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

I recently received a copy of my credit report, The credit report showed a credit inquiry by your company that i do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless i have authorized it. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, No. XXXX ( XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX due to their failure to adequately address my identity theft claims and their use of delay tactics to avoid resolution. Despite providing substantial documentation, including multiple FTC Identity Theft Reports ( Report Number : XXXX ), XXXX has not taken the necessary steps to correct inaccuracies on my credit report. Instead, they dismiss my requests and treat me as if I am being deceitful. This behavior is unacceptable, and I will not be bullied by any credit reporting agency, including TransUnion and XXXX, which have exhibited similar issues. 

Questioned Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  deleted this account. 



XXXX. XXXX  : Status : Remains on TransUnion despite deletion letter. 



XXXX. XXXX XXXX XXXX XXXX XXXXXXXX ) : Status : Pre-bankruptcy account, likely contained fraudulent charges. They agreed to deletion ( as supported by letter ), but this has not been done. 



XXXX. XXXX ( XXXX accounts ) : Status : Pre-bankruptcy accounts, likely contained fraudulent charges. I need transaction histories to verify details or delete the charge-off. 



XXXX. XXXX : Status : Pre-bankruptcy account, likely contained fraudulent charges. I need transaction histories to verify details or delete the charge-off. 




Complaint Details : XXXX. XXXX XXXX XXXX : XXXX stated they can not block items from my credit report without validation from a law enforcement agency. The FTC Identity Theft Report I provided is legitimate validation of my identity theft claims. It is unreasonable to dismiss this document and require further validation. 


XXXX. Request for More Documentation : They requested specific personal information and additional documentation. I have supplied comprehensive documentation, including FTC reports and deletion letters. The repeated requests for personal information add stress and feel like a delay tactic rather than a legitimate security measure. 


XXXX. Accusations of Misrepresentation : XXXX implied that my request was made in error or based on misrepresentation. These accusations are unfounded and harmful. I assure you that my requests are legitimate and based on factual documentation. 


XXXX. Need for XXXX Histories : XXXX to full transaction histories is crucial for me to determine the legitimacy of the accounts. The numerous XXXX XXXX XXXX  in my home during my illness make it impossible to sort through this complexity without their help. 


XXXX. Intentional XXXX Tactics : While I understand that processing these requests can be complex, the pattern of requesting documentation I have already provided seems like a deliberate tactic to delay resolution. This behavior is unacceptable, especially as I work to regain my health and stability. If XXXX can not substantiate their claims, I must insist that they delete any questionable information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remedy resolve, correction of damages to my credit. These damages of fraudulent and incorrect filing on my credit report have been devastating to my life. I gave not give permission to any of these fraudulent claims reported, the address is incorrect, XXXX XXXX reports XXXX late payments while Equifax reports XXXX all from XXXX  XXXX, the inaccurate fraudulent auto lone defaults need to be removed from my credit report. 
I do not consent 15 U.S. Code 1681s3 15 U.S. Code 1666b 15 U.S. Code 1679c 15 U.S. Code 1681i
Product: Credit reporting or other personal consumer reports

I went in to XXXX XXXX of XXXX XXXX in California hoping to make a deal for a new car. After much back and forth the salesperson told me they might be able to get me a better price on the car if I finance and gave me a loan application. I told them I don't want a hard inquiry on my report and he assured me saying it's a soft pull and will only be a hard pull if I agree to the terms they offer me. I read the document and I did not see anything about a hard pull credit check so I signed it. Before the sales person took the document, I asked again if it's only a soft pull and he clearly said yes. He lied to me and I got a hard pull on my credit. 

I texted the salesperson the next day about it where I have proof of him making the mistake that I can provide if needed.
Product: Mortgage

Loan refinance application, loan estimate and disclosures completed/received XX/XX/XXXX for refinance with PennyMac. Projected closing was XX/XX/XXXX. Provided requested documents through the XXXX. On the XXXX requested HOA condo insurance and questionnaire. Find out later that PennyMac had reached out to ___? ___ Condo management company for information. I had never heard of them ( wrong company ) and provided the correct contact information to multiple people. Heard nothing through holiday. I reached out on XX/XX/XXXX- they claimed that they had tried to reach me via phone and email, but I had no missed calls or emails ( including spam ). They indicated that due to condition of the building, they would likely not approve the loan. I provided an engineer 's letter of " building safe to occupy '' and spoke with the originating employee, his supervisor, the processing employee, and her supervisor. On XX/XX/XXXX received letter of loan denial. 

Good ( near 800 ) credit score ; 70 % loan to equity ; improved personal equity and cash flow from original loan. PennyMac holds the original loan and the needed " repair '' issues are more near complete than they were when the original loan was issued in XX/XX/XXXX. All repairs have been contracted for and completion estimated in XXXX. 

Seems to me the " repair '' issue is an excuse as my locked in rate of 5.99 % would now be 7+ %
Product: Checking or savings account

Hello, I am reaching out looking for help in regards to my banking relationship with PNC. I was a customer of theirs for around 20 years with the same accounts. On XX/XX/XXXX I attempted to access my account via mobile login. The login was not working and I was unable to use the password reset to regain access to my account. Since it was a holiday I decided to wait until the following day and called PNC on XX/XX/XXXX. After 20-30 minutes on the phone someone finally realized that I was supposedly mailed a letter around XX/XX/XXXX stating that PNC decided that they wanted to end our banking relationship. I asked how this was communicated and I was told a letter was mailed to me. I asked why and was told it just stated that just like a customer can decide they don't want to do business, PNC also has that right. I never received a letter, nor any other form of communication that my account was being closed. 

At the time of this incident I had nearly {$30000.00} in my checking and savings account and was frozen from accessing it with no notification. I went to my local PNC branch and after spending quite a bit of time there was able to get them to move my money to one checking account and then told to write a manual check to transfer only. I was not able to withdrawal cash from my account at that time. I went through the steps of this process and created a new account and wrote a check. This process took nearly a week for the check to clear so I was without my money from almost a week. 

Another challenge with this situation is that I have no access to see which transactions were hitting my account, nor access to my account to pull statements to see what is going on. I do not balance to the total I was given today in my account and have no way to review transactions to balance my checkbook. I was also told that a certified check would be cut on XX/XX/XXXX clearing out the balance remaining in my account. I just called PNC and they said this process could take a week or more. This is not acceptable to me. Also, I still have no access to pull my bank statements that are all stored digitally online only. I was told that I can not gain access and the only way is to write a letter asking for each monthly statement. 

This entire situation seems wrong and illegal. How can a bank decide they no longer want to do business with me and all they have to do is say they mailed a letter first class to tell me? Then not allow me to withdrawal cash from my account? It is not like I did anything wrong in this situation to be treated in this manner. They chose not to work with me and then held my money and information XXXX. 

I am hoping that someone can help me get the rest of my money and get access to all of my statements that are digital only. Ideally I feel like I should be compensated in some matter for not having access to my cash for almost a week, as well as having to spend hours of time on the matter because I was blindsided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having an issue w/Transunion! I reported identity theft w/FTC rpt # XXXXafter being notified of idtheft by credit monitoring 4-5days ago- i was told to place a creditLOCK ( after a Freeze did NOT work ) w/the big 3-I placed LOCK w/ XXXX.XXXX XX/XX/19.Transunion will NOT allow MY FILE to be locked cause theyre are Multiple Files on me? 
I asked to merge em so I can place aLOCKwhich is critical -but they now claim transunion does NOT have a credit lock-now I find last night, someone canceled the mbrshp I paid for yesterday! HELP I NEED MY XXXX CREDIT RPT LOCKED IMMEDIATELY TO SLOW THE IDENTITY THEFT OF ME!!! 
Thank you XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I asked for the amount of time it would take my loan to be paid off making the minimum payments with no further advances. They have refused to tell me. They say, their system won't calculate it. It is a small loan of {$2000.00}. I pay {$540.00} per month. so it should be easy to calculate. I think this is unfair lending practice. 

They locate me by my telephone number XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft, my information has been used fraudulently and as a result there are items on my credit report that I never was associated with nor benefited from. This is causing me immense XXXX  and XXXX nights, I filed an FTC report as I was instructed to by TransUnion and I have sent in this report but these fraudulent items still remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been approved by XXXX XXXX XXXX XXXX XXXX for a credit card balance of {$1000.00} I have had the card and have been using the card responsibility for XXXX  months now, yet, they have not reported the account to Equifax, XXXX and XXXX Credit Bureaus at all. Please have them ( XXXX XXXX ) report this credit card account to Equifax, XXXX and XXXX Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Product: Mortgage

OCWEN Loan Servicing is currently holding onto {$17000.00} in my escrow balance. This amount far exceeds the required escrow balance of {$7600.00}. <P/>I have called OCWEN numerous times to try to get the difference - which is {$9900.00} - between the required and actual escrow balance, returned to me. So far, OCWEN has refused to return these funds. <P/>It is impossible to get a straightforward, honest answer out of OCWEN. When I call OCWEN I either get someone at their call center in XXXX, who I can not understand, and when I ask to be transferred to the States, I get a millennial child in OCWEN 's so called " customer service '' department, who gives out wrong, incorrect information. <P/>In addition to seeking the {$9900.00} to be returned to me, OCWEN is also holding onto suspense funds of {$6000.00}. Again, it is impossible to get a straightforward, honest answer out of OCWEN as to what this suspense account is for, or how it got to be {$6000.00}. <P/>The last millennial child I spoke with at OCWEN gave me 4 different categories for how the suspense funds are kept, but could n't explain what the 4 different categories are, what they are for, and/or how they got broken down into these 4 categories, etc. <P/>The bottom line is that this {$6000.00} is my money, and together with the amount of the overpaid escrow balance, these funds, which total approximately {$16000.00}, should be immediately returned to me. Again, OCWEN has refused to do that, and that is why I am filing this complaint. <P/>For full disclosure, I am in the 59th month of a 60 month Chapter XXXX bankruptcy reorganization. The excess funds that I have paid OCWEN belong to me, and no one else, and certainly not to OCWEN. My OCWEN mortgage account is current and up to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Within the past two years Experian conducted at least thirteen ( 13 ) separate investigations for the acct/tradeline each time with both XXXX and Experian claiming investigation was conducted and results met the standard of maximum possible accuracy under FCRA 15 U.S. Code 1681e. The Dates are : 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. 

The data as reported is inaccurate and contradictory on its face. Thirteen ( 13 ) different occasions attempts to reconcile failed -- the acct/tradeline is still inconsistent -- change info as instructed under the ITEMS TO BE CHANGED portion of the attached document. The explanations is in the section marked EXPLANATION in the attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

During sometime between XXXX and XXXX, my student loans with XXXX XXXX XXXX XXXX were defaulted and no longer existed as a balance under their name directly. When I recently called to initiate a new payment plan they said they no longer hold the account and it was first sent to a private company called XXXX XXXX who assumed my debt. After this I finally realized that XXXX XXXX who works with the department of education actually holds my account and I have set up a new payment plan with them to work down and pay off my student loan balance. 

My problem and the reason I am reaching out to you is XXXX is still showing my account on my credit report monthly as late, but they do not hold my account. My problem is how can the credit reporting agencies continue to report my account that used to be with them as late if they no longer hold the account? I am paying fedloan services for my debt which has been completely taken over by them. 

I have put in disputes with XXXX XXXX over the past year to no avail in correcting this. 

Can you help me or find out if I need to involve XXXX XXXX ( my credit repair service ) further? Or involve the Federal Trade commission? Or get an attorney myself on this matter?
Product: Credit reporting or other personal consumer reports

I have been trying for 2 weeks to speak with a live agent regarding my credit report with Experian credit and they only have an automated system with no live agents to provide assistance. The automated system is very limited in the amount of assistance it can provide and simply hangs up when it is unable to honor the request. I have spoken with live agents from XXXX and XXXX but cant even be connected to anyone with Experian. This is wrong on so many levels, as my credit report dictate many aspects of my life. Asking to speak with a live agent is not an outlandish request and I should not have to jump through hoops to get some form of assistance from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have requested XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX Acct # XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX XXXX XXXX ( XXXX  XXXX XXXXXXXX XXXX XXXX Acct # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts if it isn't reporting correctly. Also. 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.

Also they aren't even in compliance with metro 2 credit reporting or the consumer laws that's been put in place. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I'm not a legal expert, but I can highlight some consumer protection laws relevant to identity theft and credit reporting. There are names addresses and previous addresses i dont recognize on my credit report.The Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) are two important laws that protect consumers in such situations. These laws allow individuals to dispute inaccurate information on their credit reports, including fraudulent accounts resulting from identity theft. According to these laws, consumers have the right to request the removal of unauthorized names addresses and employers from their credit reports. please remove these also known as previous addresses employers.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Checking or savings account

Bank of American sent me a letter saying they were closing my credit card with no explanation. They actually closed ALL of my personal and business checking and savings accounts as well, so I have no access to any of my money, and they are telling me there is nothing I can do and they will mail me a cashier 's check in about ten business days. They gave me no notice of this as their letter was simply referring to my credit card. Now I have no access to my money, no access to my business accounts, and no explanation or warning as to why they did this.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my most recent credit report and noticed a few inaccurate and unverified accounts. According to the FCRA ( Fair Credit Reporting Act 605b & 609 ) legally, all unverified and unauthorized items must be removed within four days. Please conduct a reasonable investigation to assure maximum possible accuracy of the information concerning my credit report. The following inaccuracies are highly injurious to my report : 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 XXXXXX/XX/XXXX If the information is found to be inaccurate, incomplete, or unverifiable it must be deleted and permanently blocked from my report. I also demand that you provide actual proof that the information is verified, not a computer-generated confirmation.
Product: Bank account or service

We called the XXXX branch of First National Bank of PA and spoke with XXXX there. 
We explained that we needed {$8000.00} for hooking up to the sewage system that the city of XXXX XXXX had placed in last year. XXXX stated that the bank could extend the existing equity koan for another 6 years and it would increase the amount from {$150.00} that we have been paying to about XXXX. That was not a problem for the low income that we have to budget out. 
Then on XX/XX/XXXX XXXX contacts us to tell us that they want us to go back to putting money into an escrow again. Not only for the property taxes but also for the house insurance. That will make our monthly payments over {$300.00} a month of which the bank knows that it isw more then we can afford. My husband brings home {$2200.00} a month. Do they expect us to buy dog and cat food in order to eat? 
We are NOT remortgaging the house. We are trying to get an extension on an existing equity loan. We have been paying the property taxes and home insurance ourselves for about 10 years now. Then there is something about closing costs. 
We have other bills to pay. Electric, vehicle insurance, gasoline for my husband to get to work and we still have fuel to heat the house for winter. 
XXXX was told, on the phone, that we needed a " low income loan ''. This is her and the banks idea of a " low income loan ''? 
And to inform everyone, I have not called the bank because nothing ever gets done correctly by those that operate the XXXX branch. 
Someone explain to me how something as simple as extending an existing loan turns into almost another mortgage loam that we did not ask for? I should have gone with using another method of paying for all of it IF I knew that the bank would again XXXX. 
I have all the print outs from the bank and will provide copies of them if they are needed for this complaint. Heck, they do n't even have the assessment correct for the property or the house. 
I need something done before XX/XX/XXXX as tnat is when XXXX has it scheduled for my husband to sign the papers. NOT typing in what I told him about that. 
Plain and simple! We can afford that {$170.00} a month but we can not afford over {$300.00} and still be able to pay other bills or buy enough healthy food and heating fuel. 
We need help from outside the bank to solve this problem. 
Ifwecannot get a loan that we can not afford, I will simlpy call the City Treasurer 's office and tell them to contact XXXX and let her explain how things got screwed up since they said to contact her in a letter that the city sent out.