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

I applied for a PNC checking account on the date of XX/XX/XXXX, but never received the {$300.00} bonus as advertised. 

I tried to contact PNC a couple of times and the specialist, on XX/XX/XXXX, told me that I am not qualified because the application was approved ( early XXXX  ) after the promotion period ( The offer is good through XX/XX/XXXX ), although the application was submitted within the promotion period. 

However, the PNC customer service person, on XX/XX/XXXX, provided totally different information. She indicated the promotion period is based on the application date, and I should not have any problems, even if the approval is not immediate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstly do not add a fraud alert on any of my reports! i am in the process of closing on a house and I saw these unknown loans, I have never seen these accounts. I have informed all bureaus of the violation of listing false accounts and they have not removed them. I asked for proof and nothing has been done. As a consumer I have no obligation to pay back this alleged debt and I want these account removed. The late payments are very damning and I am exhausted with this situation. on all three reports the information is reporting different dates, i asked the company for proof and nothing. when i call the bureaus they say the company says its accurate but the company can't provide me proof so what pro does the bureaus have to back up that the information is correct? this has harmed me and i am loosing sleep I have even had to see a doctor. when I called the CFPB they said all the bureaus has blocked my complaints. I have sent my passport a bill my social card and my license what more do they want a blood sample to prove it is me submitting for the removal? I will sue if they choose to ignore me XXXX more time! this is outrageous and i am sick and tried.
Product: Debt collection

it was XXXX i went to sears . cashier told me it was big discount when i opened sears account. she told me a lot of things. and i open sears account. make short story i did not get discount. i used sears account and paid on time. one day i got mail. it showed me {$340.00}. i called sears. i talked to someone. she told me they gon na send me another bill. i never get bill until XXXX. i got bill from XXXX  XXXX. it showed me {$880.00}. i called them they did not treat me well. the guy told me i have to pay. other wise we will send to credit agency. i was scare about it. i told him i do not want to messed up my credit. i started {$50.00} a monthly pay. but he send to credit agency.
Product: Debt collection

I was sued for medical debt last year, I didnt know I had a court date. My wages were garnished. After that I was able to contact them and set up a payment plan and canceled the garnishment. I paid off that whole amount. However I have paid well over the amount they were granted. After this case was closed they came back to tell me I owe another {$2500.00} and a lot of this is interest and daily interest is charged. I then again set up another payment plan and paid a bunch of money. Apparently I still owe another {$2500.00} and Im not sure how it never goes down. I have emailed and called many times to have my open debt and all payments sent over to me to verify because I am positive I have been paying them free money. They agreed on the phone two weeks ago but have never sent me anything and stopped responding on email. I asked for a payoff amount and to verify my debt. Yet I get nothing. I have been trying to close this account for over a year but they keep making it impossible. Id like help because Im not sure what to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
The Following Account has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX - XXXX I have also issued a Validation of a Debt Request Pursuant to 15 USC 1692g They have refused and not complied accorfing to the declaration within the Debt Validation Request.

15 USC 1681 Section 602A. States I have the right to privacy.

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

I DID NOT GIVE CONSENT. THIS ACCOUNT IS UNAUTHORIZED
Product: Debt collection

Today, XX/XX/year>, I have received multiple calls from tricolor auto regarding my account. The first call I answered and spoke with someone. I verified my information that the agent asked for and proceeded to discuss the account and why they were calling. I explained my situation and disconnected the call shortly after. XXXX minutes after another agent called me regarding the same thing. I told him I just spoke with someone and there is no need to call again. Later in the day around XXXX XXXX XXXX I received another call from another agent regarding the same thing. I explained again that I spoke to someone this morning so they should not be calling me again in the same day. I feel like at this point it is harassment when they should only be allowed to make XXXX call per day when they spoke to the right party on the account. There should not be another attempt until the next day. When asking to speak to a supervisor I am told there are no supervisors available and they will place a callback request. I have done it before and never get a call back. I asked for a direct supervisor and I am told there are no direct supervisors on the floor. Agents want to argue most of the time instead trying to find a direct supervisor or try to listen to to fix the problem.
Product: Credit reporting or other personal consumer reports

I had higher Lexington law firm to fix my credit and I was paying them and they didnt do anything to repair my credit.
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments 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 an 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 any purpose.
Product: Credit reporting or other personal consumer reports

Upon reviewing my TransUnion, XXXX and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items within the next 5 business days.
Product: Credit reporting or other personal consumer reports

I am a natural person, Im a living human being, I have rights under 15 USC 1681.

Equifax is given by 15 USC 1681. And they violated my rights numerous of times. I demand the account listen below be removed because According to 15 USC 1681 ; I have the right to privacy and I did not give equifax written permission to furnish these accounts.

Account : XXXX
Product: Credit reporting

These XXXX accounts have been reinserted and was not verified nor validated. I requested method of verification from the credit reporting agency and I requested the collection agencies validate the account sending me proof of whom the agency talked too and a original document with my signature. These accounts was removed and now they are reinserted without verification or validation. The XXXX accounts are : XXXX XXXX and Public record XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1100.00}, and XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a 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 the blocking of the erroneous information which is being posted to my report XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$220.00} XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, we are required to remove any erroneous accounts from my credit report. Can you please review the documents? Some of the listed accounts have inaccurate reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

XXXX I am writing to dispute unauthorized credit reporting that has appeared on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX Pl, XXXX XXXX, Texas XXXX. 

Under 15 U.S. Code 1681b ( 2 ), consumer reporting agencies are required to obtain the consumer 's written consent before including certain information in their credit report. I have never provided such consent for the information that is currently being reported by your agency. 
**Details of Disputed Entries : ** - Creditor Name : XXXX XXXX XXXX Account Numbers : XXXX - Dates of Unauthorized Reporting : XXXX XXXX XXXX Additionally, according to consumer protection laws, a consumer credit card agreement and disclosure, also known as a cardholder agreement, is a legal document that outlines the terms and conditions of a credit card account. It includes information such as the annual percentage rate ( APR ), interest rates, fees, costs, and minimum payment calculations. Credit card institutions are required by law to disclose this information. 

Since I never gave consent for this information to be reported, I am requesting that these entries be removed from my credit report immediately. Please take the necessary actions to investigate this matter and correct my credit report accordingly.

Pursuant to 15 U.S. Code 1681n, civil liability for willful noncompliance, any consumer reporting agency or furnisher of information that fails to comply with the requirements imposed under this section may be liable for actual damages, punitive damages, and attorney fees. I urge you to take this request seriously and ensure that my rights as a consumer are protected. 

I also request written confirmation that these entries have been removed from my credit report and that you have informed the creditors involved about the removal due to lack of consent. 
Thank you for your prompt attention to this serious matter. Should you need any further information or documentation, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

on X/X/17 Equifax announced their information was breached through a Cybersecurity Incident, I am on the list of potentially impacted consumers
Product: Payday loan, title loan, personal loan, or advance loan

My husband and I needed to purchase new windows for our home, which is a large expenditure that we needed to finance. The vendor urged us to go through Foundation Finance to cover the cost, which was {$25000.00}. We moved forward with the windows and the financing, creating the account with XXXX on XX/XX/XXXX. We were told we had a grace period on interest ( of an indeterminate period ) ; the interest was charged on the first payment, which was due XX/XX/XXXX. 

Fast forward to XX/XX/XXXX... I have made payments of {$300.00} each month on time since XX/XX/XXXX. The monthly statement from XXXX ( most recent one attached ) does not provide an interest rate, but estimates a very low payment of {$12.00}. The current balance indicated that just {$91.00} of my last {$300.00} payment went to the principal of the loan balance. When I reviewed older statements, it was the same story : a very low interest payment but little progress on paying off the balance. It was clear to me that we were paying an extremely high interest rate with little hope of actually paying down the balance in my lifetime. 

I called XXXX and was told my interest rate is 9.9 %. The explanation from the customer service representative was unclear and we believe this is a daily, compounded rate. The representative offered to send me a statement of account over the life of the loan, which I have attached here. It's clear that we are paying about 67 % interest. 

We have arranged alternate financing with a fixed 0 % interest rate elsewhere. That said, this company 's practices are extremely unethical and something should be done to change this. Perhaps finance companies are not required to make the same disclosures as credit card companies.
Product: Credit card

On XX/XX/2024 CitiBank closed both of my credit card accounts. One account had been open for over 10 years and the other 4 years. I had never missed a payment in that time span and never exceeded my credit limit. I carried a balance on only one of those cards while the other was paid off every month.

CitiBank provided no warning or notice prior to this taking place. Their customer service representatives both on the phone and in the branch could not provide me with any details as to why my account was closed. I was given an address and told to write a letter.
Product: Credit reporting or other personal consumer reports

I was stunned to discover incorrect accounts appearing on my credit report tonight, and I have no idea why they're there. I routinely check my credit report, but this time, unexpected errors were suddenly there. I even refreshed my browser, hoping it was just a glitch, but the incorrect accounts remained. Given this issue, I am asking for a thorough review of the documents I provided to prevent this from ever happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies are reporting inaccurate information on my credit profile,
Product: Mortgage

We fell behind, due to some costly issues with the house, cars, family expenses! We tried to modify but the company wanted a good faith payment of XXXX. We didnt have it. So a representative suggested I file bankruptcy. The mortgage company had been sold 4 times, each time I proved I was keeping up on the insurance, but they keep adding XXXX on top of all the missed payments. I have home owners Insurance that has never lapsed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit reporting agencies to verify my information, and they sent me letters saying they did. However, I have double-checked and there are many errors and inaccurate dates and other information. Here are the details : In accordance with the fair credit reporting act XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX DEPTEDXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I gave the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

has violated my rights.

15 U.S.C 1681 section 602 A. States I gave the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

The issue arises as I was believed to have XXXX in XXXX, XXXX and XXXX. 
Symptoms were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
The XXXX I live in has Declarations for covenants and Restrictions. The HOA is responcible for exterior maintenance and Roof. In XXXX they would escalate the HOA Dues nearly double from the say I moved in.6 Upon examination The HOA concealed a Capitalization Fee Average of {$1500.00}, on all transfers charged to the Buyer, they did not report the additional revenue s deposited into the HOA Account and admitted the funds were drafted to the Developer, XXXX XXXX XXXX without any documentation or disclosure to members. I would bring this to light and also state that HOA Fees collected at closing were unlawful under TN XXXX Annotated XXXX thru XXXX " TENNESSEE XXXX TRANSFER FEE BAN '', and I also reported that reserves were short in the carryover sums from year to year with erroneous entries amounts beginning in XXXX. 
XXXX while manging rentals in XXXX the roofs were often leaking. Met the roofer and he stated in a recorded transcript the HOA was given an estimate as the roof was 5 years beyond recommended replacement, All said The HOA would not repair the mastr suite from rain damage in XXXX in my home, I repaired and billed the HOA and ended up in XXXX XXXX XXXX unit from XX/XX/XXXX to XX/XX/XXXX, I learned Mold Toxins were the cause not covid and proceed to bring personal injury suit against ther HOA, Then I recieve a demand Letter from an attorney in XXXX calling my XXXX that was currently ammennded and modified not due for payments until XX/XX/XXXX. The attorney for XXXX Bank, the merging Bank with Suntrust, would provide me an opprtunity to sell on the open market after I explained I had an amended agreement and that if I sell below market I will sue for damages. I learned Friday, that the Attorney represeting the XXXX, would take my social security number from the General Sessions Judgement run my credit and see that the XXXX is in default, XXXX interefering with my first which was in final documnetation for approval when these Foreclosures began to occur. The Law fim Acting as Substitute Trustee XXXX, Sellers, XXXX, & XXXX XXXX, main office is in XXXX TN ( XXXX ) but the Attorney acting as Substittute Trustee.is out of XXXX. The Attorney for the HOA XXXX XXXX, XXXX XXXX is based in XXXX, and having suppeona my finances would know my limited resourse to fight in civil. My XXXX XXXX Persoanl injury AND PROPERTY SUIT WOULD FOLD AS THEY i CONTACTED XXXX WHOLE SALE BUYERS AND THE DEVELOPER WOULD DENY THE PRESENSE OF MOLD.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX All have 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
Product: Debt collection

I MADE AN UNINFORMED DECISION ON XX/XX/XXXX AND XX/XX/XXXX WHEN I ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH CAPITAL ONE WHERE I EXTENDED CREDIT TO CAPITAL ONE FOR THE FOLLOWING ACCOUNT # XXXX AND ACCOUNT # XXXX. 

THERE WAS NO EVIDENCE OF INDEBTEDNESS. THE ONLY EVIDENCE OF INDEBTEDNESS WAS THE AGREEMENT. BUT BECAUSE OF THE UNINFORMED DECISION THAT AGREEMENT IS NULL AND VOID BECAUSE I DID NOT UNDERSTAND AND KNOW WHAT WAS IN THE AGREEMENT. THE AGREEMENT WAS NOT CLEAR AND CONSPICUOUS AND I WAS UNAWARE OF WHAT I WAS AGREEING TO. 

VIOLATION OF THE FOLLOWING LAWS : 15 USC 1602 ( p ) 15 USC 1602 ( k ) 15 USC 1601 ( a )
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX  Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX  Account numberXXXX  Account name : XXXX Account number : XXXX Account name XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account numberXXXXXXXX has violated my rights. Or list of inquiries 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card through XXXX XXXX. I was told my membership fee to XXXX XXXX would be reduced from {$50.00} to {$20.00} for the year. I never was approved for the card. And Transunion dropped my credit score 44 points. This seems ridiculous that they could get away with this! Your own company reported not long ago that credit bureaus like Transunion are scamming people.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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
Product: Mortgage

We were charged for a XXXX XXXX policy for {$91.00} to cover XX/XX/year> to XX/XX/year>. We requested a copy of the policy and declaration page because we believe they are charging us for it and created an escrow account but never actually purchased any XXXX XXXX for us in Florida. This is why we want a copy of these XXXX XXXX documents they purchased and charging us for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, is providing incorrect information from collections company XXXX XXXX XXXX in which is reporting negative information of a debt, does NOT belongs to me.