23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I was talking to XXXX XXXX from PNC Bank and he ended my application process for a refinance of my home because he said that my XXXX retirement was not permanent and that he couldn't use it for income because my pension has income limitations just like Social Security has income limitations. My pension comes from the Office of Personnel Management ( OPM ) and is as permanent as my XXXX. OPM is the federal government retirement system. I have been receiving this pension since XXXX when I retired with XXXX from the XXXX. I was a XXXX XXXX for 10 years and have been retired for 16 years. I just want to be able to participate in the economy and acquire loans and it's terrible that I would be denied a loan because of my XXXX when my income is more secure than most people working out there and you have my home as collateral.
Product: Mortgage

I currently rent a duplex located at XXXX XXXX XXXX XXXX IA XXXX. The property was sold on XXXX/XXXX/2015 for {$180000.00}. The current owners used FHA financing and are not occupying the property. I know this because I 've been receiving their mail since the begging of XXXX. The mail is addressed to the current owners on record to my address which I have a lease agreement in place until XXXX. There was also {$20000.00} given by the seller back to the current owners for new windows for the property, this was given to the current owners from the proceeds of the sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my  XXXX   XXXX    XXXX   Credit Report, I found   XXXX   XXXX   as creditor that says I opened on   XXXX   XXXX   XXXX   and was closed on   XXXX   XXXX   XXXX   with last reporting on   XXXX   XXXX   XXXX   with a credit limit of {$100.00}.     I never, ever had this account, but I am wondering why this should be included in  my Credit Record.      It further shows a contact details for Creditor :  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  , OH  XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my report and i saw fraudulent activites.
Product: Checking or savings account

A check in the amount of {$34000.00} dated XX/XX/2023 from TD XXXX drawn on XXXX XXXX XXXX XXXX XXXX was sent to me. I never received this check and was informed it had been negotiated by TD Bank on XX/XX/2023. 

XXXX XXXX XXXX XXXX XXXX has taken the required steps to retrieve the funds but at this time TD Bank is no longer communicating with them and has not honored their demands that the funds be returned. I have been informed that the funds are being held in a XXXX XXXX Account as the account the check was deposited into was flagged as a fraudulent account. Also, it is quite obvious that the check had been altered. 

I have also emailed and called TD Bank and have received no response. As this is an inheritance check from my grandmother I feel that TD Bank is being negligent in handling this matter.
Product: Money transfer, virtual currency, or money service

At approximately XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I received a call from XXXX  ( Bank of America Fraud Line ) stating they declined a payment of {$2000.00} to an XXXX XXXX and were calling to verify it was not authorized by me and I said no. They asked if I am traveling etc ... After they gained my trust I was then put on hold for a bit and transferred to another man. This man said that a wire transfer for {$9000.00} was also in process and needed to quickly redirect the transfer back into my account. Within 4 minutes after the transfer my gut told me it was a scam and I called to report it to Bank of America immediately. Since then they said that they contacted XXXX XXXX to stop transaction but it may be too late. I am a victim of an authorized push scam. I also got a HELOC loan through BOA three weeks prior and believe with certainty that the scammers got my information through this loan. XXXX XXXX was the recipient bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 auto loans opened at CREDIT ACCEPTANCE CORP - XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO 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, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and collections are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

on XX/XX/2023. I booked a flight with XXXX XXXX via PayPal in 4. I later that night received an email that the flight was canceled. I immediately contacted PayPal. PayPal approved my dispute and my money was refunded by my bank. The case was never closed, and I keep getting contacted by PayPal stating I owe them money. The way the representative explained it to me is that PayPal paid for the ticket and I was responsible for paying them back. However the flight was canceled and the money was refunded by XXXX XXXX. However PayPal is stating that I still owe them, for a flight I never took, that was not cancelled on my part but by XXXX XXXX. Also XXXX XXXX refunded them. If I pay them, then they are being paid twice, by myself and XXXX XXXX. Lastly, if I still owed them money then why did they refund me {$290.00}. They would've just kept those funds, instead of refunding me to pay them back.
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, XXXX XXXX # XXXX, XXXX XXXX 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 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.
Product: Credit card

im filing this complaint against synchrony bank specifically there synchrony home charge card. about 2 years ago i became victim to identity theft were several synchrony bank accounts were open to include rooms to go. XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX sams club. amazon.XX/XX/XXXXXX/XX/XXXX. at that time i did have 3 accounts with synchrony bank car care. care credit. and a conns home plus card. when i filed my dispute with synchrony bank it was a very long process of getting these accounts i did not open corrected i was in a battle with synchrony bank as even with a police report and a identity theft affidavit they refused to believe anything i had to say i was basically a liar and a criminal. it took me 2 years of fighting with them l finally got these accounts removed but synchrony choose to close my 3 accounts i did open i believe in a form of punishment for being a victim of identity theft. my biggest issue right now is with my conns home plus account which they closed removed from the system as i cant log into it customer service cant find it and my account number brings up nothing. i finally get someone on the phone who can locate my account which ive now been marked 30 days late as im unable to pay an account no one can find. the customer service supervisor explains to me that the account was closed and a new account number was generated as i was a victim of identity theft and i was sent a new card which i was never sent as they closed my account. they have me on paperless billing to a email address that belonged to whom ever stole my identity so im not receiving anything from them what so ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. 

XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} - I think the information provided in this account is false. When it comes to the dates this account portrays, I don't think I was late. I always make my payments on time and have never been late because I keep track of them. Please check the account 's name, last activity date, and balance. This information appears to be inaccurate. Please conduct an investigation and update this account to reflect legal accuracy. 

XXXX XXXX XXXX XXXX Balance Owed : {$800.00} - You have no right to continue reporting this account on my Credit File since this account was already deleted from the other Credit Bureaus XXXX Under the Fair Credit reporting Act, Credit reporting must be accurate. I need you to stop this erroneous reporting and delete this account completely from my Credit File. 

XXXX XXXX XXXX Balance Owed : {$3600.00} - This account was already removed from the other Credit Bureaus therefore must also be deleted from your Credit File. Only if your record keeping had been accurate, this account should have already been removed from my Credit File. Under the Fair Credit Reporting Act, I need you to please remove this account from my Credit File as soon as possible. 

XXXX XXXX XXXX XXXX : {$0.00} - The following account should be on my credit report, so please give proof that this is the case and that my rights have not been suspended. If not, kindly remove this destructive info right away. 

Please send me the name and addresses of persons contacted for each ordinance found in the FCRA. If this information can not be equipped to satisfy me, get rid or update the items and maintain your help in attempting to resolve the current issue.
Product: Payday loan, title loan, or personal loan

I tried to see if there was any refinance but there is no option and interest continue to go up each time I don't pay
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I received a letter on XXXX, stating XXXX XXXX reduced my credit limit balance from {$1800.00} to {$320.00} which {$320.00} is what I owed them with utilization of 20 %. With doing this it will reduce my credit score and effect me using my credit. Stated by XXXX, " Protecting credit scores now will give people a chance to rebuild their lives and our economy. '' I had this account for over 9 years with no late payment and for a company do this in these times with our economy is very awful. I believe because the economy is going down they are closing and reducing people credit card limits. I didn't authorize this bank to check my credit and its should be illegal during these times of hardships. The reasons they stated is not true statements and should not be considered in these circumstance with our economy. 
First Statement : lack of mortgage information ; well my mortgage recently was transferred without notice from XXXX to XXXX XXXX  and its stated on my credit report. Second and third statement : too many revolving accounts with high balance compared to credit limit ; well this is the second time this has been done to me with credit card companies are reducing your credit limit plus none of my cards are maxed out and one I'm disputing. Fourth statement : not enough balance paid down over time on retail accounts ; I have been very good with paying down my retail account, please see attach credit report. This company is making up other reasons to reduce my credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I complained about EQUIFAX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  and stated that all companies are violating my rights to privacy, including transaction history, reporting inaccurate and outdated information such as old addresses, phone numbers, emails and employers. I have inquiries that I did not authorize, there was no permissible purpose. The banks have violated my consumer rights by sharing my non public information with non affiliated companies such as credit reporting agencies. ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. 
( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT # : XXXX ACCOUNT NAME : DEPT OF EDUCATION/XXXX ACCOUNT # : XXXX ACCOUNT NAME : DEPT OF EDUCATION/XXXX ACCOUNT # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX
Product: Credit card

Im going through fraud and identity theft. Someone made unathorize charges to my credit card. The Company is Chase.Its happen XX/XX/ to XX/XX/XXXXXXXX XXXX XXXXThe amount was about XXXX. The Charges was reversed back to my card. I did submit a police report about my credit card fraud and my phone was lost. I did submit documents from my phone company that my phone was reported lost. I submit my ID with my current. I was told by chase someone used my name and a address that I do not live at.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I sent dispute documents to all 3 bureaus in reference to fraudulent items that do not belong to me and should be removed on my credit reports it has been longer than 30 days and I have received no response from either of the bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have expressed to Transunion, XXXX, XXXX, and DEPT OF EDU on multiple occasions they are reporting debts that do not belong to me. I have no knowledge of these debts nor have I verified them. I haven't given ANYONE permission to report this information in my credit report. They continue to report false information without sending me any proofs that these debts exist or that they belong to me. I have requested information such as contracts and notes with my signature to confirm these debts but they refuse to provide me with them. It has been well over 30 days since I have requested this information yet they say " verified '' but have not proven that they have even investigated the matter. These debts are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fallen victim to identity theft, resulting in a violation of my rights as outlined in 15 USC 1681c-2 and 15 USC 1681b . I kindly request the immediate removal of the following account. XXXX ( XXXX XXXX XXXX ) Account Number : [ XXXX ] Date of Fraudulent Activity : XX/XX/XXXX UNAUTHORIZED INQUIRES XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion via phone and letter about the issue of a car dealership accessing my credit report without my permission. They have refused to remove inquiries from my report. The fraudulent inquiries are : XXXX XXXX XXXX XXXX XXXX As a matter of fact, representatives have lied on several occasions about the process for the removal and I received differing information from different representatives.
Product: Credit card or prepaid card

Capital one placed a 7 day hold on payments to my account. This information is not in there terms and conditions. The terms and conditions state within 24 hours. They placed a 7 day hold on the payment.
Product: Student loan

Hello, The Federal Student Aid website ( studentaid.gov ) states that, The earliest you could be required to recertify is XX/XX/XXXX. On your account " My Aid '' page, you may still see a recertification date that is earlier than XX/XX/XXXX. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. 

The problem is that the Federal Student Aid website and Mohela website ( http : //mohela.com ) both say that my recertification date is on XX/XX/XXXX. Both Federal Student Aid and Mohela keep on sending me reminders to recertify, and warn me that, if I dont recertify by that date, I will be kicked off of my income-driven repayment plan and my monthly payment will increase from {$160.00} to {$520.00}, which I most certainly can not afford. 

Ive tried to get Federal Student Aid website and Mohela to update my recertification date to XX/XX/XXXXXXXX  as it should be, but Im either hung up on when I finally get off of hold or Im simply told that they dont know what Im talking about. Ive made 6-8 attempts in the past 2 months. Your help would be greatly appreciated. 

Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

My Capital One account was closed for no reason after I tried to wire my money to my personal checking XXXX XXXX account. I am no longer able to have a banking relationship with capital one due to this. I do not understand the reason for them closing my account. They told me they closed it because they thought the wire was not me and labeled it as suspicious activity.
Product: Credit card

A man from XXXX called me claiming that someone from XXXX Texas had tried to open a charge card in my name with my social security number. It was not me he said his name was XXXX XXXX number XXXX XXXX XXXX x XXXX and I could call XXXX to verify. He knew my charge cards and the balances on the and tried to get my howl social security number he had the last four numbers. Gave me this number as a confirmation number XXXX. someone must have gotten into my credit report
Product: Debt collection

After a detailed review of my current credit report, I discovered several accounts that were fraudulently added without my knowledge.
Product: Checking or savings account

One year ago, fall XXXX, I received a letter saying that my checking account with PNC would be closed if no further action was taken. I called PNC, the customer service agent informed me that she had no idea why I received the letter, and to ignore it, the account would not be closed. 

XX/XX/XXXX I received the same letter. Given the previous my previous experience, I ignored it. XX/XX/XXXX, my checking account was closed without any additional communication. I found out my account was closed due to a failed transaction. 

I called the company and asked for more information, she said that " the company reserves the right to terminate their relationship with a customer at any time. '' They could not even provide us with a tracking number so that we know when we will receive the check in the mail for over {$13000.00} USD. I've been a 15 year customer, with no account issues or problems in the past.