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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX. XXXX XXXX account ending in XXXX, which was charged off. 
XXXX. XXXX XXXX account ending in XXXX, which was also charged off. 
XXXX. Collection account from XXXX XXXX XXXX ending in XXXX. 
XXXX. Collection account from XXXXXXXX XXXX XXXX  XXXX XXXX XXXX  ending in XXXX. 
XXXX. Collection account from XXXX XXXX  ending in XXXX. 
XXXX. Charge off account from XXXX XXXX XXXX XXXX. 
XXXX. Charge off account from XXXX ending in XXXX. 
XXXX. Inquiries from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. 
I believe these items are inaccurate and not reported in compliance with the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit reporting agencies are required to report accurate information and conduct reasonable investigations into any disputed items. 

I am disputing the accuracy of the aforementioned accounts as I have reason to believe that the accounts were not reported accurately. I have never held accounts with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Furthermore, I did not authorize XXXX XXXX to conduct an inquiry into my credit report on the dates mentioned. 

I request that you conduct a thorough investigation of these accounts and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a free copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. 

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

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against Equifax regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Account Number : XXXX Date of Last Activity : Equifax lists XX/XX/year>, which differs from the dates reported by XXXX XXXX XX/XX/year> ) and XXXX ( XX/XX/year> ). These discrepancies could indicate a lack of synchronization in the data among the agencies. 
Last Payment Date : Equifax reports XX/XX/year> as the last payment date, while the other agencies mention XX/XX/year>. If all payments were made at the same time, this difference might be inaccurate. 
Creditor Type : Equifax categorizes the account as " Auto Financing '', while XXXX uses " Savings and Loan Companies '' and XXXX lists " Personal Loan Companies ''. This could be an error if the account type is the same across all agencies. 
Payment Frequency : Equifax does not include information about payment frequency, unlike XXXX, which mentions monthly payments. This could be considered incomplete information. 
Closed Date : Equifax does not report a closed date, unlike XXXX ( XX/XX/year> ). This omission might create confusion about the account 's status.

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

I ORDERED THIS REPORT BECAUSE I WAS DENIED CREDIT ON THE BASIS OF WRONG INFORMATION THAT EXPERIAN REPORTED TO A CREDITOR. UNFORTUNATELY, I DO NOT REMEMBER THE EXACT DATE THAT I ORDERED THE REPORT BUT I DO KNOW THAT I WAS UNDER THE IMPRESSION IT WOULD BE SECURELY DELIVERED!!!! 

IT WAS NOT!!!!! ALL XXXX PAGES WERE EXPOSED AND GONE THRU.!!!!!! 

WHEN I PICKED IT UP FROM THE POST OFFICE ON XX/XX/24, IT WAS IN A TORN OPEN ENVELOPE. 
TORN WIDE OPEN!!!! ( NOT JUST A CORNER OR PART OF THE FLAP ) AND THEN SECURED IN A POST OFFICE PLASTIC COVER. WHEN I GOT IT HOME THERE WERE FOLDED PAGES AND INDICATIONS IT HAD BEEN VIEWED. 

I TRIED TO CALL THEM, EXPERIAN, IMMEDIATELY BUT COULD NOT GET PAST THEIR XXXX XXXX XXXX. WHICH IS NON RESPONSIVE AND DOES NOT ALLOW FOR LIVE INTERACTION. I SPENT A COUPLE HRS TRYING TO GET THEM ON THE PHONE. 

I PUT A CREDIT FREEZE ON MY ACCT. 
THROUGH THE AUTOMATED SYSTEM. 
I ALSO CALLED THE OTHER XXXX AGENCIES TO ADD A FREEZE. 

EXPERIAN SHOULD BE ACCOUNTABLE FOR ANY COMPROMISED INFORMATION. 
XXXX CALL SHOULD BE ENOUGH. 
AND EXPERIAN SHOULD HAVE HAD TO HELP ME PROTECT MY ACCTS. HELP ME NOTIFY OTHER AGENCIES!!! 

EXPERIAN HAD A FIDUCIARY RESPONSIBILITY TO SECURE MY INFORMATION BEFORE IT WAS DELIVERED TO ME!!!!! THIS IS A BREACH AND I AM SERIOUSLY COMPROMISED BY THEIR CARELESSNESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

loans forgiven, yet there still showing as reported XXXX ... XXXX will not remove, keeps ne at lower score and negative
Product: Credit reporting or other personal consumer reports

When I sent a copy of the FTC report, it became clear that 3 credit bureaus are not obstructing documents. I am sending this complaint in order to help with the legal response because it is required by FCRA regulation 605b. If you choose not to remove the attached documents listed below, which contain fraudulently obtained incorrect answers, I will turn over my archives to my attorney so that they may start a legal process. If it's not too much trouble, please follow the law as it is my intention to not pursue any lawful activities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX
Product: Mortgage

on XX/XX/XXXX, my LTV reached 78 %, which requires my servicer to automatically cancel the PMI, as I always paid on time and my LTV reached 78 %. While the Homeowners Protection Act of 1998 ( mentioned on their website when I log in + XXXX XXXX  website ), they keep telling me it needs to be 75 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report on XX/XX/XXXX and noticed 5 hard inquiries on my Equifax report. I called Equifax to have them removed because they were not authorized by me. The representative removed 2 hard inquiries with XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX. He said he was unable to remove the other three, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX.
Product: Student loan

XX/XX/XXXX I applied for loan consolidation with Mohela being my loan servicer. The message I received was that it would take approximately 4 weeks, possibly longer if more information was needed from me. Fast forward 8 weeks and I still had heard nothing regarding my loan consolidation, it was still pending and nothing was moving. Another two weeks went by and I said FORGET IT, and I paid my loans, one by one. My balance shows XXXX as of approximately XX/XX/XXXX. Next thing I know, a little less than a week after XX/XX/XXXX, I receive a letter in the mail from US Dept of Ed informing me that I am approved for loan consolidation. I assumed its going to take a minute for US Dept of Ed to catch up with Mohela and realize theres nothing left to consolidate. Everything is paid. XX/XX/XXXXXXXX  : I receive a bill in the mail for a new Mohela account and it states that my current balance is {$2700.00}. Now, clearly I went to college. And if I paid off a balance, with a payoff letter, and my current account states that I owe nothing, well then how do I owe {$2700.00} on some other account that has never been my account to begin with? 
XX/XX/XXXX at XXXX : I called Mohela at XXXX and spent 2h and 28 minutes on the phone with Mohela XXXX speaking to XXXX to start off and she said they could see I had made the payments in my original account but the money wasn't properly applied. I should make a payment on the new account while they try to make that happen but it should be all set by the end of XXXX. I tell them Ive given enough money and I would by no means be making any payment for their administrative error. At that time, I requested to speak with a manager or supervisor. I was placed on hold for an additional 30 minutes until XXXX answered. XXXX acknowledged the payments weren't applied properly and she understood that I was not making further payments. She would accommodate and rectify the situation. 
XX/XX/XXXXXXXX  : Why am I still receiving bills two months later?!?! I have submitted the same issue to the US Dept of Ed along with financial records indicating the payments that were made, also attached here. The US Dept of Ed closed this case without even reaching out to me to discuss. 
I am HIGHLY concerned that they have received my money already and are more than willing to let a loan servicer collect more money from me.
Product: Credit card or prepaid card

I got a notification on my credit report about a collections from midland credit regarding a XXXX card that i never had. 

I looked up the statements and they have my address but i never had this card. there is a balance of {$4300.00} and I only have one card with a {$4000.00} limit which is my dcu card and I still have it in great standing. 

I have disputed this with the credit agencies like XXXX, XXXX, and XXXX with no luck. 

I have called MCM ( debt collector ) about this and issued a fraud dispute with them. 

I have been trying to get this removed from my credit report because ITS NOT MINE!
Product: Credit card or prepaid card

Hello, you close a complaint # XXXX - XXXX Here my answer for the bank : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I received your letter that disrespect you are a lying bank. The denial of the secured credit card, according to his staff, " was part of a process they do, first they deny it and then they approve it '', that's what XXXX told me, after that excuse, XXXX said and write me : " it had been a mistake ''. 

I have everything in writing. Your answer for me is : " If you don't like it, close the account '' HSBC should be respect the users, you sold me a lie. You offer me : " if I opened the account they gave me the secured card '' The truth was you denied it, that's the point. 

I do not share your lying answer. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- CFPB - How can they close a case when the bank lied and nothing happens about it? What is the protection from you?
Product: Credit reporting, credit repair services, or other personal consumer reports

the company Factor trust has a non working number and will not respond to any disputes abount infomation i disputed on my report
Product: Debt collection

In response to your response from previous report number : XXXX about IDEAL COLLECTION SERVICES, INC This is what you wrote : I am confused as at the beginning of your complaint, you acknowledge receiving our response dated XX/XX/XXXX and at the end of your complaint you state instead of us responding we waited 2 years to report the account to the credit bureaus. In my XX/XX/XXXX response I offered a payment plan to avoid the account from being forwarded to the national credit bureaus and sent the validation of the claim. Attached, please find a copy of my response along with the documents that were attached. Also, please find attached, a copy of the notice to vacate form you signed. In the last paragraph of that form and the last sentence states " I understand that management will complete a move out inspection checklist after my departure and any claim on my security deposit will be itemized. '' I our office has already validated the debt and the account is past due and due in full. 

I respond to you the following : I moved out in XX/XX/XXXX, two years later ( XXXX ) you report the account. The attachments you included verifying the debt, only the notice to vacate is signed by me. The other documents you sent verifying debt, showing all those extra fees they're charging, Is what I previously had asked you to send me the Invoices XXXX XXXX XXXX has for all repairs, because I repaired everything before moving out and hired a carpet cleaner company. This is why I ask for all that so I can take the case to court with my evidence of repairs. That's all you need to send me and I'll proceed from there at court.
Product: Money transfer, virtual currency, or money service

I matched with an individual on the dating app XXXX claiming to be someone who is in my local area and going to my local university. We began texting in which they then confided that they were actually XXXX. I did not immediately cut them off, messaging them that the situation was strange, feigning interest so I could let this person I perceived was real down easily when I would cut them off the following day. Instead, I got a text claiming that it was the individuals father and that they had gone through her phone following a XXXX breakdown and XXXX attempt and found our text messages, and were considering contacting authorities. Following my reply in which I stated I was interested in speaking with the authorities, I received a phone call that had the caller ID information of my local police department, down to the actual phone number used in non-emergency situations being listed as the phone number. The man on the other end of the line said they were with my local police department, and if I knew the individual in question, proceeding to tell me my actions in communicating with someone under XXXX was illegal. They then said if the family handled matters externally from the police department, and did not opt to file charges, then a warrant would be issued for my arrest. The phone call ended there. I then began texting the father of the individual I had matched with, who expressed that they would cover half of XXXX  and XXXX  costs in exchange for me covering the other half, and they would not press charges if that occurred. I was then once again contacted by the police who reiterated that if I did not handle things with the family, I would have a warrant issued. After that phone call ended, and now that I was sufficiently panicked, I sent money via XXXX to the email address they provided, with the last message I received from them being a message declaring they received my money.
Product: Bank account or service

On XXXX XXXX I opened a CitiGold checking account with CitiBank with a promotion that offered XXXX XXXX XXXX miles after using bill pay in 2 concecutive months and spending XXXX dollars. I completed these requirements XX/XX/2016 and was told in XX/XX/XXXX that I had completed all the requirements and that these points would be sent to my account by XXXX XXXX, 2016. They were not and i contacted Citi again to inquire when they would be posted. This time i was told that the points should have posted already, that an investigation would be opened, and that i would have a response by no later than XXXX/XXXX/16. This, too, came and went and I contacted Citi a third time. I was told that the agent was unable to assist me, other than opening a new investigation and asked to call a number. Calling in to the promotions dept, ( the fourth attempt to resolve this ) I was told that the issue was under review and I could not be given a new timeline. I sent a fifth letter via secure message on the Citi site detailing all of the contact attempts so far, and received no response, contrary to their policy of responding to all inquiries. I contacted them a 6th time on XX/XX/XXXX and was told that the case is still " in progress. '' From my research online it seems that this is a common problem with Citi trying to get out of honoring this promotion. I hope that CFPB can assist in holding them accountable to their contract.
Product: Credit reporting or other personal consumer reports

Dear Experian, This correspondence exposes Experians deeply flawed and unlawful dispute resolution practices. Therefore, I demand an immediate, thorough, and fully compliant investigation into this matter. 

Pursuant to 15 U.S. Code 1691b, Experian is subject to CFPB enforcement actions. Your regulatory violations over the past seven years reveal a disturbing pattern of disregard for federal compliance. Furthermore, I have sent a copy of this letter to the Federal Trade Commission, along with proof of my previous correspondence that has been ignored, violating 15 U.S. Code 1681e ( b ).

Additionally, under 15 U.S. Code 1692g, you are legally required to validate the alleged debt and provide verified proofspecifically, the original application, contract, note, or signed documentor immediately remove this false information. Failure to comply will result in further legal action, as upheld in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. 

The following accounts are in dispute and must be investigated and resolved promptly : XXXX XXXX Account XXXX XXXX XXXX Account XXXX Furthermore, per 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), if any previously deleted information is reinserted into my credit report, you are required to notify me in writing within five business days. Any failure to do so will result in further legal action.

This matter requires your immediate attention. You have 30 days from receipt of this letter to resolve this dispute and remove the inaccurate information. Failure to do so will result in me pursuing all available legal remedies.
Product: Money transfer, virtual currency, or money service

I received direct deposit of EIP payments 1 and 2 to my bank account. For payment 3 I received an EIP debit card in the mail less than two weeks after I was notified that a direct deposit was schedule for payment 3. I do not wish to establish a business relationship with XXXX  or be subject to the terms, conditions and fees associated with their card. 

There is no option on the IRS web site to reject the card and force a direct deposit like the first 2 payments. In order to try to resolve the problem through XXXX, I must first establish a business relationship with them which I will not do. There appears no way for me to get my payment without a huge delay.
Product: Debt collection

XXXX CALLED MY CELL NO ( XXXX ) XXXX 13 TIMES. THEY LEFT VIOCE RECORDING SKIP TRACING FOR FAMILY MEMBERS. I SENT CEASE COMMUNICATIONS VIA XXXX-FAX AND ONLINE.
Product: Bank account or service

I am filing this complaint about PNC Bank for what I believe to be confusing marketing practices aimed at tricking existing PNC Mortgage customers into opening a new PNC Bank account. 

My wife and I have a mortgage through PNC Mortgage. Yesterday we each ( separately ) received letters in the mail suggesting we needed to go online to set up a PIN number. It appeared we needed to do this in order to set up " online banking '' so we could " access ( our ) accounts ''. 

The letter itself came in the type of " snap out '' form that often is used for sending checks, or for sending official notices relating to things such as proxy voting for shareholders. It was not in the type of glossy, colorful envelope that is typically used for marketing purposes. So, as the only relationship I have with PNC is my mortgage, I naturally assumed this was some sort of formal notification or communication relating to my mortgage. 

I began the process of setting up online, because I will need to access my escrow information at tax time ( interest paid, insurance, etc. ). But I grew suspicious when the online " setup '' process began asking for more information than I thought would be necessary for simply setting up online access to my mortgage account. 

So I called customer service, concerned that this may be a form of " phising ''. They told me that they were aware of this letter. It was in fact sent by PNC and was valid. According to them, they wanted to offer their mortgage customers the ability to " access additional banking products and services '' at PNC. In short, they wanted me to set up a new bank account. 

The form letter they sent out did not at all make this clear. It does not clarify that they are sending this to existing mortgage customers and that they are soliciting these customers to set up a new account. 

Instead, it appeared to simply be telling us we needed a PIN in order to " access ( our ) account '' online. On closer examination of the letter, I now see that they use the words " online banking '' but they do NOT use the words " establish a new account '' or " an additional account '' or anything that would clarify to the reader that they are trying to sell us additional accounts, products or services. In addition, to most folks ( at least myself an my wife, both of us have Masters Degrees ) the term " online banking '' when used in the context of PNC Mortgage simply means " online access to the mortgage account ''. 

This seems to me to be an extremely misleading way to trick people into opening accounts that they do not wish to have. 

In light of recent XXXX XXXX actions - where their employees were setting up new accounts without customer knowledge - this letter from PNC seems to be a twist on that same thing, except in this case, they are simply trying to mislead existing mortgage customers into setting up new online bank accounts.