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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Product: Debt collection

My problem is with transunion there is a child support debt on my public file for {$27000.00} and on my my public file that say legal I sent documentation to child support disputing that its a legal debt I submitted the documentation. I sent the documents on XX/XX/2021 it got to trans union XX/XX/2021. It seems like child support and transunion are in some type of collusion because after I sent them the supporting documents. Child support takes off the tittle and of it being a legal document and sent it to another part of my credit report under the deogratory part and it was updated XX/XX/2021. So in so many words transunion let them take off the the tittle who the debt belong to, who it belongs to I'll provide evidence so u can have a clear picture, its seems transunion allows people to report debts even if it belongs to them or not. In my case it looks like transunion does favors illegal favors to oppress people.
Product: Debt collection

This company who I have never heard of contacted my sister leaving a message that I owe a debt to them from XXXX XXXX XXXX. This is false and they need to be reported. They also sent my name to a number that isn't affiliated with me which is against the law.
Product: Checking or savings account

Monday XX/XX/. Attempting to make a deposit. Only 2 tellers working, limited assistance from other staff. Wait time is completely unacceptable ( up to 12 customers waiting in line; several got frustrated and left ). Bank of America consistently has terrible customer service. U.S. consumers deserve better. Thank you for your assistance.
Product: Debt collection

I have never opened a utility account with XXXX XXXX XXXX I am XXXX XXXX XXXX, I have been living on a XXXX XXXX since XX/XX/XXXX to XX/XX/XXXX. 
I was XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX And I have been living in XXXX XXXX XXXX since I returned from Deployment and I dont have a Utility account with XXXX XXXX XXXX . The only XXXX Account I had was with XXXX from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all bureaus concerning unverified items on my report and had no response. I have attached the certified letter receipt to this complaint. Here are the tiems i want removed : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

Experian continues to report Scan, and it is old ( XX/XX/XXXX ) they remove it and put it back again. When I try to dispute it, it says the will not do a duplicate dispute. They also have loans that have closed on my account and will not remove them. It just won't stop and when you try to call its an automated machine and you never talk to anyone.
Product: Debt collection

This is a medical bill that was paid by insurance and I do not like to feel threaten about my personal information on my credit report
Product: Mortgage

My wife and I applied for a home equity line of credit with PNC Bank. During the process, PNC required an explanation of our prior history of late payments on a previous mortgage. My wife and I submitted an explanation anround XX/XX/year> that included an history of our daughters significant XXXX XXXX XXXX XXXXXXXX XXXX and major XXXX complications. We explained how my wifes inability to work during this period in order to care for our daughter contributed to our previous financial problems. 

In mid-XXXX  XXXX, were initially told that we were applying for a home equity loan of around {$100000.00} at a 9.5 % interest rate ( 1 % above the prime rate ). 

After we submitted the prior late payment explanation, we were advised that we made it past the financial considerations. No additional information was submitted. A week or so later, PNC advised that would only give us a {$46000.00} home equity loan. 

I spoke to PNC and agreed to move forward with the reduced home equity loan. A few hours after the closing appointment was made, PNC called me, and, for the first time, informed us the rate on the home equity loan was 4 % higher, or 13.5 %. 

We previously filed a claim with the CFPB, on the basis that PNCs change of rates after the closing appointment was made, was an unlawful bait and switch. PNC has yet to respond. Their response is due on XX/XX/year>. 

After the complaint was filed, I requested copies of all communications between PNC and myself, including recordings of all telephone calls to help demonstrate my claim. PNC has refused to provide this information unless I issue a subpoena. In informed them I can not issue a subpoena unless there is a court case or the CFPB initiates an administrative action. 

After further reflection, PNC unlawfully discriminated against us because of our daughters significant XXXX XXXX  issues ( previous XXXX XXXX  ), by raising the interest rate on our loan, based on the health care information we provided to them. Because they viewed us as a higher financial risk because of our daughters health care history, PNC unlawfully raised the interest rate on our home equity loan ( on XX/XX/year> ) after we confirmed the closing appointment for the following Monday, XX/XX/year>.
Product: Checking or savings account

Timeline : 1. I deposited a personal check to my HSBC checking account. 
2. And their security department suspend my account. However no one from HSBC contact me via email or phone 3. I don't aware of the issue until I can not access the account either from web or mobile. 
4. I called the customer service department on XX/XX/XXXX. They gave me a phone number of security department without addressing my issue 5. I called the security department on XX/XX/XXXX. The representative ask me to wait to 5-8 business day without giving me a resolution. During these time i can not access my account balance or do other action. 
6. I called the customer service department on XX/XX/XXXX, and issue still doesn't get fixed. 
7. I want to close the account, and the representative refuse to do that. 

Complaints : 1. During these time, No one called or emailed me explaining why my account was suspended. And how can I fix the issue. 
2. They set the working hour of security department to is 8-5 pm, ET, which is very inconvenient for me to contact them since I am in PT time zone. I have successfully contacted the security department once. However they does not fix my issue just asking me to wait. 
3. I used this account to pay my other credit card and rent. Since they refuse to tell me the balance of my account, I might be required to pay over-draft fee or late payment fee from various credit cards companies.
Product: Student loan

I am trying to determine whether or not my student loans will be forgiven. I am a XXXX employee and I have my ten years of service. I have been trying to get my service provider to make a determination as to whether my payments will be counted toward forgiveness. Twice, they've told me they will review my case and get back to me. They have failed to do so as of this date ( XXXX-XXXX-18 ). Six months, this has been going on. I just need to know if my loan will eventually be forgiven. They also implored me to participate in the income based repayment plan which actually caused my monthly payment to go up by {$20.00}. Please help.
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX Account Number : XXXX Kindly correct/update this inaccurate information on my credit report. 

I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. 

Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that XXXX making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress. 

I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( 1 ) and ( 2 ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. 

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXX 's XXXX XXXX, XXXX XXXXXXXX XXXX  " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,
Product: Money transfer, virtual currency, or money service

I CONTACTED PAYPAL REGARDING TRANSACTIONS IN WHICH THE MERCHANDISE WAS NEVER RECEIVED under my user name : XXXX XXXX XXXX  XXXX {$50.00} XX/XX/XXXX Payment XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX {$350.00} XX/XX/XXXX Payment " Order Number : XXXX ''
Product: Mortgage

XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, Iowa XXXX Complaint against- Midland Mortgage XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Loan # XXXX Complaint : I received my annual Escrow Account Statement the second half of XXXX, outlining that my principal and interest would not change for the next year of XX/XX/XXXXXXXXXX/XX/XXXX ( see enclosure ). Near the end of XXXX Secretary of Treasury stated that the Federal Interest rate would increase by a 0.25 %, after which, Midland Mortgage sent me another notice stating that my interest rate would increase by 0.25 %. I received this notice less than 25 days of when the change would take place ( which is required by my contract ), despite the date on Midlands statement. Never the less, I accepted the change and made the payments. Other conditions that Midland has not been compliant with, are them providing me the index that they use to calculate the change in rate and date of that index as well as other requirements in The Adjustable Rate Note, Interest Rate and Monthly Payment Changes, # 5 A-G. XXXX, I am informed that Midland Mortgage is increasing my interest again by 0.125 %. This would also permit them to adjust my Change Date. Midland Mortgage citing they made an error is not a defense that is acceptable. It is not justifiable that Midland Mortgage or any mortgage company be allowed to make changes to customers ARM, every time they make an error. If this were permitted, then the yearly Change Date would be futile. What I want to happen : I do not want Midland Mortgage be permitted to increase my rate after the effective Change Date of the contract. I do not want Midland Mortgage to be changing my Changing Date of my contract. Midland Mortgage trying to increase my rate is just another example of million/billion dollar companies taking advantage of consumers. This problem addresses the issues of these big companies always cheating consumers by shaving a little off the top. Such large companies shaving a few extra dollars from millions of consumers equates to billions of undeserved revenue for them and increasing the financial struggles of the American consumer. Frequently encounter examples of : XXXX overcharging for over usage of data, even though I have been close, but not over. XXXX charging for cloud usage, $ XXXXm for years, but never used, not knowledgeable of ; XXXX XXXX charge for equipment/services not requested, not used. XXXX advertised additional cost services, but later eliminate such services ( hide cancellations in small print/terminology non-specific ), but they still collected for those services. These companies know that it is counter-productive for consumers to engage in legal battles for such small amounts, therefore they are forced to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Enquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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

Trans Union investigated a complaint I initiated with XXXX XXXX reporting a charge off on my credit report. There has been 7 years from the date of the first missed payments based on Tran Union investigation. 
XXXX XXXXXXXX XXXX XXXX ( 1 ) last payment received was XX/XX/XXXX for {$9900.00} with a high balance of {$6000.00} XXXX XXXX XXXX XXXX ( 2 ) last payment received {$10000.00} on XX/XX/XXXX High balance of {$7000.00}. XXXX XXXXXXXX XXXX XXXX ( 3 ) last payment was XX/XX/XXXX {$9600.00} High balance of {$7000.00}. they all have purchased by another lender - Paid in full /was a charge off. Est month and year these item will be removed XX/XX/XXXX. Seven years from the Date of the first missed payment for all three loans was XX/XX/XXXX. The investigation shows payments weremade, however this contradicts XXXX XXXX statement of XX/XX/XXXX. 

Request the XXXX XXXX loans be removed immediately from Trans Union/ XXXX XXXX credit reports based on incorrect reporting information, or 7 years from the date of the first missed payments. Estimated date XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to XXXX, XXXX  and Transunion post marked XX/XX/2021 and received return receipt on XX/XX/2021 regarding the validity of 4 accounts on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not received a response from any of the credit reporting agencies, these items should be removed immediately Best regards,
Product: Checking or savings account

Barclay savings account opened on XX/XX/2023 and external account ( I'm an owner ) added. On XX/XX/2023 at XXXX XXXX ET, received email that my savings account access was suspended due to my external needing to be verified ; I called Customer Service immediately and was advised that I need to send in my external bank statement to their fraud department email address. I called again on XX/XX/2023, and was advised that the fraud department received my documents and would be reactivating my account on XX/XX/2023 evening or on XX/XX/2023 at the latest. That did not happen as advised. I called on XX/XX/2023 at XXXX XXXX  ET and was advised that fraud department was closed and my account is still suspended. They advised me to call back again next week. This is ridiculous as the trial deposits already showed up on my external account ( that means the verification progressed ). 

I need to have my savings account re-activated as soon as possible, and Barclay is not moving forward appropriately and timely.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the inadequate response to my previous complaint ( Case # XXXX ) concerning incorrect information on my credit report. The issue involves a collection account from XXXX XXXX XXXX, originally from XXXX XXXX XXXX  XXXX XXXX, opened in XX/XX/XXXX. 

Summary of Previous Complaint On XX/XX/XXXX, I submitted a complaint to the CFPB regarding a debt validation request I had sent to Equifax. Equifax claimed the debt met requirements but failed to provide the validation process or the requested information as required by law. 
. 
Equifax 's Inadequate Response On XX/XX/XXXX, Equifax responded to my complaint, stating they had verified the item belongs to me and updated the account. However, their response was insufficient for the following reasons : Lack of Proper Validation : Equifax did not address my core concern about debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Incomplete Investigation : While Equifax claims to have conducted an investigation, they did not provide details on their process or the specific documentation used to verify the debt. 

Failure to Provide Requested Information : The response did not include the information I originally requested in my debt validation letter, such as the original contract or agreement and a detailed account of how the balance was calculated. 
. 
Request for Further Action I believe that Equifax has failed to comply with the Fair Credit Reporting Act ( FCRA ) and the FDCPA in handling my dispute. Therefore, I request that the CFPB : Investigate Equifax 's practices in handling debt validation requests and credit report disputes. 

Require Equifax and XXXX to provide a detailed explanation of their investigation process and findings, including specific documentation used to verify the debt. 

Ensure that the credit bureaus comply with all relevant laws and regulations in handling consumer disputes and debt validation requests. 

Take appropriate action if any violations of consumer protection laws are found. 

I appreciate your attention to this matter and look forward to a thorough investigation and resolution of my complaint.
Product: Credit card or prepaid card

Citibank 's credit card advertises zero liability on fraudulent charges. I was able to provided emailed requests to set up cancellation and cancel the service. I did message the vendor XXXX XXXX several times over a few months in email correspondence and they refused to cancel service due to the person who set up the account was the only authorized person to cancel the service. That employee is not with the company and requested no further communication from XXXX XXXX upon discharge of the employee. I am the owner of XXXX XXXX. Citibank did not honor the dispute. I then requested them to stop additional payments to the vendor. They did not. Eventually I requested them to reissue my card to get a different number of the card to stop the charges. The total overcharges were {$440.00}.
Product: Money transfer, virtual currency, or money service

This is about how Zelle handling disputes particularly in the light of recent CFPB lawsuits highlights significant issues with the system. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that lost funds were impossible to recover and tracking the transaction was impossible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency i unacceptable and raises questions consumers safety.