23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On our mortgage fell below the 78 % required for automatic removal of PMI approximately XX/XX/2019 as required within the Homeowners Protection Act. We have contact PNC to remove the PMI, however this has still not occurred. When we contacted PNC they stated we would receive a response with 10-15 days. It has been over that time frame. We received an additional letter dated XX/XX/XXXXwhich stated we would receive another response within 5 business days. We have still not heard anything related to the removal of PMI, we have spent over 2 hours on hold and nothing has been resolved.
Product: Credit reporting or other personal consumer reports

Today, I discovered a new inquiry from a XXXX XXXX  that I did not authorize or initiate. This discovery has led me to file an Identity Theft Report to protect myself against further damage. 

Regrettably, I am deeply disappointed with the lack of urgency displayed by the XXXX major consumer reporting agencies ( XXXX, XXXX XXXX Equifax ) in addressing my previous correspondence about discrepancies found within my credit reports over the last few months. These agencies failure to comply with the Fair Credit Reporting Act ( FCRA ) guidelines has resulted in continued reporting of derogatory information that does not belong to me and are so inaccurate. I have sent them screenshot of the inconsistency of their reported data and until now, NO changes has been made, the invalid accounts are still there, which are supposedly long been removed and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  was notified about fraud accounts on my file that fraud, ... .. I submitted the documents to have the account block.The Bureau refused to block the accounts over 3 years..Once the XXXX XXXX account was block and added back on file with my knowledge.When I ask Office Of Consumer Finance about why? My question never answered. Which I had over 13 fraud account that was on XXXX And XXXX that been removed over 3 years ago ... The Bureau had block me from monitoring my credit and do n't give any access to Office of Consumer Affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts which first of all were closed in 2016 AND ARE NOT MINE AND HAVE HAD DOCUMENTATION TO PROVE SUCH!! Funny thing is, Im trying to buy a house now, and all of a sudden the information has the dates being closed 2 years ago and 2 1/2 years ago respectively! This is XXXX and I will be contacting the ombudsman because first theyre not legitimate charges and secondly who in the XXXX  $ & do yall think tou are???
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX my trust and falsely reported negative information to my credit report
Product: Credit reporting or other personal consumer reports

Equifax has included fraudulent accounts on my credit report, specifically : XXXX XXXX ( Account # XXXX ) XXXX ( Account # XXXX ) These accounts were opened as a result of identity theft. I filed an FTC Identity Theft Report and submitted disputes with supporting documentation, including proof of identity and address. Equifax has not removed these accounts despite its obligation under FCRA 611 and 609 to investigate and delete unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per 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 the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again. XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$3200.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX  XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Lexis Nexis and spoke with XXXX who froze my credit report at my request. She informed me that I would reduce a confirmation letter and pin to unfreeze muy report in 7-10 days. On XX/XX/XXXX spoke with XXXX who confined that he saw tracking for the letter and pin. He stated they were mailed on XX/XX/XXXX and I would receive the letter, pin and my credit report within 7-10 businesses days from that date. I called again on XX/XX/XXXX exactly 11 days from XX/XX/XXXX and spoke with XXXX who stated that the letter and pin were mailed out on XX/XX/XXXX at my request, which is a completely false statement. They refuse to provide my credit report, as well as my confirmation letter and pin number.
Product: Credit reporting, credit repair services, or other personal consumer reports

To be honest, it's been months since I checked my credit report and I realize some of the information is still wrong. XXXX credit reporting agencies are required to certify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reports as unconfirmed information without providing evidence within the legal deadline is unacceptable. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) Investigate any items that can not be verified and remove them from my report immediately. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I went to XXXX XXXX XXXX and graduated with a XXXX XXXX XXXX XXXX XXXX in management. I was able to walk but refused because my last year, my XXXX  also was shutting down due to mishandling of funds dealing with financial aid. Also, the summer leading into my XXXX XXXX, I was also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I guess apparently, no funds went to my XXXX, just someone elses pockets. On top of that, since the XXXX  closed the degree essentially doesnt even exist to companies, which seems like when I apply for jobs, makes it seems less credible if the XXXX  doesnt exist. As well as them expecting me to pay finances to an entity that doesnt even exist anymore. They even attempted to sue me as well. I also filed the proper documentation when XXXX  close and I sent in multiple times and even called, just for them to tell me they never got it. Before I sent it in, I also made copies, just to show that something fraudulent was occurring but didnt really know who to contact on information dealing with that. My main funds was going through a company called XXXX. And now this debt they want me to pay, is on my credit report, and Im also not sure how some company got ahold of my information either. All these entities are stealing information from the people and are making profits on our information without most knowing. I would definitely like to get the debt off completely, or get a number where I can take some legal action. I just need help, thank you for your time.
Product: Mortgage

We have a home financed by Wells Fargo that was damaged during XXXX in XX/XX/XXXX. They now have a check for insurance proceeds in excess of {$60000.00}. I was told to set up an online account. To date we have only been able to access the account once. We were told by them " it 's a problem '' - fax your mail your docs. It will take XXXX to process after we get them. This has caused me to call XXXX times to follow up. Each time I 'm told something different about how I will actually get a check. First I was told we will automatically get a minimum payment of {$40000.00}. Today I was told that I would n't. They will not release ANY money until the house is complete because we failed to apply for " self contracting '' status before the process started. I explained that was completely " unreasonable ''. I explained that we had no choice to start the work because we had no roof on the house. No contractor would wait for months to get paid so we were forced to pay all bills. We have supplied Wells Fargo with all of the cancelled checks and paid invoices to no avail. They told me that a XXXX that we submitted was rejected by the IRS. Really? I 'm a XXXX and happen to know that XXXX 's do n't go to the IRS. I explained that they do n't need the XXXX because I am the XXXX that needs the form because I paid the bills. They responded with 'but you do n't have self contracting status ''. I asked how do I get that? They said send us a signed letter requesting it. I did that already. Clearly, Wells Fargo makes a game of this entire situation and there is no way to win. The way in which they treat their customers in this way is unconscionable. They are holding our money and we have no recourse or end in sight. To date our house is mostly complete, I went over with them in detail what is complete and that we need XXXX ceiling fans that still need to be installed. I was told that we would get no money until the ceiling fans are in. To sum it up, they are holding {$60000.00}. because of XXXX ceiling fans. The {$60000.00}. also includes over {$8000.00}. of lost rent paid from the insurance company which obviously has nothing to do with the restoration of the home. I asked for that amount and they told me that was our fault because we should have asked the insurance company for XXXX checks. Today, I was told no money until the ceiling fans are in ( they consider them structural ). I 'll have to schedule another inspection that will take XXXX days for someone to call us to schedule then an additional week to wait for the inspection and the another XXXX days to process the report AND then maybe they will put a check in the XXXX mail to us. With all of the banking regulation this must to be a problem. It certainly is a moral issue. What about all of the people who ca n't finish work on their homes because Wells Fargo wo n't release funds to them? This should n't be a game of shuffling customers around in order to hold their money longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX Balance : {$15000.00}
Product: Money transfers

I used western union to send an international money transfer. My receiver went to collect funds and was told that this transaction did exist in their system. I contacted western union and the representative asked me to call back at a later time since their system was down. By the way its almost always down. I used a different money transfer company to resend money and my receiver was able to collect the same day. I contacted western union to request a refund and way denied.
Product: Credit reporting

I 'm filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. The dispute have gone past the 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which ca n't be verified that I have disputed. Please resolve this manner as soon as possible. 
Thank you.
Product: Credit card or prepaid card

Target store credit card lowered my limit from {$1600.00} to {$900.00} for no reason at all.never late never missed payment.because of of this drop they messed up my fico score.no company every did that to me.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to request an investigation of the following information on my credit report : The charge-off of an obligation with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are not mine ; I am not responsible for these accounts ; I am a victim of ID theft. 
People have used my information to open them and make fraudulent activities. 
To further support my claim, I have attached documentation including : the police report from the identity theft complaint, also my Driver license to verify identity
Product: Credit reporting or other personal consumer reports

Dear Transunion : Im responding to the verified no-change letter you sent me for collection account. 
1. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. 15 U.S Code 1667b - Lessees liability on expiration or termination of lease XXXX Account Number : XXXX Please remove it from my credit report. 
4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account is in violation XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. I previously disputed this account. I don't agree with the results of your investigation. Please mail me proof of your investigation or delete the negative information. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  8. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account is in violation XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
9. Please investigate the reporting of this account to determine that it meets FCRA and FDCPA requirements and correct/update this inaccurate record on my credit profile. I was never late on this account. I always paid as agreed. 
XXXXXXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report. 
Based on your recommendation, I sent a letter to the collector asking for the proof of the debt but they never responded Its clear that the account is inaccurate because the collector did not send any valid proof. If they cant prove that the account is accurate, they can not report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 
Thank you Sincerely, XXXX XXXX
Product: Credit card

I am writing to dispute the interest charge of {$56.00} that appeared on my statement dated XX/XX/XXXX. I hold the Capital One Quicksilver credit card, which I acquired in XXXX during a promotional period that included cash back and a specified duration of free interest charges, either 12 or 15 months ( exact term not recalled ). 

My concern arises from the fact that, upon the conclusion of the promotional period, I was charged an interest fee without receiving any prior notification. Despite calling Capital One customer service twice to seek clarification, I have not received any satisfactory resolution. I would like to outline the reasons for my dispute : 1.Lack of Reminder : Throughout the promotional period, I did not receive any reminders via mail, email, or any other communication method informing me of the impending conclusion of the promotional period. While I routinely receive statements reminding me of payment due dates, the absence of reminders about the promotional period 's conclusion seems unfair to consumers. 

2.Difficulty in Recall : It is challenging to remember specific dates from a year ago. Had I been made aware that the promotional terms were ending, I would have proactively paid off the entire statement balance to avoid incurring an interest charge. 

3. Lack of Information Accessibility : Despite my efforts to find information on Capital One 's website and app regarding the expiration of promotional terms, no such information was available. This lack of transparency makes it difficult for consumers to stay informed about the status of their promotional benefits. 

4. Discrepancy in Customer Service Responses : While I encountered a similar situation with another credit card provider ( XXXX XXXX ), their customer service promptly addressed my concern, waiving the charge and refunding the amount. Capital One 's customer service, however, did not provide a comparable resolution.
Product: Credit card

Barclays has an account opened that is not something i consented to or agreed to Barclays account number XXXX. 
This account is fraudulent This account is not my responsibility This account does not have any signature or application or request from me with information. 
This account is not mine. 
Please delete and remove per the FCRA
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Balance : {$1100.00} XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Product: Checking or savings account

Sir or Madame, The Big Tech Payment Platform `` Square Inc. '' debited {$1900.00} from my XXXX XXXX XXXX XXXX savings account on XX/XX/XXXX. The transaction number is XXXX. See the attached debit on the XXXX XXXX XXXX XXXX Account. 

I do not have a Square Inc. account and never have. When I called Square Inc. customer service they told me they could not help and I would have to dispute it at my bank. Can they really debit almost XXXX XXXX XXXX from my account without any authorization? I am not sure if it is a clerical mistake or fraud yet however Square Inc. should be obligated to help retrieve funds they were not authorized to take. 

This is the kind of conduct the attached Attorneys General letter spoke about. 

Can you help?
Product: Debt collection

Purpose : To seek clarification on why the account was supposedly closed and not sold, yet you received a debt collection notice from XXXX XXXX XXXX XXXX. 

Resurgent Capital Services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XX/XX/year> Resurgent Capital Services L.P . 
XXXX Department XXXX XXXX A XXXX, XXXX XXXX XXXX XXXX Re : XXXX XXXX CFPB Case # : XXXX Account Number : XXXX Original Creditor : XXXX Current Owner : LVNV Funding LLC Reference Number : XXXX Dear Resurgent Capital Services XXXX Department XXXX XXXX am writing in reference to your letter dated XX/XX/year>, regarding the above-referenced account. In your correspondence, you stated that after investigating my fraud claim, the decision was made to close the account and that the account would not be sold. Additionally, you mentioned that a request to delete the tradeline from the credit bureaus would be submitted. 

However, on XX/XX/year>, I received a debt collection notice from XXXX XXXX XXXX XXXX ( Reference # : XXXX ), indicating that the account has been sold to them for collection. This contradicts your statement that the account would not be sold. 

I request the following : XXXX. Clarification : An explanation as to why the account was sold to XXXX XXXX XXXX XXXX despite your letter stating otherwise. 
XXXX. Documentation : Any documentation supporting the sale or transfer of this account to XXXX XXXX XXXX XXXX. 
XXXX. Confirmation : A written confirmation that the tradeline deletion process is underway as previously stated. 

Please address this matter promptly to rectify any inaccuracies on my credit report and ensure that my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) are upheld. 

I expect a response within 30 days of receipt of this letter. Failure to respond adequately will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to protect my rights. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my Experian, XXXX  and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, New York XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Credit reporting

Back on XXXX XXXX I filed a complaint about seeing hard inquires on my credit report after I ordered my credit report. I called and mailed Equifax that those Hard Inquires on my credit report that I had no business with those companies. I requested that they remove them. I have been getting the run around with Equifax. I want all those hard inquires removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX CCB/PPC