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

This complaint contains two issues : 1. I have filed multiple disputes with Experian due to the bureau reporting incorrect information in a bankruptcy public record on my credit report and incorrectly reporting the history of a XXXX XXXX XXXX account. I requested the removal of the record ( s ) in XXXX, XXXX, and XXXX of XXXX. The bureau did not remove them. 

XXXX, the data furnisher could not verify the public record information and removed the bankruptcy record from my consumer report. That is the entity that furnished the incorrect and unverified data to Experian, which Experian states in their dispute results from XX/XX/XXXX. XXXX notified Experian multiple times and I also provided proof via a letter from XXXX to Experian in my dispute on XX/XX/XXXX. 

I filed a dispute with Experian regarding XXXX XXXX XXXX. I asked that the record be deleted from my report because the history is erroneous. There are several months reported as " ND. '' Then in XX/XX/XXXX, Experian flagged the account as 180 days delinquent. There are no XXXX, XXXX, XXXX, etc. days leading up to that. Simply ND, which indicates no investigation was conducted. How can an account start out at the 180 days delinquent mark? After XX/XX/XXXX, Experian reported the account as a " charge-off '' ( C/O ) for multiple months in a row. A charge-off only occurs once. The account was settled and closed. However, the history does not accurately speak to that. I want the account deleted from my report. 

XXXX. Additionally, the bureau has not updated my credit report since XX/XX/XXXX, despite my reaching out to them via phone and email multiple times. The last time was today, but there was no resolution over the phone. I do not have access to a current credit report or score. Experian is either reporting outdated and erroneous data to requesting parties or not supplying my report at all. I want access to my updated credit report and credit file. I want my online consumer portal updated with current information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card and I got denied. I was not told the reason why I got denied. I went home and decided to get a copy of my credit report on XXXX  XXXX and I saw various items that had been open. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

DPT ED/XXXX XXXX {$1000.00} DPT ED/XXXX XXXX {$1000.00} DPT ED/XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$4500.00} DPT ED/XXXX XXXX {$4500.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$2500.00} DPT ED/XXXX XXXX {$4200.00} DPT ED/XXXX XXXX {$1900.00} DPT ED/XXXX XXXX {$12000.00} DPT ED/XXXX XXXX {$2000.00} DPT ED/XXXX XXXX {$3500.00} XXXX XXXX   XXXX {$420.00} DPT ED/XXXX XXXX {$21000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is new relevant information and request from experian and i will send a hard copy of this request via mail because i will not give up on this matter IN ONE OF YOUR RECENT LETTERS YOU STATED BY LAW YOU MUST NOTIFY SO YOU KNOW THE LAW AND I NEED YOU TO FOLLOW IT IN THIS CASE YOU DID NOT AND I WILL BE FOLLOWING UP ON THIS ONE XXXXl XXXX {$600.00} : so experian said that they sent me correspondence that they had unblocked this account, ironically they had just sneaked it back on my report they did not know i was going to complain now they want to say they sent me a notification Well i need what the date the notification was sent? 

What was the report number on that notification? 

They only said they had sent it because I pointed out the violation of the FCRA, failure to notify They even said in a recent letter that when a account in ublocked they must notify, they did not do so, and i would be curious to see the date they claim they notified me PLEASE BE ADVISED THIS IS NOT A DUPLICATE COMPLAINT IT CONTAINS NEW INFORMATION ON THIS MATTER This is not a threat but if i dont received this information i am turning all my correspondence over to a consumer attorney with all communication on this particular account and lets see where you guys are going to get a letter dated when you sent this correspondence to me notifying me of you unblocking the above account I have every report from the date the account was blocked to the date it was unblocked and no notification was sent notifying me the account would return SEE ATTACHMENT
Product: Mortgage

My mortgage company, ' Nationstar ' has not been applyingmy monthly payments! 
They changed the payment amount, but did not inform me! 
I have talked to at least XXXX people at Nationstar over the past 7+ weeks, Every time I talk to someone, the story & amount changes! 
I talked to a Rep on XX/XX/XXXX who said the amount was {$1300.00}, However Nationstar says that was the wrong amount!? 
They have put on my credit report that I am 60+ days Late! 
I have made ALL of my payments on Time & in FULL!! 
I have contacted an Attorney!! 
" NATIONSTAR MORTGAGE " is a CRIMINAL JOKE!!
Product: Credit reporting

As a condition of our marriage dissolution my ex-husband was supposed to file our taxes for 2008. He failed to file State taxes & ignored multiple certified letters notifying him of the debt liability, and then the tax lien being placed on us. I no longer resided at that address so I did not receive notification of the lien until it hit my credit report. I contacted the creditor, arranged payment, and made sure the debt was paid, paying the lion-share of the debt. The lien has since been released, but Equifax says it will show on my credit report as a released tax lien for up to 10 years. I want the tax lien information completely removed from my credit report. When I learned of the tax debt, I actively took steps to pay it off, contacting bill collectors and paying what my ex-husband failed to pay. Although it appears as 'released, ' this tax lien threatens to stifle my ability to gain credit, making it even more difficult as a divorced woman to establish myself financially after my divorce. Why must responsible people be made to suffer? Have n't I suffered enough?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed some disputes with Equifax, XXXX XXXX XXXX. They didn't reply in 30 days.
Product: Debt collection

I have an acct on my credit from CMRE FINANCIAL SERVICES in the amount of {$330.00}. This acct do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this acct belongs to me. If they are unable to provide documentation. I want this removed from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts that are on my credit report that are not legit. Two are from the same place which they are reporting 2 accounts from XXXX XXXX XXXX, and the other is XXXX for XXXX. 

XXXX XXXX are reporting two accounts that I know are not mine. 

XXXX is reporting me but I do not owe them anything at all. They say they have my account from XXXX. I called XXXX and they said I do not have anything in collection with them. I requested proof from XXXX  and the 3 credit bureaus and also requested a detailed description of what I owe to XXXX  *I have never heard of a place called XXXX & I never received any proof with my signature acknowledging any account. I have made these requests multiple time 's over the last two years and my requests are ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX  : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX Balance {$3900.00} XXXX XXXX XXXX Balance {$13000.00} XXXX  Balance {$1100.00} INQUIRY : XXXX XX/XX/XXXX EXPERIAN XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Balance {$3900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Balance {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) Balance {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX XXXX XXXX Balance {$13000.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$430.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$20000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Balance {$970.00} NXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Balance {$33000.00} XXXX Balance {$3900.00} XXXX XXXX XXXX Balance {$13000.00} XXXX Balance {$1100.00} INQUIRY : XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These accounts listed here are all opened fraudulently without my permission : There is identity theft occurring on my credit report. 

Account Name : XXXX  Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX Account Number : XXXX Reason : Identity Theft Account Name : XXXX - XXXX XXXX Account Number : XXXX Reason : Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Late XXXX XXXX, I became apprised of the fact that an unauthorized inquiry appeared on my credit. I attempted to notify Equifax of this issue and initiated a dispute as per their online portal. They failed to do any semblance of an investigation and came back to me later indicating that this unauthorized inquiry would not be removed. As a result, I was forced to complain to a higher authority and filed FTC report XXXX. I mailed a copy of that report as well as another dispute and demanded removal. Equifax has not removed the inquiry as of this date ( XXXX XXXX XXXX ) and is presently in violation of FDCPA. I am initiating this CFPB complaint as a last ditch effort prior to filing civil litigation as a result of Equifax failing to adhere to the laws and regulations it is required to follow.
Product: Payday loan, title loan, or personal loan

My complaint is against company Hatfield , Inc. XXXX XXXX. When I joined or signed up for XXXX I was asked to submit my recent paystub information. Fast forwarding to recent events and the nature of my complaint today, I requested a loan on XX/XX/2022 for the total amount of {$60.00}. This was successfully delivered to my bank checking account on the same day, XX/XX/XXXX. On Wednesday, XX/XX/XXXX XXXX XXXX XXXX payments of {$14.00} and one payment of {$3.00} totaling {$60.00}. This payment that was deducted on XX/XX/XXXX caused my checking account to go into overdraft which resulted in bank overdraft fees. Per Hatfield, XXXX on the app it specifically states under the article/question " Can I Change My Repayment Date '' the following : " Our system automatically check your account balance and debit your connected account for the remainder of the advance ONCE THERE ARE SUFFICIENT FUNDS IN THE ACCOUNT. '' This statement is inaccurate and falsely advertised by the company. I provided paystubs documentation that shows my pay dates are every OTHER FRIDAY. However, they deducted funds from my account on Wednesday, XX/XX/XXXX which is earlier than what I provided to the company as my documented pay dates and also the day that I am able to afford to repay the loan. I contacted customer support on Wednesday, XX/XX/XXXX to dispute this transaction and explain the above. I explained to them that my bank as a COURTSEY to their customers may release my pay check early which falls on a Wednesday but this is a COURTSEY and my confirmed/documented pay date as shown on my paystubs. The respond that I received from customer care via email was that I need to have sufficient funds in my account to cover the repayment funds and also in a later email correspondence ( after going back and forth with them ) they stated that the system can in error detect an incorrect pay date and at this time they are working on their system. This is unacceptable, if you are a company that lends money. Additionally, on several occasions via email I have asked/requested contact information so that I can speak with a LIVE HUMAN about this matter and no contact information have been provided to me from customer support as of today 's XX/XX/XXXX - date.
Product: Mortgage

Dear Bayview I am requesting your assistance regarding my owners policy with XXXX   XXXX XXXX XXXX ( order number ) XXXX XXXX XXXX has provided a conflicting document to a third party. XXXX XXXX XXXX has repeated this for more than 5 years. XXXX XXXX XXXX conflicting litigation guarantee to third party XXXX to XXXX XXXX XXXX. XXXX XXXX XXXX repeated stated no document exists by email. However it turns out the document was given to third party XX/XX/2018 by XXXX California. The conflicting litigation guarantee - a direct conflict to lenders policy XXXX ( order number ) and owners policy which neither has elapsed.
Product: Credit reporting or other personal consumer reports

TransUnion allegedly verified this debt as belonging to me but provided no evidence they did a reasonable investigation in the matters at hand. I do not recall receiving any documents that verified this debt. Furthermore there can be no verification because I did not have a contractual agreement with this company that would have required me to repay this debt. There has been no court ordered judgement rendered against me so I do not have an obligation to repay this debt. Transunion is using deception to damage my report because they are paid by these companies to report fraudulent information and TransUnion makes money from selling consumer reports. They are listed on the XXXX website as a publicly traded company that sells data. I never gave any such permission for this to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' This company is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. This company the financial institution and the Consumer reporting agencies XXXX and 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, This company 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. '' This company never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

PennyMac Loan Services will not remove the PMI payments on my mortgage. I have made numerous additional principal payments to get the principal below XXXX % of the originally appraised value ( {$240000.00} ) on the mortgage. I have never missed a payment and requested that the PMI be removed when the L : V ratio fell below XXXX % of the original appraisal back in XXXX 2015. At this time they ordered a BPO, which found the value of the property to fall from {$240000.00} to {$230000.00}, therefore denying the PMI removal request. I was told by PennyMac that as a result of the BPO, the L : V ratio needed to now be below XXXX % of the orginal value in order for the PMI to be removed. Under instructions from PennyMac, I made further additional principal reductions to get below the 78 % L : V ratio ( based on the original appraisal ). PennyMac is still refusing to remove the PMI even though the L : V ratio is now below XXXX % of the orginal value. Since beginning this process, I have followed up numerous times only to be told different information each time I call. The usual excuse I am given is that they are looking into it and I should wait 10 business days for a PMI removal resolution to be determined. In the meantime, I am still making PMI payments even though my principal balance is below XXXX % of the original value. In my opinion, PennyMac is intentionally providing me with misinformation and using delay tactics to extend the PMI payments on my mortgage. Please assist in getting the PMI removed from my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit card

On XX/XX/year>, at approximately XXXX XXXX, I spoke with a supervisor named XXXX XXXX XXXXXXXX ) regarding my account. XXXX was impatient, rude, and unprofessional. When I asked basic questions about transactions and payment calculationsspecifically how a {$720.00} payment would prevent interest charges on my next statement, which seemed incorrecthe refused to provide a clear explanation. Instead, he abruptly hung up on me mid-sentence, demonstrating a refusal to assist. 

Later that day, at approximately XXXX XXXX I spoke with XXXX ( XXXX ) and XXXX ( XXXX ), XXXX of whom was a supervisor ( XXXX unsure which ). During this call, I received contradictory and confusing information about avoiding interest charges : XXXX. I was told I must pay off purchases in full before the XXXX of the month to avoid interest. 
XXXX. I was then told that even if I pay off purchases in full before the statement closes, I would still incur interest, citing Citi Bank policy. 
XXXX. When I posed a specific examplepurchasing {$300.00} on XX/XX/XXXX and asking when it must be paid to avoid interestI was first told by XX/XX/XXXX, then informed that the payment date doesnt matter because interest would still apply. 

This XXXX call was recorded with the representatives prior notification, and I am willing to provide the recording to upper management for review. The inconsistent and evasive responses suggest either incompetence or intentional misconduct. If this reflects Citi Banks practices or training, it raises serious concerns about transparency and legality. I demand a prompt resolution, or I will explore legal options, including class-action litigation.
Product: Credit card or prepaid card

Date : XX/XX/XXXX Amount : {$1500.00} Cash app did not do anything to resolve the issue XXXX let XXXX people take my money frm my account I reports XXXX account but cash app did not do anything to resolve XXXX issue XXXX still let XXXX people scam me, XXXX  lady scam me I did not get a product