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

This is the 10th time and it's still inaccurate and incomplete information this account is showing ( ND ) ( CO ) ( C ) in the XXXX report. Equifax don't even have payment history XXXX showing no payment history. XXXX has this account as an collection and charge off. Equifax and XXXX as this account as a charge off. Remove this account immediately!! So XXXX, equifax and XXXX has failed to complete the inaccurate and incomplete information. XXXX has the closed date XX/XX/XXXX equifax and XXXX have XX/XX/XXXX ( XXXX ) years apart. Remove immediately! 

XXXX XXXX XXXX.
Product: Credit card or prepaid card

I had a store credit card with Kohls. I made a in store purchase at Kohls in XXXX of XXXX  in the amount of {$37.00}. I was signed up for electronic delivery for statements but never received an emailed statement. I was then notified by XXXX that Koh 's had reported a balance +60 days unpaid. I immediately went on to Kohl 's website and paid the original balance and all late fees as well as changed my billing preference to paper. I called Kohl 's customer service to advise them that I was never receiving the emailed statements. The individual said they could not discuss it with me but was happy to help be cancel my card. I proceeded to cancel my card. The next day XXXX notified me that my XXXX XXXX was decreased as a result of what Kohl 's reported. I called Kohl 's again and spoke with XXXX ( XXXX ) and explained that I was never receiving the emailed statements and asked if she can provide me with verification that they sent and delivered the statements to my email. She could not. I then asked if they could retract the negative reporting to the Credit Bureaus as a result of them not delivering me my statements. She said yes they could and I would receive a letter within 30 days from them. I received the letter yesterday and it said that they reviewed and will not be making an adjustment. I called Kohl 's today and spoke to XXXX and again explained that I was never receiving my statements and asked her why the prior representative said the negative reporting would be removed? I even shared that I asked her will it be removed and she said " yes since I never received my statements '' She said the prior representative probably misspoke. XXXX said that there is noting she can do to help me other than open another review with them. She also advised that I could not speak with anyone else who is actually conducting the review. I asked about why my statements were not sent to me for me to know that I had a balance and she said that they do not send them so she can not help me with that either. She said I could make a written request to them if I do obtain legal counsel. The bottom line is that they were not delivering me my statements as required leading to the negative reporting to the Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a multi-item dispute via mail thru the USPS. The credit reporting agency replied to my correspondence stating that the disputed items were verified. On XX/XX/XXXX I wrote to the credit reporting agency ( see attached letter ), again, citing the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states, a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The credit reporting agency failed to reply within 14 days after receiving the request and they also failed to provide the information requested as outlined by the FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 14 days after receiving a request from the consumer for that description.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Global Client Solutions reached out to us offering to consolidate our debt with the creditors. They told us they were going to use our monthly payments of XXXX US dollars to arrange payments to our creditors to pay off our debt at the end of 42 months since XX/XX/XXXX. On XX/XX/XXXX of XXXX we received a notice from the Superior Court of New Jersey that there was a lawsuit being conducted against us. As soon as we received this we contacted the Superior Court and notified them we have legal representations from Global Client Solutions of our contract and the payments being made. We then contacted Global Client Solutions and told them that we had a lawsuit against us. They told us we don't need to worry about it, don't contact anyone, and don't worry about answering because they'll take care of it. Also they said they're not giving us a legal representation of what's going on. A week after this contact, Global Client Solutions contacted us back and asked for XXXX US dollars for twelve months plus the amount we were already paying of XXXX US dollars. They told us by New Jersey law they could go to our bank account and our paychecks to take up to 10 % of the money they want. We answered to them " If we had this money, then we wouldn't have needed your service. '' This was ten months into the contract in which we were paying XXXX US dollars to accumulate to an amount of XXXX US dollars. So we asked them what they were doing with our money since nothing has changed with our debt. The only thing that was done was they made six monthly payments which accumulated to a total of XXXX US dollars to XXXX XXXX not including the XXXX US dollars. They told us as well the administration fee was XXXX US dollars. However, they told us the money is being used for our creditors but they didn't pay anything other than the XXXX US dollars. We contacted the creditors ( other than XXXX XXXX ) and asked them about our arrangements that Global Client Solutions made and they told us they weren't contacted by anyone to make any arrangements. Afterwards we went to an attorney he we had a meeting with in which he told us to stop paying Global Client Solutions because they're not going to provide us with the service they told us about. He also advised us to file bankruptcy for us. We went on with this as a solution to the problem. The attorney told us there is no hope of getting the remaining balance we lost back which is XXXX US dollars. There was a disbursement of XXXX US dollars to our creditors plus XXXX US dollars in administration fees to Global Client Solutions. So with those two amounts we now have XXXX US dollars we lost.
Product: Mortgage

PMI Removal. I worked directly though my lender ( NewRez ) and paid their appraiser for a broker price opinion ( BPO ) on XX/XX/year>. The appraisal was performed on XX/XX/year>. XXXX says LTV is at 76 % meeting the required guidelines. Lender refuses to drop the PMI. 

Requests to Cancel PMI have been filed on XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. 
Lender agrees with XXXX passement and LTV but NO one I can reach has the ability to fix this and remove the PMI.

I have been following up with the Lender and keep getting the run around with no accountability or means for follow-up.

Please help
Product: Credit card or prepaid card

I have been a Fifth Third Bank customer for many years. I have a XXXX XXXX XXXX I took advantage of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX approx. XXXX. I had no other balance at the time. I was XXXX in XXXX and my payment was a few days late. I made the payment and called about the {$29.00} late fee which was reversed. However, they are now charging me a default interest rate of close to XXXX XXXX I called XXXX XXXX XXXX and was told that the late payment was the cause. I indicated that I had been an excellent customer with no history of late payments and XXXX XXXX was excessive in this case. I was told nothing could be done. I went to the local branch the same dayto speak with a XXXX who was not in. The teller indicated an email would be sent to a XXXX in the proper department. This was XXXX weeks ago. I heard nothing. I paid the card off on XXXX XXXX, but was charged another {$110.00} representing the XXXX XXXX interest with the entire amount due in XXXX rather than a minimum payment. I think this is just consumer abuse
Product: Credit card

I applied to get a credit card for the first time and got denied : " '' We are unable to provide a credit card offer for you at this time for the reason ( s ) listed below : Submitted web Pre-Qualification inquiry is considered suspicious or potentially fraudulent '' '' I've never applied to get a card from this company
Product: Credit reporting or other personal consumer reports

I am contacting you to request the removal of specific fraudulent accounts and inquiries from my credit report. I am a victim of identity theft associated with a recent data breach, and these unauthorized items were added to my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these fraudulent entries be permanently blocked and deleted from my credit file. 
Fraudulent Accounts : XXXX. XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXXXXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance : {$11000.00} XXXX. XXXXXXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance : {$14000.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$24000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$48000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$17000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$9600.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$23000.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} Fraudulent Inquiries : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX
Product: Credit card

I have received numerous unsolicited phone calls offering my business loans lately. I have used the option to stop receiving calls or told the person I am not interested and to take my company off their list. Instead the calls keep coming and now they sent me a credit card in the mail that I did not ask for or agree to. 
The card is from XXXX XXXX, it claims to be a $ 150XXXX limit card that I am to call to activate. No terms, just the card and instructions on how to activate it. I think it 's a scam Ph # to call is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/year>
Product: Credit card or prepaid card

I paid {$90.00} to someone on PayPal for 3 concert tickets. The person who was selling me the concert tickets was a woman, but after completing the transaction, the payment was to a man. The woman stopped responding to me after I paid for the tickets and is not transferring them to me. This was fraudulent on behalf of the seller 's identity and failure to complete the transaction on her end by transferring me the tickets.
Product: Student loan

For the past 3 weeks Ive emailed this company in detail my issues using the information on their contact section of the website. My issue is that they are requesting me to pay them my loan payment ever since the student loan relief pause went away. Problem is Im still a full time student and have been for theee years nonstop. Thats suppose to be deferred until Im not. Their website says as long as my school updates the national clearing house site with my status their system will update every week from that info and it will stop asking for payments. Its been weeks and still the same and no response after 6 emails to various departments. Ive called during the day and been on hold for an hour but I cant stay on hold all day. Im worried they will repeat this as late to the credit bureaus which hurts me but thats not right cause I shouldnt have a payment to begin with. I need someone to please contact these people and have them do their jobs because this isnt right. I called my school for help which they did but told me all they can do is ensure my full time status was updated to the clearing house site so the loan company will see it and know Im in school now. I have perfect credit and cant afford for this to hurt me nor can I pay this bill because I was not suppose to even have it.
Product: Mortgage

I first made a request to SunTrust for my mortgage Coved-19 relieve 1 day after it was ordered by the President, HUD, and bank regulators on or near XX/XX/XXXX. I learned that the bank sent an offer to me on XX/XX/XXXX that I did not get until XX/XX/2020. 

I signed it promptly and the bank accepted the Covid-19 forbearance for 6 months with an option for another 6 months at my option.

The lawyers for SunTrust deliberately held the Covid-19 request for 3 weeks in order to allow the court to order a foreclosure even though it was illegal by CFPB, HUD, Presidential Order.

I asked SunTrust lawyers to abide by the Covid-19 relief and they falsely told the Court that it was only for 3 months when it was for at least 6 months and I told the bank I would need it for a year. 

The lawyers are defiant to HUD, the Presidents Order, CFPB, and its own Agreement by not directing its lawyers to abide by these items. 

The collection actions of the bank through its lawyers is circumventing our agreement, causing stress, violating the law, and falsely misleading me to believe the forebeance and modificaion will rigtlu be worked out withotu court intvention.
Product: Credit reporting or other personal consumer reports

Hello, my information was sold to XXXX XXXX servicing from Chase bank without my consent. Furthermore, after requesting documentation I realized my information has been sold again from XXXX XXXX XXXX to XXXX. My initial understanding was that both companies were the same company. Not XXXX XXXX XXXX. My loan never went into collections with Chase which from understanding XXXX is a debt collection agency. Also I received my XXXX this year to pay taxes to file. Only to receive a letter from the IRS stating that my information was incorrect within my city taxes and {$800.00} would be withheld. My credit report has been ran at least XXXX  times and still has yet to provide proper validation of debt. According to my promissory note my debt is with Chase bank. 12USC1431, 15USC1681,
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 XXXX  : {$29000.00}
Product: Checking or savings account

I can not link my account to XXXX. XXXX uses XXXX  and Pnc will not consent to letting me add the account.
Product: Mortgage

I called and talked to a XXXX the last two days. She is saying the check for the overpayment of the payoff of my loan was processed on XX/XX/2021. This complaint is to piggyback what they are doing. I filed my first complaint on XX/XX/2021. I have talked to XXXX at PNC, she does not know the check number to the check, and I asked her when it went out her reply was " I think On XX/XX/2021. She comes back after I asker her again and she said " yeah I think you check went out on XX/XX/2021. Here it is now two weeks later, and she says the check may have gotten lost. She goes on to say the check for {$190.00} for the overpayment for the payoff is delayed because of the bad storms in the mid west. I said the bad weather was in Texas. She says " oh yeah ''. She said she overnight the check and stop payment on Tuesday XX/XX/XXXX, however it would take a week to get. This company is playing a game with me. I want my money NOw.
Product: Debt collection

A company called Wakefield and associate has inaccurate information on my credit report ... .I contacted them and told them that this is not my debt and to plz remove the inaccurate in from my credit that they were breaking thee law ... .I asked them for the original copy of this debt with my name one it ... and they said they dont have it ... I ask them is this a debt that they are saying I owe them or is this a debt that they purchased from another company but they want tell me ... ..but they have destroyed my credit with this fraudulent account they have on my credit report ... ..I am asking Wakefield and associate to plz show me proof of the original bill or remove this inaccurate in from my credit reports
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$15000.00} Charged off
Product: Mortgage

Over the past several months, beginning in XXXX, I have been calling in several times a week to speak to my account officer assigned to me during the forbearance period. Within this time I have written in to XXXX, XXXX XXXXXXXX Complaints and have not received any assistance with a loan modification signed and notarized to bring my Mortgage payment down, my interest rate down. I called XX/XX/XXXX, XXXX, XXXX and XXXX along with XX/XX/XXXX and XXXX each of those calls escalating my case because they could not do anything but wait for a review and a supervisor to call me back. 
Calls in XXXX, XXXX, XXXX and XXXX had the same response as well as XX/XX/XXXX, XXXX and XXXX and throughout XXXX. 
I was not offered the XXXX  for reasons US Bank was an option they decided who would be hand picked to allow into the XXXX so I had to settle for the Modification that my assigned representative XXXX XXXX offered in XXXX of XXXX. A notary was sent to my home and on XX/XX/XXXX, I received another letter stating of confirmation of this modification, yet I am XXXX and I pay an increased amount of XXXX well over my original mortgage due prior the forbearance and above the XXXX agreed upon with a 3.25 interest where is was higher prior. 
I am not in a position to pay the increase US Bank imposed. I am have been told US Bank was not honoring the modification on XX/XX/XXXX. The representative advised me he would call me back within 2 days with the reason why, and he again, did not. 
I am being discriminated against since I filed a complaint with CFPB for the XXXX not being offered. No one at US Bank is able to assist me after multiple recorded calls and email receipts and various letters. 
I spend approximately 2 - 4 hours a day attempting to get assistance, and no one at US Bank is authorized to do so on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening. Since XX/XX/2022 i have exercised my right to request an investigation of the XXXX  XXXX  account that appears on my credit profiles at Experian XXXX and XXXX SEVERAl times. i have disputed this account by paper mail in writing and by certified mail with a signature on the receipt. I have my tracking numbers for each dispute each time it was received by the credit bureaus. each time the bureaus have updated the account or verified it as accurate and i am in disbelief to see yet still so many inaccuracies with this account when each of the bureaus has said the information has been certified as accurate by XXXX  XXXX, XXXX in very much disagreement with these outcomes because the information on this XXXX XXXX account does not match across all three bureaus. How is that possible when XXXX XXXX  has CERtified to each bureau that the information they are reporting on my profiles is complete and XXXX percent accurate? it seems to me this account is truly unverifiable. FCRA guidleines show that if an account is unverifiable incomplete or not XXXX percent accurate it must be removed from my profile. also the account in mention has not entered the required notice of dispute with in 30 days of these disputes which is a payable violation. i have attached screenshots of this account as it appears on my credit files and you will see the inaccuracies that exist on this ALLEGED verfied and accurate account, such as the high credit does not match across all three, payment history does not match and a pleathora of other inaccuracies and incomplete inofrmaion. thank you
Product: Checking or savings account

Just got promotional material from mail and online account from Chase bank Which I endup signup for checking and saving account as they instructed. 

After initial fund transfer to Chase saving account, a rep from chase called me and verified all the details and amount I am transferring to new chase saving account. 

also setup direct deposit to saving account from my employer which they sent last friday ( XX/XX/2019 ). 

I checked my account no fund available any of it. They took out money from my XXXX  XXXX XXXX account but never showed up in my saving account. 

my employer sent direct deposit to my saving account, never showed up. 

I called Chase today and they said I have to go to one of their branch which I don't have/ got to drive 45 min..now they are refuse to return all the money they hold and not willing to help.