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

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to companies about hard inquiries on my credit report. These companies have no information for me on file. I do not know why this is on my credit report but these inquiries should be deleted immediately from all major beaurus. The inquiries were made on XX/XX/XXXX. Three inquiries from XXXX XXXX and 1 inquire from XXXX XXXX XXXX
Product: Checking or savings account

I have tried to open an account with PNC and keep getting turned down when I meet all qualifications I can make more than {$2000.00} in direct deposits I have not been able to get a straight answer on why I keep getting turned down
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX AND XXXX have unverifiable accounts, inquiries and addresses on my credit profile I disputed all items for the last 4 months. In I have not received any results. XXXXXXXX XXXX report a car loan as late for the last 40 months. I have disputed this account several times as fraudulent and I have not received and dispute result yet.XXXX XXXX XXXX refuses to respond to a fraudulent account dispute. XXXX XXXX  XXXX is reporting a account as late and it was never late. I want all items deleted
Product: Mortgage

When covid started back in 2020. My husband and I struggled to get back on our feet after my husband got laid off for almost a whole year. I XXXX XXXX XXXX  also lost a lot of income because families weren't working, and they were keeping their children home and having to be closed a lot of the time due to covid symptoms and having covid in daycare. We tried to work with our mortgage company, and they denied us with help with getting our mortgage up to date. We started getting back to more normal and my husband had to find a new job due to being laid off for so long. We are finally back on our feet but are late on our mortgage payments. We have asked the mortgage company if I could pay $ XXXX {$10000.00} and they told me I couldn't it had to be the full amount what's due. Through this whole time, they wouldn't let me pay anything unless it was the full amount. Which I think isn't right and was told that's illegal from my counselor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Equifax in XX/XX/XXXX indicating that there was an entry I noticed on my credit report that I needed to dispute. I told them that I attempted to do this using the company 's address listed in their credit report but that the letter came back undeliverable. I told them that in light of this erroneous information to please delete this entry from my report. My Equifax credit report dated XX/XX/XXXX shows the entry was deleted based on my letter. On XX/XX/XXXX I wrote Equifax again stating that I noticed the entry for  Portfolio Recovery was re-inserted onto my credit report but that I had not received written notification as per FCRA 611 that this information was going back onto my report. I received a response from Equifax ( case XXXX ) that they verified that the item in question belongs to me. My dispute that they should have addressed sent on XX/XX/XXXX was that Equifax re-inserted the XXXX XXXX account WITHOUT NOTIFYING ME and as a result they are required to delete the entryas they violated FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ].
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Product: Checking or savings account

We have this account for our our company for many years All of Sudden They put a block with out Reason or Notifying Us Causing a lot of damage And losses For our company like bouncing over XXXX checks when the money was in our account to pay the Checks And they just give us a run around We would like to request your help With this THANKS
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a cosigner on this loan only ... since it was repoed it shows on my report as if it was my loan.. I also disputed this account recently and now it is showing an opening date in 2017 when all actuality this account was opened years ago and has been charged off. This is causing my credit score to be lowered because it looks like a recent collection on an account that I just opened
Product: Mortgage

OnXX/XX/XXXX I was told that to obtain a 2nd mortgage on my home I needed a letter of retirement for the title of our double wide mobile home. I called Huntington Bank that was listed on our mortgage and was told they didnt have access to mortgage paperwork. I was given Huntington Customer service number XXXX  to request the letter and was told that he would submit my request and we would receive it in the mail. I waited a week and called again to see if they had located the letter and was told that it is still being processed. While waiting I ask a friend who is an attorney to see if he knew how to obtain the letter of retirerment and he requested it through the state of representatives office. My attorney said that the title was never retired. I was advised to contact Huntington Bank again because they had done a refinance for us in XX/XX/XXXX so they should have the title and they could retire it and get us the letter. I have been going back and forth with Huntington and they say they dont require this letter when they do a mobile home loan, they tell us they dont have the titles and that it is our responsibility to get them. Because of Huntington Bank refusing to help us or listen to us we can not get a 2nd mortgage, we can not sell our house or even make arrangements to go into a nursing home because all the Banks and Credit Unions we have spoken to explain to us that without this Letter of Retirement they can not give us a loan. Please help us, my husband is XXXX and I am XXXX and not in good health. This stress is hard on us. I spoke to XXXX XXXX and they verified the titles were never retirered and that they are in the name of XXXX XXXX that is now Huntington Bank. I was given the form ( MV38L ) needed to get duplicate titles so I can have them retired but XXXX XXXX will not issue them to me because we have a lien on it through Huntington Bank. I spoke to XXXX XXXX in the Executive office who said they do not need the titles so it is up to me to get them. Huntington Bank also put Riders on our mortgage that do not in any way pertain to our property. They added a PUD rider and a Condo rider. I asked about that and they said they would see about taking them off because that would just cause questions if we are ever able to sell our home. I was told I would of paid for those but I am unskilled at finding that out. My last conversation with XXXX  was today and she told me that I had to contact XXXX XXXX at XXXX XXXX XXXX  ( XXXX to see if they can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been waiting more then 30 days to hear back from equifax and also XXXX  and this problem report neither party has given me a reply mail or response images and dates are attached with complain number must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesn't happen, the bureau is then in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

After going over my monthly credit report analysis and maintenance I noticed a account had been opened under my name without my knowledge or consent which may have been a result of an information data breach, I have tried solving this issue with XXXX but the online dispute center did not have the proper options to help me properly. The Account is a " Possible Finance '' Account # XXXX is the amount of {$600.00}.
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.

I told Experian, XXXX XXXX XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Account # XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had XXXX point in XXXX. 
Yesterday my point disappeared into theXX/XX/XXXXI have no car I make all payments there is no reason that XXXX points can magically disappear. 
Im moving into an apartment I save up points for. Now Im learning that my points are missing and not XXXX point or XXXX but XXXX points in a month are gone. 
What happened? 

I have been calling to fix this TransUnion sees also that this raised a red flag because its impossible that I have no score when I have a score so I need to do all I can to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

As stated in my previous Complaint against TransUnion. See Below ; Transunion is Seriously dismissive when you talk to them on the phone. Obviously, they do not teach Customer Service Skills. My credit score was recently bumped up to over 700 for the first time in my life and after working on my credit for the past 5 years. I was awarded a {$5000.00} credit limit with a retailer in order to obtain a gift for my wife. I used {$660.00} of that credit which works out to just over 10 %. Although my credit report shows I have 100 % payment record and only 14 % of my entire credit limit ( I have 4 credit cards ) none of which are delinquent. TransUnion DROPPED my score by 136 points in a 24 hour period. Nothing had changed on my report except the retailer had reported my {$5000.00} limit. TransUnion had been the only credit agency that allowed this to happen. It had no effect on my score with any other agency. I called them ( Transunion ) several times with no result and a very dismissive attitude in which they offered no guidance, no offer to assist in anyway. No explanation as to way this happened, no offer to investigate, ZERO assistance. I am now taking Legal steps against TransUnion and reporting them to every Federal Agency concerned with consumer credit. 

This has not been resolved to my liking. This is a pathetic response and my credit score only gained 100 or 136 points originally taken from me. 

While XXXX ( who is an abomination in itself ) lowed my score by only 4 points after opening this {$5000.00} account, TransUnion somehow believes I should be okay with a 36 point decrease in my credit score. I'm 1000 % sure they have NO GROUNDS to stand on when making that decision and down-grading my score to what ANYONE would believe is an exorbitant number of points. 

I want this repaired and I want a REAL explanation as to why this happened. I will continue to file complaints over and over and over ... ...
Product: Credit reporting or other personal consumer reports

I am unaware of inquiries showing on my credit report and collections I have asked to show proof such as signature, social, Id I am unaware of XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> also collection from XXXX XXXX XXXX I have called them directly and no results I feel like I am being unheard and very annoyed that I have to go extra mile for something on my profile that I did not authorize I have asked credit bureaus and creditors to obtain proof of my identity with these accounts and they have did nothing but denied me of my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score decreased XXXX points over a 4 day period. I do not have any new credit, I have nothing that negatively affected my score and furthermore my balanced decreased. 
I can not get in touch with Experian. 
This is unacceptable. I have been trying for years to restore my credit.
Product: Credit card

I am writing to express my deep frustration and dissatisfaction regarding the ongoing issue I have been experiencing with my Citibank card. It has become exceedingly problematic as my card is repeatedly blocked after every single purchase, necessitating frequent and inconvenient contact with their fraud department to rectify the situation. 

This recurring problem is not only inconvenient but also highly disruptive to my daily activities. Each time my card is blocked, I am forced to halt whatever I am doing to contact the fraud department, verify my identity, and wait for the block to be lifted. This has happened repeatedly, immediately following each purchase I attempt to make, rendering my card virtually unusable. 

I have already contacted their fraud department numerous times to address this matter, but unfortunately, the issue persists without resolution. It is incredibly frustrating to be subjected to such disruptions, especially when I rely on my Citibank card for essential transactions. 

I urge CFBP and Citibank to investigate this matter urgently and provide a permanent solution. I request a thorough review of the security protocols associated with my account and ensure that my card is not flagged unnecessarily after legitimate transactions. This persistent problem is not only inconveniencing me but also undermining my confidence in Citibanks ability to provide reliable banking services. 

I would appreciate the prompt attention to this matter and a swift resolution to prevent further disruptions to my banking experience. Please contact me at your earliest convenience to discuss how we can rectify this situation and restore the functionality of my Citibank card.
Product: Credit card or prepaid card

I mailed two disputes to bank of the west. Im not satisfied with the purchases on my credit card except {$100.00} to XXXX and {$10.00} to XXXX XXXX. They ignored my letter and wont investigate. I didnt make purchases except those two. I thought my husband did because he made me give him a card but i dont know for sure because bank of the west wont give me the credit card slips or videos of when it was used. I want it investigated. They ignored my letter and are still trying to collect. Im supposed to send the letter within 60 days of when i get a statement but i was promised a statement a week ago by the manager of the local branch and im still waiting. I dont have an itemized list of purchases.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is illegally opening and closing an auto and reporting inaccurate information to the credit bureau. I've file several complaints regarding the improper use of my credit report and also a violation of the law. 

On XX/XX/XXXX, I pulled my credit report to see that XXXX XXXX is still violating my consumer rights by reporting inaccurate information regarding litigation of an auto loan that was open in XXXX of XXXX ( Account Number : XXXX ), XXXX XXXX is illegally opening and closing the auto loan and reporting false information to XXXX, Equifax, and XXXX for a charge off account. Santander consumer is reporting a balance of XXXX and a higher balance of XXXX, XXXX, the last activity on the report is also inaccurate along with the payment history. XXXX XXXX is continuing their deceptive and predatory lending practices even after being fined. 

XXXX XXXX is believed to be in violation of the following : inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent failed to promptly update and correct information furnished to CRAs that Respondent determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts in violation of 623 ( a ) ( 5 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 5 ) ; and ( 4 ) Respondent failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Order ).
Product: Credit reporting or other personal consumer reports

On XX/XX/year> it was reported on my credit report by XXXX XXXX XXXX XXXX that I owe XXXX. I would like for XXXXXXXX XXXX XXXX to delete this off my credit because they have no permissible purpose under the 15 U.S.C code 1681b
Product: Debt collection

I recently read a copy of my credit report and saw this company has put a bill in my name out to collection which has subsequently reported to XXXX. I have contacted Nationwide to investigate their claim and have written to them requesting they remove this unfounded charge and correct my credit report. To date, they have refused. I request your assistance. 

Undisputed facts : Auto Policy # XXXX issued to me on XX/XX/XXXX with a 183-day term ( XX/XX/XXXX XX/XX/XXXX ) for a total premium of {$980.00}. Initial premium paid by me on policy : {$240.00}, listed on policy summary page as 25 % of total premium. Policy lapsed, put out of force on XX/XX/XXXX by Nationwide. 

Note : Policy term was scheduled for 183 days ; coverage provided was for 46 days ( 25.14 % ). Premium paid was 25.00 %. 

Undisputed facts ( cont ) : Auto Policy # XXXX was put back into force on XX/XX/XXXX ( out of force for 11 days ) with an adjusted term ( XX/XX/XXXX XX/XX/XXXX ) of 184 days. This time paid initial premium of {$260.00}, higher than before, but presumably to incur some small cost for reinstating the policy. As policy number remained the same as the original contract, it stood to reason the policy terms remained the same. Policy lapsed, put out of force on XX/XX/XXXX by Nationwide. 

Note : Policy term was scheduled for 184 days ; coverage provided was for 44 days ( 23.91 % ). 

Summary : Auto Policy coverage terms scheduled for 367/2 = 183.5 days ; total coverage received was 90 days ( 46 + 44 ). Total premiums paid was {$500.00} ( 51.3 % of Policy # XXXXs Total Premium ). Total coverage provided was ( 49.05 % ). 

At Issue : Nationwide/XXXX  XXXX is claiming I owe them an additional {$100.00}. What for? Is this penalty for not keeping the policy? Did they change the terms of the policy ( because it was out of force for 11 days! )?  If the latter, they did so without my consent. ( After I disputed this charge they sent me premium notices from XX/XX/XXXX -- policy already out of force -- showing a different premium schedule. They can not cahnge the premium schedule after the policy is approved and put in force. 

Much like term life insurance, charges are not payable for periods of non-coverage. As explained above, I paid for what was provided to me by Nationwide, and a bit extra. 
I understand by twice lapsing my policy I was not a great customer for Nationwide, but this does not give them the right to arbitrarily apply charges, or change premiums due, past the policy effective date. I can assure you I approved no such thing. 

Please get them to straighten this out.
Product: Debt collection

I never received as the summon declares the demand made for payment XXXX days prior to this summon. This is not the truth. I do n't know who XXXX never heard of them. I had an auto account with Santander Consumer USA. They claim I owe XXXX. I do n't owe this, amount this is not accurate. They are sending me to court and never contacted me before this time. Santander sold them this account. I do n't want to communicate with XXXX or their representation lawyers either. I want Santander to communicate with me about any debts that they feel I owe them. I sent a letter to XXXX and their lawyers to validate this debt they claim I owe. I do n't owe them anything. I never signed a contract with XXXX or their lawyers.