23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I currently have my home mortgage with PNC Bank. On Friday, XX/XX/XXXX, my wife, a XXXX  in a XXXX XXXX, XXXX XXXX for XXXX. Now, we are both mandated   to quarantine  for at least the next 14 days. With our next payment due on the 1st, we are worried that we might not be able to make our payment of {$1700.00}. After reading about the CARES ACT, passed on XX/XX/XXXX, I reached out to PNC, by phone, regarding mortgage forbearance on our FHA loan. The cares act states that one can receive up to 12 months forbearance on a current mortgage, due to coronavirus related issues. I was told by a bank representative that their policy was 90 days, without making a payment, or making partial payments, with no late fees and no credit reports, for the missed payments. However, at the end of the 90 days, we would have to pay the total, {$5100.00} missed payments. I stated that if someone couldn't make one payment, being out of work for an extended period of time, how would they expect us to pay 3 payments. She responded that a review was possible, at the end of 90 days, but with no reasonable solution given to us, it seems like we will be forced into a possible foreclosure. There was no mention of adding the missing payments at the end the mortgage due date. THIS IS OF NO HELP TO ANYONE. A 3rd grade student can see that this is a set up for failure, or better yet a total disaster for the American homeowner, who by no choice of his own is thrown into this ring of fire. Please help us, and millions of others, facing total devastation due to this XXXX  plague, the coronavirus.
Product: Debt collection

Checked my credit report and listed was a collection from PORTFOLIO RECOVERY for XXXX XXXX XXXX stated dispute resolved and inaccurate reporting on my account from PORTFOLIO RECOVERY WHICH I HAVE NEVER EVER DID ANY BUSINESS WITH. When I contacted XXXX XXXX XXXX no one was able to provide any information on this collection. I have NEVER received any information or documents from PORTFOLIO RECOVERY this states it was reported XX/XX/2024. I have no knowledge or ever did any business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DEPT OF EDXXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX did not remove a 30 and 60 day late payment on my credit history. The banks online payment system didnt process my payment then didnt notify me that my payment wasnt processed. My account hadnt missed a payment in almost 3 years. So it was out of character for my payment to go unpaid. I have spoke with XXXX  they had originally agreed to remove the delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Reporting Agency XXXX. XXXX  XXXX XXXX, Georgia XXXX XXXX : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 



USDOE/XXXX  {$46000.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) {$810.00} XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) {$1000.00}
Product: Credit reporting or other personal consumer reports

Me and my dad have the same name and they have put stuff on my credit report that are his and I need them removed, XXXX XXXXXXXX XXXX XXXX for XXXX XXXX XXXX  for XXXX I have filed disputes over the last year with Transunion and XXXX and XXXX and nothing has been resolved.
Product: Student loan

In my XXXX XXXX I have student loan repayment ( SLRP ). On XX/XX/2023 & XX/XX/2023. The XXXX XXXXXXXX XXXX submitted multiple payments on my student loans to Ed finnacial service, who was my loan service provider before it was trasnferred to XXXX. Ed Finnacial services lost the payment failed to return the payment or transferr it to my new service provider. To me it seems like someone is stealing money or some sort of fraudalent activity. I am submitting a report to the FBI as well. At this time it has been over 4 months and the investigation has gone nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report that is not mine I have never done business with this company. They have stole my information. My daughter opened an account with them and they are acting as if I own the account. She and I have had a joint account in the past and I feel they stole my information cause I had the best credit. They are reporting a late payment that has dropped my score XXXX points and I cant get them to do anything about it its not my account. I have never or will ever do business with them. Please help
Product: Debt collection

I received letter dated XX/XX/XXXX, related to student loan debt from XXXX, XXXX XXXX XXXX Co, XXXX. Within 30 days, or on XX/XX/XXXX. I wrote to them to let them know that I disputed the loan was past due. To date, I have not heard from them. The same date, XX/XX/XXXX, the loan was reported to XXXX  credit bureau as a collection account. 

I made several attempts and provided documentation to XXXX  to get the collection status removed as I had it removed in the past with previous debt collectors. XXXX  representative XXXX XXXX XXXX, on XX/XX/XXXX XXXX stated that they could not provide me with information on how the debt was verified and that my option to contact Customer Financial Protection Bureau. 

I would greatly appreciate your assistance in resolving this issue. I was paying the loan as agreed and fell behind because of my ongoing divorce matter. The payment sent was returned to me while I have another student loan that is current in payment with the same lender, XXXX  XXXX. 

Sincerely,
Product: Credit card or prepaid card

Called XX/XX/XXXX upon first receipt of fraudulent statement to dispute account. 
Letter stating Dispute info received XX/XX/2022. 
Received another statement for charges and immediately called customer service XX/XX/2022. 
Notice of adjusted minimum payment XXXX received and letter dated XX/XX/2022. 

Letter received ( dated XX/XX/2022 ) that case was closed due to : 1.Statements were sent to an address that belongs to you. 
2.You received benefit from a transaction ( s ) or payment ( s ) made on the account. 

Called again XX/XX/2022 to dispute and reopen investigation. 
Statements continue to arrive and called them again today XX/XX/2022. 

I did not open this account. I did not receive any benefit from the transactions. Transactions were out of state and I have never traveled to those states. I do not know and have no knowledge about who the names of the people mentioned in the charges are. I do not have the physical card. I never received any card in the mail. 

Bank refuses to accept my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act. the list of accounts have violated my federally protected consumer rights to privacy and confidentiality under USC 1681 XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, DPT EDXXXX # 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 a right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681 c ( 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 conviction of crimes which antendates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) Apersonshall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Around XX/XX/XXXX my wallet was stolen/lost when I was at the mall. I did not know my wallet was gone. I know it was around this time because its the last time I used my physical debit card at the atm to deposit money. About a week later I received a fraud alert that my debit card was being used. I answered that it was unauthorized use and called to report it immediately. My debit card had been used to make a purchase at a gas station and at multiple atm machines. My PIN number had been written down because my account is fairly new. After I reported it my claim was denied and I was told because of my pin being written down it was ruled that I have authorization for these transactions. However, I did not authorize these transactions and have reported this to law enforcement. After my claim was denied I noticed the representative had failed to include one of the unauthorized charges in my claim which was the gas station charge, shed mistakenly only included the atm charges. So when I added this charge to my claim the bank refunded this transaction as unauthorized since my card had been stolen. I assume the difference was my PIN number wasnt used because it was only {$2.00}. However, this was the first unauthorized transaction after my wallet was stolen, And every physical card transaction after that were unauthorized. So if acknowledging my card was stolen and being fraudulently used by refunding the very first transaction then how can it be said that the transactions following that were authorized because they utilized the pin which was written down? It is clear the card was not in my possession and being fraudulently used, there for my claim should not be denied on the transactions that used my pin but granted on the transactions that didnt use my pin. Either way none of the transactions were me.
Product: Checking or savings account

I signed up for two bonuses more than 4 months ago, the XXXX bonus for XXXX  account and the XXXX bonus for saving account. However, I received neither of them. Please take a look into this matter. 
Checking account number : XXXX Saving account number : XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT ASAP XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX its been while is sent the disputes
Product: Debt collection

On XX/XX/2018 I called allied collection services at XXXX and spoke with XXXX XXXX, I asked who they were and what is the debt for. He stated thats its a debt collection agency and was trying to collect a debt. He also stated that it was for XXXX XXXX XXXX. I then stated that Ive never lived at a place called that, then XXXX XXXX asked if I lived at a place called XXXX XXXX I answered no. He asked me to give him to Wednesday to figure it out. I called back on Wednesday. I was told that it was my debt and I asked if I can get verification, they stated that they have my name, number, address, and drivers license number. I stated that that was not Verification and to send a contact to my address. They then hung up the phone on me.
Product: Money transfer, virtual currency, or money service

Paypal is holding my Financial Information hostage and will not remove my personal Financial Information from their website as I have requested. My account was closed as of XXXX for as Paypal put it Chargebacks and Disputes that were initiated on my behalf, in which I had every right to dispute the rampant fraud that was happening on XXXX and Paypal at the time. This account is no longer active and is such is no longer used to prevent fraud, collect any fees owed, resolve disputes and trouble shoot problems, assist with any investigations, enforce sites terms or conditions, comply with legal requirements : since the account has been de-activated by Paypal any terms and conditions are now considered termed and void under XXXX. 

As for the following accounts under XXXX and XXXX These both accounts are no longer active and is such are no longer used to prevent fraud, collect any fees owed, resolve disputes and trouble shoot problems, assist with any investigations, enforce sites terms or conditions, comply with legal requirements : since the accounts has been de-activated by Paypal any terms and conditions are now considered termed and void. 
Recently in XXXX in the month XXXX, three fraudulent transaction occurred on the Paypal account associated with email XXXX Paypal was useless in this matter and even couldnt give me details on what happening on the matter, in fact these XXXX couldnt even get the money back into my account when this fraud occurred, I have to get my Bank involved to initiate a charge back from this fraudster. Paypal falsely states they will protect my information, when in fact they can not even retrieve money that is stolen out of a Paypal account, they are useless merchant and I want my XXXX personal information removed from Paypal, they have no right under federal laws to keep my personal Banking information, when none of my accounts pertain to the following : prevent fraud, collect any fees owed, resolve disputes and trouble shoot problems, assist with any investigations, enforce sites terms or conditions. These became termed and void once Paypal de-activated my accounts.
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, has violated my rights. 
XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Email : XXXX Cell : XXXX Company Complained About : XXXX XXXX XXXXXXXX XXXX XXXX Complaint Details : I am filing this complaint against XXXX XXXX XXXX XXXX XXXX for inaccurate credit reporting and failure to correct errors in violation of the Fair Credit Reporting Act ( FCRA ). 

On my credit report, XXXX XXXX is reporting the following : Current Balance : {$56000.00} ( Incorrect ) Original Loan Amount : {$92000.00} Last Reported : 43 Days Ago Issue Summary : I have disputed this incorrect balance with XXXX XXXX and the credit bureaus ( TransUnion, XXXX, and XXXX ), but no proper correction has been made. Under FCRA 1681i, I have the right to a fair and accurate credit report, and they are legally required to conduct an accurate reinvestigation within 30 days. 

XXXX XXXX has failed to verify or correct the inaccurate balance, which has negatively impacted my credit score and financial standing. This constitutes a violation of FCRA 611, which mandates that any inaccurate, incomplete, or unverifiable information be corrected or removed. 

Resolution Requested : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and take action against XXXX XXXX XXXX XXXX XXXX to ensure that : The incorrect balance is corrected or deleted from my credit report immediately. 
A full reinvestigation is conducted to verify the accuracy of the reported information. 
XXXX XXXX complies with all applicable FCRA regulations regarding fair and accurate reporting. 
If XXXX XXXX fails to comply, I intend to pursue a formal lawsuit for willful noncompliance and seek damages under FCRA 1681n and 1681o. 

Supporting Documents : A copy of my credit report showing the incorrect balance. 
A copy of my previous dispute letters to XXXX XXXX and the credit bureaus. 
Any responses ( or lack thereof ) from XXXX XXXX regarding my dispute. 
I appreciate the CFPBs assistance in resolving this matter promptly and ensuring compliance with federal consumer protection laws. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TN Email : XXXX Cell : XXXX
Product: Credit card or prepaid card

Date : XX/XX/2021 Subject : American Express Platinum Card Promotion CASE ID : XXXX Contact Time : Over 3+ hours via telephone and chat Proof of Fraudulent Promotion : XXXX : XXXX XXXX Applying fore Amex Platinum Card via promotional link on their website : XXXX XXXX XXXX XXXX  This is a fraudulent advertisement by AMEX to coerce new applicants XXXX open a line of credit and receive above the customary new account rewards points ( XXXX instead of XXXX ). 

Once the link to apply is clicked and are approved, the line of credit is opened in your name, a card sent to your address and no prompt for rewards are issued. 

This requires an individual to call AMEX to address your reward point amount. 
At this point they will notify you that you are awarded the customary XXXX rewards that has always been in place for this card. There is no XXXX bonus points. Its a complete gimmick to get you to open a line of credit in your name in hope you will inevitably end up using the card. 

Additionally, you are worse off if trying to cancel. You will have to incur the inital hard credit check and additional hit if you decide to close the line. 

Moreover, if you decide to inquire the process is as follows : - you must activate the card and start spending toward the XXXX in 6 months minimum spend for the promotional offer immediately. 
- During a period of 6-7 weeks ( will continuing to spend ) an AMEX team will review the promotional offer and issue you formal approval via mail if you are approved. 
- None of this is presented in the promotional print nor is there follow through by AMEX. 

This is a serious scam that should be addressed immediately and made known more publicly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and XXXX  are showing accounts on my credit report that don't belong to me.
Product: Student loan

Navient has called my job several times after i have specifically told them not to contact me at work regarding the collection of my student loan debt. These are illegal tactics and practices.
Product: Mortgage

I have a mortgage with Ocwen. I have made my payments consistently on time. On XX/XX/XXXX I made a payment to Ocwen in the amount of {$2500.00} for the month of XX/XX/XXXX. The XXXX, Ocwen reported me to credit bureaus for being 30 days late for XXXX, even though they received {$2500.00} on the XXXX. Rather than applying my payment to my principle and interest, they HELD the funds and did not apply the funds because escrow amount was increased and I was short a few dollars. So they HELD {$2500.00} of my funds and reported me as 30 days late in making my payment when in fact that was False. I have a healthy balance in escrow and I was not short there either. My credit rating has sunk because of their practice to hold my funds and not apply them to my mortgage. They have been unwilling to help me clearing up my credit report because of them HOLDING my funds, even though I have been and remain current in my payments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX member I was gone for couple months just got back and noticed some fraudulent activity/account on my report that according to the FCRA ( Fair Credit Reporting ACT ), 15 U.S.C 1681. legally these unverified & unauthorized items MUST be removed! Account name XXXX & XXXX
Product: Consumer Loan

I am filing a complaint with Ally Financial ( Attn. XXXX, XXXX, Ext. XXXX ) and their attempt to contact me about our car loan. The loan is under mine and my wife 's name. The law says they are only to call her or I concerning the loan. Multiple times ( also multiple times in a single day ), they have called my parents in XXXX and my brother in XXXX asking for me and my wife. I have never given out their numbers, which means they are doing searches on my families contact information. This is a form of harassment and it invades my families privacy. On top of that, their customer service is terrible. They interrupt and do n't know the answers to questions about my loan. Please put a stop to their mass calling and going after my family who has zero involvement with this loan. Thank you