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

I am writing to follow up on my recent dispute with an ID XXXX regarding unauthorized and inaccurate inquiries on my credit report that was submitted last XX/XX/2023 that is still open and no resolution has been given as of yet. I appreciate your attention to this matter and kindly request that you take immediate action to remove the hard inquiries from my credit report, as a resolution to this dispute. 

To provide you with the necessary details, I am outlining the relevant information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is a complaint against PNC Bank and its Mortgage division that handles Home Equity Line of Credit. 

XX/XX/2022 first interaction with loan officer telling him how I need to get the HELOC quickly so that I can take equity out of my house that I have built after doing a full renovation. I needed to use the money to pay off debts and to complete my house. The rate sheet provided to me was excellent and I was told that the rate that I will get will be based on the rate sheet provided ( and is reflective on the application date ). I was told the loan would take 30-45 days to close. 

XX/XX/2022 is when I submitted my documents to start the HELOC documents for my primary residence. 

XX/XX/2022 the loan officer asked if I had a coapplicant ( via text, so is available in writing ). My simple answer was " no. '' I am married but my wife has a clear credit with no debts and I did not want to have her credit pulled nor this loan to appear on her credit. 

Month of XXXX, Underwriter kept throwing the file out ( as I was told, never saw this ) because apparently I didn't have enough trade lines. I have a near perfect credit score with over 10 credit lines so I don't know whose file were they actually reviewing. 

By early XXXX, my wife was brought up as a coapplicant in one of the emails. I sent a signed letter back on XX/XX/XXXX that my wife is not a coapplicant and there is no reason to ask for her information. ( They had pulled her information from the joint tax returns that we file. ) By mid XXXX, we still did not have any resolution. In XXXX, the loan officer said that the underwriter will not clear the file until my wife 's address was proven to be the subject property. I asked again why does that matter? she is not on the loan, not on the title, or deed. I was told this is PNC process and even though she is not on the loan, I need the information. I provided one document then they needed another. So by XX/XX/XXXX, I provided what they wanted for my wife 's address although it didn't make sense as I am a loan officer of 3 years that has closed over 50 loans and I have never had to ask for a non-applicant 's information. But I complied as I was assured my wife was not on the application and her credit was not pulled. 

On XX/XX/XXXX, the loan officer called to say the loan has been approved but he made an error in the initial submission and put my wife as a joint credit applicant and so the only way to close this file is if both of us are on the loan otherwise we'll have to start again. 

At this point, we were 3 months in the process, rates have changed completely, my wife 's credit had been pulled without authorization, due to the long wait, I had to forego many opportunities, and had to take more debt to offset the balance of the loans putting my business credit on hold due to an undefined never-ending loan that would not allow me to borrow on other lines. The time lost can never be returned. Neither can the financial problems that I had to bear through this process.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, Particularly in light of the recent CFPB highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBS finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to a Dentist appointment and tried to use my Care Credit card issued by Synchrony Bank. I was told by the Dentist that they could not find an account in my name using the last four of my social. On XX/XX/XXXX, I called Care Credit and the automated message said I had an account ; and, when I spoke to a representative they informed me that my account was closed by Synchrony. I asked if I could reopen it and they asked to run my credit report and I agreed. I was then informed that I was denied credit and my account would stay closed by Synchrony. Yesterday, XX/XX/2022 I received my " denial letter '' from Synchrony with reference to my application for my care credit card. The denial reason was " existing account with our credit program. '' So, do I have an account or not. If I do, why did you state that I didn't and then run my credit report again? Synchrony Bank continues to play around with my credit and ruin me!!!
Product: Credit card

I won a chargeback against XXXXXXXX XXXX XXXX for {$370.00} because they failed to provide the product I paid for ( XXXX XXXX XXXX XXXX  prescription from the exam, contact lenses I originally wanted. ) Despite the chargeback ruling in my favor, XXXX XXXX XXXX billing dept. is still attempting to collect the disputed amount directly by sending me bills to my mailing address repeatedly and ignoring my certified mail responses disputing their claims that I owe {$370.00}. 

I contacted Citi multiple times to ensure they uphold their chargeback decision and protect me from wrongful collection attempts. However, customer service repeatedly transferred me, put me on indefinite hold, and hung up on me. The Executive Office told me this was out of their hands and directed me back to a general dispute department that has done nothing to resolve the issue. 

XXXX XXXX XXXX has threatened collections for a charge that was already reversed. Citi must formally acknowledge in writing that I do not owe anything and that this chargeback stands. Citis failure to enforce their own chargeback ruling is allowing harassment and unfair collection practices against me. I need an immediate resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. 

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened : XX/XX/2018 Balance : $ XXXX attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Debt collection

MRS has contacted me claiming to be a debt collector via text me 8 times and called me 3 times starting XX/XX/XXXX for a debt of {$60.00} on behalf of XXXX XXXX ( who I have not had service with for over 18 months )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working to get the fraudulent accounts that are on my credit removed for quite some time now. I am a victim of identity theft. I have been involved in several data breaches XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX data breach. My personal identity has been stolen and I am in need of desperate help
Product: Debt collection

I am not aware that I am being charged for something that I did not purchase, please go thorugh my report and vaerify all the information
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XXXX XXXX tried to contact Quicken loans they put down that I had a forclosure I did not I got a modification before my house went into foreclosure I have been current for four years up till the time I sold my house it was paid in full they have on my credit that my house was in foreclosure I never received a letter it never went into foreclosure they will not remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I received mail from credit collectors and I wanted to check my credit report. I tried each of the three companies Transunion, XXXX & XXXX, and none of them will give me the account numbers of the accounts on my report. Next I wanted to download a copy which only Transunion would allow me to do. Finally when I tried to file a dispute My accounts were suspended. I paid for XXXX and they still would not hel me & there is no way to cancel my account online.
Product: Checking or savings account

I received a letter from Goldman Sachs Bank USA, confirming my savings account closure. I did not open an account with them. Only the last 4 digits of the account was provided on the letter, along with my name and address. When I called the number provided on the letter, they asked me to verify the last 4 digits of MY social security number, my name, and my date of birth. I asked for additional information, which included the amount of withdrawal and when the account was opened and closed, but they couldn't give me that information. They did, however, give me information of what I needed to do to report this as fraud. They gave me the phone number for the FTC ( federal trade commission ) XXXX, but instead of calling, I came to the website, which redirected me to this site.
Product: Mortgage

Freedom Mortgage grossly and negligently estimated my escrow amount over the past few years and ended up with a shortage of nearly {$2000.00}. They now want me to pay in full for their inept skills, increasing my total monthly mortgage payment by nearly {$250.00} and adding a tremendous hardship. Freedom Mortgage is now demanding this additional payment under threat of reporting me to the credit bureaus and charging late fees. Their use of position and authority to try and intimidate me is both discouraging and serves as one of the many reasons for this complaint. If this information is published publicly, please let this serve as a warning : Freedom Mortgage deals dirty. 

Also worth noting is their sudden insistence ( at the same time of this so-called " escrow shortage '' ) to refinance my home or else take out an equity line. I believe they are using this " shortage '' as leverage to fish for more business.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX credit card account appearing in my TransUnion credit report that is not mine and I have no knowledge of it. This account was able to make a hard inquiry ( date of inquiry XXXX ) while my credit report was frozen, I called TransUnion ( XXXX ) and they moved me between various levels of supervisors and no one could explain why this company was able to make a hard inquiry and open a new account for the first time when my credit report was on active freeze. With this inquiry the bank company ( XXXX  ) managed to create an account that appears on my record. I called XXXX and there is no one with my information on their records ( NAME, SSN, DATE OF BIRTH ). There is a Transunion dispute in place ( I can provide case number if needed ) but TransUnion has not resolved the problem and removed this account that is not mine. 

This account only appears in my TransUnion report and its affecting my ability to make financial decisions severely. The other credit Bureaus XXXX and XXXX do not report this account as mine and as such their credit report is massively different from my Transunion XXXX. I am pleading for help with this situation.
Product: Credit reporting or other personal consumer reports

I SENT A WRITTEN LETTER TO THE THREE REPORTING COMPANIES TO ACCURATELY MAINTENING MY CURRENT ADDRESS AFTER I EXPERIENCED IDENTITY THEFT SITUATION USING MY PREVIOUS ( 2 ) ADDRESSES. HOWEVER, ONLY XXXX DID AS REQUESTED. 
ATTACHED IS A COPY OF MY MYSCOREXXXX REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documentation to the three credit bureaus in XXXX involving fraudulent accounts on my credit report that do not belong to me.I didn't hear anything back from them, so I submitted a FTC report as well as filed a police report with the XXXX police ( # XXXX ), and I still have not got a response from them or anything and it is now XXXX. Below are the fraudulent accounts. 

DEPTEDXXXX XX/XX/XXXX {$2400.00} DEPTEDXXXX XX/XX/XXXX {$5500.00} DEPTEDXXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$340.00}
Product: Checking or savings account

Citibank confiscated my mom 's checking/savings account, saying the account was abandoned. My XXXX year old mother, who has been in a rehab center for a year due to seriously XXXX XXXX, had a home equity loan and money market account with them for nearly 20 years and cashed out her life insurance policy last year to pay off the loan, of which she paid over {$200.00} a month in interest. Without prior notice, I received a notice from CitiBank that they had confiscated her account due to abandonment. They claim they sent notices, but since her horrible injury, I have been handling her mail and I never received ANYTHING stating this action would be taken. After being told there was nothing I could do about it, by my 3rd call they ordered me to fill out a statement citing the circumstances, the total amount of which was {$210.00}, have my mom sign it, and a check would be sent. One was sent, short the {$5.00} from the money market account. Repeated requests and demands for the entire amount, which was listed on the signed request they received, they have dug in their heels and now say .I need to fill out forms to get the {$5.00} back! It may seem like a pittance, a petty complaint, but how many people have they done this to who aren't aware it happened, especially the elderly and the XXXX? I've warned them 3times I would file a report over this, and even recommended they simply put a {$5.00} bill in an envelope to solve this problem, but they are adamant about filling out more forms eventhough the amount on my mom 's signed letter was acknowledged by CitiBank to be the amount she was owed. We came from the XXXX and CitiBanks stand on the 2nd amendment and their refusal to serve people or business who associate with the XXXX is widely known, and being members, we refuse to allow CitiBank to keep even a single cent they don't deserve! My mom is adamant ... .she wants the ENTIRE AMOUNT THEY TRIED TO STEAL! Please help us stand up to these XXXX who would rather be reported than give an old, XXXX great grandmother her {$5.00} back! We are on fixed incomes and every penny counts in this household! Show CitiBank that they can't be a XXXXBank and get away with it!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016, my Home Equity Line of Credit with First Citizens Bank in XXXX, NC matured. I asked to have it renewed. They asked for tax returns which I provided. As my returns are complicated, they asked for more information and ordered an appraisal. This information requests were repeated a few times over many weeks or months until they made a final decision to not renew and I paid the balance in full. 

During the time we were negotiating a renewal, I did not receive statements. Later I learned First Citizens had been reporting the loan as late. How could my loan be considered late when no bill was provided for me to pay? 

I have written to First Citizens twice and received no reply. When attempting to reach them by phone, there is no one available to speak with. I was told the credit reporting department does not speak with customers or former customers. I would appreciate anything you can do. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm a identity theft victim and the thief that stole my identity opened a loan in my name with a company name XXXX XXXX  XXXX XXXX on XXXX the account is closed but showing negative history that is hurting my credit and the company has yet to show proof that I XXXX XXXX signed up to get credit or a loan through.
Product: Money transfer, virtual currency, or money service

Good Morning..my dears, At Consumer Financial Protection Bureau.. greeting , On or around XXXX XXXX, I faxed my judgement file case # XXXX from [ US.Bank, XXXX XXXX, XXXX  ] To : Attention : Garnishment Department at US.bank. 
After 5 months returned back to me uncollected the Bank Altered and committed Fraud changed my judgement file case number I went back and I faxed back and so far, I haven't heard from them again.
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 U.S.C. 1681 XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX ACCOUNT # 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, 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 CONTAINTING ANY OF THE FOLLOWING ITEMS OF INFORMATION, ANY OTHER THAN RECORDS OF CONVICTINS AND CRIMES WHICH ANTEDATES THE REPORT BY 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 RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE TO ALL ACCOUNTS..

ALL THREE CREDIT BUREAUS ARE COMMITTING FRAUD BY USING AND SHARING MY INFORMATION WITHOUT MY PERMISSION AND WITHOUT MY WRITTEN PERMISSION .. BY LAW.. 

XXXX XXXX FORM SELLING SECURITIES THEY DID NOT GET MY PERMISSION TO PULL MY SOCIAL SECURITY ALL THREE CREDIT BUREAUS COMMITTING SECURITIES FRAUD THEY DIDNOT GET MY PERMISSION TO USE MY SOCIAL SECURITY. IF THEY DID WHERE IS THE FORM TO PROVE I GAVE THEM PERMISSION!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : 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.