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

XXXX XXXX XXXX XXXX- {$11000.00} this company is reporting an account that was opened in XXXX XX/XX/XXXX and was opened fraudulently. This account has finally come off my report and this debt collection company is reporting inaccurate date of being opened XX/XX/XXXX which is incorrect! 

XXXX XXXX XXXX XXXX {$2300.00} This company is reporting a debt from XXXX for cellular phones that weee fraudulently attained in my name. This is complete fraud. 

XXXX XXXX XXXX XXXX Amount Amount {$4900.00} this company is reporting a debt but would not allow me to continue to pay on my debt and they are reporting inaccurate amounts. I made several payment til they all of sudden closed my account and Ive paid down to about {$1900.00} on that account. 

I also have inquiries that I have never authorized nor applied for these things. Here are the inaccurate inquiries : 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 Credit Bureau XXXX XXXX I have never applied for any of these things and they are NOT my inquiries at all.
Product: Mortgage

I had a 30-year mortgage with Pentagon Federal. A year ago this past spring, I decided to look at refinancing it, because of the falling interest rates. Of course I went to PenFed. 
After all was said and done, I was told that the monthly payment on a 20-year mortgage would be {$680.00}. This was quite a reduction in my monthly payment, and I took it. I did have one problem after getting the mortgage, I got a notice from my insurance company that my payment was due and hadnt been made yet. I notified PenFed, and it got made ; no one said anything about you know, youre supposed to be paying the insurance yourself, or anything like that. 
Everything was fine until this spring. I got a notice that my payment was being reduced to {$660.00} a month, and a refund check which I think was supposed to be a refund of excess escrow. I thought this was odd, and held the check a little while before cashing it. I should have held it longer, because I soon got another notice, this one that my payment was being raised to {$740.00} a month. 
I called PenFed, and and asked what was happening. I was told that my payment was raised because of my insurance. I contacted my insurance company and was told that no, the cost of my insurance had not gone up. I called PenFed again. And thats when I found out what really happened. 
When my loan payment was originally calculated, the calculation didnt include anything for insurance. ( And apparently they did this twice - when I first got my loan, and again when my payment was reduced to {$660.00}. ) I asked why, and was told that when I applied for the loan, my insurance had just been paid, and why would they charge me for something that had just been paid? ( Isn't that what escrow is for? ) The same representative who said this also said I should have been told that my payment would go up. 
Calling PenFed has offered me no relief, the representatives will only tell me that my escrow account is low and I need to catch it up. So in XXXX I wrote to PenFed, at the published address for mortgage complaints, and have not received a response. They apparently calculated my loan payment without insurance Twice, but paid the insurance. This is their error, not mine, but now I'm paying {$64.00} a month more for it. 
The ironic part of all this is that PenFed held the mortgage I was refinancing, so they had my insurance information when I applied for the refinance. And my insurance was in escrow on that loan because they insisted on it - previously, when another institution held my mortgage, I paid my insurance myself.
Product: Debt collection

On XX/XX/2022 I dispute this debt to Portfolio Recovery and also ask for debt validation. I also request to provide verification of the amount they said, I owe. They did not provide me with the original credit application as I ask. 
Portfolio Recovery respond back that they had completed our investigation of your dispute concerning this account. 
Portfolio Recovery never did a proper investigation, In accordance with Fair Credit Reporting everything has to be 100 % accurate on my credit report, how is that possible if the date open is inaccurate, last report date, date last active?

They also violated the law because according to 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 an account without my written instructions, I did not give anybody written instructions.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for the BBVA Select credit card under a " double points '' sign up bonus promotion that was running in XXXX. My application documents were completed and signed on XX/XX/XXXX. BBVA had internal submission issues that day and so my documents did not get processed immediately when they were completed ( reference attached email string page 2 for verification of these facts, email dated XXXX XXXX, XXXX ). 

Over that weekend, the " double points '' sign up bonus promotion was pulled early, however I was assured that since my application was completed prior to the promotion being pulled, the promotion I applied under would be honored ( reference same attached email string page 2 for verification of these facts, email dated XXXX XXXX, XXXX ). 

I completed the required spend for the sign up bonus, and the bonus I received for it was half of what I was expecting - basically I did not received the " double points '' bonus which I had signed up for. I notified BBVA of this issue on XX/XX/XXXX ( reference page 3 of email string for verification of these facts, email dated XX/XX/XXXX ). 

I followed up to that email on XX/XX/XXXX since I had not received a response ( reference page 3 of email string for verification of these facts, email dated XX/XX/XXXX ). 

I received a response on XX/XX/XXXX indicating that this was going to be investigated ( reference page 3 of email string for verification of these facts, email dated XX/XX/XXXX ). 

To date I have not received the " double points '' bonus I signed up for under the promotion. I also have not received any further notices from the bank to indicate that they have looked into my issue or are looking into my issue. I followed up on XX/XX/XXXX as well as XX/XX/XXXX requesting an update but did not receive any response ( reference page 3 and 4 of email string for verification of these facts, emails dated XX/XX/XXXX and XX/XX/XXXX ). 

Since BBVA is no longer responding to my inquiries, the issue has not been resolved, and I have no way of knowing if it is even being investigated at this point, I am opening up this complaint to force a response from the bank.
Product: Checking or savings account

1. Ally bank sent alert email about putting my chk account XXXX profile on hold on XX/XX/XXXX at XXXX XXXX saying they didn't receive the verification they needed to process a payment. 

2. Then after about 30 mins later ( XX/XX/XXXX XXXX XXXX ) they sent the payments anyway w/out my approval/consent. Two big transactions were : {$4800.00} ( went to XXXX XXXX ) and {$800.00} went to XXXX XXXX Dispute # XXXX opened XX/XX/XXXX Transaction date : XX/XX/XXXX Dispute # XXXX opened XX/XX/XXXX Transaction date : XX/XX/XXXX XXXXThere were fraud transactions that happened that were not authorized by me. Looks like hackers were able to add recipient and initiate XXXX 4. Ally called few days later and we opened the disputes. They mailed dispute open letter on XX/XX/XXXX XXXX. They started investigation but concluded that there were no errors relating to those transactions. They Mailed dispute investigation completed letter on XX/XX/XXXX. 
6.We had been talking to their fraud dept and was expecting a copy of investigation report they use in decision making by XX/XX/XXXX which didn't come. Also, was expecting the report in email but that didn't come either. 
7. I called today ( XX/XX/XXXX ) and fraud dept now said we need a court subpoena to get that report. 

Till today, we don't know how Ally came to their conclusion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA XXXX that you the XXXX, XXXX AND EXPERIAN credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, another personal credit card opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX ; A COLLECTION with XXXX XXXX XXXX XXXX opened on XXXX the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX. I've attached a list of the hard inquiries in question as well as the copy of the identity theft affidavit as proof from the XXXX Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Identity Theft XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Identity Theft XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
13. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
14. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
16. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
17. Identity Theft XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

False payment I don't owe
Product: Checking or savings account

On XX/XX/XXXX I deposited a cashiers check from XXXX XXXX XXXX and Chase Bank placed a 7 day hold on this cashiers check. 

They have no reason to believe the check issued by XXXX on behalf of XXXX XXXX XXXX would be NSF. 

I spoke with Chase and they were able to verify funds with the issuing bank and still refused to release the funds. 

Additionally I previously deposited a check from the same Credit Union and the same cashiers check that already cleared and poted to my account. 

I have been charged several {$34.00} charges for being overdrawn when in fact my account has had money in it since XX/XX/23 via a cashiers check deposit of {$5000.00}
Product: Debt collection

I star received a phone call from a collection a collection agency on XXXX/XXXX/XXXX and now still receivend letter in reference a XXXX deliquente accoun in the amoun of XXXX i never open a account with XXXX XXXX, of provide anyone with permission to obtain a account using my personal information, and no responsable for those charge, same XXXX they being colleccting tha mony from my
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am submitting a complaint against XXXX under 15 U.S.C. 1681i for failing to conduct a reasonable investigation of my dispute regarding inaccurate information on my credit report. Despite my efforts to provide documentation supporting my claim, XXXX has not corrected the erroneous information, which has adversely affected my credit score and ability to secure credit. I request the CFPB 's assistance in resolving this matter and ensuring that my consumer rights are upheld. I contacted the company at the end of XXXX to notify them of a layoff that occurred at my employer ; therefore, I was laid off and called to exercise my credit protection plan that I paid into monthly. Today ( XX/XX/XXXX ) I called to ask why I am showing as delinquent and I was told that my account was closed in XXXX ; however, this information was never disclosed to me and my credit report is not showing closed, it is showing open/delinquent. I asked the account manager, XXXX to please reverse this delinquent as this should not be reflected and is an inaccuracy on my credit. She went back and forth with me in a very unpleasant, unprofessional manner. I am extremely dissatisfied with how my account was mismanaged, I paid for a service and did not receive it. I plan to seek litigation unless this item is completely deleted from my credit. I want a letter emailed to me within 3 business days : ( XXXX ) on company letterhead stating that this account is no longer in delinquency and the matter has been resolved. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern This letter shall serve as formal Notice of my file a Complaint with the FTC, due to your blatant disregard of the law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
For the record, the following information is being erroneously included on my credit report. If you do not immediately remove this fraudulent and incomplete information, I will file a formal complaint with the CFPB. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you. 

Incorrect Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$460.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1800.00} Inquiry : XXXX XXXX, XXXX XXXX, XXXX Please block this fraudulent information per sections, 615 ( f ) and 623 ( a ) ( 6 ) 15 U.S.C 1681 section 602 A of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my Credit File under federal law ; you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX and bank are misleading and fraudulent. I was out of work for a total of 3 months in the transition of changing employment. I fell behind on payments and on numerous occasions called to ask for smaller payments or a payment arrangement. I was told " No, unfortunately we do n't offer any such program ''. 
Once I began working for my new employer, I made several other attempts in which I was again, denied payment arrangements to catch up with my account. The account was opened in XXXX and remained in good standing until this incident in XXXX. Furthermore, I finally spoke with a representative about 3 months later who offered a 12 month program. Very similar to the one I inquired about yet was always turned down. He set me up on monthly payments. However, little did I know that I would need to consistently chase XXXX XXXX XXXX once again, to ACTUALLY deduct these payments. After escalating the matter, A payment arrangement was finally scheduled for 12 months beginning XXXX XXXX XXXX XXXX. I received a notice in XXXX XXXX stating that my account will soon resume back to normal status once the plan completed in XXXX XXXX. 

Here we are, in XXXX XXXX and I have n't received any other notices from XXXX  XXXX XXXX so I decided to call. I 'm also NOT ALLOWED To log into my account or event view any statement information since initially having the issue one year ago. I stated to the representative that I would like to continue making payments however, she notified me that my account has been closed since XXXX XXXX. This is outrageous! No one has mentioned, or disclosed this and I was notified that my account would resume normal status as of XXXX XXXX. They also failed to mail any letter or memo indicating this. 

The representative then told me that I would continue to not have access to any of my information online. However, they also discontinued sending me statements so I 'm blindy making payments and they refuse to disclose my balance, payments and any other charges they may be adding. 

Please assist with this type of credit card bullying. They took me for a ride this past year and now they refuse to disclose my information per my consumer rights.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Original creditor XXXX XXXX XXXX XXXX XXXX Credit Reporting Agency in violation : Chex Systems I have an auto loan with XXXX XXXX XXXX XXXX, that I just refinanced because Ive had to sue the dealership placed loan with XXXX XXXX XXXX XXXX ( despite our presence of lenders ( 2 ) ) and now them for numerous violations and fraud. I was issued a checking acct. My daughters was attached to my account, but I NEVER had any business with XXXX or the fraudulent charges to my account in my name. My daughter recorded the incident in which she paid through her debit card. Her card was swiped for payment and responsibilities. My daughter used my card once for an extension but I NEVR AUTHORIZED any use of my checking debit card for responsibility or any other payments charges, final billing, or use by XXXX for any reason. I have no signed contract with XXXX and I am not liable to them for any funds. XXXX is notorious for using old hold authorizations far after the contract has been closed out of force extra charges that they can not explain. XXXX XXXX XXXX XXXX filed this collections account with Chex Systems who is still reporting this erroneous collections account that isnt my responsibility. This account was fraudulently charged accessed ( see card swipes and manual charges ). Highly illegal unlawful.
Product: Credit reporting or other personal consumer reports

I have old inquiries dated XX/XX/year>. According to FCRA inquiries are only allowed on report for 2 years. I have called and asked for it to be removed and was told that the inquiries were valid and would be removed sometime in XXXX which is over the allotted time to report inquiries