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

Bank is fraudulently requesting money from me for a closed account. 
-Bank sent a statement dated XX/XX/2023 that I owe 4 months ( {$9200.00} ) for an account that has been transferred to another mortgage carrier. stating I owe for XXXX, XXXX, XXXX, and XXXX As well as giving false, inaccurate and conflicting information to credit reporting agencies and Me. 
-reporting to credit reporting agencies that The account is still open, even though the account was transferred to another Bank AND responding to previous CFPB confirming this -reporting to CRAs that my monthly mortgage is $ XXXX/month. and sending my statements asking for $ XXXX/month
Product: Student loan

I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XXXX of 2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted XXXX   XXXX XXXX/ XXXX XXXX I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that XXXX XXXX XXXX/ XXXX XXXX is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt was paid in 2014 in exchange for it being removed from all credit reports including XXXX. When contacted, collection agency gives me wrong info so I can't contact them. Persons name is : XXXX XXXX - D. Scott Carruthers Law Firm and Mountain Lion Acquisitions XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment that appears to be missed on XXXX of 2020 is inaccurate and was already forgiven by XXXX XXXX and updated/removed by XXXX  and XXXX  I beg that you update it being that I have good track record. The payment has already been forgiven and is also affecting my ability to obtain more credit and is hurting my financial reputation.
Product: Checking or savings account

On  XXXX   XXXX ,  XXXX  we inquired about opening a business checking account at  PNC Bank   XXXX , VA branch. The loan officer,  XXXX   XXXX  took down our information. We did not yet have the completed operating agreement from our attorney and we stated as such. She proceeded to open the account anyway and then harass us for the documents ( presumably because she should n't have opened it without  them ). U pon receiving them, we forwarded to the bank and I called and spoke with the  manager  around the unprofessional nature and questionable actions taken by  XXXX  including missing debit cards, mis-handled personal information written in a notebook etc.  Subsequently  on  XXXX   XXXX ,  XXXX  I noticed a series of fees and then a change to our account. Upon calling PNC customer service, I found out that the account had been converted to a different type of account without my consent. In the discussion, it became clear the account had been opened in an account type that was sure to incur fees past the initial period based on our intended use. It was never discussed with us that we were not being put into the base account. I raised the question with the representative if  XXXX  might have been incented to open the higher account type at the time, and then went in and adjusted the account when it started earning fees, without notification to me as the account holder. At this question, the issue was escalated. I was put in touch with  XXXX   XXXX  in Executive Client Relations Case Reference :  XXXX . I spoke with  XXXX   XXXX  and relayed the actions and my concerns. I never heard back regarding my complaint. I followed up with  XXXX   XXXX  on  XXXX   XXXX ,  XXXX . Upon speaking to her on the phone, I was told that the issue had been investigated and the employee in question would not make this mistake again. I expressed concern that my account had been changed without my express consent and the bank never so much as followed up with me past the complaint to reassure that my account was secure and the issue had been resolved. To which the only response I received from  XXXX   XXXX  was " that is on me, I have n't gotten to writing you a letter. '' I have been a customer of  PNC  Bank since  XXXX  and am appalled at the lack of attention to this egregious action and utter lack of response to reassure and respond to the account holder. This experience was unacceptable and did not instill confidence in the security of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account # XXXX, which you claim I owe XXXX. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & XXXX  ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of XXXX} in damages per violation for : XXXX XXXX Defamation XXXX XXXX Negligent Enablement of Identity Fraud XXXX XXXX Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) XXXX XXXX Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I attempted to purchase a vehicle. Despite verifying that my Experian credit report was unfrozen via their website, app, and a representative, the car dealership encountered issues for XXXX hours, stating my Experian file was frozen.

We eventually discovered the freeze was not with Experian directly, but with Clarity, an Experian subsidiary. Upon contacting Clarity, I learned I had misplaced their PIN. Requesting a new PIN online was unsuccessful, and I was informed of a mandatory XXXX waiting period for a mailed PIN to unfreeze my report. 

This experience highlighted XXXX significant issues : 1. Lack of transparency : Clarity 's reports are pulled under Experian 's name without clear disclosure. 

2. Inflexible processes : The XXXX waiting period for a new PIN can significantly delay important transactions. 

These practices need review to improve consumer experience and prevent unnecessary delays in credit-dependent transactions.
Product: Payday loan, title loan, personal loan, or advance loan

I am reaching out to challenge an inconsistency identified in my credit report, specifically in relation to the following account that has been late/ charged off : XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Upon review, I have observed that these accounts continue to be reported as having a monthly payment history, even though it should not be due to its late and/or charged off status. This constitutes a direct breach of the Fair Credit Reporting Act ( FCRA ) as it inaccurately influences the statute of limitations. 

Under the Fair Credit Reporting Act, XXXX XXXX Compliance Guidelines, and other permanent Consumer Protection Laws, I, as a consumer, hold the right to have accurate, current, and complete information on my credit report. I trust that all reporting agencies, including yours, abide by these obligations. Due to this apparent oversight, I insist on the immediate removal or " DELETION '' of this incorrect information from my credit report. Please provide me with a revised copy of my credit report once this correction has been made. 
I appreciate your prompt attention to this crucial matter.
Product: Mortgage

I have inquired about removing the PMI on my home almost at least every six months since we moved into our home in XXXX XXXX. The house was fixer upper so even though we had enough for a 20 % down payment we only did a 5 % down so that we could invest and add more square footage to the home. We purchased the home for approx. {$420000.00} dollars and we put between $ XXXX into the addition. I had an appraisal completed in XX/XX/XXXX that appraised at {$520000.00} but they stated that even though the value was high enough they did not have to waive the PMI and I should try again when the mortgage had aged officially 2 years. 
I have made several attempts to contact Mr. Cooper but they don't have enough Escrow / Insurance people to answer the phones. Instead they try and refinance my loan, which would be a financially poor decision for my family. I work during the day and prefer to interact through tickets. They refuse to put the actions I need to take to get my PMI removed in writing. I am attaching an image of the messages that were returned to me after I chatted with Mr. Cooper or opened a ticket. It almost seems like they do not want to provide clear written clear instructions and expectations as to when my PMI can be cancelled. I am well within my right at this point as I have secured an additional Home Improvement loan to add on a custom deck that is {$55000.00}. Mr. Cooper only cares about you if you want to refi and take out another one of their products. But if you are just a customer looking to have decent servicing, that is not their priority.
Product: Credit reporting or other personal consumer reports

I was notified that there was a hard check on my credit, I did not authorize this action. I contacted XXXX XXXX and stopped the credit card application. This occurred on XX/XX/24.
Product: Credit card or prepaid card

I recently learned that a past care provider opened accounts in my name using incorrect date of birth. I have paid on these accounts, but after freezing my credit reports when I tried to unfreeze and retrieve I learned rthat the date of birth was incorrect. I did not know at the time that the provider opened the accounts how they did this with incorrect date of birth and I have been unable to have my social security XXXX  checks deposited in a bank account in my name because the bank can not retrieve credit report with my correct information since the buruea has a different date of birth. 

Correct Dob is XX/XX/2003 card was opened by care provider before I was XXXX -not responsible
Product: Checking or savings account

Hi, Today I received a debit card through the mail from Square. The debit card was in my name and registered to a business XXXX. I called Square and they have cancelled the card and suggested I alert law enforcement. I was given an email of XXXX for any necessary support in the investigation. 

Thanks XXXX
Product: Payday loan, title loan, or personal loan

Received 4 phone calls whenever a 3 hour time-frame and from various telephone numbers. No messages were left. Repeated asked that they do not call my place of employment. Advised that I am available from after XXXX pm to speak. Repeatedly called before time provided. When speaking over the phone, there is harsh words and vulgar language on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, and XXXX XXXX XXXX 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
Product: Checking or savings account

Recently filed ftc complaint for scam XXXX see that for specific scam notes. Contacted chase per ftc recommendation, chase will not investigate this matter, furthermore gave incorrect information. I believe, to get me off the phone and prevent me from filing this complaint a week ago. On XX/XX/29 called to report the scam, eventually was told that they are investigating it and would reach out the the third party ( XXXX ) to try to recover funds from the account, but gave me no guarantee and indicated the investigation would only stay open 10 business days. A few days later I got a notice from chase bank stating that the investigation was closed because they found the charge to be authorized. I never once claimed the charge wasn't authorized and never asked nor was told the investigation was to contest the authorization of the charges. 
I called back on XXXX to learn that they refuse to investigate a scam and if authorized will do nothing. That the investigation request before was made to determine if the charged was authorized ( again, I never indicated it wasn't and was very clear it was ) and that is all they will do. That they can not do anything further and will not do anything further on the matter.
Product: Credit reporting or other personal consumer reports

Not a Duplicate : New Information being submitted. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX : XX/XX/XXXX Last XXXX SSN : XXXX Experian XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX I, XXXX XXXX, emphatically declare that I am personally submitting this dispute without any third-party involvement. I have adamantly denied the ownership of any XXXX XXXX Accounts. Despite Experian 's previous removal of all XXXX XXXX accounts and inquiries from my profile, they have irresponsibly added some back. All my information is crystal clear and undeniable. 

Account Verification Evidence of Investigation : XXXX XXXXXXXX is obligated to produce the following : 1. A signed agreement by me authorizing the use of my information.

2. My photo ID.

3. Statements of admission.

4. Information of the joint account holder - including their number and address. 

Failure to provide this concrete evidence confirms that this account ** '' can't be verified as mine '' ** because it simply isn't. 

Documents included with this letter : 1. ID 2. Mail 3. Formal Dispute Letter 4. Contact Information 5. Notarized Affidavit 6. FTC Complaint 7. Letter from Experian -- - As previously stated, " I am a victim of Identity theft. " ** I have lodged numerous complaints with the XXXX  and CFPB regarding the XXXX XXXXXXXX accounts. Let me make this abundantly clear : I do not own a business or a business account with XXXX XXXX, nor have I ever authorized a personal or joint account with them. 

1. Report Number : XXXX Date Generated : XXXX XXXX, XXXX XXXX. Report Number : XXXX Date Generated : XXXX XXXX, XXXX XXXX. Report Number : XXXX Date Generated : XXXX XXXX, XXXX Account Info : - Account Name : XXXX XXXXXXXX - Account Number : XXXX - Account Type : XXXX XXXX - Responsibility : Joint - Date Opened : XX/XX/XXXX - Status : Account charged off. {$4800.00} written off. {$4800.00} past due as of XX/XX/XXXX. 
- Status Updated : XX/XX/XXXX - Balance : {$4800.00} - Balance Updated : XX/XX/XXXX Allowing XXXX XXXXXXXX to linger on my Experian profile is a flagrant violation of several laws, including the Fair Credit Reporting Act ( FCRA ), the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Billing Act ( FCBA ), and the Fair Debt Collection Practices Act ( FDCPA ). These laws exist to ensure fair and accurate credit reporting, prevent credit discrimination, safeguard against unfair billing practices, and regulate debt collection. 

Experian 's blatant disregard for these laws demands immediate attention and corrective action to rectify this outrageous situation. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was lured into opening an account with new money by a promise of XXXX bonus after completing a certin time and the bank has gone over that promised time and have not kept their part of the deal, i still dont have the money after they have held my in money for over 5 months
Product: Debt collection

I obtained what was supposed to be an installmant loan through XXXX XXXX on XX/XX/2017 for a total of XXXX dollars due to hardship. From my understanding they added about 200 dollars worth of interest onto the loan and i would have over a certain amount to pay the loan back as you i have with previosly obtained and paid loans. I began paying the loan back in payments of XXXX every other week from XX/XX/2017 untill XX/XX/2017 so a total of 11 payments of the XXXX, so over two thousand dollars worth of payments overtime. About half way through i had logged intoXXXX XXXX to see what my exact balance was and to my suprise it was exactly the same amount as the loan i had recieved despite all of the payments i had made towards the account. I called XXXX XXXX   to ask them what was the deal with the account balance and how it hadnt decreased even with all of the money i had already paid. They then told me that the only way i was going to be able to pay the loan off entirely was to pay the interest, as well as the entire amount that i had borrowed initially. I made sure to tell her i didnt sign up for a payday loan and that i signed for an installmeent loan, something that i could pay back over time because of the tremendous hardship i had been facing. They then told me that i had no other option but to just pay it off. I kept making payments every other week untill XXXX and my account indeed still remained the same amount, if not more by the next time i made a payment. So finally i sent them an email statiting that i was not going to pay them anymore due to the fact that i had already paid the loan in full three times over, and that i did not ever sign for a payday loan. I knew it could not be interest compiling that fast within teo weeks due to Texas legal laws in place. As of last month XXXX XXXX   has had a collection agency ( ad astra recovery services ) flag my credit, bringing my score down tremendously. They show that i obtained the loan in XXXX of this year ( which is false information ) and that i have only made one payment ever with the account ( which is also false ) i have sent in bank statements, i have sent payment confirmation reciepts via fax from my email, but the company persists on leaving the falsified information on my credit account as if it were truely an installment loan i just defaulted on, and did not pay them for when its not true. They refuse to remove it unless i pay them an additional 1000+ dollars.
Product: Student loan

I originally borrowed money from a. bank in XXXX it was all serviced with AES America Education Services ended up in the hands of XXXX. I was paying around {$680.00} at 13 % interest. Originally I had around XXXX now my loans are totaling around $ XXXX. In the beginning I tried to get them to lower my payments so I could just be able to afford these loans. In every efforts to try to prevent a bankruptcy case, I pleaded with them and however they failed to accommodate to me. Furthermore, my mother who was helping me pay on these loans as a co-borrower passed away! I explained to them and they still was unable to make things right. Along the way I even asked how I was expected to pay if I lost my good paying job, should I live in a " cardboard box '' and their answer was yes Maam! Long story short, I had finacial difficulty and filed bankruptcy around XXXX and despite me filing bankruptcy in XXXX they decided to put judgements on me. I hired a attorney to help me he was able to get several of these judgements dismissed however, there are XXXX judgements remaining and it hindering me for buying a home. During a recent phone call with XXXX, they informed me I couldn't relieve these debts in bankruptcy, and even though the judge dismissed some of them they didn't care, they would still make me pay all of XXXX back! Also, threatened to clear my account out as they did in the past. Sadly, I may be loosing a my dream home because I have to come up with a solution. 
AES/XXXX XXXX judgement amount XXXX XXXX judgement amount XXXX XXXX judgement amount XXXX XXXX judgement XXXX Also, about a year ago they sent information to my old attorney who then proceeded to file my employment information to start garnishing my wages and did not give me the opportunity to settle this or talk with the courts. I am not really sure why they failed to contact my current attorney but I am not happy with this situation at all!! I believe that is breaking the law! Furthermore, even though I have an attorney they continued to send letters and notes instead of my attorney.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account number XXXX opened XXXX FTC filed this is not my account nor obligation 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f