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

There are multiple things that are wrong with my credit report and I have tried to fix these error 3 times now and now I have had to hire a firm to dispute this information because it seems Im getting no where with them to get these issues resolved. I have tried multiple times to get this fixed and they wont remove it. My first issue is with the over 40 hard inquires where someone tried to obtain a loan of some kind either online or with a personal loan company but i have over 40 attempts to get a loan that I cant seem to get any help to remove. 2nd thing is XXXX XXXX is reporting that I owe them money for a credit card that was a secured card not a credit card that i initially had to make a deposit of XXXX dollars and that was my credit line. Someone gained access to my card and went to a place that is now out of business and bought one drink at a bar multiple times and tipped the person XXXX and XXXX dollars multiple times. I contacted the company once I realized it and the owner told me what was going on so I reported it to XXXX XXXX and they were going to follow up and I never heard back from either one and since then I contacted the establishment where the card was used and they are now closed. XXXX XXXX and experian have done nothing to help me resolve these issues. 3rdly I  moved out of an apt and apparently the gas was left turned on even after I moved out I was told the tenant never turned the gas over into his name so I was charged for the 3 months that it wasnt switched over I eventually caught wind of it and contacted XXXX XXXX XXXX and they told me I needed to contact the new tenant and how am I supposed to do that from Arizona. This isnt fair the landlord should of made sure the new tenant signed up for XXXX XXXX XXXX rather then let my account be charged. I also had a credit lock on my profile for about a year so I dont know why I have multiple inquiries to obtain multiple car loans and personal loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Discrepancies in Credit Report Information Dear XXXX XXXX Team, I am writing to formally dispute the inaccuracies in the credit report information displayed on my XXXX XXXX account, specifically regarding the data sourced from Equifax. 

Upon reviewing my credit report on XXXX XXXX, I noticed that it shows 15 inquiries associated with my Equifax account. However, when I logged directly into my Equifax account, I found that there are zero inquiries listed. This significant discrepancy raises serious concerns about the accuracy of the information provided by XXXX XXXX. 

XXXX XXXX claims to obtain its credit report information directly from Equifax. If this were true, the information shown on both platforms should align. Instead, I am faced with conflicting data : XXXX XXXX displays a credit score of XXXX, while my Equifax report indicates a score of XXXX. This further emphasizes the inconsistency in the information being reported. 

To provide more context, here are additional details from my XXXX XXXX report dated XX/XX/XXXX : - **Name : ** XXXX XXXX XXXX XXXX XXXXCredit Score : ** XXXX ( Calculated using XXXX XXXX ) - **Employment Info : ** XXXX XXXX XXXX ( XXXX XXXX XXXX ) - **Addresses Reported : ** - XXXX XXXX XXXX XXXX, XXXX, CA XXXX - XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXXAccounts Overview : ** - **Real Estate Loans : ** XXXX XXXX XXXX - Reported : XX/XX/XXXX - Balance : {$0.00} ( In good standing ) - Opened : XX/XX/XXXX - Payment History : 100 % of payments made on time **Inquiries on Equifax Report : ** While XXXX XXXX lists 15 inquiries, my direct Equifax account shows none, further questioning the reliability of XXXX  XXXX reporting. 

Given these discrepancies, I would like to understand why there is such a divergence in the information provided by XXXX XXXX compared to what is presented by Equifax. I believe it is crucial for consumers to have access to accurate credit information, and the inconsistencies I have encountered are concerning. 

I kindly request that you launch an investigation into this matter and provide clarification regarding the source of the information reported on my XXXX XXXX account. Additionally, I would like to discuss potential compensation for the incorrect reporting that may have adversely affected my credit profile. 

For your reference, I have attached screenshots of both my XXXX XXXX report and my Equifax report, highlighting the discrepancies mentioned above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX Attachments : 1. Screenshot of XXXX XXXX report 2. Screenshot of Equifax report
Product: Credit reporting, credit repair services, or other personal consumer reports

My car got was in an accident and was destroyed. Ally sent me a bill with a date of XX/XX/2020 ). I paid online through my bank on XX/XX/2020. Prior to receiving my payment, and not even a month after sending the bill they put it as a " charge off ''. They sent a notice saying I was paid in full but did not retract the charge off and it has destroyed my credit. I tried fixing this with XXXX and XXXX and am getting nowhere. Please see attached documents.
Product: Mortgage

PNC 's has failed to comply with Dodd Frank regulations relative to loss mitigation underwriting. On XXXX XXXX, XXXX, counsel for the borrowers received a letter dated XXXX XXXX, XXXX from PNC 's Counsel. At no time prior to XXXX XXXX, XXXX were borrowers provided with this letter. On XXXX XXXX, XXXX borrowers law firm provided additional documents to PNC in response their request for additional loss mitigation documents. Given this XXXX XXXX, XXXX submission, PNC was required to respond on or before XXXX XXXX, XXXX as required by the XXXX enacted provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Public Law 111-203, 124 Stat. 1376 ( XXXX ) ( XXXX XXXX XXXX Final Rules ) Regulation X, which address servicers ' obligations regarding mortgage loss mitigation options, loss mitigation policies and procedures and evaluation of applications for available loss mitigation options. No such timely response was received. Next, the letter of XXXX XXXX, XXXX does not specify what documents were missing or what was incomplete. The letter stated in pertinent past as follows XXXX We have completed our review of your hardship assistance request under the Making Home Affordable Program ( MHAP ). However, we are unable to proceed further with your request for assistance, for the following reason ( s ) : - Request Incomplete We are unable to offer you a Home Affordable Modification because you did not provide us with the documents we requested. A notice which listed the specific documents we needed and the time frame required to provide them was sent to you. 
XXXX However, no such notice was provided with this letter and all prior requests for additional information were fully responded to, with counsel for PNC acknowledging receipt of the submission and confirming transmittal to PNC directly. 
Borrowers contend that this was a constructive denial of a modification. PNC has not complied with Dodd Frank regulations in connection with this modification application.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Inaccurate Information in Credit Report I am writing to formally dispute certain information that appears on my credit report. I recently reviewed my credit report and found a discrepancy involving an account that I believe is incorrect. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to dispute any inaccuracies or incomplete information. 

The specific item in question is listed as 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 XXXX XXXX XXXX XXXX XXXX XXXX on my credit report, which I believe to be inaccurate. I am requesting that you investigate this issue and correct any errors immediately. 

According to 15 U.S.C. 1681s-2, as a furnisher of information to the credit reporting agencies, you are required to report accurate and complete information. If any of the information provided by you is found to be inaccurate, you are obligated to correct it or notify the credit reporting agency to delete or update the entry.

Additionally, under 15 U.S.C. 1692g, I request that you provide the necessary documentation to validate the debt in question. Specifically, I would like to see proof that this debt is mine, including a copy of the original agreement, account history, and any supporting documents that substantiate the claim made in my credit report.

If this matter is not resolved or if you do not respond within the legally prescribed timeframe, I will take further action to protect my rights. This may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please be advised that I am exercising my rights under the FCRA to ensure that my credit report is accurate and fair. I expect a written response within 15 days of your receipt of this letter, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt resolution of this issue. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681s-2, which outlines responsibilities of information furnishers to credit reporting agencies, you failed to mark this account as disputed within the required 30-day period. This oversight constitutes a violation of this provision. 

Given this violation and my rights under the statute, I request immediate correction of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. This inquiry was not authorized by me. I have attached documentation to validate my claim.
Product: Payday loan, title loan, personal loan, or advance loan

When first starting the loan process it did not offer me what my payment plan would be such as how much the payments were supposed to be and when they were supposed to be taken out. All they gave me was an agreement which does not have any of the information listed above. It said that I was approved for {$500.00} but I did not receive that amount, I only received {$200.00} and the first payment came out and it was over {$100.00}. They did not give me any information on this and the login they provided to me does not work or you can not reach the website itself to get the information that you need. Every time you do so you put in what you think is your password then it says no account found and when you try to reset the password it says it is going to send a code to your email account and never does not even to your spam or junk folder.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 Sectign 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

Im rewriting to express my frustration and disappointment regarding the recent denial of my credit card application. Despite having high income ( XXXX ) having good credit score XXXX and a good customer for over XXXX  years and meetings all the necessary requirements, I was denied credit! The decision seem unjustified and I think it is due to my race. I would appreciate a prompt review of this issue with Navy Federal Credit Union. On top of that no reason was provided as required by fair credit act.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit XXXXXXXX XXXX XXXX XXXX XXXX, 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 a account without my written instructions
Product: Debt collection

I checked my credit report with Equifax credit bureau on XX/XX/2018 and noticed they put collection on my account. ( {$50.00} medical bill ) for service which i never recieved. Since i filed dispute over the phone with Equifax rep i noticed second collection on my account - exactly same amount, date and name of debtor. So technically they just copied same debt twice on my report. So now i have two collection records about same false medical debt. I called Equifax immediately and been on the phone with different people - reps, supervisors and managers. They all assure me this is not they fault and they just blame on collection agency ( XXXX XXXX XXXX  ) I already filed complain with CFPB about collection agency two times, first time they stated, they put only one report about this false medical debt. Second time is still no answer yet.
Product: Mortgage

SPS still has yet to respond to my Qualified Written RESPA Request sent via Certified Mail. In their recent response to me via the CFPB they claim that they sent the note and deed of trust. 
The PDF file contains a SECURITY INSTRUMENT signed by XXXX XXXX on XXXX/XXXX/XXXX related to XXXX XXXX XXXX XXXXXXXX XXXX. They lied again. Where is MY monetary instrument. 
Why did SPS attempt to collect payments and pursue foreclosure when XXXX clearly shows that pon XXXX/XXXX/XXXX the note was transferred to XXXX XXXX XXXX? 

XXXX Note XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX, XXXX XXXX Note XXXX Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently reported a fraud alert for accounts that were opened fraudulently. My police report was updated as other accounts were found. 
This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
1. XXXX XXXX XXXX  ( XXXX  ) 2. XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) The following inquiries are a result of Identity Theft and was not initiated by me. I demand they are DELETED IMMEDIATELY. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently viewed my credit report and I found several accounts with discrepancies on my credit report that l did not authorize. I would like for these accounts to be removed and deleted from my credit report immediately. Thank you. Accounts with discrepancies : 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 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S. C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the tollowing Items or information Any other adverse item Or Information, Other than records Or convictions Or Crimes which antedates the report by more than XXXX years 15 U.S.. 16815-2 ( XXXX ) A person shall not tarnish any information relating to a consumer to any consumer reporting agency it the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

Portfolio Recovery Associates did not validate this alleged debt before reporting to the credit bureaus, even though I have proof of receipt of a timely dispute, which I mailed within the 30-days as allowed by the FDCPA. After I wrote them more letters, they did finally respond. But their responses to my XXXX and XXXX requests for validation were completely inadequate. The documents they sent were nothing more than an itemized list, and a statement from an employee stating that the alleged debt belongs to Portfolio Recovery Associates. This in no way approaches the legal standard for validation. I informed their offices of this, and demanded that they remove their tradeline from my credit files. I have not received any other communication from them since. Portfolio Recovery Associates also failed to mark their tradeline as disputed on reports, and has continued collection activity. Each XXXX of these violations of the FDCPA carries a {$1000.00} fine. I have submitted a formal dispute with the credit bureaus. I am also filing formal complaints with the Federal Trade Commission, the XXXX, and my state Attorney General, in addition to filing this complaint with the Consumer Financial Protection Bureu. I am also strongly considering pursuing this matter in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a copy of my credit report after both my husband and I received a call from a bill collector that we were not affiliated with. Upon further research we both seen that there was a lot of accounts and other personal info on our reports that neither one of us authorized or belong to us. I filed a police report, an identity theft report, and disputed with all three major bureaus. They still have not been removed and its been months.
Product: Debt collection

They violated the cease and desist order. I called to verify that the account had the order on it, and they are mailing me threatening debt collection communication anyway. 

Letter was dated XX/XX/XXXX. Received on XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

I was scheduled to be on a cruise that was cancelled by XXXX   XXXX XXXX due to the corona virus. I requested a refund to the original form of payment. I was told that I had to request the refund online but the website was not working. I called XXXX  numerous times and was not helped. I disputed the charge with American Express. XXXX told them that I was given a future cruise credit and that the refund was being denied because I had not requested it within 45 days. I attempted to get the refund numerous times within 45 days so this is not true. Also, they did not provide the refund policy to me when the cruise was cancelled. They are required to provide this by law. American Express has closed the dispute despite the fact that I paid for a service that I did not receive. The credit issued by XXXX was only for half of the amount that I paid. Also, the law is clear that they have to refund the taxes and fees. This is theft and American Express is allowing it.
Product: Debt collection

The collector who is the original creditors, has continued to report inaccurate information pertaining to this charge of account. The date of the my last payment for this account XX/XX/2014 and the remaining principal balance is {$440.00}, This should be the balance showing on the last statement from the lender. The same amount should also be shown on my credit report as the balance due for the delinquent account. creditor continued to add interest without providing a monthly statement or the original contract so that I may verify what that rate should be. the debt collector is claiming about 60 % more than the principal balance at the time of last payment. I am not able to verify what that rate is because the collector has not provided any statements, the state of Georgia max interest on a charge off account is 6 %. If the collector intends to add interest please provide statements reflecting such charges, and refrain from unfair debt collection practices. I have multiple copies of credit reports where the collector continues to charge the dates, amounts, status of charge off,
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX