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

IN accordance with the fair credit reporting act, the last of account below has violated my federally protected consumer right to privacy and confidentiality under XXXX u.s.c. 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 
Name ... XXXX XXXX XXXX Account # XXXX Name ... XXXX XXXX Account # XXXX Name ..XXXX XXXX XXXX XXXX XXXX # XXXX Name ... XXXX XXXX XXXX .. Account # XXXX Name.. XXXX XXXX in # XXXX Name.. XXXX  XXXX ... Account # XXXX Name.. XXXX. Account # XXXX Has violated my rights. 
15 u.s.c 1681 section 602 A. 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 instruction..

15 u.s.c 1681 C. ( A ) ( 5 ) section state : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years..

15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Product: Credit card

I chose koalifi twice at check out because they did payments for what seemed like a fair amount. If this item is not paid within 90 days, their fees skyrocket. They do not accept returns as they claim, my tires I purchased didnt fit and they wanted to charge me {$200.00} to return them- unused! I have since paid more than what the items even cost and they want 3xs the amount in what Im guessing are fees. When you choose Koalifi at check out it does not make all of the terms known. My acceptance email alone says nothing. Do 60 seconds of research about this company. I wish I had. In my attempts to reach them they state they cant locate my account, I sent them the screenshots below, my name and the account numbers are listed. Also something MANY people report that they do.
Product: Mortgage

XXXX XXXXXXXX XXXX erroneously recorded a {$52000.00} XXXX XXXX loan and property lien for a prior 90-day delinquency that was cured by 3 months of increased ( liquidating ) payments. As current loan servicer for XXXX  XXXX XXXX, Carrington Mortgage has agreed to investigate the complaint however, they require all communication with them be via fax - only.
Product: Debt collection

I have n't heard ANYTHING from this clinic nor phone calls or notice letter regards to this amount. I just received email from XXXX that I have XXXX collection. Then I was surprised.
Product: Credit card or prepaid card

HSBC Bank XXXX Credit card customer informed me that they were lowering my available credit limit without reason or cause which resulted in lowering my credit score and hurting my ability to utilize credit. I had a balance below 50 % of my available credit and have never been late on a payment so this comes as a surprise with no recourse. This action should no be allowed without cause as it hurts peoples credit scores and purchasing power with no notice.
Product: Checking or savings account

I received an email from TD Bank today XX/XX/2023 stating that I opened a new bank account with them. I called to report that it was a fraud account and they asked for my social security number to look up the account. I told them that I was not giving them my social security number. She looked up my zip code to find the nearest branch so I could go to the branch to resolve the issue, but there are not any TD bank branches in my state. I was referred here.
Product: Debt collection

On  XXXX / XXXX /  XXXX   I received a call from a supposed company called "   XXXX   ''. Not only did the lady call my phone, she also called my parents house looking for me. She called my mo, first and told my mom that this coming Friday she was either coming to my residence or my job with " papers '' for me to sign and if I did n't sign them then I would be going to court. After she called my mom, she called my phone and told me that if I did n't call this number  XXXX   XXXX   XXXX   XXXX  that she would be coming to my home or my job. I called the number and mentioned the file number she gave me which was  XXXX  and spoke with a  XXXX .  XXXX  said she worked for   XXXX   XXXX   which was a pre legal service/attorney office. She said she was representing  checksmart  and that I owed  XXXX . I asked them what kind of company this was and she said a legal company representing checksmart. This company called my elderly parents issuing threats against me to " subpeona '' me to court which upset my parents. This is totally wrong and unlawful
Product: Debt collection

Franklin Collection Service is trying to collect a debt that I don't owe. I have submitted a dispute to through the Credit Bureaus. I have not received any correspondences from this collection agency prior to this being put on my credit report. The previous collection agency that had this account removed it from the all the credit bureaus. I have repeated stated that I have never had an account with XXXX XXXX but they continue to send this false information to the credit bureaus ruining my credit score. The collection agency is Franklin Collection Service, XXXX XXXX XXXX XXXX, XXXX, MS XXXX.
Product: Credit reporting or other personal consumer reports

These items was supposed to been deleted before the 30 days and before investigation was COMPLETED and the three credit bureaus XXXX, XXXX and Experian didnt do so this is a VIOLATION OF FCRA LAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy were it state a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

I am a XXXX XXXX with a paycheck that was disbursed by the XXXX  ( XXXX ) for deposit today, XX/XX/2019. 

The deposit is not reflected in my account. 

Attempts to contact NFCU are futile. Their phone lines are completely down. I cant get any information about why my paycheck that was disbursed is not available to me in my account. This is my paycheck not NFCUs to do with as they pleased. 

I have no over due payments and am not overdrawn. They simply have not posted my pay to me and will not tell me why.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has contacted all three credit bureaus via letter to remove a charge off status. Both Experian and XXXX refuse to update my credit report appropriately, despite having the letter from the creditor. They continue to update and leave the CO ( charge off ) status on several months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$130000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$22000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2800.00} ; XXXX XXXX Balance : {$56.00} ; XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$8900.00} ; XXXX XXXX XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX : {$1100.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a report with identitytheft.gov but I am not able to get a copy of that report because the temporary passwords they send me don't work and I am unable to speak with a living person. 
see attached for other information
Product: Credit card or prepaid card

I apply for tanf in the state of GA on XX/XX/2020 on the XXXX I was approved. I was told ill be getting a card in the mail in 7 to 10 it been 12 day and no card. I have lost my card insurance due to not being able to pay
Product: Credit card

I received a cash app card in the mail. The card is in my name, but I do not have a cash app account and I did not apply for this card. My understanding is that a card of this type can not be applied for without my SSN. So I would like this account closed immediatly.
Product: Credit reporting or other personal consumer reports

I moved to a new address and did not receive notification that my annual renew fee was assessed on my Indigo Card ( Concora Bank ). Contacted the card issuer and explained the situation. I was given my late fees back as a refund and I was also told to contact their " Back Office '' by mail to have the late fee removed from my credit report. The " Back Office '' instead disregarded the explanation for the unfair situation even when I explained I have NEVER been late or missed a payment on this account. I felt their lack of empathy in this situation was terrible. My intentions are to cancel this card as soon as possible if I don't receive a good resolution to this situation.
Product: Debt collection

ok so i send out a letter to the company XXXX XXXX XXXX XXXX XXXX ... ... debt is Not recognize by me. they have send letters to come a agreement but i just ignore them. The debt aomunt is XXXX and the date goes back to XX/XX/12. so i aslo send letters out to Transuion/ XXXX /XXXX. So on my credit report the olny one that still show up on debt is Transuion. The rest of the reports the debt was erased. i need help for this debt dose not show up on my credit report no where/ Transuion.
Product: Debt collection

Received 2 calls on my office line and my cell regarding a credit card debt from 2012 on a Providian credit card that was reported as fraud years ago.
Product: Debt collection

I have a complaint against the company American Account Advisors, based on the response to the complaint that I made, they sent the letter but until now they ignore my Answer, there is no validation of what they are doing is violation and they are abusing their position as collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, any item that is proven to be inaccurate has to be removed from my credit reports. Please note that XXXX  is reporting inaccurately and the account lists many inconsistencies. This item was in dispute with XXXX on XX/XX/2020 and somehow it returned valid. I immediately sent over a MOV ( method of verification ) and it returned as remain on XX/XX/2020. The report number is XXXX. I havent received any paperwork on this account and the bureau ignored my request for the proper MOV. How were you able to verify so quickly and HOW? I feel like I am being treated unfair and this company is being allowed to destroy my credit reports and character. My reports are a reflection of ME. 
This item needs to be removed from all three of my credit reports as it is in fact reporting inaccurately.
Product: Mortgage

I am XXXX and have multiple life altering XXXX. 
In XXXX, I was notified that I was awarded a {$95000.00} HAF grant from NYS to help reinstate my mortgage. The arrears were less {$90000.00} at the time of my HAF grant approval. The servicer, Selene Finance, refused to correspond with the HAF representatives or return their phone calls. This lasted over XXXX months. 
In XX/XX/XXXX they withdrew the foreclosure action in court only to refile it months later adding more money to the balance. 
These additional months caused my arrears to become almost {$130000.00}.

So I applied for a modification of the {$30000.00} balance using the HAF grant as a credit. But they would not approve it as they used the entire arrear balance and would not acknowledge the HAF money at all.

The additional unpaid months that were added to my balance includes a large amount of " miscellaneous '' which I believe was to deliberately raise the amount I owed to keep me financially ineligible to reinstate my mortgage. 
Because XXXX would not consider the {$95000.00} HAF grant credit and refused to cooperate with HAF representatives, my grant was withdrawn by HAF at the end of XXXX. 
On XX/XX/XXXX I have submitted another modification request asking to approve a short sale of the house instead of foreclosing but XXXX has not responded.
Product: Credit reporting or other personal consumer reports

I've discovered unauthorized or misleading items XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Reference number : XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collections/Charge off : 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 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

This should be properly investigated since I already made my repayment due to COVID for this account as agreed but this company keeps on charging fees which I never authorized and I was not informed.
Product: Student loan

I received my 1st bill from XXXX student loans stating that my loan was past due and I already owed them 2 loan payments. This was the XXXX letter I received and it also had late fees. I attempted to contact them several times and spent hours on hold. Yet I could not get through. Also listed where my alleged loans but it appeared like they were doubled then what I had ever received. less then a week later received a XXXX letter that I am now 3 months behind and over {$600.00} is owed. Please help! I can not afford this, especially when they have some how doubled my loans I don't want to start paying them when it is not right but I can not get ahold of anyone.
Product: Vehicle loan or lease

I wanted to revoke my power of attorney from both parties and exercise my right to rescind XXXX XXXX XXXX which is Exeter finance LLC XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX failed to comply with the instructions I continue to give and told I did not know what I was talking about. I told both parties that their was fraudulent actively and that this was a comsumer transaction and they just ignored me I need this to be taking a arbitration as soon as possible because they are telling me that I am lieing
Product: Debt collection

MRS BPO LLC. Said that I opened an account with XXXX XXXX XXXX on XX/XX/XXXX, of 2021 which is not true. I do have XXXX XXXX XXXX, but I've been with them for 2 years now. These people keep hitting my credit for something I didn't open this year. And calling like crazy saying I owe them {$1400.00} dollars. Please can u help me.
Product: Checking or savings account

Capital one Bank was told there were unauthorized fraudulent charges made to my account. I went to one of the locations and spoke to a representative who credited the account. Capital one ( an oversees branch or division ) claims that no credit was ever issued for one of the transactions, ( receipt from merchant is attached to this complaint ) so they refused to credit the other transactions and they stole the credit issued by the merchant. ( this may sound unusual, but capital one appears to have somehow deleted the credit 's issued by the merchants, and essentially stole money from the checking account. 

I did not give capital one the receipt that showed that the merchant credited the account because I wanted to be sure that what they call an investigation is not an investigation at all, Capital one is simply just denying claims. So they do not know, I have documentation proving the account was credited and in so they are committing fraud on American consumers from an over sees branch/division and essentially robbing those who use their services in the US. One document is attached proving this is attached to this complaint.

Below are charges added to the capital one bank account this morning, by the offshore capital one operations... 

XX/XX/XXXX Icon Dispute Credit - XXXX XXXX XXXX XXXX Provisional Credit + {$81.00} XX/XX/XXXX XXXX XXXX XXXX Purchase XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX Dispute Credit Reversal - {$49.00} {$550.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX WI Dispute Credit Reversal - {$62.00} {$600.00} XXXX XXXX XXXX Decrease Int Paid ( XXXX ) Decrease Int Paid- {$0.00} {$660.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX WI Dispute Credit Reversal - {$49.00} {$660.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX WI Dispute Credit Reversal - {$7.00} {$710.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX WI Dispute Credit Reversal - {$12.00} {$720.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX GE Dispute Credit Reversal XXXX {$21.00} {$730.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX WI Dispute Credit Reversal - {$15.00} {$750.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX XXXX WI Dispute Credit Reversal - {$10.00} {$770.00} XXXX XXXX XXXX Decrease Int Paid ( XXXX ) Decrease Int Paid- {$0.00} {$780.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX  XXXX XXXX XXXX  Dispute Credit Reversal XXXX {$50.00} {$780.00} XXXX XXXX XXXX  Dispute Credit Reversal - XXXX XXXX XXXX GE Dispute Credit Reversal XXXX {$7.00} {$830.00} XXXX XXXX XXXX Decrease Int Paid ( XXXX  ) Decrease Int Paid- {$0.00} {$830.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX XXXX Dispute Credit Reversal - {$140.00} {$830.00} XXXX XXXX XXXX Dispute Credit Reversal - XXXX  XXXX XXXX WI Dispute Credit Reversal - {$30.00} - {$23.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Purchase - {$120.00}
Product: Money transfer, virtual currency, or money service

While on business my phone was stolen form my hotel room, along with other valuables. 

I filed a police report with the XXXX XXXX. 

Whilst in the thieves hands, they used my credential to pay themselves money. 

A total of {$300.00} was stolen from my account. 

Cashapp wont even discuss the matter with me.
Product: Mortgage

PNC Mortgage Escrow under paid XX/XX/XXXX property taxes which resulted with XXXX lien placed against our property. XXXX PNC motivates us ( via phone call ) un-freeze our equity line of credit with them because values are up again. They charged XXXX dollars, then turn us down. Our PNC Mortgage and PNC Equity Line of Credit are on the same property. This all happened XX/XX/XXXX. 

Regarding the XXXX created by XXXX underpaid property taxes. I found out only after my XXXX credit score went from XXXX to XXXX in one quarter. After researching, I was shocked to fine a XXXX lien on our house due to the XX/XX/XXXX underpaid property taxes. With more digging, found out that a 3rd party entity purchased the tax lien from the city/county. With the potential then to be sold on the county court house steps. After notifying PNC, they claimed no knowledge. I went to the 3rd party entity to please print the XXXX information and sent this to PNC. Their Escrow department blames us for not keeping them up to date with the property taxes. They claim we lost an appeal while we actually were successful in getting the property taxes reduced from XXXX to XXXX. With more complaining, PNC eventually did pay back taxes. They are not helping to get the XXXX removed from credit and claim not their problem when it was them not paying the taxes that created the lien. Having an escrow account, I thought was to help protect our property taxes being sold to a 3rd party entity, then sold on court house steps. PNC accountability to customers, mis-management of escrow has caused serious damage to our credit. 

After the XXXX ordeal ; ( this summer ) PNC guided me toward unlocking an existing PNC Equity Line of Credit on the same property. Person on PNC phone marketed how easy it is to unfreeze an equity line of credit due to values going up again. Simply pay XXXX to have your account un-frozen. Not an issue. They denied the unfreezing of PNC Equtiy Line of Credit. We live in XXXX and next to XXXX ( Where properties have seen values soar ) ; We also live on XXXX 's new green park system called the XXXX. 
Was it the XXXX that PNC created, then used to deny us? or was it the Appraised value which is also very questionable. We are very concerned with the mismanagement of escrow and marketing used. And also want to help prevent this from happening to other people that have escrow accounts that pay for property taxes and insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX claims I have an credit account with them, although I have ordered from this company in the past I have never used their credit services, I always paid them with my personal debit account. But they insist that I started an account with them, which I did not.