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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. Additionally, please supply the description of the procedure used to determine the accuracy and completeness of the information. This is your final chance to resolve the inaccuracies on the items : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}, Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account off and it needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong XXXX XXXX  Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance, XXXX XXXX XXXX XXXX XXXX Account Number XXXX this account is reporting inaccurate the balance is higher than the high balance, XXXX XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance,
Product: Checking or savings account

My husband and I went into Chase bank located off XXXX XXXX XXXX in XXXX, Texas and opened a business account. This is the account the bank rep instructed us to get due to the amount of deposits we would be making. We had a live Chase check totaling {$15000.00} from my husbands place of business. They cashed and deposited those funds that day, XX/XX/XXXX at XXXX. We were told our funds would be released by XX/XX/XXXX at the latest. On Monday, XX/XX/XXXX our entire account was restricted. My husband was told they needed his social to verify the account. He was at Chase Bank on XX/XX/XXXX - XX/XX/XXXX for XXXX hours each day trying to work this out. He was told there was no social verification needed. They needed him to verify the origination of the check. He brought in the company CEO and Manager from his job and got that taken care of. My husband requested the account to be closed and a check to be issued. They would not complete this on the spot. They said they put in for the account closure and he should receive a cashiers check within XXXX business days. On XX/XX/XXXX my husband called to verify this had been done and if they issued the check, as we had not received it. The customer service rep stated no request was submitted and our account was currently active and restricted. Today, XX/XX/XXXX, he went into the same Chase Branch and got a different story of what he needed to do from 2 different people. The branch manager would not come out of her office to handle this even though he requested her assistance. He finally stated his wife needed the branch managers name and the district managers names as she would be filing a CFPB Complaint as this is no way to conduct business, and XXXX XXXX came out to help him. She is the branch manager. This issue was still not resolved. XXXX  stated she would 'dig deeper and get everything reversed '. My husband walked out with no cashiers check, no active/unrestricted account and our funds are in Limbo with this bank. We verified and brought in every single piece of personal identification requested, we still do not have access to our money.
Product: Credit reporting or other personal consumer reports

My personal information was fraudulently used to open an account Barclays Jet Blue Credit Card. I've asked for the company to investigate and share there findings without any reply. This has negatively impacted me and my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Victim and current residing in XXXX, FL. Im currently fighting homelessness, and in dire need of some type of assistance with removing negative items from banking institutions from my credit report and civil cases of unknown and unauthorized reports on my National Civil Court public record. Im suffering and imposed with financial pressure, I have a blemish credit history 3 eviction reports due to XXXX and was created by my XXXX without my consent and knowledge.
Product: Vehicle loan or lease

I have written to Nissan Motors on two occasions pointing out they are reporting a 90 late in the Payment Status when the account shows closed with a XXXX  balance. This is impossible ... .must be a key punch error. You can't be late when the account is closed with a XXXX   balance.
Product: Debt collection

There are several collections listed on my credit file through the same company. I never received a notice in the mail or actual verification and I have disputed several times. I uploaded what this company provided to me for validation. There is NO WAY these charges belong to me. Where did I sign to authorize? What was done to accrue these charges? 



Please help, the information listed shows as follows seven accounts total GLA Collections {$1600.00} {$1000.00} {$560.00} {$560.00} {$560.00} {$560.00} {$560.00}
Product: Credit card or prepaid card

" Citi '' would not help us with the recent Hurrican Michael in XXXX XXXX FL. We lost everything and were denied FEMA. ( Wife and I ) We Ask them to help and they said to call!! We LOST everything which means Everything. I am using strangers devices ... They said they could not help, unless I call. I Lost everything and all I ask for them to do is hold that acct until XX/XX/2018. They said to call again. I do not understand. how they think we can just call?? ... when one has lost everything. No internet. no cell service, no cable, no nothing ... I don't want bad credit for something that was out of our control. It's not fair & feels somewhat illegal. I will try to find another person ' device to check email please help PLEASE
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. 

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

In accordance with the fair credit act XXXX XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

My loan is being serviced by Citi Mortgage and the owner of my loan is Fannie Mae. I have been trying to get PMI terminated on my loan from almost an year. Every time I start this process, i get different answers from Citi and they blame it on Fannie Mae changing rules. Initially I was told that PMI would be automatically terminated if I pay of extra mortgage payments and when it reaches 80 % LTV without reappraisal or doing anything. I did that then Citi told me that its not possible for automatic termination and I need reappraisal done. Then I requested when would be the scheduled automatic termination of PMI and they said there is no PMI termination without reappraisal. I get different PMI policy letters everytime I request PMI cancellation and they blamed the PMI policy changes on Fannie Mae. I called Fannie Mae requesting the rules and they mentioned the PMI policy changed only once in last year. I also lodged a complain at Fannie Mae and requested them whom should i believe. Currently my loan is lesser than 77.4 % LTV ratio based on original loan value but Citi keeps pushing for reappraisal and not offering automatic PMI termination clause. I need help from Consumer Finance to resolve this issue.
Product: Credit card or prepaid card

I generated credit report by XXXX on XX/XX/XXXX and was surprised to see XXXX XXXX/XXXX account/ Portfolio Recovery Associates and the charge. 
Detailed scenario is as follows '' I had visited XXXX XXXX Store, XXXX XXXX, CT on XX/XX/XXXX and purchased few items. On payment counter, I submitted my personal information along  with my social security number to apply for XXXX XXXX credit card. As per the executive at the payment counter, my credit card application could not be processed. Hence I had to swipe XXXX credit card which I had that time. 

Apparently XXXX XXXX charged me {$37.00} to XXXX XXXX credit card instead of XXXX credit card. When I tried to check my XXXX purchase history, I was unable to find the XXXX XXXX transaction. Also verified with XXXX customer care that the transaction was not completed and hence can not be located. 

I am not agreeing to the disputed charges as the XXXX XXXX XXXX have not issued me any card till date. Also, I have never received any kind of communication. Not an email, letter notification or even a phone call. 

Now this account has been transferred to PRA i.e XXXX XXXX XXXX XXXX, ( Dept XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX ). 

I have approached myself to XXXX XXXX, XXXX XXXX & then PRA for clearing this pending amount appearing on credit report where I raised a dispute with PRA. 

I received a letter from PRA on XX/XX/XXXX stating " We have already responded to previous dispute same as the present dispute and the matter is closed from our side ''. I have attached all the communications from PRA till date where they are not giving me proper response for the queries I raised. 

As this issue happened due to carelessness of XXXX XXXX XXXX. Now PRA LLC is not considering points mentioned by me and the response given by them are not specific to my case and seems to be very generic. 
Could you please investigate this issue and help me to resolve this without penalty charges? 

Appreciate your help, Thank you.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONTACTED EXPERIAN XXXX AND EXPERIAN ABOUT A BANKRUPTUCY ON ALL 3 REPORTS AND THEY TOLD IT WAS VERIFIED BY THE PA COURT SO I CONTACTED THE COURT HOUSE AND THEY SENT ME A LETTER STATING THEY DONT REPORT TO CREDIT AGENCIES AND NEVER HAVE PLEASE HAVE THIS REMOVME FROM MY CREDIT REPORT IVE BEEN TRYING FOR 6 MONTHS NOW TO HAVE THIS INFORMATION REMOVED
Product: Credit reporting or other personal consumer reports

I have been requesting for months to opt out of the transaction history being reporting. I have the privacy policy and federal law and the privacy act of 1974 says I have rights to opt out.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Debt collection

The company sent me an email to " go paperless '' for my bill. I have never heard of this company, and know of no reason why they would be billing me, or even contacting me. What concerns me explicitly here is that it appears they are trying to trick me into acknowledging that I have read the email by clicking a link to " go paperless '' or " opt out. '' I won't be clicking either of these links because that's a tactic used by spammers. If I do owe these people money, they can contact me like a normal company instead of stealing my email address and attempting to trick me. I've included the full email they sent me.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up my previous dispute with unauthorized inquiries that have appeared on my credit report. Please investigate and remove the following inquiries promptly : Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was behind on my mortgage due to financial hardship. I applied without SLS and was given a unemployment modification. Which began before my new job was to start even though I made them aware of the start date for my reemployment on XX/XX/2024 they started the trial payments with a payment being due XX/XX/2024. I put together money to pay that payment on a specific date the payment didnt go through because my bank didnt clear all the funds I called up sls we ran a payment on XX/XX/XXXX or thereabouts and set up the set the next two payments in the trial. For the XXXX of each month in XXXX the payment was debited on the XXXX before I was paid and returned they canceled my modification. I called back, spoke with an agent who was to escalate it to a manager to have the modification reinstated. I never heard anything back. They then subsequently debited my account several times, triggering negative balance, and the modification was not renewed. Ive been filed my first complaint with consumer protection bureau, on XX/XX/XXXX I spoke with sls assistance agent and the plan was to file an application with an updated income statement for consideration of a new modification and trial. On XXXX XXXX they debited my checking account again without my authorization which caused a negative balance, and my power bill was returned on payment. I called them up today and the lady was not helpful. Stated payments were not set up and did not give a reason for the continued attempts for them to debit my checking account. I am awaiting a manager call back for today which has not happened I was told it would be within an hour and I still have not heard back, but this has caused significant damage with return fees on their part, my bank and other creditors, such as XXXX because of these on authorized trans ions. I feel they are not sincere with their attempts with the hardship assistanceloan I requested to consumer protection financial Bureau look into this matter, and assist me with these unfair and deceptive trade practices that they demonstrate with these type of actions. This has made it very difficult for me to get caught up with my financial situation and mortgages. They are now notifying me that my loan is in default and have began foreclosure proceedings. I was told to write a letter and submit another application but again this is causing several dominoes when they randomly continue to debit my account and cause other payment returns and additional fees please assist advise on this matter.
Product: Credit reporting or other personal consumer reports

I have filled out a report to clarify the incorrect information that has been sent by the credit bureau through my email. I am writing to formally dispute an error on my credit card statement. I have requested a further investigation regarding this matter, but the problem became disregarded by the company. I appreciate your prompt attention regarding this matter.In addition, I would like a confirmation receipt to keep me notified.
Product: Mortgage

PNC Mortgage has refused to acknowledge my payment history ( despite providing it to me ) ever since my loan was purchased by them ( effective ) on XX/XX/2022. My payment history clearly shows my account being ahead one full payment for the purposes of bi-weekly mortgage payments. I was assured on more than one occasion ( verifiable by more-than-one recorded phone conversation ) that brining my mortgage " current '' would trigger the bi-weekly mortgage payment drafts that I had enrolled in. This never happened. Despite their assurances ( and an apology from " XXXX '' ), I'm now being told I need to make an additional full payment in order to begin bi-weekly payments. Furthermore, on or around XX/XX/2022 PNC Mortgage/Bank drafted ( withheld ) one half loan payment from my personal checking account. I had not provided account information nor had I authorized or desired this draft, as it was not in line with my existing biweekly schedule. I have repeatedly requested information as to how the amount of a half-payment was drafted and PNC employees have repeatedly dodged the question and refused to provide an answer. My complaint was move to the executive level where " XXXX XXXX '' ( full last name intentionally withheld ) was supposed to review my complaint and payment history and contact me the week before XXXX 2022- It is now XX/XX/2022 and ( despite 2-3 attempts at speaking with " XXXX XXXX '' ) I have not been contacted and my calls have not been returned. PNC has evidently decided to ignore me.
Product: Credit card or prepaid card

In XXXX I charged two transactions ( both deposits for my wedding reception ) at the XXXX XXXX in Washington, DC to my XXXX XXXX Citi Advantage Card. The first charge was made on XX/XX/XXXX for {$5400.00} and the second charge was made on XX/XX/XXXX for {$5400.00}. Due to COVID I was unable to hold my wedding reception ( scheduled for XX/XX/XXXX ) at the vendor location, and so on XX/XX/XXXX the vendor processed the refund in full back to my credit card for both of the aforementioned charges. The vendor has provided me a paper trail supporting that they processed the refund, as their documentation included the first four and last four digits of my credit card, my name and the correct refund amounts ( there was also one other refunded charge to a different credit card with XXXX XXXX, and I received this back to my credit card almost immediately ). Unfortunately these two refunded charges never showed up on my Citi Advantage Card, and so Citi advised that I initiate a dispute for both charges. I opened up two disputes on XX/XX/XXXX, and Citi has yet to resolve this issue. I have provided Citi with the refund documentation provided by the XXXX XXXX, proving that the refund took place, but Citi will not resolve my issue and each time I call Citi to inquire about the status of the dispute, I receive different information that contradicts what the last person told me. Citi is, in effect, stealing nearly {$11000.00} from me. Moreover, I wanted to cancel this credit card to avoid the annual fee of {$99.00}, but was unable to do so for fear that I would never receive my money back. This back is horribly non-responsive and I will never do business with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint because this organization is reporting inaccurate unfair information on my consumer report. On XXXX I became aware that this company furnished an account on my consumer report that has never been verified. I also do not recognize this account and I was never notified by this company that they were attempting to collect a debt. I do not know were this debt came from and it may even be fraudulent. I never gave this company consent to have my private information. 15 USC 1692 Congressional findings and declaration of purpose states that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. My privacy has been violated because my information is being shared by 3rd party companies without my consent.