23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion are consumer reporting agencies I am the consumer. I have the right to make sure my private information is not shared which is back by 15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

The U.S. Department of Education notified me that my application for Borrower Defense to Repayments discharge of my loans has been approved and that I will receive full relief. Discharging 100 % of the loans, as a result the loans have no remaining balance.

According to The Fair Credit Reporting Act 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

The Family Educational Rights and Privacy Act 20 U.S. Code 1232g ( b ) states No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying XX/XX/XXXX - {$3500.00} XX/XX/XXXX - {$1900.00} XXXX/XXXX/XXXX - {$6000.00} XX/XX/XXXX - {$3300.00} XX/XX/XXXX - {$1500.00} XX/XX/XXXX - {$4500.00} XX/XX/XXXX - {$3000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$3500.00} XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$6000.00} XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$1300.00} XX/XX/XXXX - {$6000.00} XX/XX/XXXX - {$5800.00}
Product: Checking or savings account

On XX/XX/XXXX setup to run payroll with Wave Financial ( waveapps.com ) and entered all banking information required for a direct deposit to one of our employees. The direct deposit was supposed to be completed by XX/XX/XXXX. On XX/XX/XXXX, received an email stating Payroll error and while chatting with their representative asked me to re-enter info. I explained the info entered before is 100 % accurate and how re-entering is going to help. Representative told me, that is the only way to see if it works and it will take 1 business day for success or 5 business days for a failure. 

This is not acceptable as the employee do not get any salary and my company money is further locked for 5 more business days. Also, they do not have any mechanism to do a test direct deposit to verify their system works. This should be investigated.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Hello CFPB, My complaint is regarding the Automatic PMI termination requirement to my loan. After multiple written attempts to PNC Mortgage, I finally received a response to my inquiry about automatic termination of my PMI and whether I had reached the loan to value ( LTV ) threshold for termination. PNC Mortgage provided written correspondence ( dated XX/XX/XXXX ) that stated the following : " At the present time the LTV in your property is XXXX % '' and they went on to communicate how this value is calculated. Instead of communicating that the Homeowners Protection Act requires the PMI I pay on my loan be terminated once I 've met the XXXX % threshold, they provided me with information on how I can Request PMI cancellation and pay for an appraisal through an entity affiliated with PNC. 

I recognized steering me to a cancellation process ( where I have to pay for an appraisal ) might be an oversight because within the letter they also provided me with my " Appraised Value at Loan Origination '' and after applying the calculation within their correspondence letter I calculated the same XXXX % LTV ratio that was quoted by PNC Mortgage. This ratio should trigger automatic PMI termination but it was not communicated in the correspondence ( dated XX/XX/XXXX ) or in the next correspondence ( dated XX/XX/XXXX ), after I brought this to PNC Mortgage 's attention. The follow up correspondence ( dated XX/XX/XXXX ) surprisingly neglected the fact that my LTV ratio is XXXX % and instead communicated that now " The PMI is scheduled to automatically delete on XX/XX/2017 '', when I reach the LTV ratio of XXXX % which is a complete disconnect from the previous correspondence. I have not been provided with adequate correspondence as to why my loan with an LTV ratio of XXXX % is not set to terminate automatically. I should not have to pay for an appraisal based on the requirements within the federal law and now I am paying additional PMI even after reaching the termination threshold under the law. Attached are the two correspondence letters that were provided to me by PNC Mortgage supporting my complaint. 

Best Regards
Product: Credit reporting or other personal consumer reports

Experian closing complaints and cheating me out of 17 months of on time never late payments to XXXX and here 's one from today on there own website
Product: Debt collection

Was misinformed by retailer that I was getting a points card so I signed up and the following day I realized she wasnt right and it was a credit card so I immediately cancelled it and told them why. I never used it and it was likely only open less than XXXX hours to at least less than XXXX hours. Commedity bank is known for being a scam ( says on XXXX site ) and they tried to call me were rude on the phone and saying it would then go in collections if I didnt pay them right then and there. Now I get mail from XXXX XXXX saying I owe almost {$600.00}. I NEVER USED THIS CARD, I never bought anything or had a monthly fee. Nothing. XXXX knows I closed it as it says in documents on my credit karma with the date. I think Im being seriously scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies transunion, XXXX and XXXX. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been on the phone for over 2 hours today and every day trying to get this issue resolved with Citibank. I have a XXXX credit card that was with XXXX XXXX  and was transferred to Citi. I have been paying Citi, never missed a payment, paid over the amount and even have a recent statement on XXXX with a due date of XX/XX/XXXX. 

All of the sudden Citi charges off my account. I tried making a payment online and it reflects that I cant. I called customer service who referred me to the charged off group. They are closed due to the pandemic. 

The customer care rep was able to tell me it was charged off due to my bankruptcy that I filed in XX/XX/XXXX and was discharged in XX/XX/XXXX but I DIDNT GET THE CREDIT CARD UNTIL AFTER THAT!! I got the card in XX/XX/XXXX with XXXX  XXXX. In XX/XX/XXXX the account was transferred to Citibank. By Mid XXXX Citi closed the account without any warning or reasoning. Then when I try to contact this department I can not get ANY ANSWERS. 

This account was paid on time and I even paid OVER the minimum payment required. All I want to do is pay my bill. Then charging it off will negatively affect my credit which should not happen and not just my credit but my authorized user!
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 


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

As of today, I have been unable to access my credit report online. Historically, Transunion has indicated that if a dispute has been opened that online access is not available. 
I have attached a copy of the message error received today from XXXX portal that shows there are no open disputes since XX/XX/2022 and CFPB portal that indicated no dispute is open.
Product: Debt collection

A company called north western services and a woman named XXXX called my employer on behalf of 605 lending. This is the message. This message is for XXXX XXXX This is XXXX XXXX XXXX XXXX XXXX case XXXX XXXX For yourself for your attorney to contact XXXX XXXX Extension I did call back and she stated that I was being sued for fraud by 605 lending and it was on file with XXXX XXXX and that I had to give them my debit information to my account to stop the calls to my job and so I wont go to prison. So I gave it to her. She said they will follow up with an email that I never received. 
I then reached out to a friend who works in a law office and she checked and there was nothing about a case against me for 605 lending. And she told me to report this immediately. I did call XXXX back and said I want all communication to cease and desist and I do not authorize my card to be debited for anything. She continued to say i would be sued and my job contacted, at this time i hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here are the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification : 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 Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old.
Product: Credit card or prepaid card

I have owned the card for several years and they always tell me that at this time they are not offering lower interest rates. this is not acceptable. I am having financial difficulty and need to pay off this card. It would greatly help to have the interest fee lowered and they will not budge. They have stated the policy has changed and also they did not offer any incentives for me to pay off the card faster. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a visa credit card that I have to call and make a payment on every month because seeing the amount owed is not available through the website so I called to make my payment and the representative told me a payment due amount of a dollar short and then that {$1.00} went 30 days delinquent because I was under the impression the representative gave me the correct payment amount and didnt get written notification in the mail until after they already reported it delinquent to my credit which brought my score down by 80 points. Ive called twice since to let them know it happened and they both times have said oh no that stinks visa does that sometimes. and did not offer to rectify the situation.
Product: Credit reporting or other personal consumer reports

Despite conducting a thorough investigation on my credit report, I was distressed to discover several unverifiable, invalidated, inaccurate, and questionable items. Regrettably, your agency 's investigation failed to rectify these discrepancies, causing significant distress.

Under the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is reported with 100 % accuracy. However, the accounts in question appear to be in violation of FCRA regulations, specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ).

I am providing copies of all correspondence sent regarding these discrepancies for your reference. It is essential that these errors are addressed promptly and accurately to ensure compliance with FCRA standards and to alleviate the adverse impact on my credit standing. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in written contact with Transunion over XXXX times, I have ask them to investigate and provide proof of verification regarding late payment of XX/XX/2020 on account XXXX XXXX with the following account 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I can not begin to tell you how this has caused me and my family much anguish and pain. I can not move my children into a safe neighborhood because I am constantly being denied for a loan. Do you know how this feels. Transunion violated my rights under the 15 USC 1681 section s 604A that a consumer reporting agency can not furnish information on any consumer report with out written consent from the consumer. I have not given them written consent to furnish anything. Furthermore, according to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting or other personal consumer reports

I have received a record mailed from your company, Early Warning addressed XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, on XX/XX/year> with two letters written on XX/XX/year> and XX/XX/year> regarding the XXXXXXXX XXXX  accounts ending XXXX and XXXX. I compared with another record mailed on XX/XX/year>. I found out the record of XXXXXXXX XXXX which was in the previous record mailed on XX/XX/year> had disappeared from the record mailed on XX/XX/year>. I am not sure whether you have omitted this part from the recent one. Since this account is meant a joint account of my husband, XXXX XXXX and, I, XXXX XXXX, both residing at the same address mentioned above. I prefer not to omit this part, since legally I have the right to use and receive everything after his death. I expect the reason why you deleted this joint account which meant it is mine. I request you will re-do this entire record and send the modified XXXX to me again. Regarding the account number XXXX of the XXXXXXXX XXXX, which you deleted from the previous record, since I do not remember myself whether I had this account itself, it is fine to omit most likely ; however, I wish you will explain me the reason why it was in the previous record. Also, the section of XXXX XXXX XXXX in this recent version has discrepancy with the last one. I will request the explanation of this discrepancy in written form. Also, I received another letter prepared on XX/XX/year> written about the XXXX XXXX  XXXX account ending XXXX. Since I have requested the explanations in written form, I do not want you delete any account, including this account ending XXXX, since all the XXXX XXXX XXXXXXXX accounts belong to me.
Product: Mortgage

I last contact the CFPB on XX/XX/XXXX regarding fraudulent activity from my mortgage servicer Shellpoint. I had been applying for mortgage assistance but Shellpoint mortgage kept denying my documents with out a proper review of my financial situation. Following filling the CFPB complaint I received a response back from Shellpoint which can be found on the responses from the last complaint from XX/XX/XXXX. A response back from XXXX XXXX XXXX Department Shellpoint MTG XXXX stated the following : As requested, an assumption review was completed on XX/XX/XXXX. After review of the Probate documents provided it appears the interest in the home was divided with only half of the interest in the home being appointed to you and the other half going to four other heirs. Therefore, because you do not have sole interest in the property, we are unable to continue reviewing the loan for an assumption. In order for Shellpoint to review you for an assumption of the loan, you would need to have sole interest in the property. A Quit Claim Deed could be obtained from the additional heirs showing they no longer have an interest in the property. a foreclosure sale is not scheduled at this time. 

During my appeal period and working with Shellpoint in gathering the items they requested they have posted a foreclosure sale date on my home set for XX/XX/XXXX. I have recently submitted all documents on XX/XX/XXXX showing proof of what they requested and Shellpoint denied me on XX/XX/XXXX without again any proper review of my documents that they specifically asked for. During this time Shellpoint is direct violation of Dual Tracking Laws set forth by CFPB. I have attached all documents for review.
Product: Payday loan, title loan, personal loan, or advance loan

on XXXX XX/XX/year>, I applied for a loan through Three Sticks Lendings website. During the process, there is no mention of terms. When applying I had to submit my information for a credit pull. They pulled my credit and I was approved for {$1200.00}. 

After looking all over their site, I finally found the loan terms and they were at a abnormal amount of interest which I consider predatory. They wanted me to pay {$340.00} every 2 weeks for the next 11 months to pay back {$1200.00}. Which is almost triple of the borrowed amount. This should be illegal!!! I have runied my credit with an inquiry. If I had known their terms, I would not have even applied.
Product: Debt collection

I received a call from ( XXXX ) XXXX who said they were XXXX XXXX XXXX from an IL number. They told me my name, an old address, my social, and date of birth. After speaking with 3 different people, the last person, XXXX XXXX, informed me that I had opened a Chase Bank Visa in XXXX and it was closed in XXXX due to non payment. Chase supposedly made every attempt to contact me then had it on my credit for 7 years until it was removed then they sent it over to XXXX. Never have I had an account with Chase nor have I ever seen this on my credit. I am worried that I have confirmed all of my personal information for whatever their intentions are and I will not be scammed into paying something fake. Please note I would have only been XXXX in XXXX. 

Collection for : Chase Bank Date of Call : XX/XX/XXXX Debt : {$4500.00}