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

On XX/XX/year> I had a check that was " white-washed '' out of a USPS postal service drop box. The check was made payable to XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1600.00}. The check was altered, poorly, replacing the payee to XXXX XXXX XXXX and adding a " XXXX '' to increase the amount to {$11000.00}. The check was visibly altered and PNC failed to have the internal controls in place to decline the check ( nor did they contact me ). Once we were aware of the fraud, we contacted PNC who said they were mailing paperwork that we would need to complete to have the funds returned. Due to the amount, I asked if we could expedite and they instructed me to complete the paperwork at a branch. I personally went to the branch the " same day ''. I was told the return of funds could take up to 120 days. After receiving no update, I contacted PNC on or about XX/XX/year> - per XXXX, I don't see any updates and will escalate. On XX/XX/year> I was contacted by XXXX from Executive Client Relations. I was told that they would need five days to receive an update from her " service partners '' ( i.e. colleagues ). I asked that they place a phone call to the appropriate individual or department to request an update- this request was declined. I received a follow-up call on XX/XX/year> from the Executive Client Relations team because they didn't see the signed Affidavit ( which was completed at the branch ), asked if I had a copy, and also informed me that I may need to re-complete. From what I gather, the paperwork was not properly processed by PNC despite multiple phone calls at the outset and personally showing-up in person to expedite the return of funds. On XX/XX/year> I received an email stating " There is no update at this time as we are still waiting to hear back from XXXX. '' PNC, a federally insured and regulated bank, who lacked controls to reject a visibly altered check has shifted the blame to XXXX and it is out of there control. 

PNC stated to me on the phone " we do not have a process in place and are working with our regulators ''.
Product: Money transfer, virtual currency, or money service

Money was taken from me and I called to confirm that money was stolen from my cash app and asked to refund all the money that was taken cash denied the complaint and I appealed the situation more than once and was still denied
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe was reported in error. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt collector sold this debt, to access financial. Therefore committing fraud by investigating and claiming the debt re-aging this debt and harassing me.
Product: Debt collection

I was involved in an accident at the XXXX XXXX XXXX 2016. The other driver was found to be at fault. The driver was in a work truck pulling a trailer and rear ended me going around 40-45 mph. I was seen at a local ER within the next 2 weeks and then was seen by XXXX  and now an XXXX XXXX. The bills I received originally I sent to my insurance agency to pay, and I was under the impression that these were covered completely. They were not, however, two in  particular were applied towards my deductible and an outstanding balance remained. I moved addresses from XXXX area to XXXX area and had my mail forwarded to the new address but did not receive any further contact stating that any balances remained. I did not receive mail, phone calls, or emails despite my phone number and emailing being up to date and current with both agencies. I did not know about the balances until I received bills from collections agencies. XXXX XXXX XXXX and Gulf Coast collection bureau. I have attached those bills. I also had a credit report done and these collections have made my credit score drop over XXXX points. If I were to have been contacted by the original billing agencies properly I would have gladly paid the bills to avoid collections and just received the settlement from the insurance at a later date. The debt collectors ASSURED me that if I pay it will immediately come off my credit, but I am concerned that it will only show as paid debt and still be on my credit bringing it down for 7 years. The original billers were XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I contacted both of these companies and they stated that they mailed me bills, however I did not receive them and they did not make any attempt to call me or email me or I would have gladly paid the bills. Instead, this is now effecting my previously PERFECT credit and literally destroying my finances and making it difficult to get a home loan.
Product: Vehicle loan or lease

I had an auto loan with XXXX XXXX. The loan was PAID IN FULL on XX/XX/2018 as per their own records, can verify with online account login and listed payment history. It is now XX/XX/2018 and Ally is not reporting the loan paid to major credit bureaus. This is causing detriment to my credit report as it is showing excess debt that I do not actually have. Ally reports at the end of the month, and on XX/XX/XXXX they chose not to report the loan as PAID.
Product: Mortgage

Called New Rez on XX/XX/2021 because we are now trying to refinance with another lender because they have drug out this process with them for over a year. I called them because XXXX Bank escrow loan officer said our property taxes have not been paid ( last two installments ), and we needed to find out why. New Rez said they had put a freeze on those monies because we in refinance with them??? I told XXXX XXXX we don't want to refinance with you and have told you so in emails and voicemails, because I can never talk to a live person!!! And that they needed to release those funds and they were responsible for any and all late fees because that is included in our monthly payments to them. I called them back after checking with XXXX XXXX on XX/XX/2021, and property taxes are still not paid. XXXX XXXX from New Rez said they will be paid by XX/XX/2021. I just checked our online statement and they are not paid. The county said if not paid by XX/XX/2021 our home will go into forebearance???? This is New Rez 's legal obligation to pay our property taxes on time, as we pay them in Good Faith to entrust them to pay our property taxes on time!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX XXXX XXXX Account # XXXX, {$53000.00} ( Sold by the Original Lender XXXX XXXX XXXX XXXX to this Debt Collector ) Dear Sir or Madam : I am a federal victim of heavy fraud and identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I should be responsible of at all. It is the result of both heavy fraud and identity theft due to fraud. 
XXXX XXXX XXXX Account # XXXX, {$53000.00} ( Sold by the Original Lender XXXX XXXX XXXXXXXX XXXX to this Debt Collector ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report ( FTC, Local Police Report, FBI Official Victim Letter ) Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting or other personal consumer reports

Per XXXX letter received XX/XX/2023 all student loans were forgiven per Biden. All my loans were and are at a {$0.00} balance. They should NOT be reporting any negative balances or pass due still or since that date. But are. Please update. This is a federal government statement
Product: Checking or savings account

one person was working at the office like office manager, who was uncharged to make weekly checks to pay employees.

she was making fraud checks under our employee names, but cashing by herself to take the money.

it is that she realized one check under " A '' name, and 1 or 2 more under " A '' name, to herself.

she went near the office weekly to cash those, but that place never ask for id to cash it.

the bank changed the checks to the owner of cash checks store, without check id or name on the sign check line neither. 

it was since XX/XX/XXXX to XX/XX/XXXX with a total amount of {$400000.00} and XXXX checks. 

in the file attached, only was updated o part of all the copy checks cashed from our company bank account since XX/XX/XXXX, provided for the Bank. the complete report of the files, are available in case all of them were needed.
Product: Debt collection

I'm not liable for this debt with XXXX, I do not have a contract with Credit Collection Services, they did not provide me with the original contract as I requested. I have disputed this item numerous amounts of times, and this company continues to violate my protected rights under the FCRA.
Product: Mortgage

This complaint refers to a prior submission XXXX regarding the improper actions taken by Signature Bank in reference to two loans that we have with the bank secured by two cooperative apartments at XXXX XXXX  and XXXX at XXXX XXXX XXXX, XXXX XXXX, NY. I have submitted feedback on this complaint however I am not able to provide attachments on the feedback submission so I have formed this complaint to provide the attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do.

I wrote to them on the following dates : XXXX XXXX XXXX XXXX
Product: Debt collection

I received debt collection letters from TRS recovery services on behalf of the XXXX XXXX credit card company for a credit csrd debt that is not mine. What actually happened was that I paid the owner of a painting company with a personal check and he used the check account number and routing number info to steal more than {$7000.00} from my checking account to pay for some of his credit card debt including debt to XXXXXXXX XXXX card.I reported the fraud to my. bank XXXX and the matter was resolved with the XXXX XXXX XXXX XXXX ( I have a letter from my bank stating as so ). Now it seems thaht XXXXXXXX XXXXXXXX XXXX XXXX, decided t go after me for a debt that is not under my name, I want this to be kept out my credit score report
Product: Debt collection

Remove the fraudulent XXXX XXXX account with account XXXX XXXXXXXX immediately, acknowledged as identity theft by the company. Failure to act promptly violates federal laws, impacting my well-being, and I demand immediate compliance for an accurate credit report.
Product: Vehicle loan or lease

i was never given a copy of my contract, there is only XXXX party with a wet ink signature, they initially had the wrong name of XXXX XXXX and not me XXXX XXXX, they have my mom on the account as the owner of the loan and they have me listed as an employee of their company. they also told me a down payment was necessary for me to drive the car off the lot when i know for a fact that it was a consumer credit transaction that included a finance charge which means no cash is required because cash and credit do not mix. they never informed me of the right to rescind my contract and i was never given the full disclosure so i entered into this contract unknowingly which is illegal.
Product: Credit card

In XXXX I applied for the XXXX XXXX Premier Rewards Visa Signature Card and was approved for the lesser card ( XXXX XXXX Rewards Visa Platinum Card ). Most of the benefits were the same for both cards including the " Bonus Night Award Benefit '' which entitled you to the last night free on any award stay. Below all the benefits on the application page for the Platinum card it stated " Enjoy all of these benefits for {$50.00} Annual Fee ''. 

Less than XXXX weeks after being approved for the card, I received an email saying effective XXXX XXXX the " Bonus Night Award Benefit '' was going away permanently. I feel like this was a bait and switch scenario. They also did not change the language on the application page for at least a week after announcing this benefit loss. I signed up for the cards under certain terms and now they are changing. I would not have taken the inquiry hit had I known this benefit was going to be taken away. 

To make matters worse, I just read effective XXXX XXXX, there will be XXXX hotels changing award categories, with XXXX hotels moving up and only XXXX moving down. There are XXXX hotels going from either a category XXXX or XXXX to the top category XXXX requiring at least XXXX additional points for an award stay. 

I was not happy about these changes so I contacted U.S. Bank about having my annual fee refunded. They declined the refund and gave me XXXX points for my trouble. I do not feel this is sufficient for such a major benefit loss to their program. This credit card is significantly weaker than it was just 5 weeks ago and I absolutely would not have applied under these new terms.
Product: Credit card

XX/XX/ I went to purchase an airline ticket online with XXXX XXXX. There was a promotional offer to open a Citibank XXXX XXXX credit card and receive a {$400.00} statement credit off of this purchase and the option to earn XXXX XXXX miles with additional requirements. I was approved within minutes and was emailed approval. However, there is no way to use this credit card as advertised for the current purchase. The promotional offer is misleading. 

Both Citibank and XXXX XXXX should be held accountable and investigated for this deceitful and misleading promotional offering.
Product: Credit reporting or other personal consumer reports

THERE IS A FRUAD ACCOUNT ON MY CREDIT REPAIR I NEED TO GET OFF MY CREDIT. I HAVE SEND PROOF OF EVERYTHING TO CREDIT AGENCY.

IS A VIOLATION UNDER THE FCRA SECTION 1681I AND SECTION 609.

JUST NEED FRUAD ACCOUNT DELETED.

NOTHING MORE.
Product: Credit reporting or other personal consumer reports

I'm writing to notify you that I have recently been a victim of identity theft, leading to multiple fraudulent entries on my credit report. These 4 accounts and 25 inquiries were added without my knowledge or authorization. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have already reported this matter to the Federal Trade Commission ( FTC ) and now urgently request the immediate removal of these fraudulent items from my credit report.
Product: Debt collection

I received a call from National Recovery multiple times. I spoke with them. They stated that I owed this dept and how would I like to pay for it. I responded by saying what debt are you talking about? I'm not familiar with this. A rep from National Recovery said that their customer came to them in hopes of them recovering this debt from me. I said I didn't have a problem paying for it if it's me that actually owes it to them. I then said provide me the original documentation with my signature. The rep said if I send you the documentation showing I owed this debt will I pay for it? I said sure. The documentation they sent me did not prove I owed this debt. I have enclosed a copy of the documents sent to me. They have failed to provide the proper documentation. I would like to have this removed from my credit report due to failing to provide proper signed and date of documentation proving this debt is mine according to the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried getting my credit score with transunion and they informed me that I will be charged a fee for that information. Completely unethical in my view. And I inturn can not access my transunion file.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security XXXX, Consumer Date of XXXXXXXX  This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agencXXXX XXXX credit reporting agency XXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX with a balance of {$0.00} Discover credit card With a balance of {$960.00} XXXX XXXX XXXX  with a balance of {$0.00} in a XXXX bill from XXXX XXXX XXXX XXXX with a balance of {$1000.00} that appears related to the aforementioned .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : UNKNOWN Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

T

hese accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance
with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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. 
XXXX # 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 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.