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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam ; The Information Listed Below, which appear on my Credit report does not Relate any transactions that I have made. 
This is the Result of identity Theft. Please Block and remove these Fraud Accounts off My credit. 
Pursuant to section 605B of the Fair credit reporting Act, and send the required Notifications to all Furnishers of all Information.

thank you for your time
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Equifax, XXXX and XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and ALL consent to Equifax, XXXX and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third partyunless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Equifax, XXXX and XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I have already opted out of reporting services and have put a freeze on all of my accounts. XXXX XXXX XXXX. Without Recourse. Without Prejudice. All Rights Reserved.
Product: Checking or savings account

Setting up online banking or requesting account info over the phone requires me to provide my full social security number. Old National bank personnel are very adamant about the quality of their security protocols, but they don't seem to understand that their practice of requiring full SSNs to even get in to their system presents an unnecessary security risk to customers. The fact that the Social Security Administration itself, along with the NSA, Dep't of Homeland Security , Dep't of Defense, and many others including banks, have been hacked rendering these assurances moot, It is unnecessary to provide a full SSN to verify someone's ID. Old National is the only institution I deal with that requires this. All others require only the last XXXX digits of the XXXX to verify XXXX XXXX XXXX from another. 

Old National exposes its customers to abuse and corruption by creating an avoidable opportunity for data miners, scammers, and other nefarious actors to poach important personal information.
Product: Mortgage

As of XX/XX/2023, PNC mortgage has increased monthly payments by {$65.00}. Require the bank provide email confirmation of this increase and the changes to escrow as per my federal requirements. 

Furthermore, I have requested the bank to provide information of mortgage payments as bi-monthly to reduce interest payments. That communication is also pending.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax I've been trying to transfer my credit history to my new SSN. 
I've been building credit for the past years with an ITIN. 
Since I've became a legal permant resident I tried to contact these credit bureaus to see how can I solve this. 
My SSN has no credit file ..different Financial institutions said that So since I can't contact these bureaus it's been a painful process calling over and over again to different numbers.
Product: Credit card or prepaid card

this is the 7 th time my card has been compromised, XXXX XXXX, We 're letting you know your card may have been part of a compromise at an undisclosed merchant. This does n't mean that fraud has or will occur on your account and as always, you are not liable for fraudulent transactions when reported promptly. However, as a precaution, we 're issuing you a new card which will arrive soon.
You may continue to use your current card until your new card arrives. Once you receive your new card, the old one will no longer be valid. Please activate your new card as soon as you receive it. Keep in mind, your current credit card will deactivate on XXXX. 

This happens every 6 months are or so. This causes me great inconvenience, I have not had this issue any other card.
Product: Debt collection

This leasing company has been the most unprofessional business I have ever dealt with. While renting from this company I have experienced the following issues : rats and rodents infesting the home within the walls and under the property, damaging some of our items that they never reimbursed us for ; breaking the lease they wrote by being non compliant with every repair. Upon move in the management company advised us that the roof had damage ( a huge hole ) which was not repaired for the first two months of the lease. Not to mention they had terrible plumbing issues that we had to beg them to come fix. I have had companies come over to fix electrical issues as well. They stated they would never do business with this company again. The company which is ran by XXXX and his wife ( unknown name ) is very unprofessional with their communication the wife caused open confrontations with us the tenants several times over the course of our lease to the point where we advised them that she was not to come to the property. They have also made up charges such as 500 % holdover fee. Which is not stated anywhere in our lease. They have turned this made up charge to a credit company to in return damage our good history, not to mention they took out deposit and also made up claims that just were not true. The last complaint is indeed true and I have a very similar experience. Also I have never heard from the collection company in regards to this debt. They tried to tarnish my good name and never sent me proof of anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a ton of automobile inquires ranging from XXXX -XXXX and one mortgage inquiry in XXXX that I do not recognize nor did I authorize. I have tried to dispute this with the credit bureau ( XXXX, XXXX, and Experian ) via fax, email, and phone. Then continuously tell me that I these are statements of fact and I applied for credit and they ca n't be removed. One employee of XXXX told me that I applied for this credit even after I told him several times, I did not. So the fact is that companies can place a hard inquiry on my credit report without my authorization. I 'm not talking about the firm offer of credit, insurance, court order. Those I understand but these hard inquires are neither. That is pretty alarming and I want resolve this issue without having to mail letters to 35 different cm having to
Product: Vehicle loan or lease

I have insurance on my auto loan with Navy Federal Credit union, in the event I become unemployed/early furloughed from my employment, the insurance was supposed to be applied to my vehicle loan and other accounts with this financial institution, instead they have added this account to collections making it impossible for me to gain employment or housing due to the collection account, I have tried to resolve this issue with them to no avail and am now experiencing financial hardship due to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only found out about Equifax 's hack from news sources and checking their site I see I was one of the affected with no one reaching out to let me know, even though the breach occurred weeks ago. The website then automatically enrolled me in their one year identity theft protection services without my consent at all! This identity theft service is incidentally owned by Equifax and as of XXXX XXXX their TOS includes a clause not allowing you to use a class-action lawsuit. My information was already stolen without anyone informing me and now I have been auto-enrolled in a service I do not want with a clause I do not agree to as I fully intend to legally engage Equifax over this. This whole situation has been handled terribly and the company has not attempted any legitimate recourse.
Product: Debt collection

They told me I would have to talk to FCO Fair Collections & Outsourcing I have Tried calling Invitation Homes about this matter and explain what happen they refuse to do anything, I explain to FCO they said either i can pay what i don't owe or else they said i own {$9100.00} witch i was a Victim of Identity Thief I have all papers and Police Reports I filed an Identity Thief Report, Have Records of my Residents and other documents to my case. I also went to the Courts House the the Crime took place, occurring the the XXXX County Sheriff Department and ask about Judgment that was against me. The Notary that did it she didn't check ID of suspect. She told me this I am a XXXX myself and i know i have to check ID. They told me to seek a Lawyer I have Contact FCO many times and XXXX XXXX XXXX 4 many times to resolve this matter
Product: Mortgage

In XX/XX/XXXX I finally reached my goal of paying off my credit card debt and was ready to purchase a home. I went to explore options for individuals who need assistance with a down payment. The county of XXXX  had a program ( that is still posted on their website ) using parameters of {$42000.00} to qualify, however they do not have any grant funds left this year and the program manager, XXXX XXXX stated that it will likely be next spring that they can offer this program. However the website states there are funds currently available : XXXX XXXX XXXX Clearly the posted income parameters are stated as {$42000.00}. 
XXXX XXXX XXXX I then secured a lender, XXXX XXXX   XXXX XXXX. I told XXXX about the program I found and she stated the City of XXXX XXXX has the same program and did have funds available and that I did qualify using the city 's salary guidelines of {$42000.00}. She prepared my loan package and encouraged my realtor to also submit the package with an offer. I went to great lengths to provide lending documentation, preparing the offer to purchase and submitting the application to the city of XXXX XXXX. I was then informed by XXXX Last the City of XXXX XXXX Program Director who stated that the state had lowered the income guidelines and the lender used an outdated application. Yet the only application and documentation that is available for consumers still has the old income parameters. It was not only disappointing to have wasted so much time and effort but a complete misrepresentation of the programs that are supposed to be available to consumers. How possibly could the income guidelines have gone down when the housing costs have gone up.
Product: Checking or savings account

I would like a full investigation into what is taking place with my funds. I want access to my fund immediately and any fees added due to this issue- refunded. I would like the CFPB to also provide their investigation and any fines that capital one would be responsible for.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to find inaccurate accounts listed, and I dont know why. I routinely monitor my report, but this time, unexpected errors appeared. I tried refreshing my browser in case it was a temporary issue, but the incorrect accounts remained. Due to this, I am requesting a detailed review of the documents I provided to ensure that I wont have to deal with this issue again.
Product: Debt collection

XXXX  They say i owe them electricity bill I do not owe anything and never used them My ex husband used them and not me I was in school in XXXX and i have a lease and license to prove it i never subscribed for any electric bill in Connecticut while in school I have no idea about the bill and i was charged incorrectly.
Product: Mortgage

Im contacting you regarding in proper banking practices regarding Us Bank home mortgage I have had my mortgage with this company since XXXX I have a serious health problem that I knew would result in XXXX and cause sometime off of work. Therefore, I made payments in advance in order to prevent and payments being missed. I did have my XXXX, and within the week my phone starts ringing about my mortgage payment I told the representative about my advanced payment but some how the advanced payments werent applied anywhere to my mortgage. I requested a payment history report. I was shocked the way this bank was applying my payment and moving money around in my account. Escrow payments are being moved into a advance payment accounts and then that money seems to disappear from my account. My payments are being placed in a suspense fund, them being moved to make payment to the account and then collecting additional late fees twice on the monthly payment. When the money is moved from suspense the payment dates dont change cause the same month to be paid multiple times. I have provided several examples of my payments being misapplied but nothing is ever updated or changed. All the payment history reports clearly show the misappropriation of fund, yet my account is never updated or changed it. Clearly this company isnt interested in excepting responsibility for their actions and correcting the problem. The company also returned my monthly payments I was making during this supposive investigation causing my payments to fall behind. I feel their only interest is to colect more fees and cause foreclosure due to the equity I have in my home. 
Also in XXXX after losing everything we owned in a historic flood, my insurance benefits had to be sent to the bank for them to release the money for our home repairs. Once the bank received our insurance check they refused to release my insurance money for home repairs until we where 90 % complete. Therefore I had to remove all money from a XXXX and max out my credit cards to rebuild my home while the bank held my money!! We never missed any of our payments during this devastating event We have been good customer to this bank, I feel a complete review of their policies and banking practices need to be investigated. I feel as a consumer my family is being taken advantage of by this institution and feel we are being bullied with foreclurer on a account that isnt past due All of the year end statement this company provided shows overpayment on this account every year as well as missing money from escrow, advance payment accounts and my suspense fund
Product: Money transfer, virtual currency, or money service

They say only their company payment method is allowed. No longer accepts XXXX XXXX or any other app
Product: Credit reporting, credit repair services, or other personal consumer reports

The collections account they are showing never belonged to me nor did I ever live at that address for service. All this information is invalid and incorrect. Also I will include a screenshot of my active XXXX account. If I owed money I wouldnt be able to have service. Company name is MRS BPO who is charging that collection please take a look at my address and see what address that collection agency is reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX partial acct : XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX Partial Acct : XXXX .... 
XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Partial Acct : XXXX XXXX XXXX XXXXXXXX XXXX  NJ XXXX XXXXXXXX XXXX XXXX  Partial Acct : XXXX ... XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX In accordance to the fair credit reporting act the above stated companies have violated my rights as per 15 U.SXXXX Code 1681a2a-Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that my Experian credit freeze be lift for a specfic time period twice. The freeze is still in effect. I have attempted to contact Experian by phone XXXX and XXXX. On the phone I do not get a selection to reach the customer service people. Thinking I was calling to early I waited 1 hour, still no option for customer service. Experian has assured me when I placed the lift that my freeze will be lifted and gave me a verification number. The freeze remains on my credit. All the options are circular.
Product: Student loan

XXXX XXXX took out a student loan without my knowledge or permission in XXXX. She was living in my house and had access to all of my personal information and email. I was n't even in the same state as her when the account was opened. I was living and working in CA and staying at the XXXX XXXX. I 'm still not sure why Navient did n't contact me asking if I approved this loan. They even had my contact number. Once I discovered the loan I contacted Navient have followed everything they asked for. I never received any communication between when the loan was opened. Once i received the first bill 2 years later I called to try and have it removed. I have since tried to contact them and cant reach anyone in the fraud department. I received a letter saying they were no longer investigating the claim but have n't told me why. When i originally called they told me the loan was in deferment until XXXX. I received a bill yesterday asking for payment in XXXX XXXX. I shouldnt have to pay anything and this loan should be removed as I was never notified of the loan or signed any documents. They have yet to even provide me with application or any correspondence sent.
Product: Credit reporting or other personal consumer reports

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/XXXX Re : Urgent Final Notice of Legal Action To Whom It May Concern, This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic. 
The inquiry in question was apparently made by you on XX/XX/XXXX and I have no recollection of doing any business with XXXX. 
I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Product: Debt collection

I am trying to get out for illegal payday loan for state of GA. Now debt collector harassing for interest rates not allowed.

Illegal payday loan with unreasonable interest rates.

Moreover, according to Section 16-17-7 of the Georgia Code, any interstate financial corporations caught at payday lending operation in Georgia will be immediately punished for it and their license suspended. This includes any out-of-state lenders and online tribal lenders.
Product: Mortgage

Loancare has No help in place for their customers during this Covid 19 times they advertise on their front page thers help but all there is a Forebearance which demands full payment of owed amount after the period of forbearance which is NO help if one isn't working because of mandortary shut down by the state and government and we dont have an income how will we be able to pay back XXXX XXXX in 3-6 months most other banks is offering Deferment which is helpful and makes sense. 
SOMEONE PLEASE HELP I DONT WANT TO LOSE MY HOME due to this epidemic I been through it ALREADY IN 2008 I have called them and to no avail