23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage with PNC bank. I also have the property in land trust. Land trust was opened at the same time the mortgage account was opened with the bank 's agreement. I 'm trying to refinance the mortgage, and everything has been approved. I have to remove the property from the trust before I can refinance. I need PNC bank to sign direction to convey as Collateral Assignee to be able to remove the property form the trust ( this is a standard procedure ). PNC is refusing to do it. It 's been 3 weeks already trying to explain to them why this is needed. I have explained, my mortgage processor, the title company representative and nothing has worked. I was told by the bank that they are wasting their time with me for nothing, because i 'm trying to leave their bank. They are holding me a hostage to their service. I ca n't leave them, because they are not letting me. I need help, please. I 'm talking to one person at the escalation team and it seems like he has no idea what I 'm talking about, he is just a middle man that pushes cases and has no idea how to explain it to the proper people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the 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 XXXX Account Number : XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX  Account Number XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX, HAS VIOLATED MY RIGHTS Account Name : XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS 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 1681 C. ( 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 more than seven years.

15 U.S.C 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit for myself after I lost my wallet and I started getting several calls from different places stating that I owed money. I suspected that my identity had been compromised. I have many derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Debt collection

From the years XXXX XXXX XXXX American express Students loans And collection have been assigned to my credit report, I've sent in numerous letters to get all these fraudulent accounts removed and no real investigation is ever carried out! 

Accounts are continued to be related, I want all accounts I have disputed removed from my report permanently. It is a complete conflict of interest for companies to continue to make money reporting fraudulent data and the credit bureaus who are suppose to protect the US CITIZENS OF THIS COUNTRY CONTINUE TO ALLOW IT TO HAPPEN NO MORE!! 

I expect immediate deletions after these complaints to the bureaus bosses. I trust you will understand the rage and frustration in my letter being the bureaus have been ruining my life for years with these fradulent accounts constantly reporting knocking my credit scores down monthly further setting me back from financial opportunity, health care etc. Please rectify this immediately it has brought me great stress and hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert email from XXXX XXXX advising me that there was a change to my Transunion credit report and a credit inquiry was sent by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2018. I have not applied for any new credit cards. I contacted XXXX bank and they told me they did not see any recent applications. They advised me to call XXXX. I called XXXX and they could not help either so they asked me to call Transunion. I called Transunion and they could not help me either. 
I would like to try to get a hold of the XXXX ( XXXX XXXX XXXX XXXX ) but there was no phone number. I would like this inquiry taken off my credit report and I would like to prevent them from approving any account opening under my credit information.
Product: Credit reporting or other personal consumer reports

I signed up for a free trial membership at Experian. The problem is it won't let me cancel membership. Matter of fact it's almost impossible. Once I got notification that my card was being charged I logged on to the website to cancel membership but once logged in there is no option to cancel membership nor will it move to another screen. It's just a screen that has options to change payment type. That's it, no option to view account info or anything for that matter. It's very unfair and deceptive. I even called the customer service number and was connected to an automotive system and I followed the prompts but it was never clear to me whether or not my membership was cancelled or not.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold an account under my name to JTM Capital. The information regarding payment history is incorrect. After many failed attempts to get in contact with the company regarding this matter of reporting erroneously on each of my credit reports with XXXX, XXXX and XXXX. XXXX XXXX claims that JTM Capital is reporting on my credit but under the wrong creditor name of XXXX XXXX  and not JTM Capital. I did not even know initially that JTM Capital bought the account. Please see attached letter from XXXX XXXX detailing that XXXX owns the account and is responsible for the erroneous reporting on my consumer report. They can not hide who they are and continue to report on my consumer report in a negative way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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. 
Company Inquiries : 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.
Product: Student loan

I am supposed to pay {$230.00} per month on my federal loans to Great Lakes. I have been paying {$250.00} or more and have the excess go towards the highest interest rate ( XXXX % ). I called at XX/XX/XXXX to pay off the loan. On that date it was {$690.00}. I asked about transferring the excess to the next highest loan ( XXXX % ) and was a told to do that now because the XXXX would have a {$0.00}. So I did. A week later ( I checked my account daily ) I received a message from Great Lakes telling me they deducted the {$230.00} payment 1st ( even though not due till XX/XX/XXXX ) and then the remaining amount on my loan where I wanted the excess to go ... .they put the on the XXXX % because I was told to change as soon as I got off the phone on XX/XX/XXXX. I called XX/XX/XXXX and told them the {$690.00} went on the wrong account. They told me the {$230.00} had to come off 1st ( even though I am paid ahead ) and they would credit the other loan. They did not tell me this on XX/XX/XXXX. More than 48 hours have passed and they still not have corrected the payment. I called them again XX/XX/XXXX and they said there was a request in but it had not gone thru yet. I was told the only way to have the payments done correctly is if they do it on the day the loan is due ... .however ... they do not apply the payments that day so they don't even know what is due.
Product: Credit card or prepaid card

I contacted  XXXX   XXXX  on  XXXX / XXXX /  XXXX   regarding a APR decrease since my APR was at 27.34 %. I was told after speaking to numerous agents and finally requesting and was allowed to speak to a supervisor. The supervisor stated there were numerous accounts like mine that  XXXX   XXXX  had bought out and these accounts never qualify for a rate reduction. I explained that I 've had this account for 12 years and found it odd that there were no rate reduction. At that time it was explained to me that  XXXX   XXXX  never notifies cardholders they 're entitled to a rate reduction and that I would have to continually call in and request one. I stated that appeared to border on fraud and that they 're attempting to hide this from customers. I was told they would escalate my issue and I would receive a call back. I was then offered a {$50.00} credit to help with the interest rate. I never received a call back and contacted  XXXX   XXXX  again on  XXXX / XXXX /  XXXX   regarding this same issue. I was connected to  XXXX ,  XXXX , in VA after speaking to another representative.  XXXX  informed me that after reviewing my account I would not qualify for a rate decrease. I expressed my displeasure with this outcome and had her review my account for any offers of a rate decrease. In 5 years that the account has been owned by  XXXX   XXXX  there was no indication I ever qualified for a rate decrease and in the 7 years prior to that it was the same answer. I asked was this due to my payment history are balances and was told neither were an issue. I indicated that I was aware that none of the accounts that  XXXX   XXXX  buys qualify for rate decrease and this was a more systemic issue that appears to border on fraud. I asked exactly how many accounts did  XXXX   XXXX  own in my predicament,  XXXX  refused to answer the question. I informed her that I would be turning this issue over to the CFPB for review and I requested to close my account. I also reminded her that I  had 2 other accounts with Cap One that had no where near the APR on this card. The account was subsequently closed, however I would not have closed it if my APR had been reduced. Also I believe Cap One engages i n systematic fraud by where they charge exorbitant APRs then place the owness on the customer to figure out if they qualify for a lower APR. How would the customer know that on their own when  Cap One  holds all the cards in this arena and should have a duty to notify their customers if they qualify for this benefit. They know how to notify a customer of a late payment, so why ca n't they notify them if they qualify for a lower interest rate.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018 at XXXX a.m., I contacted Midland XXXX XXXX XXXX XXXX and spoke with XXXX XXXX regarding a judgement letter I received regarding a XXXX credit card they purchased. A judgement was entered in the amount of {$3300.00}. Enclosed in the letter, they advised they were inquiring about assests and ability to satisfy judgement. Moreover, they included a financial disclosure form to complete and return. In the letter, they stated if we are unable to reach a voluntary resolution, they may seek to enforce the judgement. 

I spoke with XXXX XXXX and attempted to negotiate the balance. He asked why I had a financial disclosure form. I referenced the letter I received and explained why I was contacting them. I received a VA XXXX check, which is exempt from being reported as per their disclosure letter. I did advise him of that ; I was trying to be forthright and honest with our situation. On repeated times, he kept asking how much the VA payment was. I referred back to their letter and advised I did not need to disclose that information. 

I next requested to speak with someone to attempt to continue to negotiate the balance. I was provided XXXX XXXX to further discuss the situation. He stated the offer of {$2700.00} was the best they could offer to settle. I further advised that it wasn't possible. I explained in detail my financial situation and that I owed the IRS back taxes as well. 

When I mentioned the letter, he stated they already filed the lien against my house. He further stated they will get paid. And, if and when I sell my house, they will get paid before any sale is completed. I asked when the lien was filed, as I've not received any notification. I then referenced the letter, stating that they could enforce judgement, but has not been done as of yet. 

He balked, took a break, then apologized, stating he mixed up accounts. I advised him that I knew my consumer rights and he could not threaten me with liens as a tactic. He made me nervous ; my voice and emotions went up. I advised him that I know the call was recorded, I was filing a complaint, and the call better not disappear. I asked to be transferred to someone else. 

I was transfered to XXXX XXXX. I explained the situation with both employees. He said sorry, there's nothing else he can offer. At that time, I disconnected the call.
Product: Consumer Loan

I did not ask for a loan from Rise Credit - They are claiming i have an open account with them and that they lent me money. I did not receive any money from them and the last XXXX digits of the account they claim to have sent the ACH Transfers do not match any account that i own. I have explained this to them and they will not move forward with trying to find out who the money was transferred to and they sent me to collections. 
They would not send me any proof of request for the loan. I believe they are a fraudulent company and my credit is now also being affected by their claims - i have been unable to resolve this with them directly and the collections company is continuing to pursue action even though i have explained that the account is fraudulent.
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. 

XXXX XXXX XXXX  : # XXXX, has violated my rights. 

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. 16815-2 ( 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: Credit card

I was late with XXXX payment and American Express assessed a {$38.00} late fee and then on top of this they are charging interest on balance at annual rate of 27 % when interest rates are at historic lows! These types of fees and rates are outrageous and simply wrong.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : Transunion Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXXXXXX XXXX ], which has been marked as " charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus TransUnion, XXXX, and XXXX : TransUnion : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' The account was closed due to inactivity. 

XXXX : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off, '' with the balance reported as a " loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. XXXX states that the account was closed due to inactivity, while XXXX indicates that the balance was reported as a loss. TransUnion reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.

Additionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account. 

I request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the " charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I am writing to request that you adhere to federal and state reporting requirements in a factual and indisputable manner without delay. The XXXX has developed a manual, the XXXX, that outlines reporting standards and requirements for adequate, complete, and verifiable data submissions. Any deviations from these standards may compromise the integrity of the data. 

Your current reporting practices are questionable and do not meet even the minimum requirements for the privilege of reporting. As mandated by law, you could have opted to report in a compliant manner, ensuring that your claims were beyond doubt. 

However, your deviations suggest otherwise, and for that reason, among others, I contest your reporting privileges and challenge you to prove that each aspect of required reporting adheres to all necessary adequate practices within your compliant reporting. I respectfully demand that you remove the requested inaccuracies from reporting immediately and without delay. 

IQ DATA INTERNATIONAL - XXXX I believe this collection is reporting inaccurately. - This is not mine - please remove this inaccuracy from my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion has ignored my request to investigated items i have no idea where they came from. The letter i mailed to them XX/XX/22 stated the things i needed fixed but yet to get a response
Product: Credit card or prepaid card

Received letter dated XX/XX/XXXX for Best Buy Credit Services. The letter is in XXXX so I can't read it. I have not made a purchase with Best Buy since XXXX so I'm concerned about fraud. I called Best Buy and was passed around and no one could help me. 

I have had other identity theft issues since last XX/XX/XXXX. 
The reference number on the letter is XXXX Thank you, XXXX XXXX
Product: Checking or savings account

I received a promotional email from Citi Bank outlining a savings account opening promotion wherein if I opened a Citi XXXX Savings account, deposited {$10000.00} of new-to-Citi funds into the account, and left the funds in the account for 60 consecutive calendar days, I would receive XXXX American AAdvantage Miles 90 calendar days following that 60-day eligibility date. 

The exact terms of the offer from the email are : " The following Terms and Conditions apply to the bonus offer associated with new account opening of the Citi XXXX XXXX  package. If you are an Eligible Customer and complete Required Activities which include opening a Citi XXXX XXXX Savings account in the Citi XXXX XXXX package as first signer, deposit New-to-Citibank funds into your On Deposit Balance within 30 days, and maintain that On Deposit Balance for 60 consecutive calendar days, you can earn up to XXXX AAdvantage bonus miles. '' I deposited {$10000.00} of new-to-Citi funds ( from my XXXX XXXX XXXXXXXX account ) into the account on XX/XX/2021. The funds were in the account until I withdrew a majority of the funds on XX/XX/2021 ( XXXX calendar days after deposit ). My eligibility date for the bonus was XX/XX/2021. Therefore, I met the requirements as outlined in the offer and am entitled to the advertised AAdvantage miles. They should have been credited to my account by XX/XX/2021 ( 90 days after my eligibility date ), but I have received 0 miles!

I have since contacted Citi Bank on 11 occasions to try to resolve this issue and they have continued to lie to me and tell me that they will credit the miles. Yet, I still have not received any miles. I was promised a call-back with an update on multiple occasions as well, and yet, I never received a call-back.

I have also filed tickets with the bank to attempt to get this resolved. The most recent update on the ticket is that the investigator determined I was not eligible for the bonus because funds were not left in the account for the required amount of time. On XX/XX/XXXX, on the XXXX try to get this resolved, a manager informed me that they believed the Investigator had mishandled the case. They agreed that the funds were in the account for the required period of time and they agreed I should have received the miles. Unfortunately, they said no one in customer service is able to make that determination officially and they can not credit the account to resolve the issue.

That manager opened a new case yet again, but I am frustrated that it's been several months and several hours of wasted time trying to get this resolved. As of today, I still have not received the miles I was promised in the promotional email though I met the eligibility requirements.

Citi Bank Reference # s : Reference # ( old number from previous case ) : XXXX New Reference # ( as of XX/XX/2021 XXXX : XXXX
Product: Debt collection

In accordance with the fair credit Reporting act Convergent Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.