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

My XXXX XXXX XXXXXXXX account was hacked on Thursday for {$160.00}, and it was hacked last month for {$69.00} and a recurring account was debiting our bank account and sending the money to pay credit cards and a XXXX bill. Months ago we were hacked for {$1900.00}. I checked to learn if my name was among those hacked in the Equifax hacking and learned that my information was among the records hacked. I sent letters to the credit bureaus requesting each to remove inaccurate names and addresses because I believe the fraud is connected to inaccurate information available on my credit report. Please assist me in communicating to the credit reporting bureaus to remove all inaccurate personal information. My correct name is XXXX XXXX XXXX and this is the only name that represents me. 

My address is incorrect too. I live at XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. Any information contrary to my name and address is incorrect and should be removed.
Product: Credit card or prepaid card

I had a Chase Ink credit card opened on XX/XX/2017. I have been using the card ever since then for my purchases and earned XXXX ultimate rewards points. I have always paid my bills on time and had no issues with the credit card. Recently, they contacted me about possible fraud on my account. When I called them back about this, they had issues with validating my identity. I emailed them copies of my state ID, XXXX card, utility bill, business information. However, they still claimed they could not validate the identity. They proceeded to cancel the account and now I have lost all my points. They refused to allow me to prove this was a mistake on their part or to reimburse me for the points. I feel they are taking advantage of some small loophole they have to not pay out my points. This is very unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove the items which are found to be opened due to identity theft. The dispute items do not belongs to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items : XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9300.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$9300.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

If you feel there are a possibility these items belongs to me, I will require all documentation that bears my signature ( another research items I found that requires you to remove. If you do not provide any records & claim the items are removed please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Payday loan, title loan, or personal loan

For a loan that originated on XX/XX/2020, Affirm did not provide any opportunity to select a payment date and, per their own internal policy, has no options to modify the payment plan dates. I reached out to Affirm immediately after the loan originated and received no response. I would learn later that my only opportunity to modify the agreement were in the first 120 days in the form of returning and requesting a refund for the associated purchase. I did not have an opportunity to seek a refund related to this issue, because I received no response. The reason, as communicated by Affirm representatives today, is simply because Affirm created their own policy forbidding it. 

The Affirm web portal is difficult to navigate and does not provide access to the completed loan agreement. In fact, I spoke to a representative today who said they would email it, because I have still not received it for the entire 2 year duration of this loan, advised they could only send it after the chat closed, then did not send it. 

The Affirm web space further has misleading information about options available to someone wishing to change their payment due date. Of note, one page states that they can not change the date, but we are not charged late fees and can pay later in the month. However, it does not state that such an " overdue '' status can negatively impact our credit report, which I was advised of by a representative today, when I asked directly about payment change options. 

Further, Affirm does not maintain a consumer accessible record of any of these interactions. My first email from Affirm did not come until a year into the loan. There is nowhere to see that I attempted to discuss this with a representative. The only record I have is a text file transcript of a chat with a support rep. The format makes it impossible to verify the authenticity, so effectively Affirm provides a transcript they can deny the validity of at will. I have, nevertheless, provided the text transcript as well as screenshots of the issues I identified in Affirm 's consumer facing documentation and the limited internal documents they make available ( a Terms of Service page with no history ).
Product: Debt collection

I have two collection notices from two different collection agency trying to collect the wrong amounts for XXXX XXXX. I attempted to cancelled the services with XXXX XXXX cause I switched carriers on XX/XX/2017. I went to XXXX. XXXX XXXX claim they couldn't cancel my account because XXXX was attempting to port my number and they can only suspend the account so I wouldn't get any additional charges. Well that didn't happen they continued to charge me when I was with XXXX and decided to use XXXX number instead of porting my number from XXXX XXXX. Now I have two different collection agency trying to collect for XXXX XXXX while this is in dispute.
Product: Credit reporting or other personal consumer reports

Transunion is reporting a Balance & Past Due amount of {$7100.00} for XXXX XXXX XXXX XXXX XXXX. They have continually ignored my requests to update my credit report with correct information for this account. The balance and past due amount should be {$0.00}. I have attached proof of court document order reflecting the settlement and the payments made for this settlement. Now I demand you update my credit report to reflect this court issued settlement. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if you are reporting the wrong balance? Do not mark this is as frivolous or as a duplicate complaint.
Product: Mortgage

We've been eligible to remove PMI on our mortgage since XXXX or XX/XX/XXXX. We made an original request to Specialized Loan Servicing LLC in XXXX and was told we would receive the required paperwork in the mail and the request would take XXXX weeks to process when returned. We never received the paperwork so we followed up on XX/XX/XXXX and was told that we can deliver signed documents over e-mail to proceed with the request. After doing so, there was no confirmation of receipt -- just radio silence. 

Upon finding PMI charges with our mortgage payment in XX/XX/XXXX, we followed up via e-mail and received no response. We then attempted calling customer service on XX/XX/XXXX who could not forward us to the appropriate department due to a 'system error ' but gave us a direct number and instructions to reach a live agent : ( XXXX ) XXXX. That number does not provide a ring tone ( only white noise ) so we were unable to get in contact with anybody at Specialized Loan Servicing who can help. At this point, we are out of communication options and are continuing to pay PMI despite multiple requests for cancellation.
Product: Credit card or prepaid card

I had a couple returned payments due to the fact that I have been on XXXX since around XXXX, and Ive been fighting with my employer about payments. I had scheduled payments with Capital one on days that I was told I would receive my check and I didnt receive said check and then they would not let me cancel my payment. However they did close my account without any notification to me whatsoever and didnt tell me it was closed until after I paid it off. I have had enough issues with my health but for a credit card company to close my credit card because of my situation that was the result of a XXXX is ridiculous. They told me My account was restricted until payment was made but they had actually closed it.
Product: Credit card

We applied for the Citi Advantage card for a promotional offer to spend $ XXXX in XXXX months to receive XXXX XXXX XXXX XXXX. Both my and my husband 's credit card limit was set well below our other credit cards at {$5000.00}. When making a payment, the balance was only settled by 7-10 business days vs. posting next day. We, therefore, could not utilize the card for two to three weeks due to the lengthy settlement period. 

I work within banking and this is clearly a disparate impact issue as the bank arbitrarily sets lower card limits ( all of our other card programs have limits above $ XXXX ) that are quickly maxed out and has settlement terms on posted payments that are 5-7 business days longer than any other card company. 

Ultimately, we spent < {$400.00} less during the ninety days and did not receive the XXXX XXXX XXXX. Also, confusing was that they deducted the ~ {$590.00} membership fee from the total spend.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub> 2024 I faxed a dispute letter which I received a confirmation that they received successfully. My letter contained specific detailed information detailing the inaccuracies reporting on my credit report. In this letter I included my personal identification including my driver 's license, social security card and a recent utility bill. I have still not received any response.
Product: Checking or savings account

On Thursday, XX/XX/2019, the federal reserve had a processing delay with direct deposits. It was a known issue and posted on Navy Federal website. As a result of the delay, I incurred 3 overdraft fees. I asked Navy to reverse the fees as these werent my fault and had the deposit posted timely there would not have been any fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX has had my sensitive information exposed in the XXXX  Data Breach in XXXX and Equifax Breach in XXXX. Information such as my social security number address and financial accounts and I fear that this information may have ended up in the wrong hands. I have sent multiple letters disputing these in accurate accounts on my consumer reports and I have not received any response. I feel like I am being taken advantage of and these companies are not providing fairness and accuracy as it states in 15 USC 1681a ( 4 ). My last correspondence were sent using U.S. Certified mail # XXXX to XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Ally Financial for multiple violations related to their handling of my auto loan while I was on XXXX XXXX. Ally Financial repossessed my vehicle while I was on active-duty military service without obtaining a court order, as required under 50 U.S. Code 3952 of the SCRA. This law specifically protects servicemembers from repossession without a courts approval during XXXX XXXX. By bypassing the court process, Ally Financial has violated my rights as a servicemember. Ally Financial failed to follow the correct procedures under the XXXX when repossessing my vehicle. Specifically : The repossession was conducted without proper notice of default and without giving me an opportunity to cure the default before the vehicle was taken. Additionally, there was no effort to conduct the sale of the repossessed vehicle in a commercially reasonable manner, as required by XXXX Article XXXX. This breach of procedure has directly caused me financial harm. Ally Financial engaged in unfair practices by repossession without a present right to do so, in violation of 15 U.S. Code 1692f ( 6 ). Their actions amount to unconscionable means of debt collection, as they had no legal right to repossess the vehicle without a court order while I was protected under the SCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It shows on my report a credit inquired on XX/XX/2022 not authorized or recognized from XXXX For
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX and PNC Bank. 
I had a loan for this Vehicle XXXX XXXX XXXX XXXX XXXX back in XXXX during XXXX ; XXXX XXXX call me and let in me know that this Vehicle has a XXXX and is going to give back to the XXXX holder PNC Bank ; the value of this vehicle it was Over XXXX PNC Bank never contacted me about they have the Vehicle ; according with the Law ; i i have the right to receive a letter giving me the opportunity to paid off.Never happens they just put in my credit as a charge off for the full amount {$99000.00} ; remember the value of this car was over XXXX XXXX to be exact ... .where is the paperwork showing they sold at the auction by law ....! please help me ..... 



XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

On Account information disputed by consumer, meets FCRA requirements. I need written XXXX of verification. Documentation from the 3rd party proving this is my count. FCRA they have to provide original documentation if they can not provide those by federal has to be removed off. I was a victim of identity theft.I filed a police report and FTC report by federal law this has to be removed off. I've also filed a complaint with CFPB. I have provided you the documentation showing you this is a fragilite count that does not belong to me. 
My next step will be filing a XXXX  report against XXXX XXXX and a lawsuit.
Product: Mortgage

1 ) The mortgage servicer PNC Mortgage has failed to accept and permit the submission and review for Mortgage Assistance to Mr. XXXX XXXX XXXX. XXXX XXXX XXXX was approved for a trial modification in XX/XX/XXXX. XXXX XXXX completed the required 3 trail payment and signed final Modification agreement on XX/XX/XXXX. PNC Mortgage refused to accept the signed and notified trial agreement because of alleged error. PNC Mortgage then proceeded to return file to foreclosure status and continue to contact an auction of Mr. XXXX residence. 
2 ) PNC Mortgage also has denied and rejected any and all mortgage assistance applications since the date of XX/XX/XXXX, citing that Mr. XXXX could not receive assistance because he has exceeded his mortgage assistance attempts. However, PNC mortgage has not provided an evidence of such agreement between PNC Mortgage as servicer or owner of note. Although documentation has been requested multiple times by me. 

3 ) PNC Mortgage improperly started the foreclosure process prior to the customer, XXXX XXXX XXXX being 120 days delinquent. Federal Law requires a 120-day Pre-foreclosure period by CFPB mortgage assistance guidelines, ( per 12 CFR 1024.31 ) The promissory note or any other loan contract does not contain a due-on-sale provision, thus 120-day rule is in effect. 

4 ) PNC Mortgage has not applied, or improperly applied payments made during trial period of approved modification.

5 ) In addition, this constitutes dual tracking, based on the process starting before the 120-day delinquency period and PNC Mortgage representatives stated that file would be reviewed for mortgage assistance programs ; however instead a sale date was entered into the system for XX/XX/XXXX. 

6 ) PNC removed the above sale date due to a ratified contract to sale my home. However, said contract fell through. A new application for homeowners assistance was submitted to PNC Mortgage on XX/XX/XXXX. 

7 ) PNC Mortgage did not review application instead PNC Mortgage ignored submission and entered a new sale date of XX/XX/XXXX. 

8 ) In addition, PNC Mortgage violated the SCRA Act when this process started several years ago, as I was still XXXX XXXX in the XXXX XXXX as XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing about an account that appears on my credit witch I have previously asked you to dispute but you have refused to do so properly the inaccuracies on my credit report regarding the XXXX  XXXX XXXX account ( # XXXX )., it contains several discrepancies that violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Inaccuracies Identified : Repeated Charge-Off Reporting : The account is reported as " Charged Off '' month after month. This practice is inaccurate and misleading, as a charge-off is a one-time event, not an ongoing status. Repeatedly reporting the account as charged off inflates the negative impact on my credit report, this is an update to the payment history this inaccurate information falsely manipulates the status of limitation. 

Balance Inconsistencies : The reported balance of {$12000.00} does not align with the original charge-off amount of {$17000.00} or the high balance of {$24000.00}. This discrepancy raises concerns about the accuracy of the reported information. 

Payment Terms Misrepresentation : The terms are listed as " {$0.00} per month, paid Monthly for 61 months, '' which contradicts the account 's charged-off status. This inconsistency misrepresents the account 's actual repayment structure. 

Duplicate Reporting of Delinquencies : The report shows a maximum delinquency of 90 days in XX/XX/2023, but subsequent reporting continues to list charge-offs inconsistently. 

Violations of Consumer Protection Laws : Under 15 U.S. Code 1681s-2 ( b ), furnishers of information are required to ensure the accuracy and integrity of the data they provide to credit reporting agencies. The inaccuracies outlined above demonstrate non-compliance with this requirement. 

you failed to investigate this account properly your neglect has violated my rights and caused me enormous amount of distress i'm demanding a deletion of this account
Product: Checking or savings account

My chime account was closed due to deposit violation. ( XXXX ). I had over {$300.00} taken from me. My job had just posted a direct deposit in my Chime account. The very next day my account was closed. Ive tried getting clarity on this issue but I keep getting the same answer. Simply stating my funds are not refundable. Not highlighting the reason for their actions. I just want my money back. I have not did anything wrong.
Product: Mortgage

I have made 4 payments on my mortgage. The first one to XXXX  XXXX  and 3 of them cashed by Shellpoint. On XX/XX/XXXX XXXX  XXXX  confirmed they sent their payment to Shellpoint. Yet, Shellpoint is saying I have made only 3 payments. I have provided support for all 4 of my payments numerous times. I have spoked to 4 different people. Yet, they still say I owe one payment. I asked them if they received the payment from XXXX  XXXX  and I hear different answers from them. So I am not sure. I believe XXXX  XXXX  that they sent over the payment. But Shellpoint isnt even looking for it even though I have requested this numerous times. They are XXXX  and crooks.
Product: Bank account or service

I opted into a new account feature called Categories whereby the bank was going to group my spending and savings history. However, they did not deliver on this promise. Instead, they caused unavailability to my account history information, including access to transactions over 30 days and all check images. When I called to get support, I was told that they were unaware that this " feature '' had been rolled out to consumers/customers and they had limited knowledge of the technology. Someone should be safeguarding the consumer so that financial institutions can not treat us as hamsters/guinea pigs to test out software or feature sets that have not had internal validation testing. I rely on this information for multiple reasons. Today, I was attempted to file my federal income taxes, and some of the payments I have made throughout the year help me validate my own records. Not having availability has significantly thwarted my efforts to file my federal income tax return timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). Listing these items as information without verifying them within the legally mandated time frame is unacceptable. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting

Transunion, XXXX and XXXX have altered my financial records without providing to me any explanation for doing so. As such, I have no idea why Transunion especially, altered my credit records, and as such, I have no way to dispute, if I desired to dispute it, that alteration. On XXXX XXXX, 2016, my credit score with Transunion was XXXX and contained ( XXXX ) hard inquiry. On XXXX XXXX, 2016, for whatever reason ( s ), Transunion lowered my score by ( XXXX ) points? and added ( XXXX ) hard inquiries to my file? XXXX and XXXX did the identical thing. In XXXX, 2016, I filed a complaint against Transunion for the identical conduct and they corrected my record. Sadly, Transunion did not learn much from that complaint, because on XXXX XXXX, 2016, they did the identical thing. This secret altering of my financial records at these XXXX bureaus is adversely affecting my financial security and ability to engage in financial transactions. It has become clear to me that these agencies arbitrarily ( add or delete information to a person 's private records ) without the consumer ever knowing it is being done nor the reason ( s ) why it is being done. You ought to put a STOP to their shenanigans.