23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

While renting a car for 6 weeks, I was hit twice and filed two separate loss incidents with XXXX, where I rented the car. Claim # 1, the driver who hit me acknowledged that they were at fault and stated that they would like to pay cash to fix the scratches on the BACK of the bumper. Claim # 2 I was hit, but the other driver claimed she had yielded, so each of our insurances determined we would each be responsible for our own cars. The damage for claim # 2 was on the XXXX of the bumper because the other driver had merged into my lane. I am willing to pay for the damage to the side bumper. However, XXXX sent me an invoice for all the damage, and included the damage to the BACK of the bumper which should be billed to the driver for claim # 1. I have sent several emails to XXXX XXXX who is handling my claim, but he has not responded to me. I spoke to him and he said I'm not being billed for the other damage, even though the invoice shows the back bumper damage to repair. I have asked for documentation on claim # 1 so that I can understand how they are separating the claims. After several weeks I received an email stating that they would be dividing the two claims, collect the damages from claim # 1 from the third party, and send me an updated bill, however, I have now received a letter from a collections agency, Transworld Systems Inc. ( TSI ) for the full amount of both claims. I have now mailed a certified letter to XXXX and TSI requesting again that the claims be separated and billed appropriately and that documentation of such is provided to me. I eagerly await their response.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$39000.00} 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

A company that I've never done business with is reporting a debt on my credit report. FFC Finance LLC is reporting to XXXX. It shows XXXX different dates and amounts. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Amounts of {$11000.00}, {$16000.00}, and {$12000.00} This isn't showing on my normal credit report. I only became aware of it when I applied for a mortgage. I called XXXX to dispute it on XXXX different occasions. I received no resolution of the first dispute. The second dispute is still open.
Product: Mortgage

My chief complaint is Pentagon Federal Credit Union is in breach of contract for changing their policy on the criteria for removing Private Mortgage Insurance ( PMI ) that was explicitly agreed to at the time of closing on the loan. The Credit Union is changing the terms of the agreement for removing PMI in its favor now that I am finally eligible to remove PMI. 

At closing Pentagon Federal Credit Union provided a document titled ( enclosed ) : " WHAT YOU NEED TO KNOW ABOUT OUR SERVICING OF YOUR MORTGAGE '' In this document, the following policy was stipulated for removing PMI : " PRIVATE MORTGAGE INSURANCE Private Mortgage Insurance ( PMI ) protects PenFed against the risk of loss should a mortgage loan default. PMI is required when the outstanding principal balance of the loan is greater than 80 % of the value of the property securing the loan. The homeowners Protection Act XXXX requires PenFed to provide certain disclosures and notices. The PMI Act requires PenFed to Automatically terminate PMI when the loan to value is scheduled to reach 78 % of the property 's original value, as long as the loan is current. The PMI Act also allows you the option to request PMI be cancelled when the loan value reaches 80 % provided you have a good payment history and the property value has not declined. PMI can also be cancelled after XXXX month if the loan to value reaches 80 % of the " current value. '' In order to cancel PMI based on " current value '' a new appraisal is required. The expense of the appraisal is the borrower 's responsibility. '' ADDITIONAL FACTS : On XXXX XXXX, XXXX, I purchased my primary residence with PenFed as the lender ( enclosed ). 

On XXXX XXXX, XXXX, I sent an email to Pentagon Federal Credit Union to request an appraisal on my primary residence for the purposes of removing PMI from my exiting mortgage ( enclosed ). 

On XXXX XXXX, XXXX, the Pen Fed representative sent a reply email, indicating a 75 % loan to value was required to remove PMI instead of the 80 % agreed to at the time of closing ( enclosed ). 

My Primary Residence : Original Value = {$270000.00} ( enclosed ) Appraised Value on XXXX/XXXX/XXXX = {$330000.00} ( enclosed ) PenFed was the original lender. No refinances were done. A conventional loan was used. This was not a higher risk of default loan. I never received a new Policy from PendFed regarding changes to removing PMI.
Product: Credit card

My Citi minimum payment has been in the {$100.00} to {$150.00} range per month. I currently have a high balance on card so i have been making minimum payments. For the period of XXXX I made a payment of {$150.00} as I have been doing for many months, only to find that Citi had unilaterally increase my minimum payment due to over {$1200.00} ( about 50 % of my balance due. At no point did they communicate this increase or an explanation to me, not through mail, not through phone calls or messages, not even an alert on their website. I have requested a justification for this as well as a humble request to reduce my monthly payment as i can not currently afford over a XXXX dollars in minimum monthly payments. Thus far I have received no explanation from Citi, no assistance in reducing my monthly premium, and no attempt to respond to my good faith attempts to resolve this. At this point, Citi is charging me late fees for not paying my " minimums '' ( again, near50 % of my total card balance ) and are now threatening to report me as delinquent to Credit bureaus despite my multiple good faith attempts to contact them to indicate that is is not an unwillingness to pay my debt, but rather that I can not make that exorbitant and inflated minimum payment at this time. They have treated me with nothing but contempt.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX 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: Credit reporting or other personal consumer reports

I am writing this letter with a sense of desperation and anger that anyone in my situation would understandably feel. I have provided concrete evidence in the form of an FTC, so I am utterly dismayed by your bureau 's unexpected and unjust denial of my identity theft claims. I was the victim, and I am baffled as to why the credit reporting agency is not adhering to the law, especially when the other bureaus have done so. I am particularly confused as to why this particular bureau seems to be ignoring my requests. 

Let 's be clear : your decision to dismiss my legitimate claims is not only infuriating but also a grave injustice. I have suffered greatly from identity theft, and the impact on my life, financial stability, and emotional well-being has been immeasurable. 

I demand that you immediately correct this injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not just a failure of duty especially when the bank has already approved of removing the account from my file, but a disregard for the suffering I have endured. 

Regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I previously filed a complaint regarding this matter. The party described responded and said that they would instruct their employees to cease and desist. They have reneged on that statement. They today called both myself and my wife claiming that they are seeking to deliver legal documents. This debt collector needs to be held accountable with the full force of the law. 
Please see below the text of my prior complaint. 

Southwest Recovery systems has repeatedly contacted me and harassed me over a debt that they say I owe and one that I have disputed for years. The client that they bought this debt from deceived me with regard to a website building offer and I canceled after learning of their deceit. Southwest has contacted me on at 12 different occasions and has attempted to bully me and harass me into paying a debt that I disagree with. They have never delivered proof of the original debt or amount. Today - XX/XX/2018 @ approximately XXXX they called my phone and attempted to get me to provide my date of birth, social etc over the phone. After i informed them that I have repeatedly asked them to stop calling they stated that they would just call again. Minutes after my wife called me to conference me in for someone calling her to ask for me. The same agent of Southwest was on the call and began berating me for hanging up on her earlier and smugly said she would call my wifes phone again. This company is very well known to practice harassing and threatening behavior and must be forced to stop or suffer financially for their actions.
Product: Vehicle loan or lease

me and my spouse are due to make last payment on our used car loan through Capital one, we set up automatic payment with our bank, and now they have sent a letter stating we missed our last payment, we have automatic payment set up with Capital one and yet due to internal errors within their auto-financing department they are causing our payment and our credit to be negatively be impacted by this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two XXXX XXXXXXXX bank cards open in my name that I didnt do they were made by an identity theft I reported it to them to all three bureaus which they took fifteen days to say the illegal verified three times and they not removing the illegal accounts. Then XXXX reported to my 3 credit bureaus that I had an account that I didnt open and then when I disputed it they put a second account there. XXXX wont remove anything from account even when I showed them that both XXXX and equifax took it off. Then XXXX XXXX have an account listed on there that I didnt open someone had robbed me of my wallet and opened a bank account in my name and overdrawn it. Im tired of being penalized for what I didnt do. Please help me resolve these issues Im homeless sleeping in a car because of the reporting agencies and fraudulent accounta
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXA XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account doesn't belong to me I dispute it with the company
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX TransUnion Committed IDENTITY THEFT BY furnishing a consumer report without my authorization, consent nor did I benefit from the consumer report being furnished named " XXXX XXXX '' ACCOUNT NUMBER : XXXX which according to the FCRA they didn't have permissible purposes to furnish that report which my written instructions is needed to furnish that report. TransUnion also furnished consumer reports on XX/XX/XXXX, and XX/XX/XXXX accounts named " XXXX XXXX XXXX XXXX', AND XXXX XXXX XXXX XXXX XXXX without my authorization and or consent neither did they have my written instructions. TransUnion is now civilly liable pursuant to 15 USC 1681n for the furnishing of all consumer reports known as accounts without consent. On XX/XX/XXXX I sent a notice of FCRA violations certified mail receipt number : XXXX XXXX XXXX XXXX XXXX to TransUnion Consumer solutions of the Said violations of the FCRA with a 1 page copy of the law stating the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a confirmed fraud case on my credit account with XXXX XXXX XXXX. I have submitted a claim previously with all three credit bureaus. XXXX  has removed all inquires that were due to fraud as well as placed a fraud alert on my account. I have multiple credit inquires that are on my credit with the other bureaus that were not authorized by me. Please delete the inquires and place a fraud alert. The XXXX XXXX XXXX XXXX and XXXX  were authorized by me.
Product: Checking or savings account

I have been a customer with associated bank now for the fifth year I worked my hours with an employee and I cant get my direct deposit I called numerous times yesterday they didnt help me I even contact there corporate office and they directed me to a line I already called five times yesterday I cant feed my child as thats all I depend on my direct deposit I just want my monies the employee already showed proof of payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I tried to get my free credit report online from Equifax via the Annual Credit Report website. I answered all questions and then was presented with a webpage telling me I could not access my report online. I thought perhaps that I had requested it less than a year from the previous request. I subsequently requested and received my report by mail. The same problem was repeated this year around XX/XX/XXXX. After following the directions, I was again presented with the webpage saying I could not access the report online. I tried again several times since then including today ( XX/XX/XXXX ) with the same results. Sometimes I would be asked security questions and sometimes there would be no questions before telling me I could not access the report online. I made several phone calls to Equifax customer service including a supervisor. I explained the situation telling them I wanted online access. I asked them for help to do that. Each time I was told that Equifax was unable to help me since the website is on a " government computer ''. The Supervisor told me there may be a problem with my file and that I should call the dispute department. I called the dispute department today and was also told that the website was on a " government computer '' which meant they could not help. No one ever made any attempt to help me figure out the solution to my problem. Everyone was adamant that Equifax could not help me. The dispute department suggested that I do a web search to find out what agency in the government could fix my problem. I was able to find the CFPB so I could file this complaint against Equifax. I would like to receive my credit report online but have no idea what I am doing wrong or if there is some other issue keeping me from having access. I should note that I made every attempt to ensure my answers to the security questions were correct. I never was told that any answer was incorrect.
Product: Vehicle loan or lease

After my account was completed paid off, Lobel financial FLAGGED my account as a charge off to credit bureaus. This caused my score to decrease by XXXX points with all credit bureaus. There was nothing that I could have done better to avoid this as the account was always paid on time and completely paid off early. When I called Lobel Financial about this error they made, I was given a general explanation of why a charge off would occur. I was spoken to as if I never paid my account. After much more explaining to get someone from Lobel to actually understand my issue, the issue was blamed on credit Bureaus even though it is Lobel Financial that flagged my account and marked it as a charge off after the loan was paid off. This error they made caused my credit to plummet with all credit bureaus.
Product: Credit reporting

What is this XXXX? Experian XXXX did n't even try to verify my identity online on this site XXXX XXXX XXXX. They just automatically told me I had to request by mail? XXXX verified my identity, and gave me my report online immediately! They did n't ask me any questions or do any of the other things required of them! I can access my credit reports from other online websites no problem, and did yesterday but not from this site XXXX. It 's complete XXXX! They already have my info. XXXX gave me access to my free credit report instantly online on this site XXXX. 
Every other company under the sun can access my stuff but they block me from accessing it, unless it 's on a pay site! It 's not just me either. I know other people with the same dam problem. They are just turning this site XXXX into a scam to drive people to their pay sites! 

We 're sorry, for your protection we are unable to deliver an Experian Free Annual Credit Report over the Internet. 


We were unable to honor your request. If you entered your credit card information, we did not charge you. 
Sending us your informationTo receive your personal credit report by mail, please mail us this letter XXXX or the information in it XXXX, along with onecopy of a government issued identification card, such as a driver 's license, state ID card, etc., and XXXX copy of autility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and currentmailing address, and the date of issue XXXX statement dates must be recent ). We are unable to accept credit cardstatements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders asproof. To protect your personal identification information, Experian does not return correspondence sent to us. 
Send copies of any documents you wish to provide to us and always retain your original documents. 
If you are purchasing your credit report, enclose your check or money order for {$13.00}. 
If you wish to purchase your XXXX XXXX XXXX XXXX report provided by Experian, enclose your check or money order for {$8.00} XXXX includes state sales tax where applicable ). XXXX is owned by XXXX XXXX, XXXX. 
Mail this form, along with payment ( if applicable ) to : ExperianXXXX XXXX XXXX, TX XXXX [ ] Check here for overnight delivery and include anadditional {$20.00} overnight processing fee. [ ] Check here to authorize delivery of overnightpackage without obtaining signature.
Product: Credit reporting or other personal consumer reports

I went to go look At a car, and as we were going through the process both me and XXXX other employees at XXXX XXXX XXXX had come to the conclusion that I did not want to send the report out to a banking company. I left the facility and XXXX days later. I randomly got a call saying that they had adjusted the price by {$600.00} and got me To where they I wanted my payment. I told them I did not want them running my credit and all they had to say was it should fall off in a month and that a XXXX credit pull will not affect my credit.that is false information, it does affect my credit. There have been other calls back to me as well saying they would help me and look into it and now no one has called me back. I am highly disgusted with the way this establishment claimed to be working for me and pulled the whole salesman talk about how they care not only about my purchase but my future and credit. The finance manager XXXX XXXX mentioned multiple times how that was the case, which is why we came to the conclusion together at the end before we sent anything officially to banks in order to get hard numbers. I told them I didnt feel confident in the way they were talking etc. which is why I ultimately walked. This is the short story version and will gladly explain it all, once again like I said I am highly disgusted with this company. Not only their service, but their attitudes and sales approach comes off as not only selfish but unethical.
Product: Money transfer, virtual currency, or money service

I have been using XXXX through PNC for many years now and recently was permanently banned for something that was really not in my control. On XX/XX/year> I had 3 transactions sent to an email that resulted in my account being locked. They were for {$150.00}, {$50.00}, and {$50.00}. After the third transaction my bank account was basically out of money and then my XXXX was locked. I ended up starting a fraudulent case, that was denied so I tried to figure out what happened myself. I called PNC XXXX department to figure out why my XXXX was locked and to solve who the money was sent too. I ended up learning the money was sent by my younger brother, which solved almost everything. However, PNC basically told me it was permanently locked and there was nothing I can do about it. I asked numerous times to different support specialists how the money being sent broke their terms and conditions and each time I got the same exact answer from a representative. I have accepted the fact the money was sent and is gone, but none of the terms and conditions were broken after reading them over again and again. I plan on canceling my bank account through PNC but they have my number completely locked so I can not use XXXX through another institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX, Experian, & XXXX regarding information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & 30 Day demand to comply sent on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( STAfford Group 15 USC 1681 Section 602 A states that I have a right to privacy. >>15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

What would be a fair resolution to this issue?

Delete these accounts immediately unless you want to be held for {$1000.00} per violation.