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

After looking into my credit report, I believe there are inaccuracies with the inquiries on my credit report. It seems there are a lot of collections but the only account I have open is a foursight auto loan.FCRA requires all unauthorized inquiries to be removed so please review this and remove them. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I found several inaccuracies on my credit report, particularly regarding billing. These reported late payments are not in line with my payment history. Please correct these errors and update my account.
Product: Credit card or prepaid card

In XXXX of XXXX a dispute was filed about a charge with XXXX in Washington State. That dispute was resolved in my favor and the money was returned to the card. 

In XXXX of XXXX the merchant charged the card again without authorization. I tried to resolve it after that. 

On XXXX XXXX, XXXX I filed a dispute with the credit card. I received a letter via mail dated XXXX XXXX that the dispute was recieved. 

Since then I have called several times for a status update. They said they have none but would by XX/XX/XXXX. 

I called today ( XX/XX/XXXX ) and was told they have " lost '' the information and can't find anything. I spoke to a supervisor who was talking like a robot programmed to keep repeating the same thing. She didn't seem trained correctly to be able to respond. The new case number is XXXX. 

I have a recording of the call. It can be provided if needed.
Product: Credit reporting

I have never resided in XXXX Il or XXXX Il ... I have only resided in XXXX Il since 1995
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Acct # XXXX I've attached the screenshots of my mortgage account report from the major credit bureaus, PROVING that XXXX is reporting erroneous, inaccurate & illegal information to my credit file. XXXX is reporting : 1. That a Foreclosure was INITIATED AS OF XX/XX/2022. 
2. My account status was reported as CLOSED, as of XX/XX/2022. XXXX. My account was reported as Flagged for a Bank Adjustment/Deed-in-Lieu/Bank Liquidation . 
I applied for the DC HAF program before XXXX XXXX XXXX, therefore I am protected INDEFINITELY, until DC HAF processes & approves my application for assistance. 
There is a Mortgage/Foreclosure Moratorium in place, by the Law : D.C. ACT 24-508. This Law PREVENTS ALL institutions from initiating or filing a foreclosure. So, reporting that is dishonest, erroneous, inaccurate & illegal! 
I occupy & will be keeping my home. It is an XXXX account. Reporting it closed is dishonest, erroneous, inaccurate & illegal!

There has never been a Bank Adjustment/Deed-in-Lieu/Bank Liquidation for my home . This is erroneous, dishonest & inaccurate.

This is harassment, threatening & bullying me as a consumer that was affected by not being able to work, due to the shutdown of my job, because of the pandemic. XXXX continues to make erroneous, inaccurate & illegal statuses on my credit files, although they are quite aware that I applied for the DC HAF program before the XX/XX/XXXX cut off date. 
Reporting an account to the credit bureaus is a CHOICE. Purposely Reporting erroneous information to the credit bureaus is a crime!

I would greatly appreciate it if you would view the attachments and make the appropriate corrections to all of my credit files. Everytime you all commit these crimes, I will disputre them and continue my paper trail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each creditor and consumer reporting agency in regards to the accounts listed below. and quoted the same FCRA subsection. 

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. 
XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX 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.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX  {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To have this unauthorized inquiry remove from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Requesting all student loans be removed from credit report per 20 USC 1232 ( g ) ( 34 CFR 99 ) ( The Privacy Act of 1974 ( FERPA ) these laws covers all the reasons for removal. Company responded the loans was sold in 2017 so this is a certificate of indebtedness so this most be removed immediately
Product: Checking or savings account

I had a bank account with PNC 4 years ago, and I needed to close my checking and savings account when I moved to XXXX, because PNC has no branch in MA. Last time, when I had to close an account, I went to a branch and had someone help me in person. However, since PNC does not operate in MA, I had no other choice but call the customer service line to close an account, and I had no idea how to close an account via phone. The agent that spoke with me on the phone back in late XXXX told me that once I transfer all my money out of the accounts, I could call them and they would close the accounts for me. But he did not tell me what happens if I don't call and not properly closing my account. Coming from XXXX, I had no idea debit cards could overdraw. Therefore, I believe it's PNC 's responsibility to acknowledge me about overdraft charges. And because PNC 's customer line always take a long time to get connected, I didn't call them on time, and was not aware my account was getting overdrafted. Starting XX/XX/XXXX, because my XXXX account was automatically linked to my PNC account, every time I use XXXX to make a payment, I get over charged for XXXX dollars at PNC. I was not aware of the charges because I knew I had no money in my PNC account, so when XXXX say : transaction is not completed, I then would use my new debit card to make the payment. In mid XXXX I went on my online banking and saw I was charged for {$300.00} and more overdraft and overdrawn fees. I was connected to the retail escalation group for some help, but they told me it's not a bank error and they can not help me. The agent was also out of the office for about 2 weeks and I was not able to get in touch with her. As a result, my account now is charged off, I was not notified and couldn't use online banking. I personally do not think PNC valued me as their customer. As a foreigner, I was not aware of banking in the States and I believe it's the bank 's job to inform me about the consequences of not closing the account properly. PNC didn't do their job to inform me and all the other people ( foreigners ) who is not aware of overcharging. Instead, they let me getting charged overtime. I am a student and I don't have the money to pay off this ridiculous amount of fees. PNC said they could not help me file more complaints and therefore I decided to contact the CFPB to help negotiate. Thank you for your help and understanding.
Product: Vehicle loan or lease

On XX/XX/XXXX, one week after we turned in our lease vehicle early and paid the last payment, Ally sent us an estimated property tax bill for {$650.00}, which the City of XXXX has a due date of XX/XX/XXXX. Due to making the last month 's payment after turning in the vehicle they subtracted {$53.00} making the estimated balance {$600.00}. This was the first year of the XXXX XXXX  car tax phase out so I knew that the estimate was not accurate. We spoke with Ally, on a number of occasions, and requested a corrected bill with the actual amount due for car taxes, Ally failed to send us the corrected bill and sent our account to collections. In XX/XX/XXXX, Ally charged off the amount of {$600.00}, we went to the City Tax Assessor 's Office and obtained the actual amount of {$510.00} and sent payment of {$460.00} because we deducted the {$53.00} that they took off of their estimate. Ally is demanding payment of {$130.00}, which is the remainder of their " estimated '' bill. This caused our " perfect '' credit score to drop 120 points. We have paid the actual amount of our car taxes to date and demand that this charge off be removed from our credit reporting with all three credit bureaus.
Product: Credit card or prepaid card

I had a emergency accident in XXXX on vacation and needed to get XXXX XXXXXXXX. During my stay they charged my card 3 times and for more than they claimed and without me knowing it was charged 3 times. 

American Express did not ask me any questions they just closed the dispute with no way for me to explain what happened or how to fix what happened. 

On one of the credit card charges they over charged me after saying everything would be {$5000.00} USD and charged around XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report, and Im disputing the following information that appears on my Trans Union report. 
XXXX XXXX XXXX XXXX has fraudulently reported on my Trans Union record. I am a victim of identity theft and I never opened this account. Please remove this in accurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that this be removed completely and permanently from my credit report immediately. 
I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 

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

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX 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 XXXX inaction violates federal law and my rights as a consumer. 

I have disputed and asked XXXX to remove all incorrect addresses and accounts They responded in XXXX minutes without conducting an investigation. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Texas Guranteed failed on many times to call back or even said I would qualify for a Hardship program income pay back, but rather that send me the appropriate work each and every time I tried to do a payment or even provide my checking account they would say well your repayment was never set up, ive signed multiple contracts and when they receive they say not received, im a single  parent XXXX XXXX working about 70 hours a week and then they go out and do this to me, I work hard for my money this isn't fair. now im danger of loosing my home and continue loosing a lot of things because of their negligence and disorder within the company, they claim to want to help but they want to destroy you and make sure you stay down. This is highway robbery
Product: Credit reporting or other personal consumer reports

I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

I applied for a Synchrony Bank CareCredit card after pre-approving with them. They denied the request and sent XXXX denial letters, XXXX with an incorrect score and the other with incorrect reasons for an adverse score. Despite the pre-approval they denied my request and refused to provide a denial reason over the phone and then included incorrect information in their denial letters.
Product: Credit reporting or other personal consumer reports

I requested the original contract with my wet signature as I have no recollection of entering into any agreement with LVNV Funding, I am requesting a copy of the original contract bearing my wet signature where I agreed to pay LVNV Funding. This document should indicate I am legally responsible for this debt with LVNV Funding. I do not recognize this debt and therefore request that you provide complete validation to confirm my legal obligation, including original documentation bearing my wet signature to support the claim
Product: Debt collection

In accordance with the fair credit reporting act XXXX Account # 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Overview of Dispute I am disputing a damaging credit report entry from Freedom Mortgage in early XXXX. Despite fully complying with an escrow shortage notice in XXXX XXXXincluding a lump-sum paymentI was reported as delinquent, resulting in a XXXX-point drop in my credit score. 

This report stems from unclear and misleading communication in the Escrow Account Disclosure Statement. Freedom Mortgage has denied responsibility and refused to correct the impact, despite my strong payment history and good-faith efforts. 

I've maintained good standing on my loan, with no prior late payments. This incident reflects a communication failure, not borrower negligence. 

Issue 1 : Ambiguous Language in Escrow Statement The Escrow Disclosure states : " The escrow shortage amount will automatically be spread over 12 months. Your new monthly payment will be {$1000.00}. '' Nowhere does it clearly explain : " Even if you pay the full shortage, your monthly payment will still increase due to projected tax/insurance changes. '' This created a reasonable expectation that a full shortage payment would prevent a monthly increase, yet that was not the case. 

Issue 2 : Confusing FAQ and Payment Coupon Language The FAQ reads : " If you pay the total shortage, your monthly payment will no longer include the shortage collection amount. '' The coupon adds : " My new monthly mortgage payment will be adjusted to reflect the new monthly escrow deposit. '' These imply the payment will stabilize if the shortage is paid in full. Nowhere does it say the payment will still increase regardless. 

Freedom Mortgage 's Response On XX/XX/XXXX, I received a call from XXXX XXXX XXXX of the Executive Team. She stated : " The communication is clear. '' " The payment was late. '' " The Credit Reporting Act requires us to report it. '' " We can't change what was reported. '' She did not acknowledge the confusing language or XXXXXXXX XXXX confirmation in the escalation team that other customers had the same concern. I followed all internal steps in good faith but was given no path to resolution. 

Summary of Payment History Freedom Mortgage 's records show consistent, on-time payments from XXXX through XX/XX/XXXX, including multiple months with more than one payment. I paid the full escrow shortage of {$1100.00} on XX/XX/XXXX. The only payment marked late occurred in early XXXX after the escrow change. 

I haven't had a late payment reported to credit bureaus in over twenty years. While I haven't been with Freedom Mortgage that entire time, my record with them has been cleanno prior delinquencies. This was an isolated incident, clearly tied to miscommunication.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute these Items in the month  XXXX  TransUnion did not compile with the State  Attorney General Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], cl early and accurately disclose to the consumer : I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont res pond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of  investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required  by subsection ( a ) ( 1 ),  make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation