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

The manager of Dollar bank told me that funds were frozen by Social Security, and would be released upon notification. This practice was deceptive,, because further investigation of the matter proved that the manager ( XXXX XXXX  ) was misleading me to believe that the release of funds would take a long time to be released to me, and this was not true. 

A conversation with a Social Security agent I was told that the release of funds normally would take five days after the death of a family ( brother ) member. After 10 months, and not hearing from the bank I called the Social Security Administration and had a conversation with ( SSA ) an agent, and then I proceeded to contact a branch manager of the bank and he allegedly called the Social Security Administration, and he ( bank manager ) said that he would need a letter from Social Security Administration, however Social Security Administration told me that practice is against the law, holding money beyond the five day process. This deceptive practice is a breach of trust by the trustee ( bank ) at a time of grieving, and therefore my right to file this complaint. Furthermore, caused a great deal of hardship not having funds when needed, and a lost of interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to get several fraudulent accounts removed or blocked from my credit report.I have included the police report and they refuse to remove or block these items. The following accounts are accounts that are fraudulent/idenity theft and should be blocked XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Business Credit Card Balance on XXXX  XXXX, XXXX Credit Limit {$2700.00} {$2000.00} Credit Card XXXX XXXX XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$3100.00}
Product: Credit card

I contacted XXXX because they seem to offered great services are used their their fuel card a couple of times am I stopped using it because every time I will have to make a payment job and I was having trouble logging into my account. I was obligated to call and make a payment over the phone him with an expensive flat fee of {$15.00} for credit card processing over the phone so pretty much does the catch the lower your fees I want to fuel your gas tank for your trucks but then they charge you a {$15.00} fee to pay over the phone because every time I try to log into my account I would always never able to login. The XXXX month I decided to use it again no I would give it a second chance am I tried to login again to make a payment it was unsuccessful I made several calls about I was on hold for over XXXX minutes waiting for instructions to reset my password and be able to log into my account I was not able to login after following their instructions for several times and several times am I was ready frustrated I told him to please waive my fee that I will pay it over the phone. The XXXX month after being frustrated of nerve being able to log into my account after speaking to several of the agents and following their instructions step-by-step to reset my password I was not able to login I decided to cancel my account on not use the card anymore so I called her you asked to speak to a manager they passed me on the phone with the manager I explaining the situation he attempted to reset my password again unsuccessfully so I decided to Pay off my card balance and have my account close because I believe I was n't going to be using it no more I found it useful and from time-consuming for me he said are the total balance I paid it over the phone and he said my account was going to be closed.he was kind of rude I believe because he did n't want me to cancel their services but he was n't in the best mood now the next month I received a bill which I do n't understand why if I paid off my account I 'm on top of that they had added a {$80.00} fee for late charges him that I do n't understand why and since then I have n't paid them I 've been trying to fight with them and not I 'm not getting anywhere and every month they keep adding a late charge of {$80.00} I just I would 've never signed up to this account if I would 've known they were going to charge me fees on top of fees. And now this is beginning to affect my credit score.
Product: Mortgage

PNC Bank has a process for removing the PMI ( Private Mortgage Insurance ) from their customer 's mortgage that entails them sending a form by mail for the customer to sign and return along with a payment of {$500.00} to the bank to have the house appraised by a company of their choosing. My complaint with this system and the experience that I have had with them regarding this request are twofold : 1. The going rate for a single family home appraisal in my area by local appraisers is {$370.00}, {$120.00} less than the rate that PNC charges.
2. I requested the form to terminate my PMI from PNC bank on XX/XX/XXXX. As of today, XX/XX/XXXX, I have still not received the form. I called PNC 's customer service and they informed me that the form was sent out to me by mail on XX/XX/XXXX. I called them on XX/XX/XXXX, worried that it had not arrived yet and asked if they could electronically send or fax the form to me and they said that they could not. Tomorrow I go on vacation for 2 weeks, so I will be paying an extra month of PMI, simply because the bank could not accommodate me in a professional, timely and reasonable manner. 

I feel that this is disrespectful to the customer and that the delay of sending such a form only benefits the bank, since removal of PMI affects the amount of fees that they receive on a monthly basis. How should it take two weeks to receive a form in the mail? Furthermore, we live in the 21st century, where everything is digital. Why should n't a customer be able to download and print such a form from PNC 's website?
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION orhttps : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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, NY XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; According to FCRASection 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT LETTERS TO XXXX XXXX TO FIX MY PERSONAL INFORMATION THEY ARE THE ONLY CREDIT REPORTING COMPANY WITH MULTIPLE WRONG ADDRESSES. SPELLING OF MY NAME AND INACCURATE WORK HISTORY. I SENT THEM AN UPDATE WITH A COPY OF MY DRIVER 'S LICENSE AND THEY STILL DIDN'T UPDATE MY PERSONAL INFORMATION. 

THE CORRECT INFORMATION IS : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX TX, XXXX WORK : XXXX XXXX XXXX
Product: Credit card

Hello. 

My husband and I both have platinum credit cards through Elan Financial. In taking inventory of our debt, we realize that we have overextended ourselves and want to take care of this. We arent asking to not pay our bills. We expect to pay every XXXX we owe. My husband and I called to get the interest rates and payments lowered on both of our cards. Elan Financial took care of his, and then said I was eligible for the same program. The person helping us said that his computer was running slow, and that we needed to call back to get all the details arranged. I called back repeatedly. Elan Financial is now saying that I am not eligible for the hardship program. We have made the first payment on my husbands Elan card, and I am eager to make a payment and get started paying back the amount I owe. Multiple calls have resulted in no help. Today I called, and they again said to call back in a couple of weeks. What is wrong with these people? I have called several times and keep hearing the same thing. Keep calling back. In the meantime, I am sure they are reporting this to the credit bureau. Seriously the worst company ever to deal with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 

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
Product: Credit card or prepaid card

I applied on-line and received an AMEX card that was advertising zero interest for 15-months on a credit card. I was granted the line of credit on XX/XX/XXXX and then immediately submitted a credit card balance transfer to pay a loan off. On XX/XX/XXXX, I clearly was advised by telephone that it was against AMEX 's policy to transfer a credit card balance to a loan. waited a week, and chatted on line about the submitted transfer, as I had a promotional expiring on the loan on XX/XX/XXXX. I was informed to contact AMEX Balance Transfer team, which I did the following day. I was advised after getting the card that my balance transfer would be declined, as I could only be approved for a credit card balance transfer, and AMEX 's policy was that you could not transfer a balance from a loan to an AMEX card. I advised the customer service agent on the phone to refer to card terms that noted that loans were not part of the transfer balance promotion. I was advised to check my terms, which I did not receive the terms until I received the card. At that point, I asked for my card to be cancelled on XX/XX/XXXX. I received a letter in the mail after several conversations with other customer service representative, and never having the opportunity to speak to a manager, that the balance transfer had occurred and an electronic transfer was sent to the loan that I had already paid off via a loan that did have interest that I originally sought out after AMEX advised me over and over that the balance transfer would not occur. The letter was dated on XX/XX/XXXX and signed by a XXXX XXXX, VP Global New Accounts. Immediately upon receipt of the letter, I called customer service, and asked how a transfer balance could occur on a cancelled card. I was advised that the credit card balance transfer was separate from the loan transaction. I had a hour discussion with a alleged supervisor at AMEX, who continued to tell me I needed to read the agreement, and that they could not stop or revoke the electronic balance transfer to pay the loan. The balance transfer was received by the loan company on XX/XX/XXXX. As a result, I was forced into paying interest on a loan, and the loan was paid-off by both the loan and AMEX entity. I believe that this needs to be investigated, due to the fact that the credit card was cancelled out and somehow the balance transfer still occurred while the card was cancelled and against the alleged violation of AMEX 's on card transfer terms ( no card transfers apply to closed out cards ). I am also, asking for the amount of interest I will be paying for the loan, due to AMEX noting numerous times the transaction would not occur. I am also requesting that the dates of cancellation and the date of the balance transfer be investigated, as I am under the impression that AMEX fraudulently applied charges on a cancelled card and without my permission against their own terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX You all claimed to Have Verified XXXX account XXXX as I looked at this account on all 3 of your reporting XXXX you have no Payment History listed on your report this is a violation of the FCRA! But however on this account you did report date of 1st delinquency. of XX/XX/XXXX how is this so? this is incorrect reporting therefore must be deleted from all Three agencies Per the FCRA a consumer credit report must I repeat Must be 100 % percent accurate please delete ASAP XXXX You are reporting and Ok Payment for XX/XX/XXXX but however on XX/XX/XXXX you are reporting a 30 day late. Transunion has an Ok. XXXX is not reporting anything incomplete Transunion you are  reporting a ok late XX/XX/XXXX Transunion you are also in violation of the FCRA REPORTING A INCOMPLETE FOR XX/XX/XXXX AND XX/XX/XXXX These account can not report as Unknown has to 100 % percent accurate! Please delete asap CFBP I would Like for you to forward a copy of this Information to Congresswoman XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for a XXXX XXXX Credit Card through XXXX in or about XX/XX/XXXX. This account was reported on all 3 Credit Agencys including equifax. As of XXXX, XX/XX/XXXX, i pulled all 3 reports from XXXX, Equifax and XXXX. I noticed the XXXX XXXX XXXX credit card is no loner on my file with equifax even though i have previous reports showing XXXX XXXX was reported to equifax monthly. 

Last XXXX of the Credit Card is XXXX This Account with XXXX XXXX XXXX needs to be fixed immediately and added back onto my equifax credit profile as it should have never been wrongly removed. 

Im attaching an XX/XX/XXXX Equifax report that shows XXXX XXXX XXXX in the report, and todays Report XX/XX/XXXX where XXXX XXXX XXXX bank is no longer showing. 

This is an active account and should of never been removed. 

I reserve all rights under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payment on my credit report and I do not believe I was late on the dates they are reporting. I contacted them 3 times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of 30 days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to CarMax regarding my account and my credit profile. Pursuant, 15 U.S. Code 1605, finance charges are explained. Built into the finance charge is an insurance that protects the lender in the event the obligor defaults. You sold my car in auction. I defaulted on XX/XX/XXXX. Which means you received insurance money! You took it even further and put it on my consumer report stating it as a charge-off. Well, according to the IRS, when a creditor cancels a debt or file a form XXXX on any amount over {$600.00}, they must send the obligor/consumer a form XXXX. {$13000.00} was written off. I never received my form XXXX for this cancelled debt! A cancelled debt means exactly what it says, a cancelled debt! 

XX/XX/XXXX CarMax sent a validation of debt letter to me, verifying that I in fact do have a {$0.00} remaining principle with them. 

XX/XX/XXXX I sent out a letter to CarMax demanding my account be deleted and stopped being reported to the credit bureaus because they just verified that I had a {$0.00} remaining principle. 

XX/XX/XXXX I received a letter fro CarMax, stating my " complaint is generally unclear in its reasoning and intent. '' XX/XX/XXXX I mailed another letter being more specific on what my intent and reasoning is.
Product: Mortgage

My mortgage is through New Rez and my homeowners insurance is through XXXX. New Rez did not pay our mortgage insurance premium and we were not notified by either party. We contacted XXXX to find out what happened and they said they canceled our policy and that they will not open it back up with New Rez because of the frequency and number of late and no payments from them. They said we can restart our policy but it won't take affect until XXXX. We currently have no mortgage insurance because of this issue. I attempted calling New Rez XXXX times yesterday and sent a message via their site and have not been able to contact anyone. Under article XXXX, they are not in compliance and I want to pursue damages and a refund.
Product: Credit reporting or other personal consumer reports

I hope you are well. Despite our numerous exchanges and my ongoing efforts, the fraudulent items remain on my credit report. I respectfully request that you escalate this issue and explore all possible measures to thoroughly investigate and eliminate these fraudulent items from my credit file. Clear communication regarding the progress and actions taken to resolve these issues would be greatly appreciated. I understand that dealing with fraud can be complicated, but it is vital that we work together to expedite the resolution process. Your collaboration and support in this matter are essential for achieving a satisfactory outcome. Therefore, I am asking for your assistance to remove these fraudulent entries from my credit file : 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
Product: Credit card or prepaid card

I applied for the XXXX XXXX American Express Card on XX/XX/XXXX and was declined ( Ref : XXXX ). I called them back to find out why this was and they told me that there was derogatory mark on my previous account from XXXX and that they can decline me based on this. However when I checked my credit report this derogatory mark was not on my record so this has to be deceptive practices or discrimination based on previous account that is over 13 years old.  I'm absolutely appalled by the way I have been treated and will never do business with American Express ever again. I will make sure all my family and friends are made aware of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this information in XXXX of XXXX was a victim of the XXXX XXXX breach and the XXXX XXXX  breach and my personal information has been used without my authorization. This resulted in harassment and XXXX and false or misleading representation which is in violation of Fair Debt Collection Practices Act Sections 806, 807, 809, and 812. The incorrect information is still showing up on my credit reports.