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

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Product: Credit reporting or other personal consumer reports

XXXX Fail to provide notice of dispute sentence on my credit report which is a violation of my rights as a consumer. According to FDCPA Section 807 ( 8 ) A person have XXXX  days to update consumer report with a notice of dispute sentence on credit report and that was not done on a lot of my accounts which I would attach proof with to this complaint I disputed with The CFPB on multiple occasions. Some Bureaus was giving more then XXXX days still no update so NO investigation was done. This a violation of my right delete these account immediately From XXXX NO NOTICE OF DISPUTE was entered so no investigation was done to my credit delete immediately for this violation. 

XXXX XXXX XXXX # XXXX FDCPA Section 807 ( 8 ) 807.

False or misleading representations [ 15 USC 1962e ) ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2| ( a ) ( 3 ) Duty to provide notice of dispute. If the complete-ness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several inaccurate accounts on my credit reports with the XXXX major credit bureaus and I have received no answer.
Product: Credit reporting or other personal consumer reports

I recently reviewed again my XXXX, XXXX and Equifax credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of 15 USC 1681n for reporting false information and without a permissible purposes.
Product: Checking or savings account

On approx. XXXX XXXX, XXXX U.S. Bank removed {$11000.00} from my personal checking account and held the funds. They closed my account and instructed me to visit a local branch to prove ownership and validity of the funds. On approx XX/XX/XXXX. I met with branch manager XXXX XXXX in XXXX, IL approx. I provided here with substantial documents where she uploaded the documents into her database. I explained to her they where deposits ( student loans and grants ) from our school my partner XXXX XXXX and roommate XXXX XXXX as they were not able to obtain a checking account. After a XXXX hour meeting she informed me a decision would be made in XXXX business days. I called her on the seventh business day she informed me the funds where going to be sent back to the origin. XXXX ( XXXX XXXX XXXX XXXX XXXX ). After several weeks we called to verify if the funds returned, they NEVER returned. I contacted a phone representative on approx. XX/XX/XXXX where the rep advised me the funds where still with U.S. Bank. Again I was instructed to visit a local branch. I met with another U.S. Bank XXXX " XXXX '' also in XXXX, IL. He advised me the funds where with risk management and he was unable to retrieve them. I offered a solution of all three of us coming to the branch " XXXX '' advised me that would not resolve the matter. Today XX/XX/XXXX I called U.S. Bank for the " third time '' they have advised me to visit another branch to speak with another branch manager.
Product: Credit reporting or other personal consumer reports

Under 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 The accounts under the names of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an 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 card

Sometime about mid XXXX I applied for a credit card from the bank I have been with for nearly 20 years, PNC. The main reason I chose to apply for a card with PNC, as opposed to a competitor, was because they were offering a {$200.00} bonus after spending {$1000.00}. This offer remains on their website as of this writing ( link below ) and I applied via the link on the offer page. 

Over the course of about the next month or so after being approved for the card I spent over {$1000.00}. After not seeing the bonus I reached out to customer service at PNC via their app, who told me to wait for the first statement in XXXX. After not receiving the bonus again after this point I reached out to customer service again, but this time was told I would not receive the bonus. 

As I did not have time to contest this at the moment, I called PNC back and was told an investigation would be opened and should conclude by the following Monday. On the following Wednesday, now a few weeks ago, I called back after hearing no word from PNC. This time I was told the person working my case was on vacation, and I had to wait for her to return. 

As of this writing, I have neither heard anything from PNC nor received the {$200.00} bonus that I applied and was approved for months ago. If you can assist in solving this matter, I would appreciate it. 

https : //www.pnc.com/en/personal-banking/banking/credit-cards/pnc-cash-rewards-visa-credit-card.html? & WT.srch=1 & WT.mc_id=CC_GOOGLE_Search_KYSIN_S_G_B_CC_E & e=GOOGLE & m=p & k=pnc % 20cash % 20credit % 20card & gclid=Cj0KCQjwmICoBhDxARIsABXkXlIyx1y_7Wkql_RWNW5JE8SX9rnOlanPZ3_q4OlKgh0w8PMCBZwPcLIaAgxbEALw_wcB & gclsrc=aw.ds
Product: Debt collection

XXXX XXXX XXXX is calling me everyday about my student loan debt and harassing my wife as well everyday, when we have a high risk baby at home who needs 24 hour care and sleep. They are demanding I have to pay or my wife pay whom is a stay at home mother and takes care of our children and her sick grandmother. They yell with a threat to pay the total amount of 75,000+ dollars for private student loan debt. They are not my loan owner lender originator nothing and will not work with me just like XXXX would not work with me when I only make XXXX a year with a family of XXXX and 3 dogs. How in the world does their math equate me making any type of payment. And they keep calling me everyday telling me to make the full total payment like my financial situation changed and I just won the lotto jackpot overnight. I told them stop calling my wife, she has enough to deal with already and she did not create this debt. If you have a solution on how we can work something out I all ears but this is just ignorance on you and your company to call everyday making demands of total payment when I get paid today the same as yesterday and its enough to feed my family.
Product: Checking or savings account

On XX/XX/XXXX my chime bank account was hacked into and over {$2000.00} was stolen from me I have filed a dispute twice and it has been denied both time. I have also filed a police report. But they refuse to give me my money back or take responsibility for what happened.
Product: Credit card or prepaid card

Capital One Quick Silver One is using credit report from months ago for anyone who tries to request credit line increase. I feel Capital One should be using most recent credit report and credit report not from 60 plus days ago. Most online feedback is that for anyone who owns Capital One Quick Silver One is that Capital One very reluctant to give credit line increases. I feel Capital One is misleading consumers and not being honest with consumers. Perhaps the option the even request a credit line increase should be XXXX for everyone because Capital One only gives credit line increases when choose to not when the consumer requested. I know several family and friends that say the same thing.
Product: Credit card or prepaid card

I visted XXXX on XX/XX/2019 at XXXX XXXX XXXX, XXXX, GA. 
My total came to {$44.00}. The transaction was declined twice. I notified the manager whom checked their POS System & advised there was no authorization or transaction on file. They swiped my card a 3rd time at another kiosk, the tranasction was approved then. 
I checked my account to find 3 separate charges IAO :  {$44.00} Each with the funds debited from my available balance. 
I called Bluebird & spoke with 4 different people including 2 supervisors who offered zero solutions, disputed with me that all the charged were approved, only reading from a script stating the charges will remain on my account for 8 calendar days. 
I want My Funds Back Available on my card Immediately!

There needs to be an Investigation into this company which has been outsourced to XXXX, they only understand their own culture, Never taylor an Appropriate resolution for each unique customer issue, they do Not Listen yet persists to rudely interrupt, they charge erroneous fees, leave you on hold, then hang up on you.
Product: Credit reporting or other personal consumer reports

XXXX shown on my credit reports ( XXXX ) has been given to XXXX XXXX. XXXX has sold to this company and shared pertinent information that belongs to me. Please have each Equifax, XXXX, and XXXX remove this negative item from my files
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE ACCOUNT ; XXXX DATE OPEN ; XXXX 2016 THIS IS A ERROR REPORTING ON MY ACCOUNT THIS ACCOUNT WAS PAID IN FULL IN WAS SUPPOSED TO BE DELETE FROM MY CREDIT FILE. THE COMPANY ACTED IN BAD FAITH. I WOULD LIKE THIS ACCOUNT REMOVED WITHIN 14DAYS.
Product: Debt collection

This company has been unable to verify this debt. The debt was removed off of my credit report but is now showing fraudulently on my Equifax credit report. I have no knowledge of this account and want this debt removed immediately.
Product: Mortgage

1 ) My son and I are XXXX, and XXXX generations of XXXX XXXX. We live at the same address. We have different birthdays. We have different Social Security numbers. This may seem obvious but not to credit reporting companies. XXXX got it right. XXXX and Transunion reported my IRS liens against my son. I went to the XXXX XXXX County Clerk, obtained County Clerk certified copies of the liens showing my SS # and asked both to delete the liens from my son 's credit report. They refused and continue to falsely report these liens against him. 
2 ) When my son was XXXX-still covered under my XXXX insurance he had an xray.. I presented XXXX Insurance information. The Dr. 's assistants said nothing, failed to claim the xray against XXXX coverage and filed a credit report against ( not me ) MY SON! Transunion and XXXX refuse to remove the charge against his credit. 
3 ) My son 's uncle died leaving a XXXX car subject to a note. XXXX Bank allowed us to assume the note. Immediately after his uncle 's death there were 2 late payments. When probate was completed and the car purchased and the note assumed, the 2 late payments were attributed to my son, who did not own the car when the late payments occurred. XXXX and Transunion refused to remove them from his credit report. XXXX rated my son at at XXXX. XXXX and Transunion rated him at XXXX and XXXX. Obviously these errors have had an enormous impact on his credit report, defeating his efforts to obtain a mortgage loan.
Product: Payday loan, title loan, or personal loan

I took out a personal loan to purchase a vehicle from someone I knew personally. They had a TitleMax loan so I paid it off with XXXX on XX/XX/23 while all three of us was on the phone. I was asked by XXXX where to send the title, but unfortunately he was working with the guy whose loan it was and he requested to pickup in store. Even though XXXX took my personal address to forward the title. On XX/XX/23 I received a letter from TitleMax notifying me of a data breach. This business uses deceptive tactics to make money from the less fortunate. I repeat stay away from TitleMax XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

FICO gives a person a 30-day grace period before certain loan inquiries, like auto loans, are reflected in credit scores. FICO records multiple inquiries for the same type of loans as a single inquiry as long as they're made within a certain window ( typically 14 days. ( Comparison shopping ) Transunion recorded each inquiry separately totaling six for the same loan. To my knowledge, I have not signed or allowed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, or any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above.

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone who has stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.

Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some accounts on my report I do not recognize
Product: Mortgage

I am the title owner of the property located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( " The property '' ). The Bank filed a case based on breach of the mortgage ; more specifically failure to maintain insurance on the property. On XX/XX/XXXX, I received a letter from the lender indicating that my hazard insurance had lapsed. ( Addressed to my XXXX XXXX ). The letter indicated that if I did not obtain insurance that the lender would purchase insurance for me on the property. Included with the letter was an informational brochure. The brochure indicated what would happen if I did not obtain insurance. 1. The lender would " force-place '' insurance. " With reverse mortgage loans, lender may withdraw the cost from the available equity in your reverse  mortgage loan. The reverse mortgage I obtained on with the Plaintiff was for {$120000.00}. At the time of foreclosure, I only used approximately {$2500.00} of the line of credit on the reverse mortgage. Nowhere in the brochure did it indicate that a foreclosure was a possibility. Days after the letter from the lender a foreclosure complaint was filed against me on the above mentioned property. I was served the original complaint on XX/XX/XXXX. The complaint was filed on XX/XX/XXXX, however, on XX/XX/XXXX I obtained valid insurance on the property and states the property and was covered from XX/XX/XXXX to XX/XX/XXXX.  Proof of insurance was sent to lender. Because this was the basis of the complaint, and I sent information to cure the issue, I assumed it was taken care of. I did not receive any further information regarding this matter. I did not receive any subsequent pleadings, that the Plaintiff indicates were mailed out to the address of the property. Mail is not delivered to that address and has never been. I do not receive mail at the property and have not ever received mail at that address. I receive mail at a XXXX XXXX . Per the US Post Office, all mail Must be addressed to XXXX. XXXX XXXX XXXX, Fl XXXX. I never received any subsequent pleading or any documents regarding this foreclosure. I assumed the matter was taken care of. I only became aware of the Final Judgment on XX/XX/XXXX or XX/XX/XXXX of this year when I was served with the Eviction Notice. I am XXXX XXXX XXXX and the care-taker of my wife who has XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT. I HAVE ABSOLUTELY NO KNOWLEDGE OF THE ACCOUNT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN THE STATE THAT IT IS IN. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Checking or savings account

I used to have a bank account with Wells Fargo they decide to close my account without even tell me because of XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, in my under reference # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and fraudulent items which were being posted to my reports. Here is the list of items which 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

i bought a car my first car in XXXX XXXX, in XXXX a law firm contacts me stating that my car my XXXX XXXX XXXX XXXX XXXX has been auction announced as frame / major damaged... 
so when i first recieved the car and keys in XXXX the key was a second key and it was coming apart i went back tried to get a key well the first key and i was turned down they told me NO couple times it was a week going back and fourth, well then XXXX the car was turning off on me, and so many times i took it to the mechanic and bill after bill plus maintaince, so ending of XXXX i was already looking to trade well i been shut down everywhere, i then get contacted by a law firm stating my car is unsafe to drive im like XXXX XXXX XXXX, so i recieved a settlement of XXXX. XXXX is what i gave for down payment i like XXXX XXXX XXXX i ask if i could get another car i was told no, why not? im still paying for this car still i did get behind due to im emotional distressed, i lost my XXXX XXXX XXXX XXXX in a motorcycle accident he was on his way to come see us, my XXXX XXXX had his XXXX XXXX XXXX his XXXX did not fully developed, im a XXXX XXXX  with XXXX XXXX XXXX, and im paying for a vehicle that is not safe and dont drive me anywhere it dont start the key finially came apart. and i just losing i need a new car honstly im being done unrightful i really need a vehicle that i can get to A to B to C ETC...
Product: Credit card

Card appeared in the mail in my name without my request or knowledge. Contacted company and can not get a live agent on the phone. Refuse to activate card in order tot talk to an agent. Want account closed due to fraud. Unsure how account would be opened as i have an active freeze on all credit agencies.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, SC XXXX Subject : Request for Account Removal and Clarification Dear Sir/Madam, I am writing regarding an account that has been reported as charged off but continues to appear as open on my credit report. The account in question is [ Account Number XXXX and is listed under the name of XXXX XXXX XXXX. 

This inconsistency is misleading and damaging to my credit profile. An account can not simultaneously be charged off and remain open, as this creates a false representation of my financial obligations. Additionally, I did not authorize the transfer or sale of this account to a third-party collection agency, such as XXXX XXXX XXXX XXXX For these reasons, I am requesting that this account be removed from my credit report immediately. 

Please confirm the following in writing : 1. The current status of the account with XXXX XXXX XXXX. 


2. Whether XXXX XXXX XXXX has legal ownership of the debt. 


3. Verification that this account has been accurately reported by XXXX XXXX XXXX. 



I trust you will address this matter promptly and provide a response within thirty days. If this issue is not resolved, I will have no choice but to escalate the matter by disputing it directly with the credit bureaus. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Company threatening to repossess a totaled vehicle not only that extra high interest so my payments dont go to principle I think the loan needs to reaccessed and forgiven and to be wiped of my credit report that are actually being sued at this moment for inaccurate reporting as I feel I am being taken advantage of.