23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I took out a loan on my XXXX through PNC bank. When I left employment with PNC on XX/XX/XXXX, I was given a letter with instructions to pay off the remaining balance with a due date of XX/XX/XXXX. There was not an ability to repay the XXXX loan via electronic transfer of funds, and the form had instructions to follow ( attached ). 
Following the instructions, I remitted a Cashier 's Check drawn on a PNC bank with PNC INcentive savings plan as the payee in the amount of {$28000.00}. The official check number on XX/XX/XXXX. I then sent the check with the documentation via USPS tracking #. The tracking numbers indicate that my check and its contents were delivered on XX/XX/XXXX. This was two weeks in advance of the XX/XX/XXXX due date. 

I contacted PNC on XXXX and on XXXX as the online account was not reflecting repayment of the loan. I was advised on XXXX that the item was received and an image was present on the account, and that the payoff would take a few days to clear, which seemed reasonable. 

I contacted PNC again on XXXX and was told a different story. This time i was told that they only process the check on the due date on XX/XX/XXXX, and that it would not post early. 

I contacted PNC again on XX/XX/XXXX and was told that it could take up to a week to reflect on the account. 

I contacted PNC again on XX/XX/XXXX because I received a notice of loan foreclosure for non-payment as well as notification that the IRS would be receiving a 1099R for the amount of the loan default. I was advised a different story again- i was not given a number to call them back directly. I spoke with a supervisor XXXX ( no last name given, no direct call back number given when asked ), who advised that he could see the funds received but it was never reviewed and therefore funds not posted. He promised me resoltion. 

I contacted PNC today XX/XX/XXXX and no activity other than a case # has been taken on my account. This is beyond the pale. PNC has had my loan repayment for 30 days, has not processed it, and this is costing me lost earnings on my money, but more importantly potential tax liability issues with the federal government. PNC has a duty to process my funds timely. 

I have photographs and copies of all documentation and tracking num
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



Closed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate items on my credit report. I have been disputing these items since early XXXX with no success. These items could not be verified or validated by the creditors. Previous CFPB complaints were closed without the removals made or documentation supporting the items remaining on my credit file. On XX/XX/XXXX, my attorney, XXXX XXXX, XXXX. with XXXX XXXX XXXX XXXX XXXX, submitted a letter for the removal of these incorrect items ( attached ). No response from Equifax. A follow-up letter was submitted on XX/XX/XXXX. 

The incorrect items are : XXXX XXXX XXXX ( 3 prior CFPB complaints filed for Equifax attached ) Account Number XXXX Account Opened : XX/XX/XXXX Account Charged Off. 

XXXX XXXX ( 3 prior CFPB complaints filed for Equifax attached ) Account Opened XX/XX/XXXX Account Closed. 

XXXX XXXX ( 2 prior CFPB complaints filed for Equifax attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off XXXX BANK ( 2 prior CFPB complaints filed for Equifax attached ) Account Number : XXXX Account Opened : XX/XX/XXXX Account Charged Off I am requesting that Equifax remove these 4 incorrect items from my credit fil per the FCRA.
Product: Mortgage

We sent in a package for the borrower on XXXX/XXXX/2015 to be reviewed for all modification options, XXXX, in-house, etc. Apparently, on XXXX/XXXX/2015, the borrower received an offer for a streamline trial modification with payments that were 49 % of the borrower 's gross monthly income. I, the Housing Counselor, was told that the borrower needed to accept or deny the offer, and would IN THE MEANTIME be reviewed for other options since they had the application on file. The borrower " failed '' the trial mod., because she chose to, and did n't make a payment, with the understanding that she was being reviewed for a more affordable option. I spoke to XXXX XXXX at Seterus, Inc. on XXXX/XXXX/2015 who said the application was received on XXXX/XXXX/2015 and they expected a decision to be made withing 30 days because file was UNDER REVIEW for XXXX and nothing was needed at this time. I was told on XXXX/XXXX/2015 that they had requested a reinstatement letter and no paperwork was needed and that they were waiting for approval. They told me to check back in in a week. I called today and spoke to a XXXX XXXX. He said that they show that no modification was being reviewed for currently and that the client failed the trial mod. YES, the client failed the mod. because she CHOSE to. It was UNAFFORDABLE. He said that he did see a package for XXXX, but it was n't being reviewed, and that I should call back in a week while they " update their screens '' and start to review the file. As far as we knew, the file was complete and being reviewed for XXXX. Also, there is NO single point of contact at Seterus, Inc. You call and speak to a different person each time and there has been no single person communicating with the borrower or working on the file, at least that we have been made aware of.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

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

To Whom This May Concern, Since XXXX I have sent XXXX affidavits to Experian Credit Bureau disputing the inaccuracy of my Credit Report. Yet they have fail to update my personal information and delete any obsolete telephone numbers, addresses, and name variations.
Product: Credit card or prepaid card

I had put my card payments on hold during covid. The guy I spoke with at capital one advised me I could put them on hold for 90 days. So 90 days goes by then capital one sends me to credit bureau as late so then became my word against the guy I spoke to on the phone who advised me I had 90 days.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and completeness of the balance associated with the account XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/year> I believe the reported balance is incorrect, and this discrepancy needs to be addressed immediately. Under 15 U.S.C. 1681s-2 ( b ) ( E ), furnishers of information are required to conduct a reasonable investigation when a dispute is made regarding the accuracy of information on a consumer report. In the case of XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX, it was emphasized that verification of disputed information must be supported by comprehensive and accurate account-level documentation. Furthermore, 12 C.F.R. 226.25 ( a ) stipulates that such documentation should detail all transactions related to the account in question.

Given these legal responsibilities, I request the following : 1. A thorough investigation regarding the accuracy of the reported balance associated with the account. 
XXXX. The provision of complete account-level documentation that verifies the accurate balance in accordance with the XXXX case and applicable regulations. 

If your agency can not verify the accuracy of the information with appropriate proof of verification, I expect that the account will be deleted from my credit report immediately, in compliance with the FCRA. 

Please send me written confirmation of your findings and any corrections made within the required timeframe. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Is reporting an unverified bankruptcy on my credit report and I have no knowledge of this public record. I have disputed it with XXXX and the 3 credit  bureaus and it came back verified. I wrote a dispute letter to XXXX and I never received a response back from them. Under the FCRA section 609 any unverifiable account or tradeline has to be deleted from the consumer 's credit report. Where are the documents that your company used to verify that you are reporting this alleged public record accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Official Identity Theft and Fraud Report that was filed with the FTC, was mailed along with a notarized copy of my Identity and Victim statement of the Fraud. The Identity and Theft Fraud Report was received and signed via Certified Mail # XXXX on XX/XX/2020, then again a second time via Certified Mail # XXXX signed and delivered on XX/XX/2020. 

This certified mailing included An Official Identity Theft Report, a sworn Legal Affidavit, a sworn notarized statement of all the fraudulent accounts, as well as a Sworn notarized statement of my identity. Transunion is in violation of FCRA Section 605B ( A ) for the failure to block and suppress the Fraudulent Accounts from XXXX/XXXX and XXXX XXXX ( x2 ). Pay close attention These Fraudulent accounts are also included on a notarized victim of fraud statement. The letters and theft report clearly identifies and state all the fraudulent accounts. With that being said, Transunion is also in violation of Section 623 & Section 611 ( A ) ( 1 ) of the FCRA as well as violations of the Section 611 ( A ) ( 5 ) ( B ) ( ii ) for failure in notifying me prior to reinserting fraudulent accounts that were previously deleted on two different occassion. 

Legal action will be filed in a Court of Law. Transunion must immediately delete the identifiable fraudulent accounts highlighted in yellow upon immediately receiving this complaint or Transunions Registered Agent will be served with a notice of Legal Process in 3 days from now
Product: Credit reporting or other personal consumer reports

I am writing to complaint to MIDLAND CREDIT MANAGEM about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, AL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report incorrect information listed on the account XXXX XXXX Account # XXXX. There are several late payments listed that are different from each consumer agency. Neither consumer agency provided evidence that supports their claim and I do not care who is right and who is wrong I do know reasonable efforts must be made to investigate the accuracy of all information. 

XXXX is reporting late payments for XX/XX/XXXX and XXXX + XX/XX/XXXX Experian is reporting late payment for XX/XX/XXXX through XXXX to XXXX of XXXX XXXX is reporting late payments for XX/XX/XXXX and XXXX + XX/XX/XXXX. 

This account can not report this way and each consumer agency failed to provide accuracy which has caused me harm. I would like the evidence that they obtained to prove this information is correct. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX and I am the one generating this statement. Per 15 US Code 1681-2 ( a ) ( a ) & 1 ( a ) ( c ) and 15 US Code 1681-B of the FCRA, the accounts listed in this report should not be presented on my consumer reports as they violate my rights as a federally protected consumer According to the codes listed above, the summarize that it is non-permissible for a credit reporting agency to report anything under any circumstances, without my written consent and contractual agreement. No consent constitutes identity theft. I am exercising my rights and demanding immediate removal and deletion of the listed accounts immediately. Additional Unauthorized Inquires : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Opened an account with Citi bank on XX/XX/XXXX with an offer of receiving {$400.00} ( Promotion number XXXX ) within XXXX months of opening account opening. Spoke with Citi several times during XXXX and they advised me that I should wait, but I definitely should expect the money within days. I was sent a document from Citi on XX/XX/XXXX that I need to fill up a XXXX document and should expect my money right after. I mailed the letter, then I called Citi to confirm its receipt, they acknowledged that they received it, everything is fine, and that I should expect the money in my account soon. In XX/XX/XXXX I was sent the exact same document ( attached ) telling me that I need to fill a XXXX and mail it to them even though they already have it. 

It is worth mentioning that I am an international  XXXX from a tax free country ( XXXX ) and do not have an SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus were not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Product: Debt collection

In XX/XX/XXXX I opened an account with HCS Loans at XXXX. XXXX XXXX XXXX, NC XXXX. Everyone was great, made payments no problem. When Covid 19 happened in XX/XX/XXXX HCS Loans granted me a nonpayment without penalty for three months. Sometime in those three months HCS Loans either filed bankrupt or changed their name to Ally Lending. Ally Lending ( previously HCS ) notified me the payment deferral program the account was ending however, I did not sign any contracts with Ally Lending. Ally Lending ( previously HCS ) informed me documentation was not processed correctly from HCS. I would also state without my permission. Ally Lending constantly informs me of the wrong balance & has not submitted a new contract to me. They are not helpful & are becoming harassing on a loan I did not sign with them. 


Ally Lending is not honoring their COVID 19 relief by demanding account be brought up to date by XX/XX/XXXX ... The promotional end date was adjusted to XX/XX/XXXX. In order to continue to qualify for the promotion, you were required to bring the account current with a minimum payment amount of {$310.00} by XX/XX/XXXX defeating the purpose of the COVID XXXX RELIEF. 

Payments will no longer be made on this account until this Financial Institution shows THE PAY OFF AMOUNT OF {$300.00} on the statements which is required by law .... 

The payoff amount on this account is {$300.00}. Should they choose to not honor the Extended promotional date of XX/XX/XXXX, they can change the name of the company again. The pay off amount was always shown on HCS statements & every other account I have ever held.
Product: Payday loan, title loan, or personal loan

Tree days ago on XX/XX/XXXX, I notice a change in my credit score. It when down about 30 points due to a new account posted with 120 days past due payment. The company is FCC Finance after I call them, I found out that FCC Finance just acquired a loan company by the name of XXXX XXXX. I did have a loan with XXXX XXXX back in XXXX. It was my understanding that my loan with XXXX XXXX was fully paid after I completed all payments. After that, I move to Florida and never hear anything from XXXX XXXX. In 6 years XXXX XXXX never showed up on my credit report or reported a collection on by behave. Now, this company FCC Finance ruined my credit for a fee that apparently I did not pay, a fee of {$180.00}. Because of this {$180.00} we are going to lose our house. You see, we are about a month away from the closing date on our mortgage they are currently building our house here in XXXX Florida, and with this late payment posted by FCC Finance, my loan officer told me we have very little change in getting the house and we will lose all the money we already paid. I begged FCC Finance to remove that late payment form my record, I explain I did not new about the {$180.00}, but they did not care they even got angry and annoyed at me. And then I ask why no one try to contact me before they posted this on my credit report. They said they try to send an email and when I ask what day they could not give a straight answer. You see there is no way I will put in jeopardy my family 's future for {$180.00} if I knew I owe this money I will have paid it 6 years ago. 

I did pay the {$180.00} the same day I contacted FCC Finance despite the anger and powerlessness I felt and still feel. I am very desperate and disappointed on how this company behaved towards me and how much I will lose for a XXXX year old late fee that no one had the dignity of trying to contact me before posting this on my credit report. I am not a law expert but I am counting on you to help in any way you can. This type of behavior forms a company is not right in any way. 

FCC Finance is from Texas but in the web site below they also do business in Florida and since I am a Florida resident I ask for your help. 
URL : https : //www.fccfinance.com/
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  Account Number:XXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Number:XXXX has violated my rights. Or a 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: Credit reporting, credit repair services, or other personal consumer reports

They have reported my credit payments in correct time even so they have lowered my credit score without evidence and the score is incorrect