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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, HI XXXX ; XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$13000.00} ; XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the numerous unsuccessful attempts I have made to rectify late open accounts associated with my financial profile, as well as the prompt removal of a public record from my credit report. The persistence of these issues is causing significant distress and financial harm, and I am deeply dissatisfied with the lack of resolution. 

The late open accounts and the presence of a public record on my credit report are adversely impacting my creditworthiness and overall financial stability. Despite my repeated attempts to address these inaccuracies, they continue to linger on my financial records, hampering my ability to secure loans, credit, and favorable interest rates. 

I initially brought these matters to your institution 's attention and since then, I have made numerous diligent attempts to have them corrected. However, my efforts have been met with repeated denials and delays, exacerbating the negative impact on my financial well-being. 

I urgently request that your institution takes immediate and effective action to rectify these issues. Firstly, I expect a swift review and correction of the late open accounts associated with my financial profile. These inaccuracies must be promptly removed from my financial records to ensure the accuracy of my credit report and restore my creditworthiness. 

Additionally, I request the prompt removal of the public record from my credit report. This item is inaccurate and unfairly tarnishes my credit history, and its removal is essential to mitigate its adverse effects on my financial standing. 

I understand the importance of accurate and up-to-date credit reporting, and I trust that your institution values its customers ' financial well-being. Therefore, I urge you to prioritize the resolution of these issues and to take proactive measures to prevent similar inaccuracies from occurring in the future. 

Please maintain open and transparent communication with me throughout the resolution process and provide regular updates on the status of my disputes. With this, I am asking for your assistance to remove or correct these items in my credit file : 1. XXXX XXXX XXXX Balance Owed : {$1000.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

2. XXXX XXXXXXXX XXXX Balance Owed : {$2100.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

3. XXXX XXXX  Bankruptcy Reference XXXX XXXX XXXXXXXX - The bankruptcy is reported beyond the permissible time limit. According to the Fair Credit Reporting Act ( FCRA ), bankruptcy information should be removed from my credit report. Please investigate and rectify this discrepancy.
Product: Credit reporting or other personal consumer reports

XXXX does not report a Bankruptcy but XXXX and Transunion does so I would like for it to be removed from all. Thank you.
Product: Debt collection

In XX/XX/2020 XXXX XXXX XXXX put an unknown collection on my report. This collection is not mine and belongs to someone else.
Product: Checking or savings account

The questions do not really apply to this. 
I tried to receive the paycheck protection program from Bank of America. This is my small business bank since XX/XX/XXXX when we opened the business. I was told that since I do not have a loan or credit card history with them that I am not eligible for the program. I have checking and merchant services through them. 

This is a federal program backed by the SBA to help small business stay open during the Covid-19 crisis. 

I have not needed any loans or credit cards from BOA. I do not see how Bank of America can keep my business from receiving these funds just because I have not taken out a loan with them previously. 

I also can not go to another institution because you are required to have an existing account with any other bank before XX/XX/XXXX.
Product: Mortgage

Freedom Mortgage mismanaged my property taxes and escrow account and has now created a hardship for me to pay an additional estimated {$400.00} per month on my mortgage due to their negligence. Freedom Mortgage overpaid on my property taxes by approximately {$2000.00} and wanted to issue me a check separately in the amount of approximately {$1400.00} ( an amount they stated was due to me which caused my escrow balance to be depleted ). This check has not been received or cashed. Now Freedom Mortgage has included this additional payment to my mortgage due to their negligence. Freedom Mortgage has not assisted me with correcting this issue and continues to say " oh well ''. Their negligence could cause me future hardship with my credit rating, meeting other necessary monetary obligations and noone is willing to assist with Freedom Mortgage 's NEGLIGENCE!
Product: Checking or savings account

On Thursday, XXXX XXXX, XXXX I deposited a check on my JP Morgan Chase Personal Checking Account drawn on XXXX XXXX from a Government Agency, XXXX XXXX XXXX for {$2300.00}. I was told that the entire check would be held for 7 business days by the system from the branch teller but they could not say why. They suggested I call Corporate to find out about getting it released. 

I contacted Chase by their secure message system and they told me it showed to be released on XXXX. On XXXX, the funds were still not available and my account went into a negative balance. 

The money was already swept electronically by Chase by XXXX and this is a deliverate fraud to use my money for 11 days and collect interest on it. 

I ask for an investigation to JP Morgan Chase Bank practices of holding collected funds from the account holders as I am sure this is a Nationwide practice. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone has applied for credit in my name without my consent and my permission. My idenity has been stolen and missused without my knowledge until today when I was notified by XXXX that my credit was pulled by several other companies as well. The companies that pulled for information are 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. I am asking that the fraudlent inquires be removed as I dont recognize them and havent given any consent for anyone to pull my information. Please help me im so lost.
Product: Checking or savings account

XX/XX/XXXX : I received a check from a mystery shopper company. I went to a Bank Of America branch location and deposited the check. The manager advised me to call BOA a day or two later to confirm the check is valid and the funds deposited before withdrawing the money. 
XX/XX/XXXX : I checked my BOA account. I saw the funds were deposited as a counter-credit. I contacted BOA over the phone. I asked the representative to clearly tell me if the check was verified and cleared by the clearinghouse. The BOA rep told me it had been, and told me I could withdraw the funds without worry. I withdrew the funds. 
XX/XX/XXXX : BOA withdrew the counter-credit, claimed it is a fraudulent check. The mystery shopper company is not responding to me. Had the BOA rep not given me false information, I would not have withdrawn the check. Due to her faulty representation of BOA check verification process, I have now lost {$2000.00}. I contacted BOA to remedy the situation but to no avail. 
As a customer, I do not have inside knowledge on the check clearing process. I am left to rely on information BOA reps tell me. When that information is false, the consequences can be very detrimental.
Product: Credit reporting, credit repair services, or other personal consumer reports

The two accounts that's reporting on my credit file XXXX XXXX and XXXX XXXX XXXX XXXX was never verified by the credit bureau that it's my debt and all the things that's reporting. This is against the FCRA & CFPB. I've sent letters every month certified and they refuse to investigate or sent me proof that's both are my debts.
Product: Checking or savings account

This is a follow up to complaint number XXXX. 

On XX/XX/20 I initiated a transfer in the amount of {$8000.00} from XXXX to Citibank from the Citibank website. Citibank debited my XXXX account on XX/XX/20 ; however they were unable to credit my Citibank account. I contacted Citibank more than 15 times in an attempt to resolve the issue, detailed dates and times are available in the original complaint. Citibank 's response to my complaint was to instruct me to " work with XXXX '' to reverse the transfer, even though Citibank initiated the transfer. I did this, and the Fraud Department at XXXX reversed the transaction on XX/XX/20. 

Immediately after the transaction was reversed -- as instructed by Citibank -- I received an email that my Citibank account was now suspended. I have called Citibank once, and emailed three times trying to have my account unlocked, and I have received no response. 

This entire ordeal stinks of either gross incompetence or active retaliation by Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the fair credit reporting act the following XXXX  accounts are violating my rights. 
account # XXXX account # XXXX 15 U.S.C Section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing an inaccurate closing date of XXXX/XXXX/2021. Ive tried to file a dispute and nothing has changed.
Product: Debt collection

Contacted first around XX/XX/XXXX. The collector ( XXXX XXXX, XXXX TX ) told me they were going to prosecute me for fraud. They were very specific about that. Not that it could go there if I didn't pay a judgement. If I was willing to work out a deal with them, the associate would try to pull the case back. 
I worked out a payment and then made two payments before I realized that if it is not a scam, it was certainly not legal to the best of my understanding, how they proceded to collect. They can not prosecute only file a complaint as far as I understand it. Also, if the court wanted to talk to me, they can and would contact me. 
A company called XXXX XXXX XXXX called to tell me they were bringing court papers. They proceded to call my brother to tell him to give me a call as well. As they had already talked to them, calling my brother was nothing more than a tactic used to push me to do what they wanted. 
After two months, when I told them they could not continue to charge my card, the collector was livid. No annoyed, absolutely XXXX. I asked for more information about the claim and they would only tell me the original debtor, who charged it off, the date it was charged off, and amount THEY said I owed. I have no way to verify this other than to contact the original debtor who has been assimilated by another bank. 
I do not know they actually purchased the debt. 
On XX/XX/XXXX, I got sucked in again, but I decided this sounded alot like a scam. The XXXX XXXX XXXX  does identify them on their scam alert. 
When we talked again, the document service again called my brother, which they had been told not to do as they had already talked to me. 
When I asked if they had a judgement against me, they said it had gone " way beyond that ''. I believe this means they do not have a judgement. 
I talked to the credit card company to claw back the money since I suspect this is a scam. They got {$550.00} in two payments. I notified the Texas Attorney Generals office with a complaint and also filed a complaint with the XXXX XXXX XXXX Although they can't go below an F-. I am also planning on contacting their payment processor to make sure they know who they are collaborating with. 
If this is a legitimate claim, they are certainly exceeding what they are allowed to do as identified by your site information. Please feel free to contact for more details. You got the highlights. 

I have been threatened and lied to. I will not deal with these people again. 
If there is a judgement against me, I was never notified of the court date to allow representation. I will gladly do whatever a court tells me to do.
Product: Credit reporting

They failed to update my credit report after the information was submitted to them several times, this account with XXXX XXXX was opened on XXXX XXXX 2014 they have it as being opened on XXXX XXXX which is incorrect. Then they have it as a charge off and it 's not a charge off it was refinanced and paid out by the XXXX that 's reporting on my report in good standing. They were also provided the copy of the checks for the pay out. I have disputed this with them several times and they have yet it update my report with the correct information.
Product: Mortgage

In XX/XX/2023 I received a XXXX solicitation from PNC Bank about their Choice Home Equity Line of Credit product. This mailer did not specify debt to income or XXXX limits but encouraged one to " call, apply online, or visit a branch ''. On XX/XX/XXXX I visited the PNC branch in downtown XXXX on the corner of XXXX XXXX XXXX XXXX XXXX and after handling my business with the teller inquired a XXXX licensed individual ( # XXXX ) specifically about the XXXX limitations of the offer. I was told that PNC would do " 80 % of your equity '' implying a 96 % XXXX and the individual pulled up my home on zillow to provide more detail to the calculation. Based on this conversation I applied online on XX/XX/XXXX and received preliminary approval for the requested amount ( {$100000.00} ). However, no where on the application, the approval, or any other of the documents provided by PNC did they specify an XXXX limit, merely referencing " acceptable valuation ''. After receipt of the property appraisal I received a counter offer for 61 % of requested amount and XXXX the previously communicated interest rate spread over prime ( Prime + 0.16 % to XXXX + 2.77 % ). If PNC had been honest and forthright about the XXXX limitations on the product when I initially inquired I would not have gone through the time and expense of applying as an 85 % XXXX was unlikely to meet my needs. PNC induced me to apply under false & misleading pretenses ( higher XXXX than actual offeres ), concealed this fact at every stage of the approval process, and only revealed thier true intent after all documents were submitted, my credit had been pulled, the appraisal had been completed, and PNC had already added themselves to my homeowners insurance as a second XXXX holder ( despite no such relationship existing ) in anticipation of this abusive process succeeding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got notice from XXXX XXXX I was delinquent on my loan with them for a truck in account ending XXXX. I dont and I never had a vehicle through XXXX XXXX. I did not buy any truck. Eventually I saw the account online, it appears XXXX was paid and XXXX is remaining and they want it from me.I am not paying for what is not mine. I have repeatedy asked for a copy of what I signed or what causes them to say this is my account and they will not, I told them this, that XXXX bought no truck through them ever in my life. Instead of providing me anything showing I did anything wrong they sent me a pre-written statement to sign saying that they believe I have committed loan fraud. I refuse to sign that and told them to put me in jail for fraud. I have been a XXXX XXXX 51 years. My position XXXX XXXX XXXX, I kept that position over 20 years and I have no bad conduct of any type in any internal affairs file anywhere..I certainly have no arrests. My credit report shows a 200 point drop ... this should be dropped as they refuse to show me what I did and when. It has been close to a year and the only action is to accuse me... They need to drop it or put me in jail. My credit MUST be restored ... Hard to imagination someone buying in my name but I know its done, harder to believe they accuse without saying why.or showing me just what I am supposed to have signed.I have talked to them more than several times about this and each time I am told they will look into it and here comes another " you owe '' .Many times I have requested the documents I have signed and they agree to send and they never come... If I did this I sure wouldnt challenge to put me in jail but I do... I owe them noththing and have two other accounts that are good in fact one is overpaid however they have done something and when I try to use my cards they are rejected ... accused without cause, denied what I have congracted with them to do.It should be noted I have -0- information from them on this matter but for the statement to sign where they accuse me. OPEN MY REAL EXISTIN ACCOUNTS, FIX MY CREDIT REPORT, OR PUT ME IN JAIL< GO FOR IT
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.

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 informationisinaccurate.

Please remove these Inquiries from my credit report. 
These inquiriesarelisted : 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: Debt collection

I set up a payment plan with the company ; 4 payments of {$20.00} on the  XXXX  and the  XXXX . I called on  X/XX/17    to CANCEL the payment and the gentleman on the phone told me he would have the payments deleted. I am unhappy with the call. It was unprofessional and the man did n't read any disclosures nor did he verify me or assure me that he was even on the correct account until I questioned him about it. My card was still charged on  XXXX  even though I was told it would be canceled. I called the company to request a refund but the payment coming out has cause me to be unable to take care of other pressing matters. I do not feel comfortable dealing with this agency. The call made me feel as if I was n't speaking with an actual legitimate company. I feel lied to and even though {$20.00} may not seem like a lot to most it is a lot to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for Experian credit monitoring in XX/XX/2015 I have no complaints over the information I have received. However, I now want to cancel my credit monitoring subscription which costs {$25.00} a month. 

There is no way to cancel a subscription online, and when I have called the phone number they give to cancel ( XXXX ) the wait times are extremely long. I have called 5 times now in the past month. The first time I was told the wait time was 45 mins. The next 4 times I called, I was told the wait time was more than 2 hours!! I have called at several different times throughout the day to try to find a shorter wait time, but with no success. 

It seems very clear to me that Experian are intentionally understaffing their cancelation call center to reduce the number of people that are able to cancel membership.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

1

5 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

Hello, This is a formal complaint about the crypto currency exchange that is Coinbase. Coinbase has locked me out of my account and done nothing in the slightest to help me resolve my issue in the last month except for templated emails and useless responses. On XX/XX/XXXX I locked my account due to an accident concerning the changing of my dual authentication for the website. 
I then emailed coinbase support to unlock my account while giving them the necessary details. They responded to me fairly quickly the next day saying they have passed it on to specialists and will get back to me within 4-5 days. 9 days then pass and I make another support ticket only to be merged with the first ticket I created, saying that they would get back to me within another 4-5 days. I have since emailed them three times every few days asking for assistance or updates, to which nothing happens. I am almost positive I have never been into contact with a real human and am just receiving automated messages. It has now been almost a month and coinbase is illegally holding my money and refusing to cooperate with me, as well as thousands of others. I hope that this can be resolved in a timely manner, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.