23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Signed up on the internet for a First Digital card with XXXX XXXX XXXX. Was told I have to pay a XXXX fee upfront. Processed this with my credit union in XX/XX/2022. I was told by customer service at First Digital that I have a XXXX credit limit and after the annual fee is taken out I have XXXX available. Talked to someone named XXXX at XXXX XXXX XXXX XX/XX/2022 and told him to close the account. Cut the card up. Talked to someone named XXXX at the same number yesterday. They wont tell me where they are located. Nothing is secure about this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Incorrect mortgage 90-day late reporting XX/XX/XXXX on my credit reports which in forbearance I have a forbearance agreement dated XX/XX/XXXX for my Rushmore mortgage loan # XXXX. 

It confirms my forbearance arrangement was from XX/XX/XXXX to XX/XX/XXXX and it states I am eligible to extend for up to 250 days. 

XXXX now is my servicer and they are reporting my mortgage since inception XX/XX/XXXX correctly so having Rushmore report as another mortgage during these same dates makes it look as if I had two instead of one mortgage, in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and fraud. I have notified alleged creditors that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credit, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my Social Security number has been used unauthorized, and without consent and written or verbal permission. My Social Security number information was breached and alleged creditors have used my Social Security number and are in violation of the privacy act of XXXX etc. unless they can prove a written contract exist. 

EXPERIAN has received my FTC Identity theft report, FTC Complaint and Affidavit, and proof of identification via USPS certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX signed for by EXPERIAN agent XXXX XXXX, there is no proof to the contrary. EXPERAIN is in direct violation of the FCRA section 605B 15 USC 1681c-2 Block of information resulting from identity theft as pursuant they must remove all fraudulent and inaccurate information from my consumer report no later than four ( 4 ) business days after the date of receipt
Product: Debt collection

Midland Credit Management sued me, via XXXX, XXXX XXXX XXXX XXXX XXXX, with a summons issued on XX/XX/XXXX. The case was just dismissed on XX/XX/XXXX, but it should have been dismissed a long time ago. I've been to court three times now for the same matter. I filed, without an attorney, two motions, a letter to Midland, and attempted to file an asset subpoena. 

The attorney never received the second motion, filed XX/XX/XXXX. She read my copy. 

Midland kept alleging that my account was opened as a XXXX XXXX, when it was opened as a XXXX XXXX, which was later transferred, by XXXX, into their MasterCard program. I have all of my purchase receipts and billing statements, and nearly all of my payments were made in-store, so I have those receipts as well. 

I was never invited into the courtroom to show my evidence. The attorney ( mediator ) for XXXX always met with Midland debtors outside the courtroom to get people to arrange a payment arrangement. I would never do it because they kept sending me copies of statements that didn't match mine. That was my main issue. I have an account and the issuer did charge it off, but it appears to be lost. 

If a debt collections company is going to go to the effort and sue me, the onus should be on them to prove their case. I shouldn't have to keep requesting info in order to verify they have the right account. And where are my rights? I should have been let into the courtroom once I said that they didn't have the right account and I had evidence to prove it. 

Not only that but Midland reported my account to the credit bureau before they got a payment arrangement or won a judgement. Someone got my XXXX XXXX deleted from my credit file, along with five years ' worth of payments that I did make. And even XXXX XXXX conceded that my account was opened as a XXXX card, so I don't understand the disconnect between a debt collector and their law firm.
Product: Credit reporting or other personal consumer reports

There's an XXXX card in my credit report. I disputed it two times and had it investigated. I called the company and they refused to talk to me about the account as it wasn't mine, yet said they couldn't remove it off MY credit report??? It's insane. It's not mine, this is the second time this has happened. It needs removed and ignite should have better policies in place. As well as transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account with acct # XXXX is reporting incorrectly. This ongoing and continuous violation of the Fair Credit Reporting Act is causing me undue stress and is a defamation of my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$74000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  ) XXXXBalance : {$71000.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been contacted by Portfolio Recovery Associates several times in regards to an alleged debt collection listed in the amount of {$1000.00}. I have repeatedly notified them that this is not my account. I have never had or opened an account with this company. This company does not have an agreement with me or a contract with my signature. There has been no debt validation or verification provided to me concerning this alleged debt collection. I've requested all of the following with no response : -The original contract -Payoff disclosure -Interest Rate disclosure -Balance history -Payment history -Credit Insurance I've disputed this item several times on my credit reports. They are reporting inaccurate, incorrect and damaging information in clear violation of consumer laws, the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX 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: Credit card or prepaid card

As consumer and creditor I submitted consumer credit application for financial product of Barclays via Application XXXX XXXX XXXX XXXX Mastercard and Application : XXXX JetBlue Mastercard. 
Company per 18 U.S. Code 1951 delayed processing application via 15 USC 1611 unfair, deceptive and discriminatory practice in violation of 42 USC 408a8 to compel disclosure via U.S. mail front and back of 15 U.S. Code 1693a ( 1 ) social security card despite right of refusal per 31 CFR 1.32 ( c ) in accordance to United States social security administration privacy and confidentiality agreement. Notice of cease and desist subjection to credit approval as unlawful conversion of 12 CFR 226.2 ( 14 ) secured right to credit via credit application against prohibit basis in good faith exercised any right under the Consumer Credit Protection Act. Barclays obtained consumer report from XXXX and has not provided 12 CFR 1002.2 open-end account for consumer credit upon request in accordance with completed consumer credit application and notary witness affidavit via US passport credit device. 15 USC 1602p unauthorized use of social security adminstration credit card number despite secured application per 15 USC 1692j. request documents have been attached despite unfair practice of Barclays to compel document in violation of personal right of privacy.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint against 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 Bankruptcy Account # XXXX for violations of my rights under the Fair Credit Reporting Act ( FCRA ). I believe these companies violated the FCRA, specifically 15 U.S.C. 1681, in the following manner : Right to Privacy : According to 15 U.S.C. 1681a, Section 602 ( A ) of the FCRA guarantees individuals the right to privacy concerning their credit information. However, it has come to my attention that 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 XXXXXXXX has egregiously infringed upon this right by improperly handling and disclosing my personal credit information. Such actions not only undermine my confidence in the security of my financial data but also constitute a breach of trust in the credit reporting process. 

Failure to Obtain Written Instructions : As outlined in 15 U.S.C. 1681b, Section 604 ( A ) ( 2 ) of the FCRA, consumer reporting agencies are prohibited from furnishing credit information without obtaining written instructions from the consumer. Despite this clear requirement, 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 XXXXXXXX has evidently failed to adhere to the law by reporting information about my account without obtaining my explicit written consent. This blatant violation not only disregards my rights as a consumer but also raises concerns about the accuracy and integrity of the information being reported. 

These violations by 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 XXXXXXXX not only undermine the principles of fairness and transparency enshrined in the FCRA but also have the potential to adversely impact my financial standing and reputation XXXX Therefore, I respectfully request that the Consumer Financial Protection Bureau launch a thorough investigation into this matter and take appropriate enforcement actions to ensure their compliance with the FCRA. 

Enclosed with this letter, please find supporting documentation, including copies of relevant credit reports, correspondence with 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, and any other evidence substantiating my claims. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently pursue this dispute and safeguard consumers ' rights in accordance with the FCRA. 

Should you require any further information or assistance, please do not hesitate to contact me at the above-listed contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Attempted to access my CONSUMER FILE but encountered some issues. I have rights to the disclosure to me my consumer file pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I demand a copy of my consumer FILE from YOU to be mailed to me at the address on my proper identification. I demand a response from you within 15 days of this complaint. Along with this complaint is a copy of my proper identification. Thank you for your cooperation.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX inquiry was not authorized XXXX  XXXX  Date of inquiry : XXXX. 
IDENTITY THEFT. 
XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX OPEN DATE XXXX, XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account Number XXXX OPEN DATE XX/XX/XXXX XXXX XXXX. XXXX XXXX Account Number XXXX OPEN DATE XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX  ACCOUNT NUMBER ; XXXX OPEN DATE XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX OPEN DATE XX/XX/XXXX. XXXX BALANCE
Product: Debt collection

CB Manistee has several debts on my credit report with XXXX. The other 2 credit reporting agengies have removed these debts but XXXX  has not. I have tried and tried for a couple of years to get these debts straightened out. Sent copies of payments to cb manistee and the credit reporting agencies and yet they still appear on my XXXX  report. ALL OF THESE DEBTS FOR MEDICAL HAVE BEEN PAID OFF DIRECTLY TO THE HOSPITALS AND OR DOCTORS. THANK YOU
Product: Mortgage

PNC Mortgage / PNC Bank keeps on delaying the process to remove my PMI. According to my mortgage agreement, the PMI on my mortgage should be removed when the LTV ratio is 80-20 and I meet certain other requirements like regular payments etc. I meet all the requirements and have made the required payments on XX/XX/XXXX as reflected in the attached statement. Furthermore, since my mortgage agreement says that the lender may require an appraisal before removing PMI to ensure that the property value hasn't gone down, I asked PNC to clarify if they need an appraisal and if yes then please go ahead with the appraisal.

Now this is where they stated with the delaying tactics. First, they misapplied my payment made on XX/XX/XXXX and put it in some " Other '' category when it should go towards reduction of my principal.

Next, despite my repeated communications to tell them to use the corrected payment information before sending me an answer on the appraisal, they took good 2 weeks and sent me the information with misapplied payment. Note that they did this despite telling me they will start the process to remove the PMI with the correct payment information as shown in the attached email communication. Their letter that I received said that I haven't reached the 80-20 LTV ratio even though I clearly have.

Next, they made me wait before I could send in a new request to remove the PMI while they corrected the misapplied payment. I complied and sent them a new request again onXX/XX/XXXX. They said I will shortly receive the letter with the appraisal order form but I still haven't received anything. It's been about a month since I made the payment that took my LTV below 80 percent and still they haven't provided me a simple Appraisal Order form. They refuse to allow me to get another appraisal myself from a certified appraiser or to directly contact the appraiser that they themselves recommend. All this while I am suppose to keep on paying the PMI. Just providing the customer with an appraisal order form should not take more than a month in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting on my credit report. According to the information provided by TransUnion, XXXX and XXXX, there is a late payment listed on my account for XXXX XXXX XXXX. I would like to emphasize that I have never been late on this account, and I hereby request that you provide proof of this alleged late payment. 

I believe it is essential to address this issue promptly, as an inaccurate late payment notation can have a significant negative impact on my creditworthiness and financial standing. Therefore, I kindly request that you provide documented evidence of the alleged late payment, such as transaction records, to support your reporting. 

If you are unable to produce verifiable proof of the late payment in question, I insist that you take immediate action to delete this erroneous information from my credit report. As a consumer, I have the right to accurate and fair reporting, and any false or misleading information should be rectified in a timely manner. 

I trust that the Consumer Financial Protection Bureau will handle this matter with the utmost professionalism and diligence. I am confident that you will conduct a thorough investigation into my complaint and take the necessary steps to rectify the inaccurate reporting. 

I appreciate your attention to this matter and your prompt resolution of the issue. I look forward to receiving your response within the timeframe stipulated by law. Should you require any further information or have any questions, please do not hesitate to contact me at the phone number or email address provided above
Product: Debt collection

Debt was setttled with Preferred Credit for the amount owed and I was sent XXXX. This company should no longer be on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute on Removal of Fraudulent Information on credit report in Violation of 15 US Code 1681C-2. 
I am writing to dispute fraudulent information on my credit report pursuant to 15 USC 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 US.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED. 

XXXX XXXX XXXX XXXX XXXX As required by 15 USC 1601c-2, please block this fraudulent information from my credit report Immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent Information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mina, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting or other personal consumer reports

Trans Union continues to report inaccurate information on me which is a violation of my rights. They said the info was accurate but cant prove it. I asked them to, they are stalling.
Product: Mortgage

Again, please refer to case # XXXX. We previously filed this complaint and you contacted the company. It was settled. Now they are doing the same thing again - saying that we did not pay for the wind and hail insurance in a timely manner, which resulted in a lapse in coverage. It was paid. Loancare made the mistake. They admitted the mistake. All parties were happy. Now they are back to square 1 and doing it all over again.
Product: Credit card

In XX/XX/XXXX, while I was in XXXX XXXX on an extended stay from XXXX to XXXX, an unauthorized fraudulent charge of approximately {$77.00} was made against a Wayfair XXXX for which I had applied in XXXX. I had applied for the card in order to get a discount while shopping on the Wayfair website, but never received the physical card and never made a charge against the account. 

Wayfair Citi XXXX contacted me in XX/XX/XXXX about a past due balance for a {$77.00} charge made in a sporting goods store somewhere in the United States. I told the agent that the {$77.00} charge was fraudulent. Because the card was compromised and the fact I had not received the card, I closed the account at that time. An investigation was conducted and a credit for the full amount was subsequently issued. I considered the matter closed. 

The charge reappeared a couple months later and I am now being billed for the original amount of the fraudulent charge plus exorbitant penalties and interest. I have spoken numerous times with Wayfair Citi XXXX billing agents and XXXX times with agents in the fraud investigation group to get the charge removed. Despite their promises to remove the charge and to correct the erroneous past due amounts on my credit reports, there have been no results and my XXXX XXXX has tanked from XXXX to the low-mid XXXX. I have written to several Citi agencies as well and gotten no response. 

I subsequently filed disputes with all XXXX major credit reporting agencies, but they responded that Wayfair Citi XXXX told them the charges are accurate. I am now at a loss on how to get my credit report and XXXX XXXX corrected.
Product: Student loan

I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DEPTEDNELNET with no successful resolution. XXXX, XXXX  and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.