23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been working with my mortgage company for years pursuing a hardship modification. I originally had a foreclosure sale date for XXXX XXXX, 2015, however PNC Mortgage Co. filed a motion to cancel and reschedule this date since my financial situation changed and I was put into the modification review process. After the process, I was denied a modification, however there was input PNC used to determine my qualifications, that I strongly disagreed with. On XX/XX/2015 I had a conversation with the rep PNC chose to represent their company as my " point of contact '' and I explained that I was in dispute of a couple of values PNC was using to determine my eligibility and I could provide the evidence. I was told by the PNC representative that she would send me out a new application since I was challenging their input, plus I had an increase in income which would effect me positively in the evaluation. During this conversation I was also told that the foreclosure sale date had now been reset for XXXX XXXX. 
My complaint is that not only was the application never sent out denying me the opportunity to a fair evaluation, but according to my conversation with the bank last night, I did not qualify for recourse at that time since the bank had to have 38 days to review any new application ( i.e. the time from the rescheduling of the sale date, XXXX/XXXX/15 and the time of the actual sale date, XXXX/XXXX/15, which is 27 days, far short of the 38 days they require ). 
This is egregious to deny me a fair & accurate modification review and then to sell my home from under me, while using a highly inflated Fair Market Value which I am challenging and have the proof to back up my claim. 
When I kept going to my mail box everyday looking for my new application, to no avail, I even took it upon myself to use the forms from my previous application, updated them and included my dispute along with my evidence, and faxed a complete package to PNC which has been entered into their system. Thus PNC has my application, proof, and documentation, but they refuse to postpone the foreclosure sale which is in 5 days. I am only asking PNC to give me a fair and accurate evaluation and if they continue to refuse, I will go on a thorough and continuous campaign to expose their unfairness
Product: Credit reporting or other personal consumer reports

Dear Equifax I am filing this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that you block fraudulent information appearing on my consumer credit report within 4 business days of receiving this letter. The inaccurate and false information on my report consists of the following fraudulent accounts and inquiries that were not opened, made, or initiated by me : Fraudulent Accounts : XXXX XXXX XXXX : An auto loan account opened in 2021 under account number ( private ). 

Department of Education/XXXX : A student loan account opened in 2021. 

Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I have attached a list of these fraudulent hard inquiries, as well as a copy of my consumer FICO credit report maintained by your agency, which highlights the fraudulent accounts and inquiries. These unauthorized accounts and inquiries have negatively impacted my credit and are the result of identity theft and fraud. 

Additionally, I have attached a copy of my FTC Identity Theft Criminal Complaint, case number ( XXXX ), as supporting documentation. 

Please process this request promptly and block all fraudulent accounts and inquiries listed above from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan extension requested from ten year term -- -- to more additional years on time payments-NOT AN OPTION! INSTRUCTIONS- The company made it an application loan modification ... XX/XX/XXXX- Sent many faxes with delays-185 pages-SHOWING ASSETS AT XXXX CASH and two homes no consumer debt late payments -or concerns- Many delays- Called with Delay rejected underlined items vs. circled line items then went to bank circled items and rejected cause header information was not on the page only showed the account number which matched the prior submission. Required me to send three times delaying pkg from XX/XX/XXXX to XX/XX/XXXXn still 60 days from payment being late- These policies delayed kit from going to loan underwriting for 5 months. 150 days! Told thirty-days evaluation was required -- - XX/XX/XXXX They needed more time no commitment to when my decision would be made. XX/XX/XXXX They requested XXXX payment and two more trial payments of XXXX without any commitment I submitted this early-There is no reasonable explanation for late payments. " Loan was current and paid XX/XX/XXXX bill payment from XXXX XXXX but was rejected for interest only -- and returned not the full balloon payment -- for 121st payment. On XX/XX/XXXX Received loan modification for nine years only payment XXXX was XXXX prior- XXXX first mortgage exists with escrow account total is not viable. So no workable deal was made being disabled -- -a 20- year product would be viable -standard in loan industry today they made it nine. Want to refinance to reasonable payment-now lenders will not- Can not secure a loan with late notes on mortgage -- - forced to five percent interest and payment is not AFFORDABLEn with nine years as term for interest and balance after XXXX reductions in the process. Most probably I will be forced to sell my home. This is not fair or reasonable -policies favored investors and have not been true and forthright-correction needed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX SSN : XXXX Dear Sir/Madam, I am submitting this complaint to formally request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that both TransUnion and XXXX credit reporting agencies block the fraudulent information on my consumer credit report resulting from identity theft and fraud. This information must be blocked within four business days of receiving this complaint. 

The fraudulent accounts in question include : XXXX. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. 
XXXX. A collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, under account number XXXX. 

Due to the negligence of the entities responsible for protecting my personal information, my financial integrity has been compromised, restricting my access to better financial opportunities. This situation has severely affected my mental health and placed a significant strain on my family life. 

I have attached a list of the fraudulent accounts related to this, along with a copy of my FICO credit report showing the fraudulent items. I do not recognize these accounts or collections, as they were not opened or authorized by me. All the accounts and collections mentioned are the direct result of identity theft and fraud. 

Additionally, I have attached a copy of the FTC Identity Theft police report to further substantiate my claim. 

Please block this inaccurate and fraudulent information from my credit report at your earliest convenience to prevent further harm to my financial standing. 

Thank you for your immediate attention to this matter. 

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

Hello : I attempted to sign up with my PHI on Experian XXXX. I was alerted that I already had an account. 

When I attempted to log in using my over decade long email address and most commonly used passwords, I couldn't get in. So I requested a new password though the forgot password link. I received a message my password reset request was going to an email address I'd never used before. 

I've reached out to experian and received the full email address XXXX from the representative. The representative informed me that the account was just opened on XX/XX/XXXX and not been accessed until I attempted as mentioned above. 

The experian XXXX rep XXXX informed me that he updated my email address so I can log in with my real email address. 

However, after disconnecting the email address is still set to XXXX. 

This email rang familiar because we were looking for a new place back in XXXX of this year, 2022 ; We ran into a scammer who was using the same email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX ) XXXX XXXX Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. XXXX XXXX XXXX - ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX - XXXX reporting XXXX information Listed on my report- please remove, not associated with any current account. Mortgage XXXXnquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. XXXX XXXX XXXX- - ( XXXX ) XX/XX/XXXX, XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days please remove inquiry. XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXXXXXX No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - XXXX XXXX XXXX  No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX- XXXX XXXX - XXXX reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX -- - ( XXXX ) XXXX XXXX, XXXX, Certified credit Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX, XXXX, Equifax Mortgage - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. XXXX XXXX -- - ( XXXX ) XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX, XXXX, Certified credit Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days please remove inquiry. MORTGAGE XXXX -- - Thank you
Product: Credit card or prepaid card

Our company signed up for a Citibank backed Home Depot Revolving Credit Card, and the card was provided to us to use.  We have discovered that Citibank is charging roughly a 10% minimum payment every month.   Most credit cards only charge 1-3% minimum payment due.   There was no disclosure of this minimum payment rate during the application process, there was no disclosure of this minimum payment rate in the mail once the card was activated.  The web site on both Citibank and Home Depot have NO DISCLOSURE of the minimum payment requirement due anywhere, not even in the credit card disclosure statement , or the current application process.   Now we are forced to pay a minimum payment which is very high and not provided prior to using and accepting the card.   Furthermore the actual credit card bill statement every month fails to adhere to the CARD ACT and does not list the account balance along with the way the minimum payment is calculated and does not include the amount of time it would take for the balance to be paid off as required by the CARD ACT 2009. Each credit card company has its own minimum payment policy however it must be disclosed.  The minimum-payment policies for Citibank for this card is simply not.  Upon contacting the bank they refuse to adjust the minimum payment rate to the industry standard and have threaten to make report any late payments to the credit agencies if these very high minimum payments which were never disclosed, are not paid.  This is fraud and I believe illegal practice.
Product: Debt collection

I have repeatedly asked them to stop calling. They call upwards of 3-5 times a day. I have blocked over 50 different numbers. PORTFOLIO RECOVERY
Product: Credit reporting, credit repair services, 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. 

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}, 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 1681x. ( 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: Debt collection

A caller contacted me to collect a false debt on a nonexistent account totalling {$2400.00} while impersonating a representative of PayPal. The caller requested immediate payment of a minimum amount of a couple hundred dollars to avoid more late penalties added. I said I would call back and then called the real PayPal who verified no account existed under my name holding any debt. 

The number the call originated from is XXXX. They are scammers, but brazen enough to have a website called " PayPal Credit '', based in XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX  XXXX BALANCE {$8600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a request for a dispute with Experian on XX/XX/2019 for the account XXXX XXXX XXXX # XXXX {$540.00} ( CFPB Complaint # XXXX ). This account is not valid and should be deleted and removed. Experian acknowledged the disputed on XX/XX/2019 and rendered the account verified and accurate on XX/XX/2019. I can not understand how this was investigated in 7 days. I would like a method of verification accordance to FCPA 611 ( 7 ) and I would like it within the 15 days of receiving this notice. This account is not valid or accurate and should be removed or deleted immediately
Product: Debt collection

XXXX/LoanCare sent a mortgage statement including an unpaid fee of {$XXXX}. I contacted them and talked to XXXX ( XXXX ), who clarified that the unpaid fee is related to a property inspection performed by the former loan servicing company XXXX. 

They said that the inspection was executed to know if anyone lives in my property, which I think is an absurd excuse since I have been paying my mortgage every month since XX/XX/2007. In more than 30 years I had dozen of mortgages and I have never been contacted to perform such inspection by any financial institutions or loan servicing companies. 

I live in a Condo unit and no one can access or visit my apartment unless Im there and authorized it. I never received such a request. If there is a fake inspection report, I would like to view it to find out how they got in without my authorization.
Product: Credit reporting or other personal consumer reports

I am putting XXXX, XXXX, transunion On second notice For the report of Fraudulent non public information on my report like transaction history and experiences which is excluded from Report via 15 us code 1681a ( i ) These accounts : XXXX XXXX  Account number XXXX XXXX  XXXX  XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX Needs to be deleted from my report immediately I have opted out of all CRAs selling and sharing my non public information like these accounts above If accounts are not deleted swiftly then I will have no choice but to escalate this case to a default judgement
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC1681 Section 602, states that I have a right to privacy. 15 USC1681 Section 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Product: Credit card

I applied for American Express Platinum credit card on XXXX XXXX, 2016 with an offer to get XXXX Membership reward points after spending {$3000.00} in first 3 months. As of XXXX XXXX, 2016 ( when 3 month period ended ) i spent {$4300.00} on the card. Subtracting credits of {$450.00} my effective spend comes to {$3900.00}. All of my spending are legitimate every day spending. My XXXX points was awarded on XXXX/XXXX/2016 and they were taken back on XXXX/XXXX/2016. I still use the card for everyday spending as of today. i request to issue my points back. Its very very disappointing that they did this being an customer for more than 8 years.
Product: Checking or savings account

I received a pending transaction notice to my checking account on XX/XX/2020 at XXXX XXXX  from a company listed as TU *TRANSUNION . The phone number listed was XXXX. XXXX the number took me to some sort of credit site. Im XXXX. I dont have credit yet. This is an unauthorized pending xharge.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Negative Item on Credit Report SYNCB/PPC Account Charge-Off and Unauthorized Debt Collection Dear CFPB, I am writing to dispute a negative item on my credit report related to my account with SYNCB/PPC. I have faced significant issues with this account, including an unjustified charge-off, improper reporting, and harassment from a debt collector with whom I have no business agreement. Additionally, I want to emphasize that I am a victim of multiple data breaches over the past years, which has contributed to inaccuracies in my credit report and adversely affected my credit standing. 

Below are the details of the disputed account : Creditor Name : SYNCB/PPC Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off ; {$660.00} written off as of XX/XX/XXXX. 
Balance : {$660.00} Credit Limit : {$1000.00} Highest Balance : {$1900.00} Account Status : Closed by creditor, with a charge-off. 
Issues : Charge-Off Without Proper Notification : My account was charged off, yet I did not receive a 1099-C form or any official communication from SYNCB/PPC regarding the charge-off . This action has negatively impacted my credit score and financial stability.

Unauthorized Debt Collection and Harassment : I have received numerous harassing phone calls from a debt collector regarding this account. I have no business relationship with this debt collector, nor have I entered into any agreement with them. Despite this, they have been provided with my personal information by SYNCB/PPC without my permission or authorization, which I believe is a violation of my rights under consumer protection laws.

Data Breach Impact : As a victim of a series of data breaches, I have faced ongoing challenges in maintaining the accuracy and integrity of my credit report. The mishandling of my information by SYNCB/PPC and the unauthorized sharing with third parties further compounds this issue.

Resolution Requested : I respectfully request the following : A thorough investigation into the actions of SYNCB/PPC and their handling of my account, including the charge-off and the failure to issue a 1099-C form. 
Immediate removal of the negative charge-off entry from my credit report, as this information is inaccurate and unfairly impacts my credit score. 
An explanation from SYNCB/PPC regarding their unauthorized sharing of my personal information with the debt collector. 
A review of how my personal information has been handled, given my status as a victim of data breaches, to ensure my rights under consumer law have not been violated. 
Supporting Documents : I have attached the following documents to support my dispute : A copy of my credit report showing the disputed SYNCB/PPC entry XXXX 
Any relevant documentation related to the data breaches that have affected my credit and personal information. 
I trust that the CFPB will help address these concerns in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Credit Report Data Breach Documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from Discover Financial SVCS LLC that I believe is not being reported correctly on my credit report. On XX/XX/2020, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, again requesting that they provide me with the information they were using to prove the accuracy of my account. As of today, they are still reporting negatively on my report. I also sent certified letters to the three credit bureaus, along with my incident report, asking them to verify or remove the negative report on my credit report that Discover Financial SVCS LLC is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Debt collection

FBCS XXXX XXXX XXXX XXXX XXXX PA is saying that I owe XXXX I do not recognize the amount of the debt and asked for proof of the debt in writing. I to date have not received the proof. They are also calling my cell phone using a autodialer. I have asked them to stop and they will not. I did not give this phone number to the people i incurred the debt with. This is a violation of the TCPA which says Most recently, in 2012, the FCC revised its TCPA rules to require telemarketers ( 1 ) to obtain prior express written consent from consumers before robocalling them, ( 2 ) to no longer allow telemarketers to use an " established business relationship '' to avoid getting consent from consumers when their home phones, and ( 3 ) to require telemarketers to provide an automated, interactive " opt-out '' mechanism during each robocall so consumers can immediately tell the telemarketer to stop calling.