23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have had a line of credit ( Mortgage ) with Pnc Bank for over 20 years. My credit score is XXXX to XXXX, They denied the loan or refinance. The loan is due XXXX XXXX for XXXX. We tried to refinance and sent them all the information required and requested. They turned me down. Then ask me to apply for loan modification. This has been going on since last XX/XX/2020. The analyst keep asking for the same thing over and over we keep sending but some of the information requested has been XXXX XXXX XXXX 's for businesses that I am a stockholder in ( sent the K-1 but they still keep asking for a XXXX XXXX  XXXX Request for information on some business that have been closed for 13 years. A home he does not own. They have tax returns income verification of every kind. There is plenty of money to pay a mortgage. 
I have no idea what is going on but it seems unfair and deceptive in every way. 
I have enough money to pay the mortgage just need an extension they are threatening us with foreclosure. This needs to be investigated because something else if going on. I have lost sleep for a year we are getting the run around here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to this dealership with my father when he was shopping for a car in 2014. He had some health issues which caused him to pay some of his bills late. It affected his credit of course so the salesperson told him that if i signed on to the loan it would help him get the car. I was told it would not affect my credit because it was only a bank reference. I wasn't sure what that meant exactly but if it wasn't going to affect my credit i was okay with it. A couple of years later i was attempting to sign up for a XXXX account and i was told that it couldn't be done because I had a repossession on my credit report. I called my father who i hadn't spoke to for about 18 months and he told me that his health issues caused the car to get repossessed. I called the dealership to ask why i had this information on my credit and was told that I was put on as a co-signer and it wasn't their problem anymore. I explained what was said to me at the time about it just being a bank reference and they said that, that salesperson didn't work there anymore. I was told to call the finance company if I had a complaint to make. I called the original finance company and they said they sold the debt to the company that holds it now. I tried to come to some agreement with this debt collector but I failed. I don't know what else to do about this.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall 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 : Account Name : XXXX XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XXXXXXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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: Credit card or prepaid card

I have received a card to activate an they won't let me do to account verification an I have already been to ssa office said I had to resolve with direct express my last months benefits is on it an need it to pay bills I have sent multiple emails of id verification they send card an now they won't validate my account
Product: Checking or savings account

This complaint is against Capital One Bank. I have been a customer since XXXX. I was approved for a loan from SBA for {$20000.00} dollars that was deposited into my account. This is a legitimate loan, with no issues on my application per the loan company. I have to start paying it back in XX/XX/XXXX. XXXX bank is threatening to closed my account and return the money to SBA saying they are still investigating while threatening to close my account I have other deposits in that account, my unemployment benefits. There is no fraudulent information listed on my application and no fraudulent activity has been performed on my bank account. They are refusing to give me my money. Please forward this complaint. Thank you
Product: Checking or savings account

I tried to make an online purchase on XX/XX/XXXX in the XXXX and it never went through. After calling the JP Morgan Chase, they informed me that my account was put on restriction. I called the next day, XX/XX/XXXX ; and was told that Chase has decided to cancel their relationship with me. They never told me this was happening, nor did anyone tell me why this happened, just that it happened. They also wouldnt provide a contact number, email or name of any supervisor that could give answer my question. Everyone told me that this was their policy. 

I called Chase several times in an attempt to get an answer to how this happened, but all I was told was that Chase has the right to tell me or not to tell me. That and when I tried to get the cash out of my account, they refused to let me cash out. They are holding my cash and putting me in an impossible spot where I cant put gas in my car or anything. 

With everyone on online banking these days, and banks being able to, according to the lack of information provided, seemingly randomly canceling peoples accounts and holding their money from withdrawal, this puts people in bad spots. When I go to another bank what will keep me from doing whatever I did previously again? If I knew why this happened, I can fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I wanted to contact you all because I went to my bank to get a loan to help my brother by and get a car and they told me that I was not able to cosign for him. I don't know why I wouldn't and plus I have been with my bank for years since I was XXXX. My mom told me to look at my credit and there is some stuff on there that isn't mine XXXX XXXX XXXX XXXX XXXX , DPT ED/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there Is an account that don't even have a name but it's an account number XXXX. My mom told me to get in touch with police and FTC, I did both.
Product: Money transfer, virtual currency, or money service

I've received an email today with a PDF Invoice stating that a certain amount over {$500.00} for a transaction through. Didn't say what it was for. There's a telephone number listed on the invoice. I'd called the number and it said that it was a cellular number and that it was not available bitcoin.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediatelyXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a XXXX XXXX XXXX XXXX cc that was included in my Bankruptcy Ref # XXXX the charged off debt was sold to Hunt & Kahn I had a XXXX XXXX XXXX XXXX cc that was included in my Bankruptcy Ref # XXXX AND DISCHARGED. Yet this one specific charged off debt was sold to debt collectors, Hunt & Kahn , P.A . representing XXXX XXXX XXXX, a well known debt buyer. I have REPEATED responded to Hunt & Kahn 's aggressive collection attempts by advising them that this collection amount was discharged in my Bankruptcy from  XX/XX/2011. They have also erroneously increased the amount that was discharged by 40 % and now are garnishing my wages to recover the discharged amount - which was also overinflated from the original discharged amount. The Institution Information : U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ( XXXX ) XXXX Overview Bankruptcy Reference Number # XXXX Date Filed : Reported on XX/XX/2011 XXXX
Product: Credit card

I was delinquent on a Citibank Credit Card. The account was passed onto a collection agency. The collection agency and I agreed to a settlement but asked me to make minimum payments until I was able to come up with the lump sum. I asked if payments would be credited and counted towards settlement and collector said yes. My employer sent in a XXXX payment for me XX/XX/XXXX. Citi cashed the check but then put a hold on crediting my account. Thus making the account appear unpaid per the agreement with debt collector. 
Several WEEKS went by and the account was returned to Citibank. I received a bill dated XX/XX/2016. I was asked to pay entire amount. I called CITIBANK spoke with an agent and asked if i should make a minimum payment? I was told NO. Wait until we finalize our review of the {$300.00} Payment ( THAT WAS ALREADY CASHED MIND YOU ) sent in XX/XX/2016. I called in a week later to check the status on the {$300.00} payment and to see if I could finalize the already agreed upon Settlement {$3900.00} minus the two payments totaling {$500.00} ( which I was told by XXXX XXXX XXXX ) it was approved by their client CITIBANK. I was told to call back again. I called back two weeks later only to find out that the account had been CHARGED OFF and was now reflecting so on my Credit Reports. 
My credit has taken an enormous Credit Score hit and I am now having difficulty leasing a vehicle. If I am approved, I will be required to pay at a much higher interest rate along with a large down payment that otherwise, would not have been required. I would like CFPB to send a dispute letter to Citibank and simply ask them to review ALL recordings. I wou ld also like the CHARGE OFF removed from my credit while honoring the settlement agreement I had in place with the collection agency that CITIBANK assigned to the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I booked a trip with XXXX and used Affirm to finance. Before taking the trip I canceled the trip with the travel insurance I purchased through XXXX. I have email confirmation. I submitted the information to Affirm and they opened a dispute in XX/XX/2021. I tried to have the account removed from my XXXX credit report but Affirm is saying the account is accurate and will not remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2022 I received credit alerts from various credit websites advising me that my score dropped with TransUnion. I was stunned because I was waiting for an update to see my scores incresing because I paid down my credit cards this month in an attempt to boost my scores so that I can sell my current home and purchase a new single story as my spouse is XXXX and XXXX and we need a single story home for their safety. I have had concerns over why my scores have plummeted recently since I have no late payments and all collections have been paid in full for months. I recently reported TransUnion for not updating my credit report after I sent them a copy of my personal fraud report from the FTC. So, in an attempt to try and find out what was happening to my credit I checked XXXX XXXX, TransUnion, and my credit union  and could not believe it when I discovered my credit score dropped a whopping XXXX points! With NO CHANGES to my credit report ( see attached ). Am I being victimized by TransUnion or is this a horrible mistake? My credit is good and I am beyond upset that this is happening to me.
Product: Money transfers

My XXXX husband my a Chase XXXX transfer from his Chase account to my Chase account for {$550.00}, on XXXX/XXXX/2015. On XXXX/XXXX/2015 I did not see the money in my Chase account. When I inquired to Chase, they said it was accepted into a XXXX XXXX account ending in XXXX, via XXXX. I checked my personal XXXX XXXX account, it did not end in XXXX and the money was not there. I called XXXX, they said they only act as a clearing house for money transfers and that it 's a Chase issue. Chase says it 's a XXXX XXXX issue and XXXX XXXX does not find the money anywhere and says it 's a Chase issue. NO ONE IS HELPING ME!! I have a " transaction number '' yet it seems to be worthless. WHO CAN I GO TO FOR HELP TO RETURN OUR {$550.00}?
Product: Credit reporting or other personal consumer reports

I have mailed multiple letters up to 120 days ago to Rent Recovery Solutions XXXX XXXX  XXXX XXXX XXXX, XXXX GA, XXXX requesting the following information from them : A letter including the following : Validation of the account Inform the business where the account was opened that the debt is the result of identity theft. 
Stop collection activities against me. 
Stop reporting information about the debt to credit reporting agencies. 
If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft. 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). As you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked to have for the Bankruptcy to be removed from my credit report. It's going on 10 years that this has been on my credit file. I have not been able to get any new credit due to this still being on my credit report. 

XXXX XXXX in the amount of {$1300.00}, {$520.00}, {$160.00} is reporting on my credit report and I have medicaid. They are reporting incorrect information on my credit file. 

XXXX is reporting an account that does not belong to me. It was deleted and readded from another company ( XXXX ). 

XXXX XXXX. in the amount of {$770.00} needs to be removed from my credit file. I do not owe them anything.
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Bank # XXXX, Account name : 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

I am a XXXX  enrolled in XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, ON XX/XX/2024, I was talking to the collections department of this college about previous balances that I owed, the representative explained that there was a payment plan in place for me to make monthly payments which would begin at the beginning of XXXX, I agreed to the payment plan and gave the representative my cash app debit card number upon the agreement of monthly payments around {$200.00} a month. I later found out that my debit card was charged for the entire balance which is XXXX on XX/XX/XXXX XXXX. I called the school about that charge and they told me it was nothing that they could do because it was paid towards my balance even though I explained the initial agreement of the monthly payments for {$200.00}. I disputed that charge on XXXX XXXX as an unauthorized charged because I did not authorize that charge. On XX/XX/2024, I received a call from the college stating that the charge was filed as a unauthorized charge and that they will be returning the funds and replacing the balance of XXXX back to my student account. On XX/XX/2024 I received an email from cash app stating that my claim was denied. I then called cash app and asked why was the claimed denied, when the school said that they reversed that transaction and put the charges back on my student account for entire amount of XXXX. Seems unfair and predatorily wrong on cash apps behalf. if the funds were returned then that is my money how can my claim be denied if the money was returned. I have been using cash app for a long time, and they didnt even try to help me solve this matter any other bank would have went above and beyond to help a loyal customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed some unauthorized inquiries and fraudulent accounts on my credit report. I then contacted the authorities and made an identity theft report. After that, I sent a letter with my identity theft report and 3 forms of identification to EQUIFAX on XX/XX/2021, explaining that there were fraudulent accounts and unauthorized inquiries on my credit report and I requested that it be removed by law. I still havent gotten a response from XXXX and it has been over 30 days. 

Below I have attached the identity theft report and 3 forms of identification and the letter i sent over 30 days ago to XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, DE XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Request for Method of Verification and Continued Dispute of Charge-Off Account # XXXX To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # [ Account Number ]. I previously sent a dispute letter requesting the removal of this charge-off based on the 1099-C form I received, which indicates that the debt was canceled. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 6 ), I am entitled to know the method you used to verify the accuracy of this charge-off. Specifically, I request : 1. The method used to verify the accuracy of this charge-off. 
2. The name and contact information of the person or entity that provided the verification. 
3. Copies of any documents or records used in the reinvestigation process. 
The FCRA 611 ( a ) ( 1 ) requires you to conduct a reasonable reinvestigation of the disputed information. Since I have provided evidence that the debt was canceled, the charge-off should not be reported. If the information can not be verified, it must be deleted from my credit report as per FCRA 611 ( a ) ( 5 ) ( A ). 
Please provide me with the requested information and update my credit report accordingly. I expect a response within the 30-day period allowed by law. 

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

I didnt give them permission to share my personal information nor did I authorize them to have my information on display. They have had several security breaches as to where my information was taken and still havent compensated me for and I have yet to receive the {$8000.00} I requested from them. All the old information and incorrect information for me would need to be taken from there data systems immediately. They keep taking stuff off and putting it back on and has violated my rights.
Product: Mortgage

Case # XXXX Loan # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX I filed my first complaint on XXXX XXXX, 2016 Response was received with letter dated XXXX XXXX, 2016 What happened from then? 

In XXXX XXXX, 2016 we had a 6 hour mediation at ours attorney 's office in XXXX XXXX, Florida. After a long negotiation of the key terms of Carrington 's last Trial Modification Agreement dated XXXX/XXXX/16, we concluded with little progress. Carrington 's attorney recommended that we contact their internal office FMR to seek some assistance and direction. Advise that our attorney followed with a few telephone conversations. 
A few weeks ago, Carrington 's attorney contacted us with the question, - " Are you in a position to come up with a Good Faith PAyment of {$120000.00}? '' We viewed this communication as a positive and agreed to it. A few days ago we received their latest offer for a Trial Modification Agreement dated XXXX/XXXX/16. 
With a sense of disbelieve we notice that the new offer had the following changes from the terms negotiated so hard during the face to face mediation : - The XXXX trial monthly payments went up from {$8700.00} to {$9400.00} - The Principal Balance went up from {>= $1,000,000} to {>= $1,000,000} Yes, the Good Faith Payment was {$120000.00} as per recent emails. 

Incredibly insulting with total lack of respect following a sincere and honest mediation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, This Creditor has violated my rights. Under 15 USC 1681 sec 602 states : I have the right to privacy. 15 USC 1681 sec 604 ( a ) sec 2 states : A consumer reporting agency can not furnish an account without my written instructions. Furthermore, 15 USC 1666 ( b ) states : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were opened up fraudulently and I'm demanding the immediate removal of these unauthorized and unknown accounts, please remove and block the following 1. XXXX   {$4700.00} 2. XXXX XXXX {$0.00} 3. XXXX XXXX {$560.00}
Product: Credit card

Reached out to the company XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Can not settle the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau took more than 30 days to respond to my dispute letter. I am a victim of identity theft and I did not authorize XXXX XXXX XXXX and XXXX XXXX XXXX accounts to be opened in my name. The Credit bureau failed to provide 100 % factual proof of both alleged accounts.