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasable. The CFPBs findings indicate thats Zelle has not only neglected to protect consumers hut has also allowed repeat offenders to exploit the system leaving users vulnerable to scam. This lack of accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Acct : XXXX XXXXl To Whom It May Concern : I am writing as a member of the nationwide class of the XXXX XXXX XXXX XXXX XXXX, No. XXXX class action settlement. Essentially XXXX XXXX was sued for predatory lending practices, improper notices in connection to collecting on loans as well as various violations of the XXXX code. While I only received a small amount of money from the settlement as a class member, XXXX also agreed to request that the XXXX nationwide consumer reporting companies XXXX, XXXX, and TransUnion delete trade-line information on your credit report related to your account with XXXX that is the subject of this case, as well as ceasing accrual of finance charges and late charges on deficiency balances. In fact, my XXXX  XXXX XXXX was repossessed I believe 3 times during the requisite time period. This has not been done and this account still appears on my credit report The purpose of this letter is have this account removed entirely from my credit report as it is clearly having a negative impact on my credit as mandated by the aforementioned class action settlement agreement. I trust you will adequately investigate this matter and remove this tradeline within the timeframe as provided by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020 i submitted a consumer statement to experian to be added to my credit report no. XXXX despite repeated calls and emails experian refuses to add it to my report.
Product: Debt collection

I never did business with EOS CCA XXXX XXXX XXXX XXXX XXXX ). The original creditor was XXXX. EOS CCA reported this debt to all 3 credit agencies and has been my credit report since XX/XX/2020 with account # XXXX. I tried to dispute this debt with all three credit agencies XXXX, XXXX, and XXXX but was just a waste of time and this debt is still affecting my credit score currently. I tried contacting EOS CCA directly but they do not have a number listed anywhere.
Product: Money transfer, virtual currency, or money service

I opened a Venmo account a year ago and just used it for the first time a week ago. I was sent {$600.00} dollars. I linked my bank account to the Venmo account and went through the 24 hour confirmation period. Once I tried to transfer the {$610.00} ( there was a {$10.00} promo credit in the account ) they immediately froze my account. They would not tell me why. I emailed customer service and was told someone would email me in 5-7 business days. That is unacceptable as they are holding the funds. I called three business days later and was told again someone would have to reach out to me, but it has been expedited. I am now on the sixth day since the funds were put in my account with any explanation as to why my account and funds have been put on hold. I view this as fraud on the part of Venmo.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are six unauthorized hard inquire 's on my report when i spoke to a rep from transunion they said there was nothing that can be done cause the inquiries are a statement of fact, but they are not, i didn't autorized any of the five creditors to run my report and there is also fraud alert on my file but they still allowed my report to be access with out my autorization, see dates below XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX