23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I received information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX that my personal information has been exposed, Shortly after I received alert of credit inquires, I did not apply for and my XXXX  XXXX XXXX debit card and account has been hacked several times. I have sent multiple dispute letters to the credit bureaus over the past year, and nothing has been done to remove the inquiries below, I call and spoke with a representative that advised I need to file a formal complaint. 

I am requesting the following information be removed 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
Product: Mortgage

M & T bank issued me a letter on XX/XX/XXXX specifying that my hazardous insurance has expired and that the bank plan to buy. Also, the bank ask that I should provide insurance evidence as soon as possible and fax or mail to the bank. 
So I called bank, roughly on XX/XX/XXXX, asking how many days that I have to buy the insurance ; bank rep. answered that I have 45 days before bank forcefully buys for me. 
I called insurance agent and purchased the insurance on XX/XX/XXXX ( within 45 days of bank notice ). The insurance I purchased covers from XX/XX/XXXX - XX/XX/XXXX. 
On XX/XX/XXXX M & T bank issued second letter that I need to provide evidence of insurance for the period of XX/XX/XXXX thru XX/XX/XXXX else they will charge me {$1300.00}. 
I called the bank and mentioned that I did not receive any notification about my insurance was going to expire on XX/XX/XXXX. The rep. also acknowledged that she does not see any notification issued to me from M & T prior to XX/XX/XXXX about getting insurance renewed. The only notification she sees about hazard insurance expiration from the bank was issued on XX/XX/XXXX. 
I followed bank instructions and did the due diligence to purchase the insurance for one year and provided evidence to them. The bank DID NOT state any timeframe or dates on the " first letter '' that I need to purchase or cover the insurance for. The bank DID NOT issue insurance expiration notification prior to XX/XX/XXXX. So after I acted on the bank instructions to purchase the insurance and provided the evidence, the bank now wrote specifying to show evidence of past dates coverage ( XX/XX/XXXX thru XX/XX/XXXX ) on the " second letter ''. 
To cap : bank did not issue any notification of insurance expiration prior to XX/XX/XXXX. The bank did not specify any date on their 'first notification letter that I get coverage ( XXXX ) on XX/XX/XXXX. After I purchased the insurance, the bank now releasing the dates. Their communication to me was vague or not clear. 
I respect our financial institutions but in my situation M & T did not provide notification early on insurance expiry, did not communicate clearly on its notifications that I get insurance for specific dates. We, the consumer rely, on our institutions for clear guidance to act fairly and in timely manner. 
I should not be charged for the period XXXX thru XX/XX/XXXX for the insurance. This is my issue and dispute with M & T bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the method of verification used by the Consumer Financial Protection Bureau ( CFPB ) to determine the accuracy of the following accounts on my credit report : - XXXX XXXX XXXX - Charge Off - XXXX XXXX XXXX XXXX - Charge Off - XXXX  XXXX - Late Payments - XXXX XXXXXXXX XXXX XXXX XXXX Late Payments It is crucial for me to understand the process and criteria utilized to verify these accounts as accurate. This request is not a dispute but a formal demand for verification and reinvestigation of the aforementioned accounts. In accordance with the Fair Credit Reporting Act, Public Law XXXX1-506, Title VI, Section 611, Subsection A-D, I am requesting the following : XXXX. **Method of Verification : ** - A detailed explanation of the specific steps taken to verify the accuracy of these accounts. 
- The sources of information used during the verification process. 
- The criteria used to determine the accuracy of the information. 

XXXX. **Verification Contacts : ** - The names and business addresses of each individual or entity with whom you verified the below information so that I may follow up. 

XXXX. XXXXCredit Report Copy : ** - A copy of my credit report after your investigation and verification process is completed. 

For your reference, the accounts in question were verified as follows : - **XXXX XXXX : ** Verified as reported. 
- XXXX XXXX  XXXX XXXX : ** Verified as reported. 
- **XXXX XXXXXXXX XXXX XXXX ** Verified as reported. 
- **XXXX  XXXX XXXX XXXX XXXX ** Verified that the remaining disputed information was accurate as reported. Additional information has been provided from the original source regarding this item, with modifications to the following fields : scheduled payment, date of last payment, closed date, date of last activity/date of first delinquency, additional information, historical account information.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

PNC Bank XXXX Wi XXXX XXXX XXXX employee of PNC Told me my mother set up an account that she wanted me to have after she passed away XX/XX/2012. 

XXXX formed me person to person that the money was not in the account anymore. 

I didnt know about the account my oldest sister XXXX XXXX XXXX did and possibly my oldest brother XXXX XXXX XXXX who were to over see the final requests of my mothers after she died. 

To this date I cant get it rectified with my siblings or PNC bank XXXX I no my sister was aware of the account she got angry with me when I questioned her after speaking with XXXX XXXX then. 

Where did the funds go! I was speaking with XXXX about car loan information that day and she informed me that the account was set up and I believe she knew the amount but said it was empty then. 

Then didnt say anything I immediately called my sister in Arizona to speak about it and XXXX XXXX XXXX XXXX XXXX XXXX  for finding out the information on that account telling me I wasnt to have learned of the fact. 




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

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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
Product: Mortgage

During the COVID pandemic, accidentally missed a payment on my mortgage. I accidentally forgot to click on the Submit button on the day before my payment was reported as delinquent. I have never been 30 days late on this or any other account in my entire life and, unfortunately, due to the stress of COVID, I accidentally did not submit my payment. Honestly, I thought I had submitted it and I don't know what happened. The mortgage company can review their logs and they will see that I was online on their website on the day before 30-day mark hit. I am deeply affected by this financially ( interest rates ) and I would like to apply for a better mortgage because this company has been excellent. The pandemic took its toll on many lives and I hope mine can be helped.
Product: Credit reporting or other personal consumer reports

After carefully reviewing all three of my credit reports from the three major credit bureaus, XXXX, Experian and XXXX, I noticed that there were multiple errors on my report which included hard credit inquires that were not legally authorized or made by myself. The inquires are listed as it follows below ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$810.00}
Product: Credit card

AMEX PROVIDED THESE TERMS AND AGREEMENTS WHEN THE CARDS WERE ISSUED TO ME. THE SAME TERMS AND AGREEMENTS APPLY CURRENTLY AND WERE CONFIRMED WITH TERMS AND AGREEMENTS SHOWN ON YOUR WEBSITE HOWEVER AMERICAN EXPRESS HAS REFUSED TO REOPEN MY ACCOUNT AT MY REQUEST AND ALLOW ME TO PAY THE {$25.00} FEE TO REOPEN. THE ACCOUNTS MENTIONED STILL HAVE BALANCES OLD AND I WOULD LIKE THEM REOPENED. THEY WERE CLOSED BY ME IN XX/XX/XXXX DUE TO MY REPORTED IDENTITY THEFT ISSUE MERELY TO PREVENT FRAUDULENT CHARGES THAT I AM STILL TRYING TO DISPUTE WITH AMERICAN EXPRESS. I HAVE BEEN MAKING ON TIME PAYMENTS EVEN THOUGH ALL THE CHARGES WERE FRAUDULENT TO PREVENT ANY NEGATIVE REPORTS TO CREDIT AGENCIES TO PROTECT MY CREDIT. AMERICAN EXPRESS STILL HAS NOT SUPPLIED ME WITH REQUESTED STATEMENTS TO BE MAILED TO ME FROM XXXX XXXX XXXX XXXX XXXX WHEN I REPORTED IDENTITY THEFT IN ORDER FOR ME TO DISPUTE TRANSACTIONS. I HAVE BEEN WITH AMERICAN EXPRESS SINCE XXXX. I WANT THESE TWO CREDIT CARDS ACCOUNTS REOPENED AS PER THE TERMS AND AGREEMENTS AND AGREED TO THE {$25.00} FEE TO REOPEN. AMERICAN EXPRESS REPLY TO ME WAS AT THESE TERMS NO LONGER PERTAIN TO ME. I FEEL I'M BEING DISCRIMINATED AGAINST AFTER MY REPORTED IDENTITY THEFT IN XXXX. AMERICAN EXPRESS HAS BEEN DIFFICULT AND UNHELPFUL WITH MY REQUEST TO DISPUTE ALL OF THE FRAUDULENT TRANSACTIONS. THEY HAVE BEEN AT BY SEVERAL TIMES I MUST HAVE COMMUNICATION VIA US MAIL AS MY IDENTITY THEFT WAS THROUGH A CYBERSECURITY ONLINE BREACH ACCESSING MY ALL OF MY PERSONAL AND FINANCIAL INFORMATION.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed some things are incomplete and not accurate. I disputed the inaccuracies in XX/XX/year> but my dispute was denied by Equifax credit bureau. According to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts which appear as XXXX XXXX XXXX XXXX XXXX used interchangeably ), are not complete or accurate and according to 15 USC 1681s-2 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. One of the accounts as shown in the attachments is actually reported twice with conflicting information ( XXXX ). The accounts show random payments for some months or " no data '' although no payments were made from me to any creditor for the accounts on my credit report from XXXX OR XXXX  XXXX XXXX The accounts would thus have been in a delinquent status in excess of 7 years and should also be delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX ( 2020 ), I opened a Chase Freedom Unlimited credit card. I was receiving bills in the mail paying my card in full. On XX/XX/XXXX my bill was {$2700.00}, so I send in a payment for {$3000.00} leaving a credit of {$230.00} on the account. After this date, I never received another bill from Chase so I assumed the account was paid in full. 

From XX/XX/XXXX2020 until XX/XX/XXXX2020 I never received a bill or notification from Chase to alert me that there was a balance due. They charged me late fees every month : {$28.00} ( XX/XX/XXXX20 ) and {$39.00} XXXX XXXX/XXXX/20, XXXX/XXXX/20, XXXX/XXXX/20, XX/XX/XXXX20 ). At the end of XXXX the bank finally reached out to me by phone so I went to my local branch to see what was happening. 

I was told that they were sending notices to the e-mail they had on file, but I had not used that e-mail since XXXX. They claim that I changed to paperless billing in XXXX, but I never did that. I also never received anything in the mail confirming that I changed to paperless billing. At the end of XXXX they cancelled the credit card, and took away my rewards balance which now totaled {$290.00}. The bank claimed that their internal collections department sent me letters on XXXX, XXXX, and XXXX which I also never received. 

Not only did I lose {$290.00} in rewards, and was charged late fees, but my credit score also went from XXXX  down to XXXX  because of this error. I am hoping that you can assist me in getting my credit score repaired and get my money back from the bank. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX was listed for an inquiry on my credit report.Other inquiries listed below : Account name : XXXX XXXX. 
Account name : XXXX XXXX XXXX. 
Account XXXX XXXX XXXX 

All have 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 hard inquires from Capital One on my credit report. First one is XX/XX/XXXX. Institution on my report Cap One XXXX XXXX XXXX, UT XXXX, phone no. ( XXXX ) XXXX. Second hard inquiry was on XX/XX/XXXX. I have not applied for anything with Capital One or affiliated with them. I do not have a card or account with them, this is concerning hard inquires.
Product: Debt collection

I have been in contact with Portfolio Recovery Associates over an alleged debt they now own, which they have supposedly purchased from XXXX XXXX. PRA claims that I owe {$310.00} based on a credit card that was issued by XXXX XXXX with the account number " XXXX. '' I have asked PRA to provide Validation of the alleged debt. I have asked in writing, via email, for such Validation. PRA HAS TOTALLY REFUSED to validate this debt. PRA claims they have purchased this debt from XXXX XXXX, but refuses to provide any paperwork proving that I both incurred and owed the debt to XXXX XXXX originally. 

Please make PRA provide the original documents proving that I contracted with XXXX XXXX for a credit card with account number " XXXX. ''
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Student loan

This complaint is against Citi Student Loans : I had a loan with the company from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. I recently requested a complete break down of my charges because I wanted to make sure I was n't overcharged. I got some of the documentation I requested and immediately determined that the XXXX time interest was capitalized on my loan XXXX/XXXX/XXXX that I was overcharged by {$37.00}. So I called the company to point this out to them and the representatives told me I had to submit in writing how much I thought I was overcharged by and they would look in to it. I explained I had only looked and the very XXXX time interest was capitalized and stopped there because if I was overcharged at that point then everything going forward would have been overcharged. I was again told I need to submit a figure I thought I was overcharged. So I asked if I was being told I had to take the time to calculate the figures for the entire loan including every single payment made over the 5 years I was making payments and I was told that was correct. I told the representative that I 'm pointing out the mistake in the beginning and based on that the company should look over my entire loan, and to ask me to do it and if I do n't that nothing will be done was not acceptable. This treatment seems to be illegal or at least unfavorable to the customer.
Product: Student loan

I am an XXXX veteran. I received notification from the American Education Services/AES on XXXX XXXX XXXX, indicating my request for Direct Debit was approved on the following loans. My account number is XXXX. 

1 ) I was to pay {$35.00} a month for 160 months ( expected payoff XXXX/XXXX/XXXX ) on balance {$32000.00} ( interest rate 4.5 % ). This figure included late fees and unpaid interest 2 ) I was to pay {$22.00} a month for 151 months ( expected payoff XXXX ) on balance {$20000.00} ( interest rate 4.5 % ). This figure included late fees and unpaid interest I was also to pay an additional amount of {$66.00} for a total of {$120.00}. I have not missed a payment since the first payment was due on XXXX XXXX XXXXXXXX AES notified Pennsylvania Higher Education Assistance Agency ( PHEAA ) to assume responsibility indicating I defaulted on the loan and that was not true. Apparently my current owner at the time was XXXX XXXX, which has been involved in misallocating student payments. PHEAA is demanding I pay the loan in full immediately. I have submitted documentation, my bank has submitted documentation to PHEAA indicating I have not missed a payment. I no longer have access to my student loans via AES or PHEAA. I was told I would have to refinance and I refused since I was complying with the payment plan. It appears, PHEAA refinanced my loans without my permission for a larger amount adding some type of fee. I continue to make payments via my credit union, these are automated payments. I have submitted several letters to PHEAA and they simply state I failed to submit the appropriate documentation and that is not try. I need assistance on this matter. I am not sure who or what company is behind this matter. Thank you~XXXX XXXX XXXX
Product: Credit card

Asked to have a count closed over harassing phone call, before the due date. Never got a final statement. Now I get an alert that the account has been sold. No notice from indigo. None.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my TransUnion, XXXX and XXXX credit reports and found XXXX XXXX had pulled my credit without authorization on XX/XX/2018.I already had financing they were only authorized to complete the application not check my credit themselves. I sent them a certified letter to remove the unauthorized inquiries and they have not responded so I am filing a complaint.