23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX my wife first talked to a loan officer from PNC bank, they offered us a great rate but refused to send us a written loan estimate. We then had another conversation together on XXXX XXXX. During this conversation the loan officer repeatedly refused to give us a written loan estimate, or any written form of information regarding the loan, estimated closing costs etc. He refused a soft pull on my credit and said they can only provide a written loan estimate if we commit to his bank as the mortgage holder and agree to a hard credit pull. He also mentioned that once he hard pulls my credit it would negatively impact my credit score. I had informed myself beforehand that multiple hard credit scores during the mortgage loan search would not impact me negatively until two-four weeks later, and that multiple hard pulls for such a search would be treated as one by most credit scoring agencies. After some back-and-forth, he finally agreed to send us a written loan estimate but made me agree to have a hard credit pull. I thought that this was part of us shopping for a good mortgage. In messages later that day, it became clear that he thought we had agreed to take the PNC bank as our mortgage holder. When I told him again I just want to see the loan estimate, he told us in writing that I narrowly made the best rate with my credit score and that I CAN NOT have any other lender hard pull my credit or I would loose that rate. He also immediately told us that we would have to pay for the credit report and potentially the application fee, if we aborted at this point, even though we never agreed to a loan in writing before and had not received the loan estimate yet. We finally get a look at the loan estimate the next day and they also had sent us a charge for the credit report and the application fee. At this point we made it clear that we do not intend to move forward with them. They then changed the charge to just the credit report fee of {$75.00}. We paid the fee and that was the end of it. We have had no such issues with any other potential lender that we reached out to. The PNC employee 's words and actions were clearly misleading and pressuring us into simply accepting the terms he was offering.
Product: Money transfer, virtual currency, or money service

I am filing 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 redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX is reporting inaccurate information on my report from XXXXXXXX XXXX XXXX and I have never stayed there or applied. I think this is XXXX
Product: Credit card

While I was traveling abroad, Bank of America unexpectedly closed my account without prior notification. This sudden closure caused significant inconvenience as I was unable to access my funds during a critical time. 

Moreover, I had accumulated {$580.00} in rewards, which I intended to redeem. However, Bank of America has refused to honor these rewards in cash value, further compounding the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cancelled my account with Lexington Law in early XXXX because I did not see any change in the work they had done since I began with them in XXXX. At that point in time I was told I would be charge two months of service {$140.00} each month. I told them I did not want service because they had made no changes to my credit, and I began working with another credit repair company. Lexington Law says I will be billed one month of service, {$140.00}. I do not believe I am obligated to pay since I received no services regarding my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I are being defrauded deliberately by a system that provides inaccurate reporting. In any other society this would be a crime but evidently not in America. That incorrect data is used as a basis for considering lending. In this case a mortage but this has impacted us for years as your multiple reports and complaints indicate. You have done NOTHING as an alleged protection agency to do anything about this hence under known definition of law you serve in my opinion as an accomplice to the crime. Yes it is a crime if that data is incorrect and you knowingly submit it. As for the banks- A number of accounts have XXXX  balances. This reporting entity as all the others use this cop out- '' error icon There may be a gap in the time that your payment is posted by the credit grantor and the date it's reported to XXXX to be recorded on your credit report. We'll update your balance as soon as we receive your payment information from your creditor. '' This is the essence of what be believe a scam to increase profits and keep citizens indentured. Now please do not send me an email " this seems like a previous complaint '' - IT IS! they do not even read them or if they do have no evident capability to comprehend what is wrong. Now to boot- we have asked all the creditor to submit a fax to all agencies with the correct zero balances. Some have done this weeks ago but just now the old balances were posted. IF these were not scams why isn't that done? Sadly, you all claim to be honorable and capable. In my opinion on each count evidently not even close. OH and learn how it works- are you for real! Finally how about fixing your auto fill that does not work. Is this maintained off shore as well? Unbelievable even your correction review does not work! Lets see if you even read this? THERE IS NO XXXX. MIDDLE INITIAL OR XXXX. IN MY WIFE 'S [ FEMALE ] NAME!!!! XXXX
Product: Debt collection

Portfolio Recovery continues to collect on debts that were charged off XX/XX/XXXX it is 9 years later and they still continue by callilng from different phone numbers and states. They called last week and again on XXXX/XXXX/XXXX at XXXX.
Product: Debt collection

I contacted XXXX today, XX/XX/2011, after repeated phone calls to myself ( sometimes multiple calls per day ) as well as to family members -- in order to request their address so I could send a registered-mail written request to cease & desist phone contact as well as to request a written notice of the debt. 

I was abruptly interrupted & asked if I was going to pay this debt. I responded that I was not going to have that conversation at this time & repeated my request. I was again interrupted & the agent began shouting at me, disregarding my request & asking me if I was going to pay the debt & why I was n't. I requested their address a third time & stated that I would be contacting the FTC, at which time the agent said she was transferring me to a manager. At this point I hung up & called FTC. 

The agent did tell me that the debt was in the amount of {$6800.00} / Chase Bank, which according to stale debt/time-barred legalities, exceeds the statute of limitations as this account was closed & has not been paid on for at least seven-years.
Product: Credit reporting or other personal consumer reports

After being contacted numerous times by the creditor seeking an alleged debt which is against the law and violates my right of privacy, I've then reached out to them asking them to verify the debt with the proper documentation. The documentation that I asked for included signed signatures and agreement between me and the creditors in which failed to provide me. I have no knowledge of the creditors seeking this debt in which they unlawfully reported to the credit reporting agencies. TransUnion is reporting this account to my consumer report but the accounts and information listed in my dispute letter does not belong to me nor have the permission to be reporting. I am aware that in order for any account or information listed on a consumer report must. be verifiable and accurate ion which these accounts aren't. By TransUnion reporting this inaccurate information, my credit score is being negatively impacted which impairs with my ability to obtain housing or funding or have any potential relationships with banks or lenders. I am asking that TransUnion investigate my dispute letter and remove any information that's not verified or accurate. I understand that consumer reporting agencies. must do what's fair and equitable for the consumer in which them reporting information that has no legal right to report isn't fair nor equitable for me. Never did TransUnion have the right to furnish a consumer report on my half which is a violation. Attached to this complaint is a copy of my dispute letter with the accounts and Information that I'd like removed from my consumer report. 

Violations committed by TransUnion and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$1800.00} Account Name : XXXX  XXXX # XXXX XX/XX/XXXX - Balance : {$1800.00} Account Name : XXXX  XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$210.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$130.00} Account Name : XXXX XXXX  # XXXX XX/XX/XXXX - Balance : {$210.00} Account Name : XXXX  XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  XXXX  # XXXX XX/XX/XXXX - Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I paid for credit monitoring and fraud protection with Experian and even with my freeze activated hard inquiries are still able to be on my credit report. Also, there are a number of accounts with wrong information still on my account after I report it to the agency about the misinformation they told me an investigation would be underway, but nothing ever came from it
Product: Checking or savings account

On XX/XX/2022, I logged on to my Bank of America online account and noticed an additional phone number and email address that are not mine, nor did I add them to the account. On XX/XX/2022, someone added accounts to my existing bank account. I have all alerts set up through BOA, but they did not contact me. The phone number and email were deleted once I called BOA. Since my account had already had fraudulent activity, it is beyond my understanding how BOA could allow an additional phone number ( used for multi-factor authentication ) and email addresses to be added to my online bank account. Upon speaking with the fraud department I was told they do not have any explanation for why this was allowed to happen nor can they protect my account from this happening again, since it appears someone has my social security number and name.
Product: Money transfer, virtual currency, or money service

A transfer was made from my father 's Estate 's Brokerage account into my bank account for around {$16000.00}. 

Shortly thereafter, my account was blocked. 

Originally I'd called and asked Capital One why my account was locked, as per instructions online. I called several times the XXXX  I gave information as to the origin of the money, which was from the brokerage account. This was not the XXXX  time I'd transferred money from said account, either. 

During this call, the lady on the phone told me that Capital One would no longer be doing business with me and that my money would be mailed to me via check or send via XXXX transfer and that my accounts would be closed. This was not an issue. A bit disappointing, of course, but it wasn't a huge concern. 

After not hearing back for a few days, I'd called back again, where I was told my account was under investigation and that my account was not closed. Naturally, I was confused, because I had been told the opposite a few days prior. With the investigation on-going, I let it sit for some time. 

I called XXXX more time and was met with the same story. 

Now some time later, I see that all of my Capital One accounts are closed, and that they're transferred all the money in said accounts to an account they seemingly can not disclose. ( Information I was given after I called them, but I was never reached out to as far as I'm aware. ) Naturally, this is an issue because not only is my money now missing, I do not even know where I'd begin to look to retrieve said funds.
Product: Student loan

I made 4 payments last month in XXXX and they posted NONE of them to my account and say I'm past due. The first phone rep I talked to was not helpful at all ( I can understand her disbelief in my payments not getting posted, because I couldn't believe it myself but STILL! ) I submitted my bank statements through their " upload '' feature and they disappeared. I emailed : no response. I submitted a customer satisfaction survey ( VERY unsatisfied ) and EVEN THEIR SURVEY wouldn't work and let me submit it! I called back and talked to a different phone rep and they told me it could take 90 days to verify my payments. I asked about my having my bank reverse the payments and resubmitting and the first rep said, " well, then you'll be late. '' So I guess I have to wait around with a past due notice hanging over my head and the equivalent of two mortgage payments basically stolen from my bank accounts. Funny thing is that I was paying DIRECTLY THROUGH THEIR WEBSITE because I had issues with my payments being credited to my account when I used other payment methods ( bill pay from my checking account ). If I had used one bank account, well maybe I mistyped my account number, but this happened with 2 different accounts ( a checking and a savings ) from 2 different financial institutions ( a bank and a credit union ) and the money came out of my account as expected -- at this point, I basically feel like EdFinancial stole my money. And unlike a car loan or other type of loan, a student loan is not so easy to switch loan servicers! I feel trapped and abused and dismissed and BROKE!
Product: Credit reporting or other personal consumer reports

I sent again a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$22000.00}
Product: Debt collection

On XX/XX/2022 I was admitted as an indigent patient ( at night ) to the Behavioral unit of XXXX XXXX XXXX in XXXX XXXX XXXX Florida. I was released on the morning of the XXXX. I received a bill for services from XXXX XXXX associates in the amount of {$710.00} which I paid in full online on XX/XX/XXXX. On XX/XX/XXXX, I received a voicemail from a debt collection agency, Medicredit that I owe, for the same service, total of {$2600.00}. I called them on XX/XX/XXXX, for an explanation and they simply told me I owe the debt. I explained that I never received a debt collection letter in the mail and needed to see how this debt originated. I verified my address and they assured me that one would be in the mail. On XX/XX/XXXX, they left me another voicemail about the debt. I called Medicredit on XX/XX/XXXX and explained that I still have not received the debt collection letter in the mail and it's been over XXXX days. Because I believe I had to protect my rights I sent a validation of debt request to Medicredit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct this erroenous account being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$200.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in identity theft. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter.

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within four business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX XXXX XXXX XXXX INQURIES BEING CHALLENGE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney.

Please acknowledge this letter and provide a timeline for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense XXXX  and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Experian NEVER received my written permission to report the XXXX XXXX XXXX XXXX account, which means they are already violating 15 USC 1681b ( 2 ) by reporting this account without my written authorization. But it doesnt stop there. Experians failure to ensure accurate reporting also violates 15 USC 1681e ( b ), which explicitly requires credit reporting agencies to maintain maximum possible accuracy in the information they report. This negligence demonstrates complete disregard for federal law and my rights as a consumer. Despite multiple disputes regarding this account, Experian has willfully refused to remove it, which constitutes repeated violations of 15 USC 1681n and 15 USC 1681o. These actions demonstrate both willful and negligent noncompliance with the Fair Credit Reporting Act. By continuing to report this inaccurate information, Experian is knowingly disregarding federal law, which exposes them to liability for damages of at least {$1000.00} per violation, plus additional punitive damages for willful misconduct. This unresolved account has caused severe harm to me, including emotional distress, damage to my reputation, and financial loss. I demand immediate removal of this account from my credit report. Experian must confirm this action in writing and provide an updated report without delay. Failure to resolve this matter will result in further legal and regulatory action. I trust the CFPB will take appropriate action to ensure Experian complies with federal law and ceases these harmful practices immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's report shows that my car has been stolen. XX/XX/18, I discovered this when I tried to sell my car and the buyer declined to make me an offer because of this information. XX/XX/18 - XX/XX/18, I tried to call XXXX, but the phone number on their website doesn't seem to work because it is always busy. XX/XX/18, I was able to connect with XXXX and got a case #. They refuse to correct this error unless I provide them documentation. My car has never been stolen. I have the car, I own the car and I have a clean title in my possession ( I sent a copy of my title to XXXX  XX/XX/18 ). XX/XX/18, The Texas XXXX has no record of my car being stolen and said for me to tell XXXX to call them. XXXX will not call them because " it takes too long for Texas DMV to answer '' - about 15 minutes. XXXX will not respond to my emails through their online system or return any of my calls - even after they promised to call me back. 

My request is very simple : I want XXXX to fix their erroneous data showing that my car was stolen asap.