23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my name and address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX Social Security XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX
Product: Vehicle loan or lease

XXXX. Background : o On XX/XX/year>, affiants vehicle was illegally XXXX  by XXXX XXXX ( per, XXXX [ Ally XXXX XXXX  agent ] ), who were contracted by Ally Financial. 
o XXXX only has a contract with Ally Financial for the financing of vehicle. 
XXXX. Violations : o 15 USC 1692f ( 6 ) : No court order was issued for the XXXX  of affiants vehicle. 
o 15 USC 6802 ( a ) : Ally Financial contracted with and exposed/shared affiants personal information with XXXX XXXX, a non-affiliated XXXX party, without affiants knowledge, consent or authorization. 
o 15 USC 6803 : Ally did not provide clear and conspicuous disclosures to affiant o 18 USC 1028A : Ally Financial engaged in Aggravated Identity Theft by knowingly transferring, possessing or using affiants identification without lawful authority.

o 15 USC 1692a : Ally Financial engaged in abusive, deceptive and unfair practices by not informing affiant of the XXXX  and exposing/sharing affiants personal information without lawful authority.

o FTCA Section 5 : Ally Financial engaged in unfair or deceptive, or abusive acts or practices ( UDAAP ) by not providing proper disclosures and exposing/sharing affiants personal information without lawful authority.

o Dodd-Frank Act Section 1036 : Ally engaged in unfair, deceptive, or abusive acts or practices ( UDAAP ) by not providing proper disclosures and exposing/sharing affiants personal information without lawful authority. 
o XXXX peacefully objected to XXXX XXXX agent actions and asked agent to leave property. Per XXXX  XXXX XXXX regarding breach of peace, agent legally should have ceased/stopped XXXX  and obtained a court order to legally conduct XXXX. This claim be corroborated by a witness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not Authorize, consent or benefit from any of the following accounts and inquiries : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The following accounts have Inaccurate reporting. 
Account Name : XXXX XXXX XXXXXXXX Account number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, my direct consolidated loans ( one subsidized, one unsubsidized ) were forgiven the remaining debt after reaching XXXX qualified payments. In XX/XX/XXXX, my XXXX loans ( one subsidized, one unsubsidized ) were forgiven the remaining debt after reaching XXXX qualified payments. The accounts were closed on my credit report in XXXX XXXX XXXX after I filed a dispute resulting from XXXX not reporting the closed accounts. The total amount forgiven from the XXXX loans was approximately {$240000.00}. In XX/XX/XXXX, XXXX reported a single open installment account for the forgiven amount as being due, which just showed up on my XXXX and TransUnion credit reports yesterday, but not on my XXXX credit report. This account is closed and the report of a new account with almost {$240000.00} due has tanked my excellent credit score and will tank it again when it reports closed again. XXXX should not be able to do this as it is both unconscionable and illegal. Also, XXXX has done this to a number of other borrowers in recent months that also received forgiveness for their debt. It is a despicable business decision.
Product: Credit reporting

Hello, Equifax continues to report disputed inaccurate information on my report that had been removed previously as follow : 1. XXXX XXXX XXXX XXXX {$290.00}. This account is not mine and XXXX XXXX has failed to respond to the CFPB in the past with proof of debt. This must be removed. 
2. A closed collection account, # XXXX, remains to be provided on my report with no contact or account information. This must be removed. 

3. XXXX XXXX XXXX. As note din a prior dispute this account payment status is not correct as payments have been made monthly. This must be updated top accurate information or the account information deleted. 

Thank you.
Product: Mortgage

This is in regards to the Guild Mortgage Branch below : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX NMLS ID # XXXX Branch Manager : XXXX XXXX On XX/XX/XXXX I contacted XXXX XXXX based on referral of my real estate agent so I may refinance my two homes, one in XXXX and the other in XX/XX/XXXX At first XXXX was great, very communicative and great to deal with. I would say roughly XX/XX/XXXX was when communication became really bad. I would call or text/e-mail to not get a response or if I got one, would be a day or 2 later. I was told several times that we would be closing on the properties in a week or two. Those weeks became months. I waited on the order for the appraisals and reminded him many times to just not get a response. I finally got an appraisal done on the XXXX home on XX/XX/XXXX, a full 148 days later all while not hearing a thing about the refi in XXXX. 

After being fully frustrated I reached out to the branch manager,  XXXX XXXX in hope to solve this. She transferred me to XXXX XXXX to take over my account which was roughly XX/XX/XXXX. Just like XXXX, the communication was great but quickly dropped off. I was now told from XXXX that I would close the end of XXXX which then turned to the first week of XXXX which then turned to XXXX. The XXXX appraisal was completed XX/XX/XXXX after several requests for it. 

It is now XX/XX/XXXX, I sent an e-mail stating my frustration on XX/XX/XXXX. I have not heard anything back for three weeks. I reached out to both XXXX and XXXX last week to not get a response. I am now at 207 days since I first talked to XXXX. 

Through the process or dealing with XXXX, I would get a random call here and there from XXXX asking for information. My understanding was XXXX was not working on my account anymore yet it seems XXXX was just taking up the communication aspect. It would seem they never were on the same page and I had to send my documents multiple times. I also had to have my credit pulled a second time because they dragged their feet so long, my last report expired, which in turn cost me points on my report. 

This refinance has not only wasted my time but cost me money as well. I paid {$650.00} for the appraisal of the XXXX  home and even kept my XXXX  home out of forbearance which could have been saving me money in this rough time. The point of this was to save money monthly because of the hardships the economy and myself are suffering right now yet I haven't saved anything and only gained a lot of stress and spent money.
Product: Checking or savings account

bank of america closed my checking, savings, credit card account due to some one hacked into my online account and withdrew to a neg bal. i tried to explain i was not at the location stated by the bank bank stated the IP ADD was located in a different state. i have proof that i was in XXXX tx and said day. they closed accounts what money was in accounts was never returned and flagged credit report, and XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My grievance is with Transunion credit agency. I have a New York state tax lien that was filed in 2010 with reference number XXXX. The amount owed was {$950.00}. My paycheck and bank account were garnished and direct deduction made until the money way fully paid. I have since written letters to Transunion and filed an online dispute for the derogatory record to be removed. New York State law stipulated that the record should be removed five years after the lien has been satisfied. I beg you to use your good office to make Transunion comply with this State law. The tax lien was NYS state tax lien and not federal. The state law should be applicable to this lien since they are the originator of the lien.
Product: Debt collection

Midland Credit Management sent me a letter stating that they have tried to contact me about an alleged debt owed and that I would be sued, this was on XX/XX/2020. I have never received any phone calls or letters from this company prior to this threat being sent to me threw the mail. Mail fraud is real, and this company has committed mail fraud. I sent them a letter asking for validation of alleged debt ( signed contract ) but they failed to do so. I am working with the credit bureaus to get this taken off my credit file as their tactics are hurting my reputation per 15 USC 1692d ( 1 ). I have not been able to obtain a job because of this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing the following Inquiries on my credit report, I have reached out to them asking for a full investigation and proof that these in fact belong to me and i have yet to hear from they its been over 45 days i just want them removed from my credit file if there is not proof that i submitted my information for credit with these companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I am on the phone and chatting with two Paypal customer services and they refuse to close my account. In addition, I am still on the phone for over 50 minutes he was yelling at me being very rude. I asked for a supervisor and I am still on the phone waiting. While my friend tape-recorded the conversation. XXXX on chat will not answer my questions or assist me in closing my account. In addition, I can't pay XXXX on the website because the ( Paypal ) website doesn't work. I want to close my Paypal account and I am refused because of retaliation. I already filed with the US Attorney General 's office, US Department of Treasury, and FDIC. 

Paypal ran by Schronony Bank has so many poor ratings it is the worst and they refuse to close my account and has the worst customer service that yells at customers and over 1 hour-long wait times. The customer service needs therapy sessions as they yell at customers and treat customers poorly. I tape-record the conversation and sent it to the federal government. I want my account closed! 

THIS IS NOT A DUPLICATE COMPLAINT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified by XXXX not the company, Equifax, contacting me or sending a letter to me about them having been hacked 41 DAYS AGO!! 

I was later told to go to the website to figure out if I was compromised. I did as instructed but it did not notify me if I was effected or not instead it let me know that I can opt into a credit monitoring service. 

I was not aware nor was there any information of regarding a terms of service saying what would happen if I opted into the credit monitoring service. 

I strongly suggest that Equifax be out of business since it lose the vital information that should be private : social security numbers, drivers license numbers, birthdays and credit card numbers. 

It will effect almost half of the USA and it should be held responsible for any damages that it caused. By paying for damages.
Product: Credit card

I received via e-mail a pre-approved credit card offer from Chase Bank NA. The offer included 9 different card choises all pre-approved. I called Chase Bank on XX/XX/XXXX to inquire if the pre-approaval process required obtaining a credit report. The supervisor i spoke with said " the offers are NOT pre-approved and would require obtaining a hard pull credit reoprt. 

I am a retired XXXX XXXXXXXX and well versed in the credit decision making process. A creditor has the right access the credit risk of a consumer before issuing a credit card. In this case however the promotion does not state pre-approval is subject to hard pull credit file which could negatively affect a consumer 's credit score. Therefore the term PRE-APPROVED is misleading and either say offer subject to credit approval or they should use the term PRE-SELECTED which has a different translation. 

Banks offering credit card promotions such as the offers presented to me incdicate they already use previous history and prior to the offer obtained a soft pull creditl report. The attachments all Pre-Approved. 

XXXX XXXX XXXX
Product: Mortgage

- I currently have a mortgage with a balance of XXXX as of XX/XX/XXXX, held by PNC - At purchase the home was valued at {$520000.00}, XX/XX/XXXX - Since purchase we spent ~ $ XXXX making updates to the interior including re-arranging the floor plan of the unit to add a walk-in closet to the master suite , opening living room, and adding a 13 ' x 7 ' room with a mounted wardrobe ( closet ) and windows as my son 's nursery - After these updates plus monitoring the market in our neighborhood we believed we were below the 80 % LTV required for PMI removal, a payment of {$120.00} per month - PNC required me to pay {$500.00} to use their recommended appraiser, which I did - PNC sent documentation outlining the value required to remove PMI would be ~ {$560000.00} - The appraiser was unable to accommodate a schedule where I would be home, so we left a key and the appraiser evaluated the unit while I was not home as agreed - The appraisal came in at {$560000.00} and also concluded there was no work completed on the unit - PNC then denied our claim for PMI removal due to the 19.91 % equity and stated that since we did not own the unit for 2 years and they defined no work having been completed we would need to make a principal payment of XXXX {$38000.00} to remove PMI - Our appraised value was within 0.09 % of 80 % LTV and our monthly principal payment is ~ {$730.00} which should allow us to hit the 80 % within a month - I attempted to call PNC on MondayXX/XX/XXXX where they told me the PMI team does not take calls and would respond in writing, the response would be available digitally XX/XX/XXXX if I were to call in - During this call I requested repeatedly to speak with a person who could assist, they declined - I called back Friday XX/XX/XXXX at which point they said the PMI team was 'behind ' and they could not offer a solution - I said I would not accept not speaking to a person with no resolution, they said they put in a request for a supervisor to call me back within 1 business day -- despite not offering this option on Monday - I then said I wanted to wait on hold, that was not an option supervisors were on calls - I then said I would wait for call back however in the mean time I was going to contact possible legal resources and the CFPB at which point they 'escalated ' meaning a more senior person would call me within 7 business days - I am hoping to resolve this quickly, after my XX/XX/XXXX payment I will have 20 % equity in my home based on the PNC appraisal I want PMI removed
Product: Mortgage

XXXX XXXX and his family had a substantial loss of income and his current monthly expenses increased, exponentially. As a result of this, he fell behind on his mortgage and it became a snowball effect that he could not manage nor control. He has since then re-assessed and corrected his financial situation and wants to save the home that he resides in, desperately. He is hoping that with the assistance of this formal complaint, that he can have an assistance file reviewed by someone in the Office of the President, or at least an Executive Response Team Member at Mr. Cooper, to have his assistance request reviewed fairly and in a timely manner.
Product: Credit card or prepaid card

JUST LIKE MY WIFE  XXXX   XXXX   XXXX , I MYSELF APPLIED FOR  BARCLAYS  CARD AND WAS DENIED BECAUSE THEY ARE IN AGREEMNET WITH  XXXX . IF THEY CAN NOT GET OUR ELECTRNIC SCORES THEY JUMP TO OTHER BUREAUS W/O PERMISSION.     THIS IS IN VIOLATION DODD-FRANK, F.CA.C.T.A. FACT-ACT ETC.     WE WILL CONTACT OUR ATTORNEYS TO FILE SUIT AGAINST  BARCLAYS  AND   XXXX   FOR THIS ONLINE APPLICATION FRAUD.
Product: Credit card

I have a XXXX XXXX Credit Card account thru TD Bank Account for buying products from XXXX. This year I bought new phone and exchanged by old phone and agreed for the interest free instalmemt payment. 

However, in XXXX  when I purchased new phone replacing the old phone, XXXXTD Bank opened another Credit Card account in my name with same social security number and same credit limit without my knowledge and concent. When I wanted to make the payment, I found my account ( original ), it was showing XXXX balance. Then I called XXXX and TD bank and after several attempts I am told that there new account opened and the balance is shown there. So I questioned them why did open another account in my name : the answer is " Apologies ''. 

In the mean time, the payment was late for a day and TD Bank reported this to the credit bureau and I lost XXXX points which affected my credit standing. 

I called XXXX and TD bank several times to fix this error and they were going back and forth and finally I threatened them that I will complain with CFPB and immediately TD bank reversed the charge. 

Now I have to deal with all credit bureaus to fix this issue. 

Questions should be asked to TD Bank : 1. How did bank open new credit card account where consumer has already got credit card with same credit limit and same SSN? 
2. There is no communication with credit card holder there new account opened? 
3. What internal control bank has to monitor opening credit cards? 

Addresses and telephone numbers : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX TD Retail Card Services, XXXX XXXX XXXX, XXXX, SC XXXX Credit Card accounts involved : Account Number : XXXX XXXX XXXX XXXX ( original ) Account Number : XXXX XXXX XXXX XXXX ( opened without my permission )
Product: Credit card

I was late making payments. My card was cancelled by American Express. And for some reason when your card is cancelled you cant make payments through their App you can only set up auto pay. Making that much harder to make said payment. And my current APR is over 29 %
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid SYNCH/XXXX off because of their outrageously high rates and they reported it as account closed instead of the real reason! TYPICAL XXXX WITH THEM
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act these accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 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 {$170.00} XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX {$360.00} XXXX. XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX  ( XXXX XXXX ) {$300.00} XXXX. XXXX XXXX XXXX. ( XXXX XXXX ) {$550.00} 15 U.S.C 1681 section 602a. States I have the right to privacy 15 U.S.C 1681 section 604a section 2 it also states a company reporting agency can not furnish a account without my written instructions.

15.U.S.C 1618c. ( a ) ( 5 ) section states. that no consumer reporting agency may make any consumer reporting containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-s-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

This account below is seven ears old and should be deleted. 

Account info Account name XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/year> Status Paid, Closed.
Product: Credit card or prepaid card

Bank of America continues to report that I have a delinquent account with an outstanding balance on a closed account. I never received a bill and it was sent to collections even though I made payments in XXXX and XXXX. I spoke with the company via phone during both years and it now still appears as a derogatory account on my account and no one has helped me. I have disputed the companies claims because they sent me to collections and refused to hear my plea during going through a divorce.
Product: Credit card or prepaid card

On XX/XX/XXXX, My wife and I flew back from XXXX XXXX XXXX, Utah back to XXXX XXXX, California. - I returned the vehicle at XXXX ( I have photos of when I dropped off the vehicle with time stamps, baggage receipt from the airline, XXXX receipt from XXXX to home. ) JP Morgan Chase Credit Card sided with XXXX XXXX XXXX XXXX citing that I approved such charge when I didn't. The Vehicle was rented from XXXX XXXX XXXX XXXX in XXXX XXXX XXXX airport. 
My original reservation was for {$330.00} ( XXXX ) XXXX did not check my vehicle back in till XX/XX/XXXX at XXXX and charged my credit card {$1000.00} - I have since submited tons of proof to XXXX and they have yet to get back to me. In the meantime, I am on the hook for an extra {$760.00} plus interest.