23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am a student moving out and was selling furniture online ( Total price was {$180.00} ). 
I was contacted by an individual who was interested in buying the same. 
The buyer sent me money through her 'company financier ' in the form of an e-check, for {$890.00} which I deposited into my PNC bank account using the mobile deposit feature on XX/XX/2020. 
The amount of the deposited check was posted into my account on XX/XX/2020. The buyer then asked me to deduct the amount for my furniture ( {$180.00} ) and send the difference ( {$700.00} ) via XXXX to movers who would be picking up the furniture. 
The next day, XX/XX/2020, she told me that the initial movers had canceled and so sent me another check of {$750.00}, through the 'company financier ' to be sent to a new moving company. I again waited for this e-check to be deposited into my account, once the funds were in my PNC account, on XX/XX/2020, I sent the entire amount via XXXX to the second movers. 
On XX/XX/2020, the predecided day on which the movers were supposed to pick up the furniture, none showed up and I received an email from the buyer saying that she would no longer be buying the furniture. 
On XX/XX/2020, I was informed by PNC bank that the initially deposited check of {$890.00} was being returned. I was then again informed that the second check of {$750.00} was being returned as well. 
As a consequence of this, my bank account has also been overdrawn which is negatively affecting me. I had made the payments against these checks only after PNC made them available in my account which should have reflected that they were verified. 
As a student account holder, I would've expected PNC bank to be more vigilant about the activity before allowing funds to be present in the account. 
Due to this entire transaction, I have lost $ XXXX $ XXXX {$1600.00} which is incredibly difficult at this point in time and caused a grave inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a hard credit inquiry from XXXX which has affected my credit score. I called the credit reporting agency ( Transunion ) and they informed me that I will need to get documentation from XXXX. After an hour waiting, I spoke with someone from XXXX and they said I would need to speak with Transunion to start the dispute process. I called Transunion back and they refuse to do anything without documentation. Both parties refuse to fix this hard inquiry that I did not authorize and I am currently left with no recourse.
Product: Credit reporting or other personal consumer reports

Hello, I am reaching out regarding the following information I listed from reviewing my credit report. The inquiries listed below need to be removed. I am a victim of Identity Theft. I do not recognize any of the charges or listed accounts. I reported the theft of my identity to The Federal Trade Commission, and I do have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am requesting the removal of the inquiries listed. Please advise thank you.
Product: Credit reporting 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 XXXX XXXX XXXX. Consumer Adjustment CO # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States I have the right to privacy. 

And according to XXXX XXXX XXXX they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

When I closed in XX/XX/XXXX, I received my escrow analysis and had my taxes documented. In XXXX when they were due, my old servicer told me that I had a debt to pay as my MUD taxes was over {$3600.00} when my old servicer lender provided me with my escrow analysis in XX/XX/XXXX showing it was for {$34.00}. Yes dollars not XXXX. This is a real inconvenience as this is not what I signed up for when I closed on my house. I made a payment towards my escrow. Which I feel that the lender should've fixed, this is my first home, first generation owning a home. So I am not experienced in any of this. 
I am still very much stuggling to get things correctly, and not being heard, as the new servicer, continues to provide incorrect info onto my loan, I also received noticed that my old servicer was changing, I notified my housing authority, who were told to by my old servicer to continue to provide payments to old servicer. Which shows I haven't made 2 months payments bc of it. I pray I can go back to what I waS promised at closing, I proved, my first analysis along with current to show what I've paid, also, emails from housing explaining that they were told to continue making payments to old servicer, documents being told to make new payments to New Servicer, and first mortgage to current mortgage statement.
Product: Credit reporting or other personal consumer reports

I was completely frustrated to find an unauthorized inquiry on my credit report this morning, and I have no clue how or why it appeared. I always monitor my credit, and this time, I found an issue that shouldn't be there. I even tried refreshing my browser, hoping it would resolve itself, but it didn't. This is unacceptable, and I need my submitted documents reviewed promptly so that I no longer have to deal with this stress.
Product: Mortgage

On XX/XX/XXXX, I purchased a property that will be under a tax abatement program ( PILOT or Payment In Lieu Of Taxes Program ) for the next 20 years. Under this program, I am only liable for a certain percentage of the property taxes : 50 % for the first 3 years, 65 % for the next 16 years and 80 % for the last year. 

My mortgage, as well as my escrow are serviced by LoancareXXXX XXXX  XXXX XXXX Unfortunately, LoancareXXXX XXXX  XXXX is unable to successfully process XXXX XXXX property tax bills. 

In XX/XX/XXXX, LoancareXXXX XXXX XXXX started charging me 100 % of the tax rate ( instead of the 50 % required by law ) and they missed the tax payment for the fourth quarter of XXXX ( due date of XX/XX/XXXX ). Since LoancareXXXX did not process my notices of error on this topic, I had to submit a complaint to the Consumer Financial Protection Bureau XXXX XX/XX/XXXX ( Complaint Number XXXX ) so that LoancareXXXX would bill me and pay XXXX town the appropriate amounts. After that complaint was resolved in my favor, LoancareXXXX started charging me the correct XXXX XXXX amount and refunded the late fee to my escrow. 

Unfortunately, LoancareXXXX again XXXX the tax payment for the third quarter of XXXX ( due by XX/XX/XXXX ) and also charged a late fee of {$26.00} to my escrow on XX/XX/XXXX. After this miss, LoancareXXXX issued an adjusted Annual Escrow Account Disclosure Statement on XX/XX/XXXX and sent me a letter indicating that I was to be responsible for tax payments since PILOT was considered a supplemental/special assessment and they were not responsible for these payments. Under this new statement, LoancareXXXX were not collecting escrow for XXXX XXXX payments and I was responsible for making those payments directly to the town. I was happy with this arrangement and I started making payments directly to the town ( See the XX/XX/XXXX payment receipt attached of my XXXX XXXX payment to the town ). However, LoancareXXXX did not take responsibility for the late fee of {$26.00}. 

On XX/XX/XXXX, I received a new Annual Escrow Account Disclosure Statement ( the third in XXXX ) indicating that LoancareXXXX were again going to begin collecting taxes in the escrow to pay the town for my PILOT/Property Tax bills. 

It is evident that Loancare/XXXX  are incapable of processing my XXXX XXXX payments and they are consuming a significant amount of time and money from my side. I have also demonstrated that I am able and willing to manage XXXX XXXX payments on time directly to the XXXX XXXX  XXXX.
Product: Vehicle loan or lease

I took delivery of my new vehicle on XX/XX/XXXX. The vehicle was financed by GMC Financial. The first payment wasn't due until XX/XX/XXXX. I made payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The required payment is {$300.00}. I paid {$310.00} on XX/XX/XXXX and {$320.00} on XX/XX/XXXX. GMC did not apply the overpayments towards principal. I called customer service to find out why. I was told any time I make an overpayment I would have to call them. The average wait time is approximately 20 minutes. I found this process unacceptable. I contacted GM 's executive response team. I spoke with " XXXX ''. He basically told me the same thing as their customer service representatives. He seemed frustrated when I told him this was not acceptable. He gave me his direct # XXXX. When I found out neither overpayment was applied to principal I called his #. There was no answer so I left him a message. He never responded. On XX/XX/XXXX I sent a certified letter to Ms. XXXX XXXX, CEO GM. On XX/XX/XXXX I got an email from XXXX of the Executive Response Unit. She said she just tried calling me. This was not true. I called and spoke to her. She stated GM Financial does not have an executive team that can address my concerns. It should be easy for them to add an option to their payment website to alert them to when I make an excess payment. They don't care because making as much in interest is their " Only '' goal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ( Inquiry ) 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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

I have made multiple efforts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These entries have severely affected my life, causing considerable distress. I must emphasize that I never authorized or agreed to have this information linked to my name, as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

On numerous occassions I have disputed the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You keep reporting inaccurate information on these accounts. I can prove in the court of law that you are reporting incorrect information on these two accounts. Because of the constant disputing of these tradelines and you ignoring the laws of the Federal Credit Reporting Act, that only accurate information be reported on my credit file. For the VERY LAST TIME, I need you to do your job and either correct this information or delete it for inaccuracy. I will not be disputing this account again after this complaint as I will be filing in court for violations of the Federal Credit Reporting Act and asking for damages for willful and negligent violations. By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and if not corrected removed from my report.I also request that you please send notices of corrections to anyone who received my credit report in the past six months. I have attached a copy of my Passport and Social Security card for identification purposes.
Product: Checking or savings account

Chime/XXXX finally sent my funds back to it sender a month ago but it took sixteen months to do so. Finally they sent it but when I called the senders they said " they don't see the funds ''. I called chime/XXXX  and asked them to give me the trace number but they still haven't not provided me with the trace number. My account was closed on XX/XX/2020 and it took them 16 months later to send it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again Equifax is governed by 15 USC 1681. After providing my vital information Equifax disregards my protected rights under 15 USC 1681 and continues to violate my rights over and over. According to the FCRA AKA 15 USC 1681. I never authorized Equifax to report such item ( s ) /Account ( s ) to my credit report. I demand the account ( s ) listed herein be REMOVED/DELETED from my credit report. Under 15 USC 1681 I have a right to privacy which have been violated several times and for the record Equifax or its agents never had my consent/permission to furnish such account ( s ). Regarding this matter since Equifax continues to violate my rights, please provide a statement signed under penalty of perjury of the account ( s ) mentioned herein as being VERIFIED and explain how it was VERIFIED if so due to Equifax inaccurate/false reporting. Please attach if any an authentic signed contract whereas i gave Equifax permission to report this account ( s ) mentioned herein as it will be used for my own and a judges ' inspection if this matter escalates to trail to contest these matters. XXXXDEPT OF ED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX
Product: Debt collection

Name of the Collection Agency is Portfolio Recovery Associates, LLC. 
In XXXX of XXXX they would not stop calling nor would they stop sending me notices in the mail. I was paying them what I could afford but the company wasn't happy about the amount. I told the agents in XXXX of XXXX if they would not stop calling me I will stop paying them because they kept harassing me. 
The original debt is from XXXX. 
In previous letter I explained to them that I was admitted to the VA XXXX XXXX numerous times and I had no money to pay them during XXXX. I also informed them that I took out the insurance that they provided me on the card. The company said if I could prove that I paid the insurance I would be discharged of this debt. I then informed them that I had moved numerous times and had lost all of the paper work and asked if they could provided me proof of the past Credit Card statements, which they didn't. 
Once they called me on XXXX XX/XX/XXXX, I told them to review previous calls to which I had spoke to them and all matters concerting my account. They didn't review the calls, so I told them I wasn't paying them anything further because they kept harassing me. 
On XXXX XX/XX/XXXX I spoke with XXXX  XXXX  after getting a noticed in the mail. I explained to her what was going on and I had sent a Cease and Desist letter to their company. 
I then applied for a home loan ( XX/XX/XXXX ) and a personnel loan ( XX/XX/XXXX ) ; I once again started getting letters and calls. On XXXX XX/XX/XXXX I sent them a letter explaining what had happened in the past as well as a Cease and Desist letter to : Portfolio Recovery Ass., LLC - XXXX  XXXX, XXXX XXXX XXXX, XXXX CA XXXX as well as XXXX XXXX XXXX XXXX VA XXXX I got a statement form them on XXXX XX/XX/XXXX. I figured they had not got the letters so I sent copies of the previous letter and a new letter informing them once again if they tried any communications I would inform the Fair Trade Commission and Arkansas State Attorney General. Those letter were sent out on XXXX XX/XX/XXXX to : XXXX  XXXX, XXXX XXXX XXXX, XXXX CA XXXX ; XXXX XXXX XXXX, XXXX VA XXXX ; XXXX XXXX XXXX, XXXX VA XXXX ; Disputes Department XXXX XXXX XXXX XXXX VA XXXX I get a call from XXXX at XXXX on XXXX XX/XX/XXXX. I informed her that I had already sent a Cease and Desist letter now I was reporting them to both Fair Trade Commission and Arkansas State Attorney General. 
I have attached all the letters I have sent to them within the last month
Product: Student loan

Within the past year I have requested XXXX XXXX to grant me the forebearance months that I had prior to XXXX that somehow disappeared after XXXX and payments resumed. 

I also sent in a 20-30 page application for full remission of amount on my loans due to unethical practices by my graduate school in regard to my student loans. 

There has been no response regarding both and all they do is send me requests to pay them.
Product: Debt collection

Today alone I was threatened w/ police arriving to my home. I was called five times and hung up on each time ; when I called the number back, the woman said she was calling the authorities to check on my mental state because I refused to acknowledge a debt. 

I was verbally threatened and harassed, and threatened. Why is this happening without those creeps being held accountable for harassment!?
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I made an extra payment of {$XXXX}. I wanted this payment to be applied towards principal only. However, when making the payment, it did not give me the option. My extra payment was applied towards interest and principal without disclosure. On XX/XX/year> I called the loan company and asked on how to make a payment towards principal only. I was told that their system does not give the option to apply extra payments towards principal only. Additional payments towards the loan will be split by their computer system towards principal and interest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Balance {$230.00} XXXX XXXX XXXX Balance {$29000.00} Account number XXXX XXXX Date opened XXXX XXXX, XXXX XXXX XXXX Balance {$5500.00} Account number XXXX XXXX Date opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name, account number ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Mortgage

Wells Fargo bank currently has a case for fraudulent activity. Loan in XXXX. This loan had a higher than normal fees. Mortgages were modified without permission. In 13 years the balance on this mortgage did not budge, I believe there was some illegal activity with this mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, & EQUIFAX have been reporting inaccurate information on my credit reports. I am a victim of identity theft and my problem has not been resolved. I filed a Federal Trade Commission 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Hi, I opened my checking account ( account no XXXX ) in the branch XXXX XXXX XXXX, XXXX XXXX NY with a promo that would give me {$200.00} bonus if I make direct deposit of {$1000.00} or more monthly for 90 continuous days.However, I met the requirements but I don't see the {$200.00} bonus on my account. Tried to contact the branch but they were not able to help. Please refer to their advertisement below in the attachment.
Product: Credit card

Good afternoon, hoping you can get this removed from my credit report, it is saying I have all of these credit cards, and I do n't ... there are serveral removed ... first one names Imagine acc # XXXX paid as agreed, but is now under XXXX, so I want the Imagine off my report, because it no longer exist. also the same company is on my credit report twice with two different account number please remove one of them please remove both account # XXXX, also there is another two I need to please come off my credit report, name of the company is XXXX account number # XXXX. Please I hope you can remove all of these accounts main reason is because it is showing as if I have a lot of card. Please thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As early a s   XXXX   XXXX  , 2016 I disputed the accuracy of the reporting of   XXXX     XXXX   credit card accounts -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. I never received any response to my dispute so I wrote directly to the alleged creditor on on   XXXX   XXXX  , 2016.    XXXX  My understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable
Product: Debt collection

Credence Resource Management has been calling me a harassing number of times. I have asked them to not call, but I still get 3-5 calls in a day, up to 14 calls once during a 7 day period.
Product: Credit reporting or other personal consumer reports

I've sent a dispute of XXXX XXXX XXXX in XX/XX/. They never sent me any validation to this account, been way more than 45 days and still being furnished to my credit file. After disputed and cease of communication they can not contact me anyway which they furnish to my file. Furnishing incorrect information is against the law under 15 usc 1681. They must send me all verification and methods to this alleged account after requested. I am a human with rights that Congress gives to protect ourselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.