23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have had a PNC HELOC line of credit and loan since XX/XX/XXXX. Per the terms of the loan, payments are automatically withdrawn from my PNC checking account monthly around the XX/XX/XXXX of each month. Per the terms of my loan, the automatic payment withdrawal program entitles me to a .25 % interest rate reduction. However, since XX/XX/XXXX, PNC has been intentionally misapplying my additional principal payments and not automatically withdrawing my normal monthly payments in order to benefit themselves with more interest and prevent me from paying down the loan faster. Their failure to correct the problem since XX/XX/XXXX ( despite numerous phone calls and online disputes of payments ) has resulted in me paying additional interest that otherwise would not have occurred had they correctly applied the payments or corrected the problem in a timely manner.

As you can see from the attached statements, on XX/XX/XXXX, I made an additional principal payment of {$500.00} that was initially applied to principal, then reversed to be applied as a normal payment ( principal and interest ). This caused the normal XX/XX/XXXX payment to not be automatically withdrawn and I had to make the payment manually on XX/XX/XXXX which was again applied as a normal payment ( principle and interest ).
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXXXXXX 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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 Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not.

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting a chargeoff on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has already gone to judgment and I am making payments. I have attached paperwork for reference regarding this account. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am writing to address concerns regarding potential violations of the Fair Credit Reporting Act ( FCRA ) and associated regulations. As stipulated in 15 USC 1681 section 602a, consumer reporting agencies such as Experian are duty-bound to uphold their responsibilities with fairness, impartiality, and a commitment to consumer privacy. Similarly, financial institutions, including XXXX XXXX XXXX, are mandated by 15 USC 6801 to respect consumer privacy. 

In accordance with 15 USC 1681 section 604a section 2, I wish to underscore that the furnishing of consumer reports is contingent upon written instructions from the consumer. To date, neither Experian nor XXXX XXXX XXXX has obtained my explicit written consent to furnish my information. 

By invoking my rights under 15 USC 6802 ( b ) ( c ), I am officially opting out of and revoking any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, that may have been previously granted to Experian and XXXX XXXX XXXX. It is noteworthy that XXXX XXXX XXXX failed to apprise me of my right to exercise the nondisclosure option, as mandated by 15 USC 6802.

Furthermore, 15 USC 1681 ( c ) ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a consumer report without proper authorization. The reported account is deemed adverse and has been shared without my explicit permission, thereby constituting a violation of 15 USC 1681s-2 ( A ) ( 1 ) ( a ). 

Under 15 USC 1681E, consumer reporting agencies are required to maintain reasonable procedures to prevent violations. It has come to my attention that Experian may not be adhering to these prescribed standards. 
In accordance with 12 CFR 1016.7, I am formally exercising my right to opt out of adverse reporting services. I respectfully request your immediate attention and resolution of these matters. Your prompt response to this matter is highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is only offering one year of credit fraud/identify theft protection - basically a trial period, for free. It then auto renews, and charges the consumer for the protection. 

As Equifax is the company that : a ) is responsible for exposing all of our information b ) rendered us vulnerable to credit fraud and identity theft - for life. 
It has now also put itself in the position of being able to *profit* from our need for perpetual protection. 

Worse still, if you use Equifax 's service, you must -in writing- state that you op-out of the arbitration clause, and within 30 days. 

As is now well known, the breech has exposed consumer information such as : social security numbers, bank account and credit card numbers, addresses, mother 's maiden name, drivers license, birthdays, investment accounts, account transaction information ( date, to/from who, amount, etc ), retirement and pensions, estates, medical insurance, XXXX, XXXX, medical records, court cases, legal actions and activities, subscriptions, prescription information and accounts, other licenses, mortgage/rental accounts, auto loans/insurance, student/college loans, driving records, voter information, potential tax return theft/tampering, etc., etc. 

As a side -but related, note, no one has yet discussed the potential for blackmail. How many people -including politicians and policy makers- might be held XXXX by the threat of revelation of some item they do n't want made public? 

The scope and scale of this breech is almost unfathomable. What can be done with all this data is unimaginable. None of the information exposed can be recovered, the damage can only be mitigated. The cost of such mitigation should be born by Equifax. 

A check of current companies that also provide such services has revealed that the cost of such protection currently starts -at min- $ XXXX p/year, per person. That means my husband and I will have to pay about {$500.00} p/yr for protection, for the rest of our lives, and possibly beyond that as it may have unknown/unforeseen impacts on estates. 

As the credibility and long term viability of Equifax may be in question, and Equifax is aggressively seeking to limit consumer 's ability to seek legal redress, Equifax should a ) pay for lifetime credit fraud and identity theft protection and, b XXXX pay for whatever company provides the service to the consumer - not just Equifax 's services and, c ) should completely eliminate the arbitration clause.
Product: Credit card or prepaid card

On XX/XX/XXXX I went to XXXX XXXX XXXX to withdraw XXXX $ I got a receipt that said invalid entry please try again. No money dispensed so I thought I would try for XXXX $ thinking it 's the hoilday maybe the time machine is low on money. I get a receipt that says please contact your merchant. I thought I would go try another XXXX XXXX time machine. I pulled over and checked my account from my mobile app and the XXXX $ dollors was deducter from my account and the transaction shows completed. I am using an American express prepaid card that was issued from XXXX XXXX tax service 2 years ago and I have direct deposit from my employer. I called customer service and filed an disbuet. They said someone will contact me within three business days by email. They also wanted me to send a written request to a fax number. I did that aling with receipts from the transaction. There policy says it can take 10 days to receive a temporary credit and 45 days for a compleate investigation. I went to XXXX XXXX office located in XXXX and was told they would check there records and call me back. They called to say they were balanced so the card holder has to be overby XXXX . They concluded they investigation on XX/XX/XXXX and the email said that they were informed that the money was dispensed from the merchant. I filed a dispute with American express.I then took that e mail back to the corporate office and was told that this was not true. The North shore rep from the electronic department And I had a conference call with.American express and was told that they are not able to connect us to the dispute team, they only contact was email and were not able to provide that information either. Well since I had a fax and email from them we then faced a written letter from XXXX XXXX rep, there star transaction showing all transaction and the amounts aking with my transaction showing no funds were dispensed. I am currently waiting to see the outcome and hopefully a credit for XXXX $ Only contact information I have is this email that they are asking me to fax to XXXX and a fax of XXXX XXXX XXXX XXXX XXXX rep were very kind and are willing to get video footage if they can.
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 bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

Transunion continues to be non compliant and with improver investigations
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, addresses nor did I authorize these companies to pull my credit. Please remove them.
Product: Credit reporting or other personal consumer reports

Hard inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RESIDENT VERIFY In accordance with the Fair Credit Reporting Act. The lists of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  : 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

Hello, I originated my PPP1 loan through XXXX, inc, funded by Customers Bank. I've been waiting all year to apply for forgiveness and was finally able to on XX/XX/XXXX of this year, many months after other lenders began accepting forgiveness applications After months of calling XXXX and not getting a human on the phone nor a response to my numerous emails, I finally get an email from them last week demanding crazy documentation like a signed bank letter saying I own accounts, personal utility bills, color voided copies of checks, marriage license etc. etc. I googled and it and discovered that I'm not alone. It appears XXXX is scamming people using the same tactics. They require the borrow to sign a docusign saying they are applying for {$0.00} forgiveness before even sending the XXXX which is not required by XXXX. I did verify with XXXX that my loan does not require the documents they are asking for because it was small ; however, beyond that, the XXXX isn't offering help. Customers Bank is the lender of record, but they're hiding behind XXXX XXXX Personally, I believe Customers Bank is ultimately responsible for their vendors and subject to CFBP intervention. I hope the CFPB investigates and intervenes into this obvious scam between the two companies screwing people out of thousands of dollars. Interest is mounting on these PPP loans while XXXX and their lenders are arbitrarily delaying and denying loans forgiveness without even sending them to the XXXX for decisioning.
Product: Credit reporting or other personal consumer reports

Based on a review of my credit report, Ive sent the following letter to have the report corrected and all inaccuracies removed, Under FCRA 15 USC 1681 and privacy act of XXXX  for the purpose of maintaining the consumer report in premium standard. The following that have been highlighted should be removed as they are considered certificates of indebtedness which is considered income per 26, CFR 1.61 - 12 of the internal revenue, sub, chapter A and 26 CFR 1.108-2 The creditor debtors partnership treatment of value for market value of indebtedness, as equal to the liquidation for value of the debt for equity interest for the purpose of determining the tax consequences of the debt for equal exchange. All soft inquiries are unrecognizable and are to be removed per 15 USC 1681 permissible purposes, and the privacy act of 1974. These soft inquiries were not notified of to be placed on my consumer report, or verbally consented to, and should not have been reported without written permission. The following have been highlighted for removal from the consumer credit report names and addresses for removal as they are incorrect, spelling and non-malleable addresses, all phone numbers highlighted are noncallable and I can not be reached or notified of any changes on my credit report all nonaffiliated, third-party collectors with account numbers and transaction history are to be removed as they are charge off from the original creditor and are considered zero certificate of debt which is income per 26 US 61 where gross income is defined and considered income can not be reported at is a violation of financial transaction to be considered non-public personal information and to be removed immediately. 12CFR 332.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 332.4 ; as I was not notified prior to making a record of any accounts or transactional history per the violation, it is to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, as previously notified
Product: Debt collection

According to ZION DEBT HOLDINGS, they bought a debt from XXXX XXXX XXXX for the amount of {$1300.00} which they claim I owe. They say XXXX didn't cut off their service until XX/XX/XXXX. I have not lived at that particular house since XXXX. I called XXXX right before I moved & told them that I was canceling the service. The representative ask if I wanted to transfer my service & I told her I couldn't afford it & to just discontinue service. I didn't save my monthly statements because I didn't think it was necessary. I have ask Zion for verification of the debt but the woman I talk to ( everytime I call ) tells me they don't have it. XXXX didn't give them that information. In the meantime they've put this alleged bill on my & my daughter 's credit. My daughter signed for me to get the service & now they're ruining her credit! Her credit score was 800+ but now it's steadily dropping & she's very upset. She just bought a car for her son & because of the credit score drop she had to pay a higher interest rate. We never thought anything about getting a debt in collections for a home security account. This woman had " repeatedly '' told me that this is a bill for services rendered but when I kept calling she now says it's a " breech of contract '' billing statement. I KNOW that this a mistake, possibly someone's else 's account. Now this woman from Zion is saying that I didn't complete the cancelation?!?!??? I have told her repeatedly that I called XXXX & canceled my service & the representative didn't tell me to do anything further. XXXX has already filed for bankruptcy again & I think that possibly they are making mistakes on their accounts & it is sorely unfair for my daughter & I to be hassled over a bill that's not mine to begin with. I am having trouble with my credit because of many bills because of my health problems. I have Lupus & several complications with it BUT I don't think it's fair to cause my daughter to lose credit points because of a mistake. She works very hard ( nurse ) for her money & she prides herself for having a great credit score & I was starting to work on mine but this has drug it down under 500. I know I'm repeating myself but I just want to make it clear that this is most definitely a mistake. One more thing I don't understand is WHY has this so-called bill just now surfaced? I hope you can get this resolved. My idea of a resolution would be for Zion to release my daughter & I from this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem is with the Credit Bureaus XXXX Equifax stated that CFPB are only ones who define the process and Equifax only followed CPBP policies ) Issue .... 
- My mortgage loan was transferred to another company - This reflected in a drop in my credit score ( XXXX points ), and I can't see how that is my fault! 

- Tried to submit a dispute, but Equifax said they couldn't do that because they couldn't see my score- I tried to understand ; they can't my score in all cases ; but if it were a delay in my payments or too many credit checks I could submit a dispute, so how was this different? How did their inability to see my scores have any weight on when they could or could not submit a dispute on my behalf? 
That is when they said if I wasn't convinced I should contact CFPB as they decided the process How can I resolve this please? 

Question .... as seen in snapshots, balance decreased? account closed? I would have thought those would add points not reduce them? : (
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX .... Balance : {$600.00} ; XXXX XXXX .... Balance : {$18000.00} ; XXXX  XXXX .... Balance : {$6900.00} ; XXXX XXXXXXXX .... Balance : {$10000.00} ; XXXX XXXXXXXX .... Balance : {$5300.00}