23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I noticed this on my report. I have sent them several letters asking them to provide me with a copy of any viable evidence bearing my signature. They have not been able to provide me with anything except a statement. They can't tell me what was purchased, when or by who. They keep calling me and harass me daily. I will be attaching all my letters with proof they have received these letters and still keep sending me statements. I had another instance with another debt collector where i had something on my credit report that did not belong to me and they were able to provide me with the actual application and there were two different handwriting that were not mine. i have no idea what this portfolio is trying to collect and they can't verify account.
Product: Checking or savings account

I submitted a payment on XX/XX/XXXX from my Huntington bank account, later Huntington charged me monthly fee. The monthly fee was the reason the balance of the account went below XXXX. 

I opted out from overdraft, but was still charged a {$23.00} over drafting fee for that. Also, despite the fact that the payment was made prior to the monthly fee being, the payment was withdrawn by Huntington. 

I closed my Huntington bank account on XX/XX/XXXX given this is the worst banking experience I have ever had, only to find that I was charged a {$5.00} fee for closing the account, which is ridiculous. 

Also, when I opened the account in XXXX, I clearly told the bankers I do NOT want to purchase additional checks. However a transaction was made without notifying me to purchase checks. I also received A LOT of spam calls stating themselves got my information from Huntington, trying to sell me insurance I clearly told the bankers I do not need.
Product: Student loan

Here we go again!!! I am still trying to fix the debacle that is my student loan. I have called and called and called and just get the runaround. I feel like my student loan is a complete and utter fraud and the student loan servicer is running a scam. 

My student loans are a disaster. The government garnished my income tax refund even though I'd been paying on my loans. I was assigned an ombudsman that was able to figure out the level of deceit these companies are willing to go through. The ombudsman discovered my consolidated student loans were unconsolidated and sent to separate servicers without my knowledge or consent. 

In trying to understand what's going on and why my fees are so high I called XXXX   XXXX and they just XXXX with me. I'm going through the exact same thing as before where everyone I talk to sends me to talk to someone else so I'm stuck in this vicious, expensive, circle of XXXX. 

When I talk to them they just say they don't understand what's going on and 'oops, we can't find any of your loan information before XXXX ''!!!!!!!! Ummmmm .... I graduated in XXXX. The way they have it calculated, my approximately $ 50K worth of loans with cost me somewhere around $ 180K. 

So - they can XXXX up my loans, lose my loans, not give me information about my loans, but still charge me interest? They also set me up on some graduated payment which means my $ XXXX/month loan will go up by {$200.00} next year!!!!! XXXX? I am already dying trying to pay $ XXXX/month. How am I possibly going to come up with $ XXXX/month?!!!!! 

This is sheer lunacy and is financial XXXX. I can not believe XXXX XXXX has no responsibility to be able to look at my records and truthfully, tell me my options. 

Servicing has been inconsistent, funds were misappropriately applied, I have been repeatedly lied to, information has been obscured, I have been deceived, my credit has been affected and I feel their behavior has been illegal. 

Someone needs to stop them or sue them like they sued XXXX. 
https : //www.consumerfinance.gov/XXXX Please help me figure this out. This is ridiculous.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I disputed a Cash App transaction for {$85.00}. This was money sent that turned out to be a scam. However, I checked in on XX/XX/XXXX as well as XX/XX/XXXX because I never got any info on the dispute status. Absolutely no action was taken for this dispute on Cashapps end. Then on XX/XX/year>, I disputed a XXXX XXXX charge of XXXX from XX/XX/XXXX that I didnt authorize. I had already canceled my membership with the merchant in XXXX and kept getting charged numerous times for {$27.00} here, {$45.00} there, etc. Once again, I had to check on the status numerous times to ultimately get no resolution. I can never dispute charges with them and its frustrating. Its also frustrating to be forced to chat with support because a lot gets lost in translation over a message.
Product: Credit reporting or other personal consumer reports

XXXX failed to properly investigate disputes about the accuracy of consumer reports XXXX failed to provide adequate notice to consumers about the outcome of their disputes XXXX failed to delete inaccurate information from consumer reports XXXX failed to prevent the reinsertion of previously deleted information XXXX failed to fully convey consumers ' disputes to furnishers 15USC1692G Validation of Debts I Do Not Recognize How this Acct is Recording on My Credit Report??? 
I Don't Recognize the Acct NUMBER?..

I Don't Recognize the Acct STATUS.? ..

I Don't Recognize the HIGH BALANCE?..

Nor Do I Recognize the Late Payments Associated with it?

Everything Reported Here Does Not meet the FCRA..
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN BATTLING A WRONGFUL AMOUNT WITH XXXX XXXX XXXX XXXX. I HAD A VEHICLE THAT WAS CONSIDER A TOTAL LOSS ON XX/XX/XXXX. AT WHICH TIME THE LOAN COMPANY ALONG WITH ANY AFFILIATED PARTIES WHERE INFORMED. I AS LONG AS THE LOAN COMPANY WAITED FOR INSURANCE TO PRODUCE THEIR DECISION AN FORWARD A CHECK TO THE LOAN COMPANY. THIS CHECK WAS NOT PRODUCED TILL XX/XX/XXXX. AT WHICH TIME PRIOR TO THE CHECK BEING PRODUCE MY BALANCE WAS XXXX. AFTER A CHECK OF XXXX WAS PROCCESSED MY REMAINING BALANCE TO PAY UNITED CONSUMER FINANCE WAS XXXX. AN WHICH I OFFERED TO IMMEDIATELY PAY, FOR A REASON UNKNOWN AN NEVER DISCLOSED TO ME DURING A 10 MONTH WAITING PERIOD UNITED CONSUMER AN ITS AFFILIATES DECIDED TO REPORT NEGATIVE ON MY CREDIT REPORT AS WELL AS STATE A OWED BALANCE OF XXXX. I HAVE TRIED NUMEROUS TIMES TO CONTACT THE LOAN COMPANY AS WELL AS CREDIT BUREAU.
Product: Credit reporting or other personal consumer reports

UPON CHECKING MY CONSUMER REPORT, I SEEN A BUNCH OF CREDIT INQUIRIES THAT I DO NOT RECOGNIZE. 

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 late XX/XX/2022 XXXX XXXX XXXX called me saying my auto payment did not go through. Ive been with XXXX for four years and Ive been using auto payment for all my bills every two weeks and Ive never had a late payment missed payment and Ive actually been paying more than my monthly balance every month for two years to make sure that Im ahead of schedule.

When they called me to tell me that my payment didnt go through we then went through a series of phone calls and emails to get my account fixed and the issue was somehow unresolved by both parties but three times they promised to call me back to resolve the issue and three times they did not, and when I finally figured out the problem by myself I made it a completely full payment and then a few days later it was reported that my payment was late.. 

XXXX XXXX XXXX has already agreed to ignore the ding and not dispute it so that it would go in my favor to remove it from my credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$550.00} XXXX XXXX 474438200006****Balance : {$760.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX*Balance : {$10000.00} XXXX XXXXBalance : {$310.00}
Product: Checking or savings account

Bank of America was notified several times that an account for checking and savings was opened in my name without my authorization. Bank of America responded with stating that they sent information on record to a XXXX XXXX XXXX not only is this address fraudulent, I never lived there. Which is what I advised Bank of America. I am not sure where they got address from, but it certainly was not from me. Bank of America did NOT follow the patriot act, and did not verify my identity. Bank of America allowed these account 's to be opened online without my authorization. These account 's they opened are a result of identity theft. True Identity Fraud. I never once received a debit card for these account 's. I did not call in to discuss these accounts. I did not receive any money from these accounts. I did not authorize these account 's to be opened. I did not sign any account opening documents. These were not approved. I am a victim of identity theft, I have never been a customer of Bank of America. Bank of America did not verify my information prior to opening said account 's. Bank of America 's internal employee must have opened these account 's and used these account 's fraudulent with my stolen identification. Which is unacceptable. This has been reported to the FTC. I do not know the account numbers because again, I never received any documentation on these account 's. Bank of America sent documentation to an address not related to me. Bank of America 's Fraud department refuses to honor claims of identity theft when it's true identity fraud. I believe Bank of America is not only violating consumers rights, Bank of America marks said customers in their system as not bankable. EVEN When you did not even open the accounts to begin with I AM A VICTIM of FRAUD. I do not know who opened the account 's but they did so without my permission. This has been reported to the Police.
Product: Credit reporting or other personal consumer reports

Numerous companies have reported credit inquires to XXXX, XXXX and XXXX. These inquiries were NOT authorized by me nor am I aware of who that are. The names of the companies on my Credit Report are : - Credco - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of the Credit Agencies will help me without CFPB or FTC assistance. 

Thank you
Product: Credit card or prepaid card

Card was stolen charges were racked up to the credit limit and then appears to be paid but canceled after already spending the credit again causing the card to be doubled the limit. If I make pmts Im not gon na cancel first off it cost money to cancel a payment.
Product: Mortgage

I asked my loan servicer, Mr. Cooper, to remove the private mortgage insurance ( PMI ) from my loan since my loan-to-value ( LTV ) is currently 79 %. My request was denied because my loan is currently in forbearance due to temporary financial challenges I am experiencing due to COVID-19. My home is valued at {$350000.00} with an outstanding balance of {$270000.00}. This makes the LTV 79 %. My homes LTV and removal of PMI should not be denied because the 79 % LTV happened to occur during a pandemic. As a mortgage holder, I have already paid PMI for the last 13 years on this mortgage and would like it finally removed as the LTV is at the required 79 % PMI protects the lender in the event of default. I have been paying PMI on my mortgage loan since I received the loan in XXXX of XXXX for the past 13 years. I have not defaulted on this loan during the entire nearly decade and a half I have had the loan. Mr. Cooper advised me that the PMI is scheduled to be removed from my loan in XXXX. In XXXX I will have paid PMI for 19 years on the same mortgage. 19 years of PMI is financially exploitative, excessive, and unreasonable by any standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting incorrectly on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This is an unsubstantiated debt and should not be showing on my credit report. This account was removed from my credit report in XX/XX/XXXX and is now re-appearing with a reporting date of XX/XX/XXXX with a different account number. This is an absolute violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report immediately. I have contacted the ( 2 ) bureaus to remove this item however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XXXX my credit union, XXXX XXXX, notified me that they no longer wished to do business with me and that they were closing my accounts. I had a checking, savings, credit card with {$500.00} limit and a line of credit for {$1000.00}. I asked them how i was going to pay my loans off if they were closing access to my online accounts. They said not to worry about it and that they would take of the loans, and they didn't want to have anything to do with me. They made me sign a contract about the loans being paid off by them if I agreed to never seek to do business with them again. They denied me any way to pay off the loans and then 3 years later in XXXX of XXXX they report my loans as being charged off, leaving 2 big red C-Os on my credit file. I contacted XXXX XXXX in XX/XX/XXXX about the problem and asked them to fairly report what happened. They failed to do so instead they moved the charge off date to XX/XX/XXXX. 

XXXX XXXX XXXX is the party that ended the banking relationship with full knowledge that I owed on 2 loans, they denied me access online to pay my loans off. I tried in good faith to pay the debt.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report 2. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late 3. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late 4. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


7. there is some inaccurate information reporting XXXX Account Number : XXXX Delete from my credit report. 


8. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Delete from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

XXXX 's Place switched banks that handle the store credit card from XXXX to Comenity Capital Bank. XXXX offered an autodebit option where as Comenity does not.
Product: Credit card or prepaid card

The problem is with my Banco Popular de Puerto Rico credit cards. Last XX/XX/XXXX, we purchased some windows from XXXX XXXX XXXX in PR for {$10000.00} plus {$2600.00} ( installation cost ). The deposit appeared on the XX/XX/XXXX statement and remaining balance charges appeared for the first time in the XX/XX/XXXX, statement. Even though the company offered 10 years warranty, as soon as they were installed we have noticed that the windows do not open/close properly, some mechanical parts broke, etc. This all happened in the middle of Hurricanes Irma and Maria problems in PR. We did our best to reach the seller and filed a complaint with them but there has been no response. Our last contact with the seller was on XX/XX/XXXX via email, but have not received any response. On XX/XX/XXXX, we filed a complaint with Banco Popular de PR, and today the Bank called to state that my complaint was late and that they were not going to process it. I understand the delay, but the bank should take into consideration that the quality of the purchased products could not be assessed before the windows were installed, that happened in XX/XX/XXXX. The bank should also take into account that the hurricanes were the main cause for the " delayed '' filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was looking over my credit report and saw i had some inquiries on my credit report that i didnt gave permission to run my credit. XXXX on XXXX on XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX on XXXX and XXXX XXXX XXXX on XXXX delete the inquiries immediately. 15 U.S.C. 1681 section 604 A section 2 clearly state consumer reporting agency can not furnish a account without my written instruction.
Product: Mortgage

Hello, I was experiencing financial distress 1 year after acquiring my home through land home financials. I called to request a short term forbearance on my loan but they told me I have to submit it through a process call loss mitigation. I originally submitted the required paperwork in XX/XX/XXXX, they did not accept my application until XX/XX/XXXX, which is when I made my XXXX late payment. I called them several times weekly or every few days to get an update, first I was told it was under review and could take 60 days. It wasnt until XX/XX/XXXX when I got a packet in the mail stating I made them aware that I was able to resume payments and my next payment is due XX/XX/XXXX, my past due balance was pushed at the end of my loan and this was a partial claim. My other option was to short sale my home. Under no circumstances I made anyone aware that I could resume payment. I also have multiple late payments reported to my credit report which is significantly impacting my ability to obtain credit or improve my finances. If forbearance was granted, I have no documentation and if so, I shouldnt have late payments reported to the bureaus. The entire point of reaching out for assistance was to avoid all the negative impacts this could bring upon my family finances. I am a XXXX  mom  with XXXX kids, and struggling to find a second job because of childcare issues. Please help at least with the negative reporting as my account should have been under forbearance for 6 months not under review for 6 months. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and let them know that I have several accounts reporting on my credit that are not mine. The fraudulent accounts are listed as US Depart. of Education/XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. After informing them of this problem there was nothing done to fix the problem.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft VOLVOCARLSE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Mortgage

I am working with Chase on an FHA short sale that has been delayed due to Chase not complying with HUD and FHA short sale rules. Chase is not providing the needed items to HUD for the approval to proceed with the short sale request. I have escalated this issue with Chase internally with no resolution and have also escalated this to HUD. 
Chase needs to comply with HUD 's " pre-foreclosure sale '' procedures - we have an active buyer who is going to terminate if we do n't have any results in the next week or XXXX. 
Please help!