23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

CFPB, I called ACA and asked politely could they please opt-out my personal information from being shared. Customer Service Rep tells me that I can't opt-out my personal information. And also my closed account I had with them is still being reinserted to XXXX. That's a violation of the FCRA.
Product: Mortgage

I 've had my mortgage with Penny Mac for a few years and have made additional principal payments to bring the principal balance down to below XXXX % original LTV. The PMI disclosure we signed says we can cancel when " the date the principal balance actually reaches XXXX % of the original value of the property. '' Based on the original value of the property, which Penny Mac is using the sales price, we are now below XXXX % LTV. If we used the first appraisal value, it would be even higher. We ordered an appraisal in XX/XX/XXXX through Penny Mac which confirmed our home value increased. There response to me so far has been to deny the request, citing we must have XXXX % LTV of the original value of the home. Our PMI disclosure does n't reference XXXX % LTV at all, and reviewing research on the CFPB web site seems to suggest the XXXX % is an inventor recommendation and should n't be used. Can you please help me clarify? We have met all the conditions needed for PMI to be deleted from our mortgage and continue to get denied.
Product: Credit card or prepaid card

Someone applied for an XX/XX/XXXXXXXX XXXX XXXX through Bank of America. Bank of America pulled my credit report. I did not apply for this card. The people had my social security number, date of birth, full name and home address. I contacted Bank of America and they denied the application. I have filed a fraud alert with the credit report agency. I also wanted to file a complete with FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

Received discharge email in XXXX of XXXX  as part of the XXXX XXXX XXXX  discharge. XXXX years later, I am still waiting for the discharge.
Product: Vehicle loan or lease

Bought XXXX cars ( XXXX XXXX XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX ) both were reported on tax ( 1099B ) as a result the bank that financed me rescinded both accounts in my perception is a result of my reporting both car contracts to the treasury. There is now the dealership parental company attempting to recontract my to pay. I will pay until I find resolved, the only problem that I have is that XXXX Over ran my credit and gave access to other bank without my permission, 3 month after the final sale of the second car I found inquires up until XX/XX/XXXX XXXX which I had no knowledge of until credit was drastically reporting, this is fraud! One of the vehicle was faulty and failed to stop hence deemed totaled by my insurance carrier. As a result now Santander wants the pay out, but they abandoned the contract I have proof, I never received payment coupon or receipt from Santander, I never sent them one payment. I have Santander payment receipts of my phone and via statements by mail for the second car ( XXXX XXXX XXXX ) The also never reported the XXXX ( XXXX car ) but did report the second one until XX/XX/XXXX ( When they rescinded the XXXX Cars contract ) now there is XXXX loans on the credit report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally complain about a serious issue concerning the reinvestigation process on my credit report, as required by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my account with [ XXXX XXXX XXXX  ] despite my efforts to correct this inaccurate information. 

I recently disputed the presence of a late payment on my [ XXXXXXXX XXXX XXXX  ] account, which has negatively impacted my credit history. Under the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was required to conduct a reinvestigation to ensure that any inaccuracies were promptly corrected. 

However, despite this legal obligation, the credit bureau has failed to properly reinvestigate and correct the erroneous information on my credit report. This negligence has harmed my credit score and jeopardized my financial well-being. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and ensure that the credit bureau complies with the relevant regulations. I am seeking immediate action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and [ XXXXXXXX XXXX XXXX ]. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance. 

Sincerely, Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX  XXXX credit reports have a number of inquiries on them that are fraudulent and were not ordered by me.
Product: Debt collection

As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Dispute of Inaccurate Information on Credit Report Experian Dear XXXX, I am writing to formally dispute inaccurate information reported on my Experian credit report. Below are the details of the negative items that I believe are incorrect and should be removed or corrected immediately. 

1. XXXX XXXXXXXX Account Number : [ XXXX ] Issue : Charge-off status. This account is inaccurately reporting a balance of {$1200.00} that was written off, but I have disputed this information previously without resolution. Requested Action : Please investigate this item and correct the reporting. 

2. XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : [ XXXX ] Issue : Late payment inaccurately reported for XX/XX/XXXX. 
Requested Action : Remove the 30-day late payment from my credit report as it was incorrectly reported. 

3. XXXX XXXX XXXX Account Number : [ XXXX ] Issue : Account is reported as a collection account with a balance of {$1500.00}, yet I believe this information is incorrect. 
Requested Action : Please verify and correct this information or remove it from my credit report. 

4. XXXX XXXX  Account Number : [ XXXX ] Issue : Account is reported as charged off with a balance of {$780.00} past due as of XX/XX/XXXX. 
Requested Action : Investigate and correct this inaccurate reporting, as I dispute the balance and charge-off status. 

5. XXXX XXXX Account Number : [ XXXX ] Issue : A late payment from XX/XX/XXXX is reported, but I request the removal of this 30-day late payment from my credit report. 
Requested Action : Update the payment history to reflect timely payments. 
I have enclosed copies of my credit report highlighting the disputed items for your reference. Please conduct a thorough investigation and provide me with the results in writing. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a valid FTC report to Experian from FTC.gov via certified mail stating that I have a account thats not related to me on my credit profile, and is the result of identity theft. This account is from a company called XXXX XXXX XXXX, and is listed as an auto loan with a balance of {$9200.00}. This account was closed XX/XX/XXXX, I never opened this account. This account has tied two addresses to my credit report, that are not related to me as well. ( Address 1 ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Ga XXXX. ), ( Address 2 ) : XXXX XXXX XXXX XXXX XXXX, XXXX Ga XXXX. 

My FTC report Delivered on XX/XX/XXXX and an agent stated that my FTC report from Ftc.gov was not valid, meaning the disputed information would not be blocked. He stated for me to hang up and call back to speak to speak to another agent, then disconnected the call. I called to speak to another agent who then stated that my FTC report is valid but that it will take another 30 days to finish the investigation, even though I was told by an earlier agent that all I needed to do was submit a VALID FTC report since theyve already received my dispute along with proof of my identity. I was then advised by the agent to submit a CFPB complaint.
Product: Debt collection

My complaint is that I was told that if I settled a debt with them they would not report it on my credit report. I paid the debt in full but they did not follow through with their promise. Additionally, I disputed it recently and they are not taking it off my credit report and its adversely affecting my credit.
Product: Payday loan, title loan, or personal loan

I was approved for a loan and wanted to take the funds but was unable to do so because I refuse to sign their Optional Payment Card Authorization. XXXX XXXX has my account on file and my debit card as well. I told the representative that I did not want them them to debit my card but they can ach the funds out of the account instead. The problem with this is that I didn't sign it before and still received a loan. Also this company has went out their way to give single payday loans to individuals and not receive a debit card on file or a check as collateral, instead they would do a draft by putting the store number as a replace of check. when I ask if they can do the same for me they stated no. 

This is a form of udaap. they treated me unfairly and treated others different. Ive work for this company for tens years now that I'm a customer mi am treated differently.
Product: Credit reporting or other personal consumer reports

We pay bi-monthly to XXXX our new mortgage company and for some reason, our funds did not go through so we had to pay by phone for our monthly payment in XX/XX/year>. 

XXXX reported to the credit bureaus that we missed all of XXXX 's payments even though our bi-monthly payment was paid to them. 

XXXX does not record supervisors ' names and also does not keep accurate records of the conversations you have when you call in. 

The information they sent to the credit bureaus is inaccurate and they are not willing to assist in removing the negative information. I am a XXXX retired veteran who has never missed a mortgage payment in their life and am now faced with negative reporting that has ultimately impacted my credit score that I have kept in the high XXXX. 

Caution - when choosing a mortgage company ensure you use a reputable provider and not newrez who have terrible customer services and outsource telephone calls.
Product: Credit reporting or other personal consumer reports

The account on my credit report from XXXX XXXX XXXX. Is reporting in accurate information on my credit report. 
This vehicle was paid off in XXXX XXXX XXXX 

It does list that the car is paid off as far as the balance. However they are showing that I have late payments on the car as of XXXX XXXX XXXX Which is incorrect as there are no payments owed at all. Its reporting directly on each credit bureau.
Product: Credit reporting or other personal consumer reports

UPON ME APPLYING FOR CREDIT I NOTICED SEVERAL FRADULENT ACCOUNTS OPENED IN MY NAME.
Product: Student loan

I attended XXXX in XXXX, FL from XXXX, I am left behind with a ton of student loans. My degree was in XXXX, I decided to continue my eduction in XXXX and several schools I applied to informed me that my my credits were not transferable basically the school is not accredited. The school has since closed, there are many complaints and class action suits against XXXX. I was never able to find a good paying job in the field therefore always struggling to make payments on my student loans. I recently called Navient to get a breakdown of the money I took out to pay for this non accredited school and they were not able to give me a right number. After giving me the total I confronted them about not adding up to the total from several months ago but they always have an answer for everything. Navient is another who has a suit against them, I believe that they have falsely given my information not informing me in the past of the best programs for me to make payments to them, although I feel as I have been taken advantage of by both XXXX and Navient and my debt should be forgiven. I am now a XXXX and not able to pay my loans. Can you please look into both XXXX and Navient and get this deceitful debt off my shoulders so I can breathe again. Thanks so much!
Product: Debt collection

IQ DATA INTERNATIONAL has a negative collection item on my credit report reporting since XX/XX/2019 ( XXXX and XXXX ) and XX/XX/2019 ( XXXX ). I have disputed this item to have it verified and validated. I received notice that the debt was verified from the credit bureau but did not get anything showing how it was verified/validated from the company or the credit bureau.I requested via certified mail to have debt verified according to Texas law or be removed and the company did not send anything nor remove it.I have requested over 2 times. They sent back my letters and never responded to the letters. I sent each letter via certified mail XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. I want this removed from my credit report immediately. They are not above the Texas Law.
Product: Credit reporting or other personal consumer reports

HI, I checked my credit reports and found unauthorized fraudulent inquires on my Experian, XXXX and XXXX reports. 

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
Product: Credit reporting or other personal consumer reports

Kindly remove this unauthorized account from my credit report, as it does not pertain to me. I request an immediate investigation to correct any other inaccuracies present.
Product: Debt collection

Call made to the company XX/XX/2024 regarding the issue using the case number provided and agent from company refuse to relay any information. There was no paper served to me regarding a case to meet in court or contacted regard is on case, my employee sent me an email and might possible loss my job.
Product: Credit card or prepaid card

I hired a contractor to upgrade my bathroom, a company called XXXX XXXX XXXX XXXX. The company gave me a quote and agreed that the entire job could be paid in two payments. The first one was 50 %, totaling {$2700.00} including the materials needed ( vanity, etc ), and the second 50 % totaling {$2700.00} after the job was completed. The down payment ( first 50 % ) was paid around XX/XX/XXXX with my Citibank credit card, and the job was started on the XXXX of XX/XX/XXXX. The job was completed on the XXXX of XX/XX/XXXX, and that same day the final 50 % was paid with the same credit card. That same day, at night, I saw a leak under the vanity. I called the company and they told me since the XXXX was XXXX that they were coming by on the XXXX. They came on the XXXX and they fixed the pipe, and it was determined, and company acknowledge and apologized for not putting glue on the pipe. On XX/XX/XXXX, the same pipe they fixed just burst and my whole bathroom filed with water. I lost around {$200.00} worth in personal items. I called them that same night around XXXX to report the issue. They came next day on the XXXX they came again, they fix the pipe again, and they said they were going to deduct {$300.00} from the bill for the lost occurred, to a whole total of {$5200.00} instead of the original {$5500.00}. They said they will reverse the second 50 % of {$2700.00}, and instead charge {$2400.00}. After that I realized they never provided me a refund for the second charge of {$2700.00}, and instead charged a third charge of {$2400.00}, everything totaling : {$7900.00}. Not only that, but the pipe burst a third time on XX/XX/XXXX. I tried reaching out to them, this time they never responded the phone, they never answered to my voicemail or text. At this point I understood this was beyond this company capabilities and I could not trust them any further. I reached out to a plumber that re-did the whole pipe and fixed the issue once and for all, that costed me {$1600.00}, on top of the {$7900.00} that the first company charged me. On XX/XX/XXXX I disputed with Citibank the {$2700.00} charge from XX/XX/XXXX, and the one from XX/XX/XXXX for {$2400.00}. I also submitted the required paperwork asked from them on a timely manner. I received a couple of communication from Citibank telling me that they were still working on the dispute but that no resolution was available yet. Then on the statement issued on XX/XX/XXXX, Citibank reversed the temporary credit they have provided for the XXXX disputed transactions claiming I could not support my claims and that it was a valid charge. On XX/XX/XXXX I provided more documentation and Citibank reopened the dispute. After this second time they keep telling me they not resolved nothing, they promise me that they are going to have a resolution in 5 business days but nothing has been done. It has been way over the 90 days dispute legal time that they have to resolve my dispute
Product: Credit card or prepaid card

On XX/XX/XXXX, one of our promotions with Best Buy ( citi bank ) was expired. We call on Sunday, XX/XX/XXXX and the lady we speak to said we were giving until Tuesday XX/XX/XXXX to pay an amount of XXXX, and that they would take away the interest. So thats what we did, we call the XX/XX/XXXX but that day they were not validating there word. And the manager was giving false information saying he had a call on Saturday the XX/XX/XXXX. Also he said that they had giving us that exact day to pay and if they check there call they never said that. They had giving us until the XX/XX/XXXX.
Product: Debt collection

I sent a letter a little over 30 days ago. Never received anything back to validate the debt. I have no idea who this company is. I have no contracts with this company and its a violation. 15 USC 1681 ... governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled. 15 USC 1692g means you do have to validate this debt. I sent a letter and it was never validated. Assignment of all debt obligation to the Office of Secretary of theTreasury 31 USC 3123. 

This is considered cancelled debt and the company filed and did not send me a 1099c but its reporting on my credit. The account ( s ) is inaccurate and a violation of my rights. 

very relatable to case XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES LLC
Product: Credit reporting or other personal consumer reports

First off I just want to say this is THE WORST company I ever dealt with on a credit card! NONE of their representative know what they are talking about. 
My account was placed in deferment due to financial hardship. I was clearly told in writing that in XX/XX/2023 my next payment will be XX/XX/2023. 
I started getting late notice in the beginning of XXXX and I had contacted the bank dozens of times.

E

ach time it would be a totally different answer from the next and NONE of them know what they were talking about. They manage to report my XX/XX/2023 payment as XXXX  day late when I didn't have a payment due till XX/XX/2023. 
I have spent months now asking them to get an executive office to reach out who has knowledge and authority to speak to me with XXXX  success. 
I tried the same route of chatting them and same thing not now person is knowledgeable enough and try to tell me I was late when it was CLEAR AS DAY IN WRITING I didn't have payment due till XX/XX/2023. NO ONE has reached out to me to help and I told them I will not pay until this mistake is resolved.