23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Our old mortgage was sold to XXXX XXXX. My husband had lost his job after 11 years and I became XXXX and had to retire early from my job. We were convinced that we should do a short sale and our realtor spent tons of time speaking with XXXX XXXX at XXXX to settle our account. We finally did sell and two years later we find out they reported that our short sale is a foreclosure. This has devastated our credit and they said they will report is as foreclosure proceedings started ending in short sale, but when our credit is pulled all anyone see 's is " foreclosure ''. Please make them report this accurately, I believe it is on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file was FROZEN with TransUnion, however an unauthorized request for credit got through the FREEZE. TU confirmed the FREEZE was ACTIVE when the report was pulled. Their defense was that in certain instances ( and they went over the list with me on the phone ), certain agencies can get through. However, the company that got through the FREEZE did not fall in any of those categories and was a straight request for credit from a retailer. This is NOT supposed to happen. If it does, it would render the freezing feature useless.
Product: Credit reporting or other personal consumer reports

I have not supplied XXXX under the doctrine of estoppel by the silence engelhardt. XXXX XXXX ( mo ) XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such that, in fact, therefore exist, ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX balance {$86.00}, XXXX  XXXX balance {$2100.00}, XXXX XXXX XXXX  balance {$0.00},
Product: Credit reporting

XX/XX/XXXX-XX/XX/XXXX I found and got XXXX items off of my report that was fraud so after that I put an alert on the account to prevent anything else form happening. Well I am wanting to buy a hime but with all the inquires on my account that was not done by me, I put a freeze and am going to file a police report. I work and go to school full time. Well I did speak with all XXXX creditors but does n't seem like I am getting anywhere. I would like for all the items that I did not do to be removed when I asked and called them months ago and it still seems that there are inquires and things on my report that are getting on my report with out me even knowing on what is going on. My credit score has dropped over XXXX points. Now I ca n't get a loan and even when I pay all of my accounts on how it 's supose to do.
Product: Credit card

I had this card for a few years and always made payments on a timely manner. 

Today I called in to get a card replacement and they said i can not because the account is closed, I asked them why and they said its because of me not verifying my identity? 

I told them i have never recieved any notification requesting identity verification. They said i can not reopen any discover credit card anymore.

The agent said he does not know if this will affect my credit score? 

I can't believe they would do this to me.
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //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 Balance : {$0.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$240.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} ; US DEPT ED XXXX Balance : {$930.00} ; US DEPT ED XXXX Balance : {$1300.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

In XXXX and XXXX I set up a payment transaction from Peoples United Bank checking account as I have for years to pay for a car loan installment and to pay IRS for taxes I owed. The bank did not put both transactions through. It could have resulted in late fee and negative report to the credit bureau. The IRS payment never went through and resulted in fact that the tax I owed was not paid by the due date. This was the banks error. Could have been deliberate, nobody knows. Both companies did not receive payment that was set up online.
Product: Debt collection

London and London in XXXX, CT threatened to damage my credit and reputation. I want them disciplined. I contacted XXXX XXXX numerous times to fix this never got a call back once. These people threaten me again and I will contact the police and file charges against them.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to REMOVE the fraudulent inquiries in my report 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 inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inquiries which were being posted to my reports. Here is the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES must block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

I had my vehicle financed with XXXX XXXX XXXX. I called XXXX to see if there was a local office I could go to to payoff my loan. I was told since they are an internet company they do not have a local office I could use for this purpose. I sent funds to payoff the loan to them electronically. Per discussion with a phone representative the funds were received and were sufficient to payoff the balance of the loan. The funds were received by XXXX on XX/XX/18. I have a prospective buyer of the car so I called XXXX on XX/XX/18. I was informed the title to the vehicle will not be released until 10 - 30 days have passed. I asked if the reason for the delay was to verify funds used to payoff the car has cleared and was told no. It is just XXXX 's policy. I can not imagine a valid reason to wait a month before the title to the vehicle is released by a lender. This is an unfair practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX did not authorize, benefit from, or consent to these inquiries and these arent mine, please block and delete them immediately! Ive also submitted and identity theft report with the ftc as well and tried to resolve this with a representative on the phone about 2 weeks ago and they are still on here, now Im giving you my express written consent to block and delete these account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Credit Acceptance Corp. in XXXX Michigan for a car loan. I fall behind with the payments and they repossessed the car in XX/XX/XXXX. In XX/XX/XXXX i contact the law firm that they use to sue me and offered to pay a reduced amount of {$1000.00} dollars to settle the case. The lawyer said that they have to contact their client to see if they will accept that amount. Couple days later i contacted the law firm and they told me that the client said they will accept no less than {$1400.00} dollars to settle the account so i agreed and paid that amount the same day anyway i received information in the mail from the law firm and the court saying that the account is paid off and settle and the case against me was dismissed but Credit Acceptance Corp. havent report to the credit agencies that the account is settled. I contacted them in XX/XX/XXXX and they told me they were waiting for information from the court so i told them i received mine in XX/XX/XXXX them the lady said oh they have received the documents and they would update the information with the credit agencies no later than the XX/XX/XXXX and until now they havent.
Product: Credit card

I have a Fidelity XXXX XXXX credit card which was changed to Fidelity VISA with Elan Financial Services. The Fidelity interface automatically takes you into your credit card where you can see transactions, pay bills, etc. I set up an automatic payment for the entire balance. Some weeks later, it stated the payment had not been set up. I went back into see what was going on, and experienced problems with the interface. I set up the payment again as it did not show my automatic payment set up weeks earlier. Subsequently, my credit card was charged twice and then I was assessed a {$25.00} fee by Elan and my bank when the second payment bounced. I attempted to resolve the matter but the bank will not credit the fee and I am left with charges for something that was not caused by me. Elan made all kinds of excuses and claimed it was my fault, even though they acknowledge that there website does n't show prepayments ( Fidelity 's interface does ). So, all new customers are left hanging, and with messages like the one I received indicating no payment has been set up when it was, and then leaving the customer thinking it must be set up again. Elan also failed to transfer payments set up on the old card XXXX XXXX XXXX XXXX, but transferred the balances to the new card. So, payments were made to the old XXXX XXXX card ( for balances incurred on that card ), but the balance had been moved to the new card, so the money was taken but not applied to the right card. In short, this organization ca n't find its XXXX for its yin yang and consumers are being penalized for the mismanagement of money.
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, 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 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: Checking or savings account

On XXXX. Early in morning XXXX $ was stolen out of my chime account from XXXX XXXX from a customer. Chime is not helping me get my money back. They denied my claim. Spoke to supervisor and customer support
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX  XXXX , account # XXXX XX/XX/XXXX {$790.00} reporting charge off company will not comply with me on removing this item from my credit report after making attempts to satisfy. They are reporting to XXXX  and Equifax and this is keeping me from getting credit. 
2. Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize,. Reporting to XXXX   and Equifax. 
3.Inquiries XXXX XXXX XXXX XXXX, XX/XX/XXXX reporting to XXXX and Equifax and XXXX  I did not authorize. 
4. Inquiries : Showing on my XXXX  and Equifax XX/XX/XXXX XXXX XXXX XXXX and XXXX I did not authorize 5.Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax and XXXX. 
6. Inquiries : XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax 7.Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX  and Equifax.and XXXX 8.Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax and XXXX. 
9. Inquiries : XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax and XXXX 10. Inquiries : XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax 11. Inquiries : XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and XXXX 12. XXXX XXXX XXXX XX/XX/XXXX I did not authorize, reporting to my XXXX and Equifax
Product: Debt collection

Unfair or deceptive acts by businesses : PNC bank gave me a PPP loan around XX/XX/XXXX, after requesting for and reviewing all the loan application documents they wanted from me.. The gave me a loan of {$100000.00}, which was supposed to be forgiven if it was used for the intended purposes. I used the loan for its intended purposes. In XXXX XXXX, they informed me that based on those very same documents with which they had approved the loan, they now felt they had given me too much money and demanded I pay back over {$11000.00}. They stated they would only forgive about {$88000.00} and not the full {$100000.00} as I had been led to believe. At first, I thought that they had made a error in calculating the appropriate loan amount, but now I do not believe that. How could it be error? They had all the supporting documents and sufficient time to make a determination on how much of a loan to give to customers like me. 

Business conduct that causes or is likely to cause injury to consumers : this conduct by PNC bank has hurt my business because I now have to find over {$11000.00} to pay back a loan which, as I have stated to them multiple times, I should not, and do not owe. 

Business conduct that will mislead or is likely to mislead consumers : PNC bank is misleading customers like me for their own financial again. They knew very well exactly what amount of XXXX loan I was entitled to, based on the documents that they had me send in to them. They were well able to calculate the proper loan amount. Yet, they gave me a loan o {$100000.00}, and then a year later, told me that they should have given me only around {$88000.00} based on those same documents that I had submitted to them. They have done this so that I will be forced to repay a portion of the loan with interest to PNC bank, and the interest constitutes monetary gain to PNC bank. So, they have pulled a bait and switch- given me more loan than they feel I am qualified for, with the goal of collecting interest in the unforgiven portion on the loan, and with the intent of profiting the bank by so doing. This is unethical.
Product: Credit reporting or other personal consumer reports

A letter was sent on XXXX XXXX to XXXX XXXX CEO XXXX XXXX XXXX in order to notify XXXX XXXX that I formally exercise my rights under the Family Educational Rights and Privacy Act ( FERPA ) of 1974, the Privacy Act of 1974, 12 CFR 1016 ( Regulation P ), and 15 U.S.C. 1681 ( Fair Credit Reporting Act ) to opt out of the disclosure and furnishing of my nonpublic personal and educational information, including my transaction history, to nonaffiliated third parties. 

On XX/XX/XXXX I sent letters to the inform XXXX CEO XXXX XXXX, XXXX CEO XXXX XXXX XXXX and Transunion CFO XXXX XXXX XXXX. All of whom are responsible for signing off on the SEC XXXX form of each of there respective companies and have signed under oath to uphold the integrity of the Securities Exchange act of 1934 have been notified in regards to a formal notice of multiple violations of the Fair Credit Reporting Act ( FCRA ), Family Educational Rights and Privacy Act ( FERPA ) of 1974, the Privacy Act of 1974, and other federal regulations regarding the reporting of certain accounts and inquiries on my credit report. I am yet to see any of the updates be made as per requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach, whole family affected including our children. Replacement cards, freezing accounts, constant credit monitoring to protect our credit that costs us with no reimbursement from equifax and will affect us for a long time. Equifax did n't notify us right away and waited until the media found out. This has caused anxiety and equifax has not provided any support.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS NOT MINE, ALL OF THE INFO IS INCORRECT, NOT SURE WHERE TRANS UNION GOT THIS FROM BUT IT'S NOT MINE!!! THERE ARE CLEAR ERRORS HERE THAT WERE NOT CORRECTED THE FIRST TIME I DISPUTED THIS. SEE ALL ATTACHED, YOU NEED TO REMOVE THIS ASAP! THIS WAS MADE UP BY YOU AND NOT THE FIRST TIME IT'S HAPPENED!
Product: Bank account or service

I recall seeing statements from Wells Fargo but I never recall opening an account with them
Product: Credit reporting, credit repair services, or other personal consumer reports

Experians process of blocking and deleting information on my consumer report that is a result of identity theft is in direct violation of the law. It states in 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit card or prepaid card

On XX/XX/2019 I purchased an engagement ring from XXXX XXXX in the amount of {$2000.00}. 
I specifically chose this jeweler because of the 12 months same as cash promotion I qualified for. The financing is being serviced by Comenity. 
When I received my second statement, there are interest charges on the statement in the amount of {$40.00}. 
I contacted Comenity in writing as specified on the statement if you had a fee or finance question. 
I explained in my email via their web site that this was incorrect, I was on a 12 months same as cash promotion. Comenity responded by advising they were sorry if I was confused, but they had no promotional information and then they went on to tell me how interest charges are calculated. 
I contacted XXXX XXXX where I purchased the ring and their response was to try calling Comenity and talking to them???? 
I have paperwork showing the 12 months same as cash along with the monthly payment that I would need to make in order to payoff in the 12 months that the sales manager calculated for me in the store. 
Neither business is addressing the problem. 
I feel like this was a total bait and switch scam and that I have been deceived. 
I have asked for management return calls from both companies and have yet to receive anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent and should be removed immediately. Please refer to attachments. 

Thank you!