23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our mortgage is with PNC Mortgage. It was previously XXXX XXXX and since PNC took over we have had nothing but problems with PNC. We show a 30 and 60 day late payment for XX/XX/XXXX and XX/XX/2017. There were many things that occured that caused these to be late. First we thought we were set up for automatic payments online but their payment system did not work properly. When we were notified ( finally after 2 weeks ), we tried to make the payment online as a one-time payment. Again it looked like it went through from our end but it didn't work. After more than a week we found out it didn't go through again because of PNC 's faulty payment system. We decided to mail a check for the payment. After several days we got the payment back as underliverable. I noticed the statements they mailed us had a different address then the payment book. The payment book also had the wrong amount of it. Now we were having to play catch up because we had more than one payment that didn't make it. We thought the money had already come out of our account and we didn't check our bank statement. Once we found out that we were behind 2 payments we had to take a loan out on my husbands retirement. It took a while to come in but as soon as it did we got all caught up. This was the only time we have been late. We have disputed this with the credit bureau 's and with PNC and have gotten no where. While we should have checked our bank statement this should never have happened. Their online payment system is truly faulty and this is not our fault. In addition to the issue discribed above, their payment system doesn't even allow you to pay online if it is after the XXXX of the month. This makes it really hard to get them payments. We also believe that having more than one address ( statement address vs payment book ) is ridiculous and our payment should not have been sent back. We are trying to remortgage our house to include a balloon payment due mid XX/XX/XXXX that the previous owner of the house took out to assist us in the purchase of our home. These late payments are keeping us from doing this. We need to be able to remortgage to pay off the other loan. We have hit nothing but road blocks from PNC. We even contacted them by phone when their faulty payment system caused us to get behind and they refused to help us out.
Product: Debt collection

I am having problems with a medical collection it was reported three different times for three different amounts and the debt have been paid by my insurance company
Product: Credit reporting or other personal consumer reports

I was goin over my report and I notice I have some fraudulent account along with some inaccurate information in my report please removed them from my report they are affecting my ability to obtain credit.
Product: Debt collection

I disputed this account back in like XXXX or XXXX. Currently, I am looking to buy a house, but the dispute remarks were blocking my mortgage approval. I reached out to CCI Contract Callers about removing the dispute remark, but they refused unless the debt was paid. So, I reached out to the credit agencies, and had them remove the dispute remarks. I have done this three different times and every time it gets removed CCI Contract Callers keeps putting the remarks back on the collections account. I am no longer disputing so I don't know why they keep adding it back. The main reason I am filing this complaint however, is because this time when they added the dispute remark back, they put the collection on my credit report twice, dropping my credit score below my required score for the mortgage. I owe them for one collections account not two.
Product: Student loan

I was unemployed for three months and asked for a payment reduction so I would not fall behind. The XXXX XXXX/Navient Rep said they would not help me even a little with any sort of reduction in payment. They ENCOURAGED me to file Bankruptcy so I could get rid of my other debt in order to be able to make my full payments to them ( since they know their loan is not dischargeable ). This is a " XXXX '' loan, but apparently not able to be consolidated because it is " XXXX ''. They also made me pay {$150.00} for each XXXX XXXX loan I have with them ( {$450.00} every six months to defer the payments when I XXXX got out of XXXX in 2006 and could not find a job ). All of my other loan companies deferred without payment. My other loans were all able to be consolidated as well. After encouraging me to file bankruptcy, they have called me around XXXX times per day ( even after I would talk to them ), called my mother and father and sister and have been asking everyone where my new job is. It is unbelievable they are allowed to treat people this way- and now they want to harass me at my new job?!? So I can get embarrassed and XXXX after looking for this job for over a XXXX and a XXXX?!? No other loan company does this and everyone else worked with me for the few months I was out of work. I went from perfect credit and XXXX missed payments to the worst credit ever in three months. They made me want to XXXX myself because of the way they treat me- purposely calling me all day so I can not talk on my phone and encouraging me to ruin myself financially so they can get paid more quickly. Going to graduate school with XXXX XXXX loans is the biggest regret of my life. They are called " student loans '' and they reap all the benefits of not being XXXX, but they will not allow me to consolidate them or defer or forebear them?!? All of my other loans are consolidated and the companies do not harass me like Navient/XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not satisfied with the way the Credit reporting Agencies dis their investigation. The Accounts I am disputing was never corrected and are still reporting erroneous information in my Credit file. The following accounts are inaccurate and is leading to a negative effect on my Credit File. I sent a letter to the Credit Bureaus on XX/XX/XXXX requesting them to take their time and conduct a proper investigation to verify the accuracy of these accounts and correct any inaccuracies. The 3 credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$6700.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$5100.00} DEPT OF EDUCATION/XXXX XXXX Balance : {$2000.00} XXXX  - CARD SERVICE XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$0.00} XXXX  - CARD SERVICE XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I filed for my 2012 taxes in the state of Rhode Island where I lived and Mass Department of Revenue had bad reporting by the payroll company who did work for my company. They allocated XXXX in income to Mass. I never lived in MA at the time. Therefore, they want me to pay a full years tax in MA. I am working on getting it corrected with the Payroll company so my tax atty can resubmit and get a reimbursement from MA instead of me paying in. I signed and submitted to EOS CCA and Mass DOR a Power of Atty. I sent it three times, they keep contacting me and not trying to resolve. Now they are saying they will garnish my wages in communications.
Product: Credit reporting or other personal consumer reports

Hello, I was reviewing my credit report and noticed I have a fraudulent account on my credit report. I have never done business with this merchant or the original merchant. This account is causing me to not repair a plumbing issue in my home. Please review and have XXXX furnish a contract showing i have done business with this merchant. please remove asap! 

Thank you in advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to place a credit freeze with Equifax do to their gross mishandling of my personal information. 

Their system via phone and internet methods, are reporting that credit freezes are 'not available ' when I attempt to activate my freeze. 

I called their customer service line at XXXX and was told that they are no longer offering credit freezes and I have to purchase their monitoring product. Florida state law allows me to have a credit freeze. They are breaking the law.
Product: Checking or savings account

I opened one CD account with Capital one on XX/XX/2023 with an 11month 5 % interest ; I entered and confirmed the external account around XX/XX/2023 then opened another CD around XX/XX/XXXX. To date, the accounts have not been funded and I called my bank ( XXXX ) who stated they do not show anything coming in to transfer the funds over ; I have called Capital One twice, they keep saying they have had " technical '' issues with lots of customers and those are no longer available. they can not transfer the money and refused to give me any information regarding an ACH Trace to prove they even tried to fund it. They now say that CD is no longer available and I would have to request to open a new CD 's at 5 % but it would be 12 months and I will not get approval for at least 20 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to DELETE these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I acquired my credit report and asked Equifax to ensure everything was complete and accurate according to FCRA 15 USC 1681i on XXXX XX/XX/XXXX. 

I waited 30 days and my credit report was still reporting inaccuracies after their investigation. 

I made a final goodwill attempt to have the matter cleared up on XXXX XX/XX/XXXX. 

I waited another 30 days and Equifax still proceeded to furnish the inaccuracies on my credit report, damaging my credit score and making it extremely difficult to acquire a house for my family and me. 

Also, I asked Equifax to update my personal information on file on XXXX XX/XX/XXXX and my information wasn't updated as I asked. 

This is a complete violation of my rights and a lack of professionalism and care from Equifax.
Product: Checking or savings account

Have been respectfully corresponding with Bank of America. Rep stated my accounts had been purged and that they were nonexistent and there was nothing to do in regards to reopening or obtaining funds. I informed him I was secondary on another account and the check book and debit card was stolen, still no assistance. Definitely fraud and grand theft taking place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting items on my credit report that are result of identity theft. I am victim of a organized crime ring where crooks stole my identity to obtain loans, credit cards and other things. I supplied Experian with a police report ( that I completed in person with a police officer at the police station ) and my FTC ID Affidavit which was signed by the same officer at the police station ( in person ). 

Experian deleted one account that was mentioned in the above legal documents. There are other accounts they did not remove which is a violation of my consumer rights. According to the FTC and FCRA, if a ID theft victim submits a ID Theft Affidavit that is signed by a police officer, CRA 's by law are required to block the noted accounts withing 4 business days of receiving notice. 

I spoke to XXXX at Experian 's XXXX, TX office who's part of " XXXX XXXX '' yesterday. She informed me that my police reports and ID Theft Affidavit were being verified by Experian 's security department. She then went on to say once the documents are verified they will block the noted accounts. Experian verified my reports yesterday evening however only blocked one item that was mentioned in the legal documents and not the other accounts. 

Not to mention, the accounts that they did not remove are not complete ; they are all missing important data such as incomplete payment histories, no monthly payment, statuses listed as " unknown '', balances left blank and much more. These errors causes my credit score to suffer and does not paint a complete picture to creditors of my credit worthiness. This in turn will cause me to not be approved for credit and/or receive higher rates and costs than usual. 

At this point I am starting to believe Experian is purposely being non-compliant and negligent, which is all grounds for a civil lawsuit pursuant to FCRA section 616 and 617. I am at my wits end, if these accounts are not removed immediately I will be left with no choice but to file a civil lawsuit in my county naming Experian as a defendant. Please note that if it gets to this point I will be inluding and asking for compensation for every error Experian has made on my credit report within the last 5 years- which is A LOT! I will also submit a FTC complaint and contact the Attorney General in both our states to rectify this problem.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag
FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 

Please update my credit report as per law abiding accuracy of data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX  XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CONTACTED XXXX XXXX XXXX ABOUT AN ACCOUNT ON MY CREDIT REPORT THAT I DIDNT AUTHORIZE. I SPOKE TO XXXX XXXX AND EXPLAINED THAT I DIDNT AUTHORIZE ANYONE TO OPEN AN ACCOUNT IN MY NAME FOR SECURITY SYSTEM. WE SPOKE ON SEVERAL OCCASIONS ABOUT THE ACCOUNT AND I ASKED FOR ANY PAPERWORK THAT VALIDATES THE ACCOUNT OR ORIGINAL PAPERWORK ALLOWING THEM TO COLLECT A DEBT FROM ME. MR XXXX WAS SUPPOSE TO EMAIL ME THE DOCUMENTS ON 2 OCCASIONS BUT I STILL HAVENT RECEIVED THEM AS OF NOW. SO I AM FILING THIS COMPLAINT IN ORDER TO GET MY CREDIT IN ORDER. I AM ATTACHING THE ACTUAL LETTER THAT I SENT TO XXXX XXXX XXXX AND THE DOCUMENTATION THAT I ASKED FOR. I EXPLAINED TO MR. XXXX THAT IF HE COULD PROVIDE THOSE DOCUMENTS THAT I COULD HANDLE THE MATTER DIRECTLY WITH PROTECT AMERICA. I AM FILING THIS REPORT ID THEFT BECAUSE HE SAID THAT THERE WAS OVER A YEAR OF PAYMENTS MADE TO THIS ACCOUNT. I HAVE NEVER SENT ANY MONEY TO XXXX XXXX  OR XXXX XXXX XXXX. ANY TRANSACTIONS ARE A RESULT OF IDENITY THEFT.