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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX
Product: Bank account or service

I have attached a complete description of my problem with BB & T. Although this issue has finally been resolved ( after 3 months ), I am sending this to point out that we should not have been put through this strictly because of incompetence and lack of interest on the part of BB & T personnel. Why did I have to deal with the XXXX department and XXXX separate bank branches in order to finally find XXXX person who cared and was willing to help? It was a very poor customer experience. I wonder how many other fraud victims at BB & T go through similar experiences? Was our experience the norm, where the bank is trying to avoid fraud costs or was this situation an anomaly? I doubt that.
Product: Credit reporting or other personal consumer reports

I am writing to make a final demand for the immediate resolution of my previous disputes regarding the removal of inaccurate and invalid negative accounts from my credit report. Despite XXXX swiftly addressing these inaccuracies, both XXXX and Experian have failed to take the necessary actions, violating my rights under the Fair Credit Reporting Act ( FCRA ).
Product: Mortgage

I bought my home on XX/XX/XXXX. NewRez/Shellpoint started the mortgage after re-finance on XX/XX/XXXX. I have been paying mortgage insurance ( PMI ) of {$140.00} per month. I requested the bank for PMI removal and the bank asked me to sign a letter authorizing an appraisal, which we sent them on XX/XX/XXXX. The appraisal amount came out to be {$860000.00} on XX/XX/XXXX. Since the loan balance was XXXX, the LTV is <75 %. But the bank denied our PMI request stating a set of generic reasons. We have been following up with the bank for 1.5 months to find out the reason for denial and remove the PMI. After 10 follow-up phone calls and 2 dispute requests, I got the reason from the bank that the PMI removal request was denied because " no substantial improvements were made to the home ''. They also state that the PMI would not be removed until XX/XX/XXXX unless substantial improvements are made to the home. I don't find this clause anywhere in any agreement documents, nor did I find anything from online resources. Also, substantial improvements sound very subjective and not well-defined. Also, I found from the documents that the bank should automatically remove the PMI when the LTV reaches below 78 %. Attaching " denial letter '' and " dispute response letter '' as provided by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT TRADELINES WERE ATTRIBUTED TO MY CREDIT PROFILE THAT ARE NOT MINE AND I HAVE NO KNOWLEDGE OF
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a car loan that I made, however, when I was unable to pay for the car loan they reposes the car. the total amount for the original loan was {$17000.00} upon selling the car for {$8000.00} I should have a less amount reported on my credit report which it should be {$9100.00}. But Exeter Finance XXXX continues to report {$17000.00} instead of the {$9100.00} I have made several attempts to get this fix but so far they have not done so.
Product: Debt collection

Midland Credit Management continues to try and collect a debt that the original creditor is also trying to collect. On or about XX/XX/2024 they continue to change the balance due on the collection account by {$1.00}. I have disputed these accounts for inaccuracy, and they continue to report negative information to my credit report that is inaccurate. They can not validate or verify the debt that they say that I owe to them. I do not owe Midland Credit Management anything. There is NO contract or agreement bearing my signature with their company. They are reporting 3 separate collection accounts on my credit reports, and refuse to remove them or show proof of my signature. They are reporting the accounts as OPEN, and per FCRA a collection account is not considered open, and the balance should not continue to change. I have proof where they have also done soft inquiry pulls on my credit report dozens of times that are not authorized by me. I am seeking legal action against them for these violations if they do not remove the accounts they have listed on my credit report. ALL of them.
Product: Checking or savings account

NEW CASE, NEW TRANSACTION Missing refund on  X/XX/2017    from  XXXX  for  XXXX  Fraud department now lying and saying I can not submit a claim/dispute. All I want to do is close my account.     They took literally over a month to credit my last missing refunds. Now we are starting again.     The contact from  SunTrust  assigned to me for my last cfpb complaint refused to speak to me and told me she would call me when she would call me and had n't even looked at my case. Essentially, do not call again.
Product: Debt collection

I have been making monthly payments on medical bill then received additional collection bill for same company even tho I disputed the additional amounts as being incorrect. Now collection agency is filing a judgement.
Product: Credit card

I cancelled my credit card with Bank of America approximately six months ago. At the time my online account was unlinked from my card account. My credit report from transUnion is now showing that the account is 120+ days past due. I am unable to log on to my account online to check the account status. My account should have been cancelled before any late fees or interest accrued to make it past due.
Product: Debt collection

I moved into this house renting it, was there for 3yrs. never missed or been late for my rent.Getting repairs done was a big issue thru the way you had to email a request and wait to be contacted.on one time I called daily trying to conferm the work order. the company recognize my phone number.they would not answer my call. so I used my daughter phone the call was answered the second ring. I had to clean the house to move in or pay rent at the apartment I was moving from. this place already had my money.first week refrigerator broke, lost all my food.they would not replace.door knob broke, took about 2weeks to fix, toilet broke took almost 6days, air condition broke took 3days to fix, I didn't have a rep for 2years I know of. Finally a rep contacted me during the time the door knob was repaired. I never met him face to face, eventhough I asked to meet with him to discuss somethings that I was facing he told me he lived 1 1/2 hours away.my health started to flair, XXXX, and other symptoms started to surface. well the air condition went out again, this time it was a major fix. this is during summer time very high temps.3rd day a handyman showed up with a very small air condt. from XXXX XXXX or XXXX XXXX iam guessing. it did not cool the house only the living room with 4celing fans and 3 floor fans.without the air Black Mole started to surface by this time XXXX XXXX XXXX  and all kinds of med.i was not on XXXX until I moved here.my renew contract was for XX/XX/2019 XXXX XXXX contacted me to try and get me to renew, he told me please don't turn in my notice he was going to do what ever it took to keep me. I told him it was to late I had been thru too much.he said to me, I understand I'll start to show the house the end of XXXX. I told him that was fine air broke XXXX XXXX and was still not repaired when I moved XXXX
Product: Credit card

Subject : Urgent Request to Remove Fraudulent Account from My Credit Report Dear CFPB Representative, I am a victim of identity theft, and my personal information has been stolen, misused, or compromised by an unknown third party. As a result, a fraudulent account has appeared on my credit report. I have never authorized, accessed, paid for, or signed any documents related to this account. 

Details of the fraudulent account : Creditor : CBNA  ( XXXX XXXX, XXXX. ) Account Number : XXXX Account Type : Revolving ( Credit Card ) XXXX Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/year> Balance : {$0.00} I have disputed this fraudulent account multiple times with the credit bureaus. Each time, it was removed, but it has repeatedly reappeared on my credit report. I have also filed multiple FTC reports and prepared an Affidavit to substantiate my claim, yet this account remains. As of now, it is still showing on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was getting ready to apply for a car loan, I realized they weren't anywhere near me. They called and I explained this to them. I asked them not to pull my credit report, they did anyways without my approval. Then they did it again and I called them a second time. I'm trying to repair my credit and I don't want anyone pulling my credit report without my approval. Many companies does this even after you call them and keep pulling it after you tell them to stop. PLEASE help me.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I 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 and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then 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 damaging my creditworthiness.

Under the FCRA are 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 these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported as a charged off account with balance {$4000.00}. account opened XX/XX/XXXX, XXXX this account was paid in full and is being reported incorrectly. This account was reported twice the second time correctly, when disputing through equifax, they removed the correctly reported account. I have contacted Equifax and XXXX XXXX to correct this error to no resolve! This is a severe error and now is showing 28 months worth of charge offs!?
Product: Debt collection

I have repeatedly asked Portfolio Recovery to validate the debt that they say I owe them. They have advised that the debt meets FCRA requirements but still have not provided me a validation of the debt or a contract with my wet signature. I have been a victim of XXXX XXXX and have also had my personal information exposed in at least XXXX XXXX XXXX in the last XXXX  years.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and recently discovered that fraudulent accounts were opened in my name without my authorization. I have already reported this issue and need immediate assistance in ensuring these accounts are removed from my credit report. 

Details of the Fraudulent Accounts : New City Funding Corp Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$4800.00} XXXX XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Fraudulent Amount : {$1500.00} Requested Actions : XXXX. Investigate and facilitate the immediate removal of these fraudulent accounts from my credit report. 
2. Ensure the creditors comply with the Fair Credit Reporting Act ( FCRA ) by blocking and deleting these accounts as they were unauthorized.

3. Confirm that I have no financial liability for these fraudulent accounts.
Product: Debt collection

The company refused to provide verification of debt nor any details about the debt. We made a good faith effort to find out what this debt even was. " XXXX, '' the first agent was given the account number and was able to pull up my name. We asked several times to disclose to us what this debt was for. She insisted on acquiring personal information which we stated from the start - we would not disclose ANY personal information until we were able to verify the validity of the debt and the authenticity of the " collection agency. '' She already had an account number and my name. 

My advocate asked to speak with her supervisor, we were on hold for some time ; when " XXXX '' did finally come to the phone, we explained in detail what happened with XXXX. XXXX argued with us that we were required to provide personal information to her. Under the Fair Consumer Protection Act I know this is indeed not true. It is my right to protect myself and request validity of their identity and supporting documentation proving their claims. XXXX refused and argued, she would not provide verification of the debt, she became aggressive, she threatened me with a judgement ... again without any verification of the debt and the call was abruptly ended.
Product: Mortgage

On XX/XX/year> I spoke with an agent at Mr. Cooper. She told me the loan modification was ready. She told me all the information about the modification. She said we would be transferred to a new servicer, the loan would be 2.5 % interest. 360 months. The monthly payment would now be XXXX. She said the terms would not change. She said congratulations and that the paperwork would be here soon from XXXX to sign and return. 
We received the packet on XXXX XXXX. What we got was completely different. This packet says the interest rate will be 7.5 % interest rate. The loan will also increase to 40 years. The mortgage payment will also increase to XXXX. This is not anywhere close to what I was told on the phone. I called to figure out out what was going on on XXXX XXXX after receiving the packet. I recorded the conversation. I was told that basically that was rejected and they sent something else. Even though I had agreed to it and was told it wouldnt change. She basically said I can either agree or they will start foreclosure. I made a verbal agreement on XX/XX/XXXX, and what they are telling me now is completely different and everything is increasing significantly. I have the phone call where she stated that is what I was told.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX Account Number : 1934 Balance : {$240.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$380.00} Account Name : XXXX Account Number : XXXX Balance : {$2000.00} This is a formal complaint against Equifax, XXXX, and XXXX. I have disputed this with the credit bureaus and I am still not seeing any corrections or changes in the way the information on each account is being reported. The items are questionable and I've been asking the credit bureaus and collectors as well to validate the reporting of the accounts because if not, they should delete them as per the FCRA. The credit bureaus are not budging and I don't know what else to do to get these companies to properly investigate the account.
Product: Mortgage

I mailed a check to PHH mortgage XXXX XXXX XXXX XXXX, IL XXXX on XX/XX/19 for {$4600.00} to pay off my loan # XXXX. They posted a payment on XX/XX/19 to a suspense account. I have no idea why. They sent me a letter on XXXX saying my money was put in suspense account because it wasn't enough to cover my monthy payment of {$730.00}. Today I received a letter saying my balance was {$4300.00} and I am 2 months behind on my payment. Not sure what kind of a scam they are pulling. I have tried to call them several times - never got through to speak to anyone - gave up after an hour on hold several times. I have faxed them I have sent them a letter to two different address '. Can not get any kind of a response other than a letter saying I am past due HELP PLEASE!!
Product: Checking or savings account

Since XX/XX/year> Capital One has been unable to provide direct deposit for thousands of customers and has not been fully transparent with the issue from the beginning. They seem to have been intentionally vague on the seriousness and extent of the issue and are not providing any working solutions for many people who need immediate access to their direct deposits to cover their basic needs. Temporary credits equivalent to direct deposits, or any other viable solutions, are not on the table ; and the only solutions they are offering are going to have to wait until next week to resolve, after XXXX day. 

While they say the XXXX system has been restored, as of noon today, XX/XX/year>, I have not received my direct deposit yet. I have not even received a pending transaction to let me know it is on its way. 

I contacted my firm 's XXXX department and learned that, unfortunately, my firm already sent my payroll funds to Capital One, so I can not redirect it to another bank for the time being.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/2023
Product: Credit card

RE : Citibank Credit Availability Issue Citi AAdvantage XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$14000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Last payment made on XX/XX/XXXX and was withdrawn on XX/XX/XXXX {$12000.00} Timeline : XX/XX/XXXX : Discussion with Supervisor XXXX XX/XX/XXXX : Discussion with Representative XXXX Current Status : Citibank is withholding access to {$13000.00} in available credit despite payments being cleared by the originating bank. 

Impact : Card transactions are being declined Pre-authorized purchases can not be processed Unable to earn XXXX XXXX XXXX  miles and status benefits Annual fee of {$590.00} being charged while card benefits are inaccessible The credit restriction has been implemented without provided justification and persists after payment clearance. 

For excellent payment history with XXXX have another credit card to reference payment history with them.
Product: Credit reporting or other personal consumer reports

I have been fighting the validity of said late payments on an account from XXXX One- XXXX. # XXXX As well as a late payment that XXXX XXXX reporting XXXX # XXXX I have been going back and forth without any proof coming from furnishers of this inaccurate information nor any credit reporting agency listed below ; Experian, XXXX, XXXX. I also have an XXXX XXXX XXXX XXXX account as well as XXXX XXXX account that are furnishing inaccurate information. I do not owe a debt to either of the institutions. And have begged and pleaded for the information to be made accurate in terms of my credit report. I am still demanding that I receive PROOF that I, XXXX XXXX have in fact contracted and with these institutions and owe a debt. I am demanding that XXXX XXXX be deleted from my credit profile as well as XXXX XXXX XXXX XXXX. And that the said late payments are updated to reflect fact, and accurate reporting. I HAVE NOT MISSED ANY PAYMENTS. So, Remove any Late Payment from my credit profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are quite a few hard inquiries that I didnt request/submit, here are the names of the companies for the inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX Syncb- XXXX XX/XX/XXXX Syncb- Walmart XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

First my loan was with XXXX XXXX XXXX. Then without notice I called last year in XX/XX/XXXX, to just check the status of my loan and I found out they were going out of business and my load was sold to a company called SST ( Systems & Services Technologies , Inc., in XXXX XXXX, IL. When I contacted them is when problems started. I requested that my loan documents they had converted be sent to me. I got a lot of window dressing from their customer service rep 's when I called in XX/XX/XXXX and followed up in XX/XX/XXXX. They stated something was being worked up to send me to this date of XXXX XXXX XXXX. I have not received anything and they have treated me like a lost step child. I'm quite upset with them and they have told me I have some daily interest that I didn't not sign for with XXXX and this was a two year load at best. They are trying to milk this loan out for 36 months. I'm paying {$350.00} a month on a loan agreement I don't have documents for and when I requested information from SST they stated they sent info that must have gone in my spam folder and they only send that one time. So I don't have any load documents. My loan was with XXXX XXXX, and not for 36 months at {$350.00}. I would like your assistance in getting this load either dissolved or a change in whatever arrangements they think they have with me.