23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Saturday XX/XX/XXXX, at XXXX PST, I received an email from a company I did not recognize, or I have never done business with, regarding a collection email, which I have deemed fraudulent. I have posted a copy of the email below : FINAL NOTICE FOR FAIR ACTION ( Fair Debt Collection Act 811 ) Case File # XXXX Last Date to File Lawsuit-XX/XX/XXXX Cost of the Lawsuit-XXXX Courthouse Address-XXXX XXXX XXXX ( XXXX XXXX XXXX , XXXX   XXXX , NY XXXX ). 
Legal Charges-Section 19 ( A ), Clause 21 ( US ). 
Case Format- Fair Debt Collection ( FC/SC ) Due Amount- {$500.00} Dear Debtor, This is to notify you and requires your immediate attention. 
We are going to file a lawsuit in next 24 hours at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) .against your Name and SSN. After giving several notifications we did not received any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well. 
If we do not hear from you today, we will be compelled to seek legal representation in the Court House. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the Internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 
Note : If we don't get any response from your side, we shall have no alternative but to take action through the local County Courthouse to recover the amount due together with court costs and legal fees including all taxes which cost approximately {$5800.00}.

Note : The Legal Charges Section 19 ( A ), Clause 21 ( US ) is against you and if you ignore this case then our legal department will take  immediate action you. 
If we receive the remaining payment from you thereafter we will provide you full and final receipt stating that your case file is closed permanently with remaining XXXX balance. Don't take this matters lightly otherwise once the case file is downloaded thereafter we won't be able to help you out. 
If you fail to respond us the Charges will be pressed against the name are : 1. Violation of federal banking regulation act 1983 ( C ) 2. Collateral check fraud 3. Theft by deception ( ACC ACT 21A ) Which carries a maximum sentence of 3 years of prison and a fine up to  {$5800.00}. 
YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the court house. 
PS. If you fail respond within 24 hours this Legal Action will be activated. You will be Entitle for an OOCR, By requesting an offer in compromise, but if you are failed to do that then we shall start the process of pressing those charges against you. 
To resolve this issue ASAP, Kindly emails us immediately. 
Thanks & Regards, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft!! Please delete these items as soon as possible! 

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  These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which vie rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX there was a hard inquiry on my XXXX   credit score from synchrony Bank National Credit Card/Airline. I did not apply for any Credit Card as I just completed a Bankruptcy in XX/XX/XXXX. I called the phone number that came with the hard inquiry from Synchrony Bank. The lady there told me to call XXXX. So, I proceeded to call XXXX. The lady there explained the deletion process. I was to call Synchrony Bank back and get a " Letter of Deletion '' from them. Once I received that, then I was to send that with a letter of Authorization to XXXX   : XXXX XXXX XXXX, XXXX, PA XXXX, and to make sure that I include my Name, address, last 4 of my SS #, and the File # XXXX. So, I call Synchrony Bank back. First I get XXXX - she was unable to help me at all so I asked for a supervisor. I get XXXX on the line and he proceeds to tell me that he can not give me a letter as this is a known issue between XXXX  & XXXX XXXX - he called it " Naming Table Translation ''. I have no idea what this means, but again, I was told to call XXXX. So, one more time I call XXXX. I speak with XXXX. I again get the same story but he is going to mail me a copy of my Credit Report ( not sure what that will do ) - you need to call Synchrony Bank. I am so frustrated at this point. I do not have any documentation other than my Credit Report showing the hard inquiry.
Product: Mortgage

I applied for a credit card on XX/XX/XXXX and was immediately denied. The credit card told me that a forbearance was placed on my credit rating. When I obtained a copy of my credit report, I noticed it was Sterling National Bank. I've been paying my mortgage in full since I initially got the mortgage through Astoria Bank. IT IS PAID ON TIME IN FULL EACH MONTH. I HAVE NEVER BEEN LATE WITH A PAYMENT, EVEN DURING THIS PANDEMIC. I AM STILL PAYING MY MORTGAGE IN FULL EVERY SINGLE MONTH. 

I remember having a phone conversation with a representative in Loss Mitigation in XXXX and asked what " forbearance '' meant. She explained the process, and at the end of the call, I told her I was NOT interested. She acknowledged that I was not interested, but still placed my account into forbearance. She apparently did not understand what the word " NO '' MEANT. 

When I called the bank ON XX/XX/XXXX to ask them why they placed my mortgage into forbearance, knowing I did not want that option, and knowing that I've been paying my mortgage in full, they did not give me a reason. In fact the customer service representative in Loss Mitigation on XX/XX/XXXX, XXXX, told me that she was not the representative who put the mortgage into forbearance, and it was not her fault. 
She admitted to me that the XXXX phone records indicated that I WAS NOT INTERESTED IN A FORBEARANCE. However, she refused to send me the phone records unless I had a court order. She took NO Accountability ; NO responsibility for the bank 's grave error. 

She told me that someone from the bank would be getting back to me within 24 hours, but no one has since that phone call - over a week later. She lied to me. My mortgage is still in forbearance ; no one from Sterling National Bank has reached out to me to apologize or to even reply that they are fixing the issue. NO ONE HAS REACHED OUT TO ME in over a week. 

I filed a complaint with the OCC ON XX/XX/XXXX, since the 24 hours passed and no one from Sterling National Bank replied to my complaint about the forbearance. 

I am filing this complaint now with the Consumer Financial Protection Bureau at the advice of a friend who has knowledge on the subject of mortgages and told me that banks use this tactic to prevent the mortgage holder from refinancing a mortgage - it is way for the bank to block me/force me to keep the mortgage with them. I learned that when an account is in forbearance, the person can not apply for any credit cards, nor refinance a mortgage. Since rates are low now, banks do not want their customers to shop around. 

BEWARE OF STERLING NATIONAL BANK. THEY ARE NOT HONEST ; THEY DO NOT TAKE ACCOUNTABILITY FOR THEIR ERRORS. 

PLEASE INVESTIGATE THEM. THIS WAS AN UNETHICAL MOVE OF THE BANK.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy 15 U.S.C 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an opened end consumer credit plan as late for any purpose
Product: Debt collection

We paid what was owed on account but there was an amount charged of XXXX that I never signed for and it was a fraud from a jewelry story from out of the country as soon as it came on my account I contacted HSBC and they would not do anything and I found out they are not in the United States. I need some help and really advise no one to obtain the HSBC CREDIT CARD please help with this situation as I have no problem with numerous credit cards I have and want to fix this Asap
Product: Money transfer, virtual currency, or money service

I saw an article about fraud included your organization. I thought I would try an explain my problem. 
In XXXX XXXX on Venmo I ordered XXXX " XXXX Lamps '' from a XXXX XXXX XXXX One for {$60.00}. An one {$70.00}! I never received them! I tried messaging 3 times. NO REPLY! 
Then I went to Venmo an XXXX an reported a problem an was told there was nothing they could do! 
So I'm asking because in the article it mentioned your organization would help! 
Thank you, XXXX XXXX
Product: Credit card or prepaid card

I recently found out from reviewing my credit report from XXXX that Macys claims I have and outstanding balance. That was news to me since I have not received any bills from Macy 's. No paper mail, no email and no phone messages. 

On XX/XX/XXXX, I wrote Macy 's requesting additional information regarding the charges. My inquiry revealed two things : 1. ) Macy 's claims that I used the credit cart to purchase {$97.00} on XX/XX/2019. 
2. ) Macy 's shows all means of notification were turned off. That is, I would not receive any bills. This explains why I received no bills.

I do not remember making the purchases but I offered to pay the {$97.00}. Macy 's has now sent a bill for {$240.00} to my home address. I attempted to have them eliminate interest and late fees without avail.
Product: Checking or savings account

On XX/XX/2023, I was unable to log in to XXXX to manage my account. I called the branch from which I had originally made my account, and they explained that they had closed both my credit and checking accounts for nonpayment to the credit account, thereby limiting access to my checking account until I physically visited a branch and became current on the credit account. I am currently sick, so it would be unsafe for me to visit a branch at this time.
Product: Debt collection

I received a settlement letter from Citi Bank, N.A. Home Depot Company stating that I'm eligible to settle the debt in full for {$4.00}, XXXX by the due date of XX/XX/2018. I called to clarify the content of the settlement letter, and The Home depot agent certified me that once the payment is received the debt will be written off ; in other words, I will be debt free, that was on XX/XX/2018. I agreed to pay the settlement offer which is {$4400.00} on XX/XX/2018. The agent took all of my bank information in order to withdraw the sum as of XX/XX/2018. I did NOT have that money in my account, but I anticipate to borrow it and pay it as the letter stated " it is a great opportunity. '' Now I just receive a bill statement from Citi bank-Home Depot stating that i have a balance due of {$6700.00}. 
Prior to the settlement I paid over {$2500.00} out of that {$10000.00} credit card debt from Home depot. Citi Bank, N.A. wiped out that {$2500.00} and stated that I owed over {$10000.00}, which is now {$11000.00}. When I called to find out what happened to my {$2500.00} that I already paid. Citi bank/home depot said it went to interest. citi bank/ Home depot is deceiving the Public ; Citi bank does NOT follow what is written on the contract. Citi bank/home depot is practicing balloons loans in a differnt way. what is written on the contract is NOT respected.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation. 

The following accounts and inquiries are inaccurate, unverifiable, or should not be reported under my credit file. There are multiple collection and charge-off accounts that require immediate removal, including XXXX XXXX with account number XXXX for {$470.00}, XXXX XXXX with account numbers XXXX, XXXX, XXXX, XXXX, and XXXX, all reporting {$0.00}. Additionally, XXXX XXXX  XXXX XXXX A with account number XXXX for {$310.00}, XXXX XXXX  XXXX XXXX account number XXXX for {$900.00}, and XXXX with account number XXXX for {$6100.00} need to be removed as they are inaccurate. Other accounts that require verification or deletion include XXXX XXXX XXXX with account number XXXX for {$900.00} and XXXX XXXX XXXX with account number XXXX for {$270.00}. 

There are also multiple unauthorized or unverified inquiries that should not be on my report, including XXXX XXXX dated XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX  XXXX dated XX/XX/year> and XX/XX/year>, and XXXX  dated XX/XX/year>. These inquiries were not authorized by me and must be removed immediately. 

Additionally, my personal information is being misreported. My name is inaccurately listed as XXXX XXXX XXXX, with an alternate listing as XXXX XXXX. This is not my legal name and must be corrected. Furthermore, XXXX XXXX is incorrectly listed as my employer and needs to be removed from my file. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that is both accurate and verifiable. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution without delay.
Product: Credit reporting or other personal consumer reports

I observed my credit reports and I found inaccuracies in the following accounts XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX  NA Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number xxxxxxx XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX
Product: Bank account or service

I have been a customer of PNC for almost three years. I believe that PNC targets their consumers who once they have reached a certain amount of overdraft fees, they just add erroneous fees later. Example. Last year I had a lot of bank issues and I had {$180.00} worth of overdraft fees. This year I decided to keep better track of my spending to avoid these fees. 
In XXXX my account was overdrawn {$60.00}. PNC 's policy is you have until XXXX to bring it current otherwise you will get a {$36.00} fee. I took out a payday loan of {$100.00} and put it in my account, so I had a positive balance. The next day PNC charged me {$36.00}! I immediately called the branch the manager argued with me and said that even though it 's not PNC 's error she would refund my OD fee since I did get a payday loan to avoid it and she wants to acknowledge my effort ... Since my OD was refunded I did n't proceed any further. Now as of yesterday I had XXXX deposits. XXXX for {$8000.00} another for {$160.00} and another for {$750.00}. Prior to the deposits my account balance was - {$17.00}. I put {$17.00} on my card which left me with {$.00} overdrawn and PNC policy is any balance {$5.00} and under will not get a fee.. I wake up with almost {$10000.00} in my account and I see an OVERDRAFT FEE!! Because a check for {$110.00} was processed BEFORE they let my credits come through! They do n't time stamp when debits and credits come through for the purpose of being able to process debits before credits. Because since my balance was XXXX cents they allowed the {$110.00} to be processed so the {$36.00} fee could be charged and THEN they let my credits come through. I spoke with another employee who advised that while they can see where I would think their system is triggered that once you hit a certain dollar amount of OD fees, they will just throw random fees at you. She assured me that 's not the case even though she could n't admit which transaction came first the debit or the credit. Based on yesterday me getting an overdraft fee based on them saying the debit was first but they do n't time stamp so they ca n't prove it, then they do n't need to be charging fees!! How many other people have they got with this technicality? Basically we do n't know which came first, but we are going to benefit from this either way???!!! I geniuinely feel that if you all start and investigation you will find that PNC has very shady practices.
Product: Money transfer, virtual currency, or money service

I went to my PayPal account online to see if I could transfer money and did not want to use my credit card attached to cover the transaction, so I was going to leave the page. 
PayPal had added a feature and it clicks on its own, one of my small business accounts without my permission. 
I left the page and noticed it clicked on its owned, charged me XXXX and transferred XXXX dollars to my small business account. 
this is not the first time they did this, and please don't tell me to pay closer attention and reclick another option. they even added other bank cards as options, and I didn't agree. 
if they add these next time without my permission I will be filing a law suit.
Product: Credit reporting

I disputed my FCRA rights as my accounts are reporting inaccurately. I was sent yet another inaccurate false credit report by Transunion. I called in to get information on what and how things were verified and was told they could not give me the information but are reporting information. The XXXX XXXX account has a inaccurate and incomplete pay history. It does not go in chronological order nor does it match any to the details they have listed. If the account was closed XX/XX/XXXX how can it be a maximum delinquency and 120 days late XX/XX/XXXX? I spoke with a man named XXXX XXXX XX/XX/XXXX at TRANSUNION and he said he had no access to information. Which in not ethical. I would like all of these inaccurate accounts deleted because TRANSUNION is falsely reporting information. Also the name address and phone number to these creditor are not correct or updated. I spoke to these companies and NEITHER FROM ALL THREE COULD PROVIDE ME WITH DETAILED information on these accounts said they no longer have full account details. So how can they report this false information
Product: Credit reporting or other personal consumer reports

My consumer rights have been violated. Experian is willfully being non compliant and aiding identity theft by reporting informantion that I never gave written or verbal consent to The following accounts are violations : 1. ) XXXX XXXX {$200.00} XXXX. ) Self/lead {$150.00} XXXX. ) XXXX XXXX XXXX I have never applied for these accounts, or consented to open these accounts. 

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information.

Also in accordance to 15 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed.

Please remove immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in 2007 my father knowingly recieved loans using his birthdate and my social security number. I was only XXXX. I later then applied for a loavn at my bank and was told that there was numerous loans with my dads birthdate and my social security number. I went to the company to resolve the issue. I showed them my identification proving I was a minor and my correct date of birth. they told me there was nothing they could do and It was up to me to get a copy of my dads ss #. I contacted my dad and he says the company is lying. I Want THIS FIXED
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX  Inquiry date : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found that I am a victim of fraud, as it contains accounts opened without my consent. My personal information was stolen to create these accounts, and I have never signed any agreements with these companies. I have no knowledge of these accounts, did not benefit from this fraud, and am concerned that the fraudulent activity may persist.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a list of companies reporting to my consumer report without my permission and Im requesting to get them deleted asap! 

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 XXXXXX/XX/year>