23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I filed bankruptcy in XX/XX/XXXX with the offices of XXXX. Greentree at the time was my mortgage company. They were charging me more and more money every month then tried to foreclose on my home that i purchased in XXXX. I was harassed constantly prior to filing bankruptcy. They sent police officers to my house more than once and even called my neighbor across the street to look for me to let them know they were trying to reach me because i was behind a payment. Now they have merged with Ditech who my mortgage has been turned over to and i had damage done to my home in XXXX from a hurricane. XXXX ( my insurance company ) has come out to my home and wrote me a check for {$5500.00} to fix the damages. It was written out to me and Ditech and i sent them the check on XX/XX/XXXX certified with a XXXX form from the man that will be doing some of the work that was needed to be done immediatedly and i still have not received a dime from them. I have just about had it with both of these companies abusing me. Please help me in anyway you can. I have contacted XXXX office and they have stated there is nothing they can do to help. I have contact the FTC and my next step is the XXXX. As of now my home has damaged skirting underneath and over the week my water pipes were frozen for 3 hours. There are 10 other mobile homes on my block that share the same well and if my pipes burst none of them will have water. Again, thank you for your time. 

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

EXPERIAN AND XXXX REPORTS A XXXX XXXX THAT WAS REMOVED 4YRS AGO NOW ITS UNDER XXXX XXXX XXXX. THAT WAS REMOVED FOR ID THEFT PLS REMOVE IT
Product: Credit card or prepaid card

I left the country and moved to XXXX in XXXX. I visited the local Citi branch and changed my address to my XXXX address to receive my monthly bills. I was unaware that my card was being unpaid as I did not receive any of the mail. I have never been late in paying the card or any bills at all in my life until this move, I'm unsure why my mail was still sent to my former address when I went to have it changed and explained my move at the branch. Late reports were listed on XX/XX/XXXX & XX/XX/XXXX
Product: Credit card

Unauthorized charges were made on my AMEX Credit Card ( on XXXX/XXXX/15 ) and several things happened : ( 1 ) In calling AMEX, they could not take the dispute as the charges were " pending '', and I had to wait until it was cleared ( it cleared on XXXX/XXXX/15 ). ( 2 ) The representative accused me of making the purchase as they were made online. ( 3 ) I have disputed the charges - again - online through AMEX 's website, and uploaded documents. I had to upload documents proving that I was not in the same state when the purchases were made " in person ''. 
I have asked AMEX for the name of their attorney or other person who will be investigating the unauthorized charges and investigating me. 
( XXXX ) I believe that AMEX withheld information that there was some issue with the credit card. On XXXX XXXX, 2015, I attempted to purchase a less than {$10.00} product online from XXXX. They refunded the purchase and stated that they believe there was suspicious activity with the card. I reviewed all my purchases from XXXX XXXX, 2015 and earlier and noted no unauthorized transactions. I believe there was information available to XXXX that my credit card information was stolen and was being used to create a new and fake credit card. AMEX should have known this if a small company like XXXX knew it.
Product: Debt collection

This collection company is trying to collect money for an account which is incorrect. My name is spelled XXXX, not XXXX. I was never served any documentation regarding this judgement as the name is incorrect. The date of the debt is 2017, they reported the debt incorrectly well passed the statute thinking they got the right information. It has damaged my fico score, my report and needs to be corrected.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that LVNV FUNDING would verify the debt. So I took it upon myself to ask LVNV FUNDING for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally dispute inaccurate personal information listed on my credit reports. Despite numerous attempts over the years to have this incorrect data removed, all three credit bureaus continue to report wrong names, incorrect addresses, and inaccurate employment information on my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( 15 U.S.C. 1681g ), I have the right to receive complete and accurate information on my credit report. Additionally, FCRA Section 611 ( 15 U.S.C. 1681i ) mandates that credit reporting agencies investigate disputes thoroughly and correct or delete any information found to be inaccurate or unverifiable. The persistence of this erroneous data, despite my previous disputes, demonstrates a failure to meet these obligations. 
The reporting of inaccurate personal identifiers increases my risk of identity theft and fraud, especially in a world where millions of people have similar names. The FCRA requires that credit reporting agencies ensure the maximum possible accuracy of the information they report under Section 607 ( 15 U.S.C. 1681e ( b ) ). Your failure to maintain accurate records has caused unnecessary harm and confusion.

I am requesting the immediate removal of all incorrect names, addresses, and employment information from my credit reports. Additionally, I am requesting written confirmation once these corrections have been made. Failure to address these inaccuracies properly may result in legal action under Section 616 ( 15 U.S.C. 1681n ) and Section 617 ( 15 U.S.C. 1681o ) for willful and negligent noncompliance, respectively. 
Please consider this letter my formal dispute and act promptly to correct my personal information.
Product: Checking or savings account

I have a checking account with Chase bank in the XXXX branch. I had recently filed a fraud claim for {$730.00} and was surprised to find that the bank had rejected my claim. On XX/XX/XXXX, while I was on vacation with my family, the money had been transferred to a XXXX  XXXX bank account, a company that neither me nor anyone close to me banks with. While on vacation, I had to spend a day closing my old account and opening a new one, as well as taking steps to ensure my account was more secure from outside interference. I was really shocked when the bank rejected my claim, because there was absolutely no way for that transaction to take place. The banker that we talked to while on vacation assured me that there was almost no scenario in which I didnt get my money back, so imagine my surprise when, about two weeks after the original incident, I saw that the funds that had been added to my account had been removed once again. That was money that I had planned on using for XXXX XXXX and I would really appreciate some help with this situation.
Product: Mortgage

Hello, On XX/XX/XXXX I opened a fixed rate home equity loan with PNC Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Each and every month since inception I had the minimum monthly payment automatically deducted from my PNC checking account. No months missed or late. In addition to the minimum payment I have made additional principal payments using PNC online services. 
It has recently come to my attention PNC has been deducting interest from my additional principal payments. I called them and they exactly told me, " the computer does not understand additional principal payments and therefore interest was taken from the extra payment even though the minimum monthly payment had already been satisfied. '' I have been making extra payments for 4 years but PNC will only provide me with 2 years worth of history and refused to fix the problem in full and offered to fix only the past 3 months. 

My loan has no pre-payment penalties, I am allowed to make extra payments and expect if i make an extra payment that 100 % of that goes directly to the loan principal. I am attaching a XXXX document downloaded from PNC which details the payments sent. Unfortunately PNC will not provide history older than XX/XX/XXXX while the loan has been in place since XXXX. 

PNC can not demonstrate any additional service or goods provided in order to be able to charge interest twice in the same month. The process they have in place is grossly a consumer ripoff and I also put forth the executives of PNC are aware of this process of double charging interest and knowingly allow it to happen. I have been a XXXX XXXX for XXXX years and know PNC can very easily program their mainframes to understand additional principal payments they choose not to correct this issue because while broken increases profit. Furthermore to have procedures in place to refuse to fix the problem at the customers request and only offer to fix 3 months of payments is an additional tactic to ripoff borrowers and increase profit. 

No legitimate reason has been provided why PNC is allowed to charge interest twice in the same month for the same loan even after the minimum monthly payment has been satisfied.
Product: Checking or savings account

I submitted requested documents of my dispute for funds that I spent and did not receive my service. I disputed XXXX times and each time they denied and stated they investigated within XXXX days
Product: Credit reporting or other personal consumer reports

Heres the draft of your new dispute letter to TransUnion regarding the unauth **TransUnion Consumer Solutions** XXXX XXXX XXXX  XXXX **Subject : Dispute of Unauthorized Hard Inquiry by XXXX XXXX** To Whom It May Concern, I am writing to dispute an unauthorized hard inquiry that was placed on my credit report by XXXX XXXX  in XXXX XXXX This inquiry was done without my permission, and it is a violation of my rights under federal law. I have previously disputed this matter, but it was incorrectly verified by TransUnion. Despite my request, XXXX XXXX  has not provided any documentation or details on the steps taken to verify this inquiry. 

**Violation Details : ** 1. **Unauthorized Hard Inquiry : ** XXXX XXXX  performed a hard inquiry on my credit file without my explicit authorization. This is a violation of my consumer rights under 15 USC 1681c-2 and Section 1643. 

XXXX. **Failure to Properly Verify : ** Although I disputed this inquiry, the response I received was merely a verification without any explanation or documentation of the steps taken to verify the accuracy of the inquiry. This lack of transparency is unacceptable. 

**Legal Obligations Under FCRA Section 605B : ** FCRA Section 605B requires credit reporting agencies to block the reporting of any information resulting from identity theft or unauthorized actions within XXXX business days of receiving notice. This mandate is clear and leaves no room for discretion. Given the circumstances surrounding this inquiry, I expect TransUnion to adhere to this legal requirement and promptly block and remove the unauthorized hard inquiry from my credit report. 

FCRA Section 605B states : > " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. '' **Requested Remedy : ** I request that TransUnion immediately block and remove the unauthorized hard inquiry by XXXX XXXX  from my credit report, as required by FCRA Section 605B. This action must be completed within the mandated four-day period. 

Additionally, I ask that TransUnion restore my credit to its original state before this unauthorized inquiry was made and provide documentation detailing the steps that were taken during the initial investigation. 

Please confirm in writing that the hard inquiry has been removed and that my credit report has been updated accordingly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

We pay our mortgage every single month and the mortgage company let our home insurance lapse. Multiple attempts from my husband, myself, and our home insurance company and they still let it lapse. Several times the invoice was sent and they ignored it completely. We have construction going on in our home for over 6 months now due to the previous owners not fixing things properly & all this with XXXX children. The mortgage company not paying the insurance invoices completely screwed us over. We have one less bathroom ( the main one with shower as well ) along with extensive mold that needs to be removed ASAP. The mortgage company not paying this invoice has delayed everything being fixed even longer because now we need an entire new policy before we can finish filing another claim for the mold. We have XXXX children. Our home isnt safe ( theres concrete instead of flooring on top, mold, a gutted bathroom, etc. ) because of the delayed process from a home insurance lapse. This is completely unacceptable and has caused so much stress for our family. We do our part every month by paying our mortgage we expect them to do their part as well and they have failed us.
Product: Student loan

On XX/XX/XXXX I lodged a complaint with cfpb about my forced XXXX XXXX loans through navient. In response navient sent me the misconduct application form as I qualified for it. I submitted it with evidence including my letter as a class member of the XXXX XXXX  XXXX lawsuit, lawsuits against the schools both federal and state as well as proof of false graduation rates and employment snd salaries. On the evening of XX/XX/XXXX I recieved emails from navient confirming my application was approve for private loan dismissal. Since I graduated in 2007 I had been forced to make payments on these loans. Even though my evidence proved I was forced to take these loans out and they were forgiven I was denied restitution. This is unacceptable. Navient has put aside millions of dollars to settle private loan forgiveness. There is zero reason for them to deny restitution on school misconduct findings that they themselves approved. I am attaching my misconduct decision on the loans and payment history on the forgiven loans showing all the payments I have made since graduating in 2007. 

Again I was forced to make payments on these loans for years. These loans were proven to be unethical and fraudulent. My payments should be returned in full.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on my 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  and Account numbers- XXXX Please investigate and provide proof with statements showing that these payments were late, if proof cant be provided I demand these payments be updated to on time as they should be as I was never late. Thanks
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2019 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then 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, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian are showing incorrect and inconsistent information. The false and inconsistency is in regards to the reporting of late payments. 

One agency will say it was late on XX/XX/XXXX but say it was paid on time on another agency. Vise versa with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with o {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I've contacted the police locally and FTC. These items need to be deleted from my credit report : Ch XXXX Bankruptcy, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX account XXXX, XXXX acct XXXX equifax and XXXX  acct XXXX on XXXX, XXXX, and XXXX XXXX XXXX.
Product: Student loan

My Loans are with Nelnet-I believe they picked up loan in XXXX. 
1-My Federal Student Aid acct mistakenly lists me as having borrowed {$620000.00}. Fed Student Loan people said that is due to the people who service the loan. 
2-Nelnet told me my loans were covered under the Cares Act waiver of interest from XXXX to XXXX. I had called to see if I had to fill anything out. They said nope we do it all for you ... They tacked on XXXX of interest on XX/XX/XXXX. When I called Nelnet a different rep said no you aren't covered because you are in bankruptcy. 
3-Nelnet is not able to send me documentation of my loans or amount borrowed ... they said they would send me a promisary note they had for XXXX. I didn't borrow XXXX. 
4-Federal student aid Omnibudsman said my loans were consolidated in XXXX which is incorrect. My loans were switched to 6 different servicers over the years-not because I requested but because they took them ... a lot of errors and misinformation appears to have occurred due to the various servicers errors. 
5-One man at Nelnet will not allow me to pay on my loans but is continuing to post interest to the loan. My student loans were not part of the bankruptcy and were listed as " outside of bankruptcy. '' Nelnet said I have to go to my judge and get him to allow me to pay.
Product: Vehicle loan or lease

XXXX Please review my auto loan the dealer send the company aca American Credit Acceptance a fraudelent drivers license did not give consent or did i have any knowledge that. The dealership had done that my loan shouldbe review again and the complaint please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the company below : GM FINANCIAL XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the failure of the credit reporting agencies XXXX, XXXX and XXXX to properly investigate and remove an account from my credit report that does not belong to me. Despite multiple dispute attempts and my clear assertions that the account is fraudulent, the credit bureaus have failed to take appropriate action and have failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). 

Background Information : Account in question : LVNV FUNDING LLC CARE OF RESURGENT CAPITAL SERVICES Current status of dispute : unresolved remains on my credit report FCRA Violations by Credit Bureaus : Under the FCRA, credit bureaus are legally required to conduct a thorough investigation within 30 days of receiving a consumers dispute. However, despite my clear and documented dispute efforts, the credit bureaus have repeatedly failed to : Conduct a proper investigation of the account, as required by Section 611 of the FCRA.

Remove the account from my credit report, despite the fact that I have provided sufficient evidence that the account does not belong to me. 
Provide a written explanation or proper documentation regarding their findings or any evidence they used to substantiate their conclusions. 
Additionally, I have received either incomplete responses or no responses at all from the credit bureaus, which is a clear violation of my rights under Section 609 of the FCRA to receive an accurate investigation and the results thereof.

My Rights Under the FCRA : Section 607 ( a ) of the FCRA mandates that the credit bureaus ensure the accuracy and completeness of the information reported. The presence of an account that does not belong to me is a clear violation of this requirement.

Section 611 ( a ) requires credit bureaus to investigate disputes thoroughly and within 30 days. Their failure to act properly within this timeframe is unlawful.

Section 609 ( a ) guarantees my right to receive the results of any investigation, including documentation of evidence used in their determination.