23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have had multiple servicing issues with MB Financial, mostly with payment submission. 
Issues that I have experienced include : 1. Website availability - I have made multiple attempts to make payments, but received errors due to website not working. This has caused multiple sign-on attempts. I do n't understand why the website would not be available during payment due date times ( seems like a way to maximize late payment fees ) 2. Customer Service Wait Times - When I have had payment acceptance issues ( not my fault ), I would call customer service to make the payment. Wait times have normally exceeded 30 - 45 minutes to talk to a customer service representative. 
3. XXXX XXXX XXXX - I have had to have my user name re-issued multiple times. This has been caused by system changes and servicer conversions. This has caused payment submission issues. The difficulty in getting my user name took multiple website attempts and calls to customer service. 
4. Account Information Validation and Saving - It is common place in today 's payment acceptance world to both save account information to submit payments and have a recurring option to submit payments. MB Financial has neither. Also, when I have submitted account information, they have no validation to insure account information is entered correctly. 
5. Bankruptcy Declaration Letters - For each payment I have submitted, I have received information regarding bankruptcy rights and collection of delinquent accounts. I am neither in Bankruptcy ( or have ever filed Bankruptcy ) or delinquent on my account. This has caused a high level of anxiety that they are incorrectly reporting my loan status and treating me as a Bankruptcy account. 
6. Incorrect Account Information - MB Financial 's systems have provided incorrect information multiple times. I have used their automated system which has provided inconsistent information with their website. Additionally, I have tried to provide account information on the automated systems and they are unable to authenticate my account. I do not have confidence in their ability to manage my account and the financial transactions I complete. 


This servicer has been very unprofessional and needs to improve its processes and procedures to meet basic customer needs. They are definitely operating on a shoe-string budget as evidenced in their technology and customer service. Hopefully they will improve as many other customers in good standing are being treated in an unfair manner and we are paying for this company to service our loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some of the information on my credit report was erroneous, which I discovered when I examined it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) impose a verification requirement on the three credit bureaus ( A ). It is not allowed to declare these items to be unreliable information within the legally allowed time range without providing any justification. Because of erroneous reporting in my file, my credit report indicates that the following problems need to be investigated and fixed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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.

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Money transfer, virtual currency, or money service

PNC bank can not let me link my account with XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my personal information was used to obtain student loans and i had no knowlege my personal information was lost before however i did know unti last year that some one had been using my identity and its been crazy trying to proove im who i say i am ever since i need help getting these 4 accounts  removed from my credit reports
Product: Money transfer, virtual currency, or money service

Didnt receive money when cashing out I complained never got my money
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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: Debt collection

I have a XXXX  account I disputed several accounts that it says I owe I asked for original contracts that I signed for the debt, They were then removed from XXXX report and XXXX report but they were never updated on XXXX. I noticed a few have been added back to the XXXX report with different dates and on the XXXX report they have all been added back with this years date on them. the finding says my address was verified. I never received what the documents to show I owe this companies this money.
Product: Debt collection

Out of nowhere this XXXX debts is added to my credit files from a collection company called Caine & Weiner. I tried calling them but they are stuck on their own beliefs without any proof of what a actually owe. Contacted them on XXXX, 2021, and again on XX/XX/2021 to no avail. I want this removed from my credit file ASAP.
Product: Debt collection

I received a collection notice from Penn Credit regarding an unpaid debt for Penn XXXX XXXX XXXX The amount in question is {$1300.00}. I called Penn Credit and explained that my name is the same as the debtor but it is not me. The services provided were for a property in XXXX PA during XXXX. I have been living in XXXX  since XXXX and I have never lived in the XXXX XXXXThe representative asked me to send an email explaining the mixup to Penn Credit 's Compliance dept which I did. I included a copy of my drivers license and a proof of Florida residence. I also filed a police report with the XXXX XXXX XXXX dept here in XXXX XXXX FL. I called the agency today and they have not taken my name off the account. 
The credit agency did not have any social security number associated with the debt. 

I also XXXX  the property in XXXX and found that an individual with my same name owned that property in XXXX and has subsequently sold it. His work information was also available.
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im new to this country this is not my account. Im new here in america. I need help. The companies told me its on me. I must contact the credit bureau. The police dept wont help they said the department isnt available due to covid. Please help and remove this from my account XXXX dont want to loose my citizenship. I dont have kohls or XXXX XXXX Revolving Accounts : Accounts with an open-end term KOHLS/CAPONE XXXX XXXX XXXX Account # : XXXX XXXX -- High Balance : {$830.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$530.00} {$530.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Department/Variety and Other Retail Complete Department Stores -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
-- -- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$530.00} {$530.00} -- Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$1500.00} {$1500.00} -- unkown unkown Two-Year payment history XXXX XXXXXXXX XXXX XXXX XXXX  Account # : XXXX XXXX -- High Balance : {$300.00} {$810.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$750.00} -- Closed Date : -- -- -- Account Rating : Open Open -- Account Description : Terminated Authorized User -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank Bank Credit Cards -- Account Status : Open Open -- Payment Status : Current Current -- Creditor Remarks : -- -- -- Payment Amount : {$0.00} {$25.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$250.00} {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX was totaled in an accident in XX/XX/XXXX. 
XXXX XXXX is the bank with which I had the loan from. 
XXXX XXXX XXXX XXXX XXXX XXXX off all of the pending dues to the bank and then there was a problem with 'XXXX XXXX XXXX, which was resoled by you folks, CFPB, after I wrote to you. 
Due to family tragedy, I Lost the document from your office stating I did not owe anything to XXXX XXXX. 
Trying to refinance a vehicle a few days ago, the dealer showed me a negative document from Transunion Credit report that shows XXXX XXXX still has falsely put the claim for $ {$14000.00} on me. 
This is a clear case of fraud and illegal business practice by XXXX XXXX. 

I am requesting your office to mail me ( and email also, just in case ) the document that you had sent me earlier which shows I do not owe any money to XXXX XXXX. 

Thanks and Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX
Product: Debt collection

Account  Resolution Services  has been reporting a medical collection debt to various credit bureaus since the debt was assigned to them in  XXXX . The collection is on a debt supposedly incurred in  XXXX , when I was insured and would not have been charged for  XXXX   XXXX . I never received any bills from the hospital, nor did I receive any notification of collection from Account  Resolution  Services. My first notice of the debt and collection was when I discovered it on my reports after being denied credit. Needless to say, it was a shock to find that my credit was unfairly damaged by a debt I never owed.     Earlier this year, I disputed the debt with Account Resolution Services, in writing, sending it directly to the address they are reporting as theirs in their tradelines --  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , FL  XXXX . Again, this is the address they are publishing on their reports to the credit agencies. So, to add to my frustration, my dispute has been returned undeliverable, as the address seems to be incorrect. It seems that even if they had notified me of the collection in the correct way, I wouldnt have been able to dispute it within the normally given 30 days. I now find myself questioning the legitimacy of not only the debt, but the company attempting to collect on it. I 'm pretty sure that a debt collector which obfuscates its real address in its reports to a credit bureau would run afoul of the Fair Debt Collection Practices Act. If  ARS  ca n't even report its own address correctly, what makes anyone think its data is any good?
Product: Student loan

I requested a payoff letter for my student loan and another lender who was refinancing this sent the payoff to the address on the payoff letter. I was told that this was the wrong address to send the payment to after the loan was never paid off. The check cleared on XX/XX/18 so XXXX XXXXMohela has had these funds since then and today is XXXX XXXX and the loan is still not paid off and they have since taken another payment. The first time I contacted them I was told to get a copy of the cancelled check. After I sent that they told me it had been located in a general ledger account and would be mailed to the correct address and it would take XXXX  days. This was unacceptable to me and I spoke with a supervisor who told me this would be escalated. The last call I received was after the escalation and I was again told XXXX days. They have had my money since XX/XX/18 and I want my loan payoff to be completed and backdated asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is showing charge off in my credit report WESTLAKE FINANCIAL SVC I never got into an agreement with debt buyer. 

I had an agreement with XXXX XXXX XXXX to purchase a used XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

I have disputed this that I never got into an agreement with WESTLAKE FINANCIAL SVC I dont understand why they continue to show that my account was charge off by them when the account was charge off by Automovil on XX/XX/XXXX. 

Also on my credit report on XXXX it shows Status Updated XX/XX/XXXX when that is not possible because agreement was made with XXXX on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from XXXX. I noticed unauthorized inquires on my credit report, legally these unverified and unauthorized items must be removed according to the FCRA. As it states on my Equifax on XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX, on XX/XX/XXXX there was an unauthorized inquiry for XXXX, and on XX/XX/XXXX there was an unauthorized inquiry from XXXX XXXX XXXX  XXXX. As it states on my XXXX  credit report on XX/XX/XXXX there is an unauthorized inquiry from XXXX and another from this same creditor on XX/XX/XXXX, and on XX/XX/XXXX there is an unverified and unauthorized inquiry from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.
Product: Credit reporting

I went to the annualcreditreport.com. to order a copy of my free credit report from all three agencies. My information is take, than I get a response from Experian. unable to supply me with a copy of my credit report at this time. I am then asked to send my request through the mail, with so more private information about me. I have received a copy of my report several years ago, but I do n't remember it being this difficult to see a copy of my report. When I call all three number associated with the credit bureaus, it is just a teleprompter of sending you around the circle where no physical person comes onto the phone. I would like to know, why I can not get a copy of my report online. If I knew what the problem was I could fix it, but if I do n't know what the problem is, I can not fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not allowing my mortgage company to pull my report. XXXX provides the, with error XXXX. I report this to XXXX and they in turn tell me nothing is wrong while not giving an excuse as to what the error is. 

This is preventing me from getting my mortgage and closing on my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an credit with Amazon Synchrony bank which has been charged off. Because I am having hardship I am now receiving help from a company which helps consolidate my debt. They have been making the agreed payments on time each month however it is still being reported that I am delinquent every month which is affecting my credit score. I was told by a representative when I called Amazon credit card department that I have to pay my full balance in order for them to stop reporting to the credit bureau that I am delinquent. This is wrong if I expressed that I am having a financial hardship and the program which is helping me is making timely payments. This is a form of bullying in order to get me to pay the full balance which I am not financially able to pay at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report showing as past due. XXXX XXXX XXXX past due {$2.00} reported on XX/XX/2021 account number XXXX. I have never been late on this account before. XXXX and XXXX are reporting accurately. I have called and written in several times to have this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name, my credit files, and my integrity all has been compromised by either theft, the dark web, XXXX breach, or the lost of my identity when my wallet stolen. I've summoned the credit reporting agencies to produce A Method Of Verification to show cause of their reportings. Never once have I received any physical documentation of these unknown and unauthorized accounts. But for some reason the credit reporting agencies relay on electronic verification, when XXXX " As a general rule of law electronic verification can not be accepted as proof. I demand that the following accounts be removed and blocked from my credit files. 

XXXX ) XXXX XXXX {$120.00} XXXX ) XXXX XXXX   {$1800.00} XXXX ) XXXX XXXX {$340.00} XXXX ) XXXX XXXX XXXX {$1100.00} XXXX ) XXXX XXXX  {$260.00} XXXX ) XXXX XXXX   XXXX {$61.00} XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) Dept of EDXXXX XXXX {$56000.00} XXXX ) Dept of ED/ XXXX {$31000.00} XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Vehicle loan or lease

I am disputing an auto loan contract from XXXX XXXX under California consumer protection laws and the federal Truth in Lending Act ( TILA ). The contract fails to accurately disclose required finance charges, including improperly handled auto insurance premiums, and does not comply with mandatory disclosure of my right to rescind. Under California law, this constitutes unfair and deceptive practices. Additionally, the contract lacks required signatures from the dealer or finance company, violating state contract requirements. My down payment of {$6100.00} was also improperly handled and not accurately accounted for.
Product: Credit reporting or other personal consumer reports

To someone who can help me the reason why I'm reaching out to the CFPB is because I've been a victim of identity theft not only did someone take out accounts in my name, but they also added me to other accounts as authorized users that is reported negatively to my credit report. They were able to get credit in my name. I've tried everything to rectify this situation and I can't get help from anyone, not even the credit bureaus I am a single father and these negative accounts that are caused by identity theft are preventing me from providing for my kids, and also buying a home to keep a roof over their heads. Please look into this problem for me. Hold the credit bureaus accountable and have them investigate and remove this item from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wonder where XXXX and Experian get the bankruptcy status on my XXXX XXXX XXXX. I have never filed a bankruptcy. XXXX did not even report it this way. Not to mention, XXXX   and Experian wont fix the account after sending numerous letters and they wont give me an explanation as to why..CFPB please step up and remove this error
Product: Student loan

I was n't given the opportunity to do the income based. I was told that being that my loan was XXXX that it was n't worth it
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I was never given written notice of any late payments, this lender is in direct violation of the Fair Credit Reporting Act.No messages.No letters.Additionally, I am aware that the Initial Disclosures can not serve as appropriate notification.