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

On several occasions I have made the Credit Reporting Agencies aware that they were reporting information inaccurately and each time I receive that the account has been verified but the date of last activity on the account remains the same. If they are in fact verifying this information is correct and reporting accurately, please provide me with the method of verification to include, date, with whom you spoke and what information was sent to verify this account. Also these accounts have been re-aged so that they remain on my report longer than they should be. 

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

On XX/XX/2020 I went to XXXX XXXX dealership, XXXX XXXX XXXX XXXX, XXXX XXXX, they run my credit and that day my credit score went down 68 points!!! 

The same day Capital One Bank run my credit without my authorization, called the bank, they can not give any explanation. 

Also the last 2 months there are 4 hard inquiries coming from " XXXX XXXX ". I never gave any permission to them to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

There were accounts put in my name that dont belong to me
Product: Credit card or prepaid card

I hope all is well.. 

Thank you very much for removing the late fees I really do appreciate that but when I called to pay the balance off your supervisor/agent told me to leave the {$150.00} because that was the late fees that was not yet deducted yet so I left it and now I have been charged interest on it. Im not for sure what is going on because he told me it was the late fees and they will be coming off so I didnt have to pay that portion. Can you please fix this for me because obviously he didnt know what he was talking about because I would of paid that when I paid the balance off to avoid interest. Thank you very much for your time. Have a wonderful day and please be safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Debt collection

This account on my credit is in collections. It says that the original creditor Is XXXX XXXX apartments. I was sent a lease that I am not aware of and dont know how my information was given to this collection company. My information was giving without my knowledge/permission. Collection address XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX. XXXX and XXXX has a different contact information from XXXX on my credit report. Please investigate.
Product: Credit card or prepaid card

After extensive review of credit report after a prior divorce from a fudiciary noticed this account, and have/had no clear recognition of this account/transaction or any of the kind or similar by this company or affiliates. I have tried contacting them on several occasions to inform them of XXXX  status of XXXX XXXX and my XXXX XXXX XXXXf not being able to manage his/her own finances or contract in accordance with 38 CFR 3.353. After calling their customer service number multiple times and disputing the validity of the account all that would be done is more negative marks on credit report and harassment from the customer service representatives that were doing nothing to assist and only making accusations of false claims of XXXX  status from military service related XXXX  and XXXX  related issues.
Product: Payday loan, title loan, or personal loan

Loan account through XXXX XXXX XXXX was closed and charged of in XX/XX/XXXX with a balance of {$4000.00}. I filed a dispute in XX/XX/XXXX with the three Credit Bureaus regarding the validity of this account. XXXX XXXX responding by increasing the balance owed to {$10000.00} which is now reporting to the Credit Bureaus.
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, Account name : XXXX XXXX XXXX, Account name : 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 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: Debt collection

I am not liable for this debt and have no contract with this debt collection and upon request of the contract I have no received no contract from them. This company is fraudulent reporting false information on my credit report.
Product: Debt collection

I was contacted by a company called Aldous and Associates. They identified themselves as a law firm and that they are attempting to collect a debt. The debt allegedly belongs a gym called XXXX XXXX XXXX XXXX  I have never used the facilities of the gym as I am a XXXXXXXX XXXX and am unable to utilize the gym. Aldous and Associates stated that I need to pay them {$1500.00} in 30 days or they will report a negative item on my credit that will lower my credit score. I have never used the facility they are accusing me of using and if they fraudulently report that amount on my credit report, I will unfortunately, have to report them to the state attorney for violating consumer protection laws. I am an extremely XXXX XXXX who would have never been able to use a " gym '' or any fitness facility. It is a shame what this company is attempting to do.
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 shall 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: Bank account or service

I received a letter on XXXX XXXX, 2016 stating all of my Citibank , N.A . credit card accounts were closed ( accounts ending in XXXX, XXXX, and XXXX ). I lost access to XXXX of my Citi Thank You Rewards points ( in account ending in XXXX ) and XXXX of my Citi Thank You Rewards points ( in account ending in XXXX ) for a total of XXXX points. Normally you have 60 days to access your points after the closure of an account but when calling Citibank, I was told that I could not do that. Each point could be used at a value of XXXX cents a point for airfare. Therefore, I lost {$550.00} of money from my account that I had already earned. Citi is not giving me access to that. I would like access to those points to redeem them for their value or to be paid the value of the points in a check. 

On XXXX of my accounts, I paid a {$450.00} annual fee. I would like to have the annual fee prorated for the remainder of the time that I now do n't have the card. 

If Citibank is going to close my accounts, then I want to get the rewards that I had already earned and the annual fee money back.
Product: Credit card

I was incarcerated in federal prison since XXXX, during that time my credit card was being used without my knowledge and permission. When I was released on XX/XX/XXXX, I was contacted by Navy Federal Credit Union Collections department that advised me that a payment was due on my credit card account and that it was closed due to nonpayment. I expressed my concern and shared that my account balance should be paid off and funds to pay my credit card was left in my checking/savings account therefore, my account should still be in good standing. At this time is when I found out that my account was maxed out and I immediately filed a fraudulent claim. I provided the fraud department supporting evidence which included my prison release documents, prison ID card, police report, FTC report, and proof of other unauthorized activities with other consumers. After the submission, I was advised that the investigation would take 15 days which had soon expired and I had to reach back out to the fraud department to check the status. At this time I was told that my claim was denied because they had not received no evidence and had nothing to prove otherwise. Therefore, I resubmitted the supporting evidence and was told to wait 15 business days for a determination. My claim was denied for the 2nd with no explanation besides that I still owed $ XXXX.
Product: Mortgage

In XX/XX/XXXX, Shellpoint Mortgage Servicing became my new mortgage provider. When I notified them, they stated I had not made payments since XX/XX/XXXX. After conversations back and forth, I decided in XX/XX/XXXX, to write a letter and attach {$5800.00} of receipts. Still, Shellpoint Mortgage Servicing DID NOT want to apply these receipts to my account. Shellpoint wanted me to repay what I already paid. Why should I? What happened to the money that I had paid to them? Finally, in XX/XX/XXXX, I was placed into Foreclosure, after I forced them to apply the payments. I have received letters stating they can help with several options, such as refinancing, deferment, reinstatement, repayment plan, etc. Each time I inquired about these options, I was told the OPTION I had was reinstatement ( pay 1 payment and catch up the entire amount ). Please note I would have preferred a prepayment plan to catch up the payments in several months, but I WAS DENIED IN TAKING ADVANTAGE OF THIS OPTION. 1 ) Currently, I would like for you to inquire about this with Shellpoint Mortgage Servicing for it appears to be unethical and illegal ; 2 ) Do you know if the government will extend Forbearance? 3 ) I read in an article, is you are in Forbearance, interest, taxes, etc. are not to be applied. These Fees are added each month to my payments!
Product: Debt collection

The American Collection Agency is still reporting to all XXXX  credit bureaus about the medical debt of XXXX dollars, even though the new law that was passed in XX/XX/year> under the CFPB act, which is hindering me from getting a car loan. Please help me to get it removed. Ive already submitted disputes with all XXXX  credit bureaus. Thank you for your assistance if you can assist me with this.
Product: Checking or savings account

On XX/XX/30 I went to deposit my paper check from my XXXX XXXX that I've been with for nearly 14 years. Due to the fact I was in a hurry because I was hosting a XXXX birthday for my partner and due to the fact I am physically XXXX I went through their automated atm drive-thru located at XXXX XXXX XXXX, XXXX XXXX, NV XXXX near my house. There were cars occupying the live teller drive-thru. When I put my check into the machine it asked me to confirm the amount of my check so I did. It then said, " a 7-day hold would be placed on my deposit. '' Seeing this I immediately hit cancel, clear, etc. But it would not give me back my check. I then see it would take over a week to receive my funds. This is my only money aside from the {$80.00} I already had in my account. I along with other customers who aren't aware of their " first check hold policy '' should be given the option to either cancel or proceed with the transaction because I could've cashed it at the casino as I've done before! I contacted their loss prevention as directed by their teller and online rep via the " secured message center ''. I asked for a supervisor & the rep wouldn't connect me. She also implied my XXXX check may look fake to the bank. She also told me going into the branch wouldn't help me yet Chase turned around and stated I make an appointment to meet with a banker yet their appointments are booked everywhere for at least 3 weeks! I've complained numerous times and I've also filed a complaint with the XXXX XXXX XXXX I can't pay rent and now I am forced to borrow or pawn items just to have money!
Product: Debt collection

I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this money and by law if the consumer ask for validation they must also show proof of signature. Portfolio Recovery have repeatly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done business with Portfolio Recovery, never signed a contract, nor do I owe them any money.
Product: Mortgage

I am contacting your office to request that you review an outrageou s letter ( Uploaded to your site ) that I received from the Attorney for PNC Mortgage, relating to the servicing of my FHA loan, and their blatant attempts to obstruct the process of trying to get reviewed for assistance programs due to a delinquency on the loan. I was given the same information over the phone by PNC represe ntative  XXXX   XXXX . Basically, these ag ents of PNC stated that they would no longer consider me for any type of modification assistance because I have submitted too many applications. The letter did not state that I have submitted too many applications and they all have been denied ; the letter does not state that I have been approved for multiple modifications, so I am not allowed to apply again for two years -- -no, it appears that PNC is actually fabricating a reason to deny assistance through a government regulated program. Perhaps in this era of reckless government PNC feels tha t they can change the rules and deny access to government programs that are available for all FHA homeowners, but this is wrong. I am requesting that you open a formal investigation  of PNC Mortgage and the way that they are servicing your loans, because I am sure I am not the only one.       PNC Mortgage is the servicer of this loan, not the investor, and since this is a government insured loan and the investor is FHA there are options that must be consideredloan modification, partial claim, special forbearance, repayment plan etc. My issue is not that I have applied so many times ; my issue is that PNC has not completed a review in an efficient, competent or timely fashion. So this appears to me to be a false attempt to obstruct an FHA borrower from government programs that you are REQUIRED to  offer. There are no FHA guideli nes or restrictions relating to maximum number of ATTEMPTS, especially when the PNC staff is not even completing the review and issuing a decision. We have suffered a true and demonstrable hardship and fell behind on our mortgage. We are now back on our feet and our financial situation has steadily improved and changed. We are entitled to a full review for all government programs available. PNC Mortgage does not have the right or the authority to obstruct this process. I feel deserve the opportunity to have my case escalated to the Office of the President and deserve the opportunity to have my current and correct financial information evaluated for all government programs that exist for FHA borrowers. I have been told that PNC is  required to do so, and they need to comply with the federal rules and guidelines for this government insured loan. I actually as ked PNC if th is was an FHA rule or something internal, and they stated that it was an internal decision.     This is wrong, we have sufficient income to afford a reasonable payment and this is an avoidable foreclosure. I am requesting that your office intervene in this matter so that I have the opportunity to save my home with the programs that are in place.
Product: Credit card

Avant credit card someone used card out in Florida and there are 4 charges not mine.XXXX {$10.00} and XX/XX/XXXX {$16.00} and XX/XX/XXXX {$95.00} and XX/XX/XXXX {$460.00} not mine I have called many times to straighten out I dont get know where I closed the card because they kept using but charges keep going up.I finally paid {$50.00} on it yesterday I told them that I owed like {$1100.00} on card the rest is not mine I cant get anywhere it is still on statements help please
Product: Money transfer, virtual currency, or money service

I was scammed buying a friend of mine who sent me roughly {$1500.00}, that was already supposed to be his tuition for school. A few weeks later this friend moves out of state and reports to PayPal that I sold him a bad product when I never sold him anything. I just made him he disputed most of the transactions with PayPal and to get the money back which PayPal charge me for this and took my money as well the whole {$1500.00} on top of that, that left me with only {$240.00} which has now gone down to {$210.00} which PayPal has placed on 180-day hold and permanently limited my account. I brought this to PayPal 's attention and I still am being punished to show the person who should be punished and the person that is at fault the top of that they're refusing to release my funds to me so they can fully close out my account just want my money I want all {$1500.00} of it but hey I'll be happy with my {$240.00} that I got left with. How did that {$1500.00} {$500.00} of that was mine and that was before any money got sent to me.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX trying to collect a debt I never made
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

Placed checks in the amount of {$11000.00} ; {$9000.00} into account on XX/XX/23 and bank placed extended hold until XX/XX/2023. Called bank and asked for reasons and bank said its a systematic reason on their end. Deposited checks are being held longer than period allowed under expedited funds act.
Product: Credit reporting or other personal consumer reports

I have been reviewing my credit report form Experian as of XX/XX/year> and have discovered have many attempts to address the issue that Experian is still in violation of federal law by not removing accounts : XXXX XXXX XXXX {$5000.00} and XXXX XXXX {$470.00} dollars respectfully. these accounts were charge-offs and the lenders failed to provide me with a XXXX form for tax purposes in violation of XXXX XXXX and Fair credit reporting Act, also XXXX usc of XXXX. Experian is also reporting all of my federal student loan accounts as late payments when these account are currently in forbearance status and should show good standing. in violation of law FCRA.