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

I have been in dispute with XXXX XXXX for a while now and also have informed them in prior disputes, identity theft reports and etc. That I have been a victim of fraud, my information was compromised and also my email address, old passwords and info of my employer was exposed on the dark web and also found in data breaches. A lot of emails that was sent by XXXX XXXX I did not received. All disputed items, interest charges and late fees were not done by me. A new card was sent on several occasions, disputes were reported to the XXXX XXXX Fraud Department. XXXX XXXX has also listed me in the XXXX XXXX  under suspicious account activity and etc. I was not aware of this until I added another security alert on credit report and also requested a copy of my check system report. This is really damaging my credit file and also being able to open a bank account do to fraud. I am not responsible for for these charges. This account needs to be deleted and also false information in the XXXX XXXX. I will never do business with XXXX XXXX or advise anyone to do so. No police report was found as I wasnt aware at that time and when I discovered this matter, I immediately reported it to XXXX XXXX. I even received on email that asked me to verify my bank account information and from what I was told my information and card was copied by a scammer and used many places. Because I was responsible for these charges after reporting it. I didnt pay it or felt I should be responsible. So late charges and interest charges accumulated. Attached are document proving I have been on the dark web and my information was compromised.
Product: Credit card

This account is invalid. SOFI BANK, NATIONAL needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. 
Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion repeatedly displays incorrect employer(XXXX XXXX).
Product: Debt collection

On XX/XX/2021, AmSher Collection Services reported a collection account in the amount of {$320.00} to all National Consumer Credit Reporting Agencies/Companies. They failed to provide me with written notification about the debt prior to reporting it to the National Consumer Credit Reporting Agencies/Companies in order for me to confirm or dispute the validity of the debt. On XX/XX/2021, I made a final attempt to resolve this matter with AmSher Collection Services via a telephonic communication. However, their staff are not helpful at all. They demanded payment or else.
Product: Credit reporting or other personal consumer reports

Tried to get annual report from TransUnion. I have tried for at least 3 times. When I enter in the info they need, it states unable to identify me. I tried calling the number, but unable to get thru to complete. I had been hacked in XXXX and try to monitor. Recent request for line of credit from bank showed my credit score being XXXX from them. One being two many personal finance accounts. I only have one, the rest is closed for several years ( XXXX last one )
Product: Checking or savings account

Wells Fargo closed my account due to a negative {$47.00} they claimed due to insufficient fees from XXXX credit card auto pay that I cancelled auto pmt over 4 months ago, the first XXXX od fee I went on ahead and paid and made deposit in act. Second time I contacted XXXX that I DID NOT authorize prior to it coming and they said they would research the PENDING TRANSACTION, a week later I received a notice in mail that I called after the transaction cleared. UNTRUE! WHats the purpose of a week research if the transaction already cleared? They are liars. I called about this 4 times as they refused to acknowledge and ignored. This bank will lie and fraud my act due to their incompetence so they can make extra XXXX fees. I informed them ahead of time and they still charged me two XXXX fees, keep in mnd this is the " ONLY '' transaction coming thru this checking in THREE MONTHS as I planned to close and informed them of this! They closed the account per notice and placed me on a bad check list. NOT FAIR, they have no right. Just like they opened 2 additional acts without my authority as I am a party of that law suit and NOW THIS. Not to mention how they illegally tried to make my mtg pmt behind about 8 years unitl I called HUD as they researched and they had to correct my account. I am sick and tired of the unfair treatment and bogus statements!. I have a mortgage and they closed my user id and password so I dont even have access to review my mortgage. ALways iussues with these people causing fraud transactions.
Product: Mortgage

Concerning the PMI on my mortgage. My loan balance to original purchase price is at 77.1 %. The rules state that at 78 % or below the lender is required to cancel the PMI. I contacted PNC Bank and their response was that they are going by the original amortization table and that date states some time in 2021. Otherwise they require me to pay {$500.00} to them for an appraisal, to be performed by an agent of theirs. I do not see where this is stated in the rules. I am below the required 78 %. Can you assist in getting the PMI removed from my mortgage? 

Thank You XXXX XXXX
Product: Credit card or prepaid card

Hello, I opened a Visa Credit Card in one XXXX XXXX XXXX on XX/XX/XXXX with a temporary account number. The permanent account number and credit line should be sent to me with my card afterwards. 

However, I never received anything regarding this credit card until I received a call from a collection company ( FMS, INC ) recently. During the call, I found out that the mail address they had was wrong ( missing the XXXX XXXX " XXXX '' ). That's the reason why I have never received any documents from this credit card account ( issued by XXXX XXXX ), neither the physical visa card. I have copies of all receipts with wrong mail address, which have been resent to me by FMS. I will upload one month as example, but can provide all, if needed. 

As of XX/XX/XXXX, the total balance due is {$190.00} ( with initial balance {$38.00} in XX/XX/XXXX ). Additionally, my credit score has been impacted significantly. 

I have contacted FMS and XXXX XXXX to dispute the interests charged on this account and to get my financial score corrected on the credit report. Highly appreciated for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$920.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$1900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX XXXX XXXX XXXXXXXX Balance : {$920.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$880.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I checked my credit and I find out Sequium asset solutions has created a debt collection claim. I look online and there are plenty of people calling this company a scam. This is the first time I hear of this so I naturally dispute the claim because it must have been a mistake. I need to solve this issue because it is not fair that these people can scam so many people out of their hard earned money.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charged off in income and according to the FCRA income can not be reported on a credit report. I received a 1099-C for the following charged off account listed below. After checking my most recent my most current report the updated information stated that this account was still being reported. This account can not be reported as a charge off on my credit report. XXXX XXXX XXXX XXXX XXXX I've include proof of 1099-C on Tax transcript.
Product: Mortgage

Lower Holding Company sold my mortgage to XXXX Mortgage some time last month. In the process Lower has once again " lost '' one of my payments. I say once again because this is the second time Lower has sold the mortgage and " lost '' a payment in the process. I filed a complaint last time and suddenly they " found '' the payment -sent an apology letter and everything. ... I do believe this a pattern of behavior that Lower engages in as a money making scheme.
Product: Debt collection

Portfolio Recovery keeps repeating calls after being told to stop from multiple numbers from different states at random hours throughout the day and night 7 days a week, and was told this number is on a do not call list and to send any communications through the mail and not to contact this number and that it was on the National Do Not Call List. Was told they didn't care.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Credit card

capital one bank keeps trying to collected money from me and i paid them and i cant even get another credit card because of them they keep threatining me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint. I checked my credit report and saw that an account from XXXX XXXX XXXX was reporting inaccurately, so I sent a letter to the CRAs disputing the accuracy and completeness of this account onto my credit report. I received the results of the reinvestigation from the CRAs and I noticed that this company " verified '' that the account was reporting accurately. I used the XXXX XXXX Guideline to cross reference how this account should be reporting and they are in fact, still reporting inaccurate and incomplete information onto my credit report. I have been denied credit and loans due to them furnishing incorrect information. I have also called XXXX on a recorded line and spoke with a manager who informed me that the debt was sold to RESURGENT RECEIVABLES who will be joined to the original creditor in arbitration if I were to file a claim. 

XXXX XXXX XXXX has violated 15 USC 1681s-2b and could be held liable for actual damages under 15 USC 1681n for willful noncompliance. This company has violated the Fair Credit Reporting Act. I've searched the terms and agreement of my contract with this company and noticed that they have an arbitration clause, so I have sent a letter to this company ( via certified mail ) to make them aware of my intention to file an FCRA claim in arbitration if we can not reach a solution. Settling prior to filing a claim will be most cost effective to the company vs paying filing fees and arbitration fees A copy of my driver 's license, social security card, and the correspondence that I mailed to the company is attached to this complaint
Product: Student loan

I got a call from Premier Student Loan Center and I believed it has been a scam. They asked for my social security, my debit card number, as well as various other personal information. I have been scared to give them a a call back, and just want to make sure that I am safe for the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX NOT XXXX XXXX Your representative lied and said that " This complaint lists someone the company does not recognize as their customer or their customers authorized representative. '' They did this because they have violated the law and you will be sued for the damages you have caused me and my family. I was turned down for 4 home loans as a result of you allowing 2 fraudulent accounts on my credit. 

It's been over 45 days and the problem still has not been resolved. Enclosed is proof : RE : FAILURE TO RESPOND TO DELETION/CORRECTION LETTER On XX/XX/2020 I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 


The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. I have suffered damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. I have contacted the Federal Trade Commission and advise them of your companys blatant disregard for consumer protection laws. 


The following accounts are both invalid and inaccurate : XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX acc # XXXX THIS IS A DEMAND FOR FULL COMPLIANCE social XXXX My name nor my address match any of these accounts opened by identity theift. Your company has lied and Now I will be suing. I have sent 609 letters over 45 days ago with no response, there for you have violated federal and state law. 
How can you verify wrong information?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018I received a notice that PNC bank had issued a 30 day late default on my credit report. In XX/XX/2018 I entered into a PNC personal loan that was supposed to be auto removed from my PNC account.. The first auto removal was in XX/XX/2018 and was deducted correctly. In XX/XX/XXXX I received notice that XX/XX/XXXX payment had not been made. I contacted PNC two separate times around XX/XX/XXXX and was ensured every thing was fine that they are unsure how the situation happened and I was scheduled for auto deduct and every thing should be fine. When I received the notice today I called PNC and after 1.5 hours was able to finally find a person that could figure out what happened with the account. She stated that at some point after to first auto deduct PNC went in and adjusted my rate to reflect the agreed 0.25 deduction for auto deduct payment and that some how messed up PNC 's system and the payment was not taken out. It happened again in XX/XX/XXXX she said, even after I called on 2 different occations and was told it was corrected. I am not late on any payments. My credit should not have been negatively affected this way. This was a PNC error. I am not late on any payments and all payments are up to date. Please remove this from my credit.
Product: Checking or savings account

On XX/XX/year> I was XXXX and XXXX into the XXXX XXXX XXXX and then was transferred to the XXXX XXXXXXXX XXXX I was not released until XX/XX/year> at XXXX XXXX I had MULTIPLE transactions made on my account within that timeframe that I obviously didnt do. I provided chime with all the legal paperwork that included my XXXX XXXX XXXX XXXX XXXX showing that I couldnt not have made the Charges. They denied my dispute for no reason. I have LEGAL COURT DOCUMENTS PROVING I WAS XXXXXXXX XXXX XXXX
Product: Prepaid card

I was issued an AMEX gift card from my employer for {$120.00} as a holiday gift. It declines everywhere. I tried with various items and merchants. I called AMEX to fix it. AMEX told me to ensure if it was an online merchant that they ask for the card number, expiration date and security code when entering the payment method. Every merchant I attempted to purchase from asked for all of those and it still declined everywhere. The gift card is basically useless.
Product: Checking or savings account

I was at a event at the XXXX XXXX XXXX in XXXX XXXX on XX/XX/22 and I purchased drinks for {$16.00} once, the second time I tried to purchase drinks my card was declined. On reviewing my bank account I find a second charge that night for {$18.00} which I did not make. I notified the bank of this and they deny my claim because I did not have a paper reciept.
Product: Debt collection

The company calls multiple times a day, they do not leave messages, when I answer they hang up. It is for a debt for XXXX, and I have contacted them and complained.
Product: Checking or savings account

I went to M & T bank and took out a XXXX XXXX account. I change it to my nephew name XXXX XXXX. In 2020 I put it back in name. My name is XXXX XXXX. I called M & t bank and XXXX XXXX and I never got through to the XXXX number or response from XXXX XXXX. My nephew recieved a 1099-R from the XXXX XXXX I brought from M & T bank saying he took out {$8.00}. He never took out any money from the XXXX XXXX XXXX. They are lying. M & T bank gave me the same number. XXXX XXXX gave meXXXX. The 1099-R should be in my name because it has changed to my name and no money was taken out by me or my nephew. He will be unable to get a refunf because the lie XXXX XXXX I brought from M & t bank saying my nephew took out money. They said he took a taxable amount. They say {$8400.00}. Please help to get this matter fixed..
Product: Mortgage

We've had Wells Fargo as our mortgage company for many years. In the beginning, we had money in escrow for our taxes. We had our mortgage go up every year and they kept saying it was the taxes going up. We refinanced maybe 15-20 years ago with them and found out that they paid our taxes at the end of the year, which made us incurre the late penalty. I told them this was not right to do since money was in escrow. They said this was their practice to do so. We refinanced and had them take out the taxes so we would pay them early. Our mortgage rate never went up because of taxes again. Was there any recourse for them to pay us back all those late fees on our taxes? As soon as we received the tax bill we mailed it in to them the next day or so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has repeatedly reported inaccurate information on my report. they have Allowed this company to report, update and belie facts of a charge off which blatantly disregards the law. See : inaccurate reports. 

I have reported them to the CFPB # XXXX. This report still didnt force Experian to do their due diligence on the subject. They continued to falsify business records. 

The law states ; 1. my consumer report must be 100 % accurate ; 2. Upon such investigation the information must be modified or deleted.

3. A charge off is reported after 180 days 4. A company does have ANY right to report consumers transaction and experiences 5. No company shall falsify business records ; 18 U.S.C.. 471 & 473 6. No person shall report information thats known to be false The account balance should be reflecting {$850.00}. Experian failed on numerous attempts to have accurate information report on my credit profile.

Experian violated every one of these laws and more.
Product: Checking or savings account

On XXXX and XXXX XXXX and XXXX my savings account was hacked for a total of {$12.00}, XXXX after calling my Bank for XXXX  days in a row and talking to at least XXXX different customer service people, I have asked for a supervisor to call me and have not received a call from anyone. I have spent numerous hours on the phone with this outfit and nothing is getting done. Please help me, I need my money back in my account.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately. 

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.