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

I have submitted multiple disputes, letters, and complaints. I have requested that inquiries, names and addresses be investigated. I am aware of my responsibilities to reach out to companies, which I have multiple times, but as a reporting agency it is your responsibility to report accurate information. My identity has been, and might still be at risk. Please complete an investigation into these concerning errors, and by not doing so you are in violation of my rights, according to FTC. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

" The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( Experian, XXXX XXXX, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a. ''
Product: Credit card or prepaid card

I am XXXX XXXX, natural person and consumer on XXXX XX/XX/2021 I submitted a remittance payment to my credit card account in the amount of {$21000.00} I sent my payment certified mail to insure timely processing and Capital One still has not credited my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit bureau XXXX, Experian and/or XXXX ) credit report, according to FCRA ( 1970 ) 15 USC 1681 and CFPB. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiry/inquiries that I did not authorize. You're authorized to report anything I haven't given written and expressed consent to. If you can't prove I made this inquiry knowingly, willingly of my own will you must remove it as such.

I writing to dispute the following inquiries and asking for their removal from my credit report.

Item No. Creditor Account Please have these/this unapproved inquiries/inquiry removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a current and corrected copy of my credit report once this issue is resolved.

Thank you in advance for your swift, expedited assistance with this matter. 
Inquiry details XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank   XXXX/XXXX  Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance  XXXX  XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX   XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX   Inquiry from XX/XX/XXXX Bank XXXXXXXX Inquiry from XX/XX/XXXX Real Estate/Public Accommodations XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX  XXXX Inquiry from XX/XX/XXXX XXXX. 
XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX   Inquiry from XX/XX/XXXX Credit Union XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX Bank Checkngo/XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX National Credit Cards/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX. XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. XXXX XXXX credit card opened XX/XX/XXXX amount XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX or XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX amount XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXXXX/XX/XXXX amount XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXX XX/XX/XXXX amount XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XXXX, I called Equifax. My name is XXXX XXXX. They have me linked to someone else named XXXX XXXX. I just opened my own bank account and am XXXX years old, but there are hard inquiries I've never made linked to my credit report under XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested verification under FCRA laws from the creditors that reported an inquiry on my credit report and they have not responded in the 30 days. I also contacted the credit bureaus a Month prior and they would not take the inquiries in which I do not recognize off my report so I sent certified mail to the creditors to verify in which I have the receipts and tracking information.
Product: Credit card

Bank of America has just cancelled my credit card. I received no notice whatsoever and they will not give details to why other than it being a " business decision ''. My account had close to XXXX reward points that I have been accumulating for years and was counting on which will now be lost. I had an {$80000.00} credit line spending approximately XXXX monthly. I have spent over XXXX dollars over the last 11 years with them. I have never been late and always pay my bill in full. I have an excellent credit rating. There is no recourse nor contact to discuss this. It will eventually hit my credit report. Please help me.
Product: Student loan

Starting in XX/XX/2023 when federal student loan payments resumed, MOHELA debited my account an extra {$250.00} which I did not authorize. They did the same in XX/XX/2023. When I called, they had no explanation. 
In XXXX, they put my account into forbearance despite my explicit instructions not to do that. They did so because they considered the extra money that they debited an " overpayment. '' But I needed to make a payment to get XXXX credit and now I am not eligible for that month. 
I subsequently called MOHELA several times. I waited on hold for a total of over XXXX hours. Eventually I was promised a refund and it never happened. They never had any explanation for why they took my money without asking.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA! 

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( XXXX ). 

Listed below are the Accounts that are being challenged : XXXX Original Creditor : XXXX XXXX XXXX - XXXXXXXX XXXX  - XXXX XXXX XXXX  Original Creditor : 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

Tried to check on the freeze status for the XXXX agencies. XXXX I established all report " invalid credentials '' or " Call this number to speak to an agent. '' Tried XXXX phone authentication and got through including validation code sent to my phone and it reported unable to authenticate. Waited for an agent on phone for XXXX minutes and gave up. Thanx for your followup.
Product: Mortgage

I applied for a modification and was recently denied due   to Ditech stating that I dont fit MY Investors guidelines. This is outrageous!! I searched my Investors website to see what programs the Servicer Ditech has reviewed me for under my Investors available programs to their borrowers and was shocked to see that they completely the denial reason to deny.
For one the streamline modification is only granted once so why they would review me for that program does n't make sense as I even I already know the answer to that decision just by knowing I already had a streamline offered to me by my Investor.
Secondly, the program   XXXX   XXXX   Capitalize and Extend Modification '' if Ditech actually read the guidelines since they are only a Servicer and should be in compliance with my Investors rules and guidelines they would of known that the denial reason of more th  an 6 months delinquent is a false denial.   The following is from  XXXX   XXXX  handbook for this program : The mortgage loan must be at least 60 days delinquent but less than 360 days delinquent upon completion of the disaster related forbearance plan.     I was denied stating that I was more than 6 months delinquent ; as you can see you clearly have no clue of  my Investors guideline s. In addition to you inaccurate denial my lender also has a FLEX program that I dont see I was reviewed for, I want to know why.
Product: Credit reporting or other personal consumer reports

FREEDOM MORTGAGE CORP fraudulently used my nonpublic personal financial information by disclosing said private information information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). FREEDOM MORTGAGE CORP is depriving my of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In addition to my last complaint, LendClub Corp is now reporting me 90-days late & 120 days late for the same month ( XX/XX/2020 ). Please see the attachment for more details. This caused my credit score to drop even more while I am trying to resolve matters with them. LendingClub is making things worse instead of rectifying their mistake. Please escalate this and delete or fix this account on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXXXXXX XXXX Account # : XXXX XXXX XXXXAccount # : XXXX XXXX XXXX XXXX. Account # : XXXX XXXX XXXX XXXX XXXX. Account # : XXXX XXXX Account # : XXXX XXXX  Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX. Account # : XXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my Experian credit report : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX And XXXX Account Number : XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX, XXXX Account Name : XXXXXXXX XXXXXXXX XXXX Account Number : XXXX Disputed Issue : [ e.g., incorrect late payment, inaccurate balance, unverifiable account ] Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
Potential Improper Reinsertion of Inaccurate Information : I am concerned tha

t Experian may have improperly reinserted information I previously disputed and believed to be corrected. Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information. 
FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 

Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings. 
Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately. 
Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher. 
Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA.
Product: Mortgage

I own a house located within PNC 's footprint and I had a mortgage on that house with XXXX XXXX  for two years. On XX/XX/2023, the mortgage was sold to PNC. 

MY WIFE AND I started the process of setting up an online account so we are able to automate our monthly payments so they are always paid ON TIME. After entering our user id and password, we WERE prompted to review the terms and conditions ( a legal document ) AND TO check the box IF WE accept these TERMS.

When I downloaded the legal document to review, I discovered it IS AN ASTOUNDING 59 pages. Not only is this onerous on a consumer to have to read, there is no opportunity to request any changes to the document - - so if we check the box, we are bound to the terms and conditions whether we agree with them or not.

On top of the document being 59 pages, the website limits the amount of time you have to review the document prior to accepting the terms. I am not able to complete reading a legal document of 59 pages within the time frame provided and feel like it doesn't matter, I have to accept the terms or I can't use the online services.

I feel PNC is taking advantage of consumers since they know MOST PEOPLE CAN NOT PRINT OUT 59 PAGES AT HOME AND/OR no one will read the document in full, will get frustrated and so as not to have to keep coming back to register for the service, they will just click the button and be done with it.

I am sending this prior to reading the full 59 pages so I can't say if there would be terms and conditions I would find unacceptable.

I BELIEVE THIS IS YET ANOTHER EXAMPLE OF HOW BANKS AND OTHER BIG COMPANIES ARE TRYING TO COVER THEMSELVES BY SAYING " I TOLD YOU SO, WE DISCLOSED IT '' - IS THAT REALLY WHAT THE PUBLIC NEEDS - SHORTER, MORE CLEAN AND DIRECT PLAIN LANGUAGE ABOUT TERMS AND CONDITIONS WOULD PROTECT CONSUMERS - THIS IS ONLY PROTECTING THE BANK HELP- I DO NOT WANT TO CONSENT TO SOMETHING THAT COULD REALLY HURT ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response XXXX XX/XX/XXXX that you need my updated email address which is ( XXXX. ) I sent a complaint on XX/XX/XXXX to remove Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA and Account : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint. I am including it again.
Product: Credit card or prepaid card

This is the second dispute with the company I recently called Fortiva Inc. and they are still giving me trouble with my dispute. 

XX/XX/ a bill payment was made to Fortiva by XXXX bank as stated in the previous dispute. XX/XX/ the check was cashed and on XX/XX/ the payment was due. Fortiva calmed they never received the payment XXXX bank has sent me proof that the check was cashed by Fortiva and I sent a copy of the check to Fortive on XXXX XXXX XXXX and they have yet to respond its been XXXX  days total. I called today XX/XX/ and I am still getting the run around I would like some help with this matter.