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

On Sunday XX/XX/XXXX, I received a XXXX chat from my cousin, XXXX, asking to borrow XXXX {$500.00}. which she was going to repay the next day. I sent the money to her via XXXX and called her to confirm it was done. I couldn't reach her so I called her husband and it was at that point that they told me her cellphone was hacked and it wasn't her requesting the funds. I immediately called my Account holder, PNC Bank, and the XXXX assisting me told me the transaction was pending and she couldn't do anything about it, the Bank wouldn't even allow me to file the complaint until Tuesday when the transaction was settled- makes not sense! After the Bank wouldn't take the report I drove over to the XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX ) and made a report there. 
When I was finally allowed to make the report to the Bank via the telephone they rejected my claim. I drove over to the local Branch with all the evidence ( the texts, Police Report ) hoping that it would solidify my case, after they would have seen that there was no way I could have known I was texting with a scammer. They again rejected my claim. I filed a complaint with the FTC and sent an email to the Head of PNC 's Retail Banking ( XXXX XXXX ), after my claim was rejected a third time. 
I ask that you kindly look into this for me with the aim of having my funds returned to my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I was never late on this account- Please check the status on this account. 

XXXX XXXX  This is completely inaccurate. 

XXXX XXXX XXXX XXXXXXXX I do not recognize this. 

XXXX XXXX  This is not accurate. 

XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXXXXXX This doesn't belong to me. 

XXXXXXXX XXXX XXXX, I dont recognize these inquiries. 

XXXX XXXX XXXX XXXX The following personal information is incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect.
Product: Credit card or prepaid card

This complaint is about XXXX credit card. I have been faithfully paying amounts exceeding the amounts due every month and was nearly complete in paying the credit card. This month I looked at the statement and 100 % plus some of the existing balance had been charged to the account. They are charging multiple fees for the same description within days of eachother. The fees are classified as adjustments and finance charges rolling from " promotional to rolling '' and were charged in XXXX 2017. I never receive communication regarding the assessment of these fees which would have enabled me to close the account sooner. This company is also routinely raising prices prior to sales and then presenting false hooks tag sale offers which exceed the prices prior to price hikes. I have notified the company that I would be reporting these issues to CFPB. I am seeking restitution for the {$330.00} in fees, but I strongly feel it is important to inform other consumers of their practices. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have contacted you about this company and I'm about to get an atty, this account does jot belong to me. 

below is the info, this account dropped my XXXX XXXX XXXX points and its stopping me from biyung my home. 

XXXX opened XX/XX/2018 ( I think, Im not sure now ) its reports closed
Product: Mortgage

We applied for mortgage with interfirst bank upon recommendation by XXXX XXXX. The app was completed XX/XX/2022 & at the same time, I uploaded the signed contract, legal description of property, and received a loan estimate. XX/XX/XXXX, loan officer XXXX says looks good, normal turnaround time 45 days, so closing date of XX/XX/XXXX would be fine. XX/XX/XXXX, loan officer tells our realtor that interfirst has limit of 10 acres but would not cause a problem in our case of 19ac because the house was on 10ac and other 2 adjoining lots of 9 ac total were underwater and not buildable. Later that same day, email rec 'd from XXXX, congrats we received conditional approval. Conditions then received from loan officer XXXX. They had nothing to do with acreage, just normal evidence documents of money and appraisal, selling current home. XX/XX/XXXX loan officer XXXX confirms receipt of title commitment showing XXXX acres. & says underwriting reviewing conditional items final review. XX/XX/XXXX XXXX sends appraisal payment form & fee is {$490.00} and is paid same day. XX/XX/XXXX XXXX says appraisal will be {$920.00} I mention that's higher than loan estimate. She then credits diff as goodwill gesture. XX/XX/XXXX XXXX says title company wants new survey & cost is {$4000.00}. I say loan estimate has XXXX estimated for survey. Realtor steps in says he will pay and we reimburse him at closing. I ask XXXX to credit that amount back and she says mgt will have to review. We extended loan approval date to XX/XX/XXXX and seller says she will not extend beyond that date. I advise XXXX we need to get appraisal done asap. XX/XX/XXXX XXXX says it appears loan will be denied due to the property acreage exceeds 10. I sent several emails to XXXX, XXXX, and quality assurance manager XXXX via XXXX but no one responds. XX/XX/XXXX we receive an email from XXXX saying the loan is denied. Attached to the email was a letter stating it is denied due to unacceptable property. XX/XX/XXXX advised XXXX we took out appraisal contingency and that I would be contacting cfpb and/or atty if we could not get this worked out. Spoke with several other lenders who confirmed the property would be acceptable under XXXX XXXX  guidelines that Interfirst mortgage uses, but it needed to be explained to underwriting that it had to be done manually showing property over 10 acres was unbuildable. This was supposedly easy to confirm because the acreage was under a lake. I also spoke with an appraiser who also said that as long as the acreage couldn't be built on, it was done all the time. I have emails to support all of these items and dates showing that InterFirst were well aware of the acreage at the very beginning of the process, and we even discussed it mid-way through. They failed badly on their loan estimates, which may have caused them to change their decision instead of correcting them properly. These errors of ignoring the size of the property and underestimated fees on the loan estimate had resulted in us losing the deal, the money we spent on due diligence, and lost mortgage interest rates as they were rising quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan started with XXXX in XX/XX/XXXX as of XX/XX/XXXX they have 26 payments. I have been told I still am behind one payment I have sent my bank records and they say I have made the payments but the system says I am behind. I have incurred late fees over this. Have 4 over 30 day marks on my credit. My payments is due the 30 every month and I have done that. There are some payments that have not been fixed either. 
XX/XX/XXXX payment posted according to their records on XX/XX/XXXX. I sent a payment XXXX, XXXX, XXXX i asked the extra from the XXXX be added to the XXXX that has never been done. Furthermore the XXXX, and XXXX payments have never Bern combined either. My payments started XXXX XXXX to date I have made 26 payments. I am not missing a payment. I would ask for these things be corrected as I have asked for MONTHS FOR THE PAYMENTS BE CORRECTED. I have called since XX/XX/XXXX sent out emails to the proper department and not resolution at all.
Product: Credit reporting or other personal consumer reports

Additionally, the FCRA mandates that credit reporting agencies maintain accurate information XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the repossession each month creates an inaccurate and misleading credit report, which negatively impacts my credit score.

Moreover, the statute of limitations for reporting a repossession is seven years from the date of the first delinquency leading to the repossession ( 15 U.S.C. 1681c ( aX4 ) ). Reporting this repossession multiple times does not extend this statute and is therefore improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the repossession from my payment history. 

Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

On or aroun XX/XX/22. Fraudulent purchase ( s ) were made from my account charged XXXX $ in Intrest charge ( s )
Product: Debt collection

On Wednesday XX/XX/2021 I called Eastpoint Recovery Group, the intention of that phone call was to only to ask them about the amount i owe, i told them about my situation and was almost able to work out a deal with them, i have also known of this because i delt with past collectors and was to work out a deal with only {$25.00} bi weekly for 4 years they gladly declined and told me to pay {$1000.00} down payment and $ XXXX monthly and then i told them to let me think about it, then they transfered me to the manager, in that case he expected me to come up with the payment of {$4000.00} up front today and let me tell you, nobody has just {$4000.00} up front and then he said do you want me to call my mom, i told him i do not want him to call him, its because i work with her from time to time and most of the time she is out of town and she gets XXXX  out all the time, i told him the type of money i do not have it, untill probably like 3 to 4 weeks and first of all i do not know how in the world they got my moms number from. This is literally in the agreement i attachted below that you can not contact anyone besides my spouse about my debt.
Product: Mortgage

Loan Servicer : Amerisave Mortgage Corporation Loan Type : Conventional Loan Tenure : 30 yrs fixed at 2.5 % Issue : Incorrect tax assessment. 

I purchased home in the city of XXXX XXXX on in XXXX. My loan amount is {$420000.00}, and my monthly payments are calculated to be {$2900.00} which includes PMI, {$130.00} ( Homeowners Insurance ), and county taxes. 

Currently county taxes for my home is {$11000.00} which is very close to previous year taxes ( {$11000.00} ). 

My loan servicer is claiming based on new escrow analysis done by them in XXXX that taxes for the year is {$17000.00} which is completely wrong. And because of this they had increased my monthly payment to {$4100.00} from {$2900.00}. So basically, I must shell out extra {$1200.00} every month. 

When I look closer at the statement, they have provided to me, they claim that they paid {$11000.00} in taxes on XXXX and again in XXXX {$5700.00}. Not sure why? 

I tried to call them multiple times and they said its a mistake but dont know how to fix it. I am not sure what needs to be done at this point.
Product: Credit card or prepaid card

On XX/XX/2020 there was an unauthorized charge on my XXXX Mastercard ( Barclay Bank ) account in the amount of {$50.00} for a charge to XXXX. I called Barclay Bank and they reversed the charge of {$50.00} charge and the card account number was cancelled. Barclay Bank stated that they were going to mail me a new card. I never received a new card. 
Then on XX/XX/2020 and on XX/XX/2020 there were six ( 6 ) unauthorized attempts to withdraw money against my account at a XXXX XXXX. I received an alert on XX/XX/2020, I called Barclay Bank and informed them that I never received the new card and that I never attempted to use the card at a XXXX XXXX. On XX/XX/2020 Barclay Bank stated that they would investigate the fraudulent {$700.00} that Barclay Bank did permit to go through on XX/XX/2020. On XX/XX/2020, I called Barclay  Bank because I saw the unauthorized {$700.00} cash withdrawal at a XXXX XXXX did go through and it was appearing on my paper statement. On XX/XX/2020 the Barclay Bank representative stated that since the {$700.00} withdrawal was a card with a " chip '' and used at a merchant, I am responsible for the transaction.
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 confidentially under 15 USC 1681. 

Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Section 602 A. states I have the right to privacy.

15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 inaccurate and violating my federally protected rights. Im respectfully requesting these accounts be deleted. That you for your time!
Product: Debt collection

I am trying to improve my credit. There is a duplicate collection account that I have been trying to get removed from my credit reported. The collection agency keeps telling me they are reporting it as closed, but it keeps showing on my credit report as an open collection, but it should be closed and showing as paid or settled. I have contact  XXXX  - they say I will know something in 30 days. I have contacted  XXXX  they also said  30-45 days b efore investigation complete. But,  XXXX  sent me an email stating that this information is correct and the collection will remain open, this is not correct I have paid this and it should be showing as paid/settled on my credit report. Can you please help me get this resolved, I am trying to purchase a home and this is keeping m   y credit score down. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repetitive tried to get credit karma to change my last name to my new legal one since getting married XX/XX/XXXX. They refuse even though I have gave new drivers license, new social security card and marriage certificate.I want my last name changed from maiden to my married. From XXXX to   XXXX Contacted them XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX email and numerous times thru website. 

Thanks for contacting Credit Karma Member Support! We're currently experiencing high volumes and will respond to your message as soon as we can. 

We've received your request and created Ticket Number XXXX. If you'd like to add to your message, please respond directly to this email. As a reminder, here is what you submitted : XXXX, XX/XX/XXXX, XXXX XXXX PDT : Again I am requesting you change my last name from XXXX to XXXX as it is now been my legal last name for almost a year. 


Credit Karma Member Support, XX/XX/XXXX, XXXX XXXX PDT : Hello XXXX, Most certainly understand your concern. Credit Karma is not a credit bureau rather a Credit Monitoring Service and as such, we are unable to edit the information you see on either report and that would include your name change. 

You will need to contact XXXX and they will in turn explain what is required for you to make necessary changes. Once they have updated their file, you will then be able to make changes accordingly. 


Here 's how to contact XXXX to obtain your credit report, credit score, and or for any other reason : XXXX : XXXX ( general ) or XXXX ( fraud ) ; XXXX. XXXX  XXXX, XXXX, GA XXXX ; XXXX XXXX : XXXX ( general and fraud ) ; XXXX XXXX XXXX, XXXX, TX XXXX, XXXX XXXX : XXXX ( general ) or XXXX ( fraud ) ; XXXX. XXXX XXXX, XXXX, PA XXXX ; XXXX Hope this information proves to be useful. Should you have additional questions or concerns, please do not hesitate to ask. In the meanwhile, have a great day! 


Credit Karma Member Support XXXX, XX/XX/XXXX, XXXX XXXX PDT : I legally changed my last name XX/XX/XXXX -- -- -Original Message -- -- - From : Credit Karma Member Support ( Credit Karma Member Support ) XXXX To : XXXX XXXX XXXX : Mon, XX/XX/XXXX XXXX XXXX Subject : Re : Last name
Product: Vehicle loan or lease

Yes a entered a contract with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for the lease of a XXXX XXXX XXXX XXXX For the Sum of XXXX. I applied XXXX down with payment arrangements for XXXX for XX/XX/XXXX and XX/XX/XXXX and then fjor XXXX ( which ended up being XXXX every two weeks because I submitted on line and they charged a fee for this.I made payments every two weeks up until XX/XX/XXXX due to I was unable to get ahold of XXXX XXXX to make payments and the dealership where I got the car was closed. That is when I found out they had closed down nation wide. I was told a company called Westlake Portfilio Management took over the loans. I finally receive a letter in regular mail on XX/XX/XXXX. Stating the I owe them XXXX and was past due XXXX. I tried contacting them and I have been unsucessful until XX/XX/XXXX when I finanlly reached them requesting a credit rating letter which they sent immediatly to my email. but when I started questioning them about the amount owe and where they got that fiqure since I had made payments every 2 weeks for a year and the orginal contract was for XXXX they hung up on me. and I have not been able to get them to answer. I have tried to trade car but dealerships don't know who they would get final pay off from or who to send it to. It is not showing up on my credit report as of date, not even ehere I have paid for a year. This is very fustrating when I done everything in the contract and I am being told by a debt collector not a bank or loan company that I owe more than my contract even started out as.
Product: Credit reporting or other personal consumer reports

This company keeps reporting to my credit report. I have told them several times that this account was open fraudulently I have provided proof police reports XXXX reports, and also gave the name of the person who opened the account. I am not held responsible for this account they are not doing their job be advised this is not refusal to pay but a notice of pursuant to the fair debt collection practices fcra 15usc 1692g But this is the request of validation that I open this account I respectfully ask your company to send me proof that I have any legal obligation to pay you for account. I did not open I keep disputing this because my sister XXXX open this account phone number email banks account payments were all made by her using other peoples money. I am so sick and tired of having to dispute this. At this time. I will also inform you. If your office report invalid information to any XXXX credit bureaus XXXX, XXXX XXXX XXXX this action may constitute fraud under both federal and state law due to these facts if any negative marks is found on any of my credit reports by your company after submitting all proof that I did not open this account, I will not hesitate to bring legal action for legal action by the fair credit act violation if your office can prove that I open this account within 30 days and if you fail to provide proof, this account needs to be deleted from all three credit bureaus I have sent numerous proof of me not opening this account I am not held responsible to make payments on something I did not open or gave permission. To my sister to open this account has a balance of {$2000.00} with the over limit that I keep telling you guys I did not open and you guys want me to make payments on an account I did not open
Product: Mortgage

I send yous a complaint recently about my XXXX mortgage. I have XXXX mortgages I 'm trying to combine both of them together yous wrote back to me about it saying yous got of hold of suntrust mortgage with the loan I 'm with I talk to them and they told me they ca n't combine my XXXX mortgages which I 'm not happy with because when I got the loan they told me I was going to be able to combine and refinance both mortgages and now they say they ca n't and they said they can modified my second mortgage but I need to put 5percent down which I do n't have and plus I 've been having this home for more than 8 years and I have paid more than doubled the price with all this interest they change me I ca n't afford to pay my second mortgage I 'm working less and they do n't seem to care after all this years I 've always been on time and now I ca n't they keep calling me at first I thought they were calling to negotiate because yous have got a hold of them and no they were calling for the late unpaid mortgage and when I did get of hold of someone they said I need 5 percent down if I want to modified my second mortgage which I 'm not very happy with because I 'm tired of paying to much money and to much interest so if yous can please help me I would really appreciate it I do n't know were else to go I do n't have any money only bills and bills and it seems like they are not even trying to help me hope to hear from yous soon
Product: Credit reporting or other personal consumer reports

A complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, Equifax and XXXX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information includes accounts at Target, XXXX XXXX XXXX, XXXX and XXXX and XXXX which I did not authorize, open, make, or initiate in any way. The details of the fraudulent information are as follows : Target Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX, XXXX Auto Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX, XXXX Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX and XXXX and XXXX Account : Opened under the account number XXXX, with an initial date of XX/XX/XXXX. These accounts are the result of identity theft and fraud, and I have attached a copy of my FTC Identity Theft Report to verify that this is a case of fraud. I do not recognize these accounts, nor was it opened, made, or initiated by me in any capacity. The fraudulent entry is affecting my credit report, and I request the immediate removal of this item. Furthermore, in support of my rights under the FCRA, I reference the following court cases : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case affirmed the consumer 's right to dispute and have inaccurate or fraudulent information corrected or removed from their credit report under the FCRA. XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must maintain procedures to ensure the accuracy and integrity of the information on consumers credit reports, particularly in cases of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The court held that the FCRA requires credit bureaus to conduct reasonable investigations and promptly correct inaccuracies when consumers report fraudulent information on their credit reports. These cases establish my right to a fair and accurate credit report and affirm the duty of XXXX to act promptly in removing fraudulent information. Additionally, I have provided a copy of my current consumer XXXX credit report showing this fraudulent account, along with the FTC Identity Theft Report as confirmation.