23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The credit card Apr increased abnormally and could be a financial crime association and shouldnt be above 19 %. It may have been increased for about a year or more .Normally I might have noticed sooner but hacking and breaching was occurring during the time. I have called several times to notify their security and agents that I was victimized with identity theft and data breech and something was occurring which may have not occurred before or in the same pattern. 
Please note ; automatic payments caused a delay of noticing changes also.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about a persistent issue related to inaccurate information on my credit report. I have made several attempts to rectify this matter, but it has not been resolved satisfactorily. The issue in question pertains to a late open account that has been erroneously reported on my credit report. This account, as reported, is inaccurate and has been negatively impacting my credit score. I have taken the following steps to address this issue : Subsequently, I contacted your bureau to dispute the account 's accuracy and request its removal or correction. I provided all the necessary documentation to support my dispute. Despite my initial dispute, the inaccurate account remains on my credit report, and it continues to have a detrimental effect on my creditworthiness. I made additional attempts to contact your bureau to follow up on my dispute, but the issue remains unresolved. I understand the importance of accurate credit reporting and its impact on an individual 's financial well-being. The inaccurate reporting of this late open account is unjust and damaging to my credit profile, making it challenging for me to obtain credit and financial opportunities that I am entitled to. I kindly request that you promptly investigate and correct this matter by removing the inaccurate late open account from my credit report. It is crucial that my credit report accurately reflects my financial history and responsibility. Please provide a written response within 30 days of receiving this letter, as required by the Fair Credit Reporting Act ( FCRA ). In your response, kindly inform me of the actions you have taken to address this issue, as well as any changes made to my credit report. If this matter is not resolved to my satisfaction within 30 days, I may be compelled to escalate my complaint to the appropriate regulatory authorities and seek legal remedies. I have enclosed copies of the relevant documents, including my credit report with the inaccurate information highlighted, as well as proof of previous disputes and communications. This late open account should be corrected by the credit bureaus immediately : XXXX XXXX XXXX Balance : {$0.00}.
Product: Mortgage

I applied for a mortgage with Better Mortgage. I work overseas for a large amount of the year ( XXXX XXXX XXXX XXXX XXXX  ). I was very upfront with the loan officer that this was the case. 4 days before the anticipated closing date the mortgage officer decided that my income was foreign and therefore inadmissible for a loan. I have had foreign income disclosed on XXXX of my XXXX last tax returns and was assured multiple times this would not be an issue. I was told I needed a co-signer on my mortgage. My father in law cosigned on my mortgage for me. 

During the same time Better Mortgage contacted my employer multiple times trying to verify my inadmissible income. If the income doesn't qualify why are you contacting my employer? 

After my father in law cosigned for me, my previously acceptable appraisal was sent for a field review, as the loan officer " thought the house was overvalued ''. I was not given a timeline for how long this would take. In XXXX XXXX there is a 5 day grace period to close on a mortgage and that we were supposed to close that day, when I brought this up the Better loan officer said that was my problem not hers. 

When I asked if it was possible to expedite the appraisal I did not get an answer. 

I initially though that Better mortgage was incompetent but this point I am starting to believe that Better mortgage is deliberately trying to delay this mortgage so that I can not close on this house.
Product: Credit reporting, credit repair services, or other personal consumer reports

These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. Please delete these no good addresses that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 
CAPITAL ONE BANK XXXX ***** Opened XX/XX/2010 Balance {$1300.00} // Late Open CAPITAL ONE ***** Opened XX/XX/2010 Balance {$1300.00} // Late Open
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB officer, I have contacted both your department & the company ( XXXX ) this month and I was being confirmed by the company, there had been NO credit reporting late for 30 days. Due to that, my credit went down to XXXX points while I am in the process of refinancing another home. 
Today, I have reported that XX/XX/2023 payment has been recorded late which is clearly NOT the correct case. I have sent screenshot of my credit monitoring page to show that later reported on my credit. 

I therefore am asking you to remove this credit reporting from my credit. Thanks!
Product: Credit reporting or other personal consumer reports

ACCORDING TO XXXX USC 1681XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

DEPT OF EDUCATION/XXXX # XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX  XXXX DEPT OF EDUCATION/XXXXXXXX XXXX XXXXXXXX DEPT OF EDUCATION/XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  Subject : Formal Complaint Regarding Missing and Inaccurate Account Information Dear CFPB, I am filing a formal complaint against Experian for failing to provide complete and accurate information regarding my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX  and XX/XX/XXXX  ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The absence of detailed reporting suggests a failure to comply with this requirement. 
Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
Reporting incomplete information violates 15 U.S. Code 1681s-2, which prohibits the omission of essential data regarding accounts. 
Summary of Errors and Discrepancies : Missing account details such as balances, high credit limit, and payment history. 
No reported late payments ; however, the omission of critical account information creates inconsistencies in my credit profile. 
Impact on Creditworthiness : The lack of comprehensive and accurate information in my XXXX report has created discrepancies across credit bureaus, undermining my creditworthiness and leading to financial harm. 
Desired Resolution : Immediate inclusion of all relevant account details in my credit report. 
Written confirmation of the updates. 
Assurance that the reporting will be accurate and consistent moving forward. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies such as the Consumer Financial Protection Bureau ( CFPB ). 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX Equifax has removed 9 incorrect & fraudulent accounts then later added them all back onto my credit report on XXXX XXXX, XXXX without giving the legally required written notice 5 days prior to them re-adding them. I have contacted Equifax in good faith to ask them to delete the incorrect information that they had illegally re-added. The information & incorrect accounts has caused a hardship and that my rights were violated by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, on my XXXX equifax credit report - under a closed XXXX  XXXX account - under comments and contact - there is a phrase of " ACCOUNT CLOSED BY XXXX XXXX '' I would like removed. 

Attached to this complaint are : my drivers license my social security card my address my written complaint screen shot where it is located Please have this comment, in the XXXX  XXXX comments and contact, completely removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed these unauthorized inquiries months ago, however, the credit agencies investigation came back verified. Now I'm requesting the Method Of Verification, who verified these inquiries, and I'm requesting the physical documentation of verification or as stated in the FCRA, if not then these following inquires shall be blocked/ removed. 

1 ) XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX/XXXX  ( XX/XX/XXXX ) 8 ) XXXX XXXX   ( XX/XX/XXXX ) ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX) 10 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX 13 ) XXXX XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX ) 15 ) XXXX XXXX ( XX/XX/XXXX ) 16 ) XXXX ( XX/XX/XXXX ) 17 ) XXXX XXXX ( XX/XX/XXXX ) 18 ) XXXX XXXX ( XX/XX/XXXX ) 19 ) XXXX  ( XX/XX/XXXX ) ( XX/XX/XXXX ) 20 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 21 ) XXXX XXXX ( XX/XX/XXXX ) 22 ) XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

A notarized affidavant was submitted after the initial complaint was filed. Another was submitted on or about XX/XX/year>. As a result, another stall letter and statement was sent to me. 

Once again, as this company can not and HAS not provided accurate validation that this account belongs to me, I am demanding that this account be removed from my credit reports. 

This account does not belong to me and there has been no proof provided that shows that the account is mine. 

There is not sufficient evidence to support that this account belongs to me as I have stated this is a case of identify theft where my personal data that XXXX is referring to in their second response was compromised.
Product: Debt collection

I do not know if this is a legit debtor, I received an aggressive call asking me to pay. It appeared legit and thus I paid the attached charges in full
Product: Mortgage

My problem is that PNC Mortgage is trying to sell my house at foreclosure auction without giving me the chance to be considered for any programs that would allow me to get my loan restructured or modified. There has been a major change in my financial circumstances as my wife is working full time and based on this information we certainly qualify for an assistance program. The issue is that PNC refuses to give us the time of day, refuses to open a new review, refuses to assign a contact to handle our case and instead is moving to foreclose on my home I have owned for the last 12 years. 

I worked as a welding inspector for the last 13 years until I was injured. I ended up beginning the process of applying for XXXX but it is a lengthy process. At that time my father was living in the home with myself and my wife. Although I was not bringing in any income at that time, my father picked up the slack and helped out with everything. The big problem started when he passed away. At that time I reached out to PNC in order to be reviewed for assistance options. I was told that I was denied because we did not have any income coming in at that time. I was waiting for XXXX and my wife was looking for work. Luckily we had some money put aside and continued making the payment for nearly another year, and then the funds dried up. My XXXX benefits case was still pending. I once again reached out to PNC to see if there were any options such as forbearance plans, deferred payment plans or unemployment plans. However, their agents refused to consider ANY of these options and immediately moved to put me into foreclosure. 

The good news is that there is a change in financial circumstances, my wife is working full time as an XXXX and contributing 100 % of her monthly income to the household. We are now in a position that we can definitely afford a reasonable monthly mortgage payment. The problem is that when I attempted to inform PNC of this situation and initiate a new review I was told it was too late and that they were moving forward with the foreclosure. This is not only unethical, in the state of California it is illegal. I believe I am entitled to a full review of my current and correct financial circumstances in order to determine eligibility for all federal, state and internal programs that are set up to help struggling homeowners. PNC Mortgage is refusing to do so and instead insisting on auctioning off my home unless I can reinstate the loan in full. I am not in a position to do that, but if PNC were to postpone this sale and review the current financial information they would see that we have a much improved financial position and would be able to get back on track with our mortgage loan and make a fair monthly payment.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report i noticed that ive been a victim of identity theft and found this credit inquiries i have no knowledge of here this is inquiry that i have found XXXX XX/XX/year>, Please remove this fraudulent from my credit report. .i also attached my identity theft report as well.
Product: Checking or savings account

XXXXXXXX XXXX  and XXXX XXXX. 
Fraudulent Bank Account Information on My File I am writing to demand that you immediately investigate and correct fraudulent information on my ChexSystems file, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
I have discovered that your agency has reported a fraudulent bank account associated with my identity, which I did not open or authorize. This is a clear violation of my rights under the FCRA. I demand that you : 1. Immediately investigate this fraudulent activity 2. Remove all associated accounts and information from my file 3. Provide me with a corrected copy of my consumer report 4. Take steps to prevent future fraudulent activity on my file Failure to comply with this demand within 30 days will result in further action, pursuing legal remedies under 15 U.S.C. 1681n. 

Sincerely, XXXX XXXX
Product: Prepaid card

I received a XXXX XXXX card from my job in XXXX as a performance award. I did not pay attention to the expiration date but realized when I went to use it in XXXX that it had already expired in XX/XX/XXXX, less than a year after I got it. In XXXX, I contacted the company on the card ( first via email, then phone ) to see if I could get the card re-issued ( there is a fee associated ) and they stated that no, once it was expired, the funds were lost. There was over XXXX dollars on that card. 

I recently read that there is a law that says there has to be 5 years for these funds to be accessible, which would make what they told me incorrect.
Product: Credit card or prepaid card

Due to their system being compromised a lot of customers who bought electronic gift cards from the company, PayPal Digital Gifts, lost all the balance from the gift cards they bought. I am an affected individual also. 
Item bought : XXXX XXXX XXXX digital gift card. 
Value : {$50.00}.

Price paid : {$40.00}. 
Order number : XXXX Date of order placed : XX/XX/17. 
Bought from XXXX. 
Sent an email to the company today.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems is indicating an amount owed for XXXX XXXX as of XX/XX/XXXX. This information is incorrect. I did not have XXXX XXXX in XXXX, the last time I had XXXX XXXX was in XXXX. I disputed the status date which is indicating as of XX/XX/XXXX with both the company directly and the credit reporting agencies. 
While Jefferson Capital did not correct the reported information, they sent me an email to confirm the year I indicated, as the status date, which was XXXX. I am disputing the date they are reporting as well as the amount being reported and requested multiple times verification.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I have asked this third party collection agency XXXX XXXX XXXXXXXX XXXX to provide an original contract with my signature and they have failed to provide this information. Also, the open date and status of these accounts are incorrect. These accounts XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate. 
They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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

i disputed a debt with XXXX XXXX with experian it was deleted only to be rereported again on all 3 bureau from a different collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations XXXX XXXX XXXX XXXX {$2700.00} XXXX - XXXX XXXX {$5700.00} XXXX  XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX   {$940.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

My credit file from Equifax is frozen and I'm unable to lift freeze online on their webiste. When I try to unfreeze my credit file online on equifax website, it prompts me to call XXXX number to unfreeze my credit file. 
I've tried several times to call and get my credit file unfrozen by equifax. Most recently I called on XX/XX/2023. 
Equifax says, they don't have a credit file in their system and unable to unfreeze my credit file. 
I'm not able to get credit or even get an internet connection due to my credit file being frozen by Equifax.