23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I hold a mortgage through PNC Bank, as well as a checking account and a home equity line of credit. My original mortgage was opened in XXXX of XXXX, although I have refinanced it twice ( both times with PNC ). Because of the mortgage account, PNC offered a free checking account ( and in fact, they require you to have it along with the mortgage ). 

On at least three occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), PNC has assessed a $ 15 monthly fee to my account even though this was not in accordance with the terms of the account. Two of these three charges overdrew the account. PNC has admitted the error was theirs each time and reversed the charges, including the additional overdraft fees. 

I am writing because this practice is unacceptable and puts an undue strain on customers. I should not need to police my unwanted checking account to make sure the bank is complying with their own policies.
Product: Credit card or prepaid card

XXXX XXXX ( aka Fidelity Rewards Visa ) promised a {$100.00} cashback bonus as XXXX reward points if I charged at least {$500.00} within 90 days ( which I did ). 

They have not yet provided the points for me to redeem, despite my repeated requests to them to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized credit inquiry was mad on XXXX by Capital Once 3 times so far on XXXX. 

Location XXXX CAPITAL ONE XXXX, VA XXXX Phone ( XXXX ) XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022 Additionally, another was made on XXXX with XXXX XXXX XXXX and their automated message system automatically goes to unauthorized credit inquiries as if this was intentional or expected? 

Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Requested On XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

UNFAIR OR DECEPTIVE ACT OR PRACTICE BY XXXX On XXXX, I placed a call to XXXX Card services to verify if me requesting a credit line increase will result to a hard or soft pull. On that day I spoke with XXXX XXXX services XXXX XXXX XXXX with XXXX ID # XXXX. I asked XXXX XXXX twice if requesting for credit line increase will result to a hard inquiry on my credit report and twice, she said no it will not. I told her that I am not consenting to any hard inquiry on my credit report and will not request for the credit line increase if it's going to result to a hard pull and she again assured me that it will not result to hard pull. XXXX XXXX was so Deceptive in her dealing with me on that day because i found out that she lied to me. Later that same day, I noticed an unauthorized had inquiry in my Equifax report. 

I would like to request that this unauthorized hard inquiry in my Equifax report by XXXX and XXXX XXXX XXXX be immediately deleted from my Equifax report. Such Deceptive behavior by XXXX staff XXXX XXXX with XXXX ID # XXXX is a violation of the Federal Trade Commission Act Section 5.

Copy of FTC complaint filed attached
Product: Debt collection

I am a victim of fraud and identity theft. I have a fraudulent account appearing on my credit file from Sunrise Credit Service. I have no knowledge of this account and demand that it be deleted asap. My federal rights are being violated. I have contacted the authorities.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for this Violations.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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: Mortgage

Chase offered XXXX XXXX points if we would acquire a mortgage through them. The loan officer told us we had to continually pull our credit through the closing process to retain all benefits related to the mortgage. Before closing, we verified the fulfillment of the term. Chase advised me that their teams weren't familiar and gave me misleading information and will refuse to honor the offer for the credit card rewards. 

Chase employees deceived me and misled me and refuse to honor their promise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did my taxes with XXXX this year I claimed the recovery rebate claim on there because I did not receive the first two payments of the Stimulus checks. On the tax return I processed the address I put was the address my cousin XXXX XXXX 's. She told me that was her address, but unfortunately it was her next door neighbors. When I did my taxes this year with XXXX XXXX, I paid them XXXX $ out of of my 3rd Stimulus for ID NOTIFY with Experian with a XXXX XXXX dollar insurance reimbursement. I have recently had my ID stolen from me, including all my online information. I placed a fraud alert on my credit profile early this year. My number is XXXX. Thank you. Have a blessed day.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), representing a fake company XXXX all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

It should be noted that the Scammer is a client of yours, registered as XXXX XXXX XXXX with committing financial crimes right under your nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX Bank account in the total amount of XXXX USD utilizing your services. 

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

XX/XX/2021 Certified Affidavit Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax and XXXX on 4 separate occasions with no response or removal. This is direct violation of 15 USC 1692 ( g ) Validation of Debts. Not only have I not given the credit reporting agencies written consent to furnish my consumer report at no time per 15 USC 1681b. I am prepared to file with the federal courts about the continuous back and forth with the credit reporting agencies who clearly know that they are in violation of the law. It clearly states that once I notify each credit report agency of my identity theft a removal of the account or information is to be removed while under investigation. I as the the consumer is also the person to identify this information for validation but not one person has called me to verify anything.
Product: Credit reporting or other personal consumer reports

On Friday XX/XX/XXXX, I went to XXXX XXXX to inquire about a XXXX XXXX XXXXXXXX. My plan was to use my existing car loan offer from my personal bank at XXXX. Upon meeting with XXXX XXXX, I discovered my loan offer at XXXX was not great enough to cover the expense of the car. I agreed to allow them to run my credit 1 time with the bank they use for car loans. XXXX XXXX ran my credit 8 times totaling 8 hard inquires on my credit. This is fraudulent. I never agreed to the hard inquires involving : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The only authorized inquiry should have been from XXXX XXXX XXXX Finally, what is the most criminal about this entire experience is that XXXX XXXX was selling me an insufficient vehicle that required a new transmission. Yet, they knowingly tried to sell me the car thousands of dollars above its value, thus why I got denied for the loan from all these banks, because the car was red-flagged. I sincerely hope to receive help for these hard inquires. Thank you for the consideration.
Product: Checking or savings account

XXXX XXXX with Capital One references a check deposited from a XXXX XXXX and the account, a XXXX XXXX XXXX, linked to my 360 checking at one time as supposed proof I received funds from a check issued by Capital One..The check in question in the amount of XXXX, was intercepted while I was away, my signature forged on it and cashed to the XXXX XXXX XXXX . A XXXX XXXX is trying to imply that the one time linking of my account to XXXX XXXX XXXX and the check deposited from XXXX XXXX to my Capital One account is proof I received funds.. My signature was forged on the check, I was in XXXX XXXX at the time, from XX/XX/XXXX to XXXX. A XXXX XXXX picked me up, drove me to XXXX XXXX XXXX for my flight. I can get a statement from this person as well as a copy of Hotel stay showing I was not available to receive, sign check, cash it and receive funds. Needless to say, the information provided from XXXX does not prove receipt of funds. The XXXX XXXX XXXX account was linked fraudulently, it was removed by a Capital One rep shortly after. The check which she references as deposited to my Capital One account from XXXX XXXX 's account occurred well before check in question was even sent out, on or around XX/XX/XXXX. Failing to reach a resolution, a suit needs to be filed. I've requested the address to mail a notice of suit to, XXXX replies with a third party web-site which I will not visit. I understand this third party is responsible for filing of such suit, however, Capital One needs to provide the address to send to, I wont do their work for them. I would also request solid proof I in fact cashed the check and received funds from, which they do not have. If they check signature on file, they will see the check they resent on or around XX/XX/XXXX was not signed by myself, they can compare it to the prior check which was in fact received by myself on XX/XX/XXXX, deposited to my XXXX account and they stopped payment on in error. .Had they left well enough alone, allowed more time, stop payment would not have been necessary. in closing, please advise XXXX/Capital One it would behoove them to resolve this rather than continue to receive complaints.
Product: Mortgage

I am writing to report Shellpoint Mortgage servicing for providing inaccurate regular monthly payment on their first statement to me since my loan was transferred to them on XX/XX/XXXX. 

Prior to that I was making my mortgage payment to XXXX XXXX. I also want to note that even though I was making my payments to XXXX XXXX, the loan was assigned to XXXX XXXX  XXXX XXXX. 

I am currently in bankruptcy proceedings and in XX/XX/XXXX, XXXX Mortgage XXXX filed for a motion to dismiss the bankruptcy prior to confirmation due to a delinquent amount with XXXX XXXX for {$12.00}, XXXX. 

Per email from my bankruptcy attorney, she informed me that she had a tentative agreement with the counsel for XXXX XXXX  XXXX XXXX that if I got current on the first mortgage payments, that they would withdraw their objection. 

I made the payment to XXXX XXXX for the amount stated by XXXX XXXX  counsel for {$10000.00} ( XX/XX/XXXX to XX/XX/XXXX ) and then also added another {$2100.00} to cover for the XX/XX/XXXX mortgage payment. 

Thus, the next mortgage payment was not due until XX/XX/XXXX. 

I logged on to the XXXX XXXX payment portal on XX/XX/XXXX to make the payment and got this message The loan status does not allow for online payments. Please contact customer service at XXXX to learn about your options. I called the number and this is when I learned that my mortgage had been transferred to Shellpoint Mortgage. 

I immediately shellpoint mortgage and created an online account to make the mortgage payment for XX/XX/XXXX. This is when I found the wrong monthly mortgage payment represented on the mortgage details page. 

I have well documented evidence that I was fully caught up with my mortgage payments with XXXX XXXX XXXX  and I would like for Shellpoint Mortgage to explain how they came up with a regular monthly payment of {$6400.00} instead of {$2100.00}. 

Their co-operation is this matter is highly appreciated. 

Please see attached documents to support my complaint.
Product: Debt collection

JPL Recovery Solutions repeatedly calls me even after I have told them to stop. The debt they are trying to collect is not mine and is that of a relative. I have cited the US Code that requires them to stop calling when I asked. They have threatened to continue calling and have told me on the phone that they will dock my relatives pay.
Product: Mortgage

A few days ago, I received a letter from Low VA Rates LLC. I contacted them and talked with an operator and she could not answer my questions/concerns. I asked to speak to her supervisor, and after less than a minute, they disconnected the call. 
The letter states that I have a mortgage with XXXX XXXX XXXX  XXXX XXXX The letter explicitly states that they do not represent this lender, but their records are have proven correct. 
This is an absolute lie. XXXX  XXXX XXXX XXXX is now under a different name, for one, and not only do I not have a mortgage with XXXX  XXXX, I do not have a mortgage period. I have contacted my congressperson 's office and was advised to file a complaint with the FTC. I believe this is an attempt at identity theft or outright fraud from either one or both of these companies.
Product: Debt collection

I have requested requested verification and validation of debt per my right under the FDCPA section 809 A and B. The information being reported on my credit report is not mine and I am requesting proof these account are mine. I am aware of my rights and will seek actual and statuary damages to protect them for each violation. This company has failed to provide this documentation to me in a timely manner. If the CFPB can not help me then I will have no other choice than to hire an attorney and sue for damages.
Product: Debt collection

Received an email from XXXX representing Ace Cash on XX/XX/2017 formatted like a legal document. Titled Garnishment Notification and Arrest Notice. Also, has XXXX with a seal at the bottom of the email.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Sections 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) require the three credit bureaus to validate these accounts. It is not authorized to fail to authenticate these reporting accounts as unverified information without giving proof within the time range required by law. My credit report has the following incorrect information, which needs to be examined and corrected. 
XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX : {$0.00}
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 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Hello, I have been now requested to provide a verbal or written clarification on the Hud Settlement Statement attached where I underlined. 

I gave a verbal and requested a update again from the Title Company. 

I received the update from the Closing Attorney for the buyers side by email for the requested information. 

The Miscellaneous section on the Hud Settlement was verified to be XXXX XXXX Taxes no money coming to the seller. 

Now I received the runarounds again and I have to go back to court on XX/XX/2021 with no approval for the short sale again and all of these attached documents requested have been emailed and uploaded to my servicer account. 

I am not trying to be a nuisance, just trying to get my voice to the right department head. 

Please assist. 

XXXX XXXX XXXX XXXX # XXXX XXXX
Product: Mortgage

I have been calling Mr Cooper since XX/XX/19. They have been collecting my tax impounds for a year and havent had to pay out taxes since the builder prepaid for a year. Ive have had my company run a tax analysis and I have a surplus of funds that I want refunded to me so I can pay my supplemental taxes. They currently have $ XXXX in my escrow account. I know legally they can not hold all that money in a non interest baring account. I work in mortgage and I know how it works and I can not get any resolution with them. Please help
Product: Vehicle loan or lease

Subject : Dispute of Closed Account Impacting Credit Score, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to you in reference to my credit report, specifically regarding a closed account that is adversely affecting my credit score. 
Upon reviewing my credit report, I noticed that a closed account, XXXX, is still listed, and its presence is negatively impacting my credit score. The account in question has been closed for [ mention the duration it has been closed ], and I believe its continued appearance on my credit report is inaccurate and unjustly affecting my creditworthiness. 
As I am currently in the process of working towards securing a mortgage to purchase a home, it is crucial for me to address and resolve any discrepancies on my credit report promptly. The presence of this closed account is hindering my efforts to build a positive credit history, which is essential for my home-buying goals. 
I kindly request a thorough investigation into the reporting of this closed account. If it is found that the reporting is inaccurate or incomplete, I request that you take the necessary steps to correct my credit report and remove this closed account from my record. 
I appreciate your prompt attention to this dispute and request that you provide me with updates on the progress of the investigation. Please feel free to contact me at XXXX XXXX XXXX or XXXX if you require any further information. 
Thank you for your assistance in resolving this matter promptly and helping me achieve my goal of homeownership.
Product: Credit card

There are fraudulent charges on there account and they just closed it without investigating and it hit my credit score hard.
Product: Credit reporting or other personal consumer reports

According to 15 usc 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

This is a clear violation of the FCRA this needs to be removed immediately this meet the requirements of the CDIA to even be reported my next letter will be a Letter of intent to sue
Product: Credit card or prepaid card

I XXXX XXXX, a natural person and consumer, recently applied for money, goods or services primarily for personal use on credit with Marcus : by Goldman Sachs. I then received a letter informing me that their organization was unable to approve my application. As a result, they have failed or refused to issue me an account as a creditworthy consumer. 
As you know or should know, it is prohibited to take adverse action against a consumer pursuant to Equal Credit Opportunity Act codified at 15 USC 1691c for which they may be held criminally and civilly liable for your violations of 15 USC 1642, 1681m and 12 CFR 1002. 
Pursuant to 12 CFR 1002.7 A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. 
Please referenced the attached evidence as proof of my application for credit and your refusal to extend credit. Pursuant to 12 USC 1602 ( p ) Marcus : by Goldman Sacks have made unauthorized use of a credit card by utilizing my social security credit card in which I received no benefit. 
Pursuant to 15 USC 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus Marcus : by Goldman Sachs fraudulently used my credit device to obtain money and provided me no benefit from such use.
Product: Credit card

I have reviewed my credit report and noticed some errors being reported by Discover on my credit file. I disputed the errors with the bureaus and Discover verified them even though that each bureau has different information. On XXXX/XXXX/16 I then sent a letter to Discover asking for documents to review and verify information reported and they ignored my request. On XXXX/XXXX/16, I sent another request to where they replied with a letter stating the account was settled in less than full and everything was reporting correct. Unfortunately it is not the case, the information being reported is different across all XXXX bureaus. I am not disputing if account was settled, I am disputing the accuracy of information reported as afforded to consumers by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and I have continued to reach out to Experian and they still have not removed these accounts from my report! I filed a police report, filed an FTC report, Submitted all documents to them and still have not removed it from my credit report. They are reporting incorrect and false information. Please have them remove these accounts from my credit report. Thank you.