23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/2023 : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day
Product: Mortgage

My loan is currently held by Select Portfolio Servicing & am currently paying PMI since it's inception in XXXX. I have requested to cancel PMI on numerous occasions but it has fallen on deaf ears. 

Under the Homeowners Protection Act of 1998, if my loan is closed on or after XX/XX/XXXX as a single family primary residence & I am current on my loan payments, PMI will automatically terminate on the date the principal balance of my loan is first scheduled to reach 78 % of the original value of the property. This is a clause under Automatic Termination of PMI. I am currently under 49 % & still paying each month for no reason. I want them to be accountable & cancel my PMI as soon as possible & reimburse me thousands of dollars I have paid in PMI installments each month.
Product: Checking or savings account

I am a successor trustee for a living trust. The last grantor passed around 6 months ago and since then I have been trying to transfer funds from an account she held at PNC Bank to another trust account. I have had numerous conversations by both chat and phone with customer service representatives who give me conflicting advice on what to do. None of the suggestions work. One rep advised me to send a cover letter and a death certificate to a specific PNC address and mail stop ; it was delivered around 2 weeks ago and the bank seems to be unaware of its existence. Another suggested that I travel to the nearest PNC branch to take care of this, even though the nearest branch is about a XXXX miles away from where I live. 

All of the other institutions I have dealt with have a set procedure for handling this - sending in a death certificate + a certificate of trust naming the successor trustees - but PNC doesn't seem to have a process for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed IRS Form XXXX in XX/XX/XXXX with the IRS to have a satisfied tax lien removed from by credit file. The IRS accepted and approved my request in late XX/XX/XXXX. They filed IRS Form XXXX XXXX with the Clerk of Superior Court of XXXX XXXX to withdraw the lien on XX/XX/XXXX. I have personally verified with the Clerk of Superior Court of XXXX XXXX that the lien is no longer recorded with the court. I filed a dispute with Equifax to have the lien removed from by credit file. I received a notification from Equifax on XX/XX/XXXX stating that the lien is reporting as released. That is incorrect. The lien has been withdrawn and is no longer being reported..
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX had no involvement in these accounts and inquires being opening in my name. I XXXX XXXX recognize that I've been a victim of this fraudulent accounts and inquiries. 

Accounts : XXXX XXXX Opened : XX/XX/XXXX{$10000.00} XXXX XXXX XXXX   Opened : XX/XX/XXXX {$3000.00} XXXX/XXXX  Opened : XX/XX/XXXX {$310.00} XXXX XXXX/XXXX Opened : XX/XX/XXXX {$2400.00} XXXX XXXX   Opened : XX/XX/XXXX {$490.00} XXXX Opened : XX/XX/XXXX {$310.00} XXXX XXXX XXXX Opened : XX/XX/XXXX {$170.00} Inquiries XXXX XXXX XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX - CARD SERVICE Inquiry :XX/XX/XXXX XXXX/XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XX/XX/XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : My payment for XX/XX/XXXX was made on time, as demonstrated by my bank statements and payment confirmations, which clearly indicate that the payment was processed well before the due date. This payment should not have been marked as late. 
Clerical Error at Creditor 's End : There was a clerical mistake by XXXX, where they incorrectly applied my payment to the wrong account, leading to the appearance of a late payment. I immediately contacted the lender once I discovered the error, and they acknowledged the mistake. I have attached correspondence from XXXX 's customer service confirming that this was a mistake on their end. 
Technical Issues on the Payment Processing Portal : I encountered issues with XXXX online payment portal, which delayed the posting of my payment. Despite my efforts to make the payment on time, the technical issue led to the payment being recorded late. I have attached support tickets and communication with the banks technical support team showing the payment portals malfunction during the relevant period.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

The following document attached with this letter is an FTC Report. This document is proof that I was victim an identity fraud victim. 

Your company continues to report fraudulent accounts that were open which is severely hurting my credit reputation and good name. Identity theft is a growing problem in the United States and it can happen to anyone, even you. I ask that you please review the attached document closely and carefully. 

Please also be aware that any negative mark found on my credit reports for a debt that I dont owe, is a violation of the FCRA & FDCPA. Therefore, I demand that you permanently delete all fraud lent accounts that were opened as a result of identity theft. Along with the XXXX Police Report are copies of my most recent credit report receive by your company, highlighting all fraudulent accounts open AND inquiries made with my stolen personal information. I personally pointed out all fraudulent accounts to make it easier on you to process my request. 
Failure to respond satisfactorily within 30 days of receipt of this letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for XXXX. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a letter regarding misleading/inaccurate and unknown things on my credit report. To this day over 30 days I have not received a response. Section XXXX1 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. I was also impacted by XXXX data breach and may have got into the wrong hands.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I applied and was approved for a {$15000.00} personal loan through Upgrade. As of today, XX/XX/XXXX I have yet to receive the funds. I have tried to call and email serval time and different departments. I have also tweeted. I called twice yesterday and waited 50 min to be disconnected. I called today and was told the wait time was 19 minutes. I was on hold for 1:45 min and had to hang up because I was work. I sent the same email to XXXXhree different departments. Support @ upgrate, Resolution @ upgrade and contact @ upgrade
Product: Student loan

Nelnet , Inc., my private loan servicer, has recently informed me on XX/XX/XXXX that I have been reported to the national credit reporting agencies for delinquency. According to Nelnet, I am 90 days past due on my account. 

I have had every intent to pay, and have called in to the Nelnet customer support line on a recorded conversation to pay. XX/XX/XXXX I spoke directly with a representative and told them to pull the funds from my last form of payment on file. They confirmed and submitted the payment. I had also done this on XX/XX/XXXX, and XX/XX/XXXX of XXXX. I was not informed, however, that they were using a previously decommissioned bank account, which has not been in service for XXXX years at least. I was also not informed that my payments were bouncing, and only told that they were delinquent. 

As of today, XX/XX/XXXX, I have paid up to current with Nelnet and I want to contest this negative credit report because I have made numerous attempts to pay and was not informed that the representative was using a bad account. I've also tried to remove the old bank account from my file, but was told by Nelnet that they were unable to do so. This could lead to future issues if a representative erroneously uses the account. Please help me clear this delinquent credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I XXXX XXXX Have call Trans Union multiple time about inaccurate ideas on my credit report I try to dispute but they gave me no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have to many different names, address, on my credit report show me another social secury please help me how I do or what I have to do to fix all this please help me
Product: Bank account or service

I filed a complaint with CFPB and Bank of Amerca has modified their response with more information they failed to disclose at any previous time and altered the timing of their actions to better support their explanation. The Bank 's responses are factually incorrect. Further, they have ignored providing the information which speaks to actual events. This information is available but Bank of America will not address the information because it will not support their explanation. This complaint is a new complaint which states Bank Of America has changed facts, failed to provide information in support of their actions, and is dishonest in addressing complaints. This complaint speaks to the CFPB ability to protect consumers when the bank alters the information to cover up their errors. If this kind of behavior is left unchecked no consumer will be protected. This kind of action will actually create a bank more likely to abuse consumers. A bank confident that they can act in whatever fashion that suits them because no one can create any penalty or harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently pulled my reports and noticed you are reporting an charge off each month with a balance of {$770.00} for this account. XXXX XXXX XXXX XXXX XXXX As were both aware a charge off account is a dead account which means that there shouldnt be any interest accruing after the account charged off, there should not be any late payments reporting after this account was charged of along with reporting c/o every single month, Im aware that there is date of last activity ( the date on any account should be when a payment was made, or account status change made on the account ) so if you are reporting charged off every month the date of last activity is being reset every single month that you are reporting an charge off meaning that my reporting time is based on my date of last activity so with the 7 year reporting time for every charged off account from my understanding this account was charged off in XXXX and since then youve continued to report charge off on my credit report, which affect my dola ( date of last activity ) & is continuously been extended Ive attached copy of this account as its being reported from your bureau as well as listed below are the other accounts in question. 

{$230.00} XXXX XXXX XXXX  XXXX {$430.00} XXXX $ XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have tried to update my address to a mailable address XXXX refused to complete the request by stating all history is suppose to be reported to my account that it shouldnt be reporting accurately. I called on XX/XX/XXXX at XXXXXXXX XXXXXXXX XXXX I have the documents ready to submit for my change! This is a violation of the FCRA and he stating that I maybe telling the truth and he will not remove it although it is reporting inaccurately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Request for Investigation and Correction of Student Loan Payment Reporting Dear Sir/Madam , I am writing to file a formal complaint concerning the handling and reporting my student loan payments by the Department of Education . Despite making all necessary payments, which the servicer acknowledged as satisfactory, my credit report continues to reflect past charges marked with late payment remarks. These inaccuracies adversely affect my credit score and my ability to secure financial services. 
Account Details : Loan Servicer Name : Department of Education ; however, a collection agency called to set up payments Account Number : XXXX Dates of Disputed Late Payments : Several occasions. 
I have previously contacted the Department of Education on multiple occasions to request the removal of these inaccurate late payment remarks from my account history. Despite these efforts, the servicer still needs to amend the credit reporting, which has led to ongoing financial and personal distress. 
The servicer acknowledged the payments as satisfied, which should not have resulted in any adverse remarks on my credit report. The persistence of these inaccuracies contravenes the Fair Credit Reporting Act ( FCRA ), which stipulates the need for accurate and fair credit reporting. 
Therefore, I kindly request the Consumer Financial Protection Bureau to : Conduct a thorough investigation into the handling and reporting of my student loan payments by XXXX XXXX XXXX. 
Ensure any inaccuracies in writing late payments on my account are corrected promptly. 
Require [ Loan Servicer Name ] to remove any adverse remarks related to the disputed late payments from my credit report. 
I am prepared to provide additional information or documentation supporting my complaint. I hope that with your intervention, the inaccuracies in my credit report will be corrected, allowing me to move forward without the undue burden these errors have placed on my financial well-being. 
Thank you for your attention to this matter and your assistance in upholding the integrity of consumer credit reporting. 
Sincerely, XXXX XXXX
Product: Debt collection

Convergent Outsourcing has placed a derogatory mark on my credit report stating that I owe {$430.00} to XXXX XXXX. The account in question was closed and settled over 10 years ago. The company placed the negative item on my credit report on XXXX XXXX, 2016.
I have disputed the item on my credit report 2 times with the company and it is still being reported.
At this point, I am willing to spend more than the {$430.00} they are reporting, which is in fact over 10 years old, to bring suit in order to hold them accountable for their business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was made aware of payments not made by my wife due to illness. It was around {$300.00}. As soon as I found out I contacted XXXX  and told them what had happened and paid the debt in full. The company refused to remove the blemish from my record. I cancelled my card immediately and filed a dispute with trans union. They have my debt to income completely wrong and my credit card debt wrong. They refuse to update costing me hundreds of dollars due to a {$200.00} dollar error.
Product: Debt collection

XXXX XXXX XXXX Contract  was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to personally fix the errors in my credit reporting. Instead Im dealing with more issues. I payed of a bill in full with XXXX XXXX XXXX Account Number : XXXX for {$340.00} they falsely added a second account. Which I had already complained about through the all three credit Bureaus. The company did more research to find out I was right. The second account that was made after I filed a complaint. Was false and misleading for {$580.00}. 
These charges are to be off my account. There is no consistency. Trans Union took off these charges. But add a false XXXX XXXX bill. 
XXXX Account XXXX Open XXXX Highest Credits : {$0.00} Balance : {$94.00} Then there is the issues of the false inquiries. 
XXXX has found no merit to these hard inquiries. But Trans Union who have showed no proof. Refuse to take them off with no proof at all. Please help me with these companies false reporting. I filed for the XX/XX/22 this has been more than 30 days. Please help me clear up these mistakes.
Product: Vehicle loan or lease

Hello, I have a complaint with Flagship acceptance, which is a loan company that we have. we have only been in this loan for almost a year. XXXX will be a year, my husband filed chapter XXXX and discharged from it, and I need a car and he went to couple of dealerships and they were all willing to sale him a car but they all wanted to put him in a high interest loan. I was turning in a lease that I was previous driving. so he landed at XXXX XXXX in XXXX Ga. the sales and finance people there told him he was going to have to pay this high interest rate because of his filing. we now have a 20.85 % percent rate that we ca n't trade out of not even with them. they do n't even want their own product back and flagship claims on their website that costumers should n't be more than just a credit score. and that their PAST should n't DICTATE their FUTURE. I just was making a payment on the loan we have and felt taken. we have a car that 's only worth XXXX or XXXX and we owe XXXX dollars where we are only paying pennies to the principal. I 'm just tired of these loan sharks that prey on peoples who are in need. I know this kind of thing happens all the time this is just a form punishment. XXXX XXXX XXXX XXXX XXXX XXXX