23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Bank rep came to my workplace in XX/XX/XXXX and gave sales talk about how if I opened an account with them and did a certain number of transactions I would get a large incentive ( {$200.00} ). Bank rep failed to explain to me I had to transfer a minimum balance into the account by a certain time or get hit with service fees. I never received a statement the first few months as the fees were apparently waived somehow as a " courtesy '' on new accounts, and I was traveling and did not use the account. I thought either PNC had automatically transferred money from one of my other bank accounts into the PNC account, or else the account was not fully activated till I went online and took some action. I received a debit card but did not get around to activating or using it. 
In XX/XX/XXXX I received out of the blue a statement from PNC showing that my balance was XXXX AND I owed them a XXXX dollar fee. I basically got charged a fee on an account I never used ; never put money into or out of, never activated or used the debit card, never logged into PNC Online Banking. It 's an inactive account and they charged me a fee without fully explaining that I would get hit with fees if I did n't put in a certain balance by a certain time. I have called them and asked that the account be closed and the fee waived. I did not open this account with the idea of owing the bank money, I thought I was getting a XXXX dollar incentive ( which I never got because I needed to use the debit card within some " promotional period '' to get that money, apparently ). I was misled by the sales rep and I just want this to go away and I do NOT want to pay a fee on an account I NEVER USED. 
See attached letter for more details.
Product: Mortgage

on XX/XX/2022 I applied for home equity sharing with Unison. I provided all the documents requested. for more than 3 weeks I waited for the next step which was getting the appraisal done. On XX/XX/2022 I was informed by the file processor that the title was clear and I can get my own appraisal as the company facing some delays. On XX/XX/2022 I provided the appraisal to the company after paying {$450.00} so the application can move forward. On XX/XX/2022 the company rep informed me that the analyst feels the appraisal over estimated the house and the company wants to do its own appraisal. After a discussion with a supervisor to understand why would we need a 2nd appraisal, the company went ahead and ordered their own appraisal this time. When their own appraisal came back with almost same value like the one I did, the rep emailed me on XX/XX/2022 to advise that their analysts still feel the value was high and they couldn't move forward with the application. This was a misleading experience that wasted time and money for me. This company should be held accountable for the way they conduct business.
Product: Debt collection

I applied for an apartment and paid a {$55.00} application fee online. I received a denial email the next day. A few months later I received an email about a {$150.00} move out fee. I explained to them I was denied and never moved in. They sent it to a collection agency and they won't stop calling and emailing me.
Product: Student loan

I have called Navient several times about the inaccuracies on my credit report. My account was in deferment and then transferred to a new servicer and I call and informed them of the delinquent marks on my credit and they say that they are not reporting what Im seeing. I keep disputing the errors and they do not update it. It is reporting delinquent on XX/XX/XXXX, XX/XX/XXXX on my XXXX report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

logging in-then keeps saying unable to get to this website -- -- -- -- ive done with this XXXX bank once and for all please close them down
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for their failure to remove fraudulent information from my credit report and their violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I have asked Experian to remove the XXXX XXXX XXXX XXXX XXXX XXXXXXXX address, which is not mine, and the XXXX XXXX Account, which has been inaccurately reported. 

Despite providing documentation, including an FTC Identity Theft Report and a signed affidavit, Experian continues to report this fraudulent address and the XXXX XXXX Account # XXXX. I previously disputed this account, and while Experian initially removed it, they have since reinserted the account without notifying me of the reinsertion in compliance with the FCRA. 

Violations of the FCRA : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : Experian is required to block fraudulent information once notified of my identity theft status. Despite submitting all necessary documentation, the fraudulent account and address remain on my report.

FCRA Section 611 ( a ) ( 5 ) ( B ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) : Experian violated this section by reinserting the XXXX XXXX Account without notifying me within XXXX business days of its reinsertion. This action is illegal and requires immediate correction. 

FCRA Section 609 ( 15 U.S.C. 1681g ) : I have requested method of verification for the XXXX XXXX Account, and Experian has refused to provide it. Without this verification, they are obligated to remove the account under the FCRA.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Experian Credit Report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever as consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/accounts. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts my be DELETED and if you are unable to provide me a copy of verified proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over XXXX  days old. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigatgion. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I tried to open an account with the Robinhood app when they said my Social Security number is already in use and that I " already have an account '', I don't. I found out that my ex-husband has opened the account without my knowledge. The company, Robinhood ; will not give me any further information and are not being cooperative in this identity theft case.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I mailed a letter requesting an investigation about questionable items on my credit report. It has been almost two months and I still haven't received any results of an investigation.
Product: Vehicle loan or lease

HMFUSA has again improperly applied my payments. I called customer service and they said they have fixed it and it take 3-5 business days for the changes to apply. Once I logged back in, the problem was still there and there was an additional mis-handling of my latest payment.

HMFUSA has improperly applied every single one of my payments  since XXXX. I have not had a statement since XXXX and payments are constantly either not applied, applied incorrectly, held until past due, or applied only towards interest when I request it be a regular payment or principal only ( additional funds are applied ).

This has gone on for 8 months. This company has not made a single proper payment has has not been properly correcting issues  since XXXX. This is fraudulent. Every remedy I pursue with the company to correct issues ends up in a dead end.
Product: Student loan

On XXXX XXXX, XXXX, and XXXX, XXXX I have attempted to make payments toward my student loans, however, each time the payment would go through they would reverse it. I was sent a pdf explaining they couldnt find the funds from my bank which doesnt make sense because Ive already checked all of my bank information to make sure it is correct, which it is. The deadline is coming up on the XXXX and with so many reversed payments with terrible excuses I cant help but feel like theyre trying to unfairly prolong the process to maybe receive more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account #. XXXX account name : JPMCB CARD. has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat d payment on a credit card account under an + open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

To whom this may concern, It has come to my attention that someone has been fraudulently opening bank accounts in my name. I am submitting a FTC report in accordance to FCRA 605B to have the attached accounts removed or blocked from listed credit reporting agencies as well as removed from any sister companies your reporting these fraudulent accounts too
Product: Credit card

I initiated a 0 % promotional transfer from my AAA credit card from AAA Financial Services in XXXX DE. I had done this in the past and did n't notice this issue. AAA offered me a 0 % balance transfer but did not explain that my regular monthly charges would now be charged an interest rate even though I paid those off each month while carrying the balance transfer that I pay off in small amounts each month. So it does not make sense to me that I pay interest on a balance that I pay off each month, on time. How is this a good deal? It feels like a scam to me. I have had this credit card since 2003. I have excellent credit. They told me this was explained to me when I initiated the offer but I do n't recall. I am in the process of switching to another card, but wanted to file a complaint because this does n't seem right.
Product: Credit card

Delete hard inquiries. I am not responsible for the charges, as they were fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I received an alert from a credit monitoring service that my score had dropped due to an account change. I logged in and saw that GM Financial had reported my payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 30 days late. I immediately contacted GM Financial to report that when I log into their payment system, it showed my account has having a balance due of {$0.00} ( screen shots attached ). The only time it would show a balance due was towards the end of the month. I made the payments at that time and then they were considered 'late '. 

GM Financial customer service stated on XX/XX/XXXX : This is a site issue that we are aware of and our web designers are in the process of updating the system to get it corrected. 

There are also articles online where GM Financial admits having issues with their payment system when they updgraded in XX/XX/XXXX. 

I spoke with customer service both on the online chat and over the phone to explain my situation and have my account updated to show that the payments were not late due to an error on their end in their system. 

Even though they admitted they are having system issues, they said they will not do anything since they only have the date when my payment was received. 

I am being punished with late marks on my credit report even though their payment system has an acknowledged and admitted error.
Product: Vehicle loan or lease

They made me do a down payment of {$4000.00} which is illegal because its a financial charge it didnt help my monthly payments nor decrease the value of my car. It came with gap insurance and they made me get insurance on it to drive off the lot also.
Product: Mortgage

The issue is that I have been trying to work with our lender since XXXX to work out a modification on our home. I was dealing with XXXX XXXX XXXX at first and they never would do one. XXXX XXXX XXXX sold the servicing to Nationstar in XXXX of XXXX. So we started the modification game all over again. The reason I call it a game is you send all the paper work they request and they say there are pages missing. They call and leave you a message, you call back and talk to voice mail never a person. I know that in the state of Georgia that there is a statue of limitations on signed contracts which is 6 years. Nationstar advertised the property for foreclosure sale on XXXX XXXX XXXX. I was at the courthouse for the sale to see if it would be sold. In Georgia the listing has to be cried-out on the courthouse steps. This was not done. Which I have confirmed is illegal, and I do have witnesses. I am still living in the house. They have now listed the house with a realtor to sell the house.
Product: Student loan

On XX/XX/XXXX, I received a disbursement on a student loan for the amount of {$85.00}, XXXX. I began repayment on this federal student loan at this time. My original loan was held with XXXX. There was a time the loan went through a rehabilitation program with ECMC ( XX/XX/XXXX to XX/XX/XXXX ), and all criteria were met. I asked for a copy of that rehabilitation agreement, but they were not able to provide it ( see attached file ). 
After this, the loan was sold to XXXX  in XXXX, and has remained with this company until recently being sold to Mohela. 
My concern is that based on my calculated payments, I have paid over XXXX in student loan payments on an original loan amount of XXXX. According to my calculations, Navient has not applied my payments appropriately, and as a result, they claim I STILL owe XXXX. This is outrageous and predatory. When I ask for an explanation, they just send a payment schedule which I can easily access online. There is no response as to how I still owe such a large amount. If that is the case, I would not pay off the loan for another XXXX years! I understand the responsibility of paying my debt. I have been paying it for over XXXX years and have paid almost double the original amount. But to owe another XXXX seems unjustified. I do not believe I owe this. I would like a fair and honest resolution. This matter has, and continues to cause stress and hardship for myself and my family.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
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  XXXX Account Number:XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

I PROVIDED PICTURES OF MY ID, SSN, AND ADDRESS BELOW I contacted this company about inaccuracies on my credit report which is stoping me from obtaining credit. 

I am not liable for this debt with Credit Corp Solutions In. I dont have a contract with XXXX Corp Solutions In. I asked Credit Corp Solutions In, to provide me with the original contract over XXXX days ago. 

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
XXXX : [ CREDIT COPR SOLUTIONS ] [ XXXX ] XXXX : [ CREDIT COR ] [ XXXX ] XXXX : [ CRCORPSOL ] [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation