23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I purchased a 2017 XXXX from XXXX XXXX in XXXX, I had already been pre approved by an institution I've had a car loan with previously, the process went way into the late hours of XX/XX/XXXX into the early hours of the XXXX. There were 3 or more contracts drawn due to mistakes. There were a few things represented to me about the vehicle that just are not true, and I contacted the sales guy a day or two after about the transmission, but when I got a statement 3 days before due to a ALLY financial, the payment was 200 dollars higher, and on top of that they only allowed XXXX for my trade in which books for 5-6 thousand XXXX XXXX XXXX, I contacted them, made the 1st payment and demanded this be corrected, and that this is not the contract that I had agreed to. ( my name was not signed the way I sign it on this contract, the amounts were wrong, and my wishes to not have any hard inquiries, and use the creditor of my choice were ignored, along with the wrong address on the contract which is why one of them needed re written after I pointed it out to the finance guy ) they have harassed me and also harassed a family member by phone, telling them about my debt. I was advised that I signed the contract and I have no other choice but to pay this ridiculous amount, so I filed a dispute with XXXX, and sent them ( ALLY ) a validation demand via certified mail. They continued harassing, ignored my demand, and even repossessed the vehicle, this violates my consumer rights which I stated on their recorded phone lines at which reserving my rights, particularly ucc 1-308, and Ill pay the amount I agreed to, but I will not accept this misrepresented contract, I also contacted the dealership, and was hung up on after asking for a manager. My name is copyrighted so they have also defamed my name through false reporting to the credit bureaus. Please help me get this straight.
Product: Checking or savings account

Upon reviewed my files, I notice a Wells Fargo Checking and Credit Account open under my information without authorization and permission, I notice there is predatory practice by the institution to incurred a large amount of transaction and keep incurred hidden fees without my permission and acknowledgment.
Product: Credit reporting

I filed bankruptcy on XXXX XXXX, and my mortgage loan with XXXX/XXXX was reaffirmed. 
Since XXXX XXXX, I was unable to pay for my mortgage due to financial difficulties. XXXX XXXX XXXX reinstated the mortgage loan since XXXX XXXX. 
I have been paying on time my monthly mortgage of {$3400.00} since XXXX XXXX. My current balance is {$460000.00} with an adjustable mortgage loan. 
I have been contacting XXXX XXXX XXXX to report my mortgage loan to all the credit bureau and they are refusing even though I provided them a copy of my bankruptcy report. My lawyer also contacted XXXX XXXX XXXX to explain to them that my mortgage loan is a valid debt and was reaffirmed. 
It is now impossible to refinance with XXXX XXXX XXXX or any lender for that matter. 
I am please asking you to help me resolve this issue with XXXX XXXX XXXX. 
Thank you for your cooperation and understanding.
Product: Checking or savings account

I opened a PNC Account on XX/XX/XXXX giving the bank attendant my PA Drivers license that states my name, XXXX XXXX. The person who opened the account for myself, and my son stated that they ( PNC ) had me in their system from back in XXXX as XXXX XXXX, my then married name and that it would be easier if I kept my name as it was in their system even though I gave her my drivers license stating my name as XXXX XXXX. I called on XXXX XXXX, XXXX and asked to close my account since I had seen that my son had changed the overdraft protection on the account and that there was a negative balance of $ XXXX. I called the PNC Bank ( location XXXX XXXX XXXX, XXXX XXXX, PA XXXX ) asking if I could make an appointment to come in and pay off the negative balance and then close the account. They said I would have to bring my divorce decree showing the name change ...!!!???? I was divorced in XXXX and do not have such paperwork anymore nor should I have to since I didn't sign up as XXXX XXXX because that is not my name anymore! It was in XXXX but I opened this account in XXXX using my name XXXX XXXX. They won't let me close my account because of their own choice of what my name should be.
Product: Credit reporting or other personal consumer reports

This Experian Consumer reporting Agency is generating false reports for XXXX XXXX. This is NOT the first complaint issued to this company regarding this issue, this company is violating my Rights under Truth and Lending Laws as well as violating my Consumer RightsAnd I am seeing remedy I am requesting the CFPB to open an investigation NOT JUST MAKE A REPORT! 
As I stated this violation is on going since XX/XX/year>. 
The response from the company is we are reviewing your complaint, This is Not acceptable I the CONSUMER has requested my report to be accurate and correct. This is to be done IMMEDIATELY upon Consumer request. 
Every DAY and every MONTH and every YEAR this incorrect info is sent to potential Creditors of XXXX XXXX and the consumer is being denied extinction of his Credit due to this Companys inaccurate Report. 
This am requesting action be takin by th CFPB for this violation, NOT just a Report made.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX card was close then re open once I paid it off XXXX dollars was the agreement. This was sent to my credit not paid. Then I purchase form they store again which the order was never delivered. Put in a claim in the give me credit. The company was called not just once to resolve this problem on the item not being delivered to the right apartment. Not it was reported lost ant they tried to tell me to call the company again and I have for two years since.
Product: Mortgage

I am writing to request your assistance in getting the PMI off my mortgage loan. 
In XXXX, with the help of my family, I bought a home for myself ( a single mom ) and three sons The mortgage was in the name of XXXX & XXXX XXXX ( my sister and brother-in-law, with my name on the title ) ; the amount of the original mortgage was {$120000.00}, including home owners insurance, interest and PMI. 
At the time of the closing, we were told the PMI would be automatically dropped once I established a consistent, timely, and good payments ; probably within two years In XXXX, the housing market fell, and like many homeowners I now owed more than my house was worth Unlike many homeowners ( or banks ), I did n't walk away from my responsibility I kept making payments However, now the PMI had a new rule : the house had to be paid to 20 % of its original worth, in order for the PMI to be dropped. Since my house was now worth little more than half of what we originally paid, this goal was no longer an option. 
In XXXX, we refinanced {$97000.00} for a lower interest rate The lender was Green Tree Servicing LLC, XXXX, XXXX , XXXX XXXX, MN XXXX Account # XXXX. Again we were told the PMI would automatically come off after a history of payments was established. After refinancing, we also put an upstairs addition on the house, adding XXXX bedrooms and another bathroom, paid for with my own money. 
In XXXX, my loan was sold to and is currently : Ditech, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX. Monday-Friday XXXX ; Saturday XXXX XXXX Account # XXXX. 
My Mortgage started at {$120000.00} today the balance is at {$77000.00}. In fourteen years, I have not missed a single payment, nor was I a single day late. In fact, for the past two years, I have been putting approximately {$100.00} extra a month on the principle of my loan. 
This time when I called to have the PMI removed, I was told I would have to pay {$1000.00} to have one of their appraiser 's come out to access my home. This is almost equivalent to a year of PMI! My understanding has always been that the lender would drop the PMI automatically, when the balance of my mortgage fell to 80 percent of the original value of my home. 
I feel victimized. There does n't seem to be an end to the PMI on my mortgage. The finish line keeps getting pushed away. The rules keep changing. 
I would greatly appreciate your assistance in this matter. If you need additional information please call me at ( XXXX ) XXXX. Or email me at : XXXX. 
Is n't it odd that my mortgage was sold to a company that exists at the same address as the previous company?? 
Thank you for your assistance in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested repeatedly for the company XXXX XXXX and also Experian, XXXX, and XXXX to validate the debt that keeps sending to me claiming that I owe. I have since sought legal counsel since my requests are going ignored which is a violation of my rights as a consumer. This company XXXX XXXX is not licensed to collect in the State of Tennessee. I have asked for them to repeatedly send their licensing information to prove that they are licensed to be contacting me about paying a debt. I have also asked all 3 credit bureaus to validate this debt. I can tell that a proper validation was not done because if they did they would know that this company can not pursue debt buyer and debt collection activities in my state of residence which is Tennessee. I have attached all paperwork for review of XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living working human being who has rights under 15 USC 1681. 

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

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

I have two tax liens. That were paid. On XX/XX/XXXX. 

We called the credit bureau ( Transunion ) on XX/XX/XXXX and they advised according to the law passed in XX/XX/XXXX. Liens would be taken off public records. 

All we had to do is send documents showing liens paid in full. 

We sent documents certified mail showing liens paid to transunion. 

We called transunion XX/XX/XXXX Rep advised. Received documents and will update liens paid in full, but will not remove off credit. 

I would like to have this off credit report according to the New public record credit reporting standards XX/XX/XXXX. 

Thank you
Product: Credit reporting or other personal consumer reports

This is a new complaint against the same company, Money Key that was just recently filed on XX/XX/XXXX. In that complaint, this company ran my personal credit report on a soft pull ( 6 ) times on one day, XX/XX/XXXX ( see attached credit report ). This company is known as XXXXXXXX but has different address on soft credit pulll, see attached but the phone number is identical to if called, comes back to Money Key. ( See attached information from XXXX search with same phone number ) After calling this company on XX/XX/XXXX @ XXXXXXXX XXXX Est as in prior, and presently under investigation report with you, case # XXXX. I informed there so-called supervisor of my concerns of pulling my credit report in a soft pull SIX ( 6 ) times in one day, XX/XX/XXXX I also reiterated to this manager of Money Key to remove all information of me from there servers, do not run a soft inquiry again of my credit report and do not contact me again in any way including but not limited to email, written or electronic communication. I then filed the said report with your agency on XX/XX/XXXX against this company, Money Key. Today, on three separate occasions, one at XXXX XXXX EST, another @ XXXX XXXX EST and again @ XXXXXXXX XXXX  for the 3rd time EST. ( see attached call records from my cell phone that this company called at extreme late evening hours of the morning of XX/XX/XXXX. This happened after I just called this company the day before to cease and desist then filed the complaint with the your department which the case # I provided is still pending. This is now harassment, intimidation and abuse of my phone and of me. As a retired law enforcement official, both state and federal, this harassment is taken seriously and this continued harassment of 1st running my credit report on a soft pull 6 six times in one day, then calling and speaking with a manager of this company, Money Key to verbally communicate my desire to stop contacting, running my credit and to have no further contact with me to just ignore my request thats documented in prior complaint pending with pics of call log and credit pulls, now daringly calls my personal cell phone at late hours of the night is completely unacceptable, harassing and violating my rights to privacy. Im also registered on the national do not call list since XX/XX/XXXX and I advise this manager of Money Key of such during my call on XX/XX/XXXX but apparently, decided to ignore my request. This complaint is the 2nd complaint in two days in a row of this company
Product: Debt collection

On XX/XX/2018, I received a debt collection letter from XXXX XXXX XXXX DBA Debt Recovery Solutions in XXXX, NY attempting to collect a {$290.00} debt that is clearly not mine. I contacted the company explaining that the debt is not mine, that I am not related to the debtor or beneficiary of the debt, and that I did not reside in the state where the debt was incurred at the time it was incurred. XXXX responded with a copy of the original invoice, showing the debtor is definitively not me, yet still demanding immediate payment.
Product: Credit card

I originally purchased the XXXX XXXX on XX/XX/2024 for {$6900.00}. In short order, I realized that I was lied to, it was a scam, and it was a pyramid scheme. I contacted them by phone to cancel and dispute the whole amount. XXXX accepted a partial refund of {$4900.00} on XX/XX/2024. That left me with an outstanding credit due of {$1900.00} which I disputed with Bank of America. I sent the bank all of the info they requested and explained the credit breakdown from XXXX. For the XXXX time, B of A has denied my dispute of the any monies paid. I've exhausted my efforts with XXXX and Bank of America Visa card ending in XXXX for the charge made. I have found all sorts of evidence online that the XXXX XXXX is a pyramid scheme designed to prey on people 's most precious assets which are their health and finances. I've made one last attempt to get Bank of America to make this right but I have little faith in them now. I am still due the credit of XXXX
Product: Credit reporting

A cable provider, XXXX XXXX, filed duplicate accounts on my credit report with XXXX. I contacted XXXX and informed them that XXXX XXXX filed duplicate accounts on my credit report. XXXX states they are n't on my credit report, " The disputed accounts XXXX are currently not reporting on your Equifax credit file ''. However, they are still showing on my XXXX credit report which still shows XXXX derogatory accounts, all of which are from XXXX XXXX, and XXXX of the XXXX are duplicate accounts. 

It 's frustrating because I 've contacted XXXX XXXX several times to get the final balance owed resolved. I cancelled my service when I moved from the address to which they provided service and they have the record showing I cancelled my service. However, they continued to charge me for the monthly service and the equipment rental because the equipment was n't returned immediately. Even though I was n't using the equipment and had moved from that location, they kept charging me the monthly service. 

So, XXXX XXXX said they would contact me with the " final '' amount they 'd accept. They never contacted me, and each time I contact them I go through the same experience. No one knows how much I owe them, and because the records are so old they have to research the amount I owe. 

I 'm in a never ending circle of incompetence. The XXXX accounts with the same exact balances show on my credit report as XXXX accounts, and XXXX XXXX ca n't give me an amount I owe them to get the XXXX accounts off my credit report. Craziness! 

So, I 'd appreciate if you can help in any way. It would be helpful to get the XXXX derogatory remarks reduced to XXXX, and to help me get a final balance that is fair so I can pay XXXX XXXX and get the XXXX accounts off my credit report. Otherwise I ca n't pay them and I ca n't get this resolved.
Product: Credit reporting or other personal consumer reports

Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).

Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).

Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3
Product: Credit reporting or other personal consumer reports

This is a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ), pursuant to Consumer Financial Protection Bureau judgement against XXXX ( Case No. XXXX ) and in relation to the difficulties I experienced during the XXXX pandemic which have had a significant impact on my financial situation and credit standing. 

During this challenging period, I held a lease agreement with XXXX. As an employee of a non-profit in the education sector facing financial hardship, I sought to explore options for mitigating my financial burden, including the possibility of amending my lease terms by removing services or paying off the lease prematurely. Regrettably, my attempts to communicate with XXXX were met with insurmountable challenges. The customer service infrastructure, notably the phone tree system, proved to be ineffective and unresponsive, often leading to disconnections or cyclical routing without resolution. Despite repeated attempts over an extended period, my efforts to engage with XXXX to address this matter were unsuccessful. 

Ultimately, resigned to the situation, I prepared for the inevitable repossession of the vehicle. The repossession process was conducted without any prior communication or attempt by XXXX to resolve the issue. This incident, which was avoidable, remains the sole blemish on my otherwise unblemished credit record, and is indicative of an anomaly in XXXX 's business practices at the time. 

Furthermore, I have taken steps to rectify the impact of this incident on my credit reports. This includes submitting requests for the removal of this record to XXXX and TransUnion, specifically citing the CFPB 's XX/XX/2023 judgement against XXXX for related lending misconduct. Despite these bureaus acknowledgment of my requests, no changes have been made to my credit history or scores, and I have not received any substantive explanation for this inaction. 

This unresolved matter has adversely affected my ability to secure a car loan, despite maintaining a credit score in the XXXX. It is my contention that the conduct of XXXX, in this case, is not only inconsistent with the expected standards of customer service but also reflective of the practices for which they were recently sanctioned by the CFPB, and should, therefore, be removed.
Product: Debt collection

I am disputing the collections balance of {$1400.00} under XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX. XXXX 's letter states the original creditor was Citibank , N.A . The Home Depot Consumer Account Number XXXX, however, I personally contacted Home Depot and Citi Bank and they stated they did not recognize the account numbers provided by XXXX. This balance is a result of identity theft. I have reports from credit agencies with proof of multiple addresses, credit cards, and intents to use my identity to sign up for services, which can be provided to CFPB upon request. I have made multiple attempts to contact the XXXX to obtain more information, such as purchase receipt, but they have been unwilling to provide it. Any time I call XXXX, they are threatening and unwilling to provide further information unless I provide personal information, such as SSN and payment information, which is not recommended. I sent XXXX, their lawyers XXXX XXXX XXXX XXXX XXXX XXXX, and credit agencies an FTC Report via certified mail indicating I am an identify theft victim and requesting them to remove the balance. The FTC Report Number is XXXX. I obtained confirmation from USPS that it was received and signed by XXXX, XXXX and the credit agencies, yet both XXXX and XXXX mailed my letter back days later. I have attached the signature confirmations from all companies and dates in which they were received. I also have copies of the signatures which I may provide if requested. To this day, I have not received any response from them regarding the FTC Report I shared.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$210.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XX/XX/XXXX