23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  has violated my rights 15U.S.C1681 Section 602A. States I have the right to privacy 15U.S.C1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

Im trying to use my pnc prepaid card for this site and its not working
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 XXXX Account number : XXXX {$670.00} Unauthorized inquiries : XXXX XXXX XXXX XX/XX/2023 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Hello, I am writing as what I would consider me being a " valued '' cusrtomer of yours. I have been a XXXX member since XX/XX/2015. My last line increase was over 6 months ago. 
I am wondering when I will be allowed to obtain another limit increase? Everytime I attempt to do this online, the system shoots back a letter that tells me : there has recently been a change. How recent? 
I am disappointed and want to know when you 'll be granting me my 6 month line increase? 

Thank you, -XXXX
Product: Mortgage

In XXXX XXXX Selene did not pay XXXX  for our home owners insurance from our escrow. They then charged us for their own fire insurance. 

I paid XXXX to have this issue fixed before we were in insurance default and our policy was active. Selene reimbursed for the XXXX insurance but not the charges for their fire insurance. 

This is happening again Selene has not paid XXXX from our escrow and our bill was due on XX/XX/XXXX. Insurance will be in default on XX/XX/XXXX. 

Selene is nit cooperating when we have faxed and 3 way called and made numerous calls to check the status of resolving this issue. Selene has said I am NOT ALLOWED to pay my insurance bill myself. But I want and paid for XXXX through my escrow which they don't seem to be able to handle. 

I get no response but transfers to an automated insurance line when calling to verify if they have processed the payment out and XXXX says they still have not received payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX : $ - ; XXXX XXXX XXXX XXXX XXXX : {$310.00} ; XXXX XXXX XXXX  XXXX Balance : $ - ; XXXX & XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX IL XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX  XXXX, and LVNV FUNDING LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX  XXXX, and LVNV FUNDING LLC with no successful resolution. There was definitely an error on their part.
Product: Checking or savings account

They closed my account for no reason Im never did anything wrong somebody got my information to hack my account the person find a way to login to my account somehow idk whats going on its happens on XXXX  need it resolved
Product: Mortgage

The insurance company had send a notice of cancelation. It was due XX/XX/year> and I called the company Mr. Cooper to find out why the disbursement was not made. ( XX/XX/year> ). At that time the told me they did not have the current declarations page. I called the insurance company and asked them to send it to them. There was some confusion with MR Cooper also doing business as Nation Star and was sent to the wrong address. The insurance company called and got the correct address and sent them the policy. Payment had to be in before XX/XX/year>. I received a notice again saying the insurance was about to cancel. I had call Mr. Cooper to see if they had received the declaration page. Yes they did. I asked way my disbursement payment was not made. ( XX/XX/year> ) I had called the insurance company and gave me an address to over night the payment but Mr. Cooper would not take the address and wanted it confirmed with the insurance company. They could not get a hold of them and did not help me. XXXX afternoon XX/XX/year> called Mr. Cooper again. We was on a XXXX way call and the insurance company spelled out the address and attention line to the mortgage company. She said she will do that today. The insurance company said give it a few days to process so give it a few days before calling back. I call XXXX XX/XX/year> the insurance company still has not received the check. I called Mr. Cooper back again she informed me that they wired the money on XX/XX/year> but no confirmation to give me that they received it. Once again there was a XXXX way call and the insurance company said they do not take wired payments. XXXX from Mr. Cooper said the address and said will overnight it and put a note that we only have 15 days to complete this. I am at my wits end trying to get them send this payment.
Product: Credit card

On XX/XX/XXXX around XXXX XXXX o received a email from credit karma stating my credit karma money account was closed due to not receiving proper documentation, However On XX/XX/XXXX I XXXX XXXX filed my taxes with XXXX XXXX who had a contract with credit karma for the advance refund. After IRS accepted my return I was approved on XX/XX/XXXX for an advance loan in the amount of {$4000.00} deposited into my closed credit karma account which was actually open. However once credit karma notice there mistake they closed the account on XX/XX/XXXX. Thank goodness I had took all my money off by then. On XX/XX/XXXX I have sent proof of my new address and documentation validating proof of address to update address with credit karma money account so that they can send my IRS check to the right address. Today is XX/XX/XXXX my address and not update and I have honestly at this point been giving the run around. I have been told so many different things that I will have to alert the IRS of the issue of credit karma not allowing me to update my address. I then ask to close the entire account and send the check back to the IRS because they have my updated address I still have no answer and been told my address has not been updated still and claims of them not receiving my check. I want them to update my address and send my check out over night I am wiling to pay fees, but I cant even get passed the point of an address update so now I have to take off work and file the complaints to the right department because this is the most frustrating situation Ive ever been in. I jus dont understand how credit karma allow so much money to go in a closed account and then closed the account once they seen there issue. I was told I could reopen an account, I was told they can open the old account, I was told so many different things Im not sure what has been done or not been done. The lack of communication and the need to updated account information is extremely important and to after a week have no answer no address update this is jus ridiculous. I get systems makes mistakes and things happen but credit karma is not allowing me to update my address after giving the proper documentation and been told they where received correctly so please help because they have no right to not allow me to at this point update my address on my profile in general, even if my money account is closed its credit karma account and I still need to update my address
Product: Checking or savings account

I deposited a check for XXXX in our 5th3rd checking account on XXXX XXXX,2020.Our account was credited with {$3400.00}, an exchange rate of XXXXRecords Show the market rate to be XXXXOur account was shorted about $ XXXXThis fee is not acceptable.I would consider a transaction fee of say {$25.00} to be in the realm of reasonable!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX {$91.00} XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$2300.00} XXXX  XXXX {$530.00} XXXX XXXX {$100.00} XXXX XXXX   XXXX {$650.00} XXXX  XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX  XXXX {$23000.00} XXXX  XXXX {$530.00} DEPTEDXXXX XXXX {$1000.00} XXXX  XXXX {$1700.00} XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX {$2300.00}
Product: Vehicle loan or lease

Have an ongoing loan with TD auto finance. In XXXX, I became XXXX  with XXXXXXXX XXXX and lost nearly six weeks of work. I called TDAF and they offered to put my payments on hold until I was back on my feet. I had a letter from my Hospital. I resumed my payments last month. I received a letter in what appears to be a fake certified envelope with a date as delivered different from the actual date it was delivered. Letter stated I had to come up with nearly 4000 $ by XX/XX/XXXX as a balloon payment or they would begin reposection. The envelope did not have a return receipt to sign by the Addressee. Just getting back on my feet leaves me in no position to come up with a balloon payment. I am on Social Security. They never told me i would have to pay all this back. Its listed on my credit report as a charge off due to the bank offering assistance with covid 19. Can they do this to me?
Product: Credit reporting

I was under the impression that XXXX was the " official '' site to get all three credit reports for free. I was allowed to get my Experian credit report. But when I tried to get the other XXXX, I was told they were unable to process my request and instructed to send in a lot of paperwork and personal information via mail. Last year I was only able to access XXXX, not including XXXX. I 'm not sure what 's going on, but after an online search, I am finding that many other people are experiencing the exact same problem. I am trying to find work, and I think my credit is keeping that from happening, which, by the way, should n't be allowed ; it 's very discriminatory. I feel that I am not allowed to access vital credit information that is vital to my well being and self-sufficiency. Each year, it seems like we lose more and more control over our finances as banks use our credit information against us regarding housing, employment and other areas. Is there anything you can do to help? Thank you.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX I am trying to set up credit freezes with the three credit reporting companies for an " incapacitated adult '' with XXXX who without clear awareness wracked up thousands in credit card debt and is now in collections due to them opening credit cards without anyone 's knowledge. The three companies have different requirements and methods of application. XXXX was clear and easy to follow. Equifax requires unobtainable items such as a birth certificate for someone born in XXXX versus the SS card number and a valid state or federal ID. The worst by far was XXXX which has a hyperlink advertising " minor children and incapacitated adults '' ( XXXX XXXX XXXX  ) but when you click on it, there is not a single mention of incapacitated adults on the entire webpage ( XXXX XXXX XXXX  ). I used the help and search features with nothing showing up. I called every single number I could find online. The phone tree provides no opportunity to ask a general question or provide the answer to this one. It eventually cut me off - at every single number I used ( XXXX, XXXX, XXXX- which I received an automated response the email was decommissioned XX/XX/XXXX. ) HOW IS A CONSUMER SUPPOSED TO USE THESE PROTECTIONS IF THEY ARE SO INACCESSIBLE? This should not be hard or varied. It is no wonder people don't use this protection. Who has the time, energy, and patience to put up with this abysmal delivery of services?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a terrible hold on my credit and I can not get my real credit report. I have been getting different Equifax credit reports from monitoring and I want to be compensated for paying for a service that I am not getting. I pay {$20.00} a month and can not get my right copies of my credit report even with paying them and I have lost so much money due to this and it is creating many problems with me trying to qualify for a mortgage. Equifax is releasing information to third parties that is has yet to release to me and I need to get an attorney involved ASAP if this can not be resolved. 

I was on the phone for hours yesterday with two associates that could not figure out what was going on.
Product: Credit reporting or other personal consumer reports

A company by the name of XXXX XXXX XXXX is on my credit report & should not be. I feel Experian put this creditor on my account without the proper research. Which is causing a negative impact on my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a XXXX car rental reservation for XX/XX/XXXX through XX/XX/XXXX in the amount of {$340.00}. 
My XXXX reservation was booked with XXXX at XXXX XXXX XXXX XXXX in XXXX, NY. 
Upon arrival, I showed my printed out reservation from XXXX to receive my prepaid rental. The agent notified me I needed to pay for a {$500.00} refundable deposit. I was aware a deposit was needed, but not as high as {$500.00}. I did not have the money on any of the cards I traveled with, so we asked if my fianc could put the deposit on his card. The agent assured us she could modify the reservation to his name, but we would still be using our XXXX prepaid reservation. 
My fianc used his debit card to pay for the deposit and we were shortly on our way. 
Upon returning our rental, the agents had difficulty finding our reservation. Finally, they found it and issued a receipt. We hurried to our airline counter to receive our boarding passes so we can make our return flight home. When we reached our gate, I realized that the total charges reflected showed they were debited from my fiancs XXXX card in the amount of {$380.00}. 
I called XXXX about this and they said to contact XXXX. I called XXXX and they said that all sales are final and because we changed the reservation name, my XXXX reservation shows that it is unused and they refused to refund the amount. I explained to the XXXX representative that the XXXX agent at the counter made this modification because of the deposit. She still blamed me, the consumer, when I had no idea what the agent was entering into a computer behind the counter. It was the agents duty to make us aware that the reservation was now put under my fiancs name is considered a new reservation & not a prepaid XXXX reservation. If made aware, no one would have allowed this transaction to be created in the first place, resulting in an overcharge. 
The credit card I purchased my XXXX reservation with is Discover. I called Discover and opened a dispute on XX/XX/XXXX. This dispute is still in progress 5 months later. I have documentation showing my fiancs card was charged for the full reservation amount as well as my credit card. We have now paid for the exact same rental, twice on two seperate credit cards and after 5 months with Discover, there has been no resolution and my dispute is under final review for another 90 days.
Product: Debt collection

A company called IC System has just reported that I owe them {$980.00} on my credit with account number " XXXX ''. I responded to a notice I received from them on XXXX XXXX asking for an explanation for what this money was for but I have not received a response. I am attaching a copy of the letter I mailed to IC System. I requested more information on XXXX/XXXX/2017 and instead of responding, they chose to report this debt on my credit! This company has not provided me an explanation as to why they are charging me this money. This is not the only problem. Another company called " XXXX XXXX '' is also reporting this same account on my credit report! They have a different account number of " XXXX '' but the money they are asking for is {$980.00}. Is n't it illegal for two collection companies to try and collect on the same debt at the same time? I do n't know what this debt is for!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$290.00} XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$950.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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

Over the last 90 days I have contacted the Transunion and XXXX regarding unauthorized hard credit inquiries on my credit report. I have initiated disputes with each company and no changes were made. 

I have mailed in a letter stating the unauthorized inquiries that should be removed and no changes have been made.
Product: Mortgage

In XXXXXXXX XXXX XXXX I was aggressively pursued by a representative of Citizens Bank to apply for a home mortgage loan I didnt need. In XXXXXXXX XXXX XXXX I signed a contract of adhesion in a fast food diner. I received the loan proceeds at closing on XX/XX/XXXX and commenced timely repayment. Unfortunately, Citizens incorrectly processed my payments. That information was revealed to me by XXXX XXXX XXXX, a Citizens customer service manager. Citizens nevertheless reported me 60+ days delinquent for the months of XXXX, XXXX, and XXXX, for which I have e-mails from Citizens acknowledging receipt of my payment. Parenthetically, I am accused of being 180 days delinquent during a period of 153 days. The result is a loss of more than XXXX points from my otherwise impeccable credit score. I have tried countless times to resolve this with Citizens collections department. All I get is the runaround. Days ago I received a sheaf of hardly dispositive papers from Citizens purporting to demonstrate that I failed to make timely payments, when I have records of receipt for this entire year. If I am so abusive of credit, how did I get fast track loan approval from Citizens in the first place? Please help with this matter.
Product: Mortgage

I paid off my mortgage in XX/XX/2021. The mortgage processing company ( Dovenmuehle Mortgage ) sent me a letter confirming that my mortgage had been paid in full. Recently I put my home ( a small mixed use building ) up for sale and discovered that the mortgage company had not sent this information to my municipality. For more than a month I pleaded with the mortgage company to send the information to the municipality. 
The buyer of my property had concerns about this issue and walked away. I now have a new buyer and again have worked for several weeks attempting to have the mortgage processing company submit the documents. I have been told repeatedly that all paperwork is complete and simply needs the signature of the VP at the mortgage company. Out of desperation I have even written to the CEO ( XXXX XXXX ) of the company, but have gotten nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.