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

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Home improvement loan with GreenSky. Work  completed and XXXX XXXX XXXX submitted bill to GreenSky XXXX week in XXXX. I received 1st bill on XX/XX/2020 listing statement for period ending XX/XX/2020. Loan states no prepayment penalty. I called to verify the loan balance and was told that though the loan was for {$28000.00} my payoff amount is {$28000.00}. How can interest be charged if I am paying off the entire loan with the 1st statement?
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

Charge Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX. 
XXXX California XXXX FL XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX - XXXX Date Opened : XX/XX/year> Balance Due : {$2400.00} Account # XXXX These accounts are involved in litigation. 

UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday, XX/XX/2023 I received a notification via email ( from my XXXX credit account ) that there was a hard inquiry made by XXXX XXXX. I called them to dispute and they said it was a personal loan application made through XXXX XXXX ( a company like XXXX XXXX ). I did not apply for a personal loan. This was a fraud. 

I placed a freeze on my social security number and have already contacted Experian regarding the fraud. I was told by both XXXX  and Experian to file with FTC to get this off of my credit report ASAP. 

I am going to call the other 2 credit bureaus today.
Product: Student loan

I graduated from XXXX XXXX in XX/XX/2021, and like many of my classmates began working in the Fall, in XX/XX/2021. I work for a XXXX XXXX. I applied for public service loan forgiveness certification. I have XXXX XXXX and XXXX XXXX loans. I was told that my public service for XX/XX/2021 and XX/XX/2021 would not count towards XXXX for 3 of my 6 loans. Mohela told me this was because those loans were in in-school deferment until XX/XX/2021. The loans were also in temporary forbearance under the Department of Education policy due to XXXX, so no one thought it would matter whether the loans were technically in forbearance or deferment. It also seems odd that only some loans were in in-school deferment until XXXX and not others. I think we should get credit for any public service regardless of whether I'm in temporary forbearance or in-school deferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR SIR/MADAAM, I am contacting you about the compromising of my social security number. I am a victim of fraudulent information. I am writing to request that you block the following unauthorized information come to take place. I pulled my credit report and there are accounts on my credit report that are not mine and are UNATHAURIZED. I am filing a police report in Georgia and I filed a complaint with the Federal Trade Commission which is attached. Please block and remove all information from my credit report, and send an updated copy of my credit report. The following items does not belong to me and is a result of fraud that I did not authorize. 

Account XXXX, Account XXXX XXXX- XXXX
Product: Debt collection

In XXXX 2015 I had a visit to the emergency room which resulted in a {$75.00} remaining balance after insurance. I paid that balance before the deadline, and there was no issue. The bill was never sent to collection. Recently I checked my credit history, and found a {$75.00} debt that is marked as unpaid and " derogatory '' that was sent to collection on XXXX XXXX, 2015. I called the hospital billing department, and they confirmed, that bill was paid and never sent to collection. They sent me an itemized receipt as proof of payment. I want this collection removed from my credit report and credit history, as it is a debt that was never " derogatory '' or even late. I do not recognize the creditor, which is labeled as " PMAB LLC. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

THey refuse to remove fraudulent inquires from my file even though i have sent them a police report
Product: Mortgage

My mother XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX, SS # XXXX ) hereinafter XXXX. is alive and living in the XXXXXXXX XXXX vicinity On XXXX XXXX XXXXXXXX did sell to me, XXXX XXXX XXXX, hereinafter XXXX, son of XXXX, the property at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, hereinafter : home The sale documentation was done by XXXX  XXXX XXXX and witnessed at his office in XXXX on XXXX XXXX, both XXXX and XXXX present XXXX was living with her Brother XXXX at his home in XXXXXXXX XXXX through the entire period of this memo, he has since passed. 

On XXXXXXXX XXXX my mother did originate a new loans from PNC while XXXXXXXX XXXX at a PNC location in that vicinity. 

Deed was registered in XXXX XXXX Clerk of deed on XXXX XXXX  At XXXX XXXX with both physical and XXXX XXXX issues identified and growing in severity over past 3-4 years was relocated from XXXX XXXX XXXX XXXX XXXX by my sister XXXX XXXX within the last year, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not know about this loan and now PNC is foreclosing on the illegal loan my mother took out 6 months after she sold the house to me.
Product: Vehicle loan or lease

Volvo had the incorrect contact info on my account that they input on their side. Phone number was wrong by 1 digit. They did not withdraw the funds from my account correctly and were unable to reach me because of this. I was sent a letter in the mail that stated that my auto-pay was setup and should have withdrawn funds on XX/XX/XXXX fpr {$560.00}. This did not occur until XX/XX/XXXX. They are stating that someone was update don my account that they can not verify. Because they input my phone number wrong on their side should not be my fault that they could not reach me correctly. I did not receive one email or phone number from Volvo stating that my account was past due.
Product: Credit reporting or other personal consumer reports

Experian is allowing companies to report to my credit report without validating its accuracy despite my several requests asking them for a thorough investigation. XXXX XXXX XXXX has provided inconsistent and incorrect information across all three of my credit reports, violating the Fair Credit Reporting Act ( FCRA ). The FCRA requires that ALL information reported on credit reports must be accurate, complete, and timely. XXXX XXXX XXXX has failed to meet these legal standards and Experian refuses to do a through investigation like XXXX and XXXX. Their negligence in reporting is harming my credit standing. Demand that Experian remove the account immediately. Made several requests to Experian, telling them I never gave XXXX XXXX XXXX access to my credit report and that my social security information was stolen in data breach. They refused my requests without taking any steps to verify the accuracy of the information. Urge you to address this issue promptly and ensure compliance with the law. Thank you for your assistance.
Product: Debt collection

XXXX XXXX XXXX internet account # XXXX was closed on XX/XX/2018, in connection with the sale of our home and a move to another geographic location. At that time we were verbally assured by an XXXX XXXX XXXX representative that because we were moving to a location not serviced by the company ( XXXX XXXX ) our account would be closed with no further liability to us. On XX/XX/XXXX, we received an invoice in the amount of {$140.00}, an amount that was described as an " early termination fee ''. On XX/XX/XXXX we again contacted XXXX XXXX XXXX, via telephone, and we were advised to disregard the invoice, and again, assured that no further fee was due. We subsequently called the company in XXXX of 2018, and received a confirmation from them that our account contained a " XXXX balance '', and that it was closed. 


That original {$140.00} charge was, instead, sold to a collection agency ... XXXX ( XXXX TX ), who then subsequently demanded payment from us and issued a negative report to the various credit reporting agencies.
Product: Money transfer, virtual currency, or money service

PayPal has refused to engage in dialogue to resolve dispute case XXXX and has practiced avoidance tactics ignoring complaints and hanging up call PayPal has refused to resolve case with following information despite attempts from all parties ( bank, vendor, and myself ) to close out : Original transaction date : XX/XX/2018 Amount : {$450.00} USD PayPal account : XXXX is ( XXXX ) XXXX XXXX. 

Dispute Case : XXXX Receipt : XXXX PayPal needs to immediately refund the {$450.00} to resolve this transaction. PayPal is holding payment without consent of any involved parties. 


PayPal is using deceptive customer practices to delay attempts to resolve this issue by refusing to engage in a direct conversation with a competent employee. When asked to speak to management, they have terminated my calls. PayPal needs to properly respond to my issue. 


Thank you, XXXX
Product: Credit card

I am filing this complain against M & T Bank which has filed a late payment with XXXX credit card bureaus. In 2013, My employee stole my credit card and used it. I was not aware of theft until I received a past due bill from M & T Bank for {$410.00}. I paid this bill as soon I realized that my credit card used by him. Despite many pleas to the bank to remove late payment from my credit, they have refused to do. It has been four years since this late occurrence, my credit has been damaged by one single late payment. Bank was sending minimum balance, however, I paid the entire balance. I will ask you to have bank remove this late payment. Because of late payment on my credit, i can not refinance my house or buy a car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXXXXXX {$85.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In a complaint dated XX/XX/XXXX to the CFPB regarding XXXX account # XXXX the original creditor ( XXXX ) has acknowledged in writing that the last payment on this account was XXXX XXXX for XXXX forwarding this letter to Experian in XXXX dated XX/XX/XXXX # XXXX, and on XX/XX/XXXX # XXXX and XX/XX/XXXX # XXXX, Experian continues to parrot their XXXX system and not properly investigate the issue of two additional payments appearing on this accounts payment history for the months of XX/XX/XXXX and XXXX XXXX are willfully and neglectfully reporting information that does not exist, see original crediter letter and credit reports from XXXX XXXX and XXXX XXXX 
The FCRA says I am entitled to an accurate and error free credit report, but Experian seems to think they can report what they want. 
I demand that Experian be sanctioned for willfully violating the FCRA with undue malice as this erroneous reporting has caused me financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 Post hurricane I knew I needed a new place to live and finalized a lease. The landlord ( XXXX XXXX ) requested XXXX. Knowing XXXX initially limits new recipients amounts I sent first transfer XX/XX/XXXX. On XX/XX/XXXX I arrived at new apartment to finalize the lease. The power was still out. I tried {$600.00}. the bank was supposed to text me a code but it never arrived. I requested a second but it did not populate and bank website logged me out. I logged back in and sent the {$600.00} but somehow I was notified it was sent to XXXX XXXX. I immediately called the bank who told me too late funds dispursed. ( later the bank claims person says it was documented I called at XXXX on the hour and funds released XXXX. ) I immediately verbally file a dispute and sent {$600.00}. to XXXX XXXX. I then paid the remaining amounts to XXXX over the next few days.The claims department told me case closed nothing could be done because a token came from my phone. 
XXXX XXXX texted me asking why I sent the money. I told him error. He said he knows XXXX and thanked me for the money. The bank never contacted me prior to closing claim and then said it's out of their hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account # XXXX, disputed this many times over the last 2 years and came back verified event thought all information was wrong and was being reported differently by each bureau, supplied hard copy info and they ignored and refused to investigate, after having reporting incorrect information for the last 2 years, violated my right to have only 100 % accurate information on my report XXXX has already removed this entry
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the credit bureau AGAIN & AGAIN that I was the victim of identity theft. Per FCRA section 605b credit bureau are required to remove/block any item 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. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00}.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer. 

Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have had an untroubled account with XXXX XXXX XXXX, acct id XXXX, for many, many years. Last year I lost my card, reported it, and they sent a replacement card with a new number. After having not used my card for a long time, months, I tried to make a small online purchase and it was declined. When I called to find out about the problem, I was told XXXX made an automatic purchase to my account for {$40.00}, and I was never notified. The payment due was late at that time with an additional {$27.00} late fee attached. I asked on the phone why was I not notified by mail or email. They had no answer. 

I filed a dispute. They required me to wait for their postal mail document. On XX/XX/XXXX, I received their mail-out and the due date was XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX   stating that they tried to reach me by phone on XX/XX/XXXX, and since I did not answer the disputed amount {$39.00} will remain on my account. I did mail a completed and accurate dispute form as they required on XX/XX/XXXX. Apparently, it was too late for their unreasonable expectations. 

I did not authorize this purchase for virus protection for an old computer I rarely use. 

How is it possible that XXXX can put something on my card unbeknownst to me and I can't make one charge on my own card? I also had trouble getting onto their website to access my account. I CAN'T ACCESS IT BUT APPARENTLY ANYONE ELSE CAN. 

Also important to note is that I did not receive any postal mail or email about this illegit purchase UNTIL I told them about that over the phone. Suddenly I can receive all kinds of mail and email from them. My email has been the same for years. My phone number and mailing address has been the same since XXXX. 

On XX/XX/XXXX I called XXXX again and told them to close this account immediately. I assume they did. 

XXXX  sent me an email on XX/XX/XXXX telling me my payment is due XX/XX/XXXX. They have sent me no acknowledgement that they received my dispute. 

How can it be that someone, anyone can access my account and I can't? How can the CFPB allow credit card establishments to behave so unreasonably.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried telling the credit bureaus that this information on my credit report is incorrect ( as the picture below shows ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and my payment history is all wrong. The only bureau that was mostly correct was XXXX, and even their report was inaccurate with my no payment history.
Product: Mortgage

During the summer of 2021, my now ex husband and I were finalizing the terms of our divorce. In doing so, we decided to refinance our marital home to lower the monthly payment to make it possible for me to afford it for my children and me on my fixed income. For this refinance we worked with EMM Loans. During the process, we worked with XXXX XXXX to determine best options to lower the monthly payment from the existing ~ {$5100.00} per month on a XXXX fixed mortgage at 4.15 % with XXXX remaining. As the outstanding principle would be in jumbo territory, XXXX advised us in order to take advantage of the low interest rates at the time to use a combination of a fixed XXXX mortgage and a variable rate HELOC set to prime lending rate minus 0.5 %. 



We were concerned at the time about the potential for the HELOC interest rate to rise. In fact, we told XXXX we were extremely risk averse and did not want to finance the home with an ARM. However, XXXX informed us the HELOC was not an ARM and the HELOCs interest rate could be fixed at any time we wanted with the caveat that then we could no longer borrow against the HELOC after that point. He stated that one can fix the HELOC once the prime lending rate rises and it becomes just like another fixed mortgage. Later once rates began to rise we contacted XXXX to request the interest rate be fixed. On several occasions when the prime lending rate was below 4 %, we were advised not to do so by XXXX because the rates would likely level off or come down. Eventually, as rates continued to rise above 5 %, we contacted the senior VP EMM Loans, XXXX XXXX, to request the interest rate be fixed. XXXX informed us in email that XXXX no longer worked for XXXX loans. XXXX also stated in writing that the information XXXX provided regarding fixing interest rates on not just our HELOC but ALL HELOCS was incorrect. Thus, EMM Loans acknowledged that they were allowing a representative to misinform and mislead clients about lending terms. 

Please see the attached email correspondence which documents XXXX XXXX acknowledging the ability to fix the rate of the HELOC.