23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage was sold to United Wholesale Mortgage in XX/XX/XXXX. I enrolled for autopay on XX/XX/XXXX as confirmed in attached email. The first autopay was set to draft on XX/XX/XXXX as confirmed in attached email and we made the XX/XX/XXXX payment manually. On XX/XX/XXXX we received a letter that our account is delinquent and XXXX payment has not been received, late fees were assessed. We checked our account and the mortgage payment was never pulled for XXXX. I tried calling the company and they were closed so I used the chat option on their website to explain the issue. I received a response that my next payment was scheduled to auto draft on XX/XX/XXXX ( see screen shot of chat attached ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I contacted the compay to advise I was impacted by COVID ( owner of business died and my son 's father lost his job as a result. I lost income and was responsible for all bills ). I asked for my options to pause payments and requested a payment pause. In XXXX, I was able to resume payments and found my loan was 120 days past due. When my auto lease was due to be turned in, I was shown my credit score, which was severely impacted by missed payments on my student loans. I contacted the company and made payments. I was told I was only due for XXXX, which is not XXXX due and should not have been marked late prior to XXXX. Additionally, the company sent me text messages saying they are processing a Repayment Discharge. I feel XXXX 's practices are confusing, as when I make payments, I am unable to see how they are being applied since they split the total into 2 loans. Therefore, when they mark a payment late for credit reporting, it's 2 separate tradelines with negative reporting for the same payment, which is more negative to consumers. The confusing and misleading information communicated by XXXX is harmful to consumers and has had a huge, negative impact on my credit and ability to secure affordable borrow terms on future credit transactions.
Product: Credit reporting or other personal consumer reports

I have been fighting XXXX XXXX XXXX for a credit card that does not belong to me I have disputed through the credit bureau many times to no avail it has impacted my credit seriously I want this matter resolved I have never had a credit card with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX aNd Equifax are again reporting that XXXX XXXX XXXX XXXX has listed my closed and paid in full account on a prior lease as .charged off as a bad debt. XXXX XXXX and Equifax are either culpable negligent in carrying this listing or are being intentionally vindictive. As for XXXX XXXX XXXX, XXXX actions, I can only describe it as intentionally deceitful. 

And the timing could not be worse, given that I have applied for amortgage loan to finance my purchase of a condominium unit. 

The companies knew I had earlier filed several complaints with the Ageny regardingthis verymissue. Most recently XXXX recogjnwedsized thaits listing was dead Wrong and its aggredd to correct it then and in the future. XXXX had known that the difference in the lease tit claimed 1 had been, in fact, paid dinnXXXXown by its own policy of gap coveragethat I had purfhaased at the onset of thee Lease. XXXX isudcuts apoloygybto me, corrected its report to show that the account had been always paid on time and that in had fulfilled all my duties to it under the lease. Indeed, XXXX gave me a {$250.00} gift card to show its alleged regret. 

Well this has again reared its ugkyhead, and this time Ill not be mollified by a {$250.00} gift card. I want justice!, Why has this very issu agin been the subject of the craven behavior oof XXXX, with the the virtual assistance of XXXX  and Equifax ''? wrondoers must be subject to a al fine, ... 
We must pursue a full invrsstigstion I tot this matter and these three Wrongdoers must publicly acknowledge their misdeds.
Product: Money transfer, virtual currency, or money service

I am writing in to express my concern as it relates to the handling of Zelle 's disputes. Although I reported these disputes with Zelle as well as my bank both parties failed to do a thorough investigation. Zelle has failed to investigate my claims and has advised that there was no way to recover from my losses due to them not being able to track transactions.
Product: Debt collection

From XXXX to XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for XXXX XXXX  on my hand. I never reciev a bill even though I requested an itemized bill several times. They failed to properly file with my insurance company. XXXX XXXX i recieved a collection ntice for {$2000.00}. I called the hospital and was told it is now too late to file correctly on the insurance. Once again I requested an itemized bill - they emailed me an " itemized bill '' which is incomplete list of all visits I made and payments I have made at time of services. I have been out of work since XX/XX/2023 and currently have no income.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
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. 
XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

I received two notificarions from credit card companies : XXXX XXXX ( XXXX WI XXXX ) Of a credit inquiry in XX/XX/XXXXvia XXXX XXXX And XXXX XXXX XXXX via XXXX on XX/XX/XXXX Needless to say I havent requested any of these credit cards. In fact, I have been in XXXX since XX/XX/XXXX ( until XX/XX/XXXX ), and I am from XXXX XXXX. 
Therefore, it is my understanding that someone is trying to steal my identity. 
Please address this ASAP.. I cant afford getting my credit score damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this complaint to all three Credit Bureaus ( XXXX, Experian, and XXXX  ). In XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) posted a ERRONEOUS Collection Account to my Credit Reports ; this is the ONLY Collection Account on my Credit Reports. I have tried DISPUTING this ERRONEOUS Collection Account with all three Credit Bureaus. Upon reviewing my three Credit Reports today, XX/XX/XXXX, I see this ERRONEOUS Collection Account has been updated on XX/XX/XXXX, apparently as accurate, because it is still being reported. On XX/XX/XXXX, I filed a online complaint against XXXX XXXX XXXX through the XXXX XXXX XXXX ( XXXX  ) ... See PAGE 1 of attachment. On XX/XX/XXXX, XXXX XXXX XXXX sent a final response back to my XXXX   complaint ... See PAGE 2 of attachment. XXXX XXXX XXXX stated in this final response that they were UNABLE TO VALIDATE this Collection Account Debt. Additionally, they stated, as of XX/XX/XXXX, they will be sending a Record of Deletion to all three Credit Bureaus. Based on the ATTACHED EVIDENCE, IMMEDIATELY delete this ERRONEOUS Collection Account from my Credit Reports. I have supporting Evidence/Documentation for Legal Action, if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for about 3 months to solve this problem with the XXXX XXXX that reports this negative, incorrect, inaccurate information in which is the second dispute that I make through you for that same problem, because the company was in charge of saying that they could not continue with the investigation because they could not confirm that I was the person, so I hope that this letter will be taken into consideration. 

In the month of XX/XX/2023 I started a dispute with this company and they only update the information claiming that the information is correct and verified but in the attached documents they could see that the information they share is exactly the same, having multiple errors where they first show a verification of 22 months of the account but they only report 20 months of payment history, they show apart only 7 months as payments and the. 

The account to be disputed is that of XXXX  XXXX # XXXX
Product: Mortgage

Pnc has been nothing but my worst nightmare. This by far is the worst servicer I have had since I took out my mortgage. Inhave been talking to XXXX but she has done nothing to my acct. She confirmed XXXX were never received by pnc however she was able yo confirm cenlar was holding on to the funds. This lady confirmed on XX/XX/XXXX XXXX  has been holding on to the funds for months yet she has the audacity to tell they can not give me credit because payment was short well both pnc and cenlar put me in a situation where neither servicer was professional enough to assist me with missing funds. Pnc decided to do something as soon as I filed a cfpb. Is now XX/XX/XXXX and XXXX XXXX keeps holding on to the funds she has nor record anything to my acct. This could have been avoid if pnc was a good service and cared about the consumer they don't care they are going to mess up my history just because they did not do the work. I have been trying to get this resolved since XXXX yet is now XXXX and still dealing with their incompetence. I wish they would see what they put me through by not taking ownership since XXXX kept refusing to speak with me. They kept sending me back to pnc and pnc sending me back yo cemlat both servicers failed me. 
I hope XXXX XXXX does something and records funds that she already received. She confirmed all 3 payments were received and they were short I have offered to pay difference and she avoids me. I'm starting to believe she is setting me up for failure. 

Fix my account, do the right thing and record what was received. Stop committing fraud on my acct. I have had enough of pnc.
Product: Vehicle loan or lease

I have notice CarMax in several letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Cease and desist all forms of communication via phone, text, mail, email, voicemail, and all consumer reporting agencies.
Product: Mortgage

We are in the process of purchasing a home and using PNC Bank for our mortgage. We are supposed to close on XX/XX/XXXX however, on XX/XX/XXXX, we received an email from the mortgage loan officer stating there is likely going to be a delay in our closing. This delay is the result of PNC requiring a 2nd appraisal because the home is a " flipped '' property. This information was not disclosed when initially applying for the loan, nor was it addressed until the first appraisal came in ( at agreed up sale price ). While FHA loans require this additional step, conventional loans do not have any " anti-flip policy. '' Not only are we finding out 2 weeks before we are supposed to close that we must have this 2nd appraisal, we are also being told we must pay for the appraisal ourselves. For FHA loans, the buyer can not be the one to pay for the 2nd appraisal ; it must either be the lender or the seller. Furthermore, had we utilized a different lender, we would NOT have been required to perform a 2nd appraisal ( this was confirmed through our realtor who discussed it with one of their commonly used lenders ). Given that the rule is " the lender is responsible for ensuring that the subject property provides adequate collateral for the mortgage. XXXX XXXX requires that the lender obtain a signed and complete appraisal report that accurately reflects the market value, condition, and marketability of the property, '' we are requesting that the lender be responsible for the payment of this lender-specific 2nd appraisal. If they would have disclosed this information at the beginning of our process, we would have been able to move on to a different lender. However, now that our credit scores have already been pulled, and we are two weeks out from our closing, we are stuck in this situation. Despite providing information to PNC in regards to the responsibility of this 2nd appraisal cost, our mortgage lender has made it clear they will not cover this expense and we will be required to pay for the subsequent, lender-specific, appraisal.
Product: Debt collection

XXXX XXXX XXXX card is listed on my credit. Debt does not belong to me. Tried fixing with company, company states can not find account even if I send them information on credit bureau. The debt isnt mine Ive had a fraud alert on my credit report since 2007. No credit is supposed to be opened on my credit file unless I am called on number provided on credit report. 

This is fraud please remove. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX  NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$52.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$2200.00}.
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 card or prepaid card

Synchrony Care Credit would not remove a transaction that i did not received. I believe Synchrony Care Credit are only in the best interest of the doctors and not helping me resolve a dispute on a service transaction that i did not received
Product: Credit card or prepaid card

Dear Sir I am writing to you that I just learnt that all my following credit card accounts with Synchrony Bank have been closed. 
XXXX Credit Card # XXXX Score Rewards Card. 
XXXX Credit Card # XXXX XXXX XXXX XXXX XXXX 
XXXX Credit Card # XXXX XXXX XXXX XXXX XXXX 
XXXX Credit Card # XXXX Lowes XXXX XXXX XXXX 
Upon enquiring with the customer service supervisor, I am told that I am a high risk and the bank fears that I wont be able to pay credit cards balances in the future thats why all my credit cards are closed. This is not a correct evaluation and very disturbing to me. 

Please note that I have an excellent credit history for past many years with XXXX  score of XXXX plus. I have paid all my account balances in full and on time. My high income & expenditures justifies my credit card limits. If needed I can provide my income proof to justify the same. There has been a stable increase in my income and in my credit score over the past several years. 
I request you to kindly revisit all my credit card accounts and help me restore my credit card privileges. This is the second time my accounts have been closed. Please note that I have not done anything wrong and I had been a good customer of Synchrony Bank. This immediate closure of my well established credit card accounts due to erroneous reason will hurt my credit score unnecessarily. I feel I am discriminated due to my race or my religion. I have a healthy business and my good credit score is very crucial to me at all times. If there is anything required from my side I am willing to submit the same to you. 
Your cooperation and immediate attention to this matter in requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I opened an account with XXXX XXXX XXXX, The Enrollment Fee was {$75.00} And the Credit Line is {$700.00}. 

In XXXX I experienced financial Hardship due to Covid-19 Pandemic ( No fault of My Own ) I followed the requirements of the Cares act & I sought relief from XXXX XXXX XXXX  Due to the Pandemic. 

I was enrolled into their Covid-19 protection plan to which I would not receive any derogatory marks on my credit, however the account may accrue interest. 

Unfortunately XXXX XXXX XXXX did not follow the Guidelines set fourth by the Cares Act & reported late payments XXXX, XXXX, XXXX, & XXXX of XXXX. 

" The Cares Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. XXXX  XXXX statement informs lenders they must comply with the CARES Act. XXXX  XXXX statement also encourages lenders to continue to voluntarily provide payment relief to consumers and to report accurate information to credit bureaus relating to this relief. '' Because of this I have had inaccurate and misleading information published on my credit report & it has damaged my process to purchase a house and effects my very livelihood. 

I have reached out to XXXX XXXX XXXX  Numerous times to rectify the situation and have been treated with rudeness and unwillingness to come to any resolution. I feel that XXXX  XXXX XXXX  and other Predatory Credit Lenders should be held to the highest of compliance and responsibility when it comes to following the Law.
Product: Mortgage

Doing Covid well Fargo about us to put XXXX payment on the back of my loan. After about a month later Wells Fargo reach out to let me wanted to know how was I going to pay back the XXXX month that was surprised to went on the back of the loan, that did not happen they wanted the month before the year was out if it was not paid it would be a second mortgage on the house. That was not what they said at the beginning of the XXXX months.
Product: Credit reporting or other personal consumer reports

Experian is disregarding my request for a proper investigation which they are supposed to conduct independent of the furnisher. I am very distraught because I am being disregarded as a consumer by them.