23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I HAVE NEVER SIGNED A DOCUMENT TO RUN MY CREDIT FOR A HOME MORTGAGE LOAN, THERES A INQUIRY FOR XXXX XXXX CA XXXX ON MY CREDIT REPORT WHICH I DID NOT APPROVE OF, I CALLED THEM THEY SAID THEY WERE GOING TO FIND OUT WHO RAN MY SCORE, I HAVE NOT GOT A CALL BACK ITS BEEN OVER 10 DAYS AND WHEN I CALL NOBODY KNOWS WHAT IM TALKING ABOUT. I NEED THIS INQUIRY DELETED FROM MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX 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: Mortgage

My home mortgage was originally with XXXX, Then it was sold to FCI, which I have attached documentation. FCI illegally increased my from {$24000.00} to XXXX. Secondly. FCI needs to disclose the amount my mortgage was bought for because since my address did not change, XXXX sold this note, I am only legally obligated for the amount this mortgage was sold for. I also believe these payments with FCI to be illegal and the CFPB should investigate this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to Experian on XX/XX/21 in regards to a previous car loan. I pulled my credit reports and noticed that Experian was reporting the account still opened, although it has been paid off and closed, and a new auto loan has been opened in place of it. Experian also does not provide the date of last activity ( the account was paid off on XX/XX/21 ). This shows me that the account has not been properly verified, and Experian has not done its due diligence, and instead continue to respond to my disputes that the account has been " updated ''. They have continuously shared incorrect information although it has not been properly verified. As a result, I requested and asked that the account be deleted immediately. 

As a consumer, it's frustrating that after sending multiple letters requesting that the information be deleted because it is indeed inaccurate and Experian fails to properly verify the information, Experian continues to report incorrect/inaccurate information. As a consumer, i expect my information to be the same across the board for all credit reporting agencies, but it seems that Experian is not following in alignment with other agencies and instead focusing on the benefits for themselves.
Product: Mortgage

I made a phone call on XX/XX/XXXX to mr.cooper to request the removal of PMI on my loan. I spoke to XXXX direct line- ( XXXX ) XXXX and asked me multiple questions about the property and if I had any upgrades on the property ( which I do ) which then led to him asking to run my credit which I explained to him again that I was just looking to get pmi removed not refinanced. He then stated that I would need to have the loan for 11 years in order to qualify removing pmi since it was a fha loan. The loan is from XX/XX/XXXX which would have different rules for the fha loan where the 11 year rule does not apply. 
I then called back to confirm with mr.cooper the date of my loan, I was then told I would receive a letter in the mail by XX/XX/XXXX in regards to my qualifications of removing the loan. XXXX XXXX I receive a document from mr.cooper stating my mortgage has not reached 80 % of original value, and that I have not met the conditions. My loan was XXXX and I owe only {$95000.00}, which means I do meet the conditions for removing pmi. 80 % of XXXX is XXXX. I called mr.cooper XXXX XXXX and they then tried to say it was 78 % not 80 % but I have a document stating otherwise.
Product: Credit reporting or other personal consumer reports

After a thorough examination of my credit report, I've identified discrepancies, including unfamiliar items, Student loans, addresses, and other details that do not match my records. Taking immediate action, I am filing a complaint with the Federal Trade Commission ( FTC ) to report suspected fraud and identity theft, as these accounts were not authorized or opened by me My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing.Please help me delete these illegal accounts from my credit reports. XXXX Department of EDU 3x on my credit report fraud and identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022 XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Student loan

I opened this loan in XX/XX/2016 to pay for a education program. I had times of hardships, and kept in contact with the company for payment arrangements. I had automatic payments come out of my account and they are not showing up or being acknowledged by the company. When I try to call the company to pay the rest of my account off and figure out where my money was going they hang up or leave me on hold for extended periods of time until I hang up. They never answer my questions, and this has ruined my credit scores keeping me from being able to get any car or home loans for my family or anything else.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX Date opened XX/XX/XXXX Balance {$7.00} -Late/Closed XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment update from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX  XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Credit card or prepaid card

Citibank Credit Card - I had both a Flex Pay ( fixed monthly payment and fixed interest rate due to be paid off in XX/XX/2023 ) and a deferred interest balance amount on my credit card. The deferred interest of {$0.00} interest plan was due to expire on XX/XX/2023 if not paid in full. On XX/XX/XXXX, the payment due date, I made a payment online and choose the payment amount option : " Adjusted New Balance + Flex Plan monthly payment - includes monthly Flex Plan payment amount and the non-flex plan portion of your last statement balance, it does not include Flex Plan payments due in future months ''. I paid the balance transfer amount in full listed on my statement as " Adjusted New Balance '' and the Flex Payment amount. Per the payment allocation regulation of 1026.53 ( b ), the payment should've been allocated to pay off the deferred interest balance transfer in full and the amount due for one monthly Flex payment. It was not allocated in this manor. The total was applied and paid off the balance of the Flex Payment plan which had an interest rate of 8.99 % and left a balance on the deferred interest balance. I have spoken to two different CITI customer service agents, one being a " manager '' named XXXX on XX/XX/2023 and yet the payment allocation was not and has not been corrected. On my next statement of XX/XX/2023, the standard purchase rate was increased by 2 % to 24.99 %, the flex pay interest rate from 8.99 % to 24.99 %, and an increase to the Balance Transfer rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Im having discrepancies with XXXX and the creditor Seventh Avenue and I reached out to XXXX by mail due to the fact that there the only credit bureau agency that doesnt have live representative that consumers can speak with, I havent heard any feedback from Experian about my credit report ever since XX/XX/XXXX. I spoke with multiple of live agents multiple times at XXXX all Im being told is lies majorly of the representatives from XXXX doesnt even want to give consumers there name. XXXX went into my credit score constantly changing my score to high to low, over a company called Seventh Avenue that was paid off, I was told by one of there customer service representative that it would be removed from my credit report, Seventh Avenue is reporting it to the credit bureaus as a paid charge off. Seventh Avenue owed XXXX XXXX, I had both of them at the same time before going to a horrible divorce loosing everything, my children I was homeless sleeping inside of the car, I had a few hardships the past couple of years, I paid off XXXX XXXX and I fell a little behind in my XXXX XXXX and got delinquent. Im out of work for getting injured on my job, and still find a way to pay them off, and Seventh Avenue still want remove this account off my credit after being told they would very XXXX people to there cord, its people out here in this world wouldnt care at all and not come back two years to pay there account off, I could of waited to it dropped off my account in XXXX. I need XXXX to stop taking points off my credit score for a creditor I paid off, I have evidence that Im sending over
Product: Mortgage

Due to lack of income due to covid-19 I need some help with mortgage payment options and want to talk through my options with Caliber home loans. 

I started calling Caliber Home Loans to inform them I could not pay the mortgage for XXXX in the middle of the month. I have called 5-6 times and the phone just disconnects. I have also sent messages through their message center on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time they say they will reply in 5 days. I have not received any replies to date. 

I reached out to the mortgage broker who got me the loan on XX/XX/XXXX to ask for a better number and she didn't have one. I was finally able to pay XXXX mortgage yesterday, but I can't pay XXXX. And to be honest I didn't really have the money to pay but I am really concerned because they are not getting back to me. I do not want to loose my home. 

I don't mind waiting hours on hold or waiting days for a call back or reply because I understand everyone is struggling. But I can't get a response at all and forbearance ( which I just found on their site today ) seems scary, because I can't afford to pay back all of the payments at once at the end of 3 months if I am not making money. For example, if I miss just 1 payment in the 3-months I will owe that payment plus the current months payment {$7000.00}. 

As far as I see the only options I have is a 3-month forbearance which is not feasible or to loose my home for missing payment. 

I am investing a huge amount of money in this company. I just want a call back in a reasonable amount of time. I need someone to explain my options to me. It isn't my fault they aren't answering their phones and it took me a long time to find their forbearance page, which isn't a good option for me. 

I want a call back, I want my options explained and I want the late fee for XXXX waived.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple credit disputes with these companies, asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission, with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame, and their investigation results they have not abided by these laws.
Product: Credit card or prepaid card

On two separate occasions in 2020, I contacted Capital One to discuss payment options as I was needing Covid assistance. Capital One customer service set me up on two payment plans. In these payment plans, Capital One provided specific dates and amounts due as per the payment plan. I followed these payment plans. However, Capital One, unbeknownst to me, continued to mark my payments as late on my credit report.

Capital One never noted on my credit report these " late '' payments were the result of a federal national disaster. This is strictly required as part of the CARES Act. This failure to add a natural disaster note has caused me irreversible damage to my credit report by causing me to be denied for additional credit.

Washington COVID-19 PANDEMIC ( XXXX ) Incident Period : XX/XX/XXXX, XXXXand continuing. Major Disaster XXXX declared onMarch XXXX, 2020. 

Washington COVID-19 XXXX XXXX XXXX Incident Period : XX/XX/XXXX, XXXXand continuing. Emergency Declaration declared onXX/XX/XXXX
Product: Debt collection

I am submitting a formal complaint regarding Portfolio Recovery Associates ( PRA ) and their failure to properly validate a debt they are attempting to collect, as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite my repeated requests for debt validation, PRA has failed to provide the necessary documentation to substantiate the debt reported on my credit file.

Account Information : Collection Agency : Portfolio Recovery Associates ( PRA ) Account Number : UNKNOWN Amount of Debt : {$850.00} and {$2000.00} Nature of the Complaint : A few months back, I submitted a request for debt validation to Portfolio Recovery Associates ( PRA ) in accordance with Section 809 of the FDCPA, which requires that a debt collector provide verification of a debt within 30 days of a request. However, to date, I have not received any supporting documentation from PRA to validate the debt or confirm that it belongs to me.

The documentation I requested includes, but is not limited to : The original signed agreement or contract. 
A detailed breakdown of the debt, including principal, interest, and fees.

Proof that Portfolio Recovery Associates has the legal right to collect on this debt.

Under the FDCPA, I am entitled to receive this information. PRA has failed to meet its legal obligations, and as a result, the collection continues to appear on my credit report, which I believe constitutes a violation of my rights under the law.

Requested Actions : I respectfully request that the Consumer Financial Protection Bureau investigate this issue and take appropriate action against Portfolio Recovery Associates for failing to validate this debt in compliance with the FDCPA.

I request that this account be removed from my credit report until Portfolio Recovery Associates provides the required validation of the debt.

If Portfolio Recovery Associates is unable to provide the necessary documentation, I request that the account be permanently removed from my credit file.

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. Please confirm receipt of this complaint and keep me updated on the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Don't belong to me, I don't have a contract with this company, it's inaccurate. account XXXX for {$570.00}. I requested original contract and debt validation letter.
Product: Checking or savings account

XX/XX/2024 .my account what happen? can you send me the document?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX & XXXX incorrectly reported my credit card account as late and in violation of CARES ACT.
Product: Credit reporting

Experian has been charging me {$29.00} for the past 8 months for a service I neither requested nor have been provided. The dates of the charges are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Because of these spurious charges, I have also incurred {$170.00} in overdraft fees at my bank. When contacted about this, Experian merely agreed to close this " account ''. I believe this " account '' is now closed, but I have not been sent any of the reports they charged me for, nor do I want these reports. I have the bank statements showing the charges, but am uncomfortable loading them here. Experian 's method of doing business is underhanded and wrong.
Product: Mortgage

I refinanced i year ago and the lender failed to pay a quarter tax bill and submitted my last payment late causing my taxes to be delinquent and ruined my credit. after saying that they would resolve the issue and did n't ... I am now losing my second home and my new vehicle.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$2000.00}, {$17000.00}, {$7500.00}, {$6900.00}, {$5500.00}, {$8000.00}, {$6500.00}, {$15000.00}, {$10000.00}, {$10000.00}, {$1000.00}, {$8900.00}, {$26000.00}, {$4600.00}, {$25000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED  ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 








5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

8. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6500.00} -This is not my account. 

9. PEXXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

10. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

12. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

13. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8900.00} -This is not my account. 

-- PERSONAL ACCOUNT 14. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4600.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$25000.00} -This is not my account.
Product: Mortgage

When trying to purchase a home through XXXX XXXX of XXXX XXXX, I was denied a home loan in XX/XX/2021 because I am a XXXX XXXX and I did not work for 6 months in 2021. XXXX recommended another lender. I spoke to XXXX XXXX of Southeast Mortgage in XXXX and explained my situation. XXXX was fully aware of my situation being a XXXX XXXX and not working for some time during the pandemic. The closing was pushed back to XX/XX/XXXX. I was denied for the same reasons made known up front. Why didnt they give me an answer sooner? I spent money on the deposit, appraisals, inspections and they made me put the UTILITIES in my name. I ended up losing my XXXX money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE