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

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : REVVI/MRV - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCED {$420.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXXXXXX BALANCED {$700.00} XXXX XXXX XXXX BALANCED {$0.00XXXX XXXX XXXXXXXX XXXX {$480.00} The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Credit reporting or other personal consumer reports

Subject : Urgent : Address Dispute and Breach of Personal Information Dear Equifax Dispute Resolution Team, I hope this message finds you well. My name is [ Your Full Name ], and I am reaching out to address a critical matter regarding my personal information that has been breached, compromised, and fraudulently used by a former employee. 

In support of my dispute submission, I have attached the necessary documents through the Equifax XXXX XXXX, as per the outlined procedures. XXXX, I must express my deep dissatisfaction with the lack of fairness and attention my case has received from Equifax. 

The specific concern at hand pertains to the inclusion of an address that is inaccurately listed in my file. This address, a po box XXXX is not only outdated but also fails to reflect my current residence. It is crucial to emphasize that I neither receive mail at this po box nor is it representative of my current address, which I have owned for over XXXX years. 

Equifax 's failure to promptly rectify this discrepancy has not only compromised my standing as a consumer but also as a creditor to my estate. Given the urgency of the matter and Equifax 's apparent negligence, I am left with no recourse but to consider legal action if the inaccurate address is not promptly deleted and amended to reflect my accurate and physical residence. 

I trust that Equifax will address this matter with the urgency and seriousness it deserves to avoid further legal implications. 

Thank you for your immediate attention to this pressing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXX XXXX XXXXXXXX XXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XXXX XXXX. 




Inaccurate reporting, should not be reporting according to 15 USC1681e ( b ).
Product: Mortgage

In 2019 as I was looking for a way to tap my home equity for needed house improvements I did not qualify for typical home equity products as my debt to income ratio was too high to qualify due to having student loans, despite an excellent credit score and stable income and a salary. I found Point Digital Finance on a social media site and inquired about tapping my home equity. I was told that I could have an option and get a loan as long as I shared a " capped " amount of equity for the duration of the loan that was gained on my property. This seemed like a reasonable deal on the face of it and I agreed and borrowed XXXX of my equity understanding that I would share 22.7 % of the appreciation the house gained when the loan was to be paid back. We went through closing and I signed papers and I was given the XXXX. Now, I want to pay back the XXXX and expected to pay the 22.7 % shared appreciation for the term of the loan. Upon requesting a payoff price from Point Digital Finance I was told that the " cap '' was not a " cap '' but compound interest and that they " risk-adjusted '' my property for 18 % giving my property an 18 % decrease in value at the time the loan was taken out. Furthermore, they valued my property according to their own appraisal which is XXXX more than what XXXX or other online property valuation tools say. So adding the undervalued ( 18 % risk-adjusted amount to the overvalued appraisal amount it seems that my loan of XXXX, XXXX is now at the very least up to XXXX approximately resulting in way over 100 % interest charged on the original loan amount. The language of a " cap '' on the amount for me to be paid was false advertising as there seems to be no cap. Furthermore, there is a lien on the title which I was told there would not be as it is a share of equity and I still own my home. This company is absolutely predatory and taking advantage of legal loopholes in their fine print to dupe innocent homeowners into a loan shark scenario. This should be illegal and Point Digital Finance is guilty of false advertising, predatory lending, and violating consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I called XXXX to ask about an unauthorized credit inquiry placed on my credit report without my consent that I have no knowledge of, with the inquiry date placed on my XXXX  and XXXX  credit report of XX/XX/XXXX. I spoke with XXXX with I.D . # XXXX and also XXXX in the the " trade line reporting department ''
Product: Debt collection

I received notification that my wages were being garnish for an paid  XXXX bill that I have no recollection of. I never resided at the address listed on the bill and I was also XXXX at that time. The amount of the bill is XXXX . I have never heard of the company and I only learned of the debt from my employer. I do believe this debt is over 15/16 years old, and I don't understand how they are able to garnish me after all these years. I have been a resident of Pennsylvania for over 12 years. This debt is for a New Jersey address that I never resided at or ever had listed as my place of residence.Any information regarding this matter will be helpful,Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I detected these hard inquiries on my credit report which are unauthorized and I do not have knowledge about. I reached out to all 3 credit bureaus to have them delete. Only XXXX did but Transunion and XXXX are still reporting inaccurate informations on my credit repor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Arvest Central Mortgage company is charging me for PMI insurance past the termination date. Loan documentation ( which they purchased the loan from the original bank ) clearly states that XX/XX/XXXX is the termination date of PMI. Additionally and most importantly, my amortization schedule for the loan very clearly states that on the XX/XX/XXXX payment date, that {$0.00} is due for PMI. 

However, they are stating that I owe PMI payment for my XX/XX/XXXX payment in the amount of {$100.00}. 

I feel they failed to automatically cancel my PMI insurance and I had to call on XXXX to have it cancelled. Since they systematically failed to cancel my insurance, they are over charging me for 1 month and claiming that i owe. They are unable to provide any loan documentation on their end to prove to me that the amount is owed. 

I am concerned for my {$100.00} and also that this is a procedural failure on their end resulting in the overcharge of many others. 

In several phone calls to them, I have been unable to convince them that PMI insurance is not owed on my XXXX payment. 

I have attached 4 files : 2 are the Private Mortgage Insurance Disclosure 2 are the Amortization Schedule ( which shows XX/XX/XXXX payment to have {$0.00} PMI due ) Loan was taken with XXXXXXXX XXXX  and purchased by Arvest My Arvest Central Mortgage account number is XXXX Property Address : XXXX XXXX XXXX XXXX, MI XXXX Kindest Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft while XXXX XXXX XXXX. I have reached out to these companies to remove all fraudulent addresses and hard inquiries from my credit report. I havent received any response in over 6 months.
Product: Debt collection

I had credit card debt with XXXX XXXX. I never received notification from Midland Credit stating that they took over this debt from XXXX XXXX, Nor have they even tried to contact me. They sent this to their attorneys who have recently have XXXX complaints from me on this matter about how this bill turned into an XXXX credit card debt that was originally a little over XXXX. If this debt is truly over XXXX, they need to send me the bill of sale of this information or an itemized letter showing exactly as to how this has been turned into what it is. Including the interest they added onto it. 
They never let me dispute nor even talk to them before they sent it to their attorneys office who is just as crooked as this company is. They had their attorneys sue me regarding this matter. I was never served by anyone and then the next thing I know it I received a garnishment. They attorney 's have all ready taken over XXXX bucks over the time frame. This debt should be considered satisfactory and paid or is this company that greedy? If they expect me to sit quite over this matter they have another thing coming. I know they expect people to not know their rights and is why they and their attorneys have had many class action lawsuits against them. They have me under XXXX XXXX which was my maiden name. Not only that I was in the process of a XXXX situation at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 went into the auto-pay system ( online ) to increase the principle payment on our mortgage amount due. Somehow this altered the date the payment is processed and we received a late payment notice from the lender. We immediately called in and explained what we had done online to the customer service person. She agreed that it should not have happened and waived our late fee. She stated that it was a " Auto-Pay '' system issue and that she had fixed the issue with our account and we should be fine moving forward. The next month it happened again. We called in and again the customer service person stated it was a " Auto-Pay '' system issue, said she fixed the issue and again waived the late fee. 
This happened again for the month of XXXX ( we were not aware ) until a few weeks later. Again we called and made the payment. ( at this pont we opted out of the " Auto-Pay '' and now manually make our payments online thru the lender 's website ). The lender went ahead and reported us to the credit reporting companies as being delinquent on our XXXX payment. I sent a letter to LoanCare explaining what had happened in detail asking to remove the delinquency notice they had sent. They responded since we were delinquent, they would NOT make any correction. ( even though, their own representatives stated it was a system issue and NOT a failure on our part. ) We have NEVER been late since we opened this account and have always used the " Auto-Pay '' system they offered.

They did apologize for any inconvenience or frustrations. During this exasperating experience, my wife and myself ( on two different occasions ), were told that a manager would call us to speak with us about the issue we were having. Both times they NEVER called us back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account number 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 1666b 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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my husband and I 's credit report we noticed some incorrect late payments reporting for our XXXX XXXX XXXX Mortgage and XXXX XXXX Home Equity Line of Credit. We attempted to resolve the issues with XXXX XXXX by providing proof of on time payments but no timely response was received and when we inquired again they sent us explanations of the payments however the explanation proves the late payments are reporting incorrectly yet they refuse to correct their mistakes. We have attempted over the past 5 months to have XXXX XXXX or a credit reporting bureau fix the errors but it has not been corrected. These incorrect late payments are affecting our credit score and ability to apply for lending. We do have late payments but XXXX XXXX is incorrectly reporting them in later months than they occurred and therefore extending our credit unworthiness.
Product: Credit reporting or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX XXXX XXXX exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has all violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 168b permissible purposes of consumer reports. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act has violated my rights 15 U.S.C 1681 section 602 A states, that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states, that a consumer reporting agency can not furnish an account without my written instructions. I have no knowledge of these companies and they should not be reporting as I never permitted the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this.

I was never notified in writing, per 15 U.S.C 1692g before an account was on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

15 U.S. Code 1681b - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) the procurement of the report by that person. ) Privacy Act considerations.

A delinquent debt may not be reported under this section unless a notice issued under the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau.

The Privacy Act of 1974 is a federal law that governs the collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX information incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructi
ons.
Product: Debt collection

All prior credit card statements were sent to me. I asked for these documents to show proof that I was illegally charged on my account by Victoria Secret/Comenity Bank for a service that I never agreed to. They have no signature physical or electronic for that service and I have asked them to supply me a copy of the signature that says I signed up for it and they can't because I never did. I paid this credit card off in full. A month later Victoria Secret/Comenity Bank called me trying to sell me a service called XXXX XXXX. I declined these services. Victoria Secret/Comenity Bank then charged my account anyways for a {$0.00} charge labeled XXXX XXXX per the credit card statement. Because of this {$0.00} charge it triggered a minimum interest charge of {$2.00} causing my account to have a balance of {$2.00} after I paid it all off which racked up late fees over time. I tried to tell Comenity Bank, Victoria Secret, and now XXXX XXXX XXXX that this is because of illegal charges on my account. You can not charge someone for credit card insurance that they never agreed to. Noone will listen to me or help me even though they provided me the statement with the proof that clearly says this charge was not for any previous interest, previous purchase, or interest from current billing cycles..Meaning this is not leftover interest from the previous billing cycle which is what they tried to tell me until I showed them the proof. The account was paid off on XX/XX/year>. The illegal charge for the {$0.00} XXXX XXXX insurance was put on my account on XX/XX/year>. Again, I have asked for XXXX and Comenity to supply me with an electronic or physical signature that says I signed up for this to cause this charge and they can't. I paid it off with no intention of ever using it again so there is no reason I would need account insurance. They have to supply proof of this and they can't because I never agreed. Victoria Secret, Comenity, and XXXX should all be held legally liable for the damage they have done and for seeing the proof of what I'm saying is true and pretending they don't. A woman at XXXX even agreed with me that this was illegal then I never heard from her again. They keep trying to come after me for payment anyways. This is all highly illegal.
Product: Credit reporting

I submitted proof that a XXXX account and a judgment appearing on my credit report was not mine or reporting in error .As of today they have not remove these accounts from my credit reports. Help
Product: Credit card or prepaid card

When account was initially opened last year I had limit of {$1100.00} with minimum Payment of {$25.00} due per month. I always paid {$50.00} per month and was never late. My balance was around {$700.00} mid summer this year. XXXX decreased my limit two times without my knowledge. Went from {$1100.00} down to {$450.00} which was what I owed. Now this would surely affect my credit making it appear I owed what my limit was! Never received notification despite XXXX telling me they sent notices. Called them three times only to be told credit bureau reporting was factor and that the bank was responsible not them. Called XXXX XXXX and was told it was XXXX decision. Back & forth extremely annoyed! Finally received {$200.00} increase taking my limit to {$650.00} which is where it is now.
Product: Credit card or prepaid card

Home Depot balance was paid off twice by mistake and I can not get the money refunded. I have a XXXX XXXX dollar credit that they will not pay me. They have had this money for almost one month. I have called every seven days for 21 days ( 3 telephone calls ) trying to get either the money returned to me OR returned the money to credit card company who sent the check to them. I am told I will get it in a few days by numerous employees and 21 days later they still keep the XXXX XXXX dollars!! 

Balance of {$5300.00} I paid {$390.00} on XX/XX/XXXX I paid {$5000.00} on XX/XX/XXXX Balance then XXXX. And then XXXX XXXX paid {$5000.00} on XX/XX/XXXX This leves a credit of {$5000.00} As soon as I realized that the extra payment was made ( on the XXXX or XXXX ) I telephoned Home Depot and I asked for them to send the XXXX XXXX back to XXXX XXXX. Second call on XX/XX/XXXX, a " supervisor '' stated she needed more information which I provided her and I was told I would have a refund in a " few '' days and she verified my bank account. Today now 21 days later I still have no refund nor has XXXX XXXX received a refund and I called again. Now asked for the SAME information I provided on XX/XX/XXXX to the " supervisor ''. Now they say it will take an additional 17 days. Keep in mind they have kept XXXX THOUSAND dollar since XX/XX/XXXX.