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

XXXX XXXX XXXX reported I had 11 late payments, and all were 120 days past due in XX/XX/XXXX. However, if you look at my payment history, it reported on-time payments in XXXX, XXXX, and XXXX of XXXX. I didn't have late payments because my account was in forbearance. 

I've disputed it with XXXX XXXX XXXX and Experian, and XXXX. I asked for one-time late payment forgiveness, explained the loans were in forbearance, therefore they could not have been more than 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX  Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days. 

Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XXXX XXXX, XXXX Account type XXXX Loan Status Current, was past due 120 days Account number XXXX Date opened XX/XX/XXXX Account type XXXX Loan Status Current, was past due 120 days
Product: Mortgage

My loan with Freedom Mortgage has been on a Covid forbearance since XX/XX/2020. Since then they have increased balance a few times and have reported these increases to all three credit bureaus. As per the Covid bill this shouldnt be happening. 

To explain, my mortgage balance before forbearance was {$460000.00} and on XX/XX/XXXX they reported a balance of {$460000.00}. I called them that same day and they said someone would call me back to discuss. No one did. On XX/XX/2020 I wrote them an email and asked them to correct my balance on my credit reports. I received an email receipt confirmation stating that someone would be in contact. To date no one has. As of XX/XX/XXXX theyve reported another increase in my balance, which is now {$470000.00}. Ive written them another email asking them to respond. At this point theyve made no effort to resolve this with me.
Product: Credit card or prepaid card

I have an issue with Sezzle Inc . They have fraudulently reported that my account with them was delinquent twice! On XX/XX/XXXX, I checked my account to see that the system noted the payment still registered as being owed, even though it clearly states a payment had been processed. I attempted to contact Sezzle by phone and through their help tab within the app to no avail. I never received a call back, nor a reply to my help ticket on their app. They reported falsely that my account was delinquent on XX/XX/XXXX. This caused my credit score to decrease by over XXXX points. I was and am still upset about this. On XX/XX/XXXX, I received notification from my credit bureau tracking app that Sezzle had yet again reported to the credit bureaus that my account was delinquent. A statement that is totally not true. Attempts to get in contact with reps from the company has still gone unanswered.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt collection company, IQ Data International failed to validate information that they have placed on my credit report in XX/XX/XXXX. The original amount that is in question was {$5200.00}, As of XX/XX/XXXX the amount is now {$6100.00}. On two separate occasions I sent IQ Data International a certified letter asking them to please verify that I owe them this debt, and to provide documentation with my signature showing that I was in agreement with IQ Data International to pay this amount. The first letter was sent on XX/XX/XXXX certified by the USPS. After not receiving a response within 30 days, I then sent another certified letter by the USPS on XX/XX/XXXX asking them once again to validate the information that they have placed on my credit report. As of today, I have not had any response from IQ Data International, but they continue to increase the amount owed on my credit report monthly. 

My rights are being violated. I am a single mother of XXXX and a XXXXXXXX XXXX. Due to this increasing amount on my credit report, I am being denied a loan for a home. I am unable to even qualify for an apartment in a safe neighborhood for my family. I just really would like some help getting this matter resolved. I know if they are doing this to me, they are doing it to other people too.
Product: Payday loan, title loan, or personal loan

I do not wish to receive offers of a line of credit from OneMain Financial. I have requested to opt out via XXXX XXXX XXXX and through credit reporting agencies. I continue to receive this unwanted mail. 

This is like registering with DoNotCall and continuing to receive telemarketing phone calls. 

Offers of credit continue to be sent by : OneMain Financial XXXX. XXXX XXXX XXXX, IN XXXX
Product: Mortgage

XX/XX/XXXX, PNC Mortgage offers a refi mortgage. ( 1st of 4 attempts ) loan officer abandons application and I receive denial for incomplete in mail. LO now gone, new LO has me resubmit, ( XX/XX/XXXX ) I 've now moved to a new career in new year, managed by staffing agency, underwriter does n't like it, processor wont return calls, and loan is denied for same reason. 3rd attempt, ( XXXXXX/XX/XXXX ) Loan redone again 3rd run on credit, underwriter again same issues, and processor from before again fails to do his job, after he was supposed to be taken off my loan and new team put on. Phone conversations with top of mortgage dept./underwriters continue, 3rd attempt on loan killed for " schedule B compliance. '' Underwriter/mortgage dept. invite and persuade me to resubmit once more, with the promise to be " more objective '' in the application, understanding staffing agency work is not " temp '' work. Submit again, underwriter immediately begins to demand the exact same things as before, breaking their word on objectivity, goes to the wrong employer dept. for verification of employment, gets an unskilled worker to give them incorrect info. I immediately notify loan officer and told not to worry, that I was just making something out of nothing. They were wrong, underwriter fails to bring their promise, I have to correct their work, as they refused to rectify the issue themselves. As soon as I do, they still refuse to accept, and actually went back to wrong office on purpose on a fishing expo. to find someone that will give them what they need to kill my application. I could have simply gone to another financial institution, but they promised they understood and pressured me to resubmit with them, and in the end now I cant submit anywhere, as PNC has killed my score, until sometime in the future. By XX/XX/XXXX my official denial letter from PNC loan # XXXX denied. Executive of customer relations unable to do anything, PNC Mortgage refuses to hold underwriter to their word, knows the UW baited me and then destroyed my loan as soon as I committed to the submission. UW defends with the email they went fishing and received stating " technically a temp '' and ignored the actual employer 's written responses ( the same one they used 3 of 4 times prior ) The fact they insisted I continue to work with them ( PNC ) and not go somewhere else, lent me an assumed trust and good faith in them. They NEVER gave me their required definition of a " Permanent '' employment. The crutch of the entire loan! I asked repeatedly for a copy of this requirement in writing, and they refused, I asked the executive of customer relations for it, they refused. It is a company imposed requirement, that NOBODY could offer in writing, and actually denied they were requesting employer 's for documents stating such, without a definition even for them to go by. To this day, I have never heard of any other institution requiring anything without a definition of it.
Product: Credit reporting or other personal consumer reports

I am failing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB to action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The accounts fare listed below as follows ; XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$880.00} Status Account charged off. {$880.00} written off. {$880.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Collection account. {$170.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  I Potentially negative Date opened XX/XX/XXXX Balance {$230.00} Status Collection account. {$230.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$440.00} XXXX XXXX account. {$440.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$460.00} XXXX XXXX account. {$460.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$230.00} Status Collection account.
Product: Credit reporting or other personal consumer reports

Violations of the Fair Credit Reporting Act under 15 U.S.C. 1681 for intentional failure to comply can lead to civil liability as stipulated in 616.
Product: Credit reporting or other personal consumer reports

By provisions of 15 US section 1681i of the Fair Credit Reporting Act. These items need to be investigated. This account is being reported as a collection/charged off account on my credit report but these account have been sold off to third party collection agency
Product: Credit reporting or other personal consumer reports

I am in the process of selling my home. I have received an email from the loan closer stating the sale can not be completed nor can I have anything notarized unless this judgment is removed. Gurstel and Associates filed a frivolous judgment against my property for someone with a similar name but completely different address and date of birth. I dont know this person and our birthdays are over 20 years apart. I contacted the law firm and advised them this judgment nor debt is mine. I verified the last 4 of my ssn and my dob with the representative and they confirmed it was different. They then told me I would need to go to the courts to work with them to have it removed. I am refusing to do so as I am not sure how they could even be granted a judgment on a property without even properly verifying the owners of the property are the person on the debt ;. I have owned my home since 2008 so the property history would show that. On the court website they show this persons information and her last address in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.I also have no knowledge of obtaining any of the inquiries listed here. 
XXXX Date of Inquiry XX/XX/2XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/20XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/2021
Product: Checking or savings account

Hello, Since XX/XX/XXXX I have been receiving emails from US BANK ( XXXX so far ) that do not pertain to me. My email address is XXXX. I do not have an account with US Bank since XXXX when I had a mortgage there. 

From the emails I've been receiving it looks like someone is trying to open an account with my email and possibly my name. One email it addressed to XXXX XXXX XXXX. My name is XXXX XXXX XXXX. 

I have called the bank each time I've received an email and have been transferred to the Fraud Dept. XXXX has a different social security number. I was told they may have mixed up our accounts and was given an email to go to and told to write in STOP. My email did not go through. 

I have attached the emails.
Product: Credit reporting or other personal consumer reports

I submitted an application for a business line of credit with XXXX XXXX. However, the approval process was temporarily suspended due to the presence of an outstanding judgment dated XX/XX/XXXX. It is essential to note that my business was officially incorporated on XX/XX/XXXX, and subsequently granted an XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. XXXX XXXX has been duly furnished with the aforementioned documentary evidence. 

Regrettably, despite the incontrovertible evidence presented, XXXX XXXX has expressed reluctance in acknowledging the evident reporting inaccuracy. I have communicated to XXXX XXXX the implausibility of a five-year charge on my business account, given the company 's recent establishment, spanning only a few months. 

In response, XXXX XXXX advised me to initiate contact with Equifax Small Business Solutions, the credit reporting agency involved. However, my interactions with Equifax have been marked by a notable reluctance to provide meaningful assistance. Rather than effectively addressing the underlying issue, I have been subjected to a protracted and fragmented procedure, deviating from the expeditious resolution of the matter at hand. 

In light of the aforementioned circumstances, I wish to express my serious concerns regarding the handling of this matter by both XXXX XXXX and Equifax Small Business Solutions. I seek a prompt and equitable resolution to rectify this credit reporting inaccuracy, which has adverse implications for my business.
Product: Checking or savings account

There were some frandulent transactions made against my debt card ending in XXXX starting on XX/XX/year> for XXXX with XXXX XXXX, XX/XX/year> for {$370.00} with XXXX XXXX  XXXX, XX/XX/year> for {$190.00} with XXXX XXXX and XX/XX/year> for {$580.00} with XXXX XXXX. I contacted Navy FCU on XX/XX/year> to dispute the fradulent transactions and immediately close the debit card ending in XXXX. I received a new debit card at a local branch on XX/XX/year> ending in XXXX. Despite, freezing the old card, deactiviating the old card ending in XXXX and being issued the new debit card ending in XXXX, Navy FCU allowed the XXXX  XXXX to authorize a fradulent transaction for {$580.00} on XX/XX/year>. I did not authorize the transaction. This is XXXX of the reasons a new card was issued on XX/XX/year>. I recieved several blocked attempts with various amounts on the XXXX  XXXX  XXXX  on XX/XX/year> which were all blocked, only for Navy FCU to authorize a charge or {$580.00} after card was deactivated. On XX/XX/year> Navy FCU denied by fraud claim submitted on XX/XX/year> for transactions linked to compromised debit card XXXX with the following reasoning We reviewed your claim and found no error occurred in your account. Our decision was based on a review of your account activity. This includes, but is not limited to, transaction details, account history and/or differences between your claim and the activity in your account. I have filed an appeal on XX/XX/year> requesting information and evidence to support the denial. I did not authorize the above merchants access to my above transactions nor provided my debit card information. I am extremely concerned that despite closing the card ending in XXXX, Navy Federal still allowed the transaction of {$580.00} on XX/XX/year> be debited from my account.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear CFPB, Subject : Demand for Immediate Correction of Erroneous Late Payment Reporting I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX XXXX XXXX Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), no adjustments have been made to reflect the accurate status of my account, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors must send periodic statements at least 21 days before the payment due date. The late payment reporting on my account 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. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. This inaccurate reporting of late payments has caused undue harm to my creditworthiness, negatively impacting my financial standing. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to consumers, ensuring they are not penalized unfairly for issues such as delayed statements or erroneous reporting. 
Summary of Errors on Account : 60-Day Late Payment : Incorrectly reported as 60 days late in XXXX, despite my timely payment history. 
Account Status and Remarks : Inaccurately listed as " Closed '' and " Late 60 Days '' on XX/XX/year>, yet no corrections were made following my initial disputes. 
Dispute Status : Incorrectly reflected as " Account not disputed, '' even though Ive raised disputes on XX/XX/year> and XX/XX/year>, which remain unresolved. 
Requested Resolution : I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately, as it does not reflect my true payment history. Additionally, I request that TransUnion provide written confirmation of this correction within 30 days of receiving this letter. Should this issue remain unresolved, I am prepared to escalate the complaint, including potential legal action and further complaints with relevant agencies. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened the dispute for two charges on my card. They charges were both XXXX. One for {$500.00} on XX/XX/2020, and one for {$460.00} on XX/XX/2020. I had the bank issue a new card. After one week, the charges are still there, and there is no indication on the account that these charges are under dispute. I requested written confirmation of the investigation or some sort of confirmation number for the investigation, but they refused. I filed a police report with my local police department. I gave them the police report number. The bank claims the investigators determined that I accepted the charges, which is not true. Since the charges were made online, I asked the bank to provide the shipping address or email address used to deliver the goods. They were unable to give it to me. They also refused to provide the evidence that I accepted the charges. I requested an affidavit of fraud, which they also refused to provide. The bank stopped taking my calls.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several inaccuracies on my credit report that violate the Fair Credit Reporting Act. Despite multiple disputes with the credit reporting agencies, these errors continue to remain unresolved. This situation poses a serious risk to my financial credibility and could potentially hinder my access to credit. I urge the Consumer Financial Protection Bureau to promptly investigate this issue and enforce compliance with the FCRA in order to safeguard consumers ' rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year I have been working to not only repair my credit but remove fradulant credit information from my reports. I have taken all necessary actions to report this info from filing the neccessary paperwork with the Federal Trade Commission as well as filing a police report at which all 3 credit bureaus have received and been notified of the beginning of this year. I have recently sent via certified mail request to remove the referenced accounts from my report as well as inquiries that where not authorized. My information has not only been stolen but also my information has been leaked in numerous breaches which include, XXXX breach, XXXX Breach, XXXX/XXXX   Breach, XXXX XXXX XXXX Breach and XXXX. To date on 1 credit bureau has complied with my request and removed the accounts. I am now writing to request that you assist me with having XXXX and Experian comply with my request. Majority of the accounts where opened online. And being that all my information was leaked in the XXXX breach, great consideration should be taken as that breach not only disclosed my social but my addresses, drivers license number, DOB and  credit information. I would appreciate getting Support to have the accounts and inquiries removed. As I have done everything on my end in reporting this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a young kid and didnt know about credit or monitor it like i should have. Now that I am older i realize that my identity was used and I do not understand how people were able to open accounts without me knowing. Im still learning how credit works. I have fraud accounts from XXXX XXXX XXXX XXXX XXXX XXXX I also have a bunch of inquiries that I did not authorize.
Product: Checking or savings account

Regions use a third party marketing service to offer cash rewards to customers who use their checking account debit cards to pay certain bills each month. This service appears EVERY time a customer logs into their checking account, to actively induce customers to use their debit card on which Regions earns money. I activated several of these offers in XXXX of XXXX, totaling more than {$30.00}. For example, I was offered {$20.00} for charging my monthly XXXX XXXX subscription to my Regions debit card. After the applicable charges posted to my account, NO credit was received. I brought this to the attention of various customer service personnel at Regions and was told to wait 90 days. It's now been more than 90 days and still NO credit. 

By comparison, I also have a XXXX XXXX checking account and they use the exact same third party marketing plugin on their site to offer rewards to their debit card customers -- same look and feel of the offers window, same fonts, colors -- clearly the same third party service. A month or XXXX after the Regions transactions, I switched my XXXX XXXX monthly billing to XXXX XXXX, it billed to my XXXX XXXX debit card, and I received my $ 20 monthly credit very promptly after the charge posted to my XXXX XXXX checking account. I believe that Regions is engaging in a practice of fraudulent rewards offers that they never make good on, and this could be affecting thousands of their customers.