23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or around XXXX I started paying additional on my mortgage each month this continued into XXXX. Although it was written as one check ; I fully expected that the additional would appropriated accordingly. Instead it was placed and held in a " suspense account '' to the tune of almost {$10000.00} over the years, of which I knew nothing about. Some was credited to my escrow account ; Which created large surpluses that WERE NOT REFUNDED back to me, but again placed into a suspense account. examples below : XXXX XXXX - {$1200.00} Surplus Placed into a suspense account XXXX XXXX - {$1700.00} Surplus Placed into a suspense account XXXX XXXX - {$960.00} Surplus Placed into a suspense account XXXX XXXX - {$900.00} Surplus Placed into a suspense account In addition to the above I paid roughly {$5000.00} more that was credited to the suspense account. The statements that I was given by PNC Mortgage after demanding an audit of my account show no disbursements from this mysterious " suspense account '' that I knew nothing about, and never received so much as a statement for. I have in-fact contacted PNC on numerous occasions. Most recently I was referred to their executive client relations team. In the 18 months since I was put into contact with t Executive Client Relations they have offered nothing but excuses, and outright misinformation at all levels of their firm as to a solution to the problem. This issue is stll yet to be resolved. It is my hope that working together we can reach a solution, and prevent this from happening to consumers in the future, and help those that may have similar experiences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX FO XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and delete it from my personal credit file. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 i sent a letter regarding inaccurate unknown things on my report its been more than 30 Days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. i want these accounts to be removed from my report as per FCRA section 611A. 
I surely was a victim of the equifax date breach.
Product: Credit reporting or other personal consumer reports

TransUnion They keep changing my credit score messing it up acting as if I owe a balance to my current card which is incorrect I have not ever been late in the five or six months that I've had that card not one payment has ever been late therefore I've never had a balance they just had cleared it up my credit went back to XXXX and I went and applied for something for the first time in about a year and I got rejected and all of a sudden my credit score was back down to like XXXX that is nuts and now they put the same XXXX balance thing that I have that from my current card which is untrue and incorrect and I do not know somebody's doing this on purpose messing with my credit I haven't done anything with my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and a XXXX XXXX  XXXX  was opened with my identification. I have made a report to FTC and will attach it with my documents of proof of identification because Experian is in violation of the law. They said that it wasn't me who sent the information when I gave proof of my identification.
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 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/block any items 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, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$90.00} XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now my second complaint against Experian. In their response they claim they verified a bankruptcy with the " furnisher '' when I spoke with the " furnisher '' and XXXX XXXX confirmed they haven't and DO NOT give information to credit reporting agencies so who is this " furnisher '' they are referring too. I demand to know in detail HOW they verified this, who they spoke with, when, names and titles of their individuals and of the Experian representatives. please know that included in my suit will be all of the violations of the FCRA, defamation of character, and I will be looking for no less than {$30000.00} in compensation. Experian has violated 15 USC 1681b by furnishing these things WITHOUT my written consent I don't care who they claim the furnisher is. They have violated 15 USC 1681s-2, 15 USC 1681e ( b ) by not making sure this information was accurate before putting it on my report. And if it was verified then Experian please explain 15 USC 1681a ( 3 ) e which explicitly says the consumer report can NOT contain factual information from the creditor or a credit reporting agency. Information can only be verified through neighbors, friends, or others who may have knowledge concerning the items of information? Clearly Experian believes that the average XXXX will back down from their bullying tactics but not this guy. I am a well educated professional willing to do whatever to protect my name against Experian 's fraudulent practices not to mention a data breach they experienced where the thieves were able to get into anyone 's FULL credit report for 47 DAYS! Your practices are not secure or ethical. Experian did not even speak on it for over a month and there is still no resolution. So who is to say that my information was not included in that breach and Experian 's negligence is still causing me damage. The company is a complete joke they obviously paid for their XXXX  XXXX because they have XXXX out of XXXX stars.
Product: Debt collection

XXXX and XXXX XXXX. attempted to serve me. I requested the debt be validated. Never got any response from this group. My request was sent XXXX times with no response.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has been allowing XXXX to report false information to my credit report i have requested verification from TransUnion regarding these accounts and they have fail to send me my request the accounts are not mine i have no knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I did not apply for a loan. This loan was done as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for and one account with one-hundred and eighty, on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) ( XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
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 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX US DEPT ED XXXX Balance : XXXX US DEPT ED XXXX Balance : XXXX XXXX XXXXXX/XX/XXXX.
Product: Mortgage

My mortgage was sold from  XXXX  to Carrington, they are adding a fee of {$560.00} to my payment, I contacted  Carrington  who said this fee was moved over from  XXXX , I contacted  XXXX  who said this was a mistake and they removed it which I have communicated with Carrington. Carrington is still asking me to pay this fee and would not contact  XXXX  to confirm that this was a mistake from their said and that it has been corrected.  XXXX  will not give me a letter verifying this mistake correction. Now I am stuck between these 2 companies to pay {$560.00} that I do not owe. My mortgage has always been on automatic payment since day 1. Thank you
Product: Student loan

MyFedLoan student loan servicer failed to properly recertify my income based repayment plan on an annual basis. I submitted all materials requested prior to the deadline in XXXX 2017, however this incompetent servicer not only removed me from the income driven repayment plan, but capitalized about {$10000.00} in interest because of this. This is the second year they did this. That is unacceptable. I contacted the company who told me to put a stop on the payment at the bank, while they have me yet again resubmit certification, stating I did not submit on time, despite the fact I uploaded all their documents requested on their own website well within time, yet they send me a letter it was not completed which I am attaching. They continue to not take responsibility and make excuses for their utter failure to do a simple job. They have refused to correct the capitalization problem, which is criminal given the error is on their part and they are breaking a contract and federal laws, and highly unethical.
Product: Credit reporting or other personal consumer reports

Please use this additional letter as confirmation that I hereby am now opting out of any and all authorizations, I the Consumer may have given you written unwritten verbal and nonverbal as per 15 USC 6802. ( XXXX, XXXX, or XXXX ) ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, or XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, or XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' For the record on a fourth attempt I am opting out of your reporting services. ( XXXX, XXXX, or XXXX ) interactive service agreement. Thank you for updating my account.
Product: Debt collection

In XXXX, someone stole my identity and opened an XXXX XXXX account in my name, at my old address, after I moved in XXXX. I contacted XXXX XXXX and they couldn't even find an order, so I don't think an order was ever placed. All the correspondence looked fake. Comenity Bank was the bank listed, and I contacted them. They sent a letter saying they were investigating my claim, back in XXXX. I continued to receive bills from Comenity for a while, then it finally stopped. I never opened this account and never purchased anything from XXXX XXXX. Comenity wanted my social security number and I refused to give it to them. I don't even know if this is Comenity or an impersonator. At XXXX point, they even called my nephew. I consider that a breach of privacy and an harassment call. I reported all this to the FTC ( which later closed my account ), to the 3 credit bureaus ( XXXX, etc. ), to the XXXX XXXX, and to the FBI. No one has done anything, so I thought the matter was closed. Yesterday XXXX, I received a letter from Comenity saying they had turned my case over to a collection agency, XXXX XXXX XXXX in XXXX, GA. I never opened this account and don't owe anyone any money. I never lived in XXXX but found this address on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and told them it wasn't me.
Product: Debt collection

Geniuses card service they won't work with you Geniuses card service have called close to 400 times in the past week all day all night they even went has far they disquie there number it come up has XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Title Max loan told me that I could get a loan and pay it back over time. Well, they didn't tell me that if I made a payment of what the amount they have me make. It would only be an interest payment ( XXXX XXXX ). Nothing goes toward the principal!!! So I said this loan would never get paid off under those terms. And with a loan amount of {$6200.00}, I pay {$760.00} every 30 days. If I'm late by 1 day, the amount goes up until payment is received. I've been paying on this loan since XXXXXXXX XXXX XXXX, and my loan amount has gone down by {$34.00}. If you renew the loan, I will have to make a payment of interest only which is very high ( 300 % ). But does not go toward the principal amount of the loan. So, all of the payments so far have reduced the amount of the loan by {$34.00}. I applied for a loan in XXXXXXXX XXXX XXXX, and still paying on the interest only to date. No action has been taken so far. I have a file with CFPB already about Titlemax.
Product: Mortgage

I have been requesting for my PMI insurance to be removed since XX/XX/XXXX. Followed all the written requests and have tried on a monthly basis to get my request approved with no action from the mortgage company. 

I was told that in order to pursue my PMI removal request, that I would have to pay for the appraisal fee which I did pay for. This request was completed on XX/XX/XXXX and I was told by the underwriting department that a refund would be returned due to insignificant home improvements did not meet the guidelines of my appraisal request. 

I attempted to work directly with the loan company which continues to give me the run around and I am know filing this formal complaint. Copy of the last correspondence is attached below : XXXX XXXX. 

After review : your upgrades do not meet investor requirements as Significant enough to increase the market value of the home. 
After XX/XX/XXXX your loan will be over 2 years old and significant upgrades will not be required. 

Your appraisal fee of {$420.00} will be refunded. 

Thank you XXXX XXXX Escrow Tax Specialist Escrow Department XXXX , XXXX XXXX That Exceeds Expectations O : XXXX XXXX : XXXX | XXXX : XXXX A : | XXXX, FL XXXX | NMLS # XXXX
Product: Debt collection

I RECENTLY REVIEWED MY CREDIT AND NOTICE A COLLECTION FROM DIRECT MANAGEMENT STATING THAT I OWE A ALLEGED DEBT OF XXXX $ FROM XXXX XXXX, WHICH IS INACCURATE AND I DO NOT OWE.I SENT A LETTER ON XXXX XXXX US CERTIFIED ASKING FOR THE INFORMATION DEALING WITH THIS ACCOUNT AND HAS ATTACHED A COPY BELOW FOR YOUR VIEWING AND ASSISTANCE.
Product: Credit reporting or other personal consumer reports

I believe XXXX and trans union have not been filing my disputes correctly
Product: Mortgage

CFPB Wells Fargo called me again. I fully understand how everything keeps being sent in circles with all five banks. 

The moment a case worker finds out the truth, they are replaced. The casework disappears. 
The person I talked to was surprised to know all of this has been going on since XXXX. 

The source of the dishonesty is the Bank 's Executive Boards. 

XXXX XXXX, Wells Fargo, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Executive Boards signed off on their banks dishonesty. 

They all decided to go the dishonest route even after they were informed, if things go the dishonest route the world would know. 

They all decided to use the Courts against me after my warning. 

In XXXX the consequences of their dishonesty & trying to attack me are showing up. 

I warned them I was a nightmare. Not my fault they didn't believe me. 

The XXXX IRS found my ways both brilliant and hilarious. That's why they helped me with my First Amendment expression to the United States itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc violation taking more than 30days
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian are reporting incorrect information on the account listed as XXXX XXXX XXXX Account # XXXX there is so much information that is inconsistent. The account can not have been verified as accurate because Experian is the only agency reporting a pay history while XXXX isnt reporting g the account and XXXX has no history but yet marked the account charge off. Experian is reporting several late payments that is not correct and goes against federal laws. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.