23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The company closed the credit card account. I called to find out why the account had been closed and I was told by the agent that it was because, too many credit cards with balances and my income, which have increase since opening this card. All my credit cards with other companies are in great standing. I explained to the agent that it is unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under Title 15 Chapter 41 of the US Code. Unfortunately, the agent held her position that the company would not be able to reopen the account. Knowing the regulations set forth in the Truth in Lending Act, and the Equal Credit Opportunity Act, I realized that I am being deprived of my rights. Due to the actions of the company, my faith is torn and I am devastated that the company would act in such a manner, given that I have been a valuable asset to the company for 15 years. My family is being affected by the company actions. My wife and children are currently suffering due to the fact that we are not able to able to utilize the credits for food and other personal, family and household necessities.I also received a letter from the company stating sufficient balances on my revolving credit lines, which is a complete violation of the Federal Reserve Act sec 16 part 1 & 2. Im fully competent and overstand my rights and I'm fully aware that the remittance coupon has value. It is interest thats is owed to the principal that must be transferred to the principal 's account when instructions are provided by the agent. Because of that request thats why I believe my account was closed. You must not restrict the method in which the account is to be paid. If the agent or representative receiving this notice does not understand or is not qualified to handle this matter, you must forward this notice to your CFO or indentured trustee. you should also reach out to your legal counsel for further review if needed. I would like for all my accounts to be reopen immediately. I would not want to cause your company any liability under 18 U.S.C. 1341 due to lack of understand. The consumer 's relationship with you is governed by Consumer Protection Laws, specifically the Consumer Credit Act. And the consumer has lawful rights to exercise any right under the law. Please know that you shall not make any contract that violates the rights of any consumer.
Product: Credit reporting

XXXX admits in the attached letter that it has no evidence of any agreement with me, nor any sales receipts, nor any billing statements. It is using a spreadsheet underlying what it reports as 'verification ' of what it reports. At some point the burden has to shift to TransUnion that must realize if a creditor can not back up that an account belongs to a consumer, it must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

About XXXX  months ago I received a credit alert from XXXX that I was delinquent on an account from Affirm Inc. which dropped my credit score significantly.I filed a dispute with XXXX because Ive never even heard of Affirm Inc and have never done business with Affirm Inc.I then filed a fraud alert because I was afraid someone had used my identity to open this account. 
I also called Affirm Inc twice and they said they could not find an account with my name or other info and would not allow me to talk to anyone in their fraud department telling me that customer service was the only point of contact for Affirm Inc and that they would take a report and send it to their fraud department and i would recieve an email in XXXX days. Its been over a month and ive heard nothing from them. Yet as you can see on the attached document Affirm Inc says their reporting is accurate, but tell me when i call them, that they cant find an account under my name. 
Affirm Inc is not my account. Someone has used my info to open this account and a simple investigation would reveal that. Affirm has nowhere or no one to talk to to dispute the report.
Product: Money transfer, virtual currency, or money service

I sold the crypto currency LTC on Coinbase on XX/XX/XXXX. They sent me a notification that the money would be in my checking account on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received any payment. Reference code XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX stated they purchased my file. 

I asked for proof and they only sent me a bill which isn't proof. 

I can not entertain fraudulent companies. When I request for proof a file is mine, it shouldn't be any issues getting that. I shouldn't get pushback or any delays. 

Also, the original account was reported as {$500.00} and every month XXXX XXXX XXXX is paying to change the balance on my credit file to something higher. 

At this time they are reporting the balance as {$560.00} when they claimed to have purchased a file with a balance of {$500.00}. 

I am requesting for this collections agency to delete this account from my credit file since it has not been proven to be mine and since it is now banned to report any medical debit on credit reports. 

So please delete this account from my Experian, XXXX and XXXX file since it has dropped my credit score almost XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite Several written requests, Multiple Unverified & Fraudulent items still remain on my credit report in violation of Federal Law. XXXX, Equifax, & XXXX XXXX are all required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ). Furthermore you have failed to provide the method of verification as required under Section XXXX ( a ) ( XXXX ). 

Please be advised that under Section XXXX ( XXXX ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified. Or subsequently block the fraudulent information on my credit report resulting from identity theft within XXXX business days, and to promptly notify the furnisher ( XXXX ) of that information, as harbored in the protections under my valid FTC Identity theft report ( SEE ATTACHED )
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting

Please see that Equifax has merged some old information to my credit report. I have attached to XXXX credit reports. The XXXX from XXXX is the correct report and the XXXX from XXXX is incorrect. Now, they from XXXX has my name listed as " XXXX XXXX XXXX '', which is correct and on " ALL '' my reports from Equifax come with that name displayed. 
The report you see on XXXX has " XXXX XXXX XXXX '' and the many negative accounts have been added to that process. Equifax has totally destroyed my credit profile by account XXXX negative account, changing payments history, modification of inquires and revolving credit line. This was brought to my attention because an alerted popped up stating Equifax has a new address for me and I have not moved ... That 's when I saw the chaonges of the name and credit report. 

Please " see the latest letter from Equifax attached with the name XXXX XXXX XXXX '' and not " XXXX XXXX XXXX ... '' I DEMAND EQUIFAX RESOLVE THIS ISSUE ASAP OR A LAW SUIT WILL FILED! As I proivded the proof and found the problem with the report. My file should look as it was on XXXX. 

Please take more then 5 mins to view this information and you see the problem. Reference CFPB # XXXX.
Product: Credit card

It began in XXXX XXXX. Without my knowledge or consent, Macy 's credit Removed my auto pay feature I am disputing the increase in monthly payments I am disputing the additional {$3800.00} lump sum interest charge I am disputing the error made when Macy removed my auto payments I am disputing the changes to my acct without my knowledge, consent or agreement Macys refused to file my complaint or dispute. I spoke to XXXX and XXXX.
Product: Checking or savings account

My account has been closed for a year now. 
And the bank didnt send me my remaining balance. They keep sending me my bank statement every month, and this year I realize that they tried to take money out of the account even though they said its closed. I had to give them a call so that they can put back the money they charged into the account. 
They locked the account without justifications and no proof of fraudulent activity
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Checking or savings account

On XX/XX/2020 I opened a new Citi business checking account with a $ XXXX deposit to take advantage of the bank 's $ XXXX Cash Bonus offer. The Cash Bonus was to be credited to my new account within 90 days from the end of the month in which I completed the Offer requirements, which I interpreted to mean by the end of XXXX, XXXX, since I had completed he Offer requirements by that date. 
I contacted the bank in XXXX and was told to expect the bonus deposit within 30 more days. I contacted them again after the 30 days, and was told that it was still forthcoming. Finally on XX/XX/XXXX I was told that the Form W-9 that I had submitted when I opened the account in XXXX had not yet been " certified '' so I resubmitted another Form W-9. 
It wasn't until the middle of XXXX that the Cash Bonus was deposited. 
I feel that the Cash Bonus offer was, at a minimum, misleading, but may have actually flirted with misrepresentation. 
I also feel that I should be compensated for the 4 1/2 months of lost interest and the associated aggravation and distress caused by the bank 's mishandling of this offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX  Account # : XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX Account # : XXXXXXXX XXXX  Account # : XXXXXXXX XXXX XXXX  Account # : XXXX is causing harm to my credit reputation and financial standing. 
All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Checking or savings account

On XX/XX/XXXX I was charged by XXXX for a subscription that I had signed up for. However I canceled the subscription because I was not using it enough. I canceled the subscription through XXXX before the deadlines so I should not have been charged. 

In the narrative below every time I either placed a call or went into a branch, it was all because PNC is refusing to issue me a provisional credit. Thats what this is all about below. Thank you I called the PNC bank call center because my balances didnt match and during that call I disputed the transaction. This occurred around XX/XX/XXXX. They took all my information so they could start an investigation. On XX/XX/XXXX, I called to inquire about the status of the dispute and learned that PNC had sent a letter to me which I did not receive. I asked them to send the letter again please. 
On XX/XX/XXXX I passed by my local branch to see if I could get the form faxed or emailed to the branch. There wasnt a single customer in the building but because theres only 1 teller and 1 banker who had an appointment XXXX minutes later she told me to come back which is ridiculous. 
I then called the call center and the representative said no provisional credit. I asked for a supervisor and was refused one. I asked the representative multiple times to speak with someone in senior management or leadership. 

I have been told because of the amount {$320.00} that PNC will not issue a provisional credit for my situation. I begged the representative I spoke to at a second branch, completely different from the original branch I went to. I begged the representative to please have them fax or email whatever forms they need so I can complete them immediately. I have told or shown each representative the PNC virtual wallet account agreement which states we will determine whether any error occurred within 10 business days if we need more time we will provisionally credit within 10 day. I also showed them Regulation E which as you know talks about the error resolution process. Still I am unable to access those funds because my bank unilaterally decides to ignore the account agreement we agreed to when I opened the account as well as disregarding a federal regulation. 

I have asked to speak with anyone in senior management but as of XXXX on XX/XX/XXXX, I have not received a response from senior management. 

I need your help to get PNC to honor their agreement.
Product: Credit reporting or other personal consumer reports

I am writing to report an identity theft incident and request assistance in addressing fraudulent accounts that have been wrongly added to my credit report. I recently discovered that my personal information has been compromised and used without my authorization to open credit accounts. I am taking immediate action to rectify this situation and request your help in resolving these issues. 
Below are the details of the fraudulent accounts : XXXX XXXX XXXX and Bankruptcy XXXX XXXX Reference number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX, & XXXX I was scammed by a person pretending to be the owner of a property that I saw in XXXX. I was desperate looking for a house for rent and came across that website. I read the add of a house for rent and I asked to look at it and 30 minutes later the supposed owner contacted me via email. I read what I needed in order to rent it. I even looked up the owners name and the scammer made me believe he was that person. I sent {$2500.00} in the matter of those 3 days. I was sent an email that it was a scam. I didn't want to believe at first. But unfortunately it was true. I contacted the supposed owner and he answered I begged him to please send me my money and he assured it wasn't a scam. I never heard from that person again. I called the number and so did a friend of mine and the number was already disconnected. My mistake was sending the money through XXXX. I right away called my bank and made a police report. The bank was very mean to me. They said that I shouldn't of sent the money if I didn't know the person. I tried to explain and they didn't listen until I called the XXXX #. I have the bank the police report number and I told them I had also reported it to the FTC. The bank said they world investigate it which I feel they never did. I called 3 or 4 times because I was denied. A bank manager was supposed to call me and they never did. I had lost a family member during all that chaos and explained that the scammer took advantage of my situation because I told the scammer that I hoped they weren't fraud because I had just lost a family member that was like a father to me and they acted like they cared. I have texts, emails, and the screeshots of what I sent the money for. I know its my fault but I had all the evidence I could possibly share. I felt that the bank was pointing fingers at me that I was part of the scam. I just went back to work after a month of being jobless. I opened another account at a different bank because I am closing the account with PNC Bank. My only hope is that one day those scammers will be caught.
Product: Credit reporting or other personal consumer reports

XXXX is holding over {$6500.00} of my money and refuses to apply it to the multiple mortgages I have with them. It has been three months since my checks were cashed and XXXX refuses to give me credit for the payments I have made and instead is report to the credit bureaus all my mortgage payments are late. I am a real estate investor pursuing additional investments, I have sustained actual damages because I have been denied credit due to the misreporting by XXXX. XXXX misreport has caused my credit score to crash more then XXXX points. XXXX is charging me interest on principal I have paid, denying me of justified reductions in my interest expense. XXXX has violated both civil and criminal statutes in the State of California.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to Equifax, XXXX, and XXXX and I have not received any dispute notifications or mail saying a dispute was done or that there are some results for me to review. I need for CFPB to look into this situation. I am under the assumption that if they do not respond or take longer than 30 days that is automatic cause for deletion of derogatory accounts that was disputed.
Product: Mortgage

I'm not sure if this went through, but here it is again. We we're hit with the XXXX pandemic and we suffered, lost of extra income medical bills. Our mortgage company offered a forbearance plan and we took advantage of it. They offered extension s and we accepted them. I knew that we would have to pay the part that we were behind on. So Specialized Loan Servicing said that we could set up a repayment plan. We were searching for help online when XXXX XXXX XXXX noticed us needing help and said that they could find a program that may would fit out situation. Not knowing what the plan was we accepted the third party help. We paid them {$3200.00} for the services. Specialized Loan Servicing denied all that they were trying to do for us and would not budge on anything. XXXX XXXX XXXX kept informing us not to worry all was still under control. Specialized Loan Servicing is still not budging and since the forbarence ended in XX/XX/2021 they have accelerated the full amount owed that we were behind on with no repayment plan. Trying to pay the amount that we were behind on in three months is impossible. We can do it but not in three months. They are only giving us just thirty days and counting. The money that I paid XXXX XXXX XXXX could have were toward paying Specialized Loan Servicing. I asked XXXX XXXX XXXX before they took charge if I paid them how could I pay on our mortgage. He replied no don't pay them until we are done. The XXXX affected us badly and the second income that I had to help with the mortgage payments was lost. We are retired and we shouldn't have to go through this at this stage in our life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX INVESTMENT - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX  on XX/XX/XXXX ( Reported Identity Theft )