23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was taken over from Wachovia by Wells Fargo in XXXX or XXXX. I obtained & have had hazard insurance for a single family dwelling on the property, which is a townhouse, since XXXX, because I did not know any better. No one told me the hazard insurance should be based upon the type of dwelling, and, being a first-time home buyer I was completely ignorant of this fact. The original insurance carrier never asked me the type of dwelling, and I paid them for 20 years and never filed a claim. I decided to change insurance companies in XX/XX/XXXX, due to extremely poor customer service. I secured new hazard insurance for a single family dwelling in XX/XX/XXXX which was then cancelled XX/XX/XXXX, due to the property having the original roof and I could not afford to replace a perfectly good roof. Upon searching for hazard insurance again and seeking help from the management company that collects my HOA dues, I was informed that I needed insurance for a condominium/townhouse not a single family dwelling. I then secured hazard insurance on XX/XX/XXXX, with a different carrier, before the cancellation, for a condominium/townhouse and all the required forms were sent to Wells Fargo on XX/XX/XXXX. I have received two letters from the Insurance Department of Wells Fargo stating that they have imposed lender acquired hazard insurance for the property, which increased my mortgage payment by {$300.00} starting XX/XX/XXXX and to continue for the next 12 months. The first letter dated XX/XX/XXXX, stated nothing was received by them and I needed to submit the Declaration page of my new insurance policy. I called Wells Fargo several times about this issue and was put on hold for lengthy periods of time each time. I was eventually told that the required information was received from my new insurance carrier on XX/XX/XXXX, however, the newly acquired insurance is for a condominium/townhouse and is, apparently, not acceptable to Wells Fargo. The latest correspondence from Wells Fargo, datedXX/XX/XXXX continues to state that hazard insurance is needed on the property, and does not address the issue of having lender imposed hazard insurance when hazard insurance already exists. The people answering the phone at Wells Fargo are not qualified to solve customer issues and are not honest in their responses. I have spent a large amount of time trying to get resolution on the phone and am put on hold for long periods of time and never informed of the proper person to address the specific issue. For example, I spoke to someone who identified herself as XXXX XXXX on XX/XX/XXXX who told me my current insurance documents had been received, that a check would be sent to my insurance carrier ; no check has been sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account with XXXX XXXX is appearing on my credit report. This is a result of identity theft. I have attached a copy of my FTC Fraud affidavit in support. Please block and suppress this incorrect information. 

Account # XXXX
Product: Credit card or prepaid card

On XX/XX/2016 I received an unsolicited call from XXXX XXXX XXXX XXXX, for a website and an online store, I was told they could get this running in 2 weeks and making money in 3 weeks. 
According to the contract I signed I was supposed to receive the following services : A custom Website ; Business Entity Setup ( which they said was key for advertising ) ; Social Media Marketing Setup ( allowing customers to be linked and connected to my site ). 
But soon after I paid them {$7500.00} I never heard from them again. This is the reason I am filing this complaint, even though I called several times tried to get my money back and told them how I was not pleased by the way they were handling things, but they showed no remorse for what they were doing and completely ignored and refused my requests. I have been defrauded and seriously taken advantage of from another telemarking company offering nothing but lies and deceit! They did not provide what I was supposed to receive, and they knowingly did this! 
Please help me get my money back from these conn artist,  I know the FTC is cracking down on many companies such as these for selling deceptive work at home schemes, who have taken millions from consumers. 
Thank you in advance for your help with this matter.
Product: Credit reporting

Experian lowered my credit score by XXXX points on XX/XX/2017. 
I have called them twice to get assistance and the cause of the action. 
Experian refuses to give me facts on why the scored dropped by XXXX points. XXXX @ Experian told be today it was because my credit card balance went from {$200.00} to {$480.00}, the card has a max available credit of {$12000.00}. When I contested his statement he refused to tell me the facts of why my score was lowered by Experian. 

Credit reporting companies are not allowed to arbitrarily change scores. They must provide the facts to the consumers of why they have lowered the scores. They must tell the consumers specifics on the credit report that cause the change in score, not speak in theoretical terms!
Product: Checking or savings account

This is my SECOND complaint against PNC bank. This bank refuses to close my checking account. On XX/XX/XXXX, I traveled to a PNC branch ( XXXX miles round trip ) .They said they could not close it in one day and to return. I returned home and used the PNC website account to close the account ( I was told ). PNC sent me closed account letter. I verified I could not log into the PNC account anymore. 

However, in XXXX I received a WELCOME letter package from PNC saying I had requested an account ( a big XXXX lie ). I filed my first complaint with the Consumer Financial Protection Bureau, which was forwarded to PNC. I received a PNC call a few days later saying they were closing the account. This was all being taken care of they said. ( I doubted that. ) And sure enough today ( XXXX ), I received a PNC Checking Account ( Nov-Dec ) STATEMENT complaining I did not have the required PNC bank XXXX XXXX on file, and directing me to get that done for their FDIC compliance XXXX. ( They used the same account ending with XXXX that was supposed to be closed! ) I called the number and was hung up on when I could not verify my identity by receiving a LINK on my FLIP phone to click on. I have told them repeatedly I do not have a smart phone and to send any verification link to my email address on phone. ( This is the same email address that is tied to my old account. ) They hung up on me. 

PNC bank is no doubt about to start charging me with penalties for not maintaining the minimum required balance and anything else they can conjure up. They are the WORST bank on the planet. They are also engaging in elder abuse harassment and they need to cease and desist! 

Any and all help appreciated to stop this harassment and close this XXXX bank account ( that no one in my family EVER opened ).
Product: Debt collection

I have disputed this Wells Fargo account multiple times with the original creditor directly as well the credit bureaus. There are multiple inaccuracies reporting and all 3 bureaus continue to report the account even though there are blatant inaccuracies. The account is charged off but continues to report activity after the account was charged off by applying multiple charge offs month after month in the payment history damaging my credit score. There high balance amounts vary between the bureaus. The open dates are different between the bureaus. There are multiple dates for the date last active which prolongs how long the account will stay on my report. It also proves the account was re-aged. There are multiple dates listed for the date of last payment. There is no payment history reporting for one of the bureaus about this account. the account number is incomplete between the 3 bureaus. They original creditor has failed to enter a notice of dispute.
Product: Credit reporting or other personal consumer reports

Re : Dispute of XXXX XXXX XXXX Account No. XXXX Dear [ Credit Bureau ], I am writing to formally dispute the inaccurate reporting of the XXXX XXXX XXXX account listed on my credit report. Despite my previous attempts to address this matter, the information continues to be reported inaccurately and in violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681. 

The following issues must be resolved immediately : XXXX. Incorrect Balance Reporting : The account is listed as a charge-off but is still reflecting a balance. This is inaccurate, as charge-off accounts are required to be written off by the creditor as uncollectible. Additionally, charge-offs should be accompanied by the issuance of a 1099-C form if applicable, indicating debt cancellation. Reporting both a balance and a charge-off is misleading and a direct violation of the FCRA. 
XXXX. Verification Process Not Followed : In my previous dispute, I requested a thorough investigation into the accuracy of this account. However, the response I received stated that the information was verified. This response fails to address my specific concerns or provide the evidence necessary to substantiate the validity of the reporting. This does not meet the requirements for proper dispute resolution under the FCRA. 

Given the continued inaccuracies, I am demanding the immediate removal of this account from my credit report. Under FCRA Section 1681i ( a ), I am entitled to a prompt and accurate reinvestigation of disputed information. Failure to comply with these requirements constitutes a violation of federal law. 

As a consumer, I have the right to an accurate credit report. The presence of inaccurate information on my credit report is harmful and may be actionable. I trust that you will take this matter seriously and address it promptly. 

Please provide written confirmation of your investigation and the steps taken to resolve this dispute within XXXX  days of receipt of this letter. If you fail to remove the inaccurate information, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your prompt attention to this matter. Please contact me at [ your phone number ] or [ your email address ] if further information is needed. 

Sincerely, XXXX XXXX XXXX Let me know if youd like to make any adjustments or add additional details.
Product: Credit reporting or other personal consumer reports

I have applied for a personal loan at XXXX XXXX but they keep saying that my credit is frozen. I have called all three major federal credit bureaus in each of them say that my credit is in fact not frozen. Experian said that my credit is not frozen, but some information was wrong and theyre asking me to mail them a copy of my Social Security card and my ID which seems very sketchy and I am uncomfortable with doing that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the homebuying process. I have reported the theft of my identity to the XXXX XXXX XXXX, please review the enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX  XXXX {$12000.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Open Date XX/XX/2015 XXXX : {$500.00}
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


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: Debt collection

On XX/XX/2020, i received an alert from my credit monitoring service regarding the company Receivables Performance taking action to collect an unknown debt owed. I was a victim on identity fraud in the past and have a current statement on all 3 credit agencies already. This company has refused to show proof or signature of any debt i owe to them. I have tried to dispute and reach out to them but they have been unwilling to provide any real proof of this debt to me. The amount they believe i currently owe is {$2300.00}. I have worked hard over the years to repair my credit from fraud, and refuse to let a company or debt collector tarnish my hard work. Please address the issue with said company and help me remove this fraudulent debt. Companies like this make it hard for people like myself to move forward in our financial and business endeavors. The address of the company is : XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX is thier contact number.
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 # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX Account # : XXXX has violated my rights. Or 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

My original loan was {$32000.00}. XXXX bought my loan from XXXX and doubled the amount and then started reporting me late for payments and forcing my account into forbearance. This killed my credit because as he explained any payments I made would only pay off the interest. Not the principal balance. 

How can a company buy your loan and more than double the principle?
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 PLEASE REMOVE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS AND INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to the bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I disputed the fraudulent information with the credit agencies. I did not authorize anyone to use my name or personal information to seek ; money, credit, loans, goods or services described in this report. The credit agencies, refused to remove the fraudulent items after submitting ; FTC report, Police report, credit report, proof of ID and credit report with fraudulent items circled. 


Listed Fraudulent Items below : Account : Account Number : 1. XXXX XXXX XXXX 2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX 4. XXXX / XXXX  XXXX 5. XXXX XXXX DEALER XXXX Wrong Addresses : 1. XXXX XXXX XXXX, XXXX CA XXXX 2. XXXX XXXX XXXX XXXX, XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

Experian will not update my XXXX account. XXXX contacted Experian on XX/XX/year> to inform them of the new balance. As of XX/XX/year>, the balance is {$XXXX}. I called XXXX and they specifically stated that they sent notice to Experian. Then, on XX/XX/XXXX, I opened a dispute with Experian and uploaded the proof. They are showing a balance owed in the amount of {$XXXX}. This is incorrect. They did not update this info and they have closed the dispute. Please escalate this matter as soon as possible. This is preventing me from being financed for a new car.
Product: Checking or savings account

I am the merchant, My bank Chase, issued 12 disputes for one of my customers and charged my account {$510.00} total for the 12. Chase gave this amount to XXXX XXXX, the card holders bank..so they say. XXXX XXXX says there is only 6 disputes for a total of {$240.00} they have for this customer and credited the card holder that {$240.00}. There is a difference of {$270.00} missing out of my account and each bank, Chase and XXXX XXXX is saying it is not them and not their problem. In a nut shell, there has been fraud on this dispute by either Chase or XXXX XXXX. 

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

There was a breach in eauifax and im worried that my personal information has been exposed
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 XXXX  Account Number : XXXX Account Name : 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 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 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 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.