23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Good morning, for the month of XXXX the PMI was taken out 3 times, on the XXXX and twice on the XXXX. Is there a reason for this? Please get back to me as soon as you can, Thank you ( this is the email I sent 2 weeks ago XX/XX/22 ) I have been calling and leaving voicemails and no one is responding to me about this problem. My concern is every time they do my escrow analysis they say I have a shortage but my wife and I are very good with making sure enough money is in there to cover the insurance, property taxes, and the once a month PMI ( we even put in extra every month to avoid this and right now it feels like its impossible ). I feel like this company is stealing from us and we just want to be able to pay our bills and remain in our home without wondering every month why this extra money is being pulled from our escrow account without any communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim, I had an account with XXXX XXXX deleted from my credit report in late XXXX, early XXXX. I recently discovered that the account has been added back to my credit report. In accordance with the requirements of the FCRA Transunion was supposed to notify me within 5 business days of reinsterting the account, but failed to do so. I demand the immediate removal of the account from my credit report.
Product: Bank account or service

I made contract with PNC Bank. I opened business account and contracted credit card merchant service on XXXX 2015. XXXX, who is a sales agent, promised me that I will get total of {$600.00} for opening & activation. From my {$600.00} money credit, she took {$400.00} for credit card merchant service activation fee. Therefore, she said I should get {$150.00} in cash & {$250.00} in my business bank account. However, money never came to me. I contacted main PNC merchant service center & the money back requested never been made since I opened the account. She is ignoring my text message, phone calling since last year of XXXX. She never shows up on any of PNC Bank in XXXX XXXX Georgia.
Product: Debt collection

I check my credit report on XX/XX/XXXX and it showed I owed an apartment complex, that I never resided in, a debt. So I reached out to the company and they stated it was from XXXX, Ive lived in my house since XXXX, so there was no way possible this debt was owed. So XXXX XXXX, stated that she was not taken it off unless its paid. At that point Im like its only {$100.00} Im not about to argue about this just take the payment and I will deal with this some other time. She also stated she would send the letter for me to send to the bureaus for them to take it off and have failed to do so. I called back and spoke with XXXX XXXX, who is the most despicable and disgusting employee of this company. She doesnt let you get your statement in on why you called she just interrupts, loud talks you, and laughs and thinks its funny. Ok, I didnt get ugly with her back I said to myself, its more than XXXX way to skin a cat. Payback! Handle it legally!
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your XXXX of XXXX. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX  XXXX, XXXX ( XXXX  XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

I refinanced this loan XX/XX/year> through XXXXXXXX XXXX This was done remotely with a notary public, who took my paper work. I was told/advised by her at the time of signing that my first loan payment would be due XX/XX/year>. I was also told that no credit reporting would take place for at least 60 days. 
On XX/XX/year>, I went out on sXXXX XXXX XXXX XXXX with my employer and spent XXXX months out of work. 
I made a mortgage payment in XXXX but wasinformed that the first payment was actually due XXXX and i would still be considered late until i made TWO payments at the same time, which was not possible XXXX XXXX XXXX XXXX 
At that point, i was advised by XXXX to apply for forbearance or temporary hardship-i, filled out all paperwork and supporting documentation and had to wait for approval. I was told i would NOT BE REPORTED LATE during this process, and I followed up and stayed in touch constantly. 
When the modification was approved, I now have payments set up and i thought all was well. 
lin the meantime, i was transitioning to XXXX XXXX XXXXXXXX temporarily, however XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so i am currently APPLYNG FOR JOB POSITIONS that REQUIRE CREDIT REPORTS to be pulled. 
I called to discuss this with XXXX and was advised to fill out this form. Please, Please help me by removing the late reporting! | am all set up for my payments and supposedly in good standing during this time, and I was told there would be no late reporting as long as i kept in touch and followed the loss mitigation process!! 
I will never be able to find employment making the same amount of income as i have been without a credit record that shows payments on time, which i have had up until now. Please help me keep the house by removing the derogatory reporting while I am making the payments as required.
Product: Checking or savings account

Lending Club is giving us the run-around! I have twice written, telling them to please deal with my daughter, regarding the closure of my wife, XXXX 's account ( she died in XXXX ). 
Also, I have also been on 3 phone calls where they did not resolve the issues, nor did they ask for additional materials ( if they needed them to do so ). I am fed up.

My daughter wrote to this particular agency last week to file a complaint, and the company responded by saying they would follow up with me. Well, that is why she complained! They are NOT following up with me!

They now have identification, death certificate, more than one letter of instruction, and a copy of the POA for my daughter. WE have sent some items multiple times. 
And they still have my money! 
We have had no rmeaningful correspondence form them in more than a month. 
Please help.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, I have the right to ensure that XXXX and XXXX, as consumer reporting agencies, handle my private information fairly and with respect for my privacy. The law, specifically 15 USC 6801, states that financial institutions, including those furnishing information to credit agencies, must have an ongoing obligation to respect customer privacy.

I emphasize that these agencies and the financial institution ( Furnisher of information to credit agencies ) lack my consent to furnish, my information, as stated in 15 USC 1681 section 604 ( a ) ( 2 ). Moreover, they did not inform me of my right to exercise my nondisclosure o
ption, a requirement under 15 USC 6802 ( b ) ( c ). 

I argue that XXXX and XXXX are violating the law by reporting adverse information without my permission, as outlined in 15 USC 1681C ( a ) ( 5 ). Additionally, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) prohibits furnishing inaccurate information to consumer reporting agencies, and 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations.

Pointing to 12 CFR 1016.7, I highlight my right to opt out of their reporting services at any time. In summary, I assert that these entities are not adhering to various legal provisions designed to protect consumer rights regarding privacy and information accuracy.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$320.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or thatI have signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$790.00} ; XXXX Balance : {$28.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$310.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$320.00} ; XXXXXXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$57.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. XXXX/XXXX  is reporting {$21000.00} and Equifax is reporting {$4600.00}. if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below
Product: Credit card or prepaid card

In XX/XX/XXXX I received an AARP Chase credit card with rewards. I have periodically redeemed the rewards to the monthly payment. On XX/XX/XXXX with a minimum due of {$78.00}, the reward of {$84.00} was redeemed and posted to my card account. Then a {$35.00} late fee was posted. I called customer service and spoke to XXXX who adamantly told me " Rewards can not be used for a minimum payment. '' The 5-fold brochure I originally received with my new card, dated XX/XX/XXXX, advised that rewards may be used for merchandise, AARP membership renewal, travel, gift card and cash ( as checking account deposit or to be applied to the statement ). I have not received any other redemption terms since the one in XX/XX/XXXX.
Product: Checking or savings account

I filed a dispute through Wells Fargo, they closed the case. I escalated the case and an executive reviewed the information and closed the case again. 

I wasnt going to escalate this a third time, but I have just received the documents that I requested nearly a month ago and despite several recordings of me stating that the problem wasnt that I never received the product, it was that they were withholding a refund for a product that was no longer functional.

The teller who originally helped me input the wrong chargeback code and no one properly addressed this. The proof that the merchant provided is not sufficient. I feel like everyone involved has been failing to advocate for me by choosing lazy solutions, and Im suffering for it by losing my money to a merchant who did not have to provide a working service to me.
Product: Checking or savings account

OPEND TD BANK signature savings account on XX/XX/2023 with promotional {$200.00} bonus when funded with atleast {$10000.00} minimum over 60 days. 

Successfully completed and followed up after 90 days in Branch for payout, was advised that payout would take 6 months. 

Waited 6 months XX/XX/2023 and called customer service and escalated in Branch that {$200.00} bonus still not recieved. 

Customer service acknowledged all requirements met and would escalate for payout. ( heard this before ) Still no payout
Product: Debt collection

This company is engaging in the illegal practice of DEBT PARKING. I was never notified of this debt and I have not lived in Texas for over 7 years. This is a junk debt buyer and they have not provided validation of the debt to me. They also continue to illegally validate the debt to the credit bureaus and this has detrimentally affected my credit scores. They are violating the Fair Debt Collection Practices as I was never notified of this fraudulent debt in writing before placing on my credit file. I could not dispute the validity of the debt within 30 days. I had no medical debt when Ieft Texas XXXX and XXXX years ago and I was not notified of any purported debt during my residency there. I called and the customer service representative threatened me over the phone if I did not pay them the {$120.00}, which I do not owe. They refused to send me evidence of this fraudulent debt. I have disputed this with the credit bureau and this company continues to validate the debt with them. No one will send any paperwork to me about this debt.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA 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 or other personal consumer reports

upon checking my credit report I realized I had damages on there. And according to the 15 U.S.C 1681 law there should not be any damages on my report its a defamation to my character.

This company is reporting fraudulent inaccurate information on my credit report I have requested that they provide the agreement to show full ownership of such account and also other documents so that I may review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

XXXX is collecting behalf of XXXX. However, the XXXX account in question was a business account under an LLC. The service agreement attached names the LLC as the customer ; not myself. The bills ( also attached ) names the LLC. I was the manager on the account and NEVER once gave my personal SSN to XXXX 

The service agreement has LLC as the Customer and the bills also reflect that same account number. XXXX  requests an account manager which is what I was, which is why my name is on the bills ( not the service agreement ). The LLC was closed and the XXXX was also closed. 

This remaining balance, XXXX  claims, is inaccurate nor is it my PERSONAL responsibility to pay. XXXX has not put this " collection '' on all three of the credit reports which is wrong. I have disputed this three times with each bureau and no additional information was provided by XXXX. XXXX also never attended to reach out to me prior to putting this on my credit reports. 

Furthermore, these predatory and illegal practices is unacceptable. I don't know how XXXX or this collection agency got my SSN information when I never provided it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, we closed our accounts with XXXX XXXX XXXX XXXX which included a car loan and a secured credit card. XXXX has consistently reported inaccurate information on our credit reports which we closed XX/XX/XXXX, as well as included in our Bankruptcy plan which XXXX didn't file a proof of claim on. Since XX/XX/XXXX, XXXX has manipulated our credit reports by " re-aging " debt on closed accounts, showing credit card usage on closed accounts consistently reporting this since XXXX, reporting us XXXX/XXXX days late on closed accounts and ignoring our request for a cease and desist from such misconduct. 

We requested in XX/XX/XXXX via certified mail ( # XXXX ) received XXXX, XXXX  refrain from such misconduct, advising of the FDCPA and FCRA violations. ( can not upload letter ) We contend XXXX violated. Apparently our request fell on deaf ears, and XXXX is above the law and can subject us to credit defamation at their will and leisure,
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XXXX my report was completed I disputed the negative incorrect inconsistencies item with XXXX XXXX XXXX as of XX/XX/2021 the amount an dates on this item is incorrect at the above date.
Product: Credit card or prepaid card

On XX/XX/2022 I purchased a firearm in the amount of {$880.00} from XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX, XXXX, WA XXXX using my Citi Bank XXXX. In the XXXX of Washington, no one EVER walks out with the XXXX they have just purchased. There is a waiting period where a background check is performed, and generally, you have an answer anywhere from XXXX XXXX weeks if you pass. Unfortunately, while I had just been approved for a conceal carry permit, there was a weird mistake with the background check that required the services of an attorney to resolve. I was unable to take possession of the item within the time frame delineated by the merchant. The merchant refused to refund my money and I filed a dispute for the charge on or about XX/XX/2022. 
The credit card company apparently did not rule in my favor on the dispute as the merchant provided proof that I signed for the swipe by providing a signature, an issue that is not in dispute. What is in dispute is that the merchant failed to deliver the item to my possession and failed to refund the purchase price. 
On or about XX/XX/2022 I filed an appeal of the dispute. The credit card company failed to furnish me with a ruling on their dispute and I was surprised to find out that they had found in favor of the merchant. They apparently adjudicated on the appeal on XX/XX/2022 with the reasoning that it was not filed within a certain time frame. I re-contacted the credit card company on XX/XX/2022 and was also informed that the merchant apparently lied to the credit card company and told them that I had taken possession of the item on the date of the swipe. On XX/XX/XXXX, I re-appealed the decision and provided the credit card company with a copy of Washington XXXX XXXX about the purchase of firearms, proving that it is impossible to take possession of a firearm in the State of Washington on the day it is purchased, therefore proving that the merchant lied. 

To date, I have not received the charge back from the credit card company or refund from the merchant.
Product: Prepaid card

I activated and then tried to use my Amex XXXX Card at : XXXX to pay for products XXXX to buy a XXXX  card XXXX restaurants to buy XXXX cards XXXX restaurants to oay for food ( XXXX ) XXXX bars to pay for drinks ( XXXX ) Link to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX retailers I called Amex twice to report the problem. I checked it was activated and then tried it again at XXXX, XXXX and many XXXX stores and at restaurants and bars. It still does not work anywhere I have tried ( more than XXXX sites, bars and restaurants. 

I can not even check the balance of the card on the Amex site after XXXX  attempts.