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

I am a victim of identity fraud, as a result, fraudulent charges were included on my credit file. I sent this company my dispute with a clear explanation and evidence in as far as my identity fraud is concerned. I even attached to it my Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act for reference.

To my surprise, until now this company is still reporting this fraudulent accounts As I write this letter, this fraudulent account continues to damage my credit file and Equifax doesn't seem to have done anything from the XX/XX/XXXX when my first correspondence was sent and received by them. For yet another time, this account is fraudulent : XXXX XXXX XXXX, Account Number : XXXX Opened XX/XX/XXXX, Credit limit {$4000.00} This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XX/XX/XXXX and a copy of my identity fraud letter and a copy of my small claims form which am ready to file if they continued their negligence and none compliance. 

This is a written proof of my intent to find a resolution in this case failure to which I will file a lawsuit.
Product: Credit card or prepaid card

Received my only credit card prior to a 2 week XXXX vacation to reduce possibility of fraud while abroad. Returned home and waited for the statement, it came the next month with a late fee. I called the company and said we are getting off on the wrong foot - you sent me a statement that was after the due date - with a late fee. Chase would not budge. On XX/XX/18 I paid the balance in full over the phone with a chase representative ( {$3800.00} ) and closed my account with her over the phone due to their dishonest business practices. 
I receive a statement for {$31.00} on XX/XX/18 ( no XXXX statement sent ), again indicating that I had a {$16.00} balance and they attached another {$15.00} late fee on, after they closed my account and took my final payment over the phone. 
I find their business practices unfair, dishonest, and I believe the public needs to have the ability to protect themselves from these XXXX dollar corporations with unfair practices. As a veteran, I have moved over to XXXX for a credit card and have had none of these occurrences. 
We as individuals in the country, are literally becoming economic prey to these big banks.
Product: Mortgage

XX/XX/2023 I requested my appraisal to be transferred to a new Mortgage company, as well as stated that I no longer wanted to work with Mortgage Pros. 

XX/XX/2023 After repeatedly request for my appraisal request to be transferred from Mortgage Pros. To XXXXXXXX XXXX, it was said to my rep from XXXXXXXX XXXX ( I was silent but on the call ) We can win him back. And when told You cant hold onto his appraisal if he paid for it, and has told you he no longer wants to work with you. XXXX XXXX said So, the VA allows us 72 hours to hand it over.
Product: Checking or savings account

Please refer to previous filed complaints XXXX and XXXX. 
Since filing these complaints, 5 transactions {$50.00} and 4 a {$25.00} have been presented three times, returned 3 times and assessed overdraft fees {$36.00} for each transaction. As well, 6 @ {$30.00} were presented as extra fees of the merchant of the {$50.00} and 4 @ {$25.00} transactions. These fees were also presented 2 times and returned. Banking regulations allow 2 presentment but institutions accept as many as are presented. 
This process is a severe abuse on the consumer. 
This is a process that is used to generate fees. As well, the transactions are re ordered so there may be funds available for lower amounts but largest are put first even though not presented in that order. 
I have communicated with the Executive Escalation Representative, XXXX XXXX. She has refused to consider the circumstances and abusive processes which caused the issue. My account would not be overdrawn if not for this unfair practice. I still have to pay the returned items and the overdraft is all fees. PNC has refused refund in the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX 2022 I sent a letter to Transunion and on XX/XX/2022 they sent a letter stating the letter was from a third party credit repair agency and the letter was directly from me. There needs to be an investigation into these accounts that are listed on the letter and the accounts need to be removed along with all inquires not tied to a open account. i refused to contine to allow my credit to suffer for the mistakes and FCRA violations that transunion refuses to correct.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports. These reports may be used by creditors, insurers, employers, and others to make decisions about granting credit, loans, insurance, or employment. Under the FCRA, CRAs must take reasonable steps to ensure the maximum possible accuracy of the information they report. They must also correct or delete inaccurate or incomplete information. In addition, the FCRA requires CRAs to provide consumers with access to their consumer reports upon request. Finally, the FCRA protects consumers from identity theft and other forms of fraud by requiring CRAs to take reasonable steps to protect the confidentiality and security of consumer information. The FCRA is enforced by the Federal Trade Commission ( FTC ), the nations consumer protection agency.With that said, according to the Fair Credit Reporting Act, Section 611 of FCRA, you have a responsibility of promptly deleting any information which is inaccurate or incomplete. This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any way, the burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report.Furthermore, the Metro 2 standard is a common format for reporting credit information. Banks and other lending institutions use the Metro 2 standard to report information to the CRAs. The goal of the Metro 2 standard is to make it easier for lenders to provide accurate and consistent information to the CRAs. This, in turn, should help to improve the accuracy of credit reports. The Metro 2 standard was developed by the Consumer Data Industry Association ( CDIA ) and is used by all major credit reporting agencies ( CRAs ) .The information in my credit report is wrong! Therefore, it can not be compliant with FCRA and METRO 2 standards because the information was never proven to be factual. So now, I have decided that enough 's enough, and will exercise my consumer rights.The following account allegations are either untrue, unverified, and incorrect. Please remove them immediately, or I will have no choice but to take legal action against you! Also, federal law requires you to respond within thirty ( 30 )
Product: Credit reporting, credit repair services, or other personal consumer reports

A unknow person tried to used my credit to obtain merchandise, phone service, vehicles, credit cards and other items. The assailant was unsuccessful in getting any physical items, but this still impacted my life. The unknow person left negative inquires on my credit file. This is a false representation of my true potential. This person is unknown to me and I can not offer any details, but I do want this matter of these inquires removed from my personal credit file. See attached file for detailed list of inquires that appear on file.
Product: Student loan

After receiving an eligibility acceptance letter from the DOE, I stopped struggling to make the student loan payments I had been making throughout the pandemic. On XX/XX/2023, a male Navient representative called to discuss starting repayments. I stated that I was not required to restart payments until the Supreme Court made its final decision, or POTUS determined to abandon this initiative. After some debating about when I needed to restart payments, I told him to place my account on the " Do Not Call '' list and he hung up mid sentence. I immediately called back, spoke with a female representative, and asked to speak with a supervisor. My call still wasn't directed to a supervisor, even though I told her that I wanted all phone calls to cease and desist. I told her I only wanted to communicate with Navient via snail mail/hard copy print. That should have been the end of any verbal communication, but I currently have a call log from Navient 13x 's since the stated above date. This company has also logged as many as 11 calls in one week, most during my working hours. Then on XX/XX/2023 & XX/XX/2023, I accepted Navient 's calls to ONLY state my previous statement to place me on their Do NOT Call list and to cease and desist contacting me via phone calls. Since XX/XX/2023, I have received 9 more calls, and I'm now reaching out to this agency to find relief from these harassing calls that are unnecessary until POTUS or USSC determines repayments must legally restart.
Product: Credit reporting or other personal consumer reports

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

Today I looked at my consumer report and seen some items rom who I do not know. WAKEFIELD & ASSOCIATES are on my XXXX and XXXX 4 times. According to federal laws I have never received any written communication from this debt collector. The account they have listed are security accounts in which I most definitely have zero knowledge of. Wakefield & associates stole my identity from XXXX XXXX XXXX, XXXX XXXX XXXX, and two accounts from a company called XXXX XXXX XXXX XXXX XXXX XXXX  which is permanently closed according to XXXX. I have never dealt with any of these companies I have never given any of them my signature or even have i ever went into any contracts with these companies and the companies that wakefield & associates have bought my identity from I have never even given it to them. Stealing identity is a federal crime per 18 usc 1028 and according to the privacy act of 1974 this should have never happened. They never contacted me concerning either of these companies neither have any of the companies contacted me. This is pure fraud that needs to be fixed. per 17 cfr 248.124 I opt out of any of these companies reporting to my consumer report. You are not allowed to even place an alleged debt on someone consumer report without prior written permission I never received any notifcation of attempting to collect an alleged debt. This is total fraud
Product: Credit reporting or other personal consumer reports

FTC Report NumberXXXX : I did not give Equifax written consent to report, buy, sell, trade, my personal information with any data furnishers or credit reporting agencies. I online the specific items that I believe are inaccurate, incomplete or unverified and I request immediate correct or deletion where application. Please conduct a thorough investigation into these matters and provide a written response detailing the actions taken. XXXX  ( Account Number : XXXX ) Invalid and Unverified Debt ( FDCPA Violations ) : Under 15U.S. Code 1692g, I am disputing the following accounts as they have not been validated under the Fair Debt Collection Practices Act. I demand immediate removal
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX XXXX their inaccurate and misleading reporting of information to the credit reporting agencies. Specifically, XXXX XXXX XXXX  has reported my account as " charged off '' with a written-off amount of {$150.00}. I believe this information is erroneous and does not accurately reflect my payment history or the current status of the account. 

Details of the Dispute : Inaccurate Reporting : XXXX XXXX XXXX  has reported my account as " charged off, '' which does not accurately reflect my payment history or the current status of the account. This has caused significant harm to my credit profile and score. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, XXXX XXXX XXXX  is required to ensure that the information they report to the credit bureaus is accurate and complete. Their failure to report accurate information constitutes a violation of federal law and has led to unnecessary damage to my creditworthiness. 

Failure to Address Dispute : Despite my attempts to resolve this issue directly with XXXX XXXX XXXX  XXXX they have failed to correct the inaccurate information or provide a satisfactory explanation. Their lack of response and inaction have exacerbated the harm to my credit profile. 

Requested Resolution : I request that the CFPB take the following actions : Initiate an Investigation : Conduct a thorough investigation into Self Financial/Lead Banks credit reporting practices to ensure compliance with the FCRA. 

Correct the Inaccuracies : Require XXXX XXXX XXXX  to correct the inaccurate information on my credit report and update all XXXX  major credit reporting agencies accordingly. 

Ensure Compliance : Monitor XXXX XXXX XXXX  to ensure they comply with the FCRA and prevent similar issues from occurring in the future. 

Supporting Documents : I have attached a copy of my dispute letter to XXXX XXXX XXXX  XXXX as well as my credit report showing the disputed account information. 

Conclusion : XXXX XXXX XXXX  actions have caused significant financial and emotional distress. I seek the CFPBs assistance in rectifying this situation and holding XXXX XXXX XXXX  accountable for their failure to comply with federal credit reporting laws. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report I am submitting this complaint regarding inaccurate late payment that is reported on my credit file maintained by Experian. I believe this late payment is erroneous and do not accurately reflect my payment history. 
Account XXXX : XXXX XXXX Account number : XXXX XXXX payment reported : XXXX XXXX 1. Inaccurate Reporting : The late payment listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violate my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of this entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

Despite everything going smoothly with the loan process, 18 hours prior to our close on a Friday morning, things went south. We were suddenly told by our Title company that they still did not have the Clear to Close from the lender, and then District Lending disappeared. I called our Regional Sales Manager, I called the main District Lending office ( where I could only get some answering service who assured me someone would call me back soon ), I called the Founder/CEO ( whom I had talked to before ). I probably made 15-20 phone calls to try and talk to someone. Never happened. The entirety of Thursday afternoon passed, and we did not hear from ANYONE. All the while our closing fell apart and we had no clue as to why, nor what could be done about it. Simply unbelievable.

And, after everything settled down, we never received any type of follow-up. Not a phone call, not an explanation, not an apology, not a How Did We Do? customer survey ( that everyone seems to ask for these days ), nothing. To this day a few weeks later, I still do not know what happened and I have not talked to anyone since that fateful day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and after sending letters and ftc reports to the credit reporting agencies I still see the fraudulent accounts on my credit report. I have listed all the accounts that do not belong to me and I've attached documents that were sent but never received a response. 
XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX {$1800.00} XXXX XXXX XXXX {$520.00} XXXX XXXX  {$3400.00} XXXX XXXX XXXX XXXX I sent dispute letters and ftc reports about these accounts . I didn't receive a response from the agencies regarding these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has refused to unlock my online account. Requesting mail only delays corrections and correspondence.
Product: Mortgage

This is my second compliant on my mortgage company. Back in XXXX they sent me a letter stating they was adjusting my mortgage payment to XXXX due to a new escrow fee of XXXX. I put in a compliant at that time due my taxes for my house is less than XXXX a year. Per the result they sent me and your company they adjusted my mortgage to show the amount i need to pay which is in the letter i am sending over. But they have not change anything. Since then all of my payment has not been posted correctly. My escrow balance in XXXX was XXXX and now it is XXXX. So now it show my behind on my mortgage. I seriously think they are doing this on purpose due to my bankruptcy will be over in couple of month and I think they will try to foreclosure on my home. I just want my payment posted correctly and mortgage payment corrected. I am stress out over this. Sometime I feel like just giving up because they are not helpful over the phone at all. I just dont know what else to do at this time. The crazy part is that i complain the last time and they corrected in a letter to both of us but never really did anything. I dont even know I can even trust the outcome of this investigation. I truly feel they are trying to take my house.
Product: Mortgage

Escrow I have a 30 year fixed, 3.25 % VA loan with P & I monthly @ {$510.00}. 
Someone appears to be defrauding my escrow account as my payments have escalated from $ XXXX/month to over $ XXXX/month in less than 6 months. 
Prior to XX/XX/XXXX my Insurance costs were $ XXXX/year and my monthly payments were {$620.00}. 
My insurance premium is only $ XXXX/year now and I am being billed $ XXXX/month. 
I have asked the company to explain how my insurance premiums ballooned on XX/XX/XXXX when I was already paid and covered from XX/XX/XXXX - XX/XX/XXXX.. no one, not even their advocate has explained this to me. I have attached three insurance forms to show something is terribly wrong with my account. 
I have also attached a screenshot of my existing account which is BIZARRE. Please note that I have never missed a payment and that I have NOT been charged a late fee, but they insist on charging me $ XXXX/moth. 
My XXXX should be : {$510.00} + ( T= XXXX/XXXX= XXXX ) + ( I = XXXX/XXXX=XXXX ) = {$640.00}
Product: Checking or savings account

I opened PNC Bank accounts because I was attracted to their advertising about a promotion - transferring in new money, set up direct deposit, and other requirements, then consumers will receive {$500.00} bonus. 

I fulfilled all the requirements, transferred in $ XXXX, set up $ XXXX monthly direct deposit. PNC Bank rejected to give me the {$500.00} bonus, despite the fact I spent hours on communicating with their customer service. 

I learned that other consumers had the same experience. Some of them received the bonus after contacting PNC 's customer service. That did not work for me. 

The whole customer service, and advertising department, have not met the industry standard.