23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I deposited a settlement check from my lawyers on XX/XX/XXXX to this account. The bank accepted the deposit, but held the funds for several days, as I would have expected is customary. The bank then released the funds to me by XX/XX/XXXX. My lawyer confirmed the settlement check had been processed and returned to them as cancelled. I accessed my account at PNC for several routine transactions ( withdrawals ) from my debit card normally - several XXXX dollars in XXXX and XXXX of XXXX without issue. I visited their branch ( above ) to access some cash from this account on about XX/XX/XXXX. The tellers were very rude to me and were surreptitiously making copies of my Hawaii state ID card, and claimed that Hawaii is " far away '' and that the ID card is " suspicious ''. It is the same card I have had for many years, since we own a home in both Hawaii and XXXX. It is the same card I used to open the account at PNC several years ago. They have previously been abusive when I present this ID card to them, and I decided that I had been abused enough by them and attempted to transfer {$23000.00} to another account I have at a different bank. PNC then FROZE all my funds in this account as some kind of punishment for arguing with their staff, and have continued to block access to my funds as continued harassment by them. I have a XXXX score of more than XXXX and almost $ XXXX on deposit at XXXX XXXX. I have done NOTHING wrong. PNC is clearly IN THE WRONG.
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 XXXX : Balance : {$7800.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$3800.00} Account Name : XXXX XXXX : Account XXXX XXXX XXXX : Balance : {$6300.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$3300.00} Account Name : XXXX : Account Number : XXXX : Balance : {$12000.00} Account Name : XXXX CARD : Account Number : XXXX : Balance : {$3900.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$1300.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$7900.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$4400.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 XXXXXX/XX/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 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

These inquiries don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX XXXX  Date of inquiry : XXXX  This is not mine.

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX  This is not mine.

3. Identity Theft BK OF AMER Date of inquiry : XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX  Date of inquiry : XXXX  This is not mine.
Product: Mortgage

Last XX/XX/XXXX, I spoke to Nationstar about trying to catch up on late payments. I spoke to XXXX XXXX, our Dedicated Loan Specialist, about this matter. She was supposed to take the payments over the telephone as I was unable to go onto Nationstar 's website and make them from there. I called her in XX/XX/XXXX and made a {$2300.00} mortgage payment. We discussed the next payment being made in XX/XX/XXXX I e-mailed and called her numerous times to let her know I was ready to make another payment. She did n't return any calls or e-mails, much to my dismay. Therefore, we got more behind. 

XXXX XXXX, our new Dedicated Loan Specialist, called and asked when we could make another payment. I asked if XX/XX/XXXX 's payment was received and she stated it was not. She went onto say it was more important to get caught up and research would be done to find out where and why this payment had n't been posted to our account.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, MERCHANTS & MEDICAL CREDIT CORPORATION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. MERCHANTS & MEDICAL CREDIT CORPORATION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Vehicle loan or lease

I have an ongoing issue with Carmax Finance for about two years, according to the security Exchange consumers/investors have a right to rescind the security interest agreement, which i had signed by a notary public, and a chance to rebut all the laws and rules of the governing bodies of use of the commercial paper, they have not responded. I am doing the administrative process according to law and will take them in arbitration. They have been pooling the security selling it on the stock market and not giving me any of the proceeds, and in turn double dipping by sending me the T-Bills every month for me to pay, i have sent them the security with the correct procedure and stamp and they dishonored it. I will be complaining anout their indenture trustee because pursuant to the SEC the trustee are responsible to process the securities and XXXX the account, so they have violated and i will be happy to take legal action because they have to follow the rules. They did not return the security i sent or XXXX my account, so now i will file a 1099a, report them to all governing bodies, i am sure the United states and the SEC would like to know how they get away with the so called asset backedcommercial paper, this is security fraud according to the SEC, and i will be a whistleblower for SEC for 20 % compensation..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX " I reviewed my credit report and I see data being reported about me from Firstpoint Collection Resources XXXX I never gave Firstpoint Collection Resources permission to receive my data nor to furnish it to consumer reporting agencies. Please remove this information immediately. '' I don't understand why you all would close the complaint instead of asking for the information you needed. 

I never gave you permission to even have my data nor report anything about me. This is a violation of my privacy and impermissible purpose. 

Please do not close this complaint as you are required to have a contract directly from me saying that I consented to you reporting my consumer information.
Product: Debt collection

I receive frequent calls from  Portfolio Recovery Services.  While I was willing to talk with them at first they began to call so frequently and began to try and guilt me into paying a debt I explained I could not afford that I was forced to block them. They continue to call me nearly every day from a new number.   At one point, they called so frequently that they called within five minutes of my phone being reactivated.
I have ten or eleven phone numbers blocked from them sinc  e   XXXX   alone. There is always a n  ew one, with a new area code to disguise who they are.
Additionally, I have been insulted in their aggressive attempts to collect, one caller go  ing so far as to accuse me of " living off the system '' when I explained I was not married and did nor work and so I could not make a payment on what was a medical credit card debt. I am a student.     I have been criticized and pushed when I have explained my inability to make a payment, to the point I have had to hang up to be left alone. I have been shamed for not being able to do a payment plan like they want me to and I have been reprimanded like a child for being too busy getting off a flight to visit family for  XXXX  to call them.
Product: Credit card

I had fraudulent charges on my account I asked about the policy on their website advertisers of XXXX Zero liability policy none of the representatives could explain this policy or I've heard of it I asked for information to be sent they just quoted off the website but would not honor said policy. I also asked about the get paid two days early advertisement they have and can not get clear answers from the representatives of Chime, In order to get them to send me any information other than tell me to go to the Internet and look it up. Now I have money stolen from my account and I have to wait for them to decide if I can have my money back or not. Could take 20 days Or longer according to them. They also deactivated my card when I told him not to do it yet because there was A transaction freeze button on their app. The agent agreed not to deactivate the card then did it anyway without my permission.
Product: Credit card

XX/XX/scrub>XXXX {$3000.00}. XXXX CHARGES TO TARGET Consumer XXXX  has all my up loaded information and I even sent it to discover thru the mail because you can not upload info on a cell to there site... .I have fought and will continue to fight it and I refuse to pay a bill I did not create! I called FBI AND GENERAL ATTORNEY, XXXX XXXX, CFPB, ALL EVIDENCE I HAD TO SUPPORT MY CLAIM. The other, bank and paypal have dismissed scam charges on the exact same day as discover scams were made. I told Discover now that the CFPB is dismantled due to politics that they could screw anyone now! They are this old lady but they aren't getting a XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX : XXXX has violated my rights. 

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: Debt collection

I submitted a complaint against LVNV Funding XX/XX/2019 it was stated that the said account would be removed from my credit report the account was never removed and it is harming my credit
Product: Mortgage

I got behind on my mortgage due to job loss. I was served with foreclosure papers by my servicer America 's Servicing Company. I was given the opportunity for foreclosure intervention by submitting the application and documents such as paycheck stubs, hardship letter, bank statements, and unemployment records to the attorney assigned to the case by America 's Servicing Company. I did this as requested sending the documents through the mail certified to the attorney 's office by the date specified in XXXX 2014. After this I heard nothing from the mortgage company or attorney for several months. In XXXX 2014, I was sent a letter from the attorney stating that I never submitted the required documents and therefore was ineligible for foreclosure intervention. I answered the letter to the attorney 's office and to the court on record for the foreclosure showing the certified letter receipt that showed the package was received by their office and who had signed for it. I still got no response. The process was allowed to continue making me further behind. If the attorney and servicer would have looked at the paperwork back in XXXX 2014, I would not be as far behind in my mortgage as I am now and would possibly have had a resolution getting my mortgage caught up with foreclosure intervention. Now that the foreclosure process has gone on and now that I am back at work and able to afford my mortgage, America 's Servicing Company does not want to listen to the fact that this could have been fixed over a year ago and is not willing to work with me for a modification to get my mortgage current.
Product: Credit card or prepaid card

Got an email from XXXX XXXX saying a card had been added to my credit report. 
It is from Comenity Bank under XXXX Account # XXXX It was opened in XXXX of XXXX and charged XXXX to the card. 
I did not apply for the card nor have I shopped at XXXX XXXX 
I have disputed this with XXXX along with XXXX and XXXX 
XXXX advised me to go to ftc.gov and that lead me to you. 

I appreciate anything you can do to help me with this. 
It has dropped my credit by 160 points
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no answer was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified account without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance : {$24000.00}
Product: Debt collection

I called Lockhart Morris and Montgomery on XXXX XXXX, XXXX. I called about a debt with XXXX XXXX, to setup a payment plan. XXXX said, " I could n't because I could n't pay a down payment. '' Then we ended the call. After I ended the call, I received a email that my credit was ran for a installment loan. I never asked for or authorized the loan to be ran. I called Lockhart and told them I did n't authorize them to run my credit for any loans. She told me that there allowed to run my credit for loans because, I have a contract with swift. I am now seriously concerned that they will use my personal information for XXXX knows what.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) These accounts report a {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} past due balance. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.
Product: Bank account or service

wells fargo bank allowed directv to go into my account which was not authorized to take {$560.00} out of my account which they did not have this account number to. the bank can not tell me how they got this account information to take the money out. when they had permission it was stop in XX/XX/2016 they took this money in XX/XX/2016 without my permission if the bank let anyone go into your account without having your information something is wrong with the system.
Product: Mortgage

Hello : I have a mortgage with XXXXDovenmuehle Mortgage that I closed on in XX/XX/2020. My home is new and the property taxes were estimated for the escrow account. In XXXX of 2020 I discovered the estimated taxes ( {$2600.00} ) were much higher than the actual property taxes of {$710.00}. I began calling and emailing the lender to adjust my payment and perform an escrow analysis. On XX/XX/XXXX I emailed the actual tax bill to the lender and the first installment ( {$350.00} ) was paid to the county on XX/XX/XXXX. 
I finally received an escrow analysis on XX/XX/XXXX and the amount used for the taxes on the analysis is {$2600.00} which is not the amount due for the taxes. The lender has not adjusted my payment and/or corrected the analysis. When I brought this to their attention their response was I could file a complaint with CFPB, there was no assurance this would be fixed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the inaccurate and unlawful reporting of a XXXX  on my credit report by XXXX, Transunion XXXX XXXX. This entry violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 ( c ) and 15 U.S.C. 1681 ( e ). Details of the Violation : 1. 15 U.S.C. 1681 ( c ) prohibits the reporting of obsolete information and establishes the timeframe in which certain negative items can appear on a consumers report. This XXXX  has been reported outside the permissible time limits.

2. 15 U.S.C. 1681 ( e ) mandates the accuracy and verification of information included in consumer reports. I obtained a letter from the court where the XXXX  was filed, explicitly stating that they do not report public records to credit bureaus. Therefore, the inclusion of this XXXX is both inaccurate and unverifiable.
Product: Credit card

Experian refuses to remove the XXXX XXXX credit card account from my credit report and continues to unlawfully report the account despite me filing numerous requests and receiving a letter from XXXX XXXX stating that the reporting should be terminated. I called a number of times and asked to speak to a manager, but was told that no manager was available and no manager has called me back. This reporting has caused irreparable harm to my credit score and has placed me at a financial disadvantage in my attempt to obtain a mortgage loan. Experian is the only bureau still reporting this account. XXXX and XXXX have removed this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was struck by a cyberattack which potentially put my personal information at risk, making me susceptible to identity theft and other forms of fraud now, and for potentially the rest of my life. This is unacceptable. My information should not have been shared or taken without my consent, and I should not be held personally responsible for the the possible damaging ramifications of this breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two fraudulent medical bills on my credit report that do not belong to me! I have never been to either place for medical services. Please delete that following accounts : XXXX # XXXX Bal {$4200.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX BAL {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have a right to privacy.

16 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. 

XXXX  ( Finance ) XX/XX/2021 XXXX  XXXX  XXXX  XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Bank ) XX/XX/2021 XXXX  XXXX  ( Finance ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX Auto ) XX/XX/2021 XXXX
Product: Debt collection

XXXX  received my identity report and still reporting a collection that dont belong to me
Product: Debt collection

The account states that it was charged off but I never received an 1099 c form and they are the ones reporting on my consumer account so therefore its inaccurate and must be deleted.
Product: Debt collection

Midland Credit has sued me for remaining credit card debt even though I have filed for hardship program thru them and made them aware I am unable to pay anything and that I am a XXXX person who received XXXX and therefore am judgement proof as my wages are protected by federal law. Judge even heard it and said the case is going to trial in court.
Product: Debt collection

XXXX XXXX XXXX is reporting a debt that I do not owe. I have disputed the debt with the credit bureaus. They have failed to validate the debt as mine yet they still attempt to collect the debt and threaten to ruin my credit history. This is having a negative impact on my credit history.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXX XXXX - Date Opened XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX Credit Report reflects multiple collection accounts for the same alleged debt. Derogatory marks include a collection from a XXXX, as well as 2 accounts for XXXX  XXXX, NA ( which I believe are duplicates again, like my XXXX XXXX  duplicate accounts ). XXXX XXXX, The Bureaus AND XXXX are all reporting collections. XXXX credit card XXXX XXXX XXXX, XXXX, and not a separate account. This is causing 3 collection accounts o my credit report. I have also satisfied the balance with LVNV, and therefore these 3 should be removed rom my account. I requested the Bureaus send me ALL documentation associated with this alleged debt, including all applications, and ALL statements from the original creditor, and all I received was one billing statement from the Bureaus. ( Nothing rom XXXX XXXX, XXXX. ). These debts need to be removed rom my credit report for all of the above stated reasons