23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was told by my originating lender at PNC that if I paid my loan down to XXXX % LTV or LTC the PMI would be removed. He also stated that if I brought in an updated appraisal that shown an increase in value to my property the PMI would be removed. I paid down my loan significantly to XXXX % LTC ( less LTV ) in the first year of my loan. I called to have the PMI deleted and PNC stated that they would n't be able to without me paying {$500.00} for an appraisal which they must order. I asked if I could get my own appraisal ( especially since noticed that the last appraisal they ordered the appraiser charged {$240.00} yet I paid {$500.00} ) and they stated that would not be acceptable. I asked if I could bring in an appraisal from another Bank and they said no, I asked if I could order one directly from someone on their approved appraisers list and they said no. Their lender lied when he stated I could bring in my own appraisal to get the PMI deleted and I find it insane that if I paid as agreed and let my loan amortize out over years the PMI would be deleted yet I 'm being punished by being forced to pay {$500.00} for a new appraisal ( when my previous one if 13 months old ) or they wo n't remove the PMI. I would not have made this loan through them if I had known the truth and the lender had not lied to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Thank you for the improvements! But I still have a damaged score because of the items that do not belong to me. I have never had anything with these companies and received bunch of inquires and collection. Tried to solve it by myself but I failed. Nobody wants to help me from those companies. Please remove these items from my report. Thank you!
Product: Student loan

While Navient was my loan lender, they kept assuring me that my payments were being applied to the Public Service Loan Forgiveness program. I even sent them several PSLF employment forms and confirmed with Navient that they had been received and were being counted. My payments, of course, couldn't be counted because my loans needed to be consolidated under XXXX XXXX to be eligible for the PSLF program. Navient lied to me for 2 years before I found out the truth. I've lost 2 years of PSLF because of Navient. Navient need to be held accountable for lying and taking advantage of thousands of people.
Product: Debt collection

Jason Michael Katz , P.C . has violated my Federally Protected rights under the Fair Debt Collection Practice Act 15 U.S.C 1692. Jason law firm pursued litigation in state court for the 2nd time, without 1. Notifying me of this lawsuit, I have not received a new copy of the lawsuit before Jason and employees filed for an judgement 2.I never contracted with Jason P.C . to be sued upon neither time violating 15 U.S.C 1692i. I was also threatened and coerced into payments by Jason P.C. that I would be sued if I did not pay them for the alleged debt. I am now putting you on NOTICE to Cease Communication with me from all mediums including ceasing the judgement within 30 days and returning the funds as stated in my attachment.

Jason P.C. has used deceptive and abusive debt collection practice while collecting on the alleged debt causing me actual damages including but not limited to mental anguish, defamation of character, embarrassment, anxiety and more that will brought in Federal Court if you fail to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a new unrecognized Credit Inquiry on XX/XX/XXXX from a Lender XXXX ( XXXX XXXX XXXX XXXX XXXX in my Experian Credit report ). I see another inquiry from the same lender on XX/XX/XXXX which I also don't recognize. I suspect this could be a case of potential Identity theft, someone having access to my personal information. I have requested for a Credit freeze on XXXX XXXX XXXX and put a XXXX alert on Experian for any future credit activities.
Product: Credit reporting

This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX XXXX ; or share my credit report with XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my 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
Product: Checking or savings account

After placing an online order using a debit card, an online vendor continued to charge my card periodically anauthorized amounts for which no service or good was delivered. This was despite the fact that the account number and pin changed, Huntington continued to allow this vendor to directly debit my checking account. 
I submitted a dispute XX/XX/20 for the {$890.00} that was stolen in this manner, and initially was credited most of the money back. XX/XX/20 Huntington sent me a note reversing this decision stating that I had not provided requested documentation. No documentation had been requested. When I called today XX/XX/20 I was told that the dispute was denied because the charges were more than 60 days old ( despite the fact that some were recent ). I was told I could resubmit them but they would be denied. 
What is infuriating is that when I initially filed my dispute the representative was apologetic and confirmed that the charges should not have processed, but once the claim was denied the service team became hostile and combative.
Product: Bank account or service

I Canceled my Credit Card or Merchant Services company and then got hit by predatory fees. I called to cancel was given instructions on returning the Credit Card terminal which I followed & from that point forward they began pulling money from my account through ACH charges. I attempted to handle it through my bank but because it 's a business account, I would have to catch the charges within 24 hours. Prestige & First Data know what banks can and can not do so they are VERY sly in changing dates, numbers, and descriptions so my bank can not just deny future charges because they will change an amount, description, or date just enough that a database can not see it. 

The Merchant agreement was sold as a FREE service with only standard % per transaction fees, $ per swipe, and NO monthly fees or charges for equipment. 

This is predatory and malicious behavior when I did my due diligence to cancel & follow all protocols as stated on the phone during cancellation. I also have my current company that offered them reimbursement for an " CANCELLATION FEES '' but they claimed there were n't any. 

I am a sole proprietor and really need your help getting my money back and stopping this company from future business dealings with me or others who might fall for the same lies played on the sales calls. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Cfpb Dont tell me to go to FDIC .

This is a request for correct reporting per FCRA. Send to company. To Whom It May Concern at XXXX XXXX XXXX Bank , I am writing to formally request that XXXX XXXX XXXX XXXX update the credit bureaus to accurately reflect the resolution of my account ending in XXXX. This account was settled in full as per the terms of the agreement negotiated through XXXX XXXX, and I request that its status be updated to reflect " Paid in Full '' or an equivalent positive resolution with all three major credit reporting agencies ( Experian, XXXX, and XXXX ). The settlement agreement was fulfilled on my end, and the negotiated payment was completed as agreed. Despite this, the account continues to inaccurately appear as a negative. This misrepresentation is not only damaging to my credit profile but also fails to reflect the good faith resolution of the account. To assist you in promptly resolving this matter, I am providing the following documentation : Settlement agreement documentation negotiated through XXXX XXXX. Notify all three credit reporting agencies ( Experian, XXXX, and XXXX ) to update the account status to reflect it as Paid in Full or Settled as Agreed. Provide me with written confirmation that the updates have been submitted to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), creditors are required to ensure the accuracy of the information they provide to credit bureaus. Your prompt attention to this matter will ensure compliance with these requirements and prevent further inaccuracies. If additional information is required to process this request, please do not hesitate to contact me, Thank you for your attention to this matter. I trust you will handle this in a timely and efficient manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

An attempt to make payment for the month ofXX/XX/2019 was unsuccessful due to inability to access account with regular credentials after countless tries. I was without cell phone reception on and off for days due to travel. I was finally able to gain access to account after making a password change. When I saw the remaining balance .... it was my immediate reaction to pay the entirety of the remaining balance. Mostly to avoid anymore account accessing issues. Very frustrating. I was elated to have the account in good standing and finally closed. Until ... I received emails months later stating I had a balance. Unable to gain access to the account to resolve issue financially, I called. Over the phone I explained why payments werent made. We settled the issue with the agreement I would pay {$89.00} as a final payment. I have received a receipt for transaction. This receipt contains NO indication that this account is now closed. 
I had no way of knowing if this account had gone to collections or not. As both XXXX XXXX XXXX and lending club patient solutions sent me updated information about my account and payments via email since the establishment of this account. 

I was unable to make my first payment without calling. I was then directed to a website that was not indicated on my statement. XXXX From which I made an account and began making payments monthly. 
I received this loan for dental
Product: Student loan

Hi - I recently was notified by a collection agency that is now threatening me to pay on my private student loan that was sent to them by Access group on XX/XX/2020. The servicer, XXXX XXXX has all my information including XXXX phone number and email ), I was in a payment plan with them and when it ended the last attempt they contacted me by email was on XX/XX/XXXX. They put the loan in default without notifying me and sent it back to Access on XX/XX/2020. On XX/XX/2020, Access then sent it off to a collection agency and I received a call from them harassing me to pay the entire debt of the loan which totals approximately {$8900.00}. 
There was no attempt from Access to contact me to possibly see during XXXX, I can enter into a payment arrangement or possibly a forbearance. I have experienced hardship during Covid -19 and was able to make arrangements with my other student loans, I can not believe that they would send a student loan to a collection agency during this time. Access has all my contact information and could of reached out to me via email to make an attempt to collect or arrange a payment plan prior to sending to a collection agency. 
I think that Access group took advantage of the situation to send this debt off to a collection agency and remove it from their books.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been diligently contacting Equifax in order to remove a Old Consumer statement from my report Since XX/XX/XXXX for a month now. The Consumer Statement was not made by me and is a result of Identity Theft in the past. All 3 of my Credit Bureaus had Fraud Alerts and Equifax Must Remove this Consumer statement. I have spoken to 3 different managers and 5 customer service representatives In Equifax customer service department and they all say they have removed the Consumer statement and will show as removed on the credit file in 72 Hours and they give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax and the Consumer statement was not done by me. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately! The last 4 digits of my social security # is XXXX.
Product: Debt collection

My home mortgage loan was sold to a company called Seterus Inc . In late XX/XX/XXXX/XX/XX/XXXX we fell behind in our mortgage. In late XX/XX/XXXX Seterus offered us a refinance agreement and started a 3 month trial. During this 3 month trial which we completed successfully, Seterus representatives continually called, This week ( XX/XX/XXXX ) twice already, the first representative stated that he was calling to collect a debt, without checking to see that I had spoken to a representative the week before and discussed the refinance package that was sent to me. I have until XXXX XXXX to respond and yet they still call me constantly. Some representatives have been threatening, telling me that if I do n't provide a repayment date or plan they will foreclose on my house, even though I was complying with their refinance package. I also receive as many as 3 letters a day making the same statements. This company appears to use scare tactics and threats in order to force home owners to make rash decisions. Furthermore when I state that I would like to consult an attorney, they imply that they will go forward with a foreclosure action. This company has been bullying me for 6 months, and even though I have resigned to agree to their terms without consultation they still call and harass me. I thought this type of action was no longer legal.
Product: Credit reporting

Equifax refuses to provide the free credit report online or by mail. The last time that I was able to obtain my credit report online was on XXXX. Since XXXX, they always ask XXXX bogus questions to verify my identity, which I correctly answer as " None of the Above '', then they tell me that they ca n't verify my identity and that I have to apply by mail with copies of my driver 's license and SS cards. I have done that and still never get my credit report back. This year, I tried again and, once again, got the XXXX bogus questions. This only happens with Equifax XXXX give me my report without any problems. A quick XXXX search for " Equifax '', " Credit Report '', and " None of the above '' will yield thousands of complaints from other users for the same problem that I am having.
Product: Checking or savings account

On XX/XX/XXXX I received a call from a gentlemen identifying himself as XXXX XXXX with a badge number of XXXX from Citibank. He told me that there had been a hack of my account activity on my Citi account and the case number was XXXX. 

Upon further discussions over the course of XXXX to XX/XX/XXXX, he requested that I move funds from my account to safeguard them. 

As a result of the conversations, My checking account and my money market account had fraudulent ACH, XXXX and wire transfers that completely depleted all my money from both accounts. Those amounts were as follows ; XX/XX/XXXX ACH of {$1000.00} to XXXX XX/XX/XXXX Wire of {$48000.00} XX/XX/XXXX Wire of {$18000.00} XX/XX/XXXX Wire of {$2500.00} XX/XX/XXXX XXXX Debit of {$16.00} to XXXX XXXX XX/XX/XXXX XXXX Debit of {$440.00} to XXXX XXXX XX/XX/XXXX ACH Debit of {$10.00} to XXXX XX/XX/XXXX ACH Debit of {$5.00} to XXXX Citi sent some email notifying me of some of the transactions, but never reached out on the wires to inquire as to why I would be wiring this amount of money when I had never wired money previously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time around. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX Accounts Acct # XXXX, has violated my rights. 
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 In accordance with the Fair Credit Reporting act XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Please see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to bring to the Credit Bureaus ' attention the presence of fraudulent accounts and inaccurate information on my Credit File, which is causing significant concern and distress. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of these erroneous items in accordance with FCRA section 605b. It has come to my attention that there are accounts listed on my Credit File that were opened fraudulently. I believe I have fallen victim to identity theft, and I have taken the necessary steps to report the issue accordingly. Enclosed with this letter, you will find the required documents, including an ID Theft Report, supporting my claim and providing evidence of the fraudulent activities associated with my credit profile. I request the immediate deletion of the following items completely from my Credit file : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.
Product: Debt collection

I submitted a fraud claim to XXXX XXXX XXXX, Federal Student Aid an office of the US Department and XXXX XXXX XXXX no response XX/XX/2018.Instead my file was transferred to another agency Allied Interstate on theXX/XX/2018. 
XXXX XXXX Garnished me illegally. I had legal counsel at that time. 
We assumed the issue was resolve. I receive a letter from XXXX XXXX XXXX that I will not be offset XX/XX/2018 I was offset XX/XX/2018 ( enclosed is the letter ) Also I never received notice of Offset. Per the State Treasury funds should be giving back ( letter enclosed ) My Fraud Claim was not reviewed and XXXX XXXX XXXX refuse to return all funds. I submitted A hardship and I fit every criteria listed even eviction. Also I am on medical leave from my employer due to XXXX. In which I supplied documents I receive no income. XXXX XXXX XXXX violated FDCPA and FTC and never investigated my claim of fraud also I submitted there letter that they sent me in writing that they will not Offset or take any funds. I forward them back there own letters and documents from the department of treasury Nor Did Allied Interstate review. All calls were recorded even the call to the State Treasury that there was not a hold on funds. Which was forward to American student assistant, still no resolve.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for failing to investigate a debt before reporting it on my credit report. The debt in question is listed under XXXX XXXX XXXX XXXX with a balance of {$43000.00}, reported on XX/XX/year>. 

I dispute this debt and request that Equifax conduct a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). However, Equifax has failed to verify the accuracy of this debt before reporting it, which has negatively impacted my credit. 

I request that the CFPB take action to ensure Equifax : Conducts a full and proper investigation into this debt. 
Provides documentation proving its validity. 
Removes the inaccurate or unverified information from my credit report. 
Equifax, I appreciate your prompt attention to this matter and look forward to your response. 

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

I am a victim of identity theft and have noticed that I have several inquiries and accounts on my consumer reports, specifically Experian, by which I did not authorize. According to 15 U.S.C. 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2, this violates my rights as a consumer. The specific accounts that I am disputing are listed in my document attached. 


SN : The CFPB has already filed a lawsuit against Experian due to them incorrectly reporting information, illegally furnishing false information onto credit reports, etc. Please take this into consideration when considering removing the accounts in dispute. I am not accusing them of anything new, I just happen to be one of the several whom they've done this to. 

Thank you for your assistance with this!
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX