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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Checking or savings account

I recently opened a checking account with Ally and transferred funds from one of my accounts into it. After moving some of these funds to other accounts, Ally restricted my access for an unspecified investigation. Despite giving them a call and providing all requested information, they have informed me that they need additional time to complete their review. The call lasted only 10 minutes but the wait was about 40 mins. This means Im left in limbo, unable to access my money for an unknown period.
Product: Credit reporting or other personal consumer reports

An According with the Fair Credit Reporting Act Convergent XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXX Date opened XX/XX/XXXX, XXXX XXXX account # XXXX date opened XX/XX/XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the Rights 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: Checking or savings account

I feel that this company is predatory. 36 for overdraft fees. They cover something thats over 7 dollars thats cleared and Im charged 36 but my rent gets returned. They dont care about middle class people the corporate teams are dismissive, rude. I feel that these banks need to be gone. Something predatory about a supposed company that gouges its middle class with no soul and they dont even have a real dept that controls the overdrafts. Its automated every time I tried to talk to someone I get blown off or told we dont know how it works. Really??
Product: Credit card or prepaid card

PNC Bank charged extra interest ( {$1.00} ) for multiple months ( XX/XX/2019, XX/XX/2019, and XX/XX/2019 ) after I paid off a cash advance balance ( from XX/XX/2019 ). This issue was not resolved until I called the company after three additional interest charges were collected on a XXXX balance due to minimum interest charges. While the company ultimately refunded two of the months this issue would have continued due to PNC 's lack of a controls and monitoring over recurring " minimum '' charges. I only caught the charges since they were incurred on the last day of the month, but if they had been mixed in with lower charges during the period I may not have noticed and this would have resulted in additional charges. The company did not offer compensation or a sufficient explanation why the charges were not stopped at the time the balance was paid and I am concerned that PNC Bank does not have proper monitoring to catch issues like this going forward.
Product: Credit card or prepaid card

so I have the quest united card. They have cutoff time on the XXXX of XXXX XXXX est apparently I have made my payments literally all within 8 to min after and it is still the XXXX here in Utah. the company hold my payment and posts it on the XXXX and keeps making my payment late and charging a late fee. If you can to my last maybe like 5 to 6 of them all of them are maybe 7 to to min after on there side posts like XXXX to XXXX. This is ridiculous and I dont agree with these late fees at al and the again this last one they are dining for which they refuse too remove apparently posted at XXXX which is still XXXX Utah time so it is still the XXXX this cut off is ridiculous and you should be to still pay on the same day up to eastern time your own time this cut off is unfair and I dont feel this late is warranted at all all these payment going to even the last year half have all been on the XXXX but considered on the XXXX because of there systems not being able to post a payment on the same day and I am still making them on the same day I talked to 2 managers and none of them would help me get my last XXXX back I really feel they are being unfair with this and I want my last XXXX fee back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times over the past five months to get a copy of my credit report from Transunion using their websites. Also, I have tried numerous times to submit disputes using their websites. Regardless of the web browser, when I go to submit a request for a credit report or to submit a dispute, the website will advance you to the next page but the next page doesn't provide any way to continue the request for the credit report or submitting the dispute. Furthermore, when I called them to request a copy of my credit report, the representative informed me that I had to mail in the request for my credit report. Also, I was informed that I had to mail in the payoff letter on one of my accounts in order to submit a credit dispute. In today 's electronic age, consumer 's should be able to take care of both of these items online. XXXX and XXXX offer credit reports and disputes online along with the ability to upload documents. Why doesn't Transunion offer these services online??? It seems to me that Transunion is forcing consumers to take outdated and arduous steps to see their credit reports and/or to submit disputes in hopes that they become discouraged and abandon the requests thus saving Transunion money and time by not having or meet the needs of the consumers.
Product: Credit card

This account was opened fraudulently. I was XXXX when this was opened Ive advised the company and sent disputed them them and the credit bureaus with not response and no change in reporting
Product: Credit card

I recieved a charge on my card which went unnoticed for {$3000.00} in XX/XX/2022 from an a service based business ( Fraudulent Attorney ). I did not recieve any service from this fraudulent business which is advertising as attorney services. I contacted Capital One Credit Card Services once my accountant brought this fraudlent charge to my attention and Capital One issue a temporary credit. 
Capital One sent me a letter within a month and indicated that they had issued me the credit and I was not liable for the fraudulent charges as it was deemed as fraud and unauthorized. Thereafter without contacting me with further information, they reversed the charges and charged me back the {$3000.00} without appropriate details and when I call they simply advise that the time frame passed for them even though they had originally agreed that the charges were frauduent and it was determined that there was {$0.00} liability to me and they had confirmed this all in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my credit report with Equifax. checking my credit profile ive noticed a lot of invalid data that is hindering my file. please update all information listed.
Product: Credit card

I'm disputing the current late payment ( s ) which ae being reported to my credit report. The following information is inaccurate. Under 12 CFR 1026.13 ( a ) ( 7 ) I informed the creditor in writing that I had moved at least 20 days before the end of my billing cycle.

The creditor failed to provide me with any statements for more than 90 days. I had to contacted them numerous times requesting new statements but was informed there was a glitch in their system. They said they'd fix the issue but my credit is still being impacted. Creditor failed to comply with a requirement under this subchapter of the law 1026.13 ( a ) ( 7 ), have been damaged and/or they are liable to me under 15 USC 1640 . 

CAPITAL ONE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Debt collection

I do not recognize the charge being claimed against me. Additionally, I always pay for my consultations and charges immediately at the time of service. I kindly request that you provide detailed documentation supporting the charge in question.
Product: Debt collection

An account by the name of Ability Recovery Service opened on XX/XX/2018 was on my credit report in the amount of {$990.00}. This debt has been has been sold I do not owe this agency. I would like this account removed from my credit report indefinitely.
Product: Mortgage

I began the modification process with Seterus in XXXX 2015. I received paperwork in XXXX 2015 stating I could begin the trial payment process in XXXX 2015. I made the first and second payments over the phone XXXX XXXX and XXXX XXXX. When I tried to make the final trial payment in XXXX, a Seterus representative advised me that I had not paid the correct amount in XXXX, that I needed to pay more in XXXX to make up for the lower payment and I would also have to stay in the trial period one more month. I explained that I paid the same amount in XXXX and XXXX, she said no it was incorrect. I was out of town, working, so I paid it. I called in XXXX to, again, make the final payment and the representative told me my modification had been cancelled, I asked why, he checked the notes, said it was because I had made inconsistent payments, because of the XXXX payment. I explained what happened, he checked the notes, said the previous representative was incorrect, he corrected it and gave me credit for the overrage, said he would send my information to the modification department and the would send my modification pacakage. I received a modification pacakage on XXXX/XXXX/15, the principle payment amount was shown as {$900.00}, escrow amount was shown as {$380.00}. I called Seterus with questions about my package, and deferral of my principle amount, and requested to talk to the person handling my modification. I was told that I had to send my request to them in writing, so I faxed a request to them on XXXX. I received another modification package dated XXXX/XXXX/15 ( please see attached copies XXXX on XXXX/XXXX/15, that states my principal payment is {$910.00} plus the added escrow amount of {$420.00}, for a total of {$1300.00}. Which is higher than the original mortgage payment that I had before I asked for the modification. If I could not pay the original, I wo n't be able to pay this.
Product: Mortgage

I need help trying to save my Home I been working on this since XX/XX/XXXX with the Lender and they still have not helped me. When I started this with them they told me not to make house payments till they got it worked we keep sending stuff back and forth they told me I don't understand what they are asking for so in XX/XX/XXXX I ask my friend to talk to them there still not helping and now put a sale date on my home XX/XX/XXXX We need and want to keep are home we been here 13 years paying for it We have a XXXX XXXX child that needs to stay in school here and the house is set up for him to live and get around my other son got a job this year to help pay the bills the state give us money for my XXXX  child and I am now working for time. We can pay for are home Please I beg of you help us save are family home .... 
XXXX Bless
Product: Debt collection

I had a load approved by XXXX for my studies. I do not know the reason why they did not use that credit in my favor and on the contrary I have to make this payment during these months. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I did not have access to my phone and I did not receive any notification, my XXXX were supposed to already be covered by XXXX XXXX XXXX XXXX XXXX and no one advised me or explained the process also and why did I not take those classes why did I XXXX XXXX XXXX XXXX XXXX XXXX in XXXX why I couldn't XXXX XXXX
Product: Debt collection

This has been happening since last year and the calls were not as frequent last year as they have been at the beginning of this year. They 've been calling my phone hounding me everyday about a medical hospital bill that I owe and no matter how much I tell them to stop calling and I will pay on it when I have the money, they still keep calling. Sometimes more than once in a run of a day. It 's persistent and annoying. It 's gone beyond the point of phone harassment because I tell them to stop and they still keep doing it. I just paid them XXXX XXXX dollars on this medical bill they keep talking about and normally when you make a payment, the calls slow down, even if it 's just XXXX payment. But no. I make XXXX payment, they 're still calling my phone bothering me to make another payment when I already told them that I DO NOT HAVE THE MONEY. I do n't get paid much at my job and I said I 'll do what I could after my bills are paid. My more important bills are a XXXX of a lot more important than XXXX hospital bill. I 'm not about to go homeless just so they can stop calling me. I want them to stop. I made a payment online that was on the paper bill I received and they said they got it. If they got it, they need to stop calling me. Or I 'll have them sued for phone harassment. I understand they 're bill collectors and all but I 'm not made of money. If I do n't have it, then I do n't have it and I 'm not going to make promises on days saying I 'll pay it then because I know I wo n't be able to if something comes up. They want their money and they will get it but I do n't need them harassing my phone. So long as they got XXXX payment they should be happy and not annoying as XXXX. I want something to be done about this and if nothing is, I 'll just have the XXXX phone turned off and any new phone number I get, they will not be getting. I do n't need the sound of constant ringing in my ear from people who just want money. I do have a life and other things take top priority of it. It will get paid when I have the money. Simple as that.
Product: Vehicle loan or lease

I keep paying on my loan and the amount keep going up. My principal when I bought the car was XXXX and thats the same amount still due. I paid almost 8,000 dollars to them so far and my principal never went down. They wrongfully repossessed my car once XXXX XXXX XXXX and that is a wrongful act of the fair debt collection act by Santander.
Product: Money transfer, virtual currency, or money service

My venmo account was frozen on XXXX I've had an account with them for 8+ years. I immediately responded with a photo of my ID as asked. I've contacted them twice now being told the issue has been escalated but nothing more. I have {$950.00} in cash on it and currently a little over XXXX in crypto. Most of that crypto was recently transferred to me via XXXXXXXX  after a very long wait due to them going bankrupt and finally returning my funds to me giving me the option to receive them in venmo or PayPal. Not sure if that's what got me flagged as that was received XX/XX/XXXX but needless to say after waiting we'll over a year of that crypto being in limbo and finally receiving it the last thing I expected was for it to be now unavailable again. I read online there may be recourse with this agency to remedy the situation somehow.
Product: Debt or credit management

The complaint in question is against Midland Credit Management, a third-party debt collector ( hereinafter referred to as MCM ). 
MCM purchased a debt from XXXX XXXX which they are attempting to collect ( {$1300.00} ). MCM has violated several FDCPA rules. 
The rules violated are as follows : calling my spouse repeatedly ; demanding payment from my spouse in my behalf ; discussing debt with my spouse, ( in violation of 15 USC 806 ). A complaint to MCM has been filed on XX/XX/2023.
Product: Checking or savings account

This past XX/XX/2022, my personal bank account with PNC XXXX XXXX group was hacked online. During the time my account was hacked, I was not able to communicate with PNC bank and neither was PNC bank able to communicate with me. I did not receive any alerts or notifications during the online hack, after 60 days of internal fraud investigation with PNC bank and a police report with XXXX Fl police. PNC bank is now sending me letters notifying me that I owe PNC bank {$9300.00} and that I should receive more notification letters with more amount that I owe them. 
I had in my bank account {$3700.00} that was to pay bills, I never received my money after the investigation and I was not able to pay my bills on time due to. I am trying to take PNC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Fl XXXX to small claim court. For I am not responsible to pay back PNC money that was stolen out of my control. I banked with PNC for 9 years and never had a problem. The first time my account ever got online hacked and instead of PNC bank helping me, they confiscated the money I originally had in my bank account before the online hacking. I need help with getting my money back and not having to be responsible for paying PNC bank money that was not my fault taken from my account.
Product: Consumer Loan

I have purchased several buy here pay here cars. During the time that I was making payments in a timely manner this was not being report to the bur bureaus, I had XXXX cars repoed due to mechanical issues, I could not afford to make payments, insurance and repairs. when my car was repoed it was immediatley reported to the bureas as bad credit. My questioions is why snt the bureaus was the bureaues notified of my timely payments. This is very poory business pratice is this legal? 
I want a seetle for the hardship of incorrect reporting to the XXXX bureaus.
Product: Credit card or prepaid card

Dispute Resolution Process- Capital One Card ( Visa ) The representative and supervisor stated that the dispute process takes up to 90 days- allowing the merchant to respond. If the merchant does not respond, the dispute status is changed from pending to resolved and closed. However, for my dispute the 90 days count did not start from the moment the dispute was made ( XX/XX/XXXX ). It was started on XX/XX/XXXX ( a date I was out of the country ). After speaking with the representative supervisor she said actually, the process takes 45 days. Then she said it took 30 days. I asked her why she went from stating 90-45-and then 30. She stated that 90 days is what is stated in the confirmation letter sent to consumers. But in actuality it is 45 days if the card is a MasterCard and 30 days if it is a Visa. I explained to her that I needed to have the correct information because I was pending a pre approval for a mortgage and the dispute was showing in my credit report as pending. I needed a clear date or a letter from Capital One indicating that they were waiting for the merchant to respond within 30 days and if no response from the merchant, the dispute would be resolved. She stated that she was not supposed to tell me that information. That she was " educating '' me. 
The practices of this Company 's dispute process are misleading as they are stating misinformation to the consumers and jeopardizing the financial opportunities to those that have been loyal customers to its business.
Product: Debt collection

I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practices Act ( FDCPA ) and The Unfair or Deceptive Acts or Practices and Unfair, Deceptive, or Abusive Acts or Practices ( UDAP ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1.Account Name : AMERASSIST AR SOLUTIONS Account Number:XXXX. XXXX XXXX {$1600.00} XX/XX/2020 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 Delete this account immediately, unless you want to be held {$1000.00} per violation Thank you for your purchase of {$1600.00} which you paid pennies on the dollar, can I see the Purchase Agreement and the Original Creditors terms and agreement/condition. I refuse to pay this debt, my dads ice cream truck caught fire on the highway due to these unforeseen circumstances all funds are tied up.
Product: Checking or savings account

I believe XXXX XXXX XXXX and XXXX XXXX XXXX two fugitives   that I reported multiple XXXX   are  calling TD bank making false claims tha I'm a XXXX XXXX asking TD Bank and other company to place hold on my account which Did not authorize please investigate this matter