23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I want to inform you that I am a victim of identity theft and to request your immediate assistance in investigating and rectifying the fraudulent information that has appeared on my credit report. The following company, along with the credit reporting agencies, is knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non-repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 18 USC 894 ( a ) ( 2 ), 15 USC 1681a, 18 USC 1028A, The Gramm-Leach-Bliley Act, and RICO. This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a executive member of this company put this information on a signed and notarized affidavit under penalty of perjury. Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o. Per 15 USC 1681c-2, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX ALLOWED XXXX XXXX LOAN NO.XXXX BE RE-INSERTED 67 TIMES WITH OUT 5 DAY NOTICE TO CONSUMERS BY CHANGING ACCCOUNTYPE ETC..
Product: Checking or savings account

Truist Bank sent an email invitation to both my husband and me offering a XXXX bonus to be paid if we opened a XXXX account with them on XX/XX/24 using a specific promo code, which we did ( we did this online ). You needed to have XXXX direct deposits totaling XXXX or more put into your account within XXXX  days of opening the account. You were also asked to use your XXXX  card for XXXX purchases during the same XXXX period. 

I called XXXX  to check the specifics of the promotion, to ensure that I was fulfilled all of the requirements, and they stated that I did not sign up for any promotion. Nor did my husband. 

I have seen XXXX  complaints online about Truist bank and their fraudulent promotions. 

This is just plain wrong, and they need to be stopped. Some people have argued, both in person and via phone, for XXXX, and finally got their bonus. Others never received a bonus at all. 

I already have a XXXX account with XXXX Bank, and am perfectly happy with it. I only opened these XXXX new checking accounts with Truist to get the XXXX bonus.
Product: Credit card or prepaid card

I received a letter from CitiBank XXXX XXXX XXXX rewards card stating that they were decreasing my credit limit from {$25000.00} to {$11000.00}. When calling to ask why, they basically said because they can. I schedule automatic payments through my bank, so they wo n't be late and stay consistent - often paying more than the minimum payment. I discovered when speaking with them, that I made a larger purchase and my scheduled payment of {$230.00} was not enough to cover my {$230.00} minimum payment - resulting in a late fee. I spoke to a supervisor and upon doing a review of my payment history, she realized that I had not had a late payment in 25 years ( surprised me too ). She reluctantly reversed the fee. I then tried to reinstate my credit limit as it significantly reduced my credit score. They asked for an update income as it had not been updated for 25 years and at that time I was a college student making nothing. I updated income to {$180000.00} and customer service representative verbally approved my reinstatement of credit limit, but told me it would need to go to the next level for final approval. I was told I would be notified via email, but instead I received a letter denying my request. The scary thing is that I quickly realized that any and every credit card company could to this at their will for about any reason. This would totally demolish any credit score. On top of all that, when I received my next statement, all reward points were gone - like I was n't even enrolled in the program. It 's obvious that the thousands of dollars they 've made from my interest was enough and did n't want my business anymore.
Product: Debt collection

I used this clinic XXXX XXXXl XXXX XXXX XXXX XXXX A, XXXX XXXX, NV XXXX XXXX service since XXXX The did a lot of work on my teeth In XXXX they recommended deep cleaning and one of thing called irrigation they said my insurance wont cover that and i have to pay them I already did paid for that service out of pocket In XXXX start having pain in one of the tooth they fixed and put a crown on I went back to the clinic the dentist who was working with me wasnt there and they new dentist noticed that they messed up my teeth so the send me to a specialist within the same clinic And she confirmed they did a mistake and they will refund me what i paid of pocket which is {$300.00} I havent received that check yet and I forget about since I dont live in XXXX XXXX anymore Now I received a call from collections agency regarding that service which I already paid for
Product: Vehicle loan or lease

1 ) On XX/XX/2019 I bought a car from : Carite of XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX ( XXXX ) XXXX XXXX ) XXXX secured my loan for a total of {$21000.00} ( including GAP coverage and warranty ) from : Capitol One Auto Finance XXXX XXXX XXXX Pk. 
XXXX, TX XXXX XXXX ) At the time of purchase of the vehicle, I was offered an extended warranty ( service contract for {$1600.00} ) and GAP insurance ( {$890.00} ). I signed up for both. The GAP coverage was provided by : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX Claim # : XXXX fax : ( XXXX ) XXXX XXXX XXXX ) On XX/XX/2019 I was involved in an MVA. My car was totaled. My insurance company, XXXX - as I was conducting my part time business as an XXXX driver en-route, paid for {$19000.00} minus {$1000.00} deductible or {$18000.00}. The remaining balance was provided for with the refund of my warranty and the GAP insurance I paid for. AHiS insurance was made aware of my use of the car with XXXX upon filing my claim. 

5 ) I was in contact with Capitol One, XXXX, and AHiS throughout the claims process. Eventually I became aware through contact with XXXX that everything of my entire loan balance was paid for. However, when I contacted Capitol One they told me they had not received payment in full from the GAP insurance and possibly the refund of the warranty. I called XXXX again, and I was told that checks in the amount to cover all expenses were paid to Carite, for what reason I do not understand. XXXX gave me the runaround for months until I stopped calling. I stopped making car payments when I was told the covered everything. 

My credit report indicated that I owed Capitol One. I filed a fraud complaint with the credit reporting agency, and the charge with Capitol One was removed from my credit report. This was more than a year ago. I thought everything was finished. 

I recently got emails from Capitol One, and a private investigator from a recovery company left a calling card on my vehicle 2 days ago. This has gone on for too long, and now Capitol One is going too far. They know what happened with their loan manager, or broker, and the dealer. One of them, or both of them, or all three of them if you count AHiS, is committing fraud by knowingly being involved in the issuing of and, or, cashing of an insurance check that does not belong to them. There may be fraud involved just by being aware of the situation and being in a position of authority to resolve the problem but choosing not to. I tried the best I could to resolve the issues. My best bet is the manager of XXXX kept the money, and Capitol One is aware and possibly an enabler. AHiS never gave me a reason why the check was mailed to XXXX, but according to the person I spoke to - it was, and there was enough insurance to pay for more GAP coverage if necessary.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late
Product: Debt collection

XXXX   XXXX   XXXX   XXXX  has been calling my employer in an attempt to collect a debt. When I spoke with them and informed them that this was not an appropriate number to call. I asked what company they were calling from and a phone number so I can call them back on a private line. They refused to answer and give me any information. After about 5-10 minutes of the man aggressively talking over me, interrupting me and threatening legal action, he told me the company name,  XXXX   XXXX   XXXX   XXXX , but the man on the phone would not give me his name or a phone number. I had mailed a letter requesting verification a few weeks ago and had n't received anything back. In the letter I specifically requested that all communication be done through mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with Fair Credit Reporting 609, the list of account below has violated XXXX XXXX XXXX  ACCOUNT NUMBER # XXXX It's a charge-off but they reported it as a collection. 

XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER # XXXX it's a collection but they reported it as a charge-off to. 

Also the credit bureau took more than 30 days to complete my investigation.
Product: Money transfer, virtual currency, or money service

I deactivated my account due to unauthorized access through a phone porting scam. I was able to deactivate it before any funds were withdrawn. I changed my phone carrier to a more secure company and am now trying to regain access to my account as I have a substantial amount of assets there. The customer service is almost nonexistent. I have received an email back requesting I forward I.D . and KYC documentation. I have complied with their requests and have heard nothing back for nearly a week now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly collections on the XXXX XXXX XXXX   partial account numbers are listed below. ( For further reference, please see pages 12 and 13 attached from my credit report. ) The company I worked for at the time covered all expenses on medical. I have attached copies of my insurance cards. The company has since close, however they are still responsible to pay these expenses. I was adequately covered by insurance at the time, and these outstanding balances due are not my responsibility. This incorrect reporting of multiple collections is harming my credit score. I have contacted the bureau to remove these line items from my credit report however, I have not been successful. 

Company Name Number Collection Amount XXXX XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXXXXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXXXXXX {$450.00} XXXX XXXX XXXX XXXXXXXX {$460.00}
Product: Credit reporting or other personal consumer reports

There are 2 hard inquiries from the same dealership from the same day for the same vehicle. That should only be 1 hard inquiry. Via the fair credit reporting act. All done in 14 days should reflect one inquirie.
Product: Debt collection

Six or seven years ago Chase Bank credit card tried to collect on debt that wasn't legitimate. It was fraudulent. I filed a complaint with the CFPB ( XXXX XXXXXXXX ). After some communications back and forth, Chase said they would no longer try to collect the debt. Unbeknownst to me, they filed it as a charge off. Now they're sending me a 1099-C for 2022 saying the debt is being forgiven. This means that I wold have to pay taxes on it as income. The IRS told my congressman 's office that I have to get a corrected 1099-C from Chase. I want Chase to send me the corrected 1099-C saying there was no debt.
Product: Mortgage

I was initially interested in getting a car loan, but the bank representative gave me a home equity credit line for a much higher amount than needed without fully explaining what it entailed. I made my regular payments on-time, but then received a bill for 3 times the amount of what I normally paid.
Product: Checking or savings account

I deposited my check on Thursday XX/XX/2019. They then told me that it won't be available for 7 days. They then locked me out of my account claming " suspicious activity ''. I called them on Saturday XX/XX/2019 and they said it was because my daily balance is too low and the bank could do nothing to release the funds or help me, essentially saying I'm too poor to access my funds immediately. I explained to them that I live paycheck to paycheck right now and that I need the money to pay for food, gas, and bills. I've had a couple day hold before, but never a full week. Usually it's available immediately. Their hold seems unreasonable and perhaps unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX You are in direct violation of the fair credit reporting act, ( Kohl 's, acct # XXXX ), has violated several of my rights. 

15 U.S.C. 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-and consumer credit plan as late for any purpose. 

Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Product: Mortgage

I have contacte d PNC Mo rtgage several times since  XXXX   XXXX  when I received my tax reassessment to hand le my county tax bill as w ell as complete a new escrow analysis to adjust my monthly payments to the correct amount. I have escalated several time, and have received no follow up. I have been promised that the analysis would be completed, but it is still under research - even though the new assessment value has been available  on the county web site for several months. My tax bill is now due, and it has not been paid. I ca n't speak to a human in the tax department to discuss my issue since they dont talk to customers - and the customer service area has not been able to communicate appropriately to resolve my issue. this has not been resolved and needs to be fixed. If i could refinance to another company without losing sev eral thousand dollars  - it would be done. I would like PNC to pay my tax bill, and complete the analysis promised so my bills can be correct. I 'd also like a follow up to occur to tell me the current status of my issue, when the tax bill will be paid, when the analysis will be completed, and when i can expect final resolution. Terrible customer experience, no action taken to resolve a tax matter, no urgency to help a customer, no ability to talk to the area that can help. Awful all around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with TransUnion by phone between the dates of XX/XX/XXXX to XX/XX/XXXX about this matter. I have filed a ftc report and submitted it as well via mail and fax XX/XX/XXXX. I called to confirm it was received and no one seems to have gotten it. I verified the address before I sent it out. I have not gotten any help in regards to this matter of unauthorized inquiries on my credit report. I know my rights under Frca and have stressed this to Transunion representatives, but they refuse to help me. I placed a freeze on my credit reports on XX/XX/XXXX once I learned I could use this feature. I will attach the FTC report and list the XXXX inquiries that I didnt authorize below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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/XXXX These should be deleted immediately and investigated further because I believe Im a victim of identity theft..
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed multiple credit inquiries from companies I have never heard from or have done business with thus they would have no legal right to access my file. Further for the few companies that I have accounts with that they confirmed that additional credit inquiries were not initiated by them and they must be fraudulent. I asked them to remove them however they indicated that I would have to formally dispute them with the credit bureaus and to identify them as inquires that I never authorized or gave permission for my credit report to be pulled. To be clear this is a violation of federal law and this is very alarming that my credit file has been accessed without my authorization. Seeing as I already have a fraud alert on my file I am wondering how these inquires were even made as I was not contacted to give my authorization. 

The following inquiries are the ones identified that need to be removed IMMEDIATELY as I never applied for credit with these companies either on the date in question or at all and they did NOT have permissible purpose to access my file. 

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 I have attached a copy of my ID for identity verification.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED/LOSS AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Checking or savings account

I am a victim of banking fraud. Someone duplicated my card and was able to drain my funds. I filed a honest claim with Union Bank / US Bank who refused to honestly investigate my claim, instead US pointed the finger at me claiming I allowed whoever to charge on my account which is totally unacceptable. US has a history of abusing its customers so obviously US continues to have the same reputation. US has taken all my money away from Me failed to honestly investigate my claim leaving me with no other option other then to move my direct deposit into another bank. US has damaged my life and my credit. I hope someday US will be happy to answer all its abuse to our creator who will judge. Union Bank and US Bank thank you for telling me that XXXX. and the sky is green and grass is blue.
Product: Credit reporting or other personal consumer reports

I believe the information being reported to be inaccurate. 

XXXX XXXX XXXX XXXX Balance : {$2000.00}
Product: Mortgage

I received undated Annual PMI Mortgage Notice to Mortgagor ( copy enclosed ) from my mortgage company Select Portfolio Servicing Inc. and called them whether my PMI can be cancelled. After my call, the company sent letter dated XX/XX/2019 ( copy enclosed ) that my LTOV dropped down to 64.60 %. 

As per annual PMI Notice my PMI should have been cancelled automatically when my loan reached 78 %. The company did not cancell till I submitted complain to CFPB on XX/XX/2019. 

At the same complain I wanted to refund the PMI I paid from the month loan reached 78 % as the PMI was not cancelled automatically. 

The company only cancelled the PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a first complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00}, XXXX XXXX Balance Owed : {$0.00}, XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.