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

on XX/XX/XXXX became aware that PNC bank had not set up autopay for the {$7.00}. I was travelling, called in PNC spoke to account rep, who said it was taken care of. On XX/XX/XXXX I got notice that my credit score dropped from XXXX Excellent to ( depending on agency ) between XXXX to XXXX. I called in again, I spoke with a recovery manager, XXXX, who said he had updated the information for the credit bureaus, and listed it as a bank error and NOT my delinquency. I was told this process would take at least a full billing cycle to correct, and PNC would not provide me with a letter confirming the bank error and not my delinquency. XXXX said, credit bureaus would update faster than PNC being able to provide me with a letter acknowleding this bank error. 

This is absurd. I've never been late even 1x, nor ever deliquent. I use only 4-5 % credit. The amount now was {$27.00}. When I travel, my usage can be higher and I ALWAYS pay it down when I return and NEVER pay minimum payments. this is totally unacceptable. 
It is a bank error and I have to wait 30 days or longer to get this to update on the credit bureaus. I need to apply for a loan now not next month. I have filed disputes with them, XXXX and XXXX. why can a bank, acknowledging it was their error, be allowed to get away with affecting someone's credit this way and not fix it immediately? 

I called again, They put me through to XXXX in Escalation department ( XX/XX/XXXX ). Although everything is in the record, she had to research what was in the record ( not complicated stuff ) and promised a call back. I called again and the bank said she would call me by XX/XX/XXXX at XXXX. another absurdity. 

My loan interest rate will be significantly higher because of this error and their error is a major cost to me. they need to update IMMEDIATELY for their error and not have me wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion keeps reporting a charge off account as a recent charge off more than twice within the same year and my score has dropped each time that the account was reported. This account was originally charged off in XXXX and twice in XXXX of XXXX and again on XX/XX/XXXX XXXX XXXX has erroneously reported this account as being recently charged off which reflects in a score decrease each time.
Product: Mortgage

I was divorced in XXXX and filing for a release of liability through phh mortgage to get the ex removed from the mortgage. 
XXXX - they received the release of liability package XXXX - the release of liability goes to underwriting XXXX- they cash the check for the release of liability processing fee XXXX - the do a hard credit inquiry call repeatedly between XXXX and XX/XX/XXXX. Told that it take 40-60 business days for the underwriting department to process the request. 

It is now day 62 and they again checked my credit XX/XX/26. I call again and the escalation manager tells me someone is going to call me today but he has no information. 

I am under court order to complete this process in 120 days, 120 days was XX/XX/XXXX. I am waiting for the release of liability to complete so I can close on a home equity line so I can buy my wife out of the house, but can not complete this until she is off the primary mortgage. 

I have XXXX in equity in my home and only owe XXXX and have been with them 15 yrs. They can see from the tax returns in the release of liability package I have been making the payments on my own as my wife hasnt worked in 10 yrs. I make XXXX a year and have a credit score of XXXX. 

There is no reason this process should take this long.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report and I found several items to be inaccurate. In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX  ACCOUNT NUMBER XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX  ACCOUNT XXXX XXXXXXXX, XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT NUMBER XXXX, XXXX XXXX  ACCOUNT NUMBER XXXX, XXXX ACCOUNT XXXX. 

These fraudulent accounts have led to the said hard inquiries on top of several collection accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 : states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681C. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I didn't authorize none of these companies to run my credit for any car I doesn't have no car I haven't tried to go get a car I see the companies ran my credit without my permission plz help me get my credit back right thanks ...
Product: Credit reporting or other personal consumer reports

Called TransUnion credit reporting company. Explain to customer rep Im not able to view my credit report online. was given XXXX case numbers. XXXX, XXXX, XXXX as of today. still not able to view my credit report online.
Product: Credit reporting

I contacted XXXX XXXX in order to pay off an outstanding balance on a credit card that had been charged off and was instructed to work with XXXX XXXX 's attorney. I spoke with them and they offered to settle the account and mark it as paid on my credit report and remove an associated judgement. I made the payment and now they are not changing the balance owed on my credit report. I have the offer letter and a copy of my receipt so the balance should be changed to {$0.00} and the utilization percentage on my credit report should also be changed to {$0.00}. I disputed the amount on my credit report and they reported that the balance is correct, which is untrue. I believe their actions are at least unethical, if not illegal.
Product: Credit card or prepaid card

I went to the PNC Branch ( XXXX XXXX XXXX, XXXX, PA XXXX ) to replace a lost Credit Card. The card I wanted to replace had a limit of {$1600.00}. A few days later I get a PNC Credit Card and I assume it's my replacement. 

However, I learned that it's a new credit card I DID NOT APPLY for. It has a limit of {$11000.00} and the interest rate is 5-6 % higher than my previous one. 

I contact PNC to show me where I signed-off on the new card application. Provided nothing. Contacted the branch, no help. 

I learned they were pretty much doing what XXXX XXXX was doing to incentives their employees buy opening as many accounts as they can. 

Additionally, my credit report doesn't even show this $ XXXX credit card on my report. 

I've been paying 23 % on this card which I NEVER applied for.
Product: Debt collection

I previous sent a letter to this company telling Spring Oaks Capital XXXX don't contact me about some bogus account they claimed I had with Indigo in year XXXX. They have continued to contact me by mail and by phone the number is XXXX which I screenshot on my cell phone. I was a victim of identity theft last year and it also shows on my credit report. They sent a Bill of Sale that is Post Dated A Year Prior saying this is when they purchased the Debt on XX/XX/XXXX. I have never had an account with XXXX and would appreciate if they remove this from my credit report and stop contacting me. I sent a letter to them because I thought they were an account from me being in collage paying for books which account was paid off now they say it's a credit card that I never received or seen a day in my life.
Product: Checking or savings account

Every time I apply to open a checking account it says Is unable to open up account for me due to early warning consumer reporting agency
Product: Debt collection

On XX/XX/2021, I received two back to back calls while I was at work. Since the number was a local one I answered but was having trouble understanding the lady on the other end so I told them I would end the call and step outside to return the call. 
When I returned the call I gave my full name to a woman named XXXX who answered. She told me she would transfer me to the correct department and then the phone was answered by a woman who identified herself as XXXX. I again told her my first and last name and that I was returning a phone call and asked what the call was regarding. She told me she couldn't tell me what the call was concerning until I confirmed my social security number with her. I responded that as they had contacted me and had not even told me what company they were and that I was not going to give out my private information to someone over the phone. She told me that she didn't have to identify her company or the reason that she was calling until I gave her my social security number. 
I even asked if this was for a debt collection or something similar and she told me she wasn't going to give me any information because the law prevented her from doing so. 
I told her I would just end the call and block the number to which she replied that if I did she would put a note on my credit file which would cause my credit score to fall. 

I ended the call and called back to speak with someone else. Again XXXX answered the phone. I once again gave her my full name and told her the situation that had just happened. She told me that again they could not give out any information without my social security number. I asked her to identify what type of business she worked for and she told me they " do many things. '' I asked if there was a supervisor I could speak with about the illegal comments that were made to me by XXXX and was told that the only person above her was the owner who did not have time to deal with me. When I mentioned that I believed that the company was acting in a illegal manner by making threats and that I would be reaching out to consumer protection agency about this incident, XXXX suddenly switched from antagonistic to pleasant and told me that she would be happy to set up a call back with the owner who previously did not have time to deal with me. 
I ended the call. 
A few minutes later I did call back to verify the information of who I spoke with, the company name and address, and the owners name. 
The info provided to me was : Adela XXXX XXXX XXXX XXXX, XXXX, MS XXXX XXXX Owner 's name : XXXX XXXX Never once did either agent on the phone identify themselves as a debt collector even when directly asked. They were evasive of my questions and kept asking for my social security number.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of numerous accounts that were open not by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Collection Agency Name : XXXX XXXX  Collection Agency Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  In accordance with 15 USC 1692g , I, XXXX XXXX XXXX a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. 
The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. 
I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>XXXX {$690.00} cash app loan that I didn't request. Was hacked and tried to resolve and they wouldn't help.

XXXX  a purchase of {$570.00} to guns.com I told the cash app that I didn't make a purchase and they told me to reach out to the merchant myself and I received no refund XXXX 4 more purchases were made after I contacted them the first time and they did the same thing. Told me to reach out to the merchant myself or the bank. Lost another {$850.00} I still have cash app and I still see fraud transactions being made but declined only because I took my money off the account
Product: Bank account or service

I have been using paypal to pay my friends and family for monthly rent, large rental deposits, travel expenses, and other minor payments. PayPal opted to freeze my account without warning and has frozen {$5500.00} in funds for an absurd time period of 180 days. I need this money to get to my roommates for rental expenses owed. PayPal is not willing to release these funds sooner than 180 which is wildly over the top and abusive.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score ( account name XXXX XXXX XXXX Account XXXX. 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 investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with equifax several times. XXXX XXXX gave me this as proof that it is my account. 

This is not my signature or social security number so the investigations I have requested are not being done properly by equifax. I am demanding equifax do a proper investigation and have XXXX XXXX match ALL information and delete this file because they have not verified my account. 

This is a complaint to be filed with equifax for not doing a proper investigation. Equifax continues to say that the social security number matches up but it does not. 

... ... ... ... ... ... ... ... .. 

My information XXXX XXXX Date of birth. XXXX Social Security # XXXX
Product: Credit reporting or other personal consumer reports

XXXX is reporting information on my credit reports also has another company the operated with sister company to report information thats not accurate I keep getting denied because XXXX is reporting accounts thats is do from identity theft I sent police reports and ftc report copy of my id gas bills to show proof of my identity but for some reason XXXX remove the debt than added it back on saying the companies sent them a police reports to add it back on I ask to get a copy of what ever they had to prove the debt was validated I was than told to contact the actual company which I did and get no where they refuse to speak with me and also I think they running crime organization by selling debt and keeping it on a some type of payment but each time they denied me I was denied credit and could be losing my home do to the poor action they refused to investigate the matter. please help me XXXX keep saying the accounts was remove but they are not I showed on my cfpb accounts they removed the accounts but on my credit report they did not I also will showed that the agents is operating my personal information telling me I cant dispute because I need a new reason to do so.denied me a complete accurate credit report. my point went from XXXX to XXXX there something wrong they also reporting on different account which is not accurate on XXXX and XXXX XXXX is diffrent and on scoresenses is not reporting the same diffrent date inquiry and my addresses I dont give XXXX permission to sell or give my information to any one I also know they reporting transaction date in giving personal information my credit report without my permission I dont think its fair for any comapines to give out personal information putting me in danger to be hack hurt or stalk I wish to get help with this matter. accounts is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX dpt educations XXXX XXXX I also gave police reports and ftc reports so they can remove the accounts.
Product: Vehicle loan or lease

I, XXXX XXXX entered a consumer credit transaction with Santander Consumer on XX/XX/XXXX, which involved a finance charge pursuant to 15 USA 1605 ( a ) a finance charge is the sum of all charges in a consumer credit transaction and does not include cash. Santander Consumer has been collecting monthly payments from me since XX/XX/XXXX which is in violation of 15 USC 1605 also Santander Consumer failed to disclose to me my right of recession and provide me with the appropriate form to exercise my right which is in violation of 15 USC 1635. On top of that Santander Consumer, is in violation of 15 usc 1692e ( 11 ) because no one informed me that this is an attempt to collect a debt in the initial communication. Also, Santander Consumer is in violation of 15 usc 1692f ( 8 ) unfair practices, because Santander Consumer 's Logo/ their symbol is on the envelopes. Santander Consumer is also in violation of 15 usc 1692g ( 3 ) because they failed to inform the consumer ( me ) of the opportunity to dispute the validity of the alleged debt within the proper time frame. Santander Consumer threatened to harm my reputation by reporting my payment or missed payments to the credit bureau which is in violation of 15 USC 1692d ( 1 ) .Santander Consumer is in violation of 15 USC 1692d ( 2 ) by using profanes and obscene language. Santander Consumer is in violation of 18 usc 1342 by using the mail to device artifice letters. Santander Consumer, is in violation of 15 usc 1692e ( 2 ) by falsely representing the character and amount of alleged debt.

In the attached documents you will see exhibits that support my claim. This is detailed information and my demands are clear and concise, 1 ) have a knowledgeable representative look over my complaint, 2 ) don't allow Santander Consumer to send a generic or vague response or respond to me directly 3 ) have Santander Consumer Report to me here for my record. I Grant Santander Consumer and the competent representative to respond via cfpb. 4 ) Hold Santander Consumer to the highest standard of the law and don't allow them to just reply with anything and close the complaint. As a federally protected consumer under the title 15 chapter 41 my rights have been violated and Santander Consumer is criminally liable pursuant to 15 USC 1611 and also civilly reliable pursuant to 15 USC 1640 and 15 USC 1692k.

I mailed ( certified mail ) Santander Consumer a debt validation letter and a cease and desist along with and opportunity to correct their abusive acts/ practices in the form of an invoice on XX/XX/XXXX all I got was the fraudulent contract. I also mailed ( certified mail ) a notarized affidavit of truth and the exhibits also an invoice to Santander Consumer on XX/XX/XXXX, XXXX.I 'm sure by using your rights under 12 usc 5531 you will hold Santander Consumer reliable for prohibited unfair, deceptive, and or abusive acts or practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.I have made a report with the FTC identify theft. Enclosed is a copy of the report. 
XXXX XXXX XXXX Originally came fro XXXX XXXX in the amount of {$1900.00}. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I have filed a FTC identify theft report enclose in my complaint. 
I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported that on XX/XX/2018, an inquiry to my credit file was made by : XXXX   XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, NJ XXXX This alert was conveyed to me by XXXX - through XXXX XXXX. 

Upon research, the XXXX XXXX XXXX ( XXXX ), which referred to the company as XXXX XXXX XXXX, had rated this company with an " F '' and indicated that there were 50 complaints against the business. Further research revealed numerous consumers documenting online at various website about multiple inquiries to their credit file by this company even though they had not applied for a mortgage.

I also did not apply for a mortgage on XX/XX/2018 nor have I had any business in the past with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes for inaccurate information that has been put on my credit report and XXXX refuses to investigate properly so that the items can be removed. XXXX wont reinvestigate although i have advised them some of the accounts are not mine. I have been trying to get these accounts removed for over 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a debt validation request to them and have not received any response. This debt is not valid. I had issues with XXXX and this account never should've been sent to collection. I do not owe them the amount that they are indicating. I had major issues with this account from XXXX and unauthorized charges. I would ask that they remove this account from my credit report and send the account back to XXXX so I can deal directly with them. I have been harassed by Diversified Consultants for a long time now.