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

I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also following the XXXX Lawsuit of them reporting misleading information and me not getting any notifications or updates about my report concerns me something fraudulent may have be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent ftc with police report and all the major violaiton
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may Concern First of all please forgive me about my righting skills and spell, I'm dyslexic, Sorry about this.

any ways, I desperately asking that XXXX  Equifax and XXXX  credit burues take a long and hard look at my credit report payment history.

i'm sorry but I fel that i'm being treated very unfairly here. I'm XXXX years old and been at my current employer for over 15 years.

I was brought up as a kid to be very reasonable, if you owe someone money you pay them.

but anyways to the subject here regarding ( XXXXXXXX XXXX XXXX XXXX ) I been a customer of there's for over 3 1/2 years, I had great payment history with them, never missed a single payment, i beg you please look at my account with them you'll see for your self, then the huge pandemic happen, and i feel into the ground, not only with this creditor but others as well because of being laid off, and XXXX XXXX XXXX but as soon as i started working again, I contacted the creditor directly and sent them sevral letters explaining what had happen, they stated they due what they could and thats it.

will nothing i've disputed this with all three credit bures and nothing is happening.

I'm desperately asking for forgiveness here, I don't desver to being thorn in the ground like this with my credit score or credit report, I'm a good hearted XXXX XXXX. 

I contacted the creditors and payed them all in full. I owe a {$0.00} balance on all of theses accounts. Why in the heck would ive payed all theys accounts if i was just being a losser.

no thats not how i was rased. They even had offered me a settlement offer, I choose to pay what i owed includeing all late payment intrest and everything.

Please I beggeing you all to take a strong look at this and give me a little leanaly, Im truely a good guy, pleaee help me with this pleae
Product: Mortgage

I had a mortgage with Wells Fargo on my coop. I paid it off in XXXX. In XXXX I sold my coop. Wells Fargo lost the original stock Certificate and propriatary lease. My coop required a suriety bond to cover these lost documents. Wells Fargo would only cover my lawyer fees to obtain the admission from Wells Fargo that they lost the documents. 
I was required to obtain the suriety bond myself in order to go to voiding before the contract expired.
Product: Credit card or prepaid card

Barclay 's bank reported to the credit agencies a delinquent account after failing to send me a bill or any balance owed notices for the amount of {$6.00} which lowered my credit score by nearly 100 points and will negatively impact my credit score for 7 years. I received a letter from Barclays 's informing me that I needed to use the card in 90 days or they would cancel my card and close my account. I used it for a purchase of {$6.00} and never received any notifications about a balance. I only noticed once my credit report alerted me to the score drop. I spoke to a rep who suggested to write a letter to their credit reporting dept. I received a letter rejecting any wrong doing and refusing any good will adjustments. I think this is a type of abuse because I was sent a letter telling me to use the card in 90 days or they would close/cancel my account, they sent no notifications about the balance owed, no mail nor electronic notifications nor smart phone app notifications. Then had my credit lowered by 100 points for what was only {$6.00}. This is too severe for that amount.
Product: Checking or savings account

Today XXXX XXXX, XXXX, I awaken to check my PNC Bank account to find it was overdrawn with an overdraft fee dated XXXX/XXXX/XXXX of {$36.00}. I transferred funds into my account utilizing XXXX ( a bank transfer system that allows you to transfer cash ). When I contacted customer service I was informed my account was overdrawn on XXXX/XXXX/XXXX but I made numerous deposits since the XXXX therefore it does n't justify a fee added to my account 2 days later with a post date of 4 days later. PNC has unethical banking practices, there is no reason a person accounts becomes overdrawn and they are n't provided an opportunity to bring the account current within a reasonable timeframe. I never received an alert from PNC regarding any overdraft and I have proof the electronic transfer was made within the appropriate time. While on the phone with the customer service representative my account went from being negative XXXX on XXXX/XXXX/XXXX as the rep stated to the XXXX not being on the account in total. I would like a full investigation of my account as I believe PNC is not only conducting unethical banking practices but they are also conducting fraudulent banking practices, that allows customer service representative to make changes on customers account.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX has not updated my account information nor payment details in 2 months. They have now falsely reported my account as delinquent & past due to the credit bureaus, which has now affected my credit. 
I've been on a special payment plan with a minimum payment of XXXX XXXX monthly, since XX/XX/scrub>XXXX  However, XXXX  XXXX have not honored my new payment plan, nor updated my account information/status! I've never made a late payment on my account and have always made the minimum payment due or more. I've contacted their customer service department multiple times about updating my account information & minimum payment due. But I was told that I have to wait at least 90 days and make 3 consecutive {$55.00} payments, in order for my payments and account information to update.
Product: Mortgage

Between XX/XX/ and XX/XX/, Rocket Mortgage paid my homeowners policy 3 times due to the insurance agent 's negligence. The result was my payment going from $ XXXX to $ XXXX. I am XXXX, on XXXX XXXX and diagnosed with XXXX XXXX. I am unable to meet the new payment amount and have gotten past due. Rocket Mortgage had almost the entire month of XXXX to step in and correct the situation but failed to do so. I found out about XXXX of the situation, contacted rocket mortgage and made them aware. However, they knew of the issue around XX/XX/ or sooner as they sent a letter regarding the issue. 

Previously, Rocket Mortgage increase my monthly payment to $ XXXX claiming there was a shortage from the previous year. They do my escrow in XXXX and my homeowners isn't paid until XX/XX/XXXX. I complained to them, my new policy was $ XXXX less this year than last year and stated they were unable to do anything about the payment increase. 

Rocket Mortgage records all phone conversations. I would like transcripts of my calls from XX/XX/2023, to date. 

Recently, I received a Right to Cure letter that I must bring the loan up to date by XX/XX/2023 or be foreclosed upon. I am past due around {$1500.00} due t my inability to pay the $ XXXX. Rocket Mortgage has refunded the overage in my escrow account and applied it towards the past due amount but it is not enough. 

Since this, Rocket Mortgage has ruined my credit. I have had on account closed and another had its credit limit diminished. My credit score which was in the low XXXX is now 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 : 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 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 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. I immediately follow protocol and contacted all three major credit bureaus XXXX, Trans Union, and XXXX. I asked to speak directly with the specialized fraud team at Transunion who is handling my case. I spoke to the fraud department at XXXX and spoke on XXXX to global consumer, all three credit bureaus completely neglected the fact that Ive been a victim of identity theft, and Ive submitted supporting documentation, proving that I was a victim of identity theft, and that the accounts were open fraudulently underneath my name without my consent nor authorization. I submitted police reports dispute letters. I went to the Federal Trade Commission website I completed an FTC identity theft report, affidavit submitted documentation on numerous occasions, and spoke directly with the credit bureaus. I explained my frustration to them and advise them that I was in fact, a victim of identity theft. I have disputed the fraud information and accounts several times and several occasions. Some accounts indeed were blocked. However, they are now showing back on my credit report. I explain to the credit bureaus why this information was showing on my credit report again? the credit bureaus advised me that the account comes back as verifiable I explain to the credit bureau. Of course the account is going to be Verifiable because whoever stole my identity has my accurate information they have my information and thats how they were able to obtain credit underneath my name because they stole my identity. Unfortunately, credit bureaus were not able to delete these accounts from my credit file damaging my name, credit, worthiness and employment. Not to mention they violating several several FCRA laws I even explain to them that under section 604B of the photo credit reporting act. This information must be blocked within four business days. They have completely dismissed any of my complaints ive lost lots of days out of work being on the phone for hours to get a hold of the specific department sometimes the calls drop this has been a nightmare, and I feel helpless because of the only people that can help me which is the credit bureau has failed to protect me as a consumer, even though I have done my part and have provided supporting documentation as per requested, proving that a fact, Ive been a victim of identity theft, and the credit bureaus have failed to do proper investigations and validation of these accounts and result, theyre still on my credit report, and I am demanding for them to be removed immediately. 


XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$30000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$75000.00} XXXX XXXX  XXXX XX/XX/XXXX {$81000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$5000.00} XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX BALANCE XXXX
Product: Credit card or prepaid card

I called the number listed with the Creditor Contact Details. I got no answer at first and after that I got a voice-mail stating it was after hours. But I was never told what company I was attempting to reach, etc.

Creditor Contact Details XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX   *Estimated based on the date of your inquiry and an assumed 2 year expiration period which will not be until XX/XX/2018.
Product: Checking or savings account

Just yesterday i received a letter that stated : " We regret to inform you that, due to recent changes in how we determine account eligibility, we are no longer able to support accounts for businesses with associated addresses located in these countries ( link to mercury website ). As a result, we will be closing the Mercury account for Company Name on XX/XX/year>. ''
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX AND XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Debt collection

Hayt , Hayt & Landau , P.L . Served me a summons & complaint without proper communication prior to being served on XX/XX/22 for the amount of {$2500.00}. I certified mailed a Debt Validation Letter prior to be served which has not been responded to as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian would not allow me to receive my free credit report through their website, so I mailed them a request for a credit report. I mailed the same request to XXXX  at the same time, and received my credit report from them on XX/XX/2020, but have yet to receive anything from Experian.
Product: Credit reporting or other personal consumer reports

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 XXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 
I looked at my XXXX 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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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- ( 1 ) 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 suppose 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 accounts is inaccurate
Product: Money transfer, virtual currency, or money service

I am to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety. XXXX/2022XX/XX/year>
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that the 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX Balance Owed : {$980.00}
Product: Debt collection

Since XXXX of 2019 this account was place on my credit report I called the company to try to get this remove but couldn't talk to anyone due to identity theft so now the account is a charge off is was written off but it state I still owe XXXX dollars I dispute it with XXXX results came back be accurate that is was my account. I do not getting any bills or emails from them stating that this is my bill this has put a damper on my credit report as a delinquent account and can not get approve for a loan even when my score was a XXXX
Product: Money transfer, virtual currency, or money service

I want to make a complaint that pnc is blocking the ability of my XXXX XXXX to be linked to my pnc account and I understand that pnc is blocking the ability of everyone 's XXXX XXXX to be linked to their pnc account.
Product: Checking or savings account

I opened an account at Ally Bank. I deposited {$1000.00} from my XXXX  XXXX XXXX checking account via ACH. Ally says they tried to contact me for identity verification. Since, they say, I didn't respond, they closed the account and locked the funds. When I called, I was told that the only way they'd release the funds is back into my XXXX XXXX XXXX account, on XXXX request. 

XXXX says they have no ability to do this. I have spent hours talking to or waiting on hold with both banks.
Product: Credit card or prepaid card

I recently received a copy of my ( XXXX, XXXX and XXXX ) consumer report, and I noticed some late payments posted on my consumer report : Discover XXXX XXXX Proof enclosed that my late payment was refunded and it is your companies mistake please delete I talked to a consumer service receptive by the name of XXXX who assured me that this error would be corrected and removed from my credit over 60 days ago and it has not been done. 

Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUEDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my Payment history and or delete all late payments from the below account/s Discover # XXXX Proof enclosed that my late payment was refunded and it is your companies mistake please delete Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Student loan

Case Description I am diagnosed as a XXXX long hauler. I have been Unable to work since XX/XX/2021. AES States that they do not fall under the Department of Education so I've had to continue making loan payments. I don't believe the amount we owe on this loan is accurate. Its a consolidation loan that initially came from XXXX and the balance was approximately {$6000.00}. There were years we had forbearances and years that we had deferment because we were both full-time students for approximately seven years. At an interest rate of 4.88 % I can't believe the amount is this high. We also filed it in two bankruptcies and paid interest during both. AES answer now is to continue transferring the loan back-and-forth between them and XXXX to charge additional rates.