23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called back in XX/XX/2017 about this account, I did make every attempt to contact the fraudulent department. They said the issue will be investigated and instead, it has accumulated further.
Product: Checking or savings account

PNC Check # XXXX Fraud Complaint 2023 XX/XX/2023 - Check # XXXX was written to XXXX XXXX XXXX XXXX XXXX XXXX the amount {$4500.00} from PNC Bank account # XXXX. It was mailed the following day to : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Check # XXXX paid/posted to my account. I did not verify the payee as I have been mailing checks to the payee at this address for 4 years. 

XX/XX/2023 Monthly invoice from XXXX XXXX XXXX XXXX of XXXX was received. The {$4500.00} credit was not reflected in the balance. I then reviewed the check copy and discovered the fraud. The payee had been covered with a plain sticker and the name XXXX XXXX was written in the payee section. The back was endorsed by XXXX XXXX and deposited to XXXX XXXX mobile banking. 
Both XXXX XXXX and PNC Bank honored the altered, and thus fraudulent, check. 
I immediately contacted PNC Bank. PNC Bank then mailed an affidavit to me to be completed, signed, and notarized by XXXX XXXX XXXX XXXX of XXXX XX/XX/2023 I met with XXXX XXXX of XXXX XXXX XXXX XXXX of XXXX who completed the form and had it notarized while I was there. She informed me they had filed a police report and a postal investigation. 
I took the completed form to my PNC branch that afternoon. It was then faxed internally to their fraud department. 

XX/XX/2023 I followed up with PNC customer service having received no response from their fraud department. I was directed to the XXXX department line, XXXX, option XXXX. No one answered the phone. The recording instructs the caller to leave a message and they will respond within 48 hours. No response received. 

XX/XX/2023 Another follow up call was made to the XXXX department line. Same recording. No response. 

XX/XX/2023 I contacted the local branch representative, XXXX XXXX, who had faxed the affidavit on my behalf. I asked him to file a complaint. He did. He received the same non-answer/no response from the XXXX department. 

XX/XX/2023 XXXX XXXX called me after making several inquiries on my behalf. He also sent an email stating he was told PNC policy and procedure which is 120 days to resolve check fraud. He also said he was told PNC views this as XXXX XXXX problem and their time frame is 240 days. XXXX XXXX is the only person at PNC who has shown any interest in trying to resolve my issue. 

120 240 days is total and completely unacceptable. Neither bank should have honored the check. PNC needs to credit my account ASAP. This is a clear case of fraud. PNC should have never paid the obviously altered check.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Trellis Company regarding inaccurate reporting and unauthorized debt collection. Trellis has engaged in debt collection practices without my consent, including making payments on my behalf without prior notice or authorization. I was not provided with documentation validating this debt. Trellis has inaccurately reported my account ( TRELLIS COMPANY XXXXXXXX ), including inconsistent information and re-aging the account to extend its presence on my credit report. In XX/XX/year>, the account was reported as 30 days late, but the following month, it was reported as a charge-off. This is a violation of the Fair Credit Reporting Act ( FCRA ), as an account can not be charged off until it has been 120 days late. This is harming my creditworthiness. I request the immediate deletion of this account due to the inaccuracies. If this issue is not resolved, I will seek legal action under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I received a copy of my credit report and I have found that in accordance with the FRCA you violated my rights under : 15 USC1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PURSUANT to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

AMERICAN FIRST FINANCE I ( Account ) # XXXX ( XX/XX/XXXX ) XXXX ( Account ) # XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX  ( Account ) # XXXX ( XX/XX/XXXX )
Product: Mortgage

I am trying to get an answer about my escrow account. 

I called and spoke to an individual who said my escrow account was negative. 

They said my escrow was only funded with {$2700.00} ( line g on my respa ), however, for line f on my respa with the prepaids, it was $ XXXX- this money is missing! They have no record of it even though it is in my closing documents and I paid it. 

I tried to talk to a supervisor. They called when I had a medical need and I could not talk. I asked them to call back in a half hour and they did not. Its been all day now. 

I would also like to close my escrow account due to this mismanagement. I was told I was eligible as of XX/XX/2021. I just wanted to get the funds settled because loan depot lost {$5200.00} in funds. 

My escrow account is showing an escrow advance of $ XXXX- this further adds to confusion and missing money. 

I asked for a detailed statement of my escrow- the representative said its online. But online doesnt show all the transactions. They told me they dont issue them, until I pressed and asked- then they said they would email it in 3 days. Still waiting for this statement. 

Also I have two tax appraisal districts- they said on the chat {$3200.00} ( school taxes ) but we also have {$1900.00} in local county taxes. The chat agent didnt say if this was paid.
Product: Mortgage

Community Loan ServicingXXXX Loan # XXXX - Call Community Loan Serving at ( XXXX ) XXXX I've been making weekly payments of {$250.00} online on their website and each time I have made the selection for " additional principal payment ''. In the payment history it states that those payments are in a suspense status. I called and spoke to a nice customer service representative and I was told that she would manually apply them to the principal on the corresponding dates. She said that I would see this in 2 business days and the status has not changed. I am concerned because I've read that some mortgage companies try not to apply these additional payments to the principal and the whole purpose of me doing this is because I'm trying to save on the interested and hopefully knock years off my loan. 
see below : Payment History XX/XX/XXXX {$250.00} XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$250.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By law Equifax has XXXX to provide valid signatures on all accounts being disputed. they failed to do so. they now are in violation and will be sued
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 1. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) 2. ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) 3. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) 4. XXXX XXXX XXXX XXXX XXXX, Ga XXXX ) 5. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ) 6. ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) 7. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) 8. ( 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
Product: Vehicle loan or lease

I submitted one payment to be applied on XX/XX/2022. Two payments were applied and taken from my checking account. Called company. I was told there was a problem with their web site. On XX/XX/2022 another payment was applied and taken from my checking account UNAUTHORIZED. I called her as told this was happening to multiple people. Again on XX/XX/2022 another payment is as attempting to be applied UNAUTHORIZED and I have yet to get my money returned or an explanation as to why this is happening. XX/XX/2022 they attempted again UNAUTHORIZED
Product: Credit reporting or other personal consumer reports

XXXX Disputed the bankruptcy information on my behalf and stated that it was not to be reported on my credit file. XXXX TransUnion and XXXX all are reporting this when they know that the company who reported it told them to remove it. This was reported on XX/XX/XXXX XXXX The XXXX case number is XXXX for XXXX. TransUnion Case number is XXXX on XX/XX/XXXXXXXX XXXX XXXX.The XXXX Case number is XXXX also on XX/XX/ XXXX XXXX All case number are the XXXX case number.
Product: Credit card

I have never been late in this account, consistently ensuring timely payments. I'm uncertain why there are reports of late payment remarks on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

account XXXX XXXX XXXX XXXX  card PAID in FULL credit bureaus stopped reporting it as a paid account and deleted it off my credit reports. This account needs to be reporting on my credit report! I have sent certified letters and complaints and i believe to be getting discriminated against since i have ignored and shoved to the side. This account needs to be REPORTED!
Product: Checking or savings account

I contacted Wells Fargo about the lawsuit due to ill practices on their behalf. I was told I would receive an email and that was all. It has been a week and yet to receive such email. I believe they will not be contacting me back about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is many fraudulent accounts on my credit reporting that I have never had or authorized.I believe to be a victim of identity theft and I am in the process of purchasing a home and this has caused me alot of trouble. Please help me. The accounts are showing as XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC, supported by police report and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; Experian and Transunion should not be reporting a collection/chargeoff in the amount of {$7.00} on the BK OF XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in 2015. I contacted a customer service representative with XXXX  XXXX XXXX regarding this outstanding balance. I was never sent a bill nor did anyone ever contact me about any outstanding balance. I did not know that this account had gone to collections until I obtained my most recent copy of my credit report. This account needs to report a {$0.00} balance. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Payday loan, title loan, or personal loan

Monday XX/XX/XXXX I spoke to a representative from nationwide explained that i was in the hospital and to not call at this time. Wednesday XX/XX/XXXX i received another call from a representative from what seems to be a personal cellphone calling again getting aggressive asking for his car after I said I spoke with your company earlier this week explaining Im in the hospital and to not call me. It is harassment, its one thing to be called in attempt to collect a debt but when you ask for peace while in the hospital you should receive it. I answer the phone for nationwide on a frequent basis explaining to them theyve placed a garnishment on my wages and it is putting me in financial hardship and that i dont have the money to pay anything current they call everyday saying well we wanted to know if anything changed. I have had to yell and scream while in the hospital bed at this representative elevating my XXXX XXXX and causing pain because this company can not respect time in the hospital. Then i called to speak with a supervisor i spoke with XXXX XXXX she is no better than the representative instead of addressing the fact my time to recover has been disturb she starts going into how late the account is.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX there was an account opened in my name with navy federal fraudulently. In XXXX there was a balance put on my credit profile and has been there every since. I've had this item removed before, but navy federal placed back on my credit. 

I've filed a police report in XXXX and XXXX, a long with a federal trade commission identity theft report created.
Product: Checking or savings account

My checking and savings accounts were closed by the banks Ive received a letter stating that Chase Bank decided to close my accounts, because of my connection to a publicly reported investigation that could potentially lead or has led to a criminal or civil legal action. I am not understanding what is going on here because I have had my bank account with XXXX XXXXXXXX and bank account with XXXX XXXX banks closed within the last three years as well and they are unable to tell me why they have chosen to close my Accounts.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred over a very long period of time. Despite having the correct amount of funds when transactions were processed, I was charged fees due to lagged and delayed posting of charges and credits. This problem aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I wholeheartedly believe that these specific practices are extremely unfair and I request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I have never had a Tomo credit card, used or possessed one, I have disputed this before and it was removed by all the credit bureaus except for XXXX which removed years ago but has put it back on my credit report this month.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXR Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I have provided USAA with all supporting documents that show the transaction never successfully completed ( unlike they said it did in their reasoning for the denial ) to my XXXX account. An XXXX representative also told me while I was on the phone with USAA representative ( on a recorded line ) that they could not help me because there is no transaction for that on my account with them for them to assist me. The error is on USAA end ( I provided them with the proof that the transaction came out they refunded it when I first disputed it and then came back 3 months later and took it back.
Product: Checking or savings account

I opened an account at TD Bank in XXXX XXXX 2017, I brought in a mailer addressed to me with promotion that I would receive XXXX dollars when I had a direct deposit. I have visited the bank several times and called about twenty times with no results. Each time I get lip service, saying that they are working on it, just today they asked if I still had the mailer, well they asked me that a month ago, so I told them that the officer that I opened the account with would verify, which she did. So here I am six months of not getting anywhere with this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, Over 30 days ago I sent a certified letter to XXXX XXXX XXXX and demanded they hand over the source of information that validates my obligation to the debt. They did not respond yet I saw the information posted to my credit report recently. My rights under FCRA don't permit such unlawful action. As you XXXX now know, I now have the legal right to sue in federal court. 

So either delete the information or I demand you to provide the source information that validates my obligation to the debt. 

I am hereby exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, account number XXXX. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

My identifying information is as follows : Date of Birth : XX/XX/1988 SSN : XXXX As proof of my identity, I have included my passport, mortgage statement, and tax transcript. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

Ok XX/XX/XXXX i sold a vehicle, the check was XXXX it was deposited into my account and the bank teller told me it was avail. I transferred the money out immediately XXXX to XXXX as advised by the teller and they blocked and closed access to the account. They left me and my kids stranded with no money and no gas and no food! They allowed the transactions to go through and the check was from XXXX federal and they said it was fraudulent. I need my money to he released i sold a car i no longer have and they robbed me of my money for the holidays and left me hungry with children, cold and stuck hours away from home. I need this resolved this is not fraudulent at ll!
Product: Checking or savings account

Hello, Chase had closed my account and held my balance in suspension due to a third party check. Chase said they will release my funds and mail it to me after ; I go to a branch with the person who signed over the check. I did what they said and that person provided 2 forms of ID also. The person at Chase said that everything is cleared and I should get a check in 15 days. I went in XX/XX/2022 and it's almost a month later and I still haven't received the balance of my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX CT XXXX Re : Validation of Debt for Account No. [ XXXX ] To Whom It May Concern : I am writing to request validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following : XXXX. Proof that you have the legal right to collect this debt, including a copy of the agreement with the original creditor. 
XXXX. Documentation of the full accounting, including the original amount, any interest, and fees applied. 
XXXX. Proof of ownership of the alleged debt and how the amount was calculated. 
XXXX. Copies of any documents or contracts that show I agreed to pay the debt. 

I also request that you cease all communication with me, except for providing the requested information. Furthermore, I dispute the validity of the debt until adequate proof is provided. 

Please respond within 30 days, as required by law. If you fail to validate this debt, I request that you remove it from your records and cease all collection activities. 

Thank you for your cooperation. 

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

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

I demand the late payments to be removed off of these accounts from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Product: Credit reporting or other personal consumer reports

I've been a victim of Identity Theft and I have reported it to identitytheft.gov with the reference number XXXX I also noticed some unidentify inquiries on my credit report. 
Listed below are the unidentify inquires showing the bank names and dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>