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

Thank you for your time. I am expressing my frustration with PNC Bank due to their refusal to link my bank account, at my instruction, to a service that provides debit cards for my teenage children to receive allowance. 

Paying allowances can be a tad frustrating. We link allowance directly to extraordinary tasks that the kids choose to do as " work. '' XXXX offers a secure debit card system that is a way to both preserve their earnings, and to teach them to manage their earnings/create savings in an appropriate setting. They are XXXX, XXXX, and XXXX. Giving them change no longer works. 

As a customer, as a mother, I am frustrated that I'm not allowed to enter my information and allow the link between my funding source and the place I want to direct funds. PNC 's refusal to follow my request without explaining the cause is both inappropriate and frustrating. It is my money. If they choose not to allow funding to this credible, recognized business, they need to disclose that in advance. 

Raising children to be responsible adults includes learning how to manage money in real time. I depend upon the partnerships formed in the financial, insurance, and educational worlds to help support my mission as a mother. I expected more of them than this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified dispute letter to Transunion, and XXXX, asking them to valid that the account they are reporting is reporting accurate information on my credit report. Both Transunion and XXXX  mailed me a letter stating all on the information on my credit reported was accurate, however, as you will see on my attach file the reporting information is inaccurate and inconsistent. The date the account was open is inconsistent and inaccurate, along with the date of last active, and comment section says two different reason for account delinquency, which is miss leading and deceptive. I've made attempts to get in contact with XXXX XXXX XXXX  to resolve and to find out the correct amount owed and to dispute the inaccurate information reported, but still have not gotten a response. If this matter does not get resolved, I am looking to file civil suit because this clearly violate the Fair Credit Act.
Product: Debt collection

I GOTTEN A LETTER FROM CREDIT MANAGEMENT WITH ACCOUNT NUMBER XXXX BALANCE XXXX OPENED FRAUDULENT IN MY NAME
Product: Debt collection

This company suing me for an debt I don't owe, I REQUEST FOR PRODUCTTON OF DOCUMENTS. 

They refuse to show solid proof, only thing they have are screenshots of a bill. 

They need more than just a screenshot of a bill. 

If they are so sure I owe them, show me the contract of me agreeing to pay them. 

Better yet, show me the contract with my signature and the original creditor 's signatures ... or play me a recorded phone call which makes it a verbal contract... Yeah, I know the secrets. 

I know the games debt collectors play, so lets play. 

Don't reply back with that same old tired screenshot of a bill, show me all the documents I'm requesting.
Product: Credit reporting or other personal consumer reports

Im confident I pay on time, yet the company incorrectly reported me as late. According to USC 1666b, billing mistakes must be corrected and shown as " paid as agreed.
Product: Checking or savings account

I opened an account with BMO due to their new promotional offer. I got the account number, transfered money ( {$120.00} ) and registered online. However teh account never showed up online even after multiple weeks and I have no access to the funds. I called them multiple times and they couldnt figure it out. 

Now I don't even have online access and cant even register.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. these fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Student loan

My federal loans were paid off on XX/XX/2017 after refinancing with a private lender. Due to the timing of the refinancing process, my federal loans were overpaid by {$920.00} because I kept making payments during the refinancing process. I was sent a letter from FedLoan Servicing indicating that my loans were considered paid in full on X/X/17. It has now been sixty days, and I still have not received a refund of {$920.00} overpayment. I have not received any correspondence from the FedLoan Servicing addressing this issue. I have contacted FedLoan Servicing through their preferred contact procedure ( email ) and have yet to receive anything other than an automated response that my inquiry was received. They have removed my account access to view my bill history. Further, despite acknowledgement from FedLoan Servicing that my account was paid in full, my own account still reflects that my loans are in " repayment status '' and lists upcoming direct debits on my account for XXXX XXXX, 2017 on loans which show negative balances owed to me. The relevant company contact information is below : XXXX XXXX XXXX  FedLoan Servicing XXXX. XXXX XXXX XXXX, XXXX XXXX Send completed Direct Debit application forms to : FedLoan Servicing XXXX. XXXX XXXX XXXX, XXXX  XXXX Send letters and correspondence to : FedLoan Servicing XXXX. XXXX  XXXX XXXX, XXXX XXXX Send Credit Disputes to : FedLoan Servicing XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Send Consolidation related letters and correspondence to : FedLoan Consolidation Department XXXX. XXXX  XXXX XXXX, XXXX XXXX Contact the Office of Consumer Advocacy at : Pennsylvania Higher Education Assistance Agency The Office of Consumer Advocacy XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

Talked to chase we arranged a payment for the end of XXXX to be caught up on payments. Made a XXXX payment XXXX first they closed my account XX/XX/XXXX even though I made the payment 29 days early. They did not tell me they were closing account nor did they give me a reason why. Has since paid off in full and no longer want to do business with them anymore
Product: Money transfer, virtual currency, or money service

Reference Consumer Financial Protection Bureau complaint ID XXXX in which Cash App refused to comply with returning stolen funds from my account. I made ONE LARGE dispute of ALL transactions that were stolen via the phone in 2023. I stayed on the phone for several hours while this dispute was processed. You said you denied it but I got an email last month that you approved it. Yet you only approved {$250.00} of it. There were over {$4000.00} worth of fraudulent transactions. You do not get to deny all of it. Then go back on it and only approve some of it. You are being incredibly indecisive and that is beyond shady. Furthermore, you closed my account and took away my public figure verification when approached about this because your XXXX customer service representative kept copying and pasting and saying that I needed to open a new case when I was asking about an existing case and then because she kept copying and pasting, I told her to stop being lazy and she repeatedly force logged me out of the app. Very unprofessional. Then she took away my blue badge and closed my account. An absolute piece of garbage, as are all your employees because all they do is copy and paste. Its embarrassing. Attached is the email saying you approved the dispute. Now give the rest of the money back and give the account back as you should have in the first place. XXXX.
Product: Credit reporting or other personal consumer reports

I cant get approved for any loans, apartments, or anything else because Equifax is reporting inaccurate and incomplete information.They are reporting that I paid on time for a XXXX XXXX XXXX XXXX in XX/XX/XXXX and 60 days late for XX/XX/XXXX which is only 30 days later.They also have no payment history for XX/XX/XXXX .Then they are reporting Im 120 days late in XX/XX/XXXX and 150 days late in XX/XX/XXXX which is 60 days later. They also have my date of first delinquency as XX/XX/XXXX but say I paid on time that month as well, which one is it? It cant be both. For a XXXX XXXX XXXX account they report I opened it in XX/XX/XXXX but has no data available for payment history until XXXX XXXXTheyre reportinging my date of first delinquency was XX/XX/XXXX but have no data available for payment history until XX/XX/XXXX. How can they say I owe anything when they cant even provide certain data? That is DEFAMATION.of my character.For another XXXX XXXX account they are reporting im 60 days late 3 months in a row, XX/XX/XXXX to XXXX XXXXThen they report im 90 days late in XX/XX/XXXX. How can I be 90 days late 3 months later in XXXX if I was already 60 days late in XX/XX/XXXX? They have no date available for XX/XX/XXXX but are reporting Im 120 days late in XXXX and 180 day late in XXXX XXXXWho are they to assume that I missed 60 days of payments from XXXX to XXXX when They have no data available for XX/XX/XXXX? They are reporting my date of first delinquency is XX/XX/XXXX but are also saying I was already 60 days late on my payments 3 months before in XX/XX/XXXX .For a XXXXXXXX XXXX XXXX they have no date available for XX/XX/XXXX to even be able to properly determine anything.They are reporting I paid on time in XX/XX/XXXX but saying im also 60 days late XX/XX/XXXX which is only 30 days later .They are reporting my date of first delinquency is XX/XX/XXXX but also that I was already 60 days late on payments that month .They report Im 120 days late on payments on XX/XX/XXXX but 150 days late in XX/XX/XXXX which is 60 days later. Who are they to assume anything when they dont even have any data available for XXXX 2022.They are saying it is an XXXX XXXX which is false .You will remove these accounts or I will sue you for violating the FCRA .This is harassment and abuse, EXTORTION, DEFAMATION of character and a breach of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently found out when i paid for my credit report, that i was a victim of fraud i went to the police station filed a report also filed a idenity report and sent it to EXPERIAN XXXX AND XXXX only XXXX fixed the issues experian and equifax refuse to fix these fraud accounts on my credit report i demand that cfpb stops in and takes control and help fixes these fraud accounts. thank you i have all documents that i have sent them that i will upload.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a certified letter to EXPERIAN disputing the XXXX XXXX XXXX ACCOUNT # XXXX, EXPERIAN responded saying they verified this account as accurate, however on my recent report the " STATUS UPDATED '' did not change and under the " COMMENTS '' section Nothing was mentioned about my Dispute at all. So obviously no Independent Investigation was actually done by EXPERIAN. I am requesting deletion based upon the fact that EXPERIAN did not follow procedures as outlined in the FCRA.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act Discover Bank # 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 an account without my written instructions.

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.
Product: Debt collection

To Whom It May Concern, I am writing to formally dispute the collection account reported by " Transworld System Inc '' on my credit report and to request an investigation into their practices and compliance with federal consumer protection laws. 

1. Lack of Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information upon request. Despite my repeated requests, " Transworld System Inc '' has failed to provide the necessary validation information for the alleged debt. This failure to provide validation before placing the collection account on my consumer report is a clear violation of this regulation.

2. Right to Dispute : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers are entitled to dispute the validity of a debt. However, " Transworld System Inc '' has not provided me with a proper opportunity to dispute the account, nor have they acknowledged or addressed my disputes in accordance with this regulation. 

XXXX. Misleading and Deceptive Practices : I believe that " Transworld System Inc '' is in violation of the Fair Debt Collection Practices Act ( FDCPA ) by employing false, misleading, and deceptive means in their collection practices. Their conduct is not only unethical but also in direct violation of federal regulations protecting consumers from such practices. 

4. Unauthorized Reporting and Disclosures : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency is prohibited from furnishing any account to a consumer reporting agency without first providing all required disclosures. " Transworld System Inc '' has not adhered to these requirements, thereby violating my consumer rights. 

XXXX. Proof of Licensing and Bonding : Additionally, I request that " Transworld System Inc '' furnish proof that they are licensed and bonded as required by state and federal law to engage in debt collection activities. This documentation is necessary to ensure their legitimacy and compliance with legal standards. 

Request for Action : I dispute owing any and all debts to " Transworld System Inc ''. 
I request immediate debt validation, including the purchase agreement between " Transworld System Inc '' and the original creditor. 
I revoke any and all rights " Transworld System Inc '' may have to communicate with me through email, text, or phone calls. 
I request proof that " Transworld System Inc '' is licensed and bonded to collect debts. 
I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action against " Transworld System Inc '' for their non-compliance with the aforementioned regulations. I also request that you assist in ensuring the removal of the disputed collection account from my credit report until proper validation and proof of licensing and bonding are provided. 

Thank you for your attention to this matter. Please confirm receipt of this letter and provide me with an update on the progress of your investigation. 

Sincerely,
Product: Mortgage

REF : Letter of Explanation for Dispute on Huntington Bank Mortgage Dear To Whom it May Concern : I have never been late on any mortgage payment on this loan or any other mortgage loan. The only late payment, which was erroneous, was on XX/XX/XXXX for Huntington Mortgage ( XXXX ). 
Forbearance I entered into forbearance in XXXX due to my tenant having employment issues as a geriatric nurse. XXXX removed me from autopay due to forbearance agreement. I called them back in XXXX XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to discuss restoring autopay for my loan and completing the Forbearance Agreement. They finally sent documents to end the forbearance in XX/XX/XXXX. XXXX stated in XXXX that they tried to reach me several times in XXXX but we discovered they were only trying to reach me on my new XXXX fax line ( XXXX XXXX ) which I never answer. I stated they must call me on my cell phone of XXXX  years ( XXXX XXXX ). 
Payments I continued to make several payments such as XXXX, XXXX and XX/XX/XXXX even though I was still in forbearance. This shows I was actually ahead in my payments. I talked again on XX/XX/XXXX to make another payment and to begin autopay. XXXX stated that the autopay will take affect on XX/XX/XXXX and that I must continue to make manual payments for XXXX and XXXX. I called again on or about XX/XX/XXXX to make another payment since the online website was still having issues with being able to complete an online payment. It was my understanding that the XXXX person was completing another phone payment for me. 
I then called in XX/XX/XXXX to make my final manual payment for XX/XX/XXXX. They told me that they were still waiting on the XXXX payment and that it was already over XXXX days past due. I was extremely upset since I was planning for XXXX  years to perfect my credit and Refi my mortgage. I attempted many, many times to restore XXXX since that is the simplest and most reliable method for payment. It seems XXXX was not able to : XXXX simplify the process of completing the forbearance agreement, XXXX restore autopay while forbearance was being completed for months XXXX correct any online issues to make online payments. 
I have kept up with my payments for decades and now is the time I need to capitalize on my excellent payment record. However, I tried many, many times to avoid this type of incident since it was possibly affect my credit rating and my new mortgage payment by a large amount. 
I am requesting that HM reverse the late payment for XX/XX/XXXX so I can move forward with my well-earned credit rating. 
Best regards, XXXX XXXX XXXX
Product: Credit card or prepaid card

I was given a Garnishment XXXX  work for the following card : Midland Funding LLC aka Midland Credit Management who has now taken over the company and/or debt.

I have written ( Certified receipt ) to the company and asked them to send me information on the original contract and to show my original signature to prove it was my debt. 

I have also joined a credit system company to get my finances in order as well as my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681 Experian has violated my rights and continues to report inaccurate data on my credit report. I am starting legal actions against them.

All violations can carry a fine of {$1000.00} each and there are several. This does NOT include fees for my attorney and my own costs to rectify this situation. Experian could be liable for over {$10000.00} in total court costs. 

1. XXXX XXXX - several times I have spoken with representatives from XXXX, and they have agreed this account is to be removed from my report. I have disputed XXXX over 4 times with this. And yet Experian STILL shows this account. I am within my legal rights to demand this account be removed from my XXXX report. The account ASLO still shows after disputes inaccurate information! 

2. XXXX XXXX- There are 2 accounts ( closed ), that contain inaccurate information, and when I spoke with a representative, these accounts are okay 'd to be removed from my credit report. The accounts still show and the inaccurate information STILL shows as well.

3. XXXX XXXX - Collections account - This account was paid in full and XXXX XXXX  greed to remove this from my report and yet it still shows in my XXXX  credit report! This is a violation of my consumer rights. 

4. XXXX XXXX - This account was voluntarily closed and I spoke with a representative from XXXX XXXX and this account is to no longer be on my credit report. There are also inaccuracies on my report that even after multiple disputes, they still show! 

5. XXXX XXXX XXXX XXXX XXXX XXXX  -- This account was also voluntarily closed and after I spoke with XXXX XXXX representative over the phone, they had agreed this account should no longer be on my credit report, but it still shows! There are also inaccuracies on my report. 

6. XXXX XXXX - This account is closed and paid. There are also several inaccuracies in this account on my credit report from Experian. XXXX XXXX also sent my father certified information to inform us that they are not seeking moneys from this closed account and that it should not appear our reports. However, Experian still shows this account. 

There are multiple inaccuracies in my PII section which my lawyer sent an affidavit demanding removal of inaccurate information. Experian has NOT done this! 

I am left with no choice but to start legal procedure against Experian if these accounts are not removed immediately. 

ALSO -- I tried to delete my Experian account and sent them and email demanding this, they sent me an email and TOLD ME DIRECTLY to rely to that email ... .WHEN I DID, that reply said this email account is no longer monitored! to NOT delete my account after I request it is also a violation of my privacy.
Product: Debt collection

Convergent Outsourcing, particularly XXXX XXXX, continue to call my job, harassing secretaries and anyone else who will answer the phone. She constantly leaves messages with my coworkers informing them of the debt and often leaves the company 's name, phone number, and a reference number. I have repeatedly asked her not to contact me at work as this jeopardizes my employment and is in clear violation of the FDCPA. 

I have also sent a written cease of communication notice that she claims she never received.
Product: Debt collection

I recently found a large debt collection on my Credit Report. The attempted debt collection was for a past debt paid from a credit grantor, XXXX XXXX XXXX. For over a year the debt related to that account has been reported as a balance of {$0.00}. I paid the outstanding amount shortly after they closed the account. THE MIDLAND CREDIT MANAGEMENT collection account appeared on my credit report on XX/XX/XXXX. The account is listed as opened on XX/XX/XXXX. As of XX/XX/XXXX, the original creditor reported the account as charged off with a balance of {$0.00}, reflecting that I had paid them for the outstanding amount. This account was originally opened on XX/XX/XXXX. For many months, this account has been listed as an old charged-off account, reporting a {$0.00} balance on every credit report I can access. Midland Credit reports that the Credit Claim was opened on XX/XX/XXXX. However, the Collection Account only appeared on my credit report as of XXXX. I dispute several issues - 1. I paid the original debt to the original creditor 2. My credit report has listed the outstanding balance as {$0.00} for nearly a year 3. Midland supposedly started collecting this ( inaccurate ) debt in XXXX of XXXX, yet it only appeared on my report a week ago. I paid the original amount. However, even if I had not, the fact that the original creditor listed my balance as {$0.00} for over half a year created ( Again, not admitting this is accurate ) the impression that there was no outstanding debt and, therefore, I had no reason to address the debt. Suddenly, having a $ XXXX debt appear in a collection account out of the blue after being led to believe that all debts were paid is, at a very minimum, deceptive and unjust. However, all that said, my pain point is that this debt has been paid, and the debt being " collected '' is one that I have already addressed. I am happy to share screenshots and saved copies of my credit report showing the account listed as having a {$0.00} balance. This new collection has dropped my credit score by over XXXX points and has put me at a severe disadvantage in my pursuit of home ownership, and I hope this can be rectified promptly. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It been over 30 days no response for Experian, XXXX and XXXX on fraud account report.
Product: Debt collection

Dispute with the company on XX/XX/2022. Company have received my dispute XX/XX/2022. It is now XX/XX/2022 and Ive have yet to hear back from the company to validate the debt they claim I own. The FCRA gives XXXX XXXX to respond. I have not gotten a response