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

I was preparing to apply for a Consolidation Loan with the Credit Union that I have been a member of for several years but I wanted to know what my credit score was before I applied. I called Transunion and they told me that my score was XXXX ; this was good because I met the minimum score guidelines. I applied for the loan but was denied. When I called the Credit union to discuss the results I spoke with a representative and was given a different score of XXXX and was told that my debt to income was too high since my student loan payment was {$1100.00} dollars a month. I told her that this information is not accurate and I don't pay XXXX on my student loan, I was told that she was reading from my report. I told her that that information is not correct. She offered to put in a second application for me with the corrected information, however ; it was denied as well. but for different reasons. I didn't feel confident at this point so I asked which bureau report she was reading from and she said Transunion. I called Transunion and was told this information is not on my report and they did not give this information. I set up a meeting at the local branch of the credit union to discuss my application, I had hoped to speak with a personal banker but there are non at this branch, I was given a copy of a report sent from Transunion with the erroneous information it was dated XX/XX/XXXX. I asked Transunion for a copy of my report and was told they could not give me a copy until after XX/XX/XXXX because I have open disputes. I was told no-one could get a copy. I couldn't get copies of my own report but the Credit Union got a copy and made decisions based on erroneous information in the report. Based on the denial letters I received, my report obviously contains other errors and I don't understand if I wasn't allowed a copy of my report why were they.
Product: Credit reporting

My wife and I both have initiated disputes with Experian over the last couple month 's in regards to a TAX LIEN that has been paid. They sent us documentation stating that they need more time to verify. Experian has been given more then the time allowed under Federal Law. I have a document from the court stating that they DO NOT VERIFY information with Experian or any other credit reporting agency, also the letter shows the TAX LIEN as PAID. Please assist in getting this updated. We have exhausted all efforts and are considering filing a civil lawsuit with the assistance of our attorney. 

All we want is for the Tax Lien to show paid so we can move on with our lives. 

Thank you so much CFPB!
Product: Mortgage

I am requesting that you ( XXXX XXXX @ PNC ) send me something in writing showing where PNC tells the homeowners at the time of making the arrangement for Partial Claim that they could potentially lose their homes in the process due to impediments, lien, lis pendens, or anything of this nature. I don't recall anyone mentioning this to me over the phone when I made the arrangement at the beginning or the end of the arrangement and I don't recall seeing it in writing. Maybe if I had known this at the time, I would have figured something out while going through difficulties during the pandemic. As I stated before, it seems to me that PNC wants the customer to lose their home. Nothing was ever indicated that I could possibly lose my home if I opted to take the moratorium during the initiation of the partial claim process of this loan. PNC made it seem as though I would be able to get back on track once the moratorium ended. It was never indicated or mentioned that foreclosure was an option. A letter was even mailed out stating that I had been approved for the partial claim and then it was retracted. Now you've sent a demand letter dated XX/XX/XXXX the same day I called to make an inquiry and threatening demand and foreclosure of my home loan. However, on this same day at the time, I made the call I was told the home was not in foreclosure and that it was still in review two days later I received the demand letter. This is not the first time I have had issues with PNC keeping with their arrangements and/or agreements. I had to report them several years back regarding another issue during Hurricane Harvey. 

This is also not the first email sent to you ( XXXX XXXX at PNC ). You never responded to the previous email sent out and have taken only one of my calls in which I found flippant and not taking my situation seriously. This is my home. I have been here for going on 19 years and to have someone make light of my situation is appalling. My other attempts to reach you are always redirected to someone else. The one agent XXXX saw the email and sent me to someone in your Loss Mitigation department named XXXX who claimed she didn't see anything there. I have since gone to a PNC location and faxed the first email to you with the email address that is given for you in the email. So, this is proof that PNC did receive the first email. But if you don't receive this one, I have sent it to other entities that may be able to assist me. 

And furthermore, for reference, the HOA also filed the XXXX XXXX during the pandemic. This should attest to something. Everyone knows that people were having difficulty during this time. Why would this XXXX XXXX even be considered especially since it has been determined that there are no liens associated with the property and that there are egregious claims that my attorney has substantiated in her letter along with other documents? 

In the meantime, I have resumed making regular mortgage payments on the loan.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Coinbase placed a restriction on my account back in 2018 which blocks me from all transactions including withdrawal of the funds. I had contacted them via email several times. One reply dated on XX/XX/2018 stated : " We regret to inform you that we are no longer able to support your Coinbase account as well as any other accounts you may have created. Please note, we have not blocked access to the balance currently in your Coinbase account ; while we can no longer process brokerage orders via our banking relationship, you may still send your balance offsite to an external address.

There are a variety of factors which have been weighed in your case, and we unfortunately are unable to elaborate on our internal decision process. Please know that we do not make these decisions lightly, and do regret losing you as a customer. '' When I had reached out to them via the telephone, I was told that they could not tell me the reason why. They stated that in their email reply that I " may still send my balance offsite to an external address. '' However, this is incorrect because they had blocked that as well. 

A full dialogue of emails and account details are available on request.
Product: Credit card or prepaid card

On XX/XX/2021 I received a letter re : XXXX from Comenity Capital Bank indicating that my application for a XXXX XXXX XXXX XXXXXXXX Mastercard was denied because I had to many credit inquiries on my account. My credit score was XXXX as of XXXX XX/XX/2021 and I have other credit products with Comenity Capital Bank. Around that time, I was shopping for companies to refinance my home. Makes no sense that this company would deny my application especially if I have accounts and an impeccable credit history. I believe other issues are at hand because this makes no sense whatsoever.
Product: Mortgage

DITECH ATTEMPTED TO ESCROW MY MORTGAGE..I PAID MY FIRST HALF TAXES..THEY ALSO SENT MONEY IN..MY TOWN SENT THE MONEY BACK TO THEM..THEY RAISED MY MONTHLY MORTGAGE FROM {$490.00} TO {$1400.00} A MONTH..I SENT IN LUMP SUMS TO COVER MY SECOND HALF TAXES AND MY HOMEOWNERS INSURANCE ..BECAUSE I ONLY SENT {$490.00} /MONTH THEY SAY I HAVEN'T MADE A MORTGAGE PAYMENT IN 233 DAYS..SO I'M GOING INTO FORECLOSURE ... I JUST SENT ALL THE COPIES OF CHECKS THAT THEY CASHED ASKING WHERE IS MY MONEY..I CAN NEVER TALK TO THE SAME PERSON AGAIN AND EVERY PERSON I TALK TO HAS A DIFFERENT STORY..WHERE IS MY MONEY..TODAY IN THE MAIL I RECEIVED A NOTICE THAT THEY ARE LOOKING INTO THE PROBLEM ... BUT THAT'S THE SAME LETTERS I GOT LAST MONTH,,,,, PLUS,,, IN MY ENVELOPE WAS THREE OTHER PEOPLES MAIL,,, WITH THEIR ACCOUNT NUMBERS,,, THIS IS ONE SHADY COMPANY..IS THIS HOW THEY TAKE PEOPLES HOMES??
Product: Credit reporting

I WAS BUILDING A HOME IN XXXX XXXX XXXX, LOCATED IN XXXX, IN. THE POA CHARGED US ERRONEOUS FINES, FORCED MEINTO BANKRUPTCY, TRIED TO SELL MY HOME AT A SHERIFF SALE, TOOK ME TO COURT AND BOUGHT MY HOME OUT FROM UNDER ME. 
THERE WAS AN AGREEMENT BETWEEN MY ATTORNEY AND THE ATTORNEYREPRESENTING HIDDEN XXXX XXXX THAT NOTHING WOULD BEREPORTED TO THE CREDIT BUREAU. THIS IS ON ALL XXXX CREDIT REPORTS. 
I HAVE DISPUTED THIS ENTRY WITH THE CREDIT BUREAUS BUT THE ITEMREMAINS. I HAVE ALSO FILED A COMPLAINT WITH THE INDIANA ATTORNEYGENERAL 'S OFFICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score had remained in the mid XXXX. On XX/XX/2022 the credit reporting agency posted my credit score and dropped the score by XXXX points. 

First this is unheard of. When investigating the problem there was 2 signals that showed ( 1 ) old account was dropped from my credit for age ( 2 ) bank loan acct decreased for regular payments This would not have lowered a score it would have raised score. Especially not lowered by XXXX points. 

This error on the reporting agency has cost me thousands in extra interest and high end loans. 

I have had problems with this reporting agency before - refused to assist by telephonic services and seem to find these situations amusing. They seem to go away if you buy there reporting services.
Product: Checking or savings account

On XX/XX/2022, I notice there were numerous transactions on my checking account that I didn't authorize. I called M & T Bank and informed them of the problem. I was told that my card would be closed and a new card would be sent out. I was also told to monitor my account and if there were any more charges made to call back in. Which, I shouldn't have had to do so if I've already reported the issue. Later that evening I logged in to see another charge was made. I called back in to speak with a representative and at that time the ATM card was shut down. I don't know why it wasn't shut down immediately when I called earlier that day! The second representative also sent me a new card out expedited and finally closed the old card. I spoke with a supervisor this morning XX/XX/2022 about my issue and told her there were more charges and I ask how could this be if the card was closed? She then put in another dispute for the extra charges. I also ask why did I not receive any alerts notifying me as well as the bank that these charges were occurring back to back? Because I had reported the issue yesterday XX/XX/2022? She couldn't give me a clear answer. As of now, this issue has cost me a total of {$190.00}. And I would like my money refunded to me asap and for them to fix the system that's supposed to notify members of the activity on their accounts. I received one notification after the fact and never received any other notifications about the other transactions I didn't approve. The supervisor told me she would be clearing the issue up but, I haven't heard back from her. This is unacceptable for M & T Bank to handle one 's account in this manner when they're entrusting the bank to protect their funds!
Product: Mortgage

Predatory lender " loancare '' continues to send threatening letters regarding HO6 insurance policy, claiming that the said policy has expired. It has not expired. This is an attempt to sell insurance at inflated cost ; cram and scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with transunion. this has been an issue that needs to be fixed asap. please review an remove all data listed. this has caused alot of delays an denials. look over all the information reported an delete all listed data asap.
Product: Debt collection

Zwicker & Associates, P.C. Attorneys at Law are in violation of the Fair Debt Collection Practices Act and are attempting to collect on a fraudulent debt that is not my debt. I did not consent to them having and sharing any of my personal information and I did not consent to them trying to sue me. 15 U.S.C. 1692i. They are trying to coerce me into paying this fraudulent debt.
Product: Debt collection

This company called me today and threatening to take me to court if I did not set up some kind of arrangement with them today. They said the papers where laying on there desk and ready to be sent. I told them that I was not able to work because of health problems and that I have applied for XXXX. I have no money. My wife is the only one working and she is trying to keep us a float. They would not listen to me and ask what bank we used and called the bank and put us on three way and set it up to where money would come out of our savings on Monday. How can money come out of something when you do n't have money in there. I keep on telling them that we needed to wait on my wife because I just have a card to show at the bank when I did work to get my check cashed. I do not have a bank card or anything like that my wife has it all and it is all in her name. He even said that me and my wife can have the argument or fight but it was going to be settled today. I was on the phone with these people for about two hours and they say it was being recorded so lets hear if everything they said to me is on the recording. When I got off the phone with these people my chest was so tight. I do not handle to many of the bills my wife does. I keep on telling these people that I could not hear them good to just wait till my wife got home from work but they would not hear of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX I purchased a dishwasher from Best Buy on XXXX. It was to be delivered XXXX but because of a miscommunication with a third party delivery service it was finally delivered on XXXX, badly dented. I refused it and cancelled the purchase and credit card with Best Buy XXXX. 
The purchase was made by opening a no interest card issued by Citi card. Since I had already been billed, I contacted best buy to make sure the purchase and card were cancelled. A fellow named XXXX with the XXXX XXXX assured me that everything was closed. Then I started receiving phone calls from Citi card requesting payment, and that I as accruing late payments on a {$200.00} debt. 
When I contacted Best buy to figure out if a had this debt I was referred to Citi card, and was told that they couldn't find my account and to contact Best buy. A lady named XXXX ( XXXX XXXX member ) finally figured out by listening that I was being scammed and didn't owe anything and the account was closed. 
The scammer calls and asks the same questions that Best buy customer service members ask, except that they push to get the first XXXX digits of your credit card, not the last XXXX. The accent of calls are foreign sounding and callers are male and female.
Product: Credit reporting or other personal consumer reports

EXPERIAN, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account
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 confidentially under 15 USC 1681. Under Section 605 ( b ) of the FCRA ( 15 U.S.C. 1681c ), information that is incorrect or misleading must be corrected or removed upon investigation. Below is the following. 
Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX Account number : XXXX I looked at my Experian credit report and noticed some things are incomplete and not accurate. According to the fair credit consumer 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 according to 15 USC ( e ) ( b ).

According to 15 USC 1681i5 they are suppose to do this ( 5 ) treatments of inaccurate or unverifiable information ( A ) In general after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer agency shall- ( i ) promptly delete that item information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to not furnish any information relation to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, i contacted XXXX XXXX. regarding there ability to not update XXXX  about the debt that is not belonging to me. I spoke to XXXX a Representative, then spoke to Supervisor by XXXX, in which she in formed me they had removed this debt and sent info to the credit reporting agencies. On XX/XX/XXXX i called back and spoke to a rep XXXX, and let her know i never received the letter in the mail, the letter they were supposed to send to me regarding the removal, XXXX on my credit reports. on XX/XX/XXXX i faxed over a copy of a police report # XXXX, regarding my identity theft, along with a letter requesting removal and a copy of my security card to XXXX at XXXX from XXXX XXXX at XXXX from fax # XXXX store tel. # XXXX Ser # XXXX. this is the conformation that the faxed had been received. This Creditor along with as follows : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. has not been properly removed or updated wtih XXXX or expirain but had been updated and removed as of XX/XX/XXXX with XXXX credit bureau. on XX/XX/XXXX i spoke to Deputy XXXX XXXX ( XXXX ) XXXX ext XXXX with the XXXX Ohio Sheriff Department whom was present when a call was placed on speaker with XXXX, in which the representative, XXXX stated they will remove from report and send letter to support actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from XXXX  of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.