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

XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX PNC BANK, N.A. 

XX/XX/2023 To Whom It May Concern, This letter is to inform you that I am disputing your company 's references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations I am disputing the following information directly with you, the furnisher of the information, and I am requesting that you conduct an investigation as outlined in the FCRA section 623 : XXXX
Product: Mortgage

My Mother passed-away onXX/XX/2023. I communicated with XXXX XXXX company and told them I had to refurbish my Mom 's home before we sell it because she was a smoker who smoked in her home. They agreed, we were all on the same page. 
On XX/XX/2023 my brother-in-law received a text message that they wanted to by his foreclosure house in XXXX, CA. What?!?! I immedately called the XXXX XXXX Co ( XXXX ) and they advised me that they had foreclosed on the home as of XX/XX/2023. I felt as though they were rude and not concerned about helping me, they saw no urgency. On XX/XX/XXXX I called on a three-way call with my Attorney on the phone. They did not want to give my attorney the balance, the attorney contact info, nothing. Uncooperative. 
On Saturday XX/XX/XXXX I went to my mailbox and there were 20 " packets '' of information all with foreclosure/default filings from the court. Each and every packet is post-marked XX/XX/2023 - two weeks after foreclosure was filed. 
I feel as though they are trying to swindle me. They have all my contact information, yet no one ever reached out to me in regards to foreclosure. They have ALL my contact info.
Product: Credit card or prepaid card

Excessive interest rate paying 20.74 % interest rate I've had the credit card since over 10 years. Rate increased without proper notification over the past 5 years increases yearly. Monthly credit card interest is excessive and I paid more interest than I pay in mortgage. I have currently not made purchases over the last year. I have made complaints to the company. I'm afraid to make purchases because if I make a purchase that even increases my interest. All I want to do is just pay off the card and be done with it. The interest is too high so therefore I have to make monthly payments feasible to fit my monthly income.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I'VE CONTACTED THE CREDIT REPORTING AGENCIES VIA CERTIFIED MAIL REQUESTING THESE ACCOUNTS BE VERIFIED AND THEY ARE UNVERIFIABLE. THESE ACCOUNTS BEING REPORTED TO MY PROFILE ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN CREDIT. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I do not usually check my credit but i was at shocked when i saw that there was a fraudulent account open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached my drivers license and Social along with the ftc report.
Product: Mortgage

My loan was with XXXX up until XXXX 2017 and  was bought by Nationstar and is now Mr. Cooper. 
Every month I send them an extra payment of {$1500.00} and instructions to apply in whole to the principal. Every month they apply it incorrectly, every month for the whole year. 
They apply it this way ... 
Principal {$580.00} Interest {$420.00} Escrow {$370.00} Additional Principal {$110.00} That 's {$790.00}, almost {$800.00} that they try not to apply to my Principal on my loan. I have given them instructions and every month they ignore my instructions. Every month I have to call, explain what they did wrong then wait for a couple of days for them to apply the correct amount toward the principal. 
Every month.
Product: Credit reporting or other personal consumer reports

I Received A copy of My Credit Report I saw Accounts That Don't Suppose To Be There Please I Demand these ACCOUNTS and INQUIRIES to be REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. 
THESE ARE THE ACCOUNTS : XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$320.00} ACCNT : XXXX XXXX XXXX XXXX XXXX Balance {$450.00} ACCNT # XXXX THESE ARE THE INQUIRYS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Services XXXX XXXX  FInancial XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX  Credit XXXX XXXX XXXX XXXX Bank XXXX XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fin XXXX XXXX  Capital XXXX XXXX  Financial XXXX XXXX XXXX XXXX. 
Under FCRA Consumer SECTION : 15 USC 1681B Permissible Purposes, 15 USC 1602 opt-out option, 15 USC 1681 ( B ) Disclosure, 15 USC 1681Q- any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under TITLE 18, Imprisoned for not more then 2 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working diligently with CFPB and creditors regarding removing erroneous credit information on my XXXX  report. After working with the CFPB and the creditors directly, it was determined that the following items would be removed from my XXXX  and Equifax report. To date the following that was agreed to remove are still showing months later have resolution was rendered. I'm asking again, to have the following items removed from my XXXX  and Equifax Report : XXXX XXXX 60 day late payment removed from XX/XX/2013, XXXX XXXX 30 day late payment should be removed as creditor agreed that, this account should not have any late payments reported and deemed incorrectly reporting on my credit report. XXXX Bank Case # XXXX removed as it was determined that, the ( 2 ) accounts negatively reporting should be removed as no record was found. I'm requesting that these items be removed immediately from my report as this has cause a great hardship on me personally.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was settled in full on XX/XX/2021, the confirmation number is XXXX, this was done with XXXX XXXX. On XX/XX/2021 Fortiva reported derogatory status with a balance still showing. On XX/XX/XXXX, I contacted Mr. XXXX and informed him of this information and requested a XXXX balance letter which he forwarded to me that day.
Product: Debt collection

I mailed PayPal Credit a letter stating to cease all contact with me for a debt they allege I owe. I have a tracking number as well as sign conformation that they receive the letter. Then today i got a letter form them in the mail. This is in direct violation of the law. 


" Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. ''
Product: Credit reporting or other personal consumer reports

Check report, Disputed items, received stall letters, this incorrect info is hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX XXXX, Acct. # : XXXX XXXX XXXX XXXX I sent a letter to XXXX XXXX XXXX on XX/XX/22 certified mail tracking # XXXX XXXX XXXX XXXX XXXX stating that illegal information is being reported by them on my credit report specifically, my credit utilization. 

In response, I received a letter from them ( attached ) stating that my request was received, reviewed and sent updated information about my recent payment to the consumer reporting agencies. THIS IS NOT WHAT MY INITIAL CORRESPONDENCE WITH THEM WAS CONCERNING. They further encouraged me to reach out to the credit bureaus to have each of them update their records. 

THIS IS ABSOLUTELY UNACCEPTABLE AS THE REPORTING OF CREDIT UTILIZATION IS ILLEGAL. 

Upon carefully reviewing 15 U.S. Code 1681a ( 2 ) ( a ) ( i ), it clearly states the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; As such, the reporting of any transaction or experience on my consumer credit report is ILLEGAL and forbidden by government.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account with XXXX XXXX/ Santander usa , account number XXXX balance is {$9500.00} I'm Requesting this account to be deleted from the credit report based on the repo was not done according to California law. I already contacted a attorney and he said I have a case. so please delete this account from XXXX and XXXX. XXXX  already deleted this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit on XX/XX/XXXX at XXXX EST and noticed the following erroneous inquiries listed on my credit that I did not authorize XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXcitibank na/best buyXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Citibank na/best buy XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX
Product: Debt collection

My credit report shows a SAFCO account reporting as of XX/XX/16 as a Charge Off for {$10000.00}. This is not my account. I have written numerous letter to this company and filed several disputes with the Credit Bureaus. This is not my account. I do not have a contract, loan, nor do I have a financial obligation to this company. They are continuing to ruin my credit and this is not even my account.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

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




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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.

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: Credit reporting

Equifax reports the following accounts in my name as collection/charge offs. I do not have accounts with these creditors and I 've repeatedly stated that I was not working in this country since XXXX 2003. These accounts are not mine and may be the product of identity theft. It does state that consumer disputes the accounts but this has been labeled for quite some time. 
XXXX XXXX $ XXXX XXXX Bank XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal has ruined my finances. For 6 months this year, it has horror after horror. Everything is automated to cut cost and their algorithm is broken to the point where I had to give up. 

I had to apply my ID 4-5 times. The SAME XXXX  ID card. 

I sold a few items on XXXX  and they demanded to see my suppliers invoice. I XXXX XXXX XXXX XXXX fXXXX XXXX XXXX!!!!! 

They protect fraud buyers who say they never received item when they received it. 

They never tried to listen to my attempts to rectify the situation. 

Prior to the pandemic, they barely provided any help besides their empty faux apologies. Since the pandemic, it's been a joke. They literally took the pandemic as an opportunity to not provide service of any kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Equifax multiple times in the past three days to delete a consumer statement. They confirm again and again that it is deleted, but it keeps showing up when a lender pulls up credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have hard inquires on my report I did not recognize First is from XXXX XXXX Ohio made XX/XX/XXXX. I didnt make this inquire Ive research the company and did not use there service. 

The next is : XXXX XXXX XXXX XXXX Delaware XXXX from XX/XX/XXXX The next is from XXXX/ XXXX XXXX XXXX Florida XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

XX/XX/2019 XXXX PST - agency called my husband and my employer threatening both of them and trying to obtain informaiton on my whereabouts because of " legal course of action taken against me '' ; they had advised them to let me know to contact them in the next 2 hours otherwise I will be arrested by XXXX EST. Left multiple voicemail messages on my husband 's phone following that conversation. 

Agency : Alliant Capital Phone number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquires on my credit report that i do not recognize. I've tried to handle the situation but didn't get a response. I'm asking cfpb to help me with this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : XXXX XXXX XXXXXXXX, Acct # XXXX ( reporting to equifax ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX, Acct # XXXX ( reporting to equifax ) XXXX, Acct # XXXXXXX ( reporting to XXXX ) XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX, Acct # XXXX ( reporting to equifax ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to equifax ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) XXXX XXXX XXXX, Acct # XXXX  ( reporting to XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions. I am requesting that these accounts be removed from my reports.
Product: Credit reporting or other personal consumer reports

The information that is being reported on my credit report is from a fraudulent account. I have sent the information to XXXX and also XXXX detailing the identity theft that I experience. Please conduct an true investigation. The account address associated XXXX XXXX XXXX XXXX XXXX Florida XXXX is from a fraudulent address. Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT HAS BEEN PREVIOUSLY REMOVED OFF MY CREDIT FILE DUE TO THE FACT THAT IT HAS BEEN REPORTING INACCURATE AND WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME. THIS ACCOUNT IS A DEROGATORY ITEM THAT NEEDS BE OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Debt collection

Date opened XXXX, Sallie Mae reported this debt as charged off/written off and has filed it as a loss, however, they did not send a 1099C to the original debtor XXXX XXXX to file as income. The account was sold and he went to court and have arrangments for this account however I've spoken to several people from this company in regards to reporting negative information on my account when they fraudulent reported a debt under sections 15USC1681C and 15USC1681S2.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are last payments being reported on my Credit Report XXXX XXXX XXXX XXXX ( XXXX  ) Acct # XXXX Late Payment : XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/17 I was reviewing my credit report and I found several HIPPA Act violations. I am requesting a investagation according to FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims I am allowed to review any and all documents related. I need to review the following documents from these companies 1.XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX Please notify these companies to cease and desistFRCA 604 ( A ) ( 3 ) all contact and communications with me immediately.
Product: Credit card or prepaid card

I have been a Capital One card holder for a couple of years. I decided to take the steps to move cards around to obtain better rates and benefits earlier this year in XXXX. I initially went to Capital One to increase my credit line with the XXXX card and it was only increased {$100.00} with " no impact to my credit ''. I then tried to pre-qualify for a card and was subsequently denied. Again, it was advertised that there would be no impact to my credit. I eventually applied for a Quicksilver card and was approved. Because of the low benefits of the XXXX card, I elected to close that card. I determined a month or so ago that I needed a store card to help cover my daily purchases. I remember I received a mail-in offer for the Walmart Rewards MasterCard and the letter specifically mentioned that I would be considered for a Walmart store card if I wasn't able to get the credit card. Since I've been moving my credit cards around a lot lately, I decided to apply for the card, in hopes I'd get the store card rather than the MasterCard. I applied on Saturday XX/XX/XXXX and was subsequently denied due to the number of inquiries on my report, several of which were from Capital One. I applied on XX/XX/XXXX over the phone, after inquiring about an appeals process and was denied again. I asked to speak to a supervisor, who informed me that there is no appeals process and the process is just to reapply. I explained to her that this will continue to hurt my report, and I wanted to appeal because of my circumstances. She mentioned that anyone can continue to apply for a card as many times as possible, but no appeals process would be done. 

My complaint is that Capital One targeted an offer, even after my credit inquiries by Capital One and when I applied for said offer, it was denied because of my inquiries. This practice makes no sense and I believe this should be explored. The supervisor didn't offer to remove me from marketing offers and all she offered was to give feedback on the process. I understand that inquiries can make an impact, but what happens when inquiries from the company who claims that checking for offers won't hurt your credit, end up hurting your credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon opening credit lines for my husband and I, we called the credit card issuer ( PenFed ) and set up automatic payments. For some reason, the bank only set up auto-pay for my husband 's account but not mine. Consequently, my bill was paid over 30-days late, when we finally noticed the balance had not changed. We called the bank to complain in XX/XX/XXXX and they said they would investigate. We were then NEVER contacted with the results of the investigation and were forced to call the supervisor multiple times to no avail, leaving voice mails each time. Finally today, XX/XX/XXXX, we were able to get this person on the phone, just to hear him say they would not call the credit bureaus to retract the mistaken report of a late payment because it is, in fact, accurate. It's true the payment was made late, but the question is WHY. This was their fault, not ours, so we feel the credit report strike is unwarranted. They could easily pull the call record to confirm we asked for auto-pay to be set-up on both accounts and verify this was their mistake, but they refuse to do so. We have impeccable credit, which we have worked hard to attain. We do not want this undeserved stain on our record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute regarding the balance on my student loan with the US Dept of Education and XXXX XXXX. The loan was fully discharged and the balance should be zero. 
XXXX sent me a response and said that this creditor was not appearing on my credit report. I sent XXXX proof that the loan has been fully discharged .I spoke XXXX, XXXX was the supervisor that I spoke with. He gave me conflicting information. He insisted that I submit a second complaint notwithstanding the fact that I had previously submitted my dispute over 30 days ago.
Product: Debt collection

This company was contacted by me with an attempt to pay this debt, however upon further review this account is not mine. I have been a victim of identity theft. this item needs to be removed from my credit at once.