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

I opened an account XX/XX/2021 at PNC Bank with a {$400.00} bonus if I met direct deposit total for Virtual Wallet with XXXX XXXX  I used the link to " Apply Now '' at their website. 
I met the {$5000.00} total deposit, but received only {$100.00}. When I called customer service to help, they said something went wrong with the account creation and would get it resolved within 24 hours. 
That was 2 months ago and now PNC claims the account was opened as a Virtual Wallet which only gives a {$100.00} bonus.
Product: Credit reporting or other personal consumer reports

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

Account Name : DEPT OF ED/NELNET Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Beginning XXXX of 2025, Freedom Mortgage is expecting me to pay {$1000.00} per month for my mortgage. Freedom Mortgage acquired my fixed mortgage about 3 years ago and my payments have always been in the $ XXXX {$950.00} range. There have been no property tax increases where I live and I pay my homeowner 's insurance separately. So it is impossible for my mortgage, again on a fixed mortgage with a 25-year term, to go up so high. I contacted them about it when they first showed I needed to pay {$1100.00} per month and they were charging me for insurance. I battled with them about getting it right and they did a second Escrow Analysis and have come back with a monthly amount of {$1000.00}. This is about {$60.00} per month higher than I am paying now, which means {$710.00} or so more annually. The documents they have sent me in the mail and that appear on the app DO NOT tell me why they have increased it so much. The numbers I see are arbitrary and do not add up to anywhere near what should be the monthly payment on a fixed mortgage rate. There is something seriously corrupt or criminal about what is going on here. I would make special note and draw attention to a XX/XX/year> " Paid In '' amount of {$1100.00} with a " Paid Out '' amount of {$0.00}. In all previous Escrow Analysis tabulations the XXXX " Paid In '' and " Paid Out '' amounts were {$0.00} across the board. There is nothing to tell me what this amount is for and why I am paying it. It is as if they are just demanding that I pay them for something that has never been paid before and there have been no changes to my property taxes or my insurance costs.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 
It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. I need the remaining account removed : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In a response letter from XXXX on XX/XX/2023 from my compliant filed on XX/XX/2023, they mentioned that " we confirmed your charge off accounts are not reporting to XXXX '' when in fact they are reporting to all 3 credit bureaus : XXXX, XXXX, and XXXX. Initially, the charge off accounts were only reporting on XXXX. 

So are they incorrectly reporting to XXXX and XXXX? Should these charge off accounts be only reporting accurately on XXXX?
Product: Credit reporting or other personal consumer reports

I went to check my report and I see all these hard inquiries on my 3 credit bureaus that was not me that is not link to any account demand removed from my report
Product: Checking or savings account

I sold items online to a buyer in another state ( Idaho ). The buyer went to the bank with my information and made a CASH deposit in the amount of {$6000.00} I called the bank to verify that the cash deposit was made and that the money was posted to my account. They told me that the cash was in my account so after confirming this, I gave the buyer ownership of the items that I was selling. The next day I woke up and the money was being " held '' by the bank ( my money ) and it was not available. Now the bank says that they wo n't give me the money because the person told them that they " deposited the money under duress ''. I 'm not sure what that means but I sold an item for CASH and when the money was in my account I believed our transaction to be complete. I have receipts and other proof of this VALID transaction. THE BANK IS HOLDING MY MONEY HOSTAGE!!!!
Product: Mortgage

In early XXXX of XXXX I inquired about loan assumption. A Roundpoint representative ( representative ) assured me that I would be able to assume the loan. During these initial phone calls, it sometimes seemed as if the representative did not understand me and it was difficult for me to understand the representative. What was clear however, was that the representative was sure that I could apply for assumption. So, I proceeded with what I understood to be the process for assumption. 

On XX/XX/XXXX, I requested by email ( attached ) that the paperwork for the loan assumption be sent to me, as directed by a Roundpoint representative. In XXXX, I followed up with Roundpoint by phone to confirm that they had received my email requesting loan assumption paperwork ( packet ). A representative confirmed receipt of that email and stated that the packet would be delivered shortly. 

On XX/XX/XXXX, I sent a letter via email ( attached ), requested by Roundpoint, with details of names of the current owners and assumptors. I received an email confirmation of receipt of that letter on XX/XX/XXXX. In mid XXXX, the co-owner of the property called Roundpoint to follow up on receipt of the required letter. The co-owner was told by a Roundpoint representative that a customer advocate was reviewing the assumption. 

On XX/XX/XXXX, I sent an email to Roundpoint asking for guidance on next steps for continuing the assumption process. On XX/XX/XXXX, a representative from Roundpoint contacted me via email with an attached assumption packet. 

On XX/XX/XXXX, a representative from Roundpoint contacted me via email to tell me that I can not assume the loan ( attached ). 

In XX/XX/XXXXand XX/XX/XXXX I inquired via email to a Roundpoint representative about restrictions to assuming FHA loans and whether my brother alone could assume the loan. A Roundpoint representative then sent me HUD XXXX Chapter XXXX as proof that I can not assume the loan and an email suggesting that my brother could apply but could not assume the loan unless currently living in the home and if he is a different brother than the one who was interested in assuming the loan in the first place. 

I still dont understand whether this loan is assumable or not, and if so, by whom. Furthermore, I do not understand why I, my brother, or both of us can not assume the loan. This poor service on the part of Roundpoint Mortgage has led me to lose lots of time preparing for assuming a loan that they seem to not want be assumed, it has contributed to : my ex-partner accusing me of lying about the assumability of the loan, a missed half mortgage payment, threats of filing a partition of property, stress, poor performance in school, and me spending a great deal of energy investigating options for a conventional refinance with another lender that will cost thousands more than an assumption at a higher interest rate, and perhaps a lower market value if assumability was indeed an option for this and future transfers of ownership.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the predatory lending practices and inaccurate reporting of information by XXXX, a creditor with whom I have a loan agreement. It comes as no surprise to me that XXXX ranks among the top 100 companies with complaints to the CFPB, given my firsthand experiences with their unethical conduct. 

XXXX has consistently reported inaccurate information to all three major credit bureausTransUnion, XXXX, and XXXXregarding late payments on my account. These late payments have been reported inconsistently, with varying information provided to each credit bureau. Despite my repeated attempts to rectify this situation and request validation of the data reported to the credit bureaus, XXXX has failed to provide satisfactory documentation or proof of the reported late payments. 

Moreover, XXXX employees have resorted to harassing tactics, repeatedly calling me after I escalated my concerns to the CEO via email. Despite my legitimate requests for documentation and proof of the reported late payments, these employees have dismissed my inquiries and even claimed that such documentation does not exist. 

For over two years, I have diligently made payments on my loan, yet due to XXXXXXXX XXXX predatory lending practices, the balance has decreased by less than 15 percent of the original finance amount, despite paying {$650.00} per montha significant financial burden for me. Adding insult to injury, XXXX has failed to send regular statements regarding my account, further complicating matters. 

The inaccurate late payments reported by XXXX have severely damaged my credit and financial reputation, making it challenging for me to access credit and financial services. Despite my efforts to resolve this matter with XXXX, they have shown no willingness to rectify the situation or provide me with the necessary documentation. 

Therefore, I implore the Consumer Financial Protection Bureau to intervene and conduct a thorough investigation into XXXXXXXX XXXX predatory lending practices and inaccurate reporting to the credit bureaus. I ask that XXXX be held accountable for their actions and that they are required to provide me with the documentation and proof of the reported late payments as requested. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these issues and protect consumers like myself from predatory lending practices and inaccurate credit reporting. 

Sincerely, XXXX XXXX
Product: Bank account or service

Bank of America issued a new debit card without consulting me and without my consent while I am abroad. This has effectively rendered me unable to obtain cash in local currency while abroad. In my opinion, such action is criminal as it puts customers at potentially significant risk. If Bank of America suspected my card had been compromised, they should and could have consulted with me first before issuing a new card. There are absolutely no fraudulent transactions on my account. Instead, their haste has put me in quite a bind.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX, I made 2 purchases of digital currency through Coinbase. On XX/XX/XXXXmy debit card was re-charged for these same purchases. Coinbase recommended that affected customers seek charge reversal through bank, which I did and my account was re-credited for only the duplicate charges. On XX/XX/XXXX, I was told by Coinbase that my account was locked until I completed payment for 2 purchases. Those transactions in question were the same transactions completed in XX/XX/XXXX, that I was double charged for in XX/XX/XXXX. I sent reference codes for purchases, and bank statements proving payment to Coinbase support specialists. They only reply to tell me that my account will be unlocked upon payment. I have already paid for these transactions and refuse to pay again ( {$530.00} ). My account is locked with {$1300.00} USD that they arent allowing me to access or withdraw from their exchange. I have sent them all necessary proof of payment and still they tell me to complete purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was exposed on line around XXXX XXXX XXXX  there was multiple fraudulent accounts. that was opened or attempted to be open. after filing police reports and identity theft reports. i was able to clear most of the fraudulent accounts up. form the consumer reporting agencies. but XXXX XXXX XXXX XXXX XXXX is refusing to remove 7 of the hard inquires that was unauthorized and fraudulent. with many attempts to clear this up. they are still refusing.
Product: Debt collection

This company keeps calling me on my cell phone. I keep telling to stop calling my cell but they keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX were XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX XXXX XXXX ; XXXX La XXXX Ct, XXXX, CA, XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX CA, XXXX ; XXXX XXXX Ct, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX Av, XXXX, CA, XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  - XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX  XXXX Date Filed XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I was forced to close my CITIBANK checking account and re-establish a new account due to suspected fradulalent activity. I am unable to establish a checking account due restriction placed on me through a company called XXXX XXXXXXXX XXXX. I have been in contact with XXXX XXXX XXXX and have an unresolve dispute. I believe misleding information reported by CITIBANK to XXXX XXXX XXXX  regarding the suspicious activity that had occurred with my personal banking account. I have no balance owed to any financial institution including CITIBANK. Why am I being restricted? I was the victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SIXTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite five previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXXXXXX Date opened XX/XX/2019 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court. 

There is also a bankruptcy in my credit report. It was included in my current report that it's already deleted and when I check the actual report, it's still showing on it. I've attached my recent report here that says it's already deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts on my credit reports were dismissed in court but the credit reporting agencies refuse to remove them and one account, LVNV Funding,  uses several different collection agencies in an attempt to collect. The other account is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went with dmb financial in XXXX of XXXX they still have yet to payoff one of the creditors after 42 months.i have asked several times how many payments i have left first they told me it would XXXX but could not give a month. now they are saying XXXX of XXXX.I have already paid them XXXX dollars and they have paid off XXXX.I feel I have paid these people more than enough.
Product: Debt collection

Transunion committed unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by ( 2 ) relying excessively on furnishers to resolve disputes, routinely doing nothing more than sending the dispute to a furnisher and implementing the furnishers response, despite having evidence of that furnishers unreliability. They've allowed the errors from XXXX XXXX to remain on my credit report. It has been well OVER a year. I've disputed the discrepancies many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XX/XX/23 - Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXXXXXX Unauthorized Inquiry XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXX XXXX Unauthorized Inquiry XXXX XXXXXXXX Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX have never sent me anything in writing or provided any statements and I need them all evidence you have in writing about all my account under ssn numbber XXXX and any evidence you have of accounts on the XXXX cards. Please provide any details you have about your texts coming to me as ( XXXX ) XXXX XXXX and explain it to me what it is all about. under case case no. XXXX was 10 percent lies in addition were instructed that, I INFORMED XXXX XXXX THAT IF HE WANTED TO FILE A CLAIM HE CAN CONTACT THE CLAIMS DEPARTMENT AT XXXX XXXX. 

But every time I call I am rejected so please contact them and let them know that the resolution department resolution specialist regulatory complaints in a letter authorized the filing of an claim by XXXX XXXX XXXX XXXX so that I am no longer being illegally denied. 

XXXX at bottom of the letter.
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my right, And lists of unauthorized inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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