23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I contacted the company ( XXXX XXXX Confirmation # XXXX ) with the request below, but I was really surprised to hear that they would not be able to help me at all. Even though I was trying to do everything in my hands to keep the payments current on my obligations. I believe the lack of sympathy during a costumer 's hardship is proof that banking companies only care about profits. In addition, the company will not offer any help or assistance unlike other credit card companies that I contacted. 

" I am writing this letter to inform you that I have lost my job on XX/XX/2015, and I am having difficulty paying all of my debts each month. This is a temporary condition as I decided to improve my skills by going back to school to get the XXXX license. I suspect that I am going to have trouble paying my debts for the next year as I have depleted most of my savings in my school cost, licensing cost, and personal living expenditures. 

I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting. 

I believe that if we both work in good faith, we will save each other unnecessary financial harm and many costs by avoiding going into a reduced debt settlements or a time consuming debt negotiation. 

I would like this payment reduced As Soon As possible so that I can continue to pay all of my bills and living expenses on time and current in this time of economic hardship '' Then : I sent an email, and left a voice mail to XXXX XXXX, but they were not answered. I received the letter attached via USPS mail, but it is not addressing any of the matters. As per the letter, the bank is unwilling to do anything unless I default, which it is actually ludicrous. 

XXXX, XXXX, and other financial institutions have worked with me, and offered me financial solutions with lower APR and payments in order to avoid delinquency. The bank 's position should be consider predatory lending, and it should be look into closely by the CFPB. 

Please let me know if there is anything that the CFBP can do in this regards. Meanwhile, I am going to look for other options like filing separate complaints to the XXXX, FTC, the local and national Dept. of Consumer Affairs and NYS Attorney General to address this matters. 

Thank you so very much.
Product: Mortgage

We refinanced our mortgage, and paid the old XXXX off in full. Upon closing the old loan, we were charged {$220.00} for a Loss Mitigation Fee. 

The company, Dovenmuehle Mortgage XXXX XXXX, can not explain what this fee is for, and they refuse to refund the {$220.00}. This loan was suppose to have a no pre-pay penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account, has violated my rights. 15 U.S.C 1681e Section ( b ). States whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) Acorrding ( why this matters ) UCC Article 9-625 Section A Stat In accordance to the Fair Credit Reporting Act XXXX XXXX  the following instutions : XXXX XXXX, XXXX have voilated my rights by adding unwanted inquires to my consumer report. 15 U.S.C. 6801 ( a ) 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. In addition, 15 U.S.C 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Nonpublic personal information refers to any information about an individual that is not publicly available and can be used to identify that individual or their financial transactions. This includes : 1. Personally identifiable information such as name, address, Social Security number, date of birth, and driver 's license number.

2. Financial information such as account numbers, credit and debit card numbers, transaction history, and credit scores.

3. Information about an individual 's financial behavior such as account balances, payment history, and credit inquiries.

4. Information about an individual 's relationships with a financial institution, such as account ownership and beneficiary information.

In general, any information that is not readily available to the public and can be used to identify an individual or their financial transactions is considered nonpublic personal information. Financial institutions have a duty to protect this information and use it only for legitimate purposes, such as processing transactions or providing services to the customer.
Product: Credit card or prepaid card

an ex co-worker allowed me to use his XXXX prime account to help me buy a gift for my kids last year..around XXXX XXXX, when we were working together, in XXXX, Michigan XXXX At the time i lived in XXXX, ohio, and he resides in XXXX, michigan. i purchased the item on his account to be delivered to his house free shipping. his account was free shipping, mine was not. he got the item, and brought it to me at work when it arrived. since then, he quit the company in XXXX or XXXX, XXXX. I left the company in XXXX XXXX, and moved to the XXXX, Florida area, XXXX XXXX, and live in a town called XXXX. in XXXX i was on work assignment in XXXX XXXX, stopped in on XXXX to the bank, PNC BANK, to check balance on my credit card and pay it. This is when i found out that there was many purchases to XXXX marketplace, which i did not do, nor authorize. I met with banker, they cancelled card, ending in ... XXXX, issued me a new one, and i filed a dispute. After i left the bank i called XXXX XXXX XXXX XXXX, and asked for them to look me and my credit card number up, which they did. I asked them to run a report comparing my card charges to any shipping address which was NOT mine. I live in XXXX, Florida. I have a billing and shipping address in XXXX, Florida. The Customer service lady, named XXXX, emailed me and XXXX ( the unauthorized user ) a copy of each purchase which was shipped to his address in XXXX, Michigan. including each order number and description of items, dates, and costs. Each which matched my credit card statement. This activity began XXXX XXXX and ran through XXXX XXXX. There are XXXX seperate orders, each with multiple items. 
Since then PNC BANK, XXXX XXXX, on XXXX XXXX, sent me a letter stating they " have determined '' that i had authorized the use of my card. And i am responsible for the charges on my account. 
This is incorrect. Never did i allow him to use my credit card for any purchase. Nor did i know he would have saved my card number, and use it at a later date. I called PNC XXXX XXXX week of XXXX XXXX, XXXX times, and asked how they came up with this determination, and they said i would have to speak with XXXX, who was suposedly off until Monday. Asked for her to call me back, and it has been over a week and she has not called me. 
The total purchases ( as known to this day ) is {$9100.00} .... 
XXXX bank contact was XXXX XXXX, at PNC, XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX, phone number XXXX. 
I spoke with PNC fraud/dispute team on that same day from XXXX office. business date XXXX XXXX, XXXX. I have a contact name of XXXX, at XXXX for dispute team.
Product: Credit reporting or other personal consumer reports

I don't know what I was doing wrong because I know having credit is already a privilege, but I can't even utlize that because my scores have been affected because of the inaccuracy being reported here on my credit. It's painful to see how many opportunities I had to let go all because of these unwanted and unchecked items are reflecting on my report and are preventing me from getting approvals.
Product: Checking or savings account

Opened up my business and tried to get business bank accounts. I tried CHASE, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I found out that accounts were opened at CHASE XXXX XXXX XXXXXXXX AND XXXX in my name without my permission. I had identity theft when I got robbed before. I can not run my business with bank accounts. Each time I went into the banks I was told I would receive a paper in the mail that would help with fixing this. Its been years nothings change.
Product: Debt collection

I received a phone call in regards to my bill being forwarded to collection from the doctors office, it was two weeks after i visited the emergency room.
Usually it takes about two weeks before the insurance pays there portion and my insurance took extra few weeks to provide me with what i was expected to pay.
I immediately called the doctors office to pay the amount expected from me and i was forwarded to CMRE FINANCIAL who they process payments with anything that is even a day late, but they promised it wo n't appear on my credit report since they understood i did n't receive the statement.
The problem i am running into now is CMRE FINANCIAL went ahead to report as collection that was paid off which significantly impacts my credit for a payment that was fully paid within a normal insurance processing period.
I have asked credit agency 's to delete the information my report without success.
I would like both CMRE FINANCIAL and XXXX XXXX to delete the negative information from my report.
Product: Credit reporting or other personal consumer reports

Subject : Identity Theft Dispute FCRA 1681c-2 & 1681s-2 Compliance Failure I am submitting a formal dispute regarding fraudulent accounts and inquiries that have been added to my Experian credit report due to identity theft. I have never applied for, authorized, or used these accoun

ts or inquiries. I have already provided my FTC Identity Theft Report as required under FCRA 1681c-2 and expect immediate corrective action. Legal Violations & Demand for Immediate Removal 1. Non-Compliance with FCRA 1681c-2 Failure to Block Fraudulent Accounts Under FCRA 1681c-2, Experian is legally required to block fraudulent accounts within four business days upon receipt of an identity theft report. The following accounts remain on my credit report despite my documented dispute, which constitutes non-
compliance : Fraudulent Accounts on Experian [ XXXX  XXXX XXXX ] [ XXXX  XXXX XXXX ] [ XXXX  XXXX XXXX ] [ XXXX  XXXX XXXX ] [ XXXX  XXXX XXXX ] [ XXXX  XXXX XXXX ] XXXX. Non-Compliance with FCRA 1681s-2 Failure to Conduct a Proper Investigation Under FCRA 1681s-2, Experian must conduct a reasonable investigation of disputes and remove fraudulent information. The following inquiries remain on my report, further indicating a failure to meet federal compliance standards : Fraudulent Inquiries on Experian [ XXXX XXXX XXXX XXXX ] [ XXXX 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

XXXX  XXXX {$36000.00} opened XX/XX/2019 is still reporting on my account but that debt has been discharged.
Product: Debt collection

I have been a victim of identity theft for the past years. There have been Fraudulent Items being reported to my Credit Report. The following account LVNV FUNDING LLC ( Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) ( Account Number : XXXX, Date Opened : XXXX XXXX, 2022 Balance {$380.00}. Cease the reporting of this fraudulent account immediately.I am not liable for this debt with XXXX XXXX XXXX  XXXX XXXX XXXX and I do not have any contract with LVNV FUNDING LLC. This account is fraudulent and does not belong to me, I have attached an FTC report along with this document along with a copy of my ID. I am requesting the following 1.Immediate Cease of reporting this alleged debt to any Credit Reporting Agency 2.A formal apology from LVNV FUNDING LLC for the violation of my rights under the FDCPA. 3. Compensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. XXXX. Reimbursement of any legal fees incurred in addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called  XXXX / XXXX / XXXX  for report #  XXXX  in reference to incorrect inquiries on my credit report. I spoke with  XXXX  and he could not help. I requested a supervisor and they refused to help. Incorrect inquiries listed below :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Debt collection

I am submitting this complaint regarding XXXXXXXX XXXX failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, XXXX has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer int ethe Fair Credit Reporting Act ( FCRA ) I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, XXXX has either failed to verify the information properly or has responded with a generic " verified '' statements without explaining their investigation process or correcting the errors. 

This failure to conduct a reasonable investigation has caused harm to my credits score and financial well-being, affecting my ability to get approved for credit, loans, housing, etc. 

I am requesting the following actions from XXXX through the CFPB : 1. Conduct a proper and thorough investigation into the accounts I've disputed. 
2. Provide me with detailed explanation of the steps they've taken to verify or correct the information. 
3. Remove any inaccurate or unverifiable information from my credit report immediately. 

Thank you for your assistance in addressing this matter and ensuring that XXXX complies with federal laws to protect consumers like me. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : AXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Consumer Loan

I leased a vehicle at XXXX XXXX XXXX in XXXX. When the lease was up, I paid Volks Wagen Credit balance in full via wire transfer, I requested a paid in full letter which I received. This all transpired XX/XX/XXXX. I decided to sell the vehicle last week, XX/XX/XXXX. I discovered Volks Wagen Credit had a lien on the title, I contacted Vw credit and the said it was XXXX XXXX XXXX problem. I called XXXX they said it was Volks Wagen Credit mistake. I called VW credit again and they said they sent the release to the DMV and it would be two weeks! I lost my buyer, and now I 'm told I need to go to DMV and request Title. I paid in full {$15000.00} and a year and a half later they still have a lien! How many vehicles to they reposes with a false lien?????? I have to take a day off work to go to DMV and find another buyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written and talked to them on the phone and was told they would investigate and update it in XXXX days. Nothing was changed. They claim no discrepancy was found.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Dear TransUnion I am writing regarding my previous dispute, submitted on XX/XX/XXXX, about inaccurate information on my credit report. Despite my efforts to have the errors corrected, the matter has not been resolved. XXXX act of negligence is damaging my credit report. This account is clearly still not compliant with XXXX XXXX. This account is clearly inaccurate & incomplete, so how did you guys even verify this account. Now you guys are neglecting my character & intelligence. 
I am now submitting this second request for an investigation on the procedures XXXX used to verify this account or remove this account off my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT IN VIOLATION REMOVE THIS ACCOUNT Two-Year Payment History : ( XXXX ) TRANSUNION IS REPORTING NO TWO-YEAR PAYMENT HISTORY. 
HOW IS TRANSUNION REPORTING DATES AND STATUS, BUT NOT REPORTING ANY TWO-YEAR PAYMENT HISTORY? 
TransUnion : No History Reported XXXX : XXXX is going against their own Glossary of account conditions & payment status : Payment Status : ( XXXX ) This XXXX XXXX Account is acting as a Charge-Off Account & Collections Account Simultaneously. Payment Status is Charge-Off on Report, but XXXX XXXX is acting as XXXX XXXX XXXX XXXX attempting to collect a debt as a Collection Agency too. 

Date Opened : ( XXXX ) ( XXXX ) DIFFERENT DATES OPENED. HOW ARE THERE XXXX DIFFERENT OPENING DATES REPORTING? 
TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Closed Date : ( XXXX ) DIFFERENT CLOSED DATES TransUnion : XX/XX/XXXX XXXX : No Closed Date Date of Last Activity : ( XXXX ) ( XXXX ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE XXXX DIFFERENT DATES REPORTING? 
HOW DID TRANSUNION VERIFY THIS ACCOUNT, AND DATE IS XX/XX/XXXX? 
TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX Last Verified : ( XXXX ) HOW DID TRANSUNION VERIFY THIS ACCOUNT, BECAUSE THERE ARE MANY THINGS THAT ARE STILL INACCURATE TransUnion : XX/XX/XXXX XXXX : No Date Reporting Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. If you believe the information is accurate, I request that you provide me with the following : The whole procedure used in your investigation to verify this account. 
Verification documents from the furnisher of the disputed information. 
If the disputed information can not be verified or is deemed inaccurate, I request that it be removed from my credit report in compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had to file a complaint your your agency, several times on EQUIFAX. Each time the matter was corrected. But, now Equifax has a pattern of violating my rights provided to due and I can only believe it is due to the fact, that I have filed several complaints against them. 

The latest complaint is, that XXXX XXXX, has report a credit account to all 3 bureaus on my behave and XXXX  and XXXX  has updated and reported the account to my credit file. But, once again EQUIFAX, has choose not to honor the credit providers information provided and not report the account to my credit file. Equifax mandate, is to report the information provided by the actual creditor and has made the decision not to update the information provided, from the creditor. That is paying a service fee, to equifax, to keep current and update all credit files that the creditor provides data on. This is very unprofessional and has cause me a hardship once again. Due to the lack of not following the mandates provided by the creditor and the fed government. There should be no need for a long drawn out process, the information was provided to them and just needs to be updated as requested by XXXX. 

If things continual in this manner, I will have no choice but to file a civil case against them for all the various violations to my rights. 

I have attached a copy of my credit file, showing it has been report to the other bureaus and updated in a timely manner
Product: Mortgage

I filed for a modification on my FHA loan with Mr Cooper. The modification was approved but was only a difference of {$14.00} per month, while increasing my principal balance by {$48000.00}. I spoke with representatives several times in the the past week. The most recent date was XX/XX/XXXX. It was confirmed that I was declining the modification and I would make my regular payment no later than XX/XX/XXXX. 

Mr. Cooper 's system will not accept my regular scheduled payment. No one is calling me back. Please help, as I have no desire to have a 30 day late payment on my credit reporting. 

I appreciate your assistance in resolving this item. 

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

On XX/XX/2020 Clerk of the Court XXXX XXXX Filed a notice of withdrawal of Bankruptcy, I contacted the 3 major credit reporting bureaus so they could do there Research and remove this XXXX XXXX XXXX from my credit file XXXX XXXX XXXX 
Ive spent countless dollars and so much of time trying to dispute this unlawful Public record on my Personal Credit file it remains. according to FCRA EXPERIAN and XXXX have 30 calendar days to investigate errors and unlawful reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Reviewing my Credit Reports, I noticed that there is a Public Record Bankruptcy on my Credit Report. Experian and Trans-union have not verified Accuracy of Bankruptcy on my credit report. I disputed these item on my report with Experian and XXXXXXXXXXXX but they have not remove public record Bankruptcy. Im not able to get approved for any new line of credit because of this. Experian stated they verified bankruptcy with XXXX XXXX but my XXXX XXXX file has an security freeze which prohibit anyone from viewing my report. Experian and XXXX  XXXX  are violating Fair Credit reporting act. The Bankruptcy reporting on my credit report has an address where I do not live. I disputed these items multiple times but they have not removed item. I contacted the Federal US XXXX courts which they advised that they do not report to the credit bureaus. They do not disclose anyone Social Security or Date of Birth to credit bureaus. Also Address with XXXX  court is not my current address. this is unverifiable. The Credit bureaus are in complete violation of Fair Credit Reporting Act. 
Im Attaching copy of XXXX XXXX statement below.
Product: Debt collection

Received notice of debt collection by convergent outsourcing inc listing XXXX XXXX XXXX as claimant for account balance of {$320.00} as of XX/XX/2001 which would have been 20 years ago. This is clearly fraud.