23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My wife and I have several IRAs with PNC Bank. We have had trouble with this bank when we moved because they can not get a simple address change done. Apparently when the address is changed it does not get to all their systems, and they continue to send statements to an old address. The current address problem started when we moved and changed our address in approximately XX/XX/XXXX or XX/XX/2013. PNC assured us several times that the address change was done on all of our accounts, however they continued to have the old address on some accounts, and sent out mail to our old address. This involved numerous calls to PNC customer service and at least two corporate complaints, and hours of frustration for my wife and me. Each time they " assure '' us that they have the correct address on all accounts. The problem with that is our statement ( s ) are mailed to the old address, which is a highly concerning security issue with us. This year our end of the year statements arrived on all our IRAs except for one of my accounts. My wife called PNC IRA department, this month with my permission to discuss and handle anything regarding my accounts, and they still showed the old address from XX/XX/2013 on this account! My wife handles our business and I always give the bank verbal permission on the phone for them to talk to my wife. We have been trying for 4 years to get this right! We have again complained to PNC and have been assured someone will call my wife back to let us know the problem is resolved, but they have not. A follow up call still did not get a response. With our experience in the past 4 years, we doubt that they will get it resolved. Four years is a long time to have something as basic as an address change not done correctly. The problem has to be systemic. The problems in the past have sometimes been explained as caused by the fact that we have a P O Box. We have always given our home address which we understand the bank must have for their records, however we have requested all our mail go to our P O box. Another time they said the change did not get done in the IRA department. Other times, no explanation was given. The formal complaint I have done this year with PNC has a complaint number, which we can provide to you otherwise in this process, to protect our privacy. I urge you to investigate this thoroughly because if we have such a chronic problem with PNC address changes, other people must be having the same problem. I give permission to your agency to discuss this complaint with my wife.
Product: Mortgage

I am asking for your help in reguards to a Paid off HELOC that matured on XXXX, it was a 20 year HELOC that had XXXX payments and XXXX final ballone payment to be made. I paid off the total balance in XXXX of 2023 about a month early. The product had a maturity date of XXXX. Till this date of XXXX i have not received my payoff or satisfaction of mortagage doccument. On XXXX i went to my insurance agent to ask for coverage changes and to have regions bank taken off policy, but agent told me that i needed my satisfaction of mortagage doccumentation. I then went to the branch and talked with XXXX about this doccumentation and asked him to please make contact with the banks office that handles this ite. XXXX the XXXX associate then said that they were not able to do this from the branch and the agent was ablt to make the changes i desired. I then went back to the XXXX agent telling him what XXXX had said and stated no XXXX we can not do like this, we need the satisfaction doccument. So as of XXXX i have no insurance coverage, again talked with my insurance agent about a another policy, but is costing around {$950.00} dollars more, see the company i was with for about 3 years was around {$2200.00} and new policy is around {$950.00} more. I have asked regions for a arbitrator as per there HELOC specs, but they have given me no answere at all. What they have pushed me into is not right. On around XXXX talked ato a Regions Rep. named XXXX who has been very helpful in trying to fix this. But at one time i was told that i had to request that the product be closed out. But two items one i had Regions sendine me 6 months prior every other month that HEOLC was maturing and need to be aware that a pay off was needed, so why didnt they close product out and send me my notice of satisfaction which as of to day have not received yet.
Product: Debt collection

I received a letter from American Coradius International concerning a XXXX account that had not been paid. Initially thought it as a scam but decided to do some research. Many threads on XXXX website indicate this is not a scam but identity theft situation. Found the number for the debt company and called. They did not phish for any private information and explained that all it takes to open a XXXX account is someones address, name and an email address. She explained that your address and name are public information. She said that she would report the debt as identity theft to XXXX and I would not hear from them again. XXXX should require more verification to open an account and not put thousands of people in this position.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect addresses are reporting on my credit report. Ive sent numerous letters to the bureaus demanding to delete the incorrect information on my report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not my address. 

Also inquiries are reporting on my credit report that I dont recognize XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I was reviewing my credit report and seen some inaccuracies on my file XXXX and Equifax both delete the following account due to not being able to accurately verify it. i would like to delete my hard inquiry due to an inaccurate credit check
Product: Credit reporting or other personal consumer reports

I am having difficulty with Transunion. 

Transunion made a grave error on XX/XX/XXXX. I had fraudulent activity on my account which started XX/XX/XXXX. The only way that I found out about it was on XX/XX/XXXX, I opened a letter from XXXX asking me to contact them if I did not recently apply for a card from them. I didn't so I called them immediately. They closed the fraudulent application. I then looked up my credit reports and found XXXX unauthorized hard inquiries on my account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX - all occurring between XX/XX/XXXX and XX/XX/XXXX. When I checked my Transunion file under the section Inquiry Analysis-I found that Transunion sent my credit report to XXXX addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This is my old address. I haven't lived there in XXXX years! The second address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -I HAVE NEVER LIVED IN FLORIDA! When I attached documentation to support their error, the following happened : They removed it from the Inquiry Analysis Section and kept the one from my old address in an attempt to hide the fact that they made a significant error - exposing my credit report to a someone impersonating me. Then, I mailed them a copy of the error - showing that they are attempting to hide the fact that they sent my credit report out to someone in Florida- after I provided them with a copy of my social security card, Driver 's License, and current utility bill. I asked them in writing how where they going to compensate me for this egregious error. When I opened my credit report up TODAY, XX/XX/XXXX, They made XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX my other address!! Why would they do this after I uploaded documentation online to state that I have never lived there, I wrote them approximately XXXX pages and I stated that I have never lived there. I visited XXXX as a child over XXXX years ago! I have NEVER lived in Florida. They are attempting to hid an egregious error on their part! Even after I placed a fraud report on my file. What are they attempting to do? Why would you make this my other address after I told you via phone, via chat, via uploading documentation, via writing you personally - that I have NEVER lived in Florida! They are still exposing me to predators!
Product: Mortgage

I purchased my home mid year XXXX. Due to a company error, they did not update my taxes or insurance amounts to accurately recalculate my monthly payments since XXXX. They have since stated that once an audit was completed in XX/XX/XXXX, my monthly payments would increase to retroactively pay back the increased taxes and homeowners insurance since XXXX. They have not informed me of any increases until XX/XX/XXXX which would have taken effect XX/XX/XXXX. Due to their known error and lack of the 45 day acknowledgement period, they had to rescind the XX/XX/XXXX bill and revert it back to the normal monthly amount. Because I have not been notified of any increases and they did not do their due diligence of informing me of any payment increases or increasing my payments, they are now stating that my escrow account is over $ XXXX short. This is absurd! My statements have been the same amount and have been paid accordingly. No recalculations were completed nor was I notified accurately or in a timely manner and now I owe this obscene amount due to a company error?? For over 1.5 years?? Absolutely not. This is not ok! I am fine with paying the increase as of the date that I am informed going forward but I will not backpay for things that were not updated accurately nor was I notified for fairly. This is not good business at all! Movement Mortgage will never get my business again and I will be sure to spread the word very swiftly!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX  XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$4200.00} XXXX  XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instru

ctions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC is reporting incorrect information to XXXX. My report shows the wrong closure date, phone numbers that are not associated with me, previous account status as being overdrawn and driver 's license ID that doesn't belong to me
Product: Credit card or prepaid card

I applied for and opened a new Spark Business Rewards Credit Card in the beginning of XX/XX/2019. Before I received it my wife received an offer for the SAME card with better promotional terms/bonuses AND and lower annual fee. Upon calling the company they informed me that nothing could be done without closing the account, reapplying for the new card with a new credit check and new inquiries on the credit report ( which was done one week prior ).

I understand the promotional terms change on cards from time to time and that is perfectly acceptable. But these more beneficial promotional terms are being unfairly sent to specific people. New promotions are not being offered to all of the public equally. Understandably, certain promotions are based on credit worthiness, but everyone should equally be given the chance to apply for a card with same promotional terms available.. The application process should be used to determine if one 's credit worthiness is sufficient to receive the particular card. Still, as of today ( XX/XX/19 ), these promotions are NOT being offered on the capital one website to the general public, but are being solicited to specific individuals ( regardless if they own a business or not ). I applied for my card on the website without any solicitation and was not offered these terms and I am still not being offered these terms. I understand the purpose of solicitations, however unequal treatment of who these terms are being offered too and not making them available to anyone applying for the card is unacceptable, not to mention discriminatory.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my credit report and express my concern that my disputes are not being properly reviewed or reinvestigated, as required under the Fair Credit Reporting Act ( FCRA ). My personal information is as follows Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Last Four Digits of SSN : XXXX I have submitted disputes regarding incorrect information showing up on my credit report .However, my investigations have shown that XXXX is not adequately addressing these issues by failing to : 1. Conduct a reasonable reinvestigation.

2. Forward all relevant information to furnishers.

3. Clearly communicate the outcome of the dispute resolution.

This neglect to comply with the provisions of the FCRA directly impacts my ability to secure fair financial opportunities. I request that XXXX thoroughly review my disputes and provide : Confirmation of a comprehensive reinvestigation. 
A clear and detailed written response outlining the results of the reinvestigation.


Assurance that inaccurate or unverifiable information will be removed promptly. I expect a response within the 30-day timef
rame required by law and a resolution that ensures the accuracy of my consumer report. If Experian continues to disregard these obligations, I will explore further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Ok also having Issues with Inconsistent Reporting : I have noticed discrepancies between the information reported by XXXX, XXXX, and TransUnion on my credit report. These differences have raised significant concerns about the accuracy of the information reported. I am formally requesting that any inaccurate, unverifiable, or outdated information be removed or corrected across all three credit reporting agencies to ensure consistency and accuracy. 

Failure to Conduct Proper Investigations : Additionally, I am concerned that previous disputes submitted to your agency have not been properly reviewed. It appears that : 1. Reasonable reinvestigations were not conducted.

2. Relevant information was not forwarded to furnishers for further verification.

3. Inconsistent data remains unaddressed across all agencies. 

These issues significantly affect my financial opportunities and violate the rights afforded to me under the FCRA. 

Requested Actions : 1. Conduct a thorough and reasonable reinvestigation of the disputed information.

2. Communicate with the furnishers of the disputed items to verify their accuracy.

3. Remove or correct any inaccurate, unverifiable, or outdated information.

4. Ensure that consistent and accurate information is reflected across all three credit reporting agencies.

5. Provide a detailed written response outlining the results of the investigation. 

I expect a response within the legally required 30-day timeframe. If these issues remain unresolved, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or consider further legal action. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint multiple times to the credit bureaus regarding my paid student loan with XXXX XXXX XXXX. The loan was opened in XXXX and paid off in full in the spring of XXXX. There is a " failed to pay '' negative on my accts history from XX/XX/XXXX with Experian. Again this loan was paid in full last year. Initially the error on the acct that I made my first complaint was concerning a balance that they falsely reported in XXXX. That was reported to XXXX. They deleted the acct entirely due to my dispute and the XXXX XXXX XXXX   not getting it right. Then a month later I have the same issue, but now with Experian. Once again, I disputed it. The result of that dispute was Experian corrected the reporting of having a balance but change one mistake to another in now having this negative entry of a missed payment. So ... .again I dispute and make a complaint with you guys. To no avail as you seee because I am once again making another complaint for the same acct. I am really fed up with all of the problems with this particular acct and its mistakes. It has already cost me to loss one house that I was trying to close on but I couldn't secure the loan due to these errors. This is my second attempt at making a complaint with The Consumer Financial Protection Bureau and I really don't know where to turn next aside from contacting a lawyer. The failure of the XXXX XXXX XXXX XXXX to correctly report on my loan is drastically effecting my life and the mental anguish behind having to run behind this to correct it is becoming like a second job in which I really don't have time for.
Product: Credit reporting or other personal consumer reports

In XXXX, my loan car was involved in an accident, and the insurance company admitted that the car was a total loss .Due to poor communication between the bank and the insurance company, I received a late payment notice despite being assured that everything was fine and that I did not need to worry. I later discovered that the bank had returned the check to the insurance company for the loss. Despite this occurrence, I was not promptly notified of the issue until the payment deadline had passed. Moreover, during this time I was in the XXXX doing basic training and wasn't able to stay in touch every day. I pay all my bills on time and have never had any issues with any bank. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account # XXXX. Account name : XXXX XXXX, Account # XXXX. Account name : XXXX, Account # XXXX. Account name : XXXX XXXX XXXX, Account # XXXX. Account Name : XXXX XXXX XXXX XXXX Account # XXXX. Account Name : XXXX, Account # XXXX. Account Name : XXXX XXXX  XXXX, Account # XXXX. Account Name : XXXX XXXX, Account # XXXX. Account Name : XXXX, Account # XXXX. Account Name : XXXX XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

We got a new mortgage payment from Suntrust Mortgage. They are increasing our monthly payment from {$1400.00} to {$1800.00}. We have revised the information ( see attachment ) and all numbers are the same for the new monthly payment except the property taxes. We went to XXXX county and they increased our taxes by {$98.00} per monthy but Suntrust Mortgage is increasign our montlhy payment by {$390.00}. We do n't have budget to pay this new mortgage payment.
Product: Debt collection

Hello, and I hope all is well. While reviewing the credit profile to XXXX, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX has a third-party collection agency that failed to comply with the Federal Credit Reporting Act. Credit Collection Services has purchased a debt already satisfied with the primary creditor. With the continued failed practices, this is a violation of the law, which continues to decrease my credit score  along with the creditworthiness