23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

US bank keeps reporting inaccurate information about an auto lease I had with them. The date of first delinquency was on XX/XX/2010 ( Please see attached old credit report showing the date of first delinquency. ) It has been exactly 7 years since the date of first late and this debt show no longer be reported. I have been submitting supporting documents showing the mistake but they keep ignoring my request to correct and now completely remove the account. US bank is doing everything and anything to delay the process and not remove this collection as they should. I have contacted US bank directly and submitted documents 4 times already and at least 6 times to XXXX. Every time it 's the same reply that the debt belongs to me and is not removed.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX 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.

THE LAW ALSO STATES : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$2900.00}
Product: Credit card

Access to prior credit card statements. Pentagon Federal Credit Union, on XXXX or XXXX, XXXX, told me verbally via their main call center that they could view, and access, a statement from XX/XX/XXXX, for a prior credit card account ending in XXXX. 

I need a statement from them dated XX/XX/XXXX. 

The phone agent I spoke with either on XXXX or XXXX told me that she was able to bring up the statement. 

The website of Pentagon Federal Credit Union shows how I should be able to click on statements for XXXX through XXXX of XXXX, for credit card account ending XXXX. 

However, today, XXXX, when I phoned to Pentagon Federal Credit Union, I was told conflicting info. First I was told there was a seven year retention for statements. However, as of today its been 6 years and 10 months since XX/XX/XXXX, less than seven years. When I told this to the phone agent, she said the retention was by the year, and not the month. Ridiculous. They told me on XXXX the XX/XX/XXXX statement was not available after all. 

If their website shows I can click on a statement, then I should be to view it & not get an error. 

XXXX, XXXX, XXXX, and XXXX of XXXX statements for credit card account ending XXXX are not viewable. 

Why was an Pentagon Federal Credit Union agent able to view the XX/XX/XXXX statement on XXXX or XXXX? Why was I told I would receive the statement within a few days? Why was I told on XXXX, conflictingly, that the XX/XX/XXXX statement was not available, and that there was a seven year retention, and yet XX/XX/XXXX is less than seven years back? 

I would like Pentagon Federal Credit Union to provide the XXXX, XXXX, XXXX, and XXXX of XXXX statements to me, for credit card account ending XXXX. Not just XXXX, I would like all these months now, since they seem to be deleting XXXX from history. 

Enclosed is a XXXX letter I both electronically uploaded to them and also mailed. They never responded to this letter also. 

Please pass along this full complaint & attachments, to Pentagon Federal Credit Union for a response.
Product: Credit reporting or other personal consumer reports

please see letter attached- I am requesting that the FTC assist in investigating this matter and help ensure that the fraudulent accounts and inquiries are removed from my credit report. I am deeply concerned about the unauthorized use of my personal information and the impact this is having on my credit .I did not authorize any of these inquiries, and I am concerned that my personal information has been compromised. I kindly request that an investigation be conducted to address these unauthorized inquiries, and I would appreciate any assistance in resolving this matter
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXX XXXXXXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXX XXXX  acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXXXXXX XXXX acct # XXXX Has violated my rights. 
15 usc 1681 section 602 A States I have a right to privacy Under 15 usc 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my permission. For as these accounts are damaging my credit worthiness
Product: Mortgage

In XX/XX/XXXX, I modified my first mortgage with B of A after they assumed my XX/XX/XXXX loan. This was a painful and lengthy process that was horrible, but I had no choice. When the 1st mortgage modification was completed, I wanted to move on to modify my 2nd mortgage. My point of contact said he would start on that, and then called me to say that my former husband including this debt in his bankruptcy filing would prevent them from trying to collect the debt, so no modification was necessary. Four years later, when the values had recovered, they filed an NOD on XX/XX/XXXX when I was already in touch with them questioning the validity of the debt ( see attached ). They finally modified the loan adding $ XXXX  to the balance, so I accepted the modification and made payment in protest. I don't feel that the lender acted in good faith and in fact ripped me off.
Product: Mortgage

my names XXXX XXXX XXXX am the daughter of XXXX XXXX and well I do n't understand much bc she dosnt understand and what lil she know she tells me and she had not been aware of the fact that this company caliber home loans is another company from wich is not the original company she has the loan with that they were infact someone ealse whos helping her pay it off she thought that the orginal comapy has sold to them she was confused until I read THESE PAPERS TO HER CORECTLY. she has fell way behind due to her getting ill and being hospitalized I wich she lost her job as well as her vehicle shes trying her best now to do payments but she is now cofused and dosnt know whats going on at all except that shes behind and their telling her pressuring her to send more douments in to them of she WILL LOSE HER HOME ... .my mother has and dose suffer from XXXX XXXX we just now maybe 4 months ago have her doing well and coping with this but thes phone call she gets and letters in the mail are slowly takeing her backwards on what weve worked hard on we need help in as to whats going on and what they can do to help us get back on proper payments bc she canot afford XXXX and up payments every2 weeks. also in another letter she recived its stating that the company put insurance on the home and that she liable to pay it and those payments are more that XXXX a month. she cant afford this at all. 

also the person who has asked for this loan is still on this yet he does n't live their or anything at all nor dose he care we would like to know if theirs a way to remove him or what we can do about that as well ... because god forbid something happens to my mother and he try 's to come in and pay the rest off and try 's to take the property what then????
Product: Payday loan, title loan, or personal loan

15 U.S. Code 1692g - Upstate Failed to Validation of debts because its fraudulent. The gave me a bogus contract and took my signature to borrow a loan from a third party called XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with giving full disclosure before doing so, 1 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

They failed to give me full disclosure in the contract which makes it Fradulent. 

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.

XXXX  Account 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 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. 

These are my variolations and this has caused me and my family serious damages as i lost my appartment, job and i couldnt get anything on credit with any creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried numerous times to dispute information on my Chexsystem that isn't mine and keep being told its verified, no response at all or told I can contact the banks to fix. I've requested their method of verification numerous times with no response. These are clear FCRA violations. I've given Chexsystem many opportunities to correct the inaccurate information and clearly I'm ignored.
Product: Mortgage

Hi, I was on a forbearance plan for 18 months period during Covid-19 with Mr. Cooper XXXX XXXX XXXX At the end of the plan, they scheduled me a trial payment which was due before XX/XX/XXXX. I made a payment of XXXX on XX/XX/XXXX. The solution that they offered was to move 18 payments to the end of my loan and pay escrow and taxes for unpaid months as separate installments for 12-24 months. For some unknown to me reason, this solution ( accepted by me ) got rejected by Mr. Cooper. I called them multiple times saying that I am ready to resume payments, but my account is not eligible to make payments. I received text messages, emails, and mails that my payments are overdue and I need to contact Mr. Cooper immediately. They keep apologizing, saying that I need to wait until the system finishes processing the request, but nothing is happening for a month. My online account displays the amount I have to pay for all 18 months of forbearance. It looks like I got caught in a mousetrap by this company. They advertised false programs to help families during Covid 19. I can not pay for 18 months of the mortgage at once. Today someone knocked on my door and handed me a mail, saying that I need to call my mortgage company as soon as I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to obtain my free annual credit report from Experian.com, yet every time I did this an error was reported. XXXX also reported an error. 

On Wednesday, XXXX XXXX I was able to get through to customer service and speak with a human. I was told my account was locked and I needed to call back in 48 hours and speak with a specialist directly as I was unable to guess the 4 digit pin on my account. I would not be able to use the website or automated system until this issue was resolved. 

On XXXX XXXX, after waiting 48 hours, I called Experian 5 times. Each time a person answered to ask how to direct my call. I explained the problem and begged to talk to a person. Each time I was transferred to an automated system that could not help me and eventually the system disconnected the call. 

I also reached out to Experian on XXXX DMs. I was told to use XXXX. Obviously I had already tried this and it did not work. 

Experian is keeping me free credit report from me due to their incompetence.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response. 

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. 

XXXX XXXX XXXX Account Number : XXXX - has violated my rights. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Failed to investigate and respond within 30 days
Product: Checking or savings account

On XX/XX/XXXX I sent a partial bill pay to XXXX XXXX XXXX for the balance that was in my account at that time ( {$20.00} ). That night PNC drafted that money THEN charged me a monthly service fee for having a FREE CHECKING ACCOUNT of ( {$7.00} ) THEN overdrafted my account assessing both a {$36.00} overdraft charge and THEN a {$21.00} overdraft fee and now they are charging me a {$7.00} per day fee to which I have been told will continue causing overdraft fees and charges for the next fourteen days until the billing cycle closes which is a random date picked by PNC of somewhere between the XXXX and then end of the month at which point I will be assessed another round of the SAME FEES FOR FOURTEEN MORE DAYS. 

Endless fees. In my state yo can not open a new bank account or close an old one without paying the reported negative balance off which means I will never be able to banking services again since the fees will never stop and PNC refuses to close the account. I can not believe that this is allowed to happen since it is an intentional victimizing of people for being poor. I could get better financial help from organized crime.
Product: Credit reporting or other personal consumer reports

Im issuing a Notice of Impending Litigation. Ill attach the official document to the attachments along with supporting documentation. Ill also be sending the Notice of Impending Litigation to the registered agent listed for Equifax through the Secretary of State and a copy to the Federal Trade Commission as a formal complaint thatll be used as evidence pending litigation if this agency fails to comply with this offer of settlement.
Product: Credit reporting or other personal consumer reports

Accounts that are in good standing reporting as late Hard inquiries on my account that I did not authorize Account reappearing on my credit report after deletion Accounts showing good standing with other bureaus but late with this XXXX Closed accounts showing balances
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX
Product: Debt collection

on XXXX/XXXX/XXXX XXXX XXXX XXXX collection agency put a collection on 3 of my credit bureaus and i have contact them and told them that account does n't belong to me that i never been there but i ca n't proof them that its not my account, because of that my credit is ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting that I filed a bankruptcy on XX/XX/XXXX for {$0.00}. I sent a dispute letter directly to Experian that I had not filed a bankruptcy for {$0.00} and the information they are reporting is wrong. I also sent a letter directly to the bankruptcy clerk to ask if they verify any information with the credit bureaus. The bankruptcy clerk stated they do not verify any information with credit bureaus. After Experian investigated, they stated the information was reporting correctly and would remain on my credit report until XX/XX/XXXX. I would have no need to file a bankruptcy for {$0.00} that makes absolutely no sense. Experian also would not provide the name of the company that they verified my bankruptcy with so I have the opportunity to dispute directly with that company. This is a direct violation of the FCRA and these credit bureaus are allowed to continue these illegal practices and tactics.
Product: Mortgage

I have been working with my mortgage company to keep my house. And I was just informed that my house is suppose to go up for auction in aug..no one has told me anything..it is court documents I have never been served..never appeared in court..nothing..Midland mortgage is doing some underhand things. I need answers if my house is in foreclosure why do I not know about it. Why am I going thru all of these hoops for Midland mortgage. I am so upset. Someone needs to contact me asap..
Product: Student loan

I have a loan with FEDLOAN. The current status should not be showing late because I think I paid on time. This just proves that XXXX  Credit Bureau lacks proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
FEDLOAN-XXXX-Balance $ XXXX-Date Opened : XXXX-High Credit : {$3000.00} FEDLOAN-XXXX-Balance $ XXXX-Date Opened : XXXX-High Credit : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is only reporting when I spend the balance on the card and not when I pay off the balance. I paid off the balance 2 times and it never went on my report instead they just kept over reporting that I was spending close to the limit of the card repeatedly in the XXXX of XXXX. As a result they removed XXXX points off of my good credit score. Just by rereporting what they already reported in the course of 1 month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2019, I received notification from XXXX  XXXX that I had acquired a late remark on my credit report from XXXX XXXX. Upon making contact with XXXX XXXX I was told this would not be removed because I did not have the funds in my account. I was then told I would receive paperwork in the mail to correct this issue or I could send in the documentation. I sent a letter in which they responded the reporting is accurate and would not be corrected this letter was received in late XX/XX/2019. Since receiving that letter I have received two letters from my bank stating the funds where in my account and it was a mistake on their end due to the first 3 prefixes of my account being incorrect. The first letter was sent to XXXX XXXX which they still have not corrected. I am in the process of purchasing a home and I have worked very hard to maintain a good credit report. Attached you will see the letter from my banking institution and phone number to contact them should you have additional questions.
Product: Debt collection

Sale date of home scheduled for XX/XX/2023. 
Home went into contract to purchaser on XX/XX/2023 Title company contacted lawyers office handling foreclosure who added " fee '' in excess of over {$60000.00} for " interest '' of various amounts for 5 years. 

Debt collection payoff document does not include principal balance, mortgage rate, daily interest, etc. 

Mortgage servicer, Selene Finance, never responded to request for payoff letter. 
Selene Finance is in multiple lawsuits currently with hundreds of people across the country for shady, misleading business practices; lost class action lawsuit several years ago for same reason. 

Debt collection 'lawyers ' office is being not only unethical but over charging fees in excess of what was submitted on foreclosure paperwork to the courts. 

I have never signed anything with Selene Finance, my mortgage was sold to them while under bankruptcy with terms ever sent to me. No communication for resolution of debt, advised unable to move with loss mitigation due to sale date pending.