23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I am filing a complaint against my credit card company continental finance on XX/XX/2018 at XXXX XXXX XXXX and spoke to ms XXXX I wanted apply for a credit line increase that I was told when I called XX/XX/2018 to pay my bill increases are every six months ms XXXX inform that it I should wait until the XX/XX/XXXX to apply for the increase I would have a better chance because the XX/XX/XXXX is my closing date I believe what she told me and I waited the next day I call after looking at my account and I seen was XXXX charges had hiot my account in 24 hours I immediatedly call and ask for a supervisor at the same time I called on the XX/XX/XXXX XXXX XXXX a mr XXXX inform me when he picked up the call that he was the vice president. I told mr XXXX what happened when I spoke to one of his rep ms XXXX on the XX/XX/XXXX after verifying my account mr XXXX then inform me what happened on my account he said the anniversary of opening the XXXX account fees had been applied to my account and that is why I am in the negative of XXXX and I am over my credit limit of XXXX dollars he said to me what the rep should done was to pull the agreement up and inform me of that when I spoke to her on the XX/XX/XXXX and he said because now that are over your credit limit if I apply for a credit line increase now I would be decline mr XXXX also inform me that he was going to have the call pulled to listen to phone call between ms XXXX and myself because of the advice ms XXXX gave ne to wait before applying for my increase now I can not. mr XXXX apologizes for the rep like I told mr XXXX that not solve the charges on my account the customer services rep should be accountable for the information that is giviven to the consumer I am filing a complaint also their are too high I am charged XXXX every month for use of their website i can not pay my bill on there website since i have opened the XXXX account the only thing i can do is look at my account i have call to pay my bill hey do however waived the XXXX fee that they charge for consumers to pay their bill which should be free why i am being charge this XXXX maitance fee every month and most credit cards i have i had let spread payments over a 12 month period this charge that has hit my account XXXX fees i have worked hard to maintain a good payment history on my account, for this to happen due to a customer rep working for this company giving advice to the customers i am a XXXX senior. PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. USDEPTED XXXX {$1700.00} USDEPTEDXXXX {$2200.00} USDEPTED XXXX {$13000.00} USDEPTED XXXX {$6900.00}
Product: Debt collection

I was contacted by I.Q. Data International , Inc. about a debt they said I owed for not paying apartment fees. This seemed odd as I had no issues and a clean balance sheet from my previous apartment and they never reached out to me about any debts owed. When I reached out to the apartment, they had a system error which an employee created two leases under my name and then accidentally cancelled the lease causing it to give me 'lease breakage fees '. They quickly removed the fees and sent me proof of a clean balance sheet showing nothing owed. 

I responded to I.Q. Data International , Inc. in person by calling, asking who to write to ( which they told me XXXX XXXX at XXXX - the parent company ), sent them an email in writing on XX/XX/XXXX with the balance sheet and debt info from the apartment building and didn't hear anything for a year. 

Now, on XX/XX/XXXX, they are continuing to send me letters again about the exact same charges, probably hoping I'd have forgotten and that I will pay, and I've done everything as the consumer to prove that they are completely wrong.
Product: Checking or savings account

PNC Bank is able to do lots of things for customers in real time. I can make a cash deposit or withdrawal and my account balance changes instantly. I can transfer funds and the account balances are updated instantly. Oddly, the one thing the bank can not do is to notify customers when accounts are overdrawn. Now why is this? Could it be because fees account for half of PNC 's income? The bank pays items on one day, sees that an account is overdrawn and waits until shortly after XXXX to notify a customer the account is overdrawn. They'll call this overnight processing. Somehow, they can notify me in real time during overnight processing. PNC and other banks used to do to re-order items to pay from largest to smallest, knowing that by doing this instead of paying chronologically, they could assess more fees. Fortunately CFPB took this of this practice and I am describing one more area where I hope you will work on behalf of consumers.
Product: Credit reporting or other personal consumer reports

the XXXX account on file does not match my XXXX account. my year of birth in incorrect. possible fraud. the balance shown is not mine.
Product: Student loan

I am currently unable to repay my PNC student loans. 
PNC offers little options if you are having trouble paying off loans. They offer a total of 12 months of forbearance, which borrowers can take 2 months at a time, every 12 months. I took a forbearance about a year ago and am not eligible yet. They also offer a 'graduated repayment ' option, in which you pay slightly less than your regular monthly payment for a few months, then your payment is fixed at a rate higher than what you started with. However, when I was making {$11.00} I did not qualify for the graduated repayment, so at around {$13.00} an hour, I am certain I will not qualify again. My cosigner can not / will not make payments. 

I have been trying to become current with PNC for about a month or two, and they do not have any options for me to make lower payments currently. I can afford {$150.00} a month ( my payments are $ 360+ right now ), but literally can not afford to be paying more than that. I am currently supporting not just myself but also my partner, and assisting with XXXX grandmothers going through XXXX, and do not have a way of paying {$360.00} a month right now as that is nearly a quarter of my monthly income. 

I would like to make a request for PNC to please allow me to lower my payments to $ XXXX monthly until I can afford to make the full payment. I expect to be able to do this by mid-2018. I have so many other bills - such as my car, phone and apartment - which I will physically lose if I do not pay them. I want to pay these loans off, I just can not make the full payment at this point. I understand if {$150.00} only covers interest. 

Please assist in any way you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit report shows that I have a hard inquiry on my account. I have notified CapitalOne Bank which reported the incident as fraud. Also, the other day I contacted them again and my situation wasn't active anymore. I didn`t have my ss number linked to them anymore. So, I was wondering if I could get it removed, if possible, I've done my diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, The credit bureaus have been violating my rights by reporting erroneous negative accounts on my credit. I have been reading that the bureaus have to give me an update 30-45 days after receiving my letters in their offices, but this has not been fulfilled.
Product: Credit reporting or other personal consumer reports

As of XXXX XXXX XXXX continued to see on my credit report in collections XXXX XXXX XXXX and XXXX XXXX XXXX an account that doesnt belong to me.This is affecting my credit tremendously and i am demand these creditors be taken off of my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Continuant from my initial claim on XX/XX/2021 Equifax received my letter to delete these these fraudulent accounts immediately and block them as of XX/XX/2021 Equifax has not complied to my request and falsely verified these accounts without any physical proof. this is fraudulent and my second time writing them about this now i demand them to both block and delete these accounts immediately. Ive attached the affidavit of truth as well as the certified mail receipt with the evidence that they are indeed are doing fraud and do not have my consent to furnish anything on my consumer reports, no consent is identity theft
Product: Credit card

Capital One 's policy on cash advances is they charge interest from the moment the cash is dispersed. I am fine with that. But the website does not allow customers to pay off the cash advance for a few days. For example, I took a {$5000.00} cash advance on XXXX XXXX XXXX. When I tried to pay it off on XXXX  at XXXX, the website does not allow it, saying it hasn't posted to my account yet - even though it shows I owe the {$5000.00} plus a cash advance fee of {$150.00}. I am allowed to pay off the {$5100.00} on XXXX XXXX XXXX. But within a few days a finance charge of about {$20.00} shows up on my account and they won't refund it telling me interest starts as soon as you take out the cash. That seems unfair. I was prepared to pay off the cash advance the same day I borrowed it but Cap One does not allow it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The inaccurate Accounts Include : 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
Product: Debt collection

They are calling for someone I have never heard of and wo n't stop calling. 

They often disconnect the line after I answer the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and I was shocked to learn I have been a victim of identity theft I found several accounts on my credit report that were not opened by me. This has been hurting me since I'm trying to buy a home for my Family. Please remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is wrong information on my report :  XXXX   XXXX  > I have never paid late this account, insurance paid late   XXXX   XXXX    XXXX   XXXX  > I have never paid late this account, insurance paid late
Product: Debt collection

Americollect took {$850.00} account off my XXXX report after 1st complaint then today put it back on my report. If Americollect paid XXXX XXXX for the debt how can Americollect make me pay them. I never had a written contract with Americollect at all. That is false information.
Product: Mortgage

My mortgage company Valon, theres a discrepancy on my escrow. Spoke to the company many times they kept telling me they are working on the problem. The money in my escrow account should be like {$4500.00} now its showing {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts listed below 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. This ground for removal under : 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It XXXX Concern, This letter is a formal complaint that you are reporting inaccurate credit information. 

Account : XXXX XXXX XXXX Late Payment : XX/XX/2022 {$520.00} The account payments were deferred and no payments were due at the time. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 


Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Mortgage

For three years I have been submitting documents to the servicer of my loan XXXX XXXX XXXX which they consistently seem to lose documents until the application and my hard work at information gathering is no longer valid under modification programs. I have submitted four full packages to this company. They continually tell me that there is a representative assigned to my case and that person is never available. Further, the person who I do end up speaking to gives me information contrary to the last person I spoke to. In addition, as the company is working on a modification with me, they are having a third party contacting me and threatening me with a foreclosure sale date. ( DUAL TRACKING ). I have also sent two certified Qualified Information Request to determine the Forensics of my loan. XXXX responds with a letter stating I 'll receive the information and then I never do. Also, the Trustee simply sent me a notice of Default without ever mentioning exploring options to avoid foreclosure. In fact other than sending me 7 copies of the Default notice and possible sale date, Quality Loan Servicing has not sent me any correspondence despite the fact that XXXX is still working on a modification. Also, the " trustee '' has not demonstrated that it is the holder of the beneficial interest under the deed of trust, the original or substituted trustee, or the designated agent of the holder of the beneficial interest, as specified. The documents also fraudulently state that they to contacted me on XXXX/XXXX/2013 to meet requirements of California Civil Code XXXX XXXX THIS DID NOT HAPPEN and the fraudulent date was a year before I started working with XXXX on a modification. In addition, I believe that XXXX and Quality Loan Servicing are acting with purpose in this process in attempt to defraud the Federal Government.
Product: Student loan

On XX/XX/XXXX I called Navient the company that has been servicing my student loan to make my Final payment due after basically 20 years .My payment via Debit card was taken by the representative for the balance of {$96.00} I was told i would receive an email and was also given a confirmation # XXXX for my account # XXXX. This was my Final payment Due. I checked my bank account which verified that my payment was taken out. On XX/XX/XXXX approximately I received an email from Navient asking for me to contact them to correct my late payment due. I contacted their customer service ( XXXX ) XXXX XXXX I gave them my information in regards to my previous payment and was again asked to make another payment which I declined I asked for a direct supervisor capable of resolving this issue. I spoke to a woman named XXXX emplyee ID # XXXX who told me that the original employee who took my payment sent this payment to the wrong student loan via the Dept. of Education that I would have to wait 4-6 weeks for them to send me a reimbursement check which i would then have to forward to Navient to finalize the whole deal. I told the supervisor that I expected that there would be no issue with my credit which to this point after 20 years has never had a problem. Fast forward to multiple emails from Navient when my " payment ' is due with the same threats against my credit and offers to help resolve this issue .All to no avail I just received another prompt for help in resolving this from a XXXX dated XX/XX/XXXX No  reimbursement check has come .I guess my next recourse is Court as this has become ridiculous
Product: Credit card or prepaid card

I purchased an appliance from Best Buy on a 3 yr no interest contract agreement. Best Buy did not fulfill the contract because the appliance broke and they were unable to replace it in a reasonable amount of time. I went 6 months without being able to wash my clothes. Best Buy didnt accommodate me at all for the amount of funds spent to do laundry in those months. While I still had no appliance Best Buy added interest to my account and raised my monthly fee although I was still making on time payments. After they raised the fee they reported late payments to my credit file. I have never been late in three years on this account. My credit report took a hit.
Product: Checking or savings account

I'm trying to open a checking account with Sofi Bank. They declined my application stating my identification card was expired, but my Florida ID doesn't expire until XXXX of XXXX. They also stated I had a profile already set up dating from XXXX. I told them I need to update everything so I can go ahead and open the checking account and have them send me the debit card, that's when they said XXXX had a lock on the account and need to call XXXX to remove the lock. I called XXXX and they said all locks and freezes has been removed and I should be able to continue the process. Sofi maintains that my identification card is expired.
Product: Debt collection

XX/XX/2018 discovered an unknown collection acct on my credit from XXXX. Filed dispute. XX/XX/18 recieved collection notice from them in the amount of {$460.00} responded with notice on XX/XX/18 via fax. Further disputed alleged acct and requested specific records. 
XX/XX/18 XXXX responded with another letter they typed themselfs without supplying any proof from creditor. I have no contract, equipment nor do I owe any alleged amount as they claim. XXXX services will not speak to me. XX/XX/18 i sent XXXX another letter demanding removal of the inaccurate, unverifiable acct. Im incuring damages and drop in credit score. Please help me
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian regarding their refusal to remove fraudulent accounts from my credit report. 
Experian has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates the blocking of information resulting from identity theft.

According to Section 605B of the FCRA, a consumer reporting agency is required to block the reporting of information identified as resulting from identity theft within four business days after receiving : A copy of an identity theft report ; Identification of the fraudulent information by the consumer ; and A statement by the consumer that the information does not relate to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a Marcus by Goldman Sachs credit card. Marcus by Goldman Sachs sent wrong information to all three credit credit bureaus. They sent information to the credit bureau stating that the balance on the card was {$1400.00} and this is false. The statement closing balance on XX/XX/2022 was XXXX dollars and that is what should have been reported to the credit bureaus. The account currently has a XXXX dollar balance but on my credit report it is still showing that I have a balance of {$1400.00} owed on the credit card and this is false. I called Marcus by Goldman Sachs and complained about this issue and was told that it would take 30 days to fix the matter and this is unacceptable. My credit score dropped by XXXX points due to this error and has prevented me from getting a mortgage that I had applied for. 
I called the credit card company and spoke with an agent who realized the error that I was referring to. Marcus is reporting incorrect account balance on my account and they need to fix this immediately.