23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PNC has committed fraud towards me and in regards to my HELOC Home Equity Line of Credit. The interest rate they charge is contingent on several factors. One of them being that I receive a 1 % reduction in rate if I pull $ 30k from the line and carry the balance for at least 3 billing cycles. Right when my HELOC closed, I called in on XX/XX/XXXX at XXXX and spoke to XXXX XXXX on a recorded line ) who was very helpful. She confirmed the promotion of 1 % discount on rate for a $ 30k pull. She actually even completed the transaction for me over the phone, pulling the $ 30k from the line and transferring it to my bank account. She also confirmed if I kept the $ 30k balance through XX/XX/XXXX, I would automatically receive the 1 % discount. I ended up pulling more money out and then noticed by XXXX that I did not receive my earned discounted rate. I called in to PNC, they promised a quick response ( they never got back to me and I had to follow up twice ), and then I received a letter in the mail. The letter said " At the time the loan was closed, the promotion regarding a discount for withdrawing $ 30k or more, was not active, as it ended on XXXX XXXX. The current promotion is for a draw of $ 50k or more, to qualify for the 1 % discount ... ''. First off, I didn't even apply for the HELOC until XXXX of XXXX, so why would they offer me the promotion if it ended 6 months prior. Also why would customer service know about it when I called in right after my loan closed, confirmed it and help me make my $ 30k transfer ( please go back to the recorded line on XX/XX/XXXX, case # XXXX ). Furthermore, I have pulled out in excess of $ 50k as of XX/XX/XXXX. So even if your " Current Promotion '' is $ 50k, I still met and exceeded that marker and you are still arguing with me and not honoring the obviously valid promotion ( s ). I want my 1 % reduction in rate that I was sold on and promised.
Product: Debt collection

XXXX XXXX filed a docket on me at the XXXX Couty court house XXXX XXXX XXXX, on XX/XX/2015 Had my attroney call there attroney, wrong phone numbers on dockets. Look her up to find her phone number on her, My attroney talk to her she said her computer was down that day and would call him back, He called again and left messages several times to call him back. Still no response. I sent her a certifed letter for her to please contact my attorney & send all documents to verify the debt. I reported their attorney to the Fla Bar. I looked up this fake company on XXXX XXXX XXXX. The Company is not real. Have all documents
Product: Debt collection

On XX/XX/2023 I wrote letters to multiply debt collectors LNLV FUNDING LLC, requesting the following information, Original contract with my web signature, Creditor information, name, address and phone number, payment history and itemized billing and proof of ownership. The collections agencies had 30 days to provide me with the requested information and failed to do so, therefore they should have removed the collection accounts from my credit report. Section 604 15 U.S.CODE 1681 B, Section 605A 15 U.S CODE 1681 C-1 and Section 605 B 15 U.S CODE 1681 C-
Product: Credit card or prepaid card

I have a Sears Mastercard and was given a 6 month promotion for a purchase of {$1000.00}. 
The promotion was due to expire on XX/XX/2020. 
I always make full payments on my currant charges for the prior month to avoid interest charges. 
My last statement payment was due on XX/XX/2020 and I made a payment to cover all charges, {$910.00}, made on this statement. 
The credit card company applied my payment to the promotional balance instead of my currant charges despite the fact that the promotion did not expire for 30 days. 
I even took the additional step of calling the credit card company 10 days before the XXXX payment was due to make them aware of how the payment was to be allocated, and was assured by their representative that the entire payment would go to the currant charges and not the promotional balance. 
By applying my payment to the promotional balance I am being charged a very high interest rate, 25.25 %, for a minimum of 2 months on all my purchases. 
This is the second time I have been subjected to this deceptive advertising practice by Sears Mastercard.
Product: Credit reporting, credit repair services, or other personal consumer reports

complaint # 1 : ( Account XXXX XXXX ) the credit bureaus are confirmed the credit acceptance account to be reporting as Accurate. I've provided proof that this account is still reporting inaccurately on my credit report. can you please help me resolve this issue by REMOVING this account from ALL of my credit reporting agencies! 

complaint # 2 : ( Account XXXX XXXX ) XXXX  XXXX  agreed to Remove the account listed if I paid the agreed amount of {$1500.00}. I am providing documents and bank statement to prove that I followed the agreed terms. XXXX  XXXX  did not hold up their end of this deal by deleting this account off my credit report I'm requesting that you please help me resolve this issue by removing this account from all my credit reporting agencies!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I have requested to the bureaus on numerous occasion for the removal of fraudulent items that appear on my report. Those items are XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX To this day they have not been removed, and the credit bureaus, along with the creditors have no provided me with actual proof that I created these items. They have not produced any signature, or signed contract. I want these fraudulent items removed from my credit reports.
Product: Credit reporting or other personal consumer reports

Transunion is reporting the account XXXX without any information attached. This makes this account incomplete. There is no way to identify this account and Transunion refuses to send any information for me to follow up on this matter. Transunion is required by law to report accurate information.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Product: Credit reporting or other personal consumer reports

Dear Experian, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be deleted immediately since THERE WAS NO ORIGINAL DOCUMENTATION PROVIDED TO VERIFY THE ACCOUNT. THE ACCOUNTS ARE INACCURATE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received a letter from Capital One stating that my account has been closed due to violating the " Customer Agreement '', however they never specified what terms of the customer agreement was violated. I reached out to capital one multiple time and spoke to multiple people XXXX in an attempt to understand the reason the account was closed, but I was never able to get an answer. I've been a customer with Capital One for over 15 years and have multiple products with Capital Once including checking accounts, savings account, and a business credit card. I never been late on this card, and only have one item set up on a reoccurring payment from this account each month. Based on this information I think it is HIGHLY UNLIKELY I did anything to violate the " Customer Agreement ''. 

I have filed a complaint with Capital One regarding this matter, however I never heard anything back regarding the complaint. Additionally, I put in a request to reopen the account through Capital One, however they denied my request, and did not provide any details on why the account reopen request was denied. 

Any assistance that you can provide would be greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am a victim of identity theft. I have fraudulent accounts on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My XXXX XXXX numbers are XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX The accounts are listed as follows : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX REC XXXX XXXX XXXX Original Creditor : XXXX XXXXT ) XXXX Hard Inquires XXXX - XX/XX/2020 XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/2020 Experian XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2020 Experian XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 Experian XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXXs XX/XX/2020 Experian XXXX  XXXX Miscellaneous XX/XX/2020 XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as my follow-up against the disputed items in my last complaint dated XXXX. The items are fraudulent and need to be deleted from my file Please delete the following items : 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
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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.15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

Hi. Someone hacked my coinbase account on XX/XX/21. My bank information was linked to my coinbase account. Hacker deposit {$5000.00} of my money to my account and was trading. I lost around $ 400-600. I did not get about the Transactions. Also, hacker deposit {$5000.00} not showing on my coinbase account.I feel coinbase unsafe. Just wan na close my account when everythings fixed. 
I am not sure about the loss. 
The hacker is from XXXX. I am a US Customer amd they did not see this is wrong. 
Coinbase was not protecting my account at all.

I want my money back. Coinbase made a mistake and a I hope they take responsibility for it.

Also, I have another problem. {$5000.00} transaction was pending. I called my bank to stop this transaction. Coinbase want to pay {$5000.00} back. I paid {$3900.00} back. ( it was on my account ). I tried to add my bank to pay the rest {$1000.00}. I removed from my bank informaton before because hacker had access to my bank information. So, I tried to add my bank once again to pay the rest of the money and it did not let me. So, I wired money to coinbase. ( {$1000.00} ). It doesnt show on my coinbase account and I did not get email about they received my money. In this case I want this money back to. 
I attached pictures. I circled which transactions was unauthorized and I circled I paid {$3900.00} back. Also, I attached a picture about the wire transfer. 
I did not buy bitcoin I add that picture too. 

Thank you for your help : )
Product: Debt collection

My information was used to obtain a lease at XXXX XXXX XXXX in XXXX Texas. I have contacted XXXX and demanded the information for this account. They do not even have my social security on file for said account, they have some other number NOT mine! My ssn ends in XXXX, the person they gave this lease to has another social. Remove this from my credit profile because it is not my account I have never lived in XXXX. I am attaching my FTC report and my police report for this. I am attaching my current lease in XXXX since XXXX. I did not sign a lease with XXXX in XXXX! XXXX XXXX XXXX has never even pulled my credit ever because they never leased to me! They need to match the social they have on their record to my credit file and they can not! This is identity theft.
Product: Money transfer, virtual currency, or money service

I made three transfers using the remitly application, later I canceled them and I was informed that I would have to wait 10 business days to receive my money, it has been 3 weeks and I do not receive any refund, I try to communicate with the company but I do not have access to the customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted in XXXX regarding alleged account with XXXX XXXX for XXXX ( est ) by a collection agency. This account also listed on credit report. In my disputing the validity of the account, I never authorized, account was removed. Then later in XX/XX/XXXX, another letter from XXXX XXXX, XXXX  sent letter and forgetting I had already addressed the matter, requested validation of signatures, etc., and no validation of signatures was sent but again in XX/XX/XXXX, after I requested again in XX/XX/XXXX, a letter with alleged amount, I will include. I told them they had failed to validate account within the 30 days, and therefore request they delete account. They continued sending mail alleged indebtedness via XXXX, SC, and MI, then in XXXX XXXX I sent certified to credit bureaus and to XXXX, SC, MI, requesting they CEASE and DESIST for the 2nd time. They then proceeded to put the account back on credit report alleging it is an open account, delinquent in XX/XX/XXXX. 
Their unfair dealings and strong arm overreaching and wire fraud according to U.S. 18 U.S.C.Sec 1343, is a crime to transmit fraudulent information via mail, wire, ....

Also, FDCPA Sec 809 ( b ), reporting without validation, etc. 
It seems the more I withstand these bully tactics, the more they demonstrate willingness to violate rights, statutes and laws. 
Please help us.
Product: Mortgage

XX/XX/XXXX, it came to my attention that NationStar Mortgage XXXX, XXXX. Mr Cooper failed to pay my hazard and flood insurance premiums. I requested that Mr. Cooper pay the premiums immediately by overnight mail as my insurance would expire in the next few days. Mr. Cooper then sent a check by regular mail. Once my insurance broker informed me funds were not received, I requested Mr. Cooper send a second check overnight to avoid a laps in coverage. Funds were received during the grace period and a laps in coverage was avoided. Mr. Cooper failed to put a stop pay on the XXXX check which was also cashed by the insurance XXXX. The insurance XXXX mailed a check for the over payment to the property address rather than my mailing address. Therefore I was unaware Mr. Cooper has paid twice and I had not received any funds from the insurance XXXX to prompt me to think otherwise. In XX/XX/XXXX, while preparing tax docs, I realized Mr. Cooper misreported my XXXX XXXX payments by double the amount. The escrow analysis team also performed an analysis using the wrong escrow balance. Upon, learning all this I have spent the remainder of the XXXX to have everything corrected. The Insurance has sent a second check to my mailing address in the amount of {$2200.00} for over payment. I advanced {$2500.00} on XX/XX/XXXX to Mr. Cooper to deposit in my escrow account and requested a new escrow analysis to avoid a payment increase of {$300.00}. Mr. Cooper has refused my request for a new escrow analysis. All this is a result of Mr. Cooper failing to properly manage MY escrow funds. I want Mr. Cooper to provide a new escrow analysis to avoid such a huge increase in my monthly payment.
Product: Checking or savings account

On XX/XX/XXXX at XXXX XXXX I received a text message from my bank fraud detection about and unauthorized transaction attempt using my debit card. I immediately contacted my bank and was advised that nearly 700.00 in transactions where charged at various merchants on the same day. I advised that I did not have possession of the card and I just realized it was stolen because I have not left the house for the day. She submitted the claim at the time a temporary credit was issued. On XX/XX/XXXX I received a letter from Chase stating that the claim had been denied and on XX/XX/XXXX all credits will be reversed. I contacted the fraud department to understand what happened and was advised that the charges where confirmed because I still had the card. I informed the representative that I originally said that the card was not in my possession and discovered the original claim was put in incorrectly which lead to the claim being denied. She reopened the claim and reassured me that the issue will be resolved. On XX/XX/XXXX I checked my account and noticed that all the chargers where reversed leaving me with a negative balance. I called the fraud department again who advised that reopening the claim did not stop the credits from being reversed and I the back office will have a decision by XX/XX/XXXX. I checked my account on XX/XX/XXXX to see that all my transactions that have been made since XX/XX/XXXX has received NSF fees because of the reversal putting the account even further in the negative. I called the fraud department on XX/XX/XXXX and was advised that they are disputing the payments with the merchants and if they can recover the funds I will get my money back. I was advised this can be no later than XX/XX/XXXX. I then requested a supervisor since the reason the claim was denied was due to the initial claim being entered correctly. The supervisor came to the line took my complaint placed me on hold to research and disconnected the call. I have not been followed up with by chase since the letter being told it was denied now I am placed in a difficult situation because I was a victim of fraud and improper documentation by the Chase representative with no recourse as a customer. Chase did not protect my rights as a consumer.
Product: Debt collection

Eastern Account System reported a debt from XXXX XXXX NJ Service on my XXXX account. XXXX had mistakenly sent the account to collections even though the equipment was returned. I resolved this with XXXX and they said it would be removed from my report. It was n't. I then repeatedly contacted Eastern Account System and was repeatedly treated rudely on hung up on. They have still refused to remove the item.