23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 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, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXXXXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

I called Navient student loans on XX/XX/2023 because they were charging me late fees and none of my payments were late. The total balance was XXXX $ and I have XXXX children and bills and couldn't make such large payments with high interest rates. They said they can enroll me into a program that would help lower my payments, I asked customer service if these payments would go toward the principal balance? and they said yes. I signed up to pay XXXX $ a month a total of XXXX $ within the last six months was paid to them and when I looked at my balance it kept increasing. My account balance went from XXXX $ to XXXX $ I am reporting them for lying about what I had to pay and requesting they leave me and my elderly grandfather alone. My grandfather is a U.S. military veteran suffering from XXXX they have called him harassing him in the past asking for payments and it makes him so stressed and confused that he ends up paying them telephonically and I never saw the difference reflect in my account. I have told them to remove his number and only call me. Navient has put a tremendous amount of stress on me and my grandpa.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX - XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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: Debt collection

I received an email from a company called MSB Municipal Service Bureau out of XXXX Texas when I called the number they said they couldn't provide any information and they were connecting me to a licensed rep in Arizona. 
1. You don't need to be licensed in AZ to collect a debt.

I looked up the company and it says they are a scam every since my Banroptcy was discharged I've been getting emails and phone calls from this company never providing any information about the debt.
Product: Bank account or service

A charge to my debit card for a XXXX in XXXX XXXX was made on XXXX/XXXX/16 ( I live in XXXX and have never been to XXXX ) for {$980.00} and {$41.00}. I immediately called Chase Bank to report the fraud, and they temporarily credited the money back to me. On XXXX XXXX, they reversed the temporary credit because " my card has a chip and the chip ca n't be duplicated ''. I spoke to a supervisor, opened up the investigation again, and received another temporary credit. Now Chase Bank decided to permanently give me back the {$41.00}, but is reversing the temporary credit of {$980.00}. I will call again and try to speak to someone regarding this, but right now " the system is updating ''. I 'm frustrated beyond belief, and I plan on closing my accounts with Chase Bank after I receive the money that was stolen from me.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Also Known As : 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 {$1300.00} XXXX XXXX XXXX XXXX {$4900.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$340.00} 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 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
Product: Mortgage

I had applied to do a refinance via TD Bank of my current mortgage. Throughout the process with TD Bank I experienced so many issues with the quality of service that at the closing I decided to cancel my application and sent them a request to rescind by XX/XX/2020. By XX/XX/2020 they told me that they had accepted my request to rescind. But in XXXX I received a mortgage statement from TD Bank saying that they transferred XXXX dollars out my escrow account into their escrow account and that I was due the first payment. So now I have two mortgages, my current mortgage which was never paid as I cancelled the refinance, and a new mortgage with TD Bank. My credit score has gone down 12 points because of the extended financing out there ( twice as much of what I had before due to their mistake ). 

I've contact TD Bank multiple times and they just tell me they're looking into it and someone will get back to me. It's now almost 2 weeks and so far nothing has been corrected. I'm so regretful for started anything with TD Bank.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX Account XXXX : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX-************** Account Name XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX FIRST XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a XXXX delivery of 2 home security cameras from XXXX XXXX. The shipping label contained my home phone #. I did not place this order. I called the customer service # on the packing slip. They wanted to know my email address and said that it did not match the email address that they had for the order. All other info matched : name, address, home phone. They instructed me to call TD Bank Retail Card Services as  they have a financing partnership with them. I called and was prompted for last 4 digits of my SSN. The system stated balance due of {$130.00} ( the cost of the cameras ) with remaining credit of {$4000.00}. I requested a service rep and waited on hold for 6 hours with no answer. My husband sent assistance request message on XXXX XXXX. No response. I called again on XX/XX/XXXX and on XX/XX/XXXX was placed on hold for several hours on both days. I called TD Bank retail branch on XX/XX/XXXX and again on XX/XX/XXXX and was advised that TD Retail Card Services was a separate entity and branch has no access to this info. They told me to keep trying the customer service # for TD Retail Card Services. I checked my Experian credit report which shows a hard inquiry on XXXX for TD Retail Card Services. My credit reports from XXXX and XXXX do not show the same inquiry. The package was shipped on XX/XX/XXXX. I filed a police report with my local Police department on XX/XX/XXXX. Identity Theft Report ( #  XXXX ) was also filed with FTC on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

i have incorrect information on my report including addresses and places of employment my correct address since XXXX  has been XXXX XXXX XXXX no other is valid. my employer is only XXXX. no other. please correct this inaccurate information on my report
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 confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To summarize : On XX/XX/XXXX, a US Bank loan officer ( XXXX XXXX, District Sales Manager | NMLS # : XXXX ) located at XXXX, California, pulled my credit report without my consent. 

Here are the details : On XX/XX/XXXX, we gave permission to US bank to pull our credit report in order to get the pre-approval of a mortgage as we are trying to purchase our first home. On XX/XX/XXXX, we got the pre-approval valid for three months. 

We also talked to a loan officer from XXXX XXXX XXXX. He told me, once the bank pulled the credit report, and issued the pre-approval, and if we get the mortgage within 120 days, the bank won't need to pull our credit report again. So we assumed it's the same for all banks. As the rates offered by US bank is significantly lower than XXXX, so we decided to go ahead with US bank instead. 

We decided to move forward with the house purchase. So today, I called the banker, and told him we are going to write an offer for our dream house this weekend, and whether he can move our pre-approve to underwriting for a more formal review. He said yes. And he never mentioned about the need to pull our credit report again. And later in the afternoon, he emailed us that he can no longer provide us the mortgage because our credit score dropped below the minimum requirement. I logged into my credit report account, and noted, because of his inquiry without my permission, my credit score dropped by 10 points! And I was furious. How can the bank go ahead and pull my credit report without my permission? He just pulled the credit report less than one month ago and my pre-approval is valid for 3 months. Even if it is US Bank 's internal policy to pull the credit report again, he should have at lease let me know and get my permission. If I knew he needs to pull my credit report again, I would never chose to work with US bank. As I know there are other banks ( for instance, XXXX ) out there who do not need to pull the credit reports over and over again! 

Me and my husband were planning to make an offer for our dream house this weekend, but now with this unpleasant incident, I don't know whether we can make the offer or not! We waited for so many years to purchase our first home. And now because of an illegal credit inquiry, we may loose the opportunity to buy my home. I can not accept this. 

Please help me and my husband look into this. We really need this to be resolved as soon as possible. Thank you so much!
Product: Debt collection

Im a XXXX year old trying to better my life and with that is to better my credit I recently have cleard things off my credit but this company ERC just recently updated as a debt collector with out my knowledge of any kind of notice, and was from XX/XX/XXXX they are just saying now that it recently got collected? It ruined my credit so fast, compared how long it takes to establish my credit it feels horrible I was looking foward to financing my first car and was told this morning XX/XX/XXXX That I  had debt collection of XXXX $ so was not approved and now I will add more to my hard inquiries.
Product: Mortgage

PMI policy has been on my mortgage when I was told by mortgage provider there was no PMI policy in place. After being told no PMI policy was in place on my mortgage, a quantity of XXXX PMI disbursement @ {$150.00} starting on XX/XX/XXXX through XX/XX/XXXX totaling {$1200.00} was debited from my mortgage escrow account. A refund has been requested multiple times from the mortgage provider. 

Mortgage Details given here : -Purchase Price : {$390000.00} -Formal Appraisal : {$430000.00} -Down Payment : {$19000.00} ( 5 % ) -Loan Amount : {$370000.00} XXXX Rate : 7.65 % -Closing Date : XXXX XXXX XXXX Mortgage Payment Due : XX/XX/XXXX Order of events are detailed here : XXXX XXXX, XXXX, A lump sum payment was made toward mortgage principal balance after sale of our previous home in the amount of {$73000.00}. Mortgage Principal Balance after payment {$300000.00}. Loan-to-Value would be 70.2 % after lump sum payment using recent formal appraisal value. 

XXXX XXXX XXXX, PMI cancellation requested via customer service call. Mortgage representative told us that we do not have a PMI policy on our mortgage and that a PMI cancellation request was not applicable. 

XXXX XXXX XXXX, realized PMI policy was in place while reviewing mortgage statements for yearly taxes. Complaint filed and PMI cancellation requested with refund via customer service call. 

XXXX XXXX XXXX, I was notified via email that PMI cancellation was in process. 

-March XXXX XXXX, XXXX complaint filed, and refund requested. Mortgage representative told me PMI cancellation to be completed by XX/XX/XXXX. Reference # XXXX. 

-March XXXX XXXX, XXXX complaint filed, and refund requested. Mortgage representative confirmed PMI had been cancelled but saw no record of refund being requested or being in process. Mortgage representative assured me a request for refund had been placed and I should here back within 72-hours. Communication reference # XXXX
Product: Credit reporting or other personal consumer reports

PLEASE HELP ME CORRECT MY Address and FULL NAME AND LAST Name AND PERSONAL ADDRESS AND REMOVE THESE LATE PAYMENTS PLEASE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS INQUIRY HAS BEEN 2 YEARS OLD NEEDS TO BE DELETED.

15 U.S. Code 1666b states that a creditor can not treat a payment on a credit card account as late unless they have taken reasonable steps to ensure that the consumer receives their periodic statement at least 21 days before the payment is due. The statement must include the information required by section 1637 ( b ) of this title.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not 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.
Product: Payday loan, title loan, personal loan, or advance loan

I requested a {$1000.00} loan on XX/XX/XXXX on the website it showed 24 % -36 % interest rate on every paycheck they take {$260.00} dollars from every paycheck I get payed biweekly. On XX/XX/XXXX I called the company and ask how much I owe to finish the loan they said my loan will finish on XX/XX/XXXX or pay them {$1100.00} to finish I downloaded the payment it shows XXXX  % interest rate or pay XXXX. 
I feel like Im getting scam hard the guy on the phone sounded like a scam with difficulty with XXXX.
Product: Credit reporting or other personal consumer reports

My student loans were removed from my credit for about 3 years and they randomly reappeared. I have since purchased home etc without this on my credit. 

I was told my one of XXXX XXXX loan officers that that is illegal because my credit report would be falsified. Im currently with Nelnet and Im not sure where to go from here
Product: Debt collection

XX/XX/XXXX XXXX, who we had been with over 8 years, could no longer provide us service in the area where we lived. I contacted them, filled out a form to release us from our contract, faxed it to them, and after that I did not receive any bills or correspondence. 

Now, all of a sudden, another company has reopened this debt that was forgiven and closed, XX/XX/XXXX.
Product: Debt collection

I received a credit monitor alert for things I have no knowledge or applied for. I do not recognize the collections from XXXX XXXX XXXX that are reporting to Experian. I contacted Experian as well as XXXX XXXX XXXX XXXX about the five fraudulent accounts being reported to my credit report numerous of times since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I reported this to Experian it but it was never removed after three written complaints. I added the fraud alert again for these accounts in XXXX of XXXX with FTC and again today. I added a security freeze on XX/XX/XXXX with Experian. Experian is still continuing to report this collection company on my credit report. The accounts are incorrect and are not mine. Please remove all five of the fraudulent collections of XXXX XXXX XXXX XXXX XXXX from my credit report.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I am writing to dispute late payments that appears on my credit report. The late payments listed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by XXXX XXXX 

I believe this late payment is inaccurate. According to the Fair Credit Reporting Act, inaccurate information must be corrected or removed from my credit report. Therefore, I kindly request that you investigate this matter and remove the late payment from my credit report. 

Please provide me with confirmation of the resolution of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX