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

Some inquiries pop up on my credit report that I did not do or apply for it was fraud I would like to dispute 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  all of these are fraud I would like it removed please
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX to remove old items from my credit report. There are accounts from XXXX still being reported and they are well over 10 years old. My student loan accounts are only to be reported for seven and a half years however my account State back to XXXX and XXXX 9 and 10 years old and still being reported on my credit report. I want all of these removed immediately. It is preventing me from having a score high enough because the debt to income ratio is unbalanced. I realize that as a XXXX woman in this society it's harder to obtain credit and the hard work that I'm putting into improving my scores are being impeded by this incorrect and false information. Also XXXX keeps reporting Midland credit who is not a creditor of mine and XXXX XXXX XXXX which is also an account that I do not have. I have asked for proof I have asked for validation and they have refused to give it to me. I need all of these accounts removed from my credit report
Product: Debt collection

They call over and over. They say they dont care and will keep calling. Even though I told them Ill send a cease and desist letter.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an ongoing issue with the reporting of an account that I believe is inaccurately reflected on my credit report. After reviewing my recent credit report from your bureau, I have found that the account XXXX Mortgage, XXXX continues to report incorrect information, despite my prior attempts to rectify the situation. 

As outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, 1681s-2, and 1681c, I am requesting that you immediately take action to ensure the information regarding this account is fully corrected and that the updated and accurate details are reflected in my credit file. 

Under 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and complete information. Furthermore, 15 U.S.C. 1681s-2 places responsibility on furnishers of information ( including creditors and financial institutions ) to report accurate data to the credit bureaus. Lastly, 15 U.S.C. 1681c sets clear guidelines regarding how long negative information, such as charge-offs, should remain on a credit report, and mandates that any outdated or erroneous data be promptly removed. 

If the inaccurate information continues to be reported, I will have no choice but to pursue legal action against your organization for violating the FCRA, as it is essential that all information reported on my credit report be accurate and in compliance with federal law.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Transunion 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 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, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX Premium Credit Burea XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I attempted to get them to dispute the matters and they left it verified when I never gave any consent to give out my information or put anything on my credit
Product: Credit reporting or other personal consumer reports

I had made a dispute on XX/XX/XXXX due to XXXX XXXX saying my XXXX XXXX  XXXX credit card increased balance by {$150.00} when it didnt. It too XXXX point off my score. Then today I logged in and I saw that my credit card was deleted and I lost an additional XXXX points off my credit score. A score which I have worked very hard for. 
I am very disappointed with the results and I am hoping that I get my full XXXX points back into my credit score since this is an issue/mistake made by credit karma from Transunion Report XXXX I would also like my credit card to be added on to my account for XXXX XXXX without losing anymore points. 
Here is the file number for the dispute XXXX
Product: Mortgage

I have my mortgage through Planet home lending. This company has not paid the taxes on my property. This has been going in for months. I was notified of the problem in XXXX. Since then I have sent documents, filed complaints and email them regularly. Here it is in XXXX & they problem has not been solved. I have spoke to the taxing agency who reported that Planet has yet to reach out to them. I am constantly given the run around & supervisors don't take my call & don't call me back. I am now being sent to collections because Planet will not pay the taxes to the school district or township that is owed & past due.
Product: Checking or savings account

In XX/XX/2021 I was scammed out of {$1300.00} using the XXXX app. I accessed the app using my Bank of America account and believed that my purchases were protected. I became aware of the scam almost immediately and contacted the bank. They told me they would not help me and told me to contact XXXX. XXXX also declined to stop or reverse the transaction.
Product: Checking or savings account

Pnc bank has denied XXXX of my disputes I submitted in relation to an Unauthorized charge for XXXX $ I have reported this dispute 3 times it has been denied the reason for denial is because I did XXXX XXXX XXXX transactions which physical card is not needed for 3rd party transactions. They havent even tried to conductive any research just denies the Unauthorized transaction within a day of me submitting it no temporary credits anything I have been banking with them for over a year I feel like an outsider the way I have been treated by this bank no one will help me with this. Bank is supposed to help you when a victim of fraud this bank has done the opposite which caused damages to my small business looking to hiring an attorney general to help me regain access to my stolen funds unauthorized from my account.
Product: Bank account or service

I 'm writing about a personal banking issue I had with U.S. Bank. In 2013, U.S Bank opened a reserve line on my behalf, at the suggestion of a personal banker. It was pitched to me as overdraft protection. The problem is that the instrument was not properly explained to me over the phone and thus I was unaware that in the event of a negative checking balance, the reserve line would be drawn upon, rather than simply dipping into my savings. The banker did not tell me this crucial fact. Over the course of 3 years, I received a number of unnecessary and extreme interest charges totaling around {$800.00}. I believe the following : 1 ) This instrument was " sold '' to me improperly 2 ) It was not properly explained by the banker ( the process to authorize by phone and there is no paper trail to show that I understood the penalties or how the instrument worked ) 3 ) It amounts to fee gouging and does not alert consumers clearly that they are drawing on this expensive line ( had I known this, I could have simply replenished my checking account ) I 've been on the phone for multiple hours with low level online banking support and through a branch. They tried to be helpful but did n't have the authority to move this along. 

I am diligent in my review of my monthly statements but they are not laid out in a transparent manner and this reserve line was buried on page XXXX. Yet another reason I do n't believe the reserve line was issued or managed in a transparent manner. 

Because my initial conversation about the reserve line with the U.S. Bank banker was in XXXX of 2013, U.S. Bank claims they no longer have a record of that voice conversation but rather I should trust that the benefits were explained clearly. I disagree with this assertion. 

CFPB is a great resource and I thank for your consideration. I look forward to hearing back. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I received an email from Alliant Credit Union ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) on XX/XX/XXXX stating that I was 'pre-approved ' for an auto loan to refinance my car. I filled out an application and was advised by someone in their auto loans department that I was approved for a loan up to {$10000.00}. I applied for {$11000.00}, but could pay it down to XXXX with no problem. On XX/XX/XXXX, I asked them how long the loan offer would be good for, I was told it was good until XX/XX/XXXX. I received a message later that same day saying the loan was declined. 

I called and spoke with a supervisor by the name of XXXX who stated that they need two years of tax documents in order to approve the loan and since I started my current job in XXXX of XXXX, I wouldn't have two years of tax information, just XXXX year and 9 months ( something they already knew from my application before telling me that I was approved for up to {$10000.00} ). I was doing different work before my current job and could have provided those tax documents in addition to my current tax documents. 

They initiated first contact through email to tell me that I was pre-approved, I have a good credit score, I only have onXXXX loan and that's the loan I was refinancing through Alliant, I've had this loan for over 2 years and haven't missed a single payment. I meet the income requirements to justify said loan, and it seemed as though they were trying to find any possible loophole to deny my application. 

I'm requesting that you guys thoroughly investigate Alliant Credit Union to see if they have a history of making it more difficult for non-Caucasian people to get loans and if they routinely deny applications from XXXX numerical minorities while approving loans for Europeans Americans who have similar credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these accounts were erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter on XX/XX/23 stating I had a right to cure default payments and that the last date of payment was XXXX/XXXX/23 for my friends co-signed vehicle. He made his payments on time which reflects in the screenshots and shows he has not past due payments but my credit score dropped XXXX points from this. I would like it resolved and fixed if possible, I personally just paid off my car and would like to reap the benefits of an accurate credit report, especially because my boyfriend and I are trying to buy a house in a few years.
Product: Mortgage

I OTAIN A LOAN IN XXXX FROM XXXX XXXX XXXX XXXX THEY RETURN FILE IT IN A BOGUS TRUST THAT WAS FAKE THE FEDERAL GOVERMENT SHUT THE MORTGAGE DOWN IN XXXX MY PAYMENT WENT UP FROM XXXX TO XXXX IN A YEAR I MANAGE TO PAY IT UNTIL XXXX, A COMPANY CALL WITH NAME CARRINGTON MORTGAGE TO SEND PAYMENTS TO THEM XX/XX/XXXX XXXX SO I DID IN XX/XX/XXXX I WROTE THEM ASKING TO VALIDATE MY LOANS AND ALL THE PAYMENTS THE SAID THAT THEY COULD NOT ONLY COULD DO XXXX I DISCOVERSD THEY WAS THE WRONG COMPANY THAT I WAS PAYING I STOPED IN XXXX A FORECLOSER WAS FILE I FOUND THAT A FAKE MORTGAGE ASSINGMEMT WAS FILED IN THE COURTS XXXX THEY DROPED THE CASE AFTER LOOSEING A SUMMARY JUDGEMENT CAN BACK IN XX/XX/XXXX CASE NUMBER XXXX IN XXXXI FILED A MOTION TO STRIKE THE FAKE ASSINGMENT FROM THE RECORD THE ASSINGMENT WAS THE SUBJECT MATTER OF THE FORECLOSER GAVE THE STANDING TO FORECLOSE, COURT GRANTED ME THE MOTION BECAUSE THE WERE NOT THE RIGHT PARTY .XXXX XXXX XXXX XXXX AS TRUSTEE IS THE ONE WHO SUPPOSEDLY FORECLOSEING BUT THE TRUST DONT EXIST DBNT HAS A VERY LONG HISTORY OF CRIMES MORTGAGE FRAUD TAX EVASION MONEY LAUNDERING BILLIONS OF DOLLARS IN FINES THE HAVE CORRUPTED LAWERS FILEING FAKE DOCUMEMTS IN COURT THEY FILED A MOTION TO DENY MY RIGHTS TO A JURY TRAIL A YEAR AGO MOTION PENDING, SO THEY FILE A ORDER TOHAVE THE MASTER AND EQUTY JUDGE XXXX XXXX SO HE RECUSE HIM SELF WITH OUT A HEARING DUE PROCESS SO HE PICK A SPEACIAL REFEREE XXXX XXXX XXXX .NOW XXXX XXXX AND THE BANK LAWER WHO ARE TRYING TO FORECLOSE XXXX XXXX WORKED IN THE SAME LAW FIRM AT ONE TIME THE JUDGE SHOULD HAVE NONE THIS THIS CASE SHOULD BE SCHEDULED TO BE HEARD BY A JURY IN CIRCUIT COURT JUDGE THE ARE TRYING TO GET THE COURTS TO DO DIRTY WORK BECAUSE THE LIED AND CANT PROVE THEY HAVE THE RIGHTS TO FORECLOSE THEY ARE SO CORRUPED I FEAR FOR THE SAFTY OF MY FAMILY I CAN EXPLAIN IN MORE DETAILS IF NEEDED PHONE NUMBER XXXX I AM GOIN TO TURN THIS OVER TO THE FBI ITS TO DANGEROUS THE BEEN HARASSING MY FAMILY AND TRYING TO FORECLOSE FOR 12 YEARS I HAVE A LAWER AND HE IS AFRAID I AM A XXXX XXXX  XXXX XXXX XXXX XXXX I FOUGTH FOR MY COUNTRY NOW I FIGHTING TO SAVE MY HOUSE IN THE COUNTRY I WAS WILLING TO DIE FOR THANKS
Product: Mortgage

Servicer refused to remove PMI ( which is a violation of federal law ) after I provided verification of home value and loan being less than 80 % of that value. I provided comparables and justification and was willing to do an appraisal, but they would not do an appraisal because they say that there must be significant home improvements in order to justify the value. 

Such a rule from their " investor '' they say -- according to all that I have read online on federal code, there is no such justification for such rule, and that rule in this situation is causing the servicer to violate federal law. I plan to pursue legal action.
Product: Checking or savings account

US Bank, Ohio. 
Received 1099-INT Saturday for {$500.00} on XX/XX/XXXX. 
After researching my checking account for all of XXXX, the only item this could be referring to is for : XX/XX/XXXX shows + {$500.00} credit " Adjusted Interest ''. 
This should have been " XXXX payment received '' as I sent money to myself from other banks to pay my own USBank credit card. 
USBANK did not give me a free {$500.00} - this is an error.

In fact, I do not have any interest bearing accounts at all with USBANK ; I have 1 credit card and a non-interest bearing checking account. 
I did the numbers - I'd have had to have {>= $1,000,000} at .05 interest for a year to earn {$500.00} interest.

( I don't have nor have I ever had that kind of money ). 

Called Saturday XX/XX/XXXX XXXXXXXX XXXX to USBANK - spoke for 45 min, was told I'd get a call back later Saturday. No calls Saturday or Sunday. 

Called USBANK again XXXX on Monday XX/XX/XXXX XXXX XXXX  Spoke to XXXX- she submitted a form to get an interest amount corrected. 
XXXX called back 2-3 days later and told me to call back in for a 3rd time in XXXX ; nothing could be done until after XX/XX/XXXX and all the 1099s have gone out. 
Pretty silly they can not fix a simple error after 2 long phone calls.

XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted EXPERIAN by XXXX Mail and informed them that they are reporting false and negative information on my credit report. I requested a detailed investigation be performed. On XX/XX/year> I received a letter from Experian stating they performed an investigation and my information came back as verified with no further information. On XX/XX/XXXX I sent a letter to Experian requesting information about their investigation, I asked for a detailed report. I also told Experian they have the wrong person, my name is very common. On XX/XX/year> I received an email from Experian stating that an investigation was performed and my information came back as verified with no further details. On XX/XX/year> I contacted Experian by registered mail and informed them they were XXXX violation of XXXX XXXX XXXX XXXX. To date Experian has not provided me with any information about their investigation and how they arrived to their decision. Experian does not perform any investigation they just send a generic letter. Their customer service is extremely rude and unhelpful. They can never provide any details and proof. Experian is making my life very difficult.
Product: Debt collection

To whom it may concern my name is XXXX XXXX and I am not a third party company. You are in violation of the HIPPA act and law. I am contacting you regards to an account that was placed and listen on my consumer report. First of all it is personal medical information that was placed on my consumer report. I didn't give anyone consent to place any of my personal medical information or share it with anyone other than myself. Without my written consent no person, or company have the right to do so. This is a criminal act and violation that you have committed and I have contacted the attorney general and FTC to let them know that your company is violating my privacy rights. You could be charged and this is a criminal act. This is my final attempt to resolve this matter and for this debt to be removed due to sharing my medical and personal information with a third party other than myself.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report, reported by XXXX  and reflected on my report with TRANSUNION. I do not recognize this account, and I believe it has been included on my credit report without proper authorization. 
I submitted a formal dispute with TRANSUNION, requesting verification and removal of the account in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), which require that only accurate and verifiable information be included on my report. Additionally, I cited Section 604 ( 15 U.S.C. 1681b ), which mandates that all access to my credit report must have a permissible purpose. 
Despite my dispute, TRANSUNION responded by marking the account as " verified '' or " updated '' without providing any documentation or evidence supporting the accounts validity. I believe this is a violation of my rights under the FCRA, as credit bureaus are required to conduct a reasonable and thorough investigation, and failure to do so can result in liability, as upheld by case law like Cushman v. Trans Union Corp. 
Additionally, the actions of TRANSUNION and XXXX may constitute a violation of the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) standards. By retaining unverifiable information on my report, they are potentially engaging in deceptive or unfair practices. This inaccurate information has negatively impacted my credit score, affecting my financial standing and access to credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

There shouldn't be any payments or late payment reporting on my report 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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. 

15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.