23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/year> PNC Bank provided an estimated monthly payment on their website ( XXXX XXXX XXXX XXXX XXXX ) of about {$XXXX} ( principal + interest ) for an initial draw of {$XXXX} for a {$XXXX} line of credit. In XX/XX/year>, we closed on the HELOC and completed the initial draw of {$XXXX}. In XX/XX/year> we received the first full-month bill of {$XXXX}. We contacted PNC to find out why there was such a large discrepancy. They said that the online calculator is just an estimate. I stated that a XXXX  % discrepancy makes for a poor estimate. I requested an amortization schedule to verify the calculations are correct, but PNC said that they don't provide amortization schedules for HELOCs. 

PNC is misleading consumers with XXXX  % lower HELOC estimates than actual payment amounts requiredXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am contesting the accuracy and completeness of information contained in my consumer 's file at my credit-reporting I am requesting a reinvestigation under the Fair Debt Collection Practices Act, 15 U.S.C. 1681i. and this agency is not answering as they should : Receivables Management Systems located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX E-mail : XXXXXXXXXXXX Phone : XXXX - XXXX - XXXX XXXX : XXXX The information I am contesting is a claim for health care services and/or supplies provided by patient first in XXXX VA dated XXXX 2015 alleging late or non-payment by me. I have enclosed information from the Department of Defense, XXXX XXXX XXXX, which explains the Government 's role in the delay in payment or payment of less than the billed charges. I request that you reinvestigate this matter and delete the negative information from my consumer file. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Self Lender / XXXX XXXX XXXX  has ruined my credit from their own derived fraudulent methods and stolen the small amount of money Ive put in thus dropping my credit by more than 137 points. All three credit companies since the Equifax fallout and my info being spread all over the dark Webb and fraudulent inquiries and accounts. 

Become qll three credit companies have difficulty verifying who I am I can not submit fraud reports directly to the CRA and am unable to start a proper investigation unless I pay for all three and their monthly fee. 

I cant afford that cost.
Product: Credit reporting or other personal consumer reports

The credit bureaus ( XXXX XXXX, Experian, XXXX, XXXX ) All are reporting inaccurate information on my credit report. I reached out to them to have this information verified and deleted. They responded that they verified the information, which they clearly DID NOT. The information they are reporting is incorrect.
Product: Credit reporting or other personal consumer reports

Closed this complaint with another ridiculous explanation without addressing the issue which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Student loan

I have auto debit for my nelnet loans. I made about {$1500.00} of excess payments in XXXX and did not apply the money to future payments so that it went to principal and reduced my interest. Then I was auto debt a smaller amount for that month thank normal, but then it also showed me as past due for a total payment amount higher than my monthly payment. When I called they said it was some sort of glitch, that they have no escalation process to investigate the defect, and my only resolution was to just apply all payments towards future ones ( not allowing me to pay down principal ).
Product: Checking or savings account

On XX/XX/XXXX I went to the TD Bank ATM to deposit a check that was printed from a regular printer ( e-check ) and the check was stuck inside the ATM. I went inside the branch and informed them that my check was stuck, they told me to wait and if any issue they will contact me. 

I waited for my check for a week then I decided to login to my account to see the status and realized my account was blocked. I called the branch to find out the issue with my check on XX/XX/XXXX and and apparently the issue was reported to the fraud department and they decided to close my account. When I confirmed with the branch that my check was legitimate, they deposited it again which caused my issuer to be debited twice. SO one check was deposited twice. I did once and I think the bank teller did the second time which was the cause of me being reported to the fraud department. 
My boss who write me the check gave me the statement showing on XX/XX/XXXX TD bank debited his account twice and reversed one of the two.

Around that time also I received a letter from TD Bank stating they decided to terminate our relationship and my accounts will be closed on XX/XX/XXXX. At that time they will send me my check through mail. They stated if I don't want to wait that long I could go to the branch and close it there immediately. 

On XX/XX/XXXX I went to a branch where I deposited my check and they blocked them from closing my account. The following day I went to a different brach and they were able to close my checking account and gave me the money but they blocked my savings account which had {$750.00} on it. They tome me at the branch that they will send me my check in the mail 10 business days after they close. 

This is XX/XX/XXXX and I have not received my check. I called TD branch customer service asking about the status of my check and they told me the bank closed my account, {$750.00} XXXX was taken out and they won't send me money because they owe me nothing. I went to the branch to find out what the issue was, they told me TD decided to use {$750.00} to recoup $ XXXX they gave me when they closed my checking because the check I deposited did not clear ( which is a lie ). My check issuer who banks with citizens bank sent me the statement showing they took the money from his account. Besides, how could they recoup $ XXXX with {$750.00}? And why would they close the account if the check did not clear. Wouldn't they keep it open until the issue is resolved? The check was cleared. TD bank employee stole my money because I have a funny name. They know I am foreigner. They would never do that to someone with a name XXXX or XXXX. They do to me because whoever works at the fraud department knew I have unusual name and therefore they can do this to me. This is my life. I am not a billionaire like TD bank. The fact that a multi billion dollar bank would try to defraud me is appalling. I please help
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX - XXXX - {$0.00} XXXX  XXXX XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a law-abiding citizen and a human being. I have rights under 15 USC 1681.

Equifax is governed by USC 1681.And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 

Accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've also included an attachment for XXXX XXXX XXXX the collections agency expired license status since XXXXAlso an attachment Equifax admitting they have had added and listed a collection account more than once.
Product: Mortgage

My husband and I applied for a mortgage refinance with Cardinal Financial in late XXXX, XXXX. Our loan is a cash out refinance with a XXXX of approximate 59 %. There have been significant delays in the process on Cardinal 's side and multiple occasions during underwriting where there were week that we did not hear from them before additional documentation was requested. Additionally, I don't feel they have been honest, including saying that we can not decrease the amount of the loan ( because of the delay the cash out has increased significantly higher than our original request ). Now, after over 4 months, Cardinal has advised that charges and rates have increased due to a disputed credit bureau report showing a XXXX late account for {$50.00}. I have documentation showing that the account was paid, but have been told that it can not be addressed because 'credit bureau disputes take months to resolve '. We are now out {$500.00} for a no long valid appraisal, with fees and rates that are higher than agreed to - all due to Cardinal 's delays and misstatements. We have asked multiple times that the delays and issues are escalated with contact from no one other than the loan officer and transaction coordinator.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ATTN : Im requesting that you validate the debt below. 
Account Number XXXX I've received your letter claiming you have validated ( or verified ) the above reference number, but the problem is you didn't provide the documentation that proves I owe you anything. Where is the contract between your company and me? Where is the full accounting because I can't just take your word for it that I owe some company I've never contracted with, some made up number? Where is your license and bond? 
You also haven't proved you have any right to be on my credit report because I know for a fact I've never contracted with you nor consented to you being able to make any communication on my credit reports. You're violating the FDCPA by continuing collection activity and you're violating the FCRA by furnishing information and verifying invalidated information, disputed information, erroneous information, when no access to my credit reports has ever been granted to you. 
Please remove your debt off of my credit reports until you can provide some proof that I actually owe you. You haven't done that yet and, by law, you are to cease collection activity immediately. I reject your hearsay as being validation or verification. I reject the bills you sent as being validation because they are not. I reject any of your claims of validation or verification because you haven't proved anything. 
Act Immediately.
Product: Credit reporting or other personal consumer reports

I have been disputing an account on my credit report for over a year now. I eventually had to come to the CFPB for support, and eventually got a letter from the company accepting responsibility for their error. After multiple disputes with all of the bureaus, Experian is now the only bureau that is still saying they verified the ( negative ) information as correct. Clearly they are not actually investigating the account, as the company has taken responsibility and they ( experian ) are still reporting this account incorrectly regardless of my disputes.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the fair credit reporting act, public law 91-506, title VI, section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I RECEIVED RESPONSE FROM CAPITAL ONE REGARDING FRAUD INVESTIGATION THAT POSSIBLE THEY DID THEIR INVESTIGATION .FIRST OF ALL IM NOT SATISFIED WITH RESULTS BECAUSE CLEARLY CLEARLY THEY DID NOT EVEN TOOK A SECOND TO LOOK AT FTC REPORT THAT IVE SENT BECAUSE THEY VERIFIED ADDRESS AS ACCURATE WHEN ON FTC REPORT IT CLEARLY SHOWS THATIM DISPUTING ADDRESS AS FRAUDULENT .LIKE THE INVESTIGATION RESULTS ARE FUNNY THE PAPER THEY ATTACHED THEY SAID XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX WE CHECKED PUBLIC RECORDS AND THIS ADDRESS BELONGS TO YOU WHEN I DISPUTED THIS ADDRESS AS FRAUD AND XXXX  ERASED FROM MY REPORT XXXX TELEPHONE NUMBER NEVER EVER BELONGED TO ME THEIR RESPONSE 'We mailed billing statements to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, which has been linked to you by public records, and did not receive any returned billing statements or other mail sent to this address. ' SO IF SOMEONE DID NOT RETURN A LETTER AND LETS ASSUME THE THREW IT AWAY DESTROYED IT OR ANYTHING LIKE THAT THAT MEANS ITS MY ACCOUNT? this is ridiculous and this is the response of capital one investigation team? Going of public records? 
We located recorded calls from XX/XX/2019, in which you contacted us about this account and stated it was your account. IS THERE ANY PROOF I CONTACTED YOU OR FRAUDSTER DID? 
The Social Security number and date of birth we have on record for this account were verified as yours? LIKE THIS IS MOST RIDICULOUS PART SOCIAL AND DATE OF BIRTH IS YOURS? YEA THATS WHY ITS CALLED IDENTITY THEFT IF IT WASN'T MINE IT WOULDN'T BE ON MY CREDIT ILL GO AHEAD AND ATTACH THAT LETTER THEY SENT MY XXXX CREDIT REPORT WHERE THE ADDRESS NO LONGER SHOWS BECAUSE I DISPUTED IT AND FTC REPORT WHICH WILL BE PAGE 12 THAT SHOWS MY REAL PHONE NUMBER ADDRESS AND DISPUTED ITEMS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). I know that this will affect me with my futures credit transaction and so, I would like it to be taken care of.
Product: Credit reporting or other personal consumer reports

As I perused my report from the year 2016, a disquieting realization dawned upon me : certain aspects remained woefully incomplete and alarmingly inaccurate. In accordance with the stipulations set forth by the Fair Credit Reporting Act, it is incumbent upon consumer reporting agencies to adhere to reasonable procedures, ensuring the utmost accuracy in the information pertaining to the individual in question. 


I sent a letter requesting that they re-investigate the accounts listed below because... 

Accounts XXXX XXXX Not reporting accurately and being incorrect. 
XXXX Not reporting accurately and being incorrect. 
XXXX XXXX Not reporting accurately and being incorrect. 
XXXX XXXX reporting accurately and being incorrect. 

XXXX XXXX XXXX XXXX reporting accurately and being incorrect. 
XXXX XXXX XXXX XXXX reporting accurately and being incorrect. 
XXXX XXXX XXXX reporting accurately and being incorrect. 
XXXX XXXX ( bank ) - Not reporting accurately and being incorrect. 


I have yet to receive a response from them ; enclosed is my tracking number. Might you be so kind as to investigate this matter on my behalf?
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Negative Amounts from Credit Report XXXX  XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally request the removal of negative amounts from my credit report. Upon reviewing my credit report, I noticed several negative entries that I believe inaccurately reflect my financial history. I have outlined these discrepancies below : XXXX XXXXXXXX XXXX : XXXX / XX/XX/XXXX ( Negative Account ) XXXX XXXXXXXX XXXX : XXXX XX/XX/XXXX ( Negative Account ) XXXX XXXX  : XXXX XX/XX/XXXX ( Negative Account ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Negative Account ) I would like to emphasize that these negative entries are erroneous and do not accurately reflect my financial behavior. I have diligently maintained timely payments on all my accounts and have taken proactive steps to improve my creditworthiness. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate these discrepancies and remove any inaccurate negative amounts from my credit report promptly. I have enclosed copies of supporting documents, including payment records and correspondence with the respective creditors, to assist with your investigation. I understand the importance of an accurate credit report in facilitating fair access to credit and financial opportunities. Therefore, I urge you to expedite the resolution of this matter and provide me with an updated credit report reflecting the removal of the erroneous negative amounts. Please inform me of the outcome of your investigation and the actions taken to rectify the inaccuracies on my credit report. I can be reached at ( XXXX ) or via email at ( XXXX ), should you require any further information or clarification. Thank you for your attention to this matter. I look forward to a prompt resolution. 

Under The Fair Credit Reporting Act 15 U.S. Code 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been neglecting my requests for the removal of the fraudulent information on my file despite the multiple written appeals that I have been sending to them. The last letter I sent to Experian was XX/XX/2022, with complete attachments of my personal information to remove the accounts and information reporting on my Credit File that are completely UNKNOWN to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any accounts or information not later than 4 business days after XX/XX/2022. Ive already included these items in my previous Complaints & I am including them again : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have never had any contact with this company, nor did I conduct any business with such company, If there is any contract signed by me and them, Perhaps then and only then I would address this illegitimate claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries that I dont know aboutXXXX XXXX XXXX XXXX Discover Financial Ser, XXXX Discover Financial SerXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

A fraudulent seller on XXXXXXXX XXXX with the fake name XXXX XXXX was selling a XXXX airfryer. The merchant promised me after I send him my address and I pay him with the XXXX  payment service he would ship the air fryer the next day and message me the tracking number .Once I sent him the money through XXXX I noticed that the app said the money was sent to XXXX XXXX from the XXXX XXXX which does not match the name XXXX XXXX XXXX He promised me that he will message me the tracking number and ship the air fryer the next day, he never shipped the airfryer and never responded to me and he blocked me
Product: Credit reporting or other personal consumer reports

TransUnion is violating 15 usc 1681b2 and rule 9037 privacy protection for filings made with courts. They have also violated 15 USC 1681i ( a ) for a failure to conduct a proper investigation. I have tried multiple times to resolve this issue for TransUnion to investigate these 2 bankruptcies. The first letter I sent was for them to re-investigate on XX/XX/XXXX, and verified. However, on XX/XX/XXXX I sent out a follow-up letter requesting the description of the investigation pursuant to 15 USC 1681l ( 7 ). XXXX and TransUnion have both deleted the 2 bankruptcies from my credit report yet TransUnion still hasn't removed it. There is absolutely no way that you can prove to me that this bankruptcy is mine. Rule 9037 Protection for filings made with the court states requires certain personal identifier information to be Redacted from documents filed with the courts. Filing that contains an individual social security number, Taxpayer identification number, date of birth, name or minor, or account number may include : 1. The last 4 of the Social Security Number and Tax Identification Number 2. The year of the individual birth. And the last 4 digits of the financial account number. There is no way you can say with certainty that this is my bankruptcy without this information. This needs to be removed immediately as the rule of 9037 is saying. This information is not permissible. These two bankruptcies need to be deleted from my consumer report for violating 15 USC 1691i failure to conduct a proper investigation purpose. 15 USC 168i ( 7 ) failure to give a description of investigation and rule 9037 privacy protection from the courts.
Product: Mortgage

Closed on a refinance final docs signed XX/XX/19 Monday, I was told funding would occur that Friday XX/XX/19 via fedwire from XXXX. Called Freedom Mortgage to inquire why funding to my personal account has not happen in which they explained in did and it was funded. XXXX bank has no record on fedwire either and that they Freedom Mortgage would reach out sometime next week to XXXX to find out what happen ( delay tactics ). This just seems fraudulent behavior in the extreme by a mortgage company
Product: Credit reporting, credit repair services, or other personal consumer reports

In attempting to access TransUnion credit report, TransUnion had me create an account and provide credit card information for presumed identity verification purposes ( appeared to be a part of account creation, no product description, recurring fee details, or indication that the card would be charged by TransUnion for any amount for any paid service ). 
Process of " creating a FREE a account '' is intentionally and purposefully designed to mislead users attempting to create an account to view possible credit monitoring products, access their credit report ( possible through both XXXX  and XXXX  account creation processes and websites ). 

As a victim of the credit reporting agencies data breach, and subsequent victimization by identity theft as a direct result of said breach, it is both demeaning and insulting to then be victimized by a credit reporting agency while attempting to access my credit report in order to rectify the financial and personal harm inflicted by the data breach. 

While I am relatively competent navigating complex sites in order to find the information I need in order to resolve an issue, the amount of difficulty I had with this incident is alarming in that the number of consumers affected by these deceptive practices ( which exist despite multiple adverse CFPB actions for similar practices within the past year ) who are vulnerable consumers, elderly, or unable to readily access a personal computer, landline telephone, or unable to lose pay in order to counteract the deceptive practices of TransUnion. 

TransUnion reference # XXXX ( account closed, refund for amount $ XXXX  subsequent to bringing up CFPB complaint process ). 
Federal Trade Commission Identify Theft Report # : XXXX Regards, XXXX XXXX XXXX
Product: Credit card

Payments were never late. 15 U.S. Code 1666b
Product: Credit reporting or other personal consumer reports

I Recently Received A Copy Of My Credit Report & Notied They Where Fraudulent Activity.