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

The Credit Bureaus XXXX XXXX, Equifax, and XXXX ) stated that the following accounts and inquires was properly investigated. How can the problems be properly investigated without the bureaus know that ; the open dates are inaccurate, the date last active is inaccurate, and date last reported are inaccurate. This ground for removal immediately. They also violated multiple rights under 15 U.S.C. 1681 laws. In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account Number XXXX XXXX, Account Number XXXXXXXX XXXX  Account Number XXXXXXXX XXXX, Inquiry Date XX/XX/XXXX XXXX XXXX XXXXXXXX, Inquiry Date XX/XX/XXXX XXXX, Inquiry Date XX/XX/XXXXXXXX XXXX XXXX, Inquiry Date XX/XX/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 an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) : no consumer reporting agency may make any consumer report containing any of the following items. 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

In accordance with the Fair Credit Reporting Act XXXX XXXXt # XXXX XXXX and XXXX XXXX XXXX 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 an account without my written instructions
Product: Debt collection

I am a victim of identity theft and someone used my personal information to open up an account with XXXX/Transworld Systems, Inc. The account is a fraudulent and unauthorized account and do n't belong to me. The account resulted from identity theft. I have been receiving harassing and threatening telephone calls and death threats in regards to the account with Transworld Systems , Inc .
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Date XX/XX/year> Subject : Formal Complaint Against TransUnion for Failing to Meet XXXX Requirements & Reporting Inaccurate Account Information To Whom It May Concern, Under 15 U.S.C. 1681i ( a ) ( 5 ), I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquiries listed below. Failure to comply within 30 days will result in formal complaints with the CFPB, FTC, and legal action for damages under 15 U.S.C. 1681n and 1681o. 

Despite my repeated disputes and requests for accurate reporting, TransUnion has failed to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, TransUnion has inaccurately reported the following account on my credit file : 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 XXXXXXXX. Dispute Number : XXXX XXXX XXXX XXXX Dispute Number : XXXX This account contains incorrect information that has not been properly verified. TransUnion has failed to conduct a reasonable investigation as required by the FCRA and has continued to report inaccurate data, negatively impacting my credit profile. Furthermore, TransUnion has failed to meet XXXX XXXX XXXX XXXX XXXX XXXX  reporting requirements, which has resulted in an unfair and misleading credit profile. 

I request that the CFPB take immediate action to investigate TransUnions failure to comply with FCRA and XXXX reporting requirements. Additionally, I request that TransUnion provide documentation verifying their reporting accuracy or remove any unverifiable or inaccurate information from my credit file, including the XXXX XXXXXXXX XXXX XXXXXXXX account XXXX 

Please advise me on the next steps regarding this complaint and the actions the CFPB can take to ensure my credit report is updated accurately. 

Thank you for your time and assistance in this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Mortgage

My complaint pertains to PNC Mortgage and automatic termination of PMI. I originally closed the associated conventional loan through iMortgage in XXXX, XXXX. XXXX, XXXX was the original provider of the PMI. My monthly PMI payments were {$43.00}. The loan was sold to PNC Mortgage and one of their companies took over the PMI. When I closed with iMortgage, the closing documents included the Private Mortgage Insurance Disclosure -- Fixed Rate Mortgage ( copy of this is attached ) document which was the only PMI information that I received during the mortgage and closing process. Under Automatic Termination of PMI, it states the following : " If you are current on your payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. This date is XX/XX/XXXX. For balloon loans ... ... .. '' When I signed the PMI document, I asked them about the XX/XX/XXXX date. I recollect that they said the XX/XX/XXXX date was used so that I could pay down the loan and once the principal was below 78 %, the PMI would automatically be cancelled without having to pay it until the principal balance of loan was first scheduled to reach 78 %. 

I have been going round and round with PNC on cancelling PMI for months. I originally asked a question online about the termination/cancellation in XX/XX/XXXX and at the end of XX/XX/XXXX received a letter saying that the loan closed as a primary residence so it was part of the Homeowner 's Protection Act and they sent me a bunch of information regarding the right to terminate and automatic cancellation. At the time, the loan principle to appraised value was below 80 % but not 78 %. They said I could request termination, but would have to have the property appraised for {$500.00}. They sent the forms. The two letters that PNC Mortgage sent to me on XX/XX/XXXX are attached. 

The principal balance was below 78 % with my XX/XX/XXXX payment but PMI has not been cancelled. On XX/XX/XXXX I wrote PNC Bank a letter requesting cancellation of PMI. A copy of that letter, copy of the PMI Disclosure statement, and their response is attached. They are now saying that after further review, the loan closed as a second home and is not covered by the HPA and does not allow for automatic termination ; however, the loan adjuster allows automatic deletion once the LTV reaches 78 % by original amortization, which is XX/XX/XXXX. They never addressed the automatic termination date of XX/XX/XXXX which is in the Private Mortgage Insurance Disclosure -- Fixed Rate Mortgage that I signed. 

My complaint is that the PMI disclosure statement does not distinguish between primary, secondary or any other ownership and clearly states an automatic termination of PMI when the principle balance is first scheduled to reach 78 % of the original value of the property which is XX/XX/XXXX. PNC 's website on PMI at https : //www.pnc.comXXXX, seems to back this up ( copy attached ). The current principal to OV is below 77 % and I still request cancellation of the PMI. I seek your assistance and advice. 

XXXX XXXX
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I  prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Checking or savings account

On XX/XX/XXXX, I received a notice from my electric utility that my payment from my checking account at TRUIST had not processed for the reason : XXXX 's account is closed On XX/XX/XXXX, I received a notice from a business that was sending me money that a deposit to my checking account at TRUIST had been denied using a XXXXXXXX XXXX return code. 

I called Truist customer service line. They were very slow and finally told me that on XX/XX/XXXX they had received a 'suspicious call concerning my account, and the caller was a man, ' and then TRUIST decided to freeze my account. I asked why TRUIST hadn't contact me and the representative said 'did n't they send you a text? ' I have no record of a text from TRUIST, and I've never done business with TRUIST by text. 

I asked to speak to a supervisor and after a long wait was able to talk to XXXX. She refused to answer any questions or give me any information- she said I had to go to a branch office. I reminded her that I have moved and no longer live near their branch offices and can't just get up and travel all the way across the country on a moment 's notice. I begged her to consider some sort of XXXX party service that would allow me to establish my identity with having to travel all the way back to Maryland. She refused. I asked her to clarify what would happen with checks I had written, with my utility and credit card bills to be paid from the account and with incoming payments from Social Security. She refused. I asked her to send me a notice in writing about the cancellation of my account. She refused. I asked her to post information about my account in the TRUIST web account where I had been able to get information before. She refused. 

When I checked the TRUIST web account where I had been able to get information, I couldn't access any information about activity on my account after XXXX XXXX. So I have no way of knowing what is happening with my checks, or incoming payments. 

I do know from my credit card company that TRUIST blocked my most recent payment of my credit card bill. 

For the last week I have had to spend days of constant worry and effort contacting everyone that I do business with- including Social Security, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, to prevent further damage to my finances by TRUIST blocking payments into my account. Most of those changes will not be in effect until XXXX, so I remain under threat from TRUIST at least through the end of XXXX. 

I simply can not understand why TRUIST has acted in such an active, aggressively punitive way against someone who has been a very good customer going back 40 years through SUNTRUST.
Product: Credit reporting or other personal consumer reports

Im really upset that unauthorized inquiries appeared on my credit report without any clear reason. When I checked my report, I found discrepancies that werent there before, and despite refreshing my browser to rule out a technical error, nothing changed. Im asking that my documents be thoroughly reviewed to resolve this once and for all.
Product: Mortgage

Ditech set me up on a bi weekly payment plan to help me pay off my loan sooner. I have now found out that they were not applying the first half of my payment until the second half arrived. Thus they were sitting on my payment while my loan was accruing interest. I was lied to about the benifits of the loan an ripped off by this company. Even on my statements it shows amount paid as half but they informed me that is what I paid not what was applied to the loan. This is embezement and I want my money that I am owed. Thanks for your timely response,  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX # XXXX XXXX  WV XXXX 15 U.SCode $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receiptIt has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relatesNEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFTAs a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

Had a past credit card debt that was to be settled. It got taken to collection and placed with XXXX XXXX. They
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports. 
XXXXBalance {$150000.00} XXXX Balance {$4200.00} XXXX*Balance {$0.00} XXXXBalance  {$0.00} XXXXBalance {$0.00} XXXX****Balance {$0.00} XXXX****Balance {$0.00} XXXX XXXX XXXXBalance {$540.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$2200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXBalance {$760.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX*Balance {$720.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX****Balance {$390.00} ( Original Creditor : ) XXXX****Balance {$XXXX} XXXX****Balance {$850.00}
Product: Mortgage

This company is in violation of the Homebuyers Bill of Rights by dual tracking. They sent me letters to confirm everything was okay. They applied the almost XXXX in suspense to my account. Started regular servicing after XXXX XXXX and modification agreement. They had me sign XXXX different modification documents. What they are doing now is criminal at least. They sent me a letter in XX/XX/XXXX stating that my modification was denied because I said I didn't want it. Giving me two options short sale or give them the loan and walk away owing nothing. They later apologize and said it was corrected. Note they were in possession of almost XXXX in suspense and XXXX in escrow. My monthly payment at the time of modification was XXXX payed up until XX/XX/XXXX. I had more than enough to cover 6 months of mortgage sitting in suspense as well as cover money needed for escrow. I will provide bank statements. After placing me in normal servicing they put me back in the modification process on XX/XX/XXXX. This has caused me severe mental distress. They put me in default and bought my loan in XX/XX/XXXX. I owe less than XXXX and my home is worth XXXX. I have the resources and support to pay my mortgage for the next 2 years. Why would I do a short sale or give them my home. I know its because I am a XXXX XXXX  over the age of XXXX. These practices are in violation of my civil rights as well as my homeowners rights
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> According to 15 USC 1681i ( XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( XXXX ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
6. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
7. This account is reporting unverified inaccurate information and must be removed i have paid this account in full and it must be removed XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
8. This account was paid and also the date last active is inaccurate it cant be 3 different dates there are so many inconsistencies across the bureaus XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
9. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX Account XXXX : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX all inquires were supposed to not be hard inquires- no I impact to credit.
Product: Credit reporting or other personal consumer reports

Incorrect information is posted on my credit report I tried sending them letters to remove and calling
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX. However when I reviewed my credit report I noticed that my student loan was marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports, with all three bureaus. The purpose of deferring a student loan is to protect borrowers credit rating until we are able to pay. I reported this information to Experian and they failed to investigate my claim. I contacted XXXX XXXXXXXX XXXX XXXX and they advised that they were not contacted by Experian.
Product: Credit reporting or other personal consumer reports

This account is reporting negative and inaccurate information on my credit report. This account is closed and was agreed to be deleted from my report. 

XXXX
Product: Credit reporting or other personal consumer reports

I have ask to have all inaccurate information that was on my report according to 15 USC 1681. However checking my report and all information that was ask to be removed is still present on my reports. All misspelling of my name, phone numbers that are not mine as well as addresses, but nothing has been done.
Product: Mortgage

I contacted Loan Depot regarding refinancing two rental properties I have in Utah. I was able to lock in the rate and receive a loan estimate on XX/XX/ and was told the process would take 45-60 days. Checking with Loan Depot 's website it states " Most refinance transactions could take up to 45 to 60 days based on the complexity of the loan. '' The Lending Officer was XXXX XXXX at the time, he is no longer with the company. I quickly submitted all paperwork expecting the loan to close by late XXXX-early XXXX. 

Several months passed and I did not receive any new information about the loan. I submitted numerous emails with no answer. Eventually, I received a message from the Senior account manager, XXXX XXXX, asking for more paperwork as the old paperwork I provided all needed to be updated. 

In late XXXX I received a phone call from XXXX asking about information for the loan. She seemed very uniformed and it was pretty clear that she had not read or looked at any of my paperwork or emails or listened to any phone messages. I provided her with all the information she inquired about. 

By mid-XXXX  I was very worried about the status of my refinance and tried calling and emailing XXXX, her manager, their manager, coporate, the new Lending officer, his manager with no answers. Corporate did not even have any record of my refi accounts and could not help me. 

On XXXX I received a notice from my personal home property that a payoff was requested. After speaking with my bank for a while I was able to determine that this was Loan Depot requesting a payoff on the wrong property, my personal home vice the rental being refinanced. I received an email ( attached ) from XXXX acknowledging the mistake but no following communication about them covering the fees. On XXXX I received another notice that another payoff request on my personal home property was ordered by Loan Depot. They have been using my social and the automated IVR system to request the payoff amount without my permission I have included an email I had sent regarding this but have not heard any word back. 

XXXX XXXX has taken over as the Lending officer in late XXXX after XXXX XXXX departure. After resubmitting many paperwork with her I was told that she would submit my loan paperwork by early XXXX. I have called with no reply back from her when asking about the status of the loan. Recently XXXX XXXX has taken over the loan. 

I have not received any word on why my refinance process has been taking so long. I have excellent credit and have been getting them all required paperwork as soon as possible. I do not know if there is a discriminatory process that has caused my refinance process to take so much longer than the average process. I have called other Loan Depot branches to confirm that the 45 is typical and on more complex cases it can be 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a hardship after I XXXX  from college. I couldnt pass the XXXX  to secure a job. My wife and I moved out of XXXX   to XXXX and things got worse with trying to pass the XXXX XXXX and find work with no license. I was working with a guidance counselor for assistance with my payment. I didnt realize the different lenders I had with the different loans. I was told I was approved for a forbearance and my understanding that would date back to adjust the late payments so I would no longer be behind but it did not. 2018 the XXXX XXXX is showing several late payments for my account at XXXX, TransUnion, XXXX  before selling the loan to a different lender.