23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have the PNC Smartaccess card. On XX/XX/XXXX a purchase was made for {$440.00} that I did not authorize. I called the same day and reported this charge and had a dispute started. I called everyday since to try and receive my provisional credit that is due to me, but was told each time that it either denied and I had to wait, or that my concern would be escalated for hardship as I couldn't pay my bills with that much money missing. Upon reading my terms and conditions of my card it states that if their investigation was not competed within 10 business days, they WILL provide a provisional credit. After being told my terms didn't say this, I read word for word what they said, and upon looking they admitted I was right, yet still refused to issue my credit. I am currently on my 14th business day however. Yesterday I went into the branch and spoke with the branch manager Pam Peoples of the PNC branch on the corner of XXXX and XXXX XXXX. in XXXX, FL, who tried to call and help me. We spent 3 and a half hours on the phone getting the run around and transferred to 15 different people. She stated to them how they were legally obligated to give me the credit due to Regulation E, and it being in my terms and conditions, but they continued to evade it. All I want is my provisional credit, but they continue to evade me, making it impossible to pay my utilities for myself and my children. It's a legal obligation and it's in black and white in the agreement I signed with them. My next step is legal action as at this point they are breaking a contract and basically withholding my money from me, which is theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 90 plus days late on the XXXX/XXXX   XXXX/XXXX/XXXX/XXXX and XXXX/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4,  5, and 6 of the attached credit report. These accounts report a {$0.00} past due. There are also duplicate entries of the same accounts ; the date of last activity is incorrect ; the status being reported is inaccurate ; and some accounts have been transferred and should not be reporting at all. These accounts are coded as if I am currently past due in present day. This incorrect reporting is harming my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a freeze on my report in XXXX  with XXXX. I was assured no new accounts could be opened in my name. Instead they allowed a closed account to be reopened and information updated that was previously reported as closed from five years ago.

In regards to both XXXX  and Experian when I submit a dispute sometimes they rule in my favor and remove the account sometimes they don’t but will not provide proof that accounts belong to me instead have requested I file a police report and submit proof that they don’t belong to me. If they cannot provide proof and refuse to show proof that the account is mine the account should be removed. Instead they allow companies to state a person owes them money without any proof and even if it is disputed and removed they allow the debt collection companies to resell consumers private information that can’t even be verified as there’s only to allow the debt collection company to put a new account on a report. There solution is to freeze a consumers credit report but this prevents a consumer from using credit at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove All Old Addresses and Personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C Sec. 168i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct, So, would you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to compete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact there for exists The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. The FDCPA covers the collection of debts that are primarily for personal, family, or household purposes.

This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act.
Product: Debt collection

I received this letter through the email from XXXX whose only guess was XXXX XXXX XXXX sold them my information after the account was charged off and disputed. So not only are they calling which I consistently block them but they emailed me. If I'm not mistaken that violates about 6 or 7 of my Consumer Rights. Please help me maintain my consumer rights so that I may continue with my family in focusing on purchasing our first home
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX Santander Bank XXXX XXXX XXXX XXXX SSN XXXX Telephone Number : XXXX XXXX I am writing to complain about the unfair fraudulent and deceptive practices of Santander Bank in all aspects Problem with paying off the loan Problem related to refinancing Unable to receive car title or other problem after the loan is paid off Problem while selling or giving title I am asking for your agency to investigate how Santander wilfully violated its consent order with you and with the multi state group of AGs in : refusing to refinance my loan at a rate lower than an usurious XXXX percent compounded and then made false consumer credit reporting that made it impossible to refinance my .loan with another lender even.though i was up to date. Then when i did they refused to give me a final pay oay off amount. 

They insist on onerous excess charges which make it impossible to cure any default as a deliberate scheme to unlawfully repos the car a 2020 XXXX with a fmv of over XXXX to charge illegal and excessive fees and repo charges and they did this after sending me an email they would like to help and after i advised them that i lost my home in a fire on XXXX I want the CPFB to get Santander to waive any delinquency fees To accept the amount of {$20000.00} as full and complete payment to put the payoff amoint in wriitng unequvocally and unconditionally through XXXX to report loan paid in full and get Santander to start honoring their consent decrees rather than as a license to continue as a license to steal
Product: Credit reporting, credit repair services, or other personal consumer reports

This is Regarding Unauthorized hard inquiry left by XXXX on XX/XX/2020 after reach out XXXX and get letter stating that to remove this inquiry ask experian ASAP to remove it
Product: Credit reporting or other personal consumer reports

I am in need of help because I am being harassed by a debt collector who is repeatedly calling me after I told them that its a bad time to call me. I also have screenshots of them calling at the same time day after day making me feel uncomfortable. 

I looked up this law 15 USC 1692 which is the FDCPA and in section 1692c ( a ) ( 1 ) it says ( At any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock XXXX and before XXXX oclock XXXX XXXX, local time at the consumers location ; ) Which means that if I told them it is not a good time they should know that the time they called me was inconvenient They also violated me again under the FDCPA privacy and confidentiality under 15 USC 1681 XXXX Cred : XXXX, Rec XXXX XXXX XXXX XXXX, Rec XXXX XXXX XXXX XXXX, Rec XXXX XXXX XXXX XXXX XXXX Rec XXXX XXXX : XXXX XXXX XXXX : XXXX, Onemain : XXXX, MidlandCRE : XXXX, XXXX XXXX : XXXX, Security : XXXX XXXX Signature : XXXX, Dept of Ed/Aidvantage : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX Frontline : XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more then 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 have talked to kehoe financial group regarding a debt that i owed through XXXX loan. I told them not to call me at work but they called my work, and even called my spouse and left a message that i have a pending legal case against them. They kept on calling me even if i was tryig to negotiate with them. The person 's name is XXXX XXXX and his phone number is XXXX ext XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experianhas NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX SYSTEM ( Original Creditor : XXXX XXXX ) XXXX
Product: Checking or savings account

On XXXX XXXX, XXXX, I canceled my auto and home owners insurance policy with USAA. At the time we also canceled the auto draft associated with our insurance account. The auto draft came from our Checking account which is also with USAA. On XXXX XXXX, XXXX, without our permission, XXXX XXXX charged our account via auto draft, over {$400.00} for funds due on the canceled account. This resulted in an overdraft on our account. 
I contacted the XXXX XXXX department who referred me to the USAA Checking services. When I contacted USAA checking services to file a complaint, I was told there was nothing they could do since it was USAA Insurance that took the money. Apparently at USAA if something illegal is done between divisions, they have no interest in addressing them. 
My wife and I did not authorize this charge or release of funds. USAA has illegally accessed our checking account.
Product: Vehicle loan or lease

Notice of billing error ( 12 CFR 1026.13 ) XX/XX/2022 RE : Account number : XXXX To whom may address my concerns, I have noticed several billing errors in the Truth-in-Lending disclosures section of the " Retail Installment Contract and Security Agreement ''. The first one being the number of payments as well as the amount of payments seems to be inaccurate on the Pavment Schedule, 16 CER 433,1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : " A cash advance which is received in return for a " finance charge '' within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( XXXX ) refers consumers to the creditor or ( XXXX ) is affiliated with the creditor by common control, contract, or business arrangement. " Under Regulation Z also known as truth in lending the itemization of payments should mirror the finance charge amount as it is " the dollar amount the credit will cost me ''. The next billing error is the " down payment '' on the itemization of the amount financed. In pursuant to 15 U.S.Code 1605, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction.The {$3000.00} downpayment placed under section " XXXX '' which references gross trade-in ( if negative enter O here and enter the amount on line XXXX ), is in violation of 7 CFR 1436.10/c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post dated check, or promissory note to the supplier or contractor. 
The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized user other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). 
These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt pursuant to 15 U.S.Code 1692e. All debt obligations and securities are owed to the United States 18 U.S.Code 8 Do NOT hinder nor delay the delivery of the consumer goods associated with the transaction.
Product: Credit card or prepaid card

Ive had the Walmart credit card for several years before they closed my account. Four years ago I lost my full-time job so I was struggling with keeping up with payments. Up to this point I didnt have any problem paying the bills on time.

Ive contacted the company several times during my financial hardship and kept on stressing that I do not want the account closed, but that I would pay off whatever was on it ; there wasnt a lot. I told them I would keep sending money in, and not use the card, until it was paid in full. Consumers are always told to stay in touch with the creditor, and I did. They kept on assuring me that I was doing the right thing by staying in contact with them, sending in payments even if it didnt cover the monthly amount, and that my card would not be cancelled.

A few months after I had gotten my balance down to XXXX, and paid off everything ( even the late fees, etc. ), they send me a letter that they cancelled my card. My credit score was climbing back up, and I get hit with this! They gave me the form letter about my credit report saying that I have too many derogatories and too many accounts past due. Now my credit score has gone down because of the nonsense these companies are allowed to create.

They lied, their business practices do not keep the consumer in mind, and something should be done to them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on the XXXX XXXX XXXX XXXX website on XX/XX/23 and was able to receive reports from XXXX and XXXX, but was unable to obtain one from TransUnion. The prompt that I received said that I had already received the report, which I had not. 

It has been nothing but a nightmare ever since to try to get the TransUnion report. All they do is send me emails for me to sign up at a monthly cost to receive my report. I went through their website and made about 5 calls to get the report, but have not received it. 

They told me to go to service.transunion.com to get my report. I signed up for the website and was still unable to obtain the report. I called again on XX/XX/23 and was given the runaround again and still unable to obtain the report. While they kept me on hold for a long time all they kept asking me was if I was interested in paying for the monthly monitoring service. Every time I indicated NO, they kept asking me again and again if I want the paid monitoring service. 

I believe that they are purposely withholding the credit report that I am entitled to in order to force me to pay for my report as well as a monthly monitoring service that I don't want. 

All I want is my credit report from TransUnion.
Product: Money transfer, virtual currency, or money service

Please note I established an account with Gemini XXXX XXXX ( https : //www.gemini.com/ ) on XX/XX/XXXX of this year. 
Once the account was setup I have not received any confirmation emails and after further checking I realized I must have misspelled my email address at the time of registration. 
The first time I contacted Gemini was one day after registration on XX/XX/XXXX asking how the issue could be resolved. 
Since XX/XX/XXXX it has been back and forth with Gemini requesting I send a message from the email I registered with, which I obviously can not due since I misspelled the email initially. 
I have offered to confirm my identity in numerous other ways and at this point all I'm requesting is for Gemini to delete all my personal information ( substantial amount including my social security number ) I had to provide at registration from their system. 

Please note I have all email exchanges between me and Gemini customer service which I could provide if needed. 

Thank you! 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed again my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
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, credit repair services, or other personal consumer reports

I HAVE DISPUTED THE FOLLOWING ACCOUNTS WITH ALL 3 CREDIT REPORTING AGENCY FAIR COLLECTIONS & OUT, XXXX XXXX, XXXX, XXXX XXXX XXXX EQUIFAX HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. XXXX STATED THEY HAVE VERIFIED ALL THREE ACCOUNTS. ALONG WITH XXXX WHO HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. ALL THREE CREDIT REPORTING AGENCIES ARE VIOLATING MY RIGHTS TO A COMPLETE AND ACCURATE CREDIT REPORT.
Product: Mortgage

Hello.I got today letters from XXXX XXXX XXXX.They did not cash a check and the sendt double payment of mortgage on XX/XX/2019.I would like ask them why both documents dated XX/XX/2019 i got tooday XX/XX/2019.Both letters were send one day after my complain to CFPB?? 
See copy.
Product: Mortgage

Our mortgage was recently transferred to a new loan servicer ( NewRez ). 
I noticed we had a deduction of our monthly mortgage payment twice erroneously on XXXX and XXXX. I called daily for a week with no resolution aside from being told " refund is in process ''. 
Called Friday, XX/XX/year> and asked to speak to a manager. He was investigating why we had not received our refund yet ( of {$5000.00} ) as it was taking longer than typical. He said he would call back by XXXX that day. No call received. I then reached out to my loan officer to try to expedite the issue. His group reached out to management, and I was told check was being sent that day ( Friday, XX/XX/year> ). 
I call again today to find out when we would get this check. Told it would take 7-10 business days.

So many issues with this. 1 ) How can a mortgage company directly ACH from our bank account yet not give the money back electronically? 2 ) I was getting no follow up responses.3 ) Our bank account is now significantly lower with other large payments due. 4 ) The mortgage company should be responsible for our account now going on 2 weeks of no interest accruing either.

Any advice or assistance is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello This complaint is against the credit reporting company Trans Union. I noticed some discrepencies on my credit report so I put a credit freeze with XXXX.on XX/XX/2019. I then notified Transunion with a writtent letter dated XX/XX/2019 requesting them to verifiy certain accounts showing on my report They were a Bankruptcy and a bank account from XXXX  XXXX XXXX. Trans Union never responded to my verify investigation request. 

I called XXXX on XXXX XXXX they stated that no one has requested or attempted access to my account this year. I told trans union that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. 

I also wrote them a second letter and mailed it on XX/XX/2019 stating that they are in violation of my consumer rights and demand that these two accounts be removed from my report immediately. Please investigate these compnaies because what they are doing is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still accounts to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

An Unauthorized Inquiry was reported to my XXXX Consumer Report on XX/XX/XXXX. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/XXXX. A copy of this letter and confirmation receipt is attached below.

*USPS Certified Mail : XXXX - Delivered XXXX This Creditor had no Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, attempted to remove equifax security freeze on their website and through their automated call system. Both do not work. Called the customer service and they said their system is down, call back in an hour. Called back in an hour, still said their system is down and to call back in a few hours. 

XX/XX/XXXX, attempted to remove on their website and automated call system. Still does not work. Called customer service, after they obtained my personal identifying information, and they hung up on me.