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

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of inquiry XX/XX/2022, XXXX XXXX Date of inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX  Date of Inquiry XX/XX/2022 & XXXX  Date of Inquiry XX/XX/2022
Product: Debt collection

I have called them over 10 times to find out what the debt is about. No return calls. Went on the website and sent 3 emails. No return email. I ended up going to see them and asked if they could provide any documentation so I could research the debt. All they could tell me is that it was a medical debt in excess of {$200.00}. They also said it was in 2015. I called XXXX ( my previous insurance company ) and they  could n't give me any medial bill for {$200.00}. 

I went back in the office again and asked for more information again as I believe the debt was paid in full. They refused to give me anything other than an extension to try and dig up my bank statements. I tried to explain I do n't even know what I 'm looking for or who it was paid to. 

Now they are suing me for this. I believe this is total extortion and I well be in court for it. They need to legally provide me documentarian so I can research and defend my case. This company makes it hard so that they can take you to court and double or triple the fees.
Product: Credit reporting or other personal consumer reports

I want these accounts to be removed from my credit report because they are not mine and they are hurting me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Good evening, I received an alert from XXXX  that on XX/XX/2021 a PNC Bank account was opened using my SSN. I never opened an account with this financial institution. I immediately contacted XXXX XXXX  XXXX alert team to let them know of the identity theft/criminal activity. I also contacted the local police to file a report. On XX/XX/2021 I went to the local PNC Bank in XXXX, MD to report the fraudulent activity. I spoke with the lady at the customer service desk and told her the issue. I specifically told her that I wanted to speak with the branch manager. I was first approached by a representative who was not the branch manager. I then was met with another representative who said that she was the branch manager. I accompanied the branch manager to her office. I shared with her the serious offense and showed her the XXXX screenshots of the fraudulent activity. She asked me to put in my SSN and said that she did not see anything. I again explained to her the facts and added I have a lot of questions. Before I asked my first question, her phone rings and she begins to talk with another customer while I am sitting in her office. More than a minute goes by and she is still talking on the phone with this customer. I was so displeased by her lack of professionalism, lack of security/privacy act protocols, dismissive attitude, and sheer disrespect that I began to gather my things and proceed to leave her office. As I got up, the branch manager stops talking with the customer on the phone and asks me if I was okay. I responded that I am not okay and left. The branch manager did not answer my questions or provide me with an identity theft affidavit or anything regarding the fraudulent/criminal activity. The way she treated me was deplorable. As an honorably retired and permanently XXXX military veteran, I am extremely shocked by the XXXX PNC Bank branch manager 's action towards me and to the other customer whom she held a phone conversation with while in my presence. I request that PNC Headquarters address the unresolved criminal activity regarding the theft of my identity, address the branch manager 's unprofessional/disrespectful/dismissive treatment towards me and my fraudulent activity complaint, and address how the branch manager violated security and privacy concerns while having a phone conversation with another customer while in my presence. I will standby for further instructions to provide additional information ( PNC Bank Branch manager name, PNC Bank Customer Service name, XXXX screenshot of fraudulent activity, police report, etc. )
Product: Debt collection

I have received 16 calls in 3 weeks attempting to collect a debt for someone who does not live at my home. I have told the caller to stop calling but they continue. The calls come from XXXX XXXX, XXXX XXXX, and XXXX XXXX. They are very rude. I can not help them but they persist.
Product: Credit reporting or other personal consumer reports

Experian did not do a thorough investigation on disputing unknown accounts and removing the medical debt from my credit profile as medical bills has been prohibited from appearing on consumers credit reports experian verified the dispute as accurate within XXXX hour without taking initiative. 

The medical debt account number is XXXX XXXX ( Original Creditor- XXXX XXXXXXXX XXXX  ) account number starting with XXXX balance of {$620.00}, Experian allowed this negative tradeline to be updated on XXXX XXXX after the ban on XXXX XXXX. 

Experian did not also do a thorough dispute on an unknown account with XXXX XXXX XXXX Account XXXX XXXX ; in which I requested a thorough signature and ID to prove this tradeline belong to me, and Experian failed to do so, instead my dispute was pushed through XXXX  and not thoroughly verified & remained on my credit report
Product: Mortgage

Issue XXXX XXXX I had requested a delay in my escrow analysis due to my previous loan holder ( XXXX ) had run it in XX/XX/XXXX and with the negative escrow balance i had a XXXX month repayment set up. Newrez ran it in XXXX of XXXX instead of XX/XX/XXXX which would have been the full year since the last escrow analysis ran and would have had made my shortage to be less than it was with them. 

Issue XXXX Pmi removal request either XXXX or XXXX of XXXX. Checked was chased XXXX never contacted me in timely manner for assessment Spoke with supervisor who said because of their mistake they were going to go ahead and refund the XXXX i paid for the bpo, remove my pmi, and refun me the previous moths i had paid pmi. I was then informed this person was incorrect and this delayed. my pmi removal for another 6 months. I put in a request to be refunded those XXXX previous months due to this error in XXXX. I have not been contracted back still. I put in another escalation request as of today. This money could have been put back into my escrow before this years current analysis and would have reduced my deficit. Instead my payment has now gone up again. 

Both issues have directly resulted in having to pay more monthly than I should have. I also submitted to Newrez my complaint letter to XXXX with all the errors XXXX made than also negatively impacted my escrow balance ( XXXX is no longer in business is my understanding ) Newrez chose to ignore that letter as well to try and reconcile those mistakes. 

Newrez is completely aware of all the calls I have made in the past year and a half, the escalations i have requested, and the errors they made in this process. Their responses have been there is nothing we can do about it. They continue to change their policies which again is negatively impacting the consumer. It would be great to have some accountability form the loan providers. 

I have attached the complaint as well i submitted to Newrez that documents the issues I had with XXXX
Product: Mortgage

COVID-19 impacted me as many millions of Americans ; I was struggling to make payments because of COVID-19. By XXXX, XXXX was my bank, and I was told that a forbearance would help delay my payments during the pandemic and that, in the end, I would get help with the unpaid amount, like some government assistance. Somehow, XXXX transferred my mortgage to Carrington Mortgage Services LLC, which started to change everything, after six months of the forbearance, I started to receive pression from Carrington, and via phone call, a representative told me that I will get another six months of forbearance, which I agreed and completed all their requirements via the same phone call. When the six-month grace expired, I called Carrington back to see what my option was, and to my surprise, I was informed that another six months of forbearance was available for my case. So, after this third forbearance option, I called Carrington again, and I was told that my only option was to refinance the mortgage. Since the beginning, I have been told that the forbearance amount will be carried out to the end of the mortgage and that assistance will be provided. Hence, I agreed to refinance my mortgage, but only for the forbearance amount of around $ XXXX. The package with the information received was not what we discussed in that last call, so I called back and informed a representative that I would not sign because it was different from what we discussed. I received a complete mortgage modification, which refinanced the whole mortgage for 30 more years and put the amount due ( forbearance ) at the end of the mortgage for ten more years. I called to refuse this proposal, but I was pressured and threatened by a Carringtons representative who told me that refinancing is my only option or to pay the whole amount due ( $ XXXX ). 
I had no other option than to sign the mortgage refinancing package with fear of losing my home. But a couple of months ago I realized that there was more than one option for me to get help from that forbearance assistance when I called to make a payment a representative told me to contact the Housing & Urban Development ( HUD ) department and to my surprise HUD told me that the application period closed XX/XX/XXXX. 
Carrington not only threatened and pressured me to their advantage but did not provide me with the information to get the assistance I needed and deserved. Now, I decided to go ahead and submit this request because I do not trust Carrington anymore. Because of their lack of assistance, I am even deeper into my mortgage and owe more money, which takes longer. The pandemic was used in Carrington benefits by threatening customers and denying them the assistance they should.
Product: Credit card or prepaid card

I shopped at Nordstrom rack on XX/XX/XXXX, and they asked if I wanted to use my CC on file that I had opened and never used in XXXX. They said I would receive a Nordstrom note. I agreed, and let them know that I did not have a card ; they said they would send a replacement and my statement. The alternative and comments were never received. 

I then left the country for the holidays in XXXX, while gone I did receive a statement, and I paid the amount in full the moment I arrived back home. Since then, I was reporting late the three credit reporting agencies, and it has lowered my score 80 points. 

I called Nordstrom Card Services and told them my erroneous circumstances, and they agreed to waive the late fees, but not report the errors to the credit reporting agencies. I asked for a letter stating that they rejected the charges, and they refused and told me I have to wait for my statement, which I will not receive in the mail until XX/XX/XXXX. 

I feel like there was an error with mailing my original card and statement and that they are unreasonable to remedy the issue. This is directly impacting my life and creating unnecessary hardships as I am in the process of refining my mortgage so that I can take money out and get a new furnace and water heater. Please help. 

I also asked to open a case with the executive resolution team so that I could submit my proof, and they were not willing. 

There address is as follows : Nordstrom Card Services XXXX XXXX XXXX XXXX CO XXXX Additionally, I asked for my account number/card number since I never received the card, and they said they could not provide over the phone. They did submit a replacement card, but that will take 7-10 business days. That is the reason, and I can not contain my account number with this complaint. I also have documents proving I was out of the country and can provide bank statements showing that I could pay the fee, and I did, pay in full, so there is a XXXX balance on the account. The reason I could not pay was due to not receiving the statement and then leaving out of the country. Please ask if you need those documents. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I filed my first dispute letter in XX/XX/2023 with all XXXX bureaus, CFPB and FCRA 2nd dispute in XXXX with XXXX XXXX XXXXXXXX XXXX my personal information was exposed by the credit bureau in the past a complete violation of my privacy and rights several of the accounts are reporting need to be deleted a few of them are older then XXXX XXXX XXXX need to be deleted also in accordance to the fair credit reporting act I have a right to privacy a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 602 A ( 602 A section 2 ) 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 7 years
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I mailed out the letter to XXXX to dispute the chapter XXXX bankruptcy off my credit report that was put on in correctly. I wrote a letter to the XXXX XXXX Bankruptcy court XXXX XXXX of Texas asking how the court provides information to 3rd part agencies regarding credit reports. They sent a letter back stating they do not send any information regarding my bankruptcy. I also have placed a XXXX XXXX   freeze on my credit file I received an email on XX/XX/2019 that it would take place in 3 days. I also received a letter stating that the freeze was on my file. I will include all these letter in this as well. I have mailed all this to XXXX  and to TransUnion. 
XXXX came back that they have verified with a third party reporting agency XXXX XXXX that the Bankruptcy was correct. There is no way they could have done that when there is a freeze on my account. Also TransUnion has come back that the bankruptcy is a true account. I have include the letters that have sent back to me as well. I have done this same process with XXXX and they have deleted it from my credit file.
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 XXXXXXXX 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 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 XXXX XXXX XXXX Account number XXXX. XXXX XXXX XXXX Account numbers, XXXX. XXXX XXXX XXXX Account number, XXXX. XXXX XXXX XXXX XXXX Account Number, XXXX, has violated my rights. 
15 U.S.C 1681 Section 602A. States i have the right to privacy.

15 U.S.C 1681 Section 604A. Section 2 also states a consumer reporting agency can not furnish an account without my 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 info, Any other adverse item of info, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any info 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 reporting or other personal consumer reports

XXXX XXXX is my XXXX  XXXX  he opened the loan in my name and forged my signature on the loan documents. On the date in question I went to the dealership with them to see if I could assist with the purchase of a car. The dealer took a copy of my license for the credit check, there was nothing there they could afford with the money they had. I left the dealership since I drove my own car there I was no longer needed due to them not getting a car. In XXXX of XXXX  I moved to XXXX  when I went to try and purchase a car since I left the one I had to my son for school It was brought to my attention from the dealership I couldn't get approved for another car loan? I was confused because my other car was fully paid off. When checking my credit report I saw the loan from XXXX XXXX. I contacted them requested the documents from the loan and saw that XXXX initiated this loan and signed my signature. I confronted him and my daughter and she denied it. I filed a police report with XXXX XXXX in XXXX  and an investigation was started. XXXX is now XXXX  long term and the car is no where to be found my daughter states she doesn't know where it is. I need this vehicle off my credit report it has affected me significantly.
Product: Credit reporting or other personal consumer reports

Per my settlement arrangement for the above stated account, negotiated on my behalf by XXXX XXXX XXXX on XX/XX/XXXX, the settlement amount ( {$4900.00} ) was paid in full on XX/XX/XXXX. I have enclosed the supporting documentation, to include the agreement letter, payment ledgers. 
I request that you immediately update my credit file with all three bureaus to indicate the account has been paid as agreed upon and indicate there is no past due balance. As of XX/XX/XXXX, you are erroneously reporting a past due amount of {$5300.00}, and have not reported the XXXX payments of {$410.00}. 

Attached payment ledger has payments sent to XXXX highlighted. 

I have filed multiple disputes with credit bureaus and provided documentation. No results from filing disputes.
Product: Credit card or prepaid card

MADE ORDER ON XX/XX/2020 - 2 CHARGES, ONE FOR {$6.00} AND ONE FOR {$6.00}. ON XX/XX/2020, I EMAILED THE MERCHANT AND CANCELLED THE PURCHASE, CANCELLATION # XXXX RESPONDED BY TELLING ME MY ACCOUNT WAS CLOSED AND I WOULD NO LONGER RECEIVED ANYTHING NOR WOULD I BE BILLED ANY FURTHER, THEN ON XXXX XXXX NOTICED AN UNAUTHORIZED CHARGE IN THE AMOUNT OF {$91.00} CALLED CAPITAL ONE IMMEDIATELY TO DISPUTE. XX/XX/2020 - NOTCIED ANOTHER CHARGE FROM SAME MERCHANT IN THE AMOUNT OF {$91.00}, CALLED CAPITAL ONE AND DISPUTED CHARGES. XX/XX/2020, AFTER HEARING VIA EMAIL FROM CAPITAL ONE THAT MY DISPUTES WERE BOTH DENIED I CALLED ON XX/XX/2020 AND THE REP I TALKED TO SAID THAT SHE WAS GOING TO MOVE MY CASE TO ESCULATION, I WAITED AND NEVER HEARD BACK FROM ANYONE WITH CAPITAL ONE, SO I CALLED AGAIN ON XX/XX/2020 AND TALKED TO XXXX WHO PUT ME ON HOLD TO TALK WITH HER SUPERVISOR AND CAME BACK TO TELL ME THAT MY CASE WAS NEVER ORGINALLY PUT INTO ESCULATION AND THAT SHE WOULD BE DOING THIS THAT DAY. THE SUPERVISER SHE TALKED TO HOWEVER TOLD HER THAT THE PAPERWORK THE MERCHANT SENT THEM SHOWED THAT I NEVER CANCELLED THE ORDER UNTIL XX/XX/2020 WHICH IS NOT TRUE. THE PAPERWORK I HAVE SHOWS THAT I CANCELLED ON XX/XX/2020. THE PAPERWORK WAS DATED XX/XX/2020 AND I THINK THIS IS WHY THEY ARE TRYING TO SAY THAT I NEVER CANCELLED UNTIL XX/XX/2020 WHICH IS AN UNTRUE STATEMNT. 
CAPITAL ONE HAS DENIED MY DISPUTE AGAIN ON XX/XX/2020 THEY STATED THAT THEY DID NOT FIND ANY ERRORS. I FIND THAT HARD TO BELIEVE BECAUSE IN THE PAPERWORK I HAVE ON PAGE 3 IT SHOWS THAT I CANCELLED ON XX/XX/2020 AND THE MERCHANT STATED I WOULD NOT BE BILLED ANYTHING FURTHER. IT CLEARLY SHOWS THAT I WAS BILLED AGAIN TWICE AFTER THEY ALREADY AGREED NOT TO BILL ME FURTHER. CAPITAL ONE IS STILL DENYING MY DISPUTE. 
THE CLAIM NUMBER FOR EACH IS AS FOLLOWS : XXXX {$85.00} AND THE OTHER ONE IS CLAIM # XXXX {$91.00}. THE ONLY CHARGE I SHOULD HAVE BEEN CHARGED BY THIS COMPANY ARE THE 2 I AGREED TO 1 FOR XXXX AND THE OTHER WAS FOR XXXX ON XX/XX/2020 ALL OTHER CHARGES WERE NOT AUTHORIZED BY ME AND I HAVE TOLD THIS TO CAPITAL ONE. 
IM VERY FRUSTRATED AT THIS POINT BECAUSE THIS IS XXXX TAKEN FROM ME AND DURING THIS PANDEMIC THIS IS MONEY THAT I NEED TO LIVE OFF OF AND CAPITAL ONE WILL NOT CARE.
Product: Checking or savings account

On XX/XX/24 I opened a new online checking account with Citi Bank. I transferred {$1500.00} to the account on XX/XX/24. A few days later my account was flagged for fraud and I have now been denied access to my funds. 

Since this issue happened I have realized that the Citi bank XXXX XXXX has been sending me letters to the wrong address. They refuse to help me change my address in order to receive my letter with a code in order to unlock my account. 

It is now XX/XX/24 and there is no assistance for me whatsoever. This is a serious emergency as I live check to check.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below had violated my federally protected consumer rights and privacy and confidentiality under 15 USC 1681. 
I told Experian, XXXX, and XXXX to reinvestigate theses Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : Its 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 information any other adverse item of information, other than records of convictions of crimes which which antedates the report by more than seven years.

15 U. S. C 1681 ( A ) ( 1 ) a person shall no 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. Also they aren't even in compliance with metro credit reporting. I have Evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I noticed unauthorized items on my credit report. I contacted all XXXX  credit reporting agencies who have not been able to assist in removing the negative items being reported without permissible purpose. ( 15 USC 1681b ) They are furnishing information which were not initiated by me, hence reporting false information ( 15 USC 1681b ( c ) ( 1 ) ( a ) ( b ) ( 1 ) ( 3 ) have not given any written instruction to anyone to put on my consumer report. My right to privacy is being ignored by XXXX, XXXX, Transunion and creditors. These false consumer reports has affected me adversely and I feel as if my character is being defamed.