23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft as a result of a data breach. 
Fraudulent accounts and inquiries have been added to my credit file without my consent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following account and inquiry be blocked and permanently deleted from my credit file : Account to be Blocked and Deleted : XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} Inquiry to be Blocked and Deleted : XXXX. XXXX - XX/XX/XXXX
Product: Checking or savings account

We have a savings account in a trust. The balance is XXXX cents and we want to close it as they keep charging service fees. My father - trustor of the trust- is XXXX, housebound, and legally XXXX. I took the certification of trust naming me as co trustee and a POA over my father into the branch office on XX/XX/XXXX ( took two weeks to get an appointment ) but they said the only way to close is for my father to physically come into a branch. Again, he is XXXX and can not go to a branch. He tried calling but they said he had to come into the branch. He explained he could not physically go to a branch but Wells Fargo doesn't care. I was told they will be charging the account again in 20 days and that if I wanted to come back in to discuss it would take at least 4 weeks to see someone. I told them that we don't care about the XXXX cents we just don't want any fees and want the account closed. Their only solution is for us to figure out how to get my XXXX year old father to a branch. I can not believe that there is no solution for those with XXXX. We don't want the XXXX cents just no more fees. We are at our wits end with this. The agent I met with suggested I go on line to close the account but you can't do that either unless the balance is already XXXX.
Product: Debt collection

SOUTHWEST RECOVERY SERVICES reported on XX/XX/2021 that I had unpaid balance to XXXX XXXX XXXX. This information is not true that account was paid in full on XX/XX/XXXX, 2021. XXXX XXXX XXXX agrees the account is paid in full. Now the collection agency SOUTHWEST RECOVERY SERVICES is not willing to fix this false reporting about my credit.
Product: Checking or savings account

I was solicited by Citibank to open a new checking account that had a promotion attached to it with a certain level of deposit I was eligible for a {$400.00} bonus after 60 days. It was due to be credited to my account in XXXX and it has not and it is now XXXX. Starting XX/XX/XXXX I called weekly to customer service and was never given a straight answer why the promotional bonus would never credited to my account and they never resolve this issue. It feels like they wanted more deposits for their bank but they're not taking care of the customer and they are using misleading advertising and misappropriating funds that I am due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX WELLS FARGO DEALER SVC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Debt collection

I have called and stated that they are charging me a duplicate amount and that I have already paid this amount. the account listed two of the same dated times and services and the same charges .This is a duplicate charge.
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX  XXXX, CA on XX/XX/2023. I had my own financing, which the dealership offered to beat. I agreed to allow them to run my XXXX score only ( noted on the application ), after which I was offered an interest rate through XXXX XXXX which was lower than my personal financing. I accepted and purchased the car. 

I later received a letter of cancellation from XXXX XXXX  XXXX, stating that they were not able to get the loan funded and instructing me to return the car. When I attempted, I was told that this letter was sent in error, and there were no issues. I also noticed that there had been several inquiries to XXXX and XXXX from XXXX, which I did not authorize. 

Three weeks after the purchase, I received loan documents from Chase bank, which I never applied to nor authorized. After much back and forth with XXXX XXXX XXXX, they cancelled the Chase account and I used my personal financing as originally planned. 

I have since received two letters from Chase bank, one confirming that the loan was cancelled and another confirming that it was paid off. Based on this I have made multiple attempts to have the Chase loan removed from my credit report, as it was never authorized. I continue to be denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due, in addition this account has been closed. Please keep in mind that it is impossible to past due on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Debt collection

I XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant 15 U.S. Code 1681a ( a ) ( 4 ) and 15 U.S. Code 1692 ( a ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with 15 U.S. Code 1681a ( q ) ( 3 ) and similar to REG V 12 CFR 1022.3, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. 
I am aware that in accordance with the Gramm-Leach-Bliley Act, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. 
Please provide the written instructions that I, the consumer gave to NAVY FEDERAL CREDIT UNION which has authorized these furnished accounts. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account NAVY FCU XXXX, XXXX, XXXX XXXX XXXX XXXX - XXXX must be deleted from all consumer reporting agencies immediately. 

This is my written instruction to opt-out of credit reporting for this account. If my instruction to opt-out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. 

I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Transunion and XXXX are not complying with regulations based on my request that have been sent in with inaccurate information on XX/XX/2023 and the third request of validation that was sent in on XX/XX/2023 certified and i still have no letters from them stating anything has been investigated or resolved
Product: Credit card or prepaid card

I applied for American Express XXXX credit card in XX/XX/2019, The offer was Earn XXXX Bonus XXXX XXXX Points after you use your new Card to make {$3000.00} in purchases within the first 3 months. 
I got this card and spend over {$3000.00} in purchases within the first 3 months but American Express denied me XXXX Bonus XXXX XXXX Points. 
After multiple calls to Customer service and management I received written response stating that under Terms and Conditions " American Express reserved the right to modify or revoke this offer at any time for any reason. .. '' Very convenient Terms and Conditions! 
At any time for any reason!
Product: Mortgage

Thank you for your response on XX/XX/XXXX via CFPB. 
Please find attached XXXX of Attorney from widow of XXXX XXXX to XXXX XXXX as you requested. 
We still need to be answered following questions please reopen your case about our complaint.

CFPB Complaint Numbers : XXXX and XXXX XXXX. Copy of all documents youve shared with Law of XXXX A. XXXX, XXXX without our permission. 
2. XXXX XXXX XXXX is a real organization? The XXXX XXXX given was XXXX XXXX, certify mail with Return receipt never return. 
2. You are not the only one claim to be the note holder, how do we know who is the legitimate note holder? 
3. Actual Borrower is passed away ; dead person couldn't give any authorization to discuss subject loan 4. According to Gov Rules and Regulation, Loan Servicer do not have the power to foreclosure any property, who is initiate the last foreclosure sale. 

If you don't respond this issue properly, we might see you at the court. 
That is the recommendation of a CFPB officer If you are the right party ( we need to verify ), we demand following as the solution of the issues. 
1. Stop fraudulent Collection Activities. 
2. Fully disclose the Full Legal Name and contact information including website address of Legal Note Holders. 
3. Honor Flex modification that XXXX XXXX  promised on XXXX XXXX https : XXXX % XXXX % XXXX % XXXX? XXXX 4. Or if you paid to XXXX or XXXX XXXX, wed buy you out the price you paid to them. 
5. Or Under the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ), We have a right to  know who the true party of interest in this transaction is. As such, We are asking you to stipulate whether you are the holder in due course for my promissory note. If you are not the holder, then you admit to being the servicer of this obligation. 

Please also stipulate for the record whether or not our loan has been securitized, and if so, the name of the XXXX  our loan is bundled with. 

If our loan has been securitized, then please provide us the pooling and servicing agreement that names our loan as well as any documentations that explicitly gives you the right to service our loan as well as enforce the promissory note in the event of a foreclosure. If you are hiding these facts from our despite our request, then you are hereby notified that you are committing fraud and shall be named in a wrongful foreclosure civil action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 5 different accounts that I transferred with NFCU.Navy Federal credit union continues to leave a balance on all of them. I have contacted them repeatedly. In XXXX of 2019 my credit score was XXXX because of the balances on these closed cards my credit score is now XXXX. There is also a loan that was paid and still showing open. All these need to be at a XX/XX/XXXXbalance.
Product: Credit reporting or other personal consumer reports

XXXX Account # XXXX is reporting transaction history since the opening of this account and should not be. The Law says it is illegal to report transaction history. I have a Federally protected right to privacy and the reporting of this information violates my rights pursuant to Privacy Act of 1974 and 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 my husband sent an ACH transfer to my PNC account which was intended to become a joint account once I added him for our wedding savings. 
He transferred {$17000.00} to my account and it was never available.. none of it. PNC set it out to be fraud and they froze the account for A full month. We got no answers from anybody when calling or visiting the local branch. My husband had to personally message XXXX XXXX at the PA office through XXXX XXXX to tell him about the issue and the gross incompetence we had seen from the bankers. We were assigned to a lady named XXXX from executive client services. XXXX left us a voicemail on XX/XX/2023 telling us the funds had been returned. When we contacted XXXX XXXX XXXX NOTHING HAD BEEN RETURNED. We contacted XXXX XXXX YET AGAIN. And he moved the case to XXXX XXXX. XXXX gave us the same story. Except this time She transferred the money back to XXXX XXXX XXXXXXXX without telling us where it was going to and who she was in contact with.. we had to pull teeth to even get her to send us a tracing number which by the way was invalid. My husband was able to get executive client services from PNC AND XXXX XXXX XXXXXXXX on a 3 WAY CALL!!! 
XXXX XXXX from PNC stated that she had been in contact with XXXX XXXX from XXXX XXXX  XXXX. 
And that they had figured out everything about this transfer and we were in good hands. IT IS XX/XX/XXXX. AND WE STILL HAVE NO MONEY OR SIGNS OF WHERE THE MONEY WENT. My husband opened a claim with XXXX XXXX  XXXX and they barely even have any information. 

I need the following things. 

- PNC TO CONTACT XXXX XXXX FROM XXXX XXXX XXXX to see where this money is living. 

- GIVE ME US OUR MONEY BACK OR REFUND US WITH A CHECK. 

- we are sick to our stomachs it has been over 2 months and nobody knows what is happening. HELP. 

XXXX XXXX XXXX XXXXXXXX TO TELL US WHERE THIS MONEY IS AND GIVE IT BACK.
Product: Credit reporting or other personal consumer reports

I have a credit freeze on file with the XXXX major credit reporting companies. Equifax and XXXX do not offer two-factor authentication for the accounts that people are required to set up with these companies in order to establish a credit freeze. ( XXXX does offer XXXX. ) Very little personal information is required to set up these accounts, and as a result they would be very easy to hack, particularly given the number of major data breaches there have been, including of Equifax itself in 2017. Equifax offers two-factor authentication for certain of the paid services if offers. Why isn't it -- and XXXX -- required to offer XXXX to consumers who are trying to protect their financial information?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602, XXXX XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XXXX XXXX XXXX action : exposed to data breach Pursuant 15 USC 1681, section 602, XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602, XXXX XXXX XXXX : action : exposed to data breach Pursuant 15 USC 1681, section 602 XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XXXX XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 Kickoff Lending LLC, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, action : exposed to data breach Pursuant 15 USC 1681, section 602 XXXX XXXX XX/XX/XXXX action : exposed to data breach Pursuant 15 USC 1681, section 602
Product: Credit reporting

I am not aware of the bankruptcy and want proof i want credit bureau to validate this aligation that was placed on my XXXX report and send proof to my home address
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a cosigner on two of my daughters XXXX XXXX Accounts XXXX and XXXX. 
On XXXX at XXXX XXXX I received a call from XXXX XXXX regarding my daughters accounts and that she was applying for a new repayment plan. The call was to determine if I could make her payments based on my retirement income and expenses. After a long conversation and based on information I provided it was determined I could not and that my daughter would be granted a reduced payment for both accounts. 
I was also told if she made three consecutive payments there would be no reporting of late payments to the reporting agencies. All reporting would be put on hold until one of the three payments was missed. They have not been missed and the third payment will be made in the next 3 days. 
A couple of weeks later I received a notice that the account was late and would be reported. I contacted my daughter and she called XXXX and was told there would not be any reporting as long as she made the 3 consecutive payments. 
I called on XXXX at XXXX XXXX and was told not to worry there would be no reporting of the account being delinquent if the payments were made as agreed. 
I called again on XXXX at XXXX XXXX  and again was told the same thing. 
I received a notice from XXXX on XXXX informing me that the account ending in XXXX was 61 days late and my FICO score dropped XXXX points. 
I called XXXX XXXX and spoke with XXXX XXXX, ID XXXX, and she checked told me I had to send a letter to XXXX. I said I would not because this was their mistake and they had 24 hours to correct it. She agreed it was XXXX 's error. After speaking to her Supervisor she told me they were forwarding my issue to their management team for action. As of XXXX the reporting to XXXX   has not been corrected. 
They have basically destroyed my credit rating because of their error and they breached the contract they created with my daughter and myself and need to be held accountable.
Product: Vehicle loan or lease

I have received numerous emails from santander telling me my car is up for repossession and to co tact the company to discuss ways to keep my car for a cheaper amount that is owed. The car has already been charged off and written off. I have called the bank multiple times trying to find options to reinstate loan/ payment plan to stop repo. The bank will only ask me where I live and where the car is at the moment to be picked up. On XXXX XXXX XXXX at XXXX in the morning I was getting ready for work when a neighbor called me. There was a guy in my yard taking pictures over my fence. I went out to confront him and he told me he was with the bank and needed to take the keys and the car. I asked him his name which he refused to give me. He said he was never in my yard but new the car was out back and he was with the bank. 

I want to know who went to my house what company name and why they were on my property taking pictures over my fence of privacy Now my children are scared to sleep in there room due to the guy taking pictures by the bedroom/window. Scared he will break in.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed there were fraudulent accounts. These fraudulent accounts are hurting my ability to obtain credit.
Product: Mortgage

On XX/XX/XXXX we were charged {$250.00} from our mortgage company claiming we did not have home insurance. However, we did have home insurance. When our mortgage was sold to them in XXXX they claimed we didn't have insurance coverage. 
I sent a hard copy of a letter and evidence of insurance coverage on XX/XX/XXXX to prevent being charged the {$250.00}. They charged us anyways and claimed they never received anything. 
I sent a copy through the email they provided on XX/XX/XXXX I had our insurance agent send a copy through the email they provided XX/XX/XXXX I emailed again on XXXX On XX/XX/XXXX I had our insurance agent fax a copy over on the number they requested. 
I have also called several times. The last time I called the representative told me they did receive evidence of insurance and they would send it in for processing and I would receive a refund in 10 days. Of course that never happened. I just tried to call again today to inquire and their number isn't working. I have been trying to fix this for 6 months and this company just straight up charged us for no reason and is unable to fix the situation even though the required evidence of insurance has been provided to them numerous times in numerous methods ( online, email, fax, and mail ). I don't know what else I can possibly do.
Product: Debt collection

The original creditor is XXXX XXXX. 
- The debt collection agency is LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX PH : XXXX OR PH : XXXX. 
- The amount listed on the credit bureau reports is {$560.00}. 
- I have attempted to dispute this account minimum of 2x with each individual credit bureau agency ( XXXX, XXXX and  XXXX  ). I have also called LVNV funding directly requesting a validation of the debt. I do not recall this debt at all. 
- When I reviewed my XXXX  report it list date of first delinquency XX/XX/XXXX ; delinquency first reported on XX/XX/XXXX and the date the account was first opened XX/XX/XXXX. How do these dates make valid sense? I am simply requesting an explanation and proof of this debt. 
- When I reviewed my XXXX  report is states date placed for collection XX/XX/XXXX. 
- When I reviewed my XXXX credit report it states collection opened on XX/XX/XXXX and the account type is a " FACTORING COMPANY ''. 
- I have all three copy of copies that support this information above. I have also attempted to contact XXXX XXXX - but I was advised to contact the debt collection agency. I have a current XXXX  XXXX credit card holder this is further more I do not understand what account this debt collection agency states that I owe. It is my right to be provided documentation to this aforementioned account. The credit bureaus have stated this account has been verified ; however no means of how this account has been verified to me directly and it is my credit profile that is being effected. I respectfully ask for this account to be validated or removed for all of my credit bureau profiles. I also request proof of when any correspondence was sent to me to discuss this account.