23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, Sorry to bother you with this but I see no other choice, being a consumer fighting a big bank with departments to defend themselves, but to file complaints against my current bank for additional insurance charges that are not warranted and was never asked for. I have a loan that begin in XX/XX/2003 for an apartment/condo in XXXX. I'm the president of the condo board. Back about 7 years ago they wanted insurance that covered the wall studs in, which I provided although PNC Bank actual charged me but reverse it after I argued that I already had insurance covering that. Now they are claiming some other bogus claim that I do not have this or that insurance. First they claimed they never received my insurance coverage proof then once they got that they came up this claim that if I turn the building upside down it covers that. What? I did some research on this years ago and banks like PNC and XXXX XXXX were being sued for forcing mortgagees to buy insurance from companies that they either owned or had some affiliation to. So, if my bank which I signed an agreement with back in XX/XX/2003 decides that I need some type of insurance that they decide it should be enforceable? This sounds very corrupt and sets a bad precedence going forward. I would appreciate if you can notify them to stop trying to come up with created ways to charge me and others insurance so one of their affiliates can make money. I fully understand my insurance coverage and this is not justified and seems illegal. This is not my first run-in with PNC where they did everything to prevent me from refinancing my existing loan with them at a lower rate. Thank you for your time. 

Sincerely, XXXX XXXX XXXX Loan # XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : XXXX have violated my rights. 

The following accounts display as hard inquiries that i am unaware of & have also violated my rights. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

Requested signed documents made by me and any documentation regarding unauthorized credit card found in credit report for multiple XXXX XXXX accounts ending in : XXXX, XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a ( 4 ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared, and that right is guaranteed to me pursuant to 15 USC 6801 ( a ) 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. Mariner Finance 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. Mariner Financial the financial institution and the Consumer reporting agencies XXXX, 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 Mariner, XXXX, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, XXXX, and XXXX never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

cash app allowed someoneto change my email and phone number then stating they cant idebtify me because of this reason. i had an XXXX stolen and this is what started it all. theybrefuse to help me recover my own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX, XXXX, and Transunion has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681 section 602 A states I have a right to privacy. These addresses do not belong to me : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans on my credit reports from Experian, XXXX, and XXXX  that are listed 3 different ways and being duplicated. One one platform they show paid 100 % and closed and on another platform they show collections. They are not in collections and have be either paid in full to creditor XXXX  or is currently in full repayment by a graduated loan to the Dept of Ed/XXXX. The loans are listed as XXXX  XXXX XXXX  , Dept of ED, and US Dept of ED. ( also as US Dept of Ed/XXXX/XXXX, Dept of ED/XXXX/XXXX  ) I have worked out a spreadsheet that shows the loans, the dates they were opened and the amount to cross reference how they are all listed differently across platforms. They are not in collections and stem back as far as XXXX. I have a letter from XXXX where I have satisfied a loan amount with them for an offered settlement of over {$40000.00}. I am currently paying XXXX/Dept of Ed for a loan over {$35000.00}. So my debt is taken care of. I have disputed these and they are not budging to remove them from my report. It is significantly affecting my life and the ability to get something as small as a car loan. I would like this removed as they are extremely old and the information is not correct. I have tried taking care of it myself with no luck. XXXX  seems to be the only platform working to remove any negative information but XXXX  and Experian are not. I do not understand how a loan can be marked as paid 100 %, pays as agreed, or Paid and closed on one platform but another shows it as not paid and in collections. This information is inaccurate. The loans run from XXXX-XXXX. Closed dates are from XXXX-XXXX.
Product: Debt collection

Sometime in XXXX of this year, I got a letter claiming I owe $ XXXX for " driving without a license '' in Texas XXXX I have never been to Texas nor driven outside of being taught how to drive when I was XXXX or XXXX. They've been bombarding my mother 's work with calls asking for me. The latest being XX/XX/XXXX. The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

3. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried many times, ( emails, phone calls, file a report ) to contact Experian and talk to someone that had the authority to act in my behalf. They don't return phone call request, nor do they follow up on reports that you give them. 
I have about a XXXX credit score, which I am proud of, but I am getting turn down for credit cards, because of Experian lack of correcting a problem with XXXX. I do not need the extra credit card, but was only interested in the points offering. 
My problem with XXXX is a faulty I phone I return back to them many years ago. They said they never received it back and I said I did return it. I told them they have serial number and can trace the phone. I ask then to trace the phone by serial number and they never responded to request. XXXX is negligent and fraudulent in this manner. I do not own them {$900.00}, never used that phone, and will not pay for something I do not owe.
Product: Student loan

I contacted Dept of Education/NELNET several times, about making payment. My loans where to be in a deferment due to the pandemic. I was advise that they would not defer my student loans, and now all 4 loans reported late to all 3 credit agencies showing past due for XXXX XXXX
Product: Checking or savings account

I have not received my paycheck direct deposit in the amount of {$1000.00}. It should have posted on Wednesday XX/XX/year>. It is now Friday, XX/XX/year> and I still have not received it. I am a XXXX, a single mother and a caretaker of my XXXX mother. We can not pay our bills due today, nor put gas in our car, nor buy groceries. I have bills that are on autopay that will be coming out. We are in dire straits.
Product: Credit reporting

Wrong name on my credit report ( XXXX XXXX XXXX ) is not my identity and would like dispute the name and remove from my credit report.
Product: Credit reporting or other personal consumer reports

I do not have a contract with First National Collection Bureau Inc and I do not owe any debt listed with this company, please delete this debt from XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

To : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Formal Dispute Unauthorized Debt Assignment Dear Sir/Madam, I am writing to formally dispute the alleged debt associated with XXXX XXXX XXXX  XXXX which has been assigned to Portfolio XXXX XXXX XXXX XXXX ). I am not liable for this debt, and I do not have a contractual agreement with XXXX XXXX XXXX authorizing them to collect any amount from me. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting : Debt Validation XXXX must provide proof that they have the legal right to collect this debt, including a copy of any original agreement with my signature. 
Proof of Assignment Documentation showing XXXX XXXX XXXX  lawfully transferred or sold this debt to XXXX. 
XXXX XXXX XXXX XXXX this debt has been reported to the credit bureaus, I demand its removal if it can not be validated. 
Until proper validation is provided, I dispute this debt in its entirety. Any continued collection efforts or reporting of inaccurate information may be considered a violation of federal laws, and I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 

Please provide a written response within 30 days of receiving this letter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Past Due {$160.00} Ive contacted the company about reporting these late payments. This is fraudulent and ILLEGAL.

XXXX ; Past Due Collections account, I have reported this inaccuarte account. This is ILLEGAL to report per US Codes listed below XXXX ; Past Due {$730.00} Collections account. I hace reported this FRAUDULENT account. This is ILLEGAL to report per US Codes listed below, XXXX ; Past Due {$2900.00} Collections account. I have reported this account and it is FRAUDLENT and being reported ILLEGALLY per US CODES listed below XXXX XXXX ; Past Due {$250.00} Collections account. I have contacted them and this account is fraudulent and being reported illegally per US Code listed below XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) Past Due {$1400.00} Collections account. This is a fraudulent account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion, XXXX, XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$69.00} XXXX XXXX XXXX  **** Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My complaint is that Regions Bank conducts fraudulent business practices, specifically reordering of transactions and giving fraudulent account balance information. Also the Practice of Charging overdrafts on pending charges. I had a positive balance in account as of XX/XX/2018, made several transactions from account. Checked balance on the online bankling which showed positive balance after those transactions. Made an ATM withdraw which put account into negative status and understandably incurred one overdraft fee. Had a direct Deposit that would cover the one ATM charge that should have posted at midnight. Checked account onXX/XX/18 to find transactions reordered which cause my account to incur multiple overdraft fees instead of one fee. This is the second time this has happened.

See conversation below for previous dates.

] > XXXX, Thank you for your response. My name is XXXX and I will be happy to assist you. 



I apologize for any inconvenience that this matter may have caused you. When a purchase or withdrawal is made with a CheckCard,  those funds are immediately held ( or " frozen '' ). Purchases made with a CheckCard have been guaranteed to that merchant and represent goods or services that have already been received. This means that during processing each night, there must be enough funds available in the account to cover the items that are posting and the items that are still pending. 

The balance in the account before posting on XX/XX/2018 was {$19.00}. There was 2 transaction pending ( holding ) for {$16.00} and a deposit of {$35.00}, which left an available balance of {$38.00} for us to pay the items posting to your account that night.

There were then 4 items presented for payment on the account totaling {$40.00}. We paid the items for you, but the account was charged the overdraft fee since the funds were not available to pay one of the items. Even though the funds were in the account, they were not available since they had been guaranteed to other merchants for the pending items. 

I know this can be complicated. To make things easier to understand, we provide a breakdown of your balance on this date ( or the date of any overdraft occurrence ), from your Account Details screen. All you have to do is click the green fee name in the description column. This will allow you to view the Overdraft Notice.

While we understand that your Online Banking, Mobile Banking, and alerts are wonderful tools that assist you with your financial needs, we are unable to guarantee the alerts or balances will be made and reflect in " real-time ''. This is due to a number of factors which can cause delays such as service provider or carrier outages, merchant/bank processing, inbox filters, etc. Because of this, the only way to know what the true available balance in your account is, is by keeping a written log of all transactions and deposits for each account.
Product: Credit card or prepaid card

I called Chase Bank on XX/XX/ to file a complaint. I had a credit card with a XXXX balance and {$4500.00} credit limit that I saved for emergencies. We're in the middle of a global pandemic and I went to use my card to find out it's been closed due to inactivity. During a crisis when I needed to stretch till pay day and this is how Chase treats me.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED XXXX XXXX. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2019 I deposited a check through the Bank of America ( BoA ) mobile banking app. This was check number XXXX, in the amount of {$2200.00}. This is cashier 's check written from Bank of America. As it was deposited through the mobile app and on a weekend, I assumed {$200.00} would be released immediately and the remaining amount released on Tuesday, XX/XX/XXXX ( the second business day after the deposit ). This is also the date that it was indicated to me online that the funds would be released. I checked my account on Sunday and a hold was placed on my entire checking account. On Tuesday ( XX/XX/2019 ) the funds from the check were released and credited to my account but a debit in the amount of the check was also placed on my account. Now I am being told the funds will be released tomorrow morning at XXXX XXXX ( XX/XX/2019 ). I have contacted BoA twice ; on Monday and Tuesday and given misinformation both times. This is unacceptable, the cashier 's check is written from a BoA account so verifying funds should not be an issue, I have had this account with BoA for about two years, and this is an account in which overdrafts are not possible.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for violations of the Fair Credit Reporting Act ( FCRA ). TransUnion has failed to meet its legal obligations by neglecting to conduct a proper reinvestigation of disputed information on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved, causing ongoing harm to my credit standing. I request immediate corrective action to investigate and resolve these disputes in accordance with federal law.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$32000.00} XXXX XXXX Balance Owed : {$32000.00} XXXX XXXX XXXX Owed : {$32000.00}
Product: Debt collection

On XX/XX/23 I saw that XXXX collection professionals reported a medical collection on my credit report. I promptly called to duscuss and confirm information. I did not receive any notices or mail prior and have not been provided copies of requested documents. I alose called XXXX XXXX and they advised they could do nothing although when i accessed my account in the last year the debit did not show as incurred or due on billing site. This is under {$500.00}, medical and there has been no help from either company in confirming debit. Credit dispute filed however no update other than amount confirmation received