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

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had fixed. Due to CREDIT BUREAUS ' lack of response, which I classify as frivolous, they have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them one more chance to correct their errors and FIX my records. Please FIX the following accounts, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. They have 30 days to VALIDATE the accounts listed below : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX* Balance Owed : {$15.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Evaluate this reporting by revising the information provided.
Product: Credit card or prepaid card

I received a an application to apply for a credit card 0 % APR * ( defined by the fine print : * The 0 % APR applies to balance transfers made within 60 days of account opening and for 20 months from opening the account. A balance transfer fee of 3 % of each transfered amount will apply ). After completing the arithmetical calculations it turns out the APR is 1.8 % not 0 % So right there the US bank exposes itself as fraudulent because when you charge a fee the APR cis not XXXX. I contacted US bank and they keep repeating the same line, even though their website explains the difference between interest rate and APR ver cleary. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting an Investigation into the practice of Credit Unions originating loans and not disclosing to consumers they had the right on to report said loans to credit bureaus during the life of said loan. 
I took out an ( 5 ) five years auto and personal loan with XXXX XXXX XXXX XXXX in XXXX, both of these loans were being reported to all three major credit bureaus impacting my credit scores and ability to obtain financing. 
On or around XX/XX/XXXX, I pulled copies of the credit reports and noticed XXXX XXXX not only stop reporting said loans but also deleted the history of loan with XXXX and TransUnion credit bureaus effective lowering my debit to credit ratio and lowering my credit score. 
When confronted with this issue XXXX issued the following statement You state that the credit union stopped reporting on your loans to all three major credit bureaus as a retaliatory measure. Our response : The Credit Union made a business decision to stop reporting credit history to XXXX and TransUnion effective XX/XX/XXXX for all of our members due to a variety of reasons. XXXX XXXX now only reports loan status and history information to XXXX, which has been our primary credit bureau. Hence, this was not isolated to you but rather was a change across our entire membership. Furthermore, creditors are not required to report to any of the credit bureaus. Lenders may choose to report loan data to one, two, or all three major. 

XXXX never disclosed prior to acceptance of loan nor after the decision was made to stop reporting credit history to XXXX and TransUnion in XX/XX/XXXX, I did not find out this lender had the ability pick and chose to report said loan and if this was made clear and reveal prior to taking out the loans I would have never done business with a company that intentionally would set-out to destroy credit scores over the life of the loan. 
We have several problem credit unions are not being regulated, the so called independent federal agency which has oversight over credit union are not providing protection or properly investigation consumer complaints against credit union.
Product: Credit card or prepaid card

I was told I would receive a retention offer of {$300.00} after spending {$3000.00} on my American express XXXX card if I renewed the card. However after meeting the spending requirement and asking when I would receive the credit, a representative months later told me I did not meet the requirements. Then when I asked if I could receive a refund for the annual fee I was told I could not even though the only reason I kept the card was due to the retention offer they presented.
Product: Mortgage

Loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX We are behind on our mortgage payment because the high payment from new modification we were forced to except last year by Fay servicing to avoid losing our home and this problem its going since XXXX With Fay its a long story with couple different attorneys. 
So we received a demand letter from Fay to pay XXXX to cure our mortgage account and we got the money together try to pay but Fay blocked us on line and phone from making the payments and we only have till the XX/XX/XXXX to pay. 
Finally about the last week of the month of XXXX I was able to speak to My Account Manager and she make me email her a letter from each attorney I had in the past that Im not longer represented by the Even bankruptcy attorney from last year, which is was dismissed and done. By XX/XX/XXXX she got everything she needs and she still wont take my payment over the phone and I called on XX/XX/XXXX and she said no the balance is higher now I said how todays is XX/XX/XXXX it the last day for us to pay or we will lose our house and my account manager didnt care she said she had to get the new balance. 
XXXX we received certify mail from them telling us they trying to reach us for a long time by phone and mail, and was no success to talk to us witch is not true because I was calling every day. And today XXXX I called my account manager and she said now your balance is XXXX because of fees was added to my accounts XXXX fees??????? 
Now I have to file bankruptcy chapter XXXX this week to prevent losing our home. 
I have proof with all the phone calls and documents I received and I contacted local channel news to do investigation on our situation because its been going for a long time since XXXX it was just a small issue back in XXXX. Also we applied for modification and help until now. We havent got an answer of denial letter in the mail or email him now.
Product: Credit card or prepaid card

I was charged {$850.00} on XX/XX/2022. I used my card to open a tab at a bar in XXXX, SC. I was charged the {$850.00} by the business and disputed the charge with Chase two days later after. I did not initially notice the charge, someone charged my card the extra {$850.00}. I told Chase the charge was fraud and they decline my fraud claim a few weeks later. I called Chase and they said it is a separate issue since I used my card after the charge was made. I did this because I did not know the charge was even made on my card until I reviewed my credit card statement. Chase is not refunding me for a fraudulent charge. Chase issued me a new card after I flagged that charge as fraudulent.
Product: Debt collection

I have paid even though they keep calling, I think this is a scam.
Product: Credit reporting

There are several accounts on my credit report that have been deleted and are still showing on my report. Also, I supporting document that XXXX account has been completely paid off and should have never appeared on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Factual data and /XXXX XXXX XXXX pulled my credit twice with out my permission, they pulled it on XX/XX/2019 and then pulled it again on XX/XX/2019 which should have no affect on my credit score, factual data and XXXX   XXXX XXXX came back with a false reading they stated my XXXX was at a XXXX and my XXXX  was at XXXX and my XXXX  came back as a XXXX, which is a big discrepancy, as of XX/XX/2019 XXXX XXXX stated my XXXX  is XXXX and my XXXX  is XXXX and my XXXX  XXXX XXXX. I want factual data to remove the hard inquiry on XX/XX/2019, and XXXX XXXX I Okayed XX/XX/2019 but not the XX/XX/2019, they was to look at my credit report for positive changes. and to be honest when they pulled my credit on XX/XX/2019 it was a big descrepency from what XXXX XXXX was reporting as well, this is not right, this is not just, this is poor lending practices, again factual data and XXXX XXXX XXXX is not reporting credit score correctly
Product: Debt or credit management

My Name is XXXX XXXX Im contacting you all because of the Lexington law class action lawsuit I need to do a change of address my old address was XXXX XXXX XXXX XXXX XXXX Alabama XXXX when I was paying Lexington law for they service Im sending my new address because I moved a few yrs ago I may be eligible for a class action lawsuit check my new address is XXXX XXXX XXXX, XXXX, XXXX AL XXXX if there are any more questions I can be reached at XXXX XXXX XXXX & thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX Never XXXXnformed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Regions Bank Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Other statutes are 15 USC 1681a 2 ( A ) ( i ) subject to 1681s-3 The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) Regions Bank making the report is NOT INCLUDED on my credit report. 

A late payment is a transactional history ; my history with your company. Congress clearly states that the reporting of transactions or experiences between the consumer ( ME ) and the person ( YOU/Regions Bank ) making the report is NOT INCLUDED on the consumer report. 

Regions Bank has violated the FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience on my consumer credit report which Congress clearly states IS NOT included on my consumer reports.
Product: Checking or savings account

I have bank accounts with Wells Fargo Bank dating before 2011 to the present as an individual and with my children. I experienced account closures, overdraft fees, transaction fees, and access fees related to state inquiries that were not fairly resolved as part of the bank 's practices and my individual complaints. My complaint this time is a settlement announcement was recently published ( https : XXXX ) that was dated years ago according to a WF Bank representative contacted at XXXX. According to the bank representative, customers affected were notified years ago and the article was published today is misleading. I'm fed up with account fees and penalties created by the banks predatory practices that regulators are ineffective too control with their authority to influence better banking practices.
Product: Debt collection

I have disputed the Online Information Service Company asking for VALIDATION not verification. I've followed up with this collection agency with 3 verification letters on XX/XX/18, XX/XX/18, XX/XX/18. THEY HAVE YET SENT ME THE ORIGINAL INSTRUMENTS OF INDEBTEDNESS IN ITS ORIGINAL FORM, instead they keep sending me a bill and keep overlooking are ignoring my request to confirm it. I have also sent three rounds of letters to dispute the account information at as inaccurate with all three disputes the credit bureaus kept stating that the collection has been verified and is accurate this debt. How is that possible? Under the law of the FDCPA, I have contacted the collection agent and the orignal clients myself and has been unable to get them to verify that this is indeed my debt or yet has since sent me the original instruments of indebtedness in its original form. I've also demand the credit bureau to investigate properly rather than using XXXX 's system. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau are required by federal law to verify through the physical verification of the orignal signed consumer contract- any and all accounts posted on a credit report.
Product: Debt collection

On XX/XX/2018 I contacted XXXX XXXX XXXX in reference to my account.

The woman told me I also have 2 other accounts and would I like to set up a payment plan for these. I explained that I am on a fixed income and only receive my XXXX  check. She tells me should would work with me, They would need to take {$1.00} out of my checking account for each of the 2 accounts which I agreed too. Then on the XXXX  of every month starting in XX/XX/XXXXthey would continue to take {$25.00} out for each account. Which I agreed. She was mentioning about XXXX I told again only XXXX as this is all I can afford She then said on my other account I owed XXXX which again I told her I again pay XXXX  a month. She kept talking all these numbers and finally I said As long as it is XXXX a month per account. I checked my bank statement on the XXXX of the month and I saw I was charged XXXX   on one account and XXXX on another leaving me with a -XXXX   balance. I called them and told them about this and was told I agreed to this amount. I know I didn't as I don't have that type of money Now I had to put a freeze on my checking account as the bank didn't cash the XXXX so it was returned and freezing it would not let them try to cash it again. As for the XXXX I imagine I am stuck paying that but my bank will credit me any overdraft fees. Now I have to go and open another checking account so that Midland Credit does not have my backing information and continue to deduct any more checks.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of THESE ACCOUNTS : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX AMOUNT : {$2200.00} DATE OPENED : XX/XX/XXXX TYPE : CREDIT CARD Pursuant to 605C of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other information related thereto ) within four business days ( see 12 CFR 1022.142 ( e ) ( 1 ) ). In addition, please send me notification of the action taken pursuant to this request within four business days ( see 12 CFR 1022.142 ( f ) ). 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX past due as of XX/XX/XXXX ( THIS IS NOT MY DEBT ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1800.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Payment summary not showing XXXX XXXX XXXX : Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$1200.00} past due as of XXXX XXXX XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$620.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$260.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXXXXXX XXXX
Product: Mortgage

This is a follow-on to CFPB complaint # XXXX, dated XX/XX/XXXX associated with PNC Mortgage Company and PMI payments which should have been cancelled automatically. 

This complaint has been closed by the CFPB and PNC Bank has sent me a computer generated letter, dated XX/XX/XXXX, stating that I am no longer required to carry Private Mortgage Insurance ( PMI ), which I appreciate. However, they did not address my proposed and fair remedy to the problem and that is why I have created this new complaint. 

As previously stated in my correspondence and agreed by PNC, I started communicating with PNC in XX/XX/XXXX, regarding the removal of PMI on my loan. Based on PNC 's PMI removal requirements, my loan principle balance was below 78 % with the XX/XX/XXXX payment. Based on my original loan PMI documentation, PMI should have been automatically stopped at this time. It was not. 

On XX/XX/XXXX, I again wrote PNC, requesting deletion of PMI. They either did not read all information that I submitted or chose to ignore it and again sent me computer generated information on PMI. My complaint to CFPB regarding this was submitted on XX/XX/XXXX. In the CFPB complaint I proposed that PMI be terminated effective with the XX/XX/XXXX payment, which I thought was more than fair based on my communications and evidence. I did not request an effective date of XX/XX/XXXX, which legally, I should have been entitled to. In PNCs response to me and analysis of escrow account, the effective date would be XX/XX/XXXX. In addition, for XX/XX/XXXX, they charged me double for PMI ( MIP ) : {$86.00} versus {$43.00}. I received a refund of {$10.00} from XXXX, PNC 's partially owned PMI company. 

It was not my fault that the PMI document was originally written incorrectly and I did everything I could to resolve this issue in a timely manner. Based on the timeline of my communications regarding this and the PMI documentation, I was being more than fair by requesting a PMI termination date of XX/XX/XXXX instead of XX/XX/XXXX. Instead, they have taken an additional {$110.00} PMI ( MIP ) ( {$43.00} for XXXX plus {$86.00} for XXXX and minus {$10.00} refund check ) from my account. I request that I be refunded the {$110.00} overcharge or provided with detailed correspondence which clearly explains why I have been charged PMI for XX/XX/XXXX and double PMI for XX/XX/XXXX.
Product: Student loan

MOHELA- My student loans were issued and managed under circumstances that violate federal laws and regulations, and I am formally requesting their full cancellation. As a full-time student, my loans should have remained in deferment per 20 U.S.C. 1087e ( f ). However, my servicer falsely took these loans out of deferment, violating my rights under federal law. The reported amounts, dates, and statuses are also inaccurate and misleading, compounding the harm caused by their improper management. 

Furthermore, I was misled by representatives who provided contradictory information regarding the terms and use of these loans. I was explicitly told that these loans would support my education and related expenses, but their terms prohibit such use. This constitutes a clear case of misrepresentation, violating the Truth in Lending Act ( 15 U.S.C. 1638 ) and Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) standards. 

The loan terms are also predatory and unconscionable. The excessive interest rates and fees are designed to trap borrowers in perpetual debt. These practices, combined with the servicers failure to comply with federal deferment requirements, have caused me significant financial and emotional hardship. 

I demand the immediate cancellation of these loans and removal of all negative information from my credit report. If my request is not honored, I will escalate this matter to the Department of Education, Consumer Financial Protection Bureau, and any other relevant regulatory agencies for further investigation and enforcement.
Product: Debt collection

This company calls be so many times a day demanding payment. They always start by saying call is being recorded. When I finally asked them to remove this per this month 's regulations to remove medical debt from credit report, they got upset and transferred me to a supervisor. When I told them I too was recording the call per other threats they've made to me, they refused to be recorded and said we would be ending the call. To which I responded " there is no call without it being recorded for my safety on my end as well ''. The all ended and they refuse to remove it from all of the credit agencies.