23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My insurance payments are escrowed into my loan, as is required. My home insurance through progressive was supposed to be payed by XXXX XXXX I received a letter that my insurance payment was due like I normally do every year. This year however, NewRez did not make the insurance payment on time, which resulted in a lapse in coverage from XXXX XXXX XX/XX/XXXX according to the date from XXXX XXXX which payment for XXXX insurance policy was made. I received three letters total from my mortgage company, XXXX. The first letter states that I needed to provide proof of insurance. The second letter I received said that my insurance policy had been paid for XXXX and that no further action was required. I then XXXX weeks later, received the third letter from mortgage company that states I will have to pay for insurance for XXXX XXXX XXXX due to a lapse in coverage. The lapse in coverage was due to non on time payment by my mortgage company. I can not make the insurance payment as it is in the escrow account, operated by XXXX. The last XXXX years everything has ran perfectly fine nothing has been late or unpaid but this year something is different. I have included below pictures of the policy renewal for the last XXXX years showing that XXXX  was sent the documents by XXXX. I am not sure why there was a lapse in coverage if the policy states it is effective XX/XX/XXXX XXXX XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I placed a online order threw XXXX XXXX on XX/XX/year> of {$920.00} Loan was transferred to Monterey Financial Services LLC. 
The Transaction was cancelled and i Never received any merchandise. no refund has been processed. I've contacted all parties involved to which has gotten no where and I'm still being charged out of my Bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) mandates that all information contained in credit agency reports be checked for accuracy. I have requested that they verify a bankruptcy that is shown in my credit file as well as the source that is providing the information about the bankruptcy. I requested this over 90 days ago via USPS and have yet to receive a response.
Product: Checking or savings account

I have been constantly ignored and neglected. I waited a month for debit card and had to pay outside sources, in which I was immediately threatened my bank would cancel it. Most problems were in XXXX XXXX  women attacking me a XXXX XXXX  woman, and threatening to immediately close my debit card. And, their staff is not only causing internal fraud on my account, but intentionally mistreating me so I react. I am really sick about bank doing said activity to make me phone them as good things happen when I phone. So, they are bleeding me for time and money, and making what seems like victimization in their own very mentally ill mixed up design to humiliate me. Which mostly I feel is an immature and discriminatory act their causing as their desire for respect and special treatment for problems their causing. I mean how XXXX  are these people to breach fiduciary duty and not care for less fortunate human beings. Their animals, not people and their abusive in power and their responsibilities. I am not a victim, I am just smart enough to know what their front end is doing is illegal. US Bank is who institution is.
Product: Credit reporting or other personal consumer reports

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section XXXX ( b ) ). 
XXXX communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section XXXX ( c ) ). 
Harassment under 15 USC 1692d ( Section XXXX ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Debt collection

XX/XX/2023 ; along with other multiple dates. Would not let me know what this is about until i confirmed my birthday and last 4 digits of my SS #. I delcined. and I still don't know why they are calling my work #, my cell number and my niece 's number and left multiple messages on her cell phone. 

PNC Consumer Services ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus are not responding to my request to have all FREEZES or Security Alerts removed from my credit report. When I apply for credit the creditors tell me they can not access my file. The credit bureaus have not responded to my request to have all of these removed and thus it is a VIOLATION of the FCRA. 

Also I am still seeing Negative remarks on my accounts such as " Consumer Disagrees after investigation or Consumer Disputes..Dispute Resolved. '' They are also placing illegal dispute codes or history and status codes on my file to intentionally hurt me and I want all negative, irrelevant, illegal, untrue statements as mentioned to be fully removed from my file. These codes may go unnoticed by a regular person but I see them and know what they are up to. 

The credit bureaus are placing dispute codes, or comments on accounts that I have never disputed which have zero late pays and perfect credit history, so why would I dispute them. THIS IS WHY I AM NOT GOING TO LIST ANY SPECIFIC COMPANY THIS TIME SO THAT THEY CAN NOT FALL BACK ON PLACING ANOTHER DISPUTE CODE ON MY FILE. I AM REQUESTING THAT ALL DISPUTE, HISTORY AND STATUS CODES AS WELL AS ILLEGAL, IMPERMISSIBLE COMMENTS BE REMOVED FROM ALL ACCOUNTS AS NONE OF THEM HAVE BEEN AT ANY TIME DISPUTED OR ARE CURRENTLY IN DISPUTE. THE CREDIT BUREAUS ARE TAKING ADVANTAGE OF COVID-19 BY PLACING THESE FALSE STATEMENTS ON MY ACCOUNT AND THAT NEEDS TO BE DEALT WITH IMMEDIATEL The bureaus have been issued a letter from my attorney and they are refusing to comply with the Federal law that everything on my personal credit file has to be complete, accurate and verifiable. They are illegally doing things to my file and other peoples files that should warrant a full investigation. 

Lastly they are reporting FALSE addresses on my file as well. The only personal address that should be listed on my file is. 

XXXX XXXX XXXX XXXX XXXX, CO XXXX. There should be NO OTHER ADDRESS being reported on my file. 

THE ONLY NAME SHOULD READ AS XXXX XXXX XXXX EMPLOYER : XXXX XXXX  YOU HAVE 30 DAYS TO COMPLY OR FACE A LAW SUIT
Product: Payday loan, title loan, or personal loan

I agreed to pay a settlement to XXXX XXXX XXXX for two different accounts XXXX and XXXX XXXX who my debt originated with. Also paid Debt Recovery Solution, LLL and XXXX XXXX XXXX. I was told it would update and be removed from my credit report. I would like to see this done asap. These collection are hurting my credit report.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 : {$12000.00} XXXX  XXXX Balance : {$6400.00} XXXX  XXXX Balance : {$12000.00} XXXX  XXXXBalance : {$6400.00} XXXX  XXXX Balance : {$12000.00} XXXX  XXXX Balance : {$6400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account/item which do not belong to me or were opened without my permission. 


XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$78.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX XXXX XXXXXXXX date Opened : XX/XX/XXXX Balance : {$140.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

On Friday, XX/XX/XXXX I submitted a request to pay off my Navient student loan in the amount of {$4000.00}. In their website under the recent payment section, it showed a payment in the amount of {$4000.00} in pending status. At that point, I decided to cancel the recurring payment I had set up to make regular payments. Since the loan would be paid off, I did not want Navient to continue drafting my regular payment. Once I cancelled the regular payment, I checked the recent payment section, and my pending payment of {$4000.00} was no longer visible. Like a reasonable person, I assumed that when I cancelled the recurring payment, the pending payment must have also been cancelled, since it was no longer visible, so I submitted another payment in the amount of {$4000.00} to reset-up that payment that appeared to be cancelled on the Navient website. On Monday, XX/XX/2018, my checking account was drafted twice for a total of {$8000.00}. Navient apparently had not cancelled the initial payment, but has deceptively removed the pending payment from visibility. When I called to try to get the {$4000.00} back, I was told that it would need to do to investigation and that I would need to submit bank statements showing that my account was drafted twice. This process would take 10 business days. Navient can see that they got the money twice. I know they have ACH records that show that the money came out of the same account twice. Additionally, Navient can take my money within one business day, but when asked to return money that did not rightfully belong to them, I was told the process would take at least 10 business days. I have bills to pay and needed that money. Thankfully, my financial institution agreed to return the funds to me and will fight with Navient to  get their funds back. Navient 's process is deceptive and abusive to its customers.
Product: Credit reporting or other personal consumer reports

Consumer name : ( XXXX XXXX ) XXXX Social Security Number ( XXXX ), Consumer Date of Birth ( XX/XX/year> ). Contents of the complaint : This CFPB complaint has been filed to request that TRANSUNION, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ). This fraudulent, incorrect, and false information consists of a CAR LOANS AND HARD INQUIRIES. 

CAR LOANS : XXXX XXXX XXXX ACCT # XXXX {$37000.00} XXXX XXXX ACCT # XXXX XXXX. {$37000.00} HARD INQUIRIES : XXXX, XXXX, XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in multiple bogus INQUIRIES and CAR LOANS on my consumer FICO credit report. I have attached a list of the accounts in question, as well as a copy of your consumer FICO credit report, which includes the aforementioned bogus entries. I do not identify the aforementioned accounts and INQUIRIES, that were reported. I did not open, make, or start the aforementioned accounts, INQUIRIES on my consumer credit report, which you keep. All of the accounts, INQUIRIES listed above are the result of identity theft and fraud. I've attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission to prove that all of the aforementioned consumer credit accounts and INQUIRIES are the consequence of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my rights : XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX, XXXX acct # XXXX XXXX XXXX, XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # 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 an account without my written instructions.
Product: Debt collection

I was called today about this debt. I am currently unemployed and do n't have the financial ability to cover past debts, I am struggling with current bills. 
I told the representative that I was unemployed and unable to make a payment. 
She said that she would note that I was unwilling to make a payment and that if I did not make a payment legal action would be taken against me. 
I reaffirmed that I said I was unemployed and unable to make a payment. 
She repeated unwilling... ( once again not what I said ) This was not the first time this collection agency has done this to me.
Product: Payday loan, title loan, or personal loan

I applied for a loan with upgrade and I was sent an email stating that the loan was ready to be processed and the money was ready to be sent. I later received another email ( twice ) requesting that I send a photo of myself to them which I thought was strange since I am XXXX XXXX. And after sending the photo of myself I then had to call them for verification after Ive already been notified that the funds were ready to go. I then received another email stating that in order to get the loan I would have to join their credit union. These were just unnecessary steps to discourage the process. Upgrade was just looking for any reason they could find not to approve the loan. The discrimination is clear I was told the funds were ready to go. Then I was required to submit a photo of myself and after submitting the photo I was then denied. Which is credit discrimination. I knew I more than qualified based on what Upgrade advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Product: Bank account or service

I used my Paypal account to buy an item from XXXX. The product did not show up until 6 weeks later and was faulty. I went to Paypal seeking a refund from the Vendor and was denied because it was over thirty days in billing. I 'm out of {$12.00} and most likely so are thousands of other people.
Product: Payday loan, title loan, or personal loan

I received a text message on XX/XX/2020 at XXXX XX/XX/XXXXPST from ( XXXX ) XXXX saying that an application with XXXX was received. Then I received another text message from a masked number asking me to respond to the text to approve loan # XXXX for {$700.00}. I texted them back that I did not apply for any loan, so cancel the application. They responded with a PDF of a loan application that used my name, home address, phone number, and an email address that is similar to, but not my email address. It showed that an online application was made on XX/XX/2020 at XXXX XX/XX/XXXXCST from IP address XXXX, which is not my IP address. The lender on the loan agreement document is listed as WLCC Lending TLP dba WLCC TLP and in other places as WLCC Lending TLP d/b/a Rapid Title Loans, a wholly owned and operated economic arm, instrumentality, and entity of the Wakpamni Lake Community Corporation ( WLCC ), a wholly owned and operated economic arm, instrumentality, and entity of the XXXX XXXX XXXX, a federally recognized XXXX XXXX. 

I attempted to call their customer service department at XXXX XXXX XXXX XXXX, but was sent to a voicemail box. I tried calling another listed phone number, XXXX XXXX XXXX XXXX and spoke to a man who said he needed to know the last 4 digits of my social security number to verify my identity. I told him I was not comfortable doing that since my enquiry was about a fraudulent loan application, so he was unable to help me. I also tried calling Wakpamni Lake Community Consumer Complaint XXXX  Hotline at XXXX XXXX ) XXXX, but was unable to speak to a live person. 

After looking through the loan application I was sent I tried contacting all the phone numbers listed to get a live person on the phone, but was unsuccessful. 

I believe that someone fraudulently made an online loan application using my personal information. I have attempted to contact the listed lender, but have been unable to get them to cancel the loan. The different lending websites that have been listed in the loan documentation are XXXX www.rapidtitleloans.com, and www.arrowheadadvance.com. These all appear to be related entities to WLCC Lending TLP.
Product: Credit reporting

XXXX {$480.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XXXX/XXXX/2016 please remove accounts from my credit report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "