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

i reached out to experian as well as XXXX and they told me that a woman i have never heardnof in my life put me in her XXXX XXXX bankruptcy this has caused me to be unable to get a home loan, business loans, car loans and much more. i demand this be removed from my credit reports
Product: Checking or savings account

PNC Bank XXXX XXXX XXXX XXXX XXXX Kentucky XXXX. 

I received a letter from PNC Bank dated XX/XX/2018 advising me PNC Bank will be closing my personal and business accounts XX/XX/2018. I called the number on the letter XXXX to find out the reason several times and they would only tell me it is their right to close any account they want at any time. One representative hanged up on me after I ask her to let me talk with the manager. 
I am permanent disable and live on a fix income below the 1 % poverty level and need to have a checking account to pay my bills with checks or debit card. 

Primary account number : XXXX, XXXX, XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received my investigation results.
Product: Checking or savings account

On XX/XX/2022 I received a refund from XXXX by XXXX. I immediately contacted my bank Chime. I sent a copy of the detailed and itemized receipt. Chime did not investigate my claim because they said I closed the claim myself. I was on the phone with a dispute XXXX XX/XX/2022. He advised me that chime had a system update that caused this error to occur. He said not to worry he could reopen the claim. I immediately asked for a provisional credit while the investigation was on going due to me being a single parent of XXXX who is displaced due to home damages. I was told that the investigations team would reach out to me. The investigations team refused to investigate and didnt make contact with me. I have made numerous calls, I have driven back to the hotel and spoken directly with XXXX XXXX who refunded the charges. She explained that this was between me and my bank. She stated that the bank should be able to update the refund with the receipt. Unfortunately chime has not refunded me. My account is still in the negative. I have called daily and emailed daily chime just gives me the run around. I learned that chime is not a bank and that it is a financial technology company. I was unaware until I started looking for solutions to resolve this. I am owed a refund of {$560.00}. I have requested a full provisional credit until the investigation is completed. Each time I am told something different from the previous agent. I need my money so I can keep a XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly attempted to resolve the fraudulent, inaccurate, and misleading information on my consumer report, yet the problem persists. These erroneous entries have had a severe impact on my life, resulting in considerable stress and anxiety. I must emphasize that, as a victim of identity theft, I never authorized or consented to have this information associated with my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX
Product: Debt collection

Debt collection agency from a rental unit is trying to collect on something that I had already contested with the rental group- XXXX. They call at all hours, harass, have no proof that I owe the money. I contested the incident as they claimed i broke an appliance but had no evidence that was broken. I did this within the time limit required and was not given a response instead they sent the request to a debt collection agency who harasses me nonstop.
Product: Credit reporting or other personal consumer reports

I am contacting you to dispute the inaccurate verification of an account on my credit report. The attached letters provide clear proof that the information is incorrect. However, your agency continues to report the information as accurate, despite the evidence provided. 

This failure to correct the inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, which requires you to investigate and amend inaccuracies. Please reinvestigate the matter and take immediate steps to either correct or remove the false information from my credit report.
Product: Vehicle loan or lease

My car loan was taken out in XXXX of XXXX thru XX/XX/XXXX. I believe my interest rate was too high and extra fees were charged over the time I had the loan.It was also difficult to get a refinance and I paid on time. Also I had a courtesy delay twice. Please check that as well because hidden fees may have been charged.
Product: Credit reporting

Experian, who has established themselves as the basis for FICO scores, has gone from reporting erroneous information to not giving my credit or FICO score to potential lenders. I am trying to get a home loan and the disgraceful behavior of Experian has repeatedly prevented me from doing so. 

Making matters worse, despite the fact they provided NOTHING, they have still dinged my credit with the hard inquiries to which they did not respond.
Product: Mortgage

I signed a loan modification in XX/XX/ on a home equity loan I had had for almost 20 years. In late XXXX of XXXX my loan payment was withdrawn but lost in a direct debit error at PNC Bank. I provided proof of transfer from my primary bank account at XXXX XXXX for {$1700.00}, my regular monthly payment. It took 6 weeks for PNC Bank to track the missing payment. Meanwhile while still searching my account became delinquent. At 31 days delinquent on XX/XX/2023, I was sent to preforeclosure. When I addressed this issue with XXXX from PNC Loss Mitigation he knew nothing about the missing payment, or that my loan was even restructured. He requested the full amount past due on the previous loan {$12000.00}. This is why the loan was restructured- A higher monthly payment for two years. When I contacted the monthly servicer of my loan, XXXX. the one who lost the payment ( XXXX XXXX ) she knew nothing about the foreclosure. I also was not getting a financial statement each month on this new account. The error by PNC Bank and their subsequent woeful unfamiliarity with my loan is astounding. The incompetence of the loan servicer who lost the payment and XXXX from lost mitigations and bold disregard for my concerns and the history of this loan is reprehensible. If I had just been allowed to pay the new monthly payment with any delinquencies the cost would have been a fifth of the demand amount loss mitigation required. My attorney is in the process of preparing a lawsuit against PNC Bank and their loss mitigation department. Lastly, when PNC Bank 's internal affairs division contacted me, the representative from that department was told by XXXX from loss mitigation to and I quote, " to stay out of it! '' Please address this complaint as they are two weeks from filing a foreclosure proceeding on my home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank You, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may verify if this is actually an account that belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

Credence resource management. Trying to collect for a XXXX bill Ive never had in the amount of {$1700.00}. I need it off my credit because it was not me.
Product: Student loan

Navient has been calculating my interest wrong on my student loan. The initial capitalization of my interest was wrong. Then, wrong several other times between stages of repayment. I have paid over {$2000.00} on a {$3000.00} loan that has not moved at all. I 've been reviewing my payments and things do not add up.
Product: Credit reporting or other personal consumer reports

I've persistently raised disputes concerning the inclusion of these accounts on my credit report, which clearly do not belong to me. Regrettably, despite my diligent efforts, these contested accounts persist on my credit history. Furthermore, I've taken the step of submitting numerous reports to the FTC regarding these accounts that have no association with me. 

It's important to note that these companies have neglected their legal responsibility to investigate and rectify these disputes, which is mandated by law. 

Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian and XXXX XXXX XXXX ( XXXX ) for their failure to remove an inaccurate and misleading collection account from my credit report. Despite multiple disputes and clear evidence that the alleged debt is invalid, Experian has failed to delete it from my report, and XXXX has not provided any proof that they have the legal right to collect on this debt. 

I was never notified by XXXX regarding this alleged debt, nor was I given any opportunity to validate or dispute it before it appeared on my credit report. When I requested validation from XXXX, they failed to provide any documentation proving that I owe this debt or that they have legal authority to collect it. The only piece of information regarding this debt is an Email from dated XX/XX/XXXX from XXXX stating this collection will soon report to my credit due to me failing to make suitable arrangements to satisfy this alleged debt. This is a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Additionally, XXXX has violated my rights by : 1. Failing to validate the debt Under the FDCPA, a debt collector must provide proper validation upon request, yet XXXX has ignored or refused to do so. On XX/XX/XXXX, I mailed a validation request to XXXX and requested immediate deletion of their reporting on my credit reports. They never responded to my initial request. 
2. Reporting inaccurate and misleading information Since XXXX has not proven that they legally own this debt, their reporting of it to Experian is deceptive and damaging. 
3. Failure to notify me of the alleged debt I was never given the required written notice of this debt, denying me the opportunity to dispute it before it was reported. 

Experians continued reporting of this unverifiable and inaccurate collection is a violation of the FCRA. Since XXXX has failed to provide proof of ownership or validation, this account must be removed from my credit report immediately. 

Furthermore, I have sent a Cease and Desist notice to XXXX through the XXXX ( XXXX ) on XX/XX/XXXX requesting they immediately cease all Collection activity and delete the inaccurate reporting from my credit reports. They since then have failed to acknowledge that cease and desist. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that Experian deletes this account from my credit report and holds XXXX accountable for their unlawful actions.
Product: Payday loan, title loan, personal loan, or advance loan

They pray on the poor, they add on unnecessary things that you aren't made aware of. There interest is so high you never will get them payed off. They will not work with you on lowering your interest at all. Lesson learned, I borrowed this to get custody of my grandchildren at the time I didn't think I had other options, biggest mistake ever. Terrible company like title pawn getting rich off poor people. So very sad!
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT MY ACCOUNT : Account info Account name XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$12.00}, XXXX written off. {$12.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$12000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$10000.00} Highest balance {$12000.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$8.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8800.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$7600.00} Highest balance {$8800.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4300.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$3600.00} Highest balance {$4300.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$860.00} written off. {$860.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$860.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$850.00} Highest balance {$860.00} Terms NA On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$1000.00} Highest balance {$1200.00} Terms NA On record until XX/XX/XXXX NOT MY INQURIES : XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$470.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$470.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$470.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX NOT MY NAME : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We received a complaint from a debt collection agency called.Trident Asset Manager for a check written to XXXX XXXX over five years and 10 months ago. The check was for {$52.00} and was presented to our bank and the bank paid it two days later. It was a valid check and Trident continues to claim it was a bad check. I have called them several times. They want our bank account number, date of birth and the last four numbers of our social security numbers. They refuse to provide a case number/account number until they receive the personal information they requested/demands. Per the CFPB website, we are advised not provide personal information to a collection agency. I personally believe they don't have a number or a check number, if they did, they would have the check number. I have written them twice a year for the past three years with no answer. I began calling them which has been to no avail. They started hanging up on me for the past two years.

In addition, there are two other gentlemen with my name, neither are related to me. I also plan to write XXXX XXXX and the local XXXX XXXX XXXX. We would certainly appreciate your help. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX 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 crimes 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: Bank account or service

I applied for a checking account with Discover - twice now - and XXXX times the application was denied. During repeated telephone conversations Discover insists that A ) The decision to deny my application was made XXXX, not merely based on information furnished XXXX but ultimately made by Discover, B ) there is no way to manually review the application and grant an exception ... that it 's a system controlled process that is completely automated with no manual review possible and C ) It is not possible to provide a list of SPECIFIC reasons why the application was denied. I have been a Discover customer for many years now and this utter lack of concern and the pitiful customer service is very disheartening. Furthermore, on the more recent try, there is no record of a XXXX inquiry so the assertion that the decision was based on that is an outright lie.
Product: Student loan

In an attempt to be responsible for my student loan debt, I enrolled in autopay with Great Lakes. A withdrawal was attempted from my account and I was charged an NSF. I understood that it was a consequence of the failed attempt and immediately scheduled payment so that the charges would not occur again. I contacted the company and informed them that I had made payment and was concerned about being charged again. I was told that regardless I would be charged two more times as a result of the missed payment. Great Lakes took the money I gave them for the monthly payment and continuously attempted to charge my account after I told them that I only wanted to pay the month 's payment that was due. This resulted in nearly {$90.00} in NSF fees being taken from my checking account. They have been unwilling to send me anything other than copies of their terms and conditions in response to my inquiry. The terms and conditions do not mention charging after being paid the amount due. It inconvenienced me to the point that I had to use another account to pay my bills and ask my financial institution to block them so that they couldnt charge my account. I am disappointed and upset that they were assigned to me as my loan servicer with such poor and apathetic customer service. I have attempted to resolve this issue with them throuh the XXXX XXXX  XXXX, but they sent this in response to my complaint : " Thank you for following up with us on behalf of Ms. XXXX XXXX. We understand Ms. XXXX would like to be reimbursed the fees assessed by her financial institution. Please know, Great Lakes has made every reasonable effort to address Ms. XXXX request for reimbursement. Although we acknowledge she disagrees with the determination, Great Lakes position on Ms. XXXX request will remain unchanged. Ms. XXXX is responsible for the fees assessed by her financial institution in accordance with the terms and conditions of electronic payments toward her account. If Ms. XXXX has additional questions or concerns for Great Lakes, she may contact our Borrower Services Department by telephone at ( XXXX ) XXXX-XXXX ( Please note, some calls may be monitored or recorded for quality assurance purposes ), by email at XXXX, or by mail at the address below ... ''
Product: Credit reporting or other personal consumer reports

Despite several attempts, I am unable to dispute anything online. In order to dispute online, I was told I needed to pay. However, I have upgraded my plan and still nothing has happened. My identity has already been confirmed by a number of documents. I would appreciate it if you fixed this. 

I don't understand why I am being forced to pay in order to dispute something. It doesn't seem fair. I hope you are able to resolve this issue soon.