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

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, 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 according to 15 USC 1681 ( e ) ( b ). This did not happen.
Product: Mortgage

We requested mortgage forbearance from PennyMac on XX/XX/XXXX and recieved a notice of acceptance that stated we would not have to pay back the full amount owed at the end of the forbearance and that there would be several options such as defferal, modification etc. We renewed the forbearance for 15 months and requested the final three months ( that according to the cares act we were entitled to ) and that last forebearance was denied. We received a notice that our forbearance was ending XX/XX/XXXX. We called and asked what our options were and PennyMac offered a modification. We filled out the paperwork for the mod on XX/XX/XXXX and were sent a notice on XX/XX/XXXX that we were denied the modification due to not completing our last modification. We call in XXXX and XXXX speaking with different people asking for another way to resume payments and come out of forbearance but were told there is nothing they could do. This was never mentioned in the first or any successive forbearance updates. In XX/XX/XXXX we received a notice of default and intent to accelerate demanding 22 months of payments equaling {$73000.00} by XX/XX/XXXX or risk foreclosure proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attempted to reach out to this company due to them receiving a check from me in attempts to remove an item from my credit report. The checks notations were as labeled, " Negotiation of tender settles debt ". They've responded back stating that they don't approve the check because of " restrictive notations " and they've returned the check to me. I have two screenshots showing that they've actually lied about accepted the money order and never send me the money order back. I've highlighted the response they've given me in my previous complaint and at this point would like the entity deleted off my credit report and I assume there should be no issues when provided documentation. The screenshots are showing on XXXX XXXX that the money was accepted because the balance was {$1.00} lower and provided backup of using the XXXX app and highlighting the discrepancy between the two bureaus of the {$1.00} that was reported. Please remove off my credit report.
Product: Debt collection

I lived in apartments for 3yrs. Always paid rent on time and kept apartment clean. Every 4 to 6 months we had a new manager. I am XXXX yrs old an a good tennant. I could pay my rent on the XXXX with my XXXX XXXX XXXX pension check. They raised rent and the manager let me pay in 2 payments when I got social security check. He didn't charge me late fees. Very kind of him. They new mgr came. She was mean an vicious. She started charging me those late charges. My lease was coming up and iI wasn't renewing. They knew i was moving. I paid everything I owed and ask them to show somewhere that I owed nothing. The apartments I was moving to needed to know that. This was XXXX XXXX. My lease was actually up. So I have copy of ledger page an it says I have XXXX balance. They in XX/XX/XXXX I get letter from rent recovery saying I owe XXXX. No reason or what it was for. So I called an they sent charges to my email. I can't believe this. I did not do any of this. I'm not taking this. I can see clean up. I didn't clean oven or mop floors. I did have a deposit when I moved in XX/XX/XXXX. They no right tovdo this to people. If this doesn't come off my credit I can't get approved for a 1 bedroom apt . my lease is up here XX/XX/XXXX. My son an I share 2 bedroom. I got ta go. But if I don't get this off my credit I won't have anywhere to live. My credit is hurting enough. I use to have XXXX credit score. Bad husband. Please believe in me. People are so bad. How do I send these documents to you. Thank you so much for helping me. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute incorrect personal information on my credit report. The names addresses XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nc,XXXX  do not belong to me. Please investigate these inaccuracies and remove them from my record. 

Enclosed are proof of residence for your reference. I appreciate your prompt attention to this matter.
Product: Student loan

To whom it may concern, I am writing to file a formal complaint against StudentAid.gov for their lack of response and inefficiency in processing my application for Income Driven Repayment. I submitted my application on XX/XX/2014 and to this date, I have not received any updates or responses regarding the status of my application. The website still states that my application is under review, with no further information provided. 

It is unacceptable that it has taken this long for my application to be processed, especially considering the implications it has on my eligibility for the Public Service Loan Forgiveness ( PSLF ) program. If my application had been approved in a timely manner back in XXXX, I would have been able to count the past 10 years towards my PSLF eligibility.

I am requesting that StudentAid.gov expedite the processing of my application and provide me with the years of PSLF that I would have accumulated had my application been processed in a timely manner. I have been eagerly waiting for a resolution to this matter and it is crucial for my financial wellbeing and future planning. 

I expect a prompt response and resolution to this issue. Thank you for your attention to this matter. 

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

XX/XX/XXXX I contacted Union Bank in XXXX notifying them that someone at their bank fraudulently changed my address. Union bank erroneously changed my address when an unverified, unauthorized individual called in on XX/XX/XXXX ( per Union Banks letter dated XX/XX/XXXX to me ) and changed my personal information on my account. I called as soon as I received notification to inform them that they had the incorrect address, but they claim to have no record of my phone call to them. However, curiously, they have a record of the phone call from the unauthorized individual on XX/XX/XXXX. What was their name? How did they verify that person was the account holder? What was the phone number on record for that call? Interestingly, in XXXX XXXX letter dated XX/XX/XXXX, she states that they called my husband on XX/XX/XXXX requesting he call XXXX in Fraud Management. Why? Did Union Bank finally realize they did not verify the person calling them on XX/XX/XXXX and needed to now back track and try to verify the address change with the account holder. 

Union Bank, and in particular XXXX XXXX, refuses to take responsibility for their bank 's error, and correct the information reported to the credit bureaus. This is a follow-up to the original complaint, where I had requested that they correct the address, clean up the credit report, adjust the balance to the correct amount that I owed, and apologize for the intentional financial and emotional stress that they have caused me and my family. Originally, they apologized for their error and promised to take care of ALL of my requests including correcting the credit report. They have finally, in XXXX, corrected our address, adjusted the balance to the correct amount owed, but have taken back the apology refusing to take responsibility for their error, and refuse to correct the information at the credit bureaus. And, last time I contacted the collection company, they still have my incorrect address. I want to pay off the balance to Union Bank and have them correct their mistaken reporting to the credit bureaus. I do not feel that I should have to pay the balance with the credit collection company, since the error was Union Banks and the fact that they still have the incorrect address which I verified with XXXX XXXX at XXXX XXXX at XXXX, today, XX/XX/XXXX at XXXX. 

I was able to obtain some call records showing that I did indeed call the bank to request that they correct their error. 
Here are the records of my calls : Union Bank Fraud Management/XXXX : XXXX XX/XX/XXXX XXXX  XXXX XXXX : XXXX XX/XX/XXXX ( twice XXXX XXXXUnion Bank XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX there were additional calls, but it too costly for me to obtain call records at a cost of $ XXXX, so I only obtained the ranges that reflected the notes in my file. It is quite apparent Union Bank not only made a grave error, but that they dropped the ball on XXXX. 

My request again is that they fulfill their original promises of accepting that they made an error by correct the reporting to the credit bureaus and allow me to pay them off directly. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a bill for {$320.00} dollars and unsure why this was sent to me.
Product: Credit card or prepaid card

Bank of america is debating my account for {$130.00} and {$140.00} so far and might continue to debit my government card up to around {$700.00} because of purchases made by another individual that had used my card on a mobile phone website XXXX. The items were out of malicious acts and l XXXX wasn't responding due to XXXX reguarding stopping the transactions. I moved from the address and am at a different one altogether and am still followed by the same individual XXXX XXXX. 

XXXX is issuing payments and Bank of America is taking out my payments without talking with me and don't believe me!!! 

Please help! I use that money for rent, food and clothes.
Product: Credit card or prepaid card

MY JC PENNY PLATINUM CREDIT ACCOUNT IS CLOSED. I HAVE IN PLACE SINCE THE YEAR XX/XX/XXXX A PAYMENT PLAN TO PAY VIA AUTO PAY. OFF THE BALANCE IN THE AMOUNT OF {$64.00} PER MONTH UNTIL THE BALANCE IS PAID OFF IN FULL. I HAVE NOT USED MY JC PENNY CREDIT CARD FOR AT LEAST THREE YEARS. EVERY MONTH ON THE XXXX VIA AUTO PAY FROM MY XXXX XXXX CHECKING ACCOUNT. THIS MONTH XX/XX/XXXX, THE AMOUNT OF {$190.00} WAST TAKEN OUT OF MY ACCOUNT INSTEAD OF THE USUAL {$64.00}. TO THE BEST OF MY KNOWLEDGE THIS FRAUD. I WROTE JCPENNY /SYNCHRONY BANK A LETTER DATED XX/XX/XXXX STATING THAT MY PAYMENT REMAIN IN PLACE. I HAD TO FILE WITH THE FEDERAL TRADE COMMISSON IDENTITY THEFT FTC # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Medical Data Systems INC. added a derogatory mark on my credit report per XXXX XXXX XXXX XXXX. Upon, further research this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the XXXX Medical Data Systems INC. has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported identity theft and sent letter and forms to credit bureaus and still received no responses or any updates
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, AND XXXX HAS VIOLATED MY RIGHTS. 

* 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

* 15 USC 1681 SECTION 604 A S
ECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 


ALSO I HAVE POINTED OUT TO THE CREDIT BUREAUS THAT THERE WERE INACCURACIES IN THE REPORTINGS. DIFFERENT OPENING DATES, ACCOUNT SHOWING ON JUST ONE BUREAU AND NOT THE OTHERS, DIFF OPENING DATES, DIFFERENT DATE OF LAST PAYMENTS. ALSO I HAVE GAVE THE CREDIT BUREAUS SINCE XX/XX/2022 UP UNTIL NOW TO CORRECT THE INCORRECT REPORTING ALONG WITH THE HIPPA VIOLATION ACT.
Product: Vehicle loan or lease

XXXX XXXX XXXX, Maryland, XXXX Date : XX/XX/XXXX ACIMA Leasing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Account Information Dear ACIMA Leasing Team, I am writing to request detailed information regarding my account with ACIMA Leasing. The account in question is listed under the account number XXXX and was opened on XX/XX/XXXX. 

Specifically, I would appreciate it if you could provide the following details : 1. The date of first delinquency for the account.

2. The date of the last payment made on the account.

3. The date of the charge-off. 



This information is necessary for my personal records and to ensure the accuracy of my credit file. If further details or verifications are required to process this request, please do not hesitate to reach out to me using the contact information provided above. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Commerce Bank was offering {$200.00} to open a checking account. I have opened the account twice, and the account was subsequently closed with no explanation before paying the bonus. The company is intentionally misleading potential customers, into opening accounts, and then once they open the account, are closing accounts before the bonus is due if the customer does not open a credit card or take out a mortgage, or use any other products that are more profitable to the bank. 

Additionally, anyone who has opened an account with the bank in the last few years with a bonus offer should receive a mailer from the company or the CFPB alerting them to these practices. The company should be forced to pay what was promised, including lost interest to the victims, and should also be subject to a punitive fine payable to the CFPB or perhaps a different customer watchdog to send a message to Commerce Bank and any other bank that these type of abusive practices will not be tolerated in the future.
Product: Credit card or prepaid card

CitiBank app notified me that there were multiple fraud charges on my account on XX/XX/XXXX. I locked the card, and they sent me a new one immediately. The fradulent charges were removed from my card/transactions and I was told they would review my account for any further charges. I checked my account again on XX/XX/XXXX and the charges were placed BACK on my card and were no longer marked as under investigation. The security credits were removed. I disputed the charges for a 2nd and 3rd time and also called CitiBank again. I was informed that the charges were still under review, but the security credits were taken away and that the charges would remain on my card/account until at least XX/XX/XXXX. I do expect and appreciate the investigation to be performed, but those charges should not be on my account without a security credit, as this will affect my statements, interest, etc. When I called on XX/XX/XXXX, the agent I spoke with claimed my issue didn't start until XX/XX/XXXX, despite CitiBank being the ones to send me a notification and alert me of the fraud in the first place. Some charges were before XX/XX/XXXX, but I was not notified until that day. I am also trying to improve my score and apply for another card, but I was denied an application due to this fraud issue that CitiBank is failing to resolve.
Product: Credit card or prepaid card

I have a VISA with CitiCard which I am trying to pay off and haven't used in many years. I received in the mail a Citi Mastercard with a different account number on it with instructions to activate my new MasterCard. 

I visited the CitiCard website to discover that my outstanding balance which at the end of my last pay cycle was $ XXXX was now $ XXXX. This $ XXXX increase in my outstanding balance was reflected in the fact that the balance reflected the $ XXXX on my Visa and an additional $ XXXX outstanding on my " new '' Mastercard. 

I called CitiCard and was told that this reflected a " transition '' that CitiCard is making form VISA to Mastercard. I inquired why my account showed an increase of over {$10000.00} and was told several reasons none of which made any sense to me. First I was told that when I activated the MasterCard the balance would return to {$10000.00} with the additional money reflecting the interest charged during the last month. 

I asked if I didn't activate the Mastercard, would the balance ever return to {$10000.00}. I was told " no '' then " yes '' and finally they said that on my XXXX statement my balance would be at the $ XXXX level. 

My concerns are : 1. Is it legal to open a card in my name without my consent? 
2. Is this " new '' MasterCard obligated to follow the contractual obligations of the VISA ( i.e. can they now increase my interest rate even though I have never missed a payment, etc.? ) 3. For what amount of time did I pay interest on $ XXXX instead of the {$10000.00} + balance I really owe? 

None of these questions were answered to my satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ), Account : XXXX Reason XXXX Delete this unverified and inaccurate account
Product: Credit reporting

I 'm a former credit card holder with US Bank. I closed my account in XXXX XXXX when I moved out of California, but an unauthorized fraudulent charge was posted on the card in XXXX. Since US Bank had no forwarding address for me, they let the fraud charge stay on the account and added late fees on top of the charge. They finally tracked me down in XXXX XXXX with a notice to submit the charge to a collections agency. I called their Fraud department and opened an investigation into the charge. They finally resolved the dispute acknowledging that the charge and the associated late fees were not my responsibility. They closed the account with a zero balance. 

But my credit reports from all XXXX bureaus are still showing six months of late charges, completely trashing my credit score. I 've been calling US Bank card holder services, the Fraud department, the Collections department and their regular customer service and nobody is interested in helping me resolve the issue. Every time, I get transferred to XXXX or XXXX agents who finally hang up on me. This is the worst possible customer service ever possible and I have no recourse to fix these late-payment items that are not even my fault. I 'm hiring a credit repair agency to dispute these charges but I want others to know how bad this bank can treat you.
Product: Credit reporting or other personal consumer reports

I just recently Looked at My Credit Report and XXXX XXXX XX/XX/XXXX. I saw some hard inquires that did not have permissible purpose. I also attached evidence XXXX. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiry has no permission purpose to be on my credit report. Delete this inquiry due to Violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to repeated times trying get discover card services, XXXX XXXX  removed form credit report in requesting it be deleted those account are result of fraud and I will not pay them off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH BEHAVIOR AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION AND WOULD BE ABLE TO OBTAIN THESE ACCOUNTS. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME.
Product: Payday loan, title loan, or personal loan

I received a " pre-approved '' letter from Advance Financial 24/7. The letter stated I was " pre-approved for a loan of {$4000.00}. '' I completed the paperwork and provided the requested documents, but they said I would have to wait a few day sfor it to be processed. Only to get an email within the next hour, to say my application was denied! I tired to email them ( at XXXXXXXXXXXX ) & call them XXXX at XXXX ), but NEVER recived a reply, response, or was never able to speak to someone!
Product: Credit reporting or other personal consumer reports

Hello, I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. These inquiries were made without my consent and are the result of identity theft. 

The specific inquiries I am disputing are : Destiny : Inquiry Date : XX/XX/XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXXXX/XX/XXXX: Inquiry Date : XX/XX/XXXX I did not apply for credit with these companies, nor did I authorize these inquiries. Therefore, I am requesting that these inquiries be removed from my credit report immediately. 



Please investigate this matter and remove these inquiries from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I expect to receive a response to my dispute within 30 days. 

Sincerely, XXXX XXXX