23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

We filed a complaint against Experian about 45 days ago. In the complaint we specifically stated that the company never issued us a number to unfreeze the credit bureau report when we paid to freeze it. Therefore, we are unable to unfreeze the credit bureau report in order to apply for credit. Since the original report, Experian sent us a copy the credit bureau report. This is not what we asked for. Experian needs to send us a number to unfreeze the report.
Product: Mortgage

I took out a home equity loan from PNC bank. Since the beginning of the loan, I have been constantly seeing the following problems : 1. PNC has misappropriated my additional principal payments as well as arbitrarily and unfairly split my payments to their benefit and applying it to interest. This is stealing money because they are purposely keeping my principal balance high despite on time payments plus extra. I also believe the is a form of predatory lending. 
2. Ever changing amounts applied towards interest and principal that follow no pattern.

3. PNC refuses to provide an amortization schedule 4. PNC continues to randomly split extra principal payments and apply some of those dollars towards interest against my expressly written wishes 5. PNC is refusing to fix problems in XXXX now that is XXXX. According to PNC their system does not allow them to go back. Despite the fact, I first called in XXXX to address their issue and their extremely slow pace is the only reason why it is now XXXX. 
6. I have worked with 3 separate representatives from PNC and get no help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain accounts that have been listed on my credit report, and I am concerned about the discrepancies and potential fraudulent activity associated with them. Upon reviewing my credit report, I identified the following accounts that raised significant questions due to inconsistencies in reported information : 1. XXXX - ( Account # : XXXX ) 2. XXXX ( Account # : XXXX ) 3. XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX I am troubled by the incongruities in the details, such as outstanding balances, dates, amounts, and credits, as reported by different credit bureaus. Additionally, I have not initiated any recent credit applications or authorized anyone else to apply for credit on my behalf. Therefore, the inclusion of these accounts on my credit report raises concerns about potential fraudulent activity. 

I kindly request a thorough investigation into these accounts, and I would appreciate your assistance in providing the following information : Verification of the accuracy of each account listed above. 
Clarification on the source of information and the verification process employed. 
Confirmation from the assigned creditors regarding the ownership of these accounts. 

Given the seriousness of this matter, I urge to expedite the investigation and, if necessary, promptly remove these potentially fraudulent accounts from my credit report.
Product: Vehicle loan or lease

Wells Fargo sent me a letter about 3 years ago telling me I would receive a refund of {$7000.00} for the XXXX and fees that were over charged on my XXXX  XXXX XXXX XXXX XXXX never received my refund I did contact Wells Fargo and I was told my account was sold but Wells Fargo offed me a {$50.00}. check in with I did send back.
Product: Vehicle loan or lease

XXXX XXXX, 2015 til now, my interest rate is affecting my means of living. I am requesting to get my interest rate with capital one finance lower. I 'm caught up on my payments and I do n't think it is right to make my life really hard with this ridiculous high interest rate!!! I 've been late on many of my payments because of this and it is affecting my means of living in every way. Especially my credit report!!! I want my interest rate lower and the late payments removed from my credit report. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX Account # XXXX, has 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 a account without my written instructions.
Product: Debt collection

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on COMMONWEALTH FINANCIAL. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
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 Bureau 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 : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. The last letter I sent to Equifax was XX/XX/XXXX and upon checking my recent credit report the account is still reporting on my file. This is so disappointing because the account has already been deleted from the other bureaus. Please see this matter is solved quickly. Delete the account from my file. 

XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a idenity theft report regarding fraud on my Experian Credit report. I have reported this problem twice before to Experain and they failed to do a proper investigation and failed to remove the damaging fraud from my credit report while the investigion was to be done. 

The following account is fraudently reporting on my Credit Report and they have done NOTHING to remove it. 

XXXX XXXX XXXX  account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ; number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose. On XXXX XX/XX/year>, the account was sold to Absolute Resolutions Investments , LLC without my written permission or knowledge.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax have failed to resolve inaccuracies on my credit report despite multiple attempts to address the issue. I requested a re-investigation after their initial dispute process closed, but the inaccuracies persist, negatively impacting my credit. 

Violations Identified : FCRA Section 1681i ( Reinvestigation ) : The credit bureaus did not perform a proper re-investigation of the disputed items. FCRA Section 1681e ( b ) ( Maximum Accuracy ) : They failed to ensure the reported information is accurate and reflects the maximum possible accu
racy.

FCRA Section 1681i ( a ) ( 1 ) ( A ) : They closed my dispute without taking appropriate steps to resolve the inaccuracies. 

Despite providing documentation and clear evidence of errors, no meaningful resolution has been achieved. I request an immediate investigation into this matter and enforcement of compliance with FCRA requirements.
Product: Credit card or prepaid card

This is the second time I have put this to CFPB about BARCLAYS XXXX CARD, and I have been fighting this card since XX/XX/2022. 
I have asked for proof of response company from XXXX, a XXXX in XXXX. 
They stated that the company never responded. I was told that I had to wait 90 days to see what they reported happened. 
If the company didn't respond, I would have won the dispute by default. Well, as you can see, It's been the past 90 days, and they have started billing me late fees. 
I expected this would have been resolved, but it is not. 

I want this to get resolved, please. But unfortunately, the company doesn't have anyone who speaks XXXX well, so I can't get my point across. 

I need help with this mess. I need assistance with this company. Please review my first complaint against this XXXX XXXX  company, XXXX and XXXX XXXX 's account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX XXXX
Product: Vehicle loan or lease

my loan payemnts wrong still trying get this fix. 

I paid {$3800.00} in XX/XX/2022 which was told on recorded line that can be trace n replayed. 

XXXX, XXXX, XXXX paid and XX/XX/2022 will have a $ XXXX to be paid then back to regular payments in XX/XX/2022. 

somehow somebody put the money to everything but my upcoming due dates which we both agreed on. they lied and repo the car
Product: Mortgage

PHH Mortgage has refused to provide me with a payoff of my existing mortgage that I request on XX/XX/XXXX by phone. On XX/XX/XXXX the representative XXXX that I spoke with said I would have my payoff by fax on XX/XX/XXXX due to the holiday. I did not receive the payoff on XX/XX/XXXX, so I called PHH again on XXXX   XX/XX/19 and I was told that it was sent to their lawyers for calculation and he faxed it out to me on XXXX XX/XX/19 based on the notes in the system. Again, that was a lie, I am in escrow and the escrow company has requested a second attempt to obtain the payoff as well and they are refusing them. By law it states the mortgage company has 7 business to issue my request as the borrower. By XX/XX/XXXX it will reach the 7th day mark and I have yet to receive my request. 

PHH is also falsifying charges on my loan from XX/XX/XXXX to present that are incorrect and they refuse to remove them in the amount exceeding {$39000.00}. I have asked and written letters of errors on my account and wanted a detailed descriptions of the charges along with proof of receipts from their vendors. They also have denied me proof and the opportunity to speak with the supervisor in charge of the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have information on my credit from someone who lives in Texas who is using my identity. This abuse of my identity have me afraid. I am victim of identity theft. I want l security freeze immediately on all 3 bureaus. Please stop the abuse from happening to me immediately. They listed a job a job that is associated with me on my credit report that I know nothing about. Person is also trying to buy a car in my name, please help!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX 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, states a consumer reporting agency can not furnish an account without written instrutions. 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 items of information, other than records of convictions and crimes which antedates the report 7 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. Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if further information is required.
Product: Debt collection

In XXXX XXXX XXXX during the COVID government shutdown I moved and cancel my internet service with XXXX XXXX XXXX communications- I was instructed by the customer service representative at XXXX  to drop off the equipment at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA. The store representative refused to open the door and accept the equipment I was told to leave it near the door and they would retrieve the equipment and process the return. I was told I didn't need a receipt as they would cross reference the model # and Serial # and my account would reflect a XXXX XXXX once they processed the equipment return. In XXXX was the first collection agency XXXX XXXX, disputed with XXXX XXXX XXXX and removed, this is the 3rd collection agency that XXXX XXXX, and now again to IC System Inc. also disputed, I have requested documentation that I have never received. Every time this disputed debts gets sold and reported to my credit file it drops my credit score by XXXX points my average FICO score is XXXX XXXX. This is a violation of the FDCPA- I will NOT pay a debt I do not owe and I should have a collection account on my credit report. I am considering legal again against XXXX XXXX and the credit bureaus. This needs to stop!!
Product: Credit reporting or other personal consumer reports

The inaccurate information maintained on my credit report has not only resulted in significant financial harm but has also caused substantial XXXX distress. The false representation of my personal and financial information is a clear act of fraud. It has deceived creditors and financial institutions, leading to higher interest rates, denial of credit, and an overall detrimental impact on my financial standing. This constant struggle to rectify these inaccuracies has inflicted undue stress and anxiety, undermining my trust in the credit reporting system. 

Moreover, the persistence of these errors despite multiple disputes exacerbates the situation, suggesting an element of extortion. By refusing to correct these inaccuracies, you are leveraging this misinformation to exert financial pressure on me. This coercion forces me into a position where I am compelled to take unnecessary financial measures, further aggravating my emotional and financial well-being. The distress caused by this situation is profound, as I am being unfairly penalized for errors that are beyond my control. 

The continuation of these inaccuracies represents a violation of my rights under the FCRA and FDCPA. The failure to correct or delete this false information, despite clear evidence and legal demands, highlights a disregard for the laws designed to protect consumers. This ongoing issue has caused not only financial repercussions but also significant emotional turmoil, impacting my daily life and overall XXXX  health.
Product: Money transfer, virtual currency, or money service

In XX/XX/scrub> 2024, I changed my mobile number, and shortly thereafter, I received a notification stating that my account had been closed due to a violation of their rules. I responded, seeking clarification on what actions had led to this decision. After waiting 24 to 48 hours, I received a reply indicating that I had breached their regulations and was advised to review their rules. I was perplexed, as I had merely changed my phone number and could not comprehend what I had done wrong. I even submitted an appeal, yet no one provided an explanation for the alleged violation. As of today, I remain confused about the situation.
Product: Vehicle loan or lease

Santander was charged off and settled in XXXX. 

See screenshot for issues. Every bureau shows something completely different and all incorrect. 

XXXX - Shows a {$9300.00} balance and derogatory charge off. Date of last payment XXXX/XXXX/XXXX Experian - Shows XXXX balance and paid and late 180 days in XXXX. Date of last payment XXXX/XXXX/XXXX XXXX - Shows XXXX balance and paid and late 120 days. Date of last payment XXXX/XXXX/XXXX
Product: Bank account or service

my bank is letting fraud checks through even after i made them aware and froze my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. On XX/XX/2021, I sent a letter concerning faulty and unknown matters on my credit score report. To this day, over 30 days later, I even have not acquired a reaction but. I experience like Im being taken advantaged of and being left out. Section 611 ( a ), It states that failure to analyze these gadgets within 30 days offers a cause to straight away cast off the ones objects from my credit score file. Its been over 30 days so that they have to be deleted directly. I call for that those bills be deleted straight away or I will document for litigation because of the pressure you've got brought about me. My statistics turned into also impacted via the Equifax data breach and might are becoming into the arms of the wrong person.
Product: Student loan

Three years ago, in XX/XX/XXXX, I paid {$2000.00} and started having {$50.00} a month automatically withdrawn from my checking account for the balance. Even though I was paying {$50.00} a month only a dollar or two was credited to my account. When I asked why they had no answer. Unknown to me they stopped taking the money automatically in XX/XX/XXXX. I just learned this week I was turned over to collection even though I didn't get a phone call or letter about the auto withdraw stopping and now I'm supposed to pay {$4000.00} I don't have. I called yesterday and found out my account was only credited for {$1000.00} of the original {$2000.00} payment. I now owe more than I did in XX/XX/XXXX. despite paying {$3800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've placed fraud alert on my credit report due to identity thief I 've reached out to, Equifax XXXX and XXXX informing them this XXXX XXXX XXXX Acct # XXXX acct does n't belong to me. I 've even asked for acct verification with my signature, I have n't yet received this information. I 've called numerous time and have talked to customer service. 

Equifax : Dispute # XXXX, XXXX, XXXX, XXXX XXXX Dispute # XXXX, XXXX, XXXX, XXXX, XXXX XXXX File #  XXXX - I 've sent 5 disputes and 4 pone calls
Product: Student loan

Despite submitting all required PSLF documentation to qualify for special waiver XXXX loan forgiveness, MOHELA stopped short of giving me credit for all qualified payments. They processed all of my submitted employment certifications without updating my XXXX payments counter. I was credited XXXX payments and then MOHELA stopped updating the count. MOHELA has not given any explanation as to why my count stopped at XXXX payments despite having documentation certifying well over XXXX payments and granting me forgiveness. I called the servicer on XX/XX/XXXX but the customer service representative was unable to explain why my count is not being updated. I was advised to wait a few days for the issue to be resolved. After over XXXX weeks nothing has happened and no communication from MOHELA. My count continues at XXXX for over a XXXX days and MOHELA has not communicated with me and I received no explanation or justification.
Product: Debt collection

Recently it has been brought to my attention that there are 3 items on my XXXX  credit report, which I could not recognize. These accounts are as follows : XXXX - {$240.00} XXXX - {$85.00} XXXX - {$60.00} I have disputed the accounts through Evergreen Professional Recoveries directly on XX/XX/2021 and have requested to validate the debt and send me proof of all statements with original dates and account numbers. I provided them with my current address and additional contact information, and gave them permission to contact me anytime. It has been over a month and I still haven't received anything. I called them on XX/XX/2021 to find out what is going on. I did leave a voice mail. I was also told that I will receive a phone call back from someone who will be able to assist me, and no one called me back. I finally called again and was talking to a person who was working on validating this debt. He was very rude and started yelling at me when I told him that 30 days for validating the debt has passed. He said that they have 30 days to validate the debt, but there is no limit on how long it takes them to send it to me. In addition he said that these are some medical bills which belong to me and that they are waiting for more information to come. I had insurance and am not aware of why any past balances due. This conversation was not professional, I wasn't offered a resolution, no proof and documentations of any kind. The manager claimed the debts were validated yet I hadnt received the documents alleging these are valid debts afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ) within the 30 days window.