23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened my accounts requesting all statements to be in paper form and mailed. I did not receive any for quite sometime. In early summer of 2021 I had to travel to Iowa to help my sister who had a XXXX XXXX XXXX  due from the XXXX XXXX. While there I contracted XXXX and was completely unable to manage or conduct any business. I returned home to California in XXXX of 2021. My oldest daughter asked if I could deposit the cash she had been saving and write her two separate checks for the cash. She gave me {$8000.00} cash, which I deposited that same day at the Chase Bank branch located less than XXXX mile from her home. Where I wrote h, er one check for {$5000.00} on XXXX XXXX,2021 and a second for another {$5000.00} on XX/XX/2021. I gave her {$2000.00} extra. On XXXX XXXX, 2021 Chase shows I withdrew {$8000.00} from my savings and shows I deposited {$8000.00} into my checking that same day leaving me a XXXX balance. I NEVER WITHDREW {$8000.00} AT ANY TIME FROM ANY ACCOUNT. I didn't find this until recently after hiring an accountant to look at all my Chase Statements. Which I did not have until I demanded after several other attempts. There are also several discrepancies with transfers to my XXXX XXXX account from Chase and my XXXX transfers to my youngest daughter!
Product: Mortgage

PNC mortgage provided an email confirmation of a rate lock at a very low rate during the initial conversation. They were aware we were speaking to multiple lenders. After we had selected PNC as a vendor and committed to a closing date of XX/XX/2019, the mortage associate raised the rate on XX/XX/2019, which gave us ver few options for moving forward apart from accepting the higher rate. 

PNC also agreed in writing to provide credit to cover appraisal and closing fees, but shorted the amount by approximately {$200.00} on the closing documents. 

They also refused to provide a secure file upload space for transfer of documents containing PII
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. 

Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX, Account name : XXXX, Account name XXXX XXXX XXXX XXXX, Account name : XXXX, Account name :, 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 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: Debt collection

I am writing to file a formal complaint against Equifax. Equifax reports Lead Bank inaccurate and negative information on my credit report. It has been over 30 days since I requested the removal of these entries, and despite my requests, the information remains unresolved, negatively impacting my credit score and my ability to obtain housing and essential services for me and my children. These negative remarks violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), which mandates that information be corrected or removed from credit reports if it is found to be inaccurate or incomplete. Under the FCRA, I am entitled to dispute inaccurate entries, and XXXX XXXX has failed to meet its obligations in providing accurate information within the required time frame. Additionally, the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691, ensures that consumers are treated fairly in lending practices, including how information is reported to credit bureaus. The delay in removing these erroneous entries affects my ability to secure adequate housing, which in turn poses a severe financial and personal burden on me and my children.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  continues to list XXXX XXXX XXXX ) XXXX  accounts as in collection in XXXX and XX/XX/XXXX. XXXX  XXXX ( XXXX ) continues to report the same nineteen reports to credit agencies. Records ( attached ) clearly show that all of these accounts were closed in XXXX when XXXX XXXX consolidated them, that they are not overdue, and that they are not in collections. I have twice requested for XXXX  and XXXX to remove this incorrect information. The latest request was in XX/XX/XXXX. Both XXXX and XXXX  have failed to remove the incorrect information.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, upon checking my credit report I have noticed that address and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to XXXX, XXXX, and XXXX. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially. Fifth Third Bank has a fraudulent auto loan reporting to my consumer report. They provided me with the original loan contract which has invalid information, the address is not mine nor have I ever lived there, also the signature provided on the loan document is not mine someone forged my signature and did a terrible job.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I the consumer checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry was made : XXXX  Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, MD XXXX Inaccurate information reported XXXX Inquired on XX/XX/XXXX Business XXXX : Banks and XXXX & XXXX XXXX XXXX XXXX XXXX, GA XXXX Inaccurate information reported GS BANK Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX  XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Inaccurate information XXXX XXXX XXXX NA Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Inaccurate information reported I the consumer contacted XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX XXXX who were the ones who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I the consumer also asked them to stop their illegal activities according to 15 USC 1681b 604 ( 2 ) immediately, but there has been no change and no response from their office. Since I the consumer sent these letters more than 30 business days ago, they have not responded and they failed to honor my request. The inaccurate information being illegally reported has unfortunately caused me harm. 

I the consumer wasnt able to obtain credit, housing, or employment and my ability to obtain insurance because of this inaccurate and unverifiable information is being reported on my consumer report. I the consumer did not apply for this and had the ( credit bureau ) been in compliance with the FCRA 604 15 USC section 1681b and 15 USC 1681A ( 1 ) as well as 15 USC 1681A ( 4 ) of the FCRA fairness, respect for consumer rights, impartiality and my right to privacy as the consumer would not have been violated. The banking system, being dependent on accurate credit reporting which is an essential part of the banks function as well the publics confidence would not have been violated. It is your duty as a consumer reporting agency to report accurate information which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevance and proper utilization of such information in accordance with the requirements of the FCRA 15USC 1681B.

I the consumer would appreciate your help in Resolving this matter and removing this inaccurate information within 15 days required the law. Please never ever report this inaccurate information on my report ever again. 

Thank you for your help and assistance. 

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

XX/XX/2024 Dear Consumer Financial Protection Bureau, I am writing to express my extreme frustration and disappointment with the persistent inaccuracies on my credit report, specifically regarding my XXXX XXXX XXXXXXXX account, account number XXXX. Despite multiple attempts to dispute these errors with TransUnion, XXXX, and XXXX, as well as XXXX XXXX XXXX, the problems persist. 

Specific Issues : Inconsistent Account Status : The XXXX XXXX XXXXXXXX account is erroneously reported as both " Charged Off '' and " Never Late. '' Inaccurate Balance : The reported balance of {$150.00} is inconsistent with the {$450.00} written off. 
Misleading Payment History : The payment history provided is confusing and does not accurately reflect the true payment timeline. 

Incorrect Closure Reason : The stated reason for closure, " closed at credit grantor 's request, '' is inaccurate and misleading. 

These inaccuracies have negatively impacted my credit score and my ability to obtain credit, housing, and other financial services. I have experienced significant stress and financial hardship as a result of these errors. 

I have repeatedly contacted TransUnion, XXXX, and XXXX to dispute these inaccuracies. Despite their claims of investigating and resolving the issues, the incorrect information remains on my credit report. I have also contacted XXXX XXXX XXXXXXXX to address these discrepancies, but their efforts have been unsuccessful. 

I am deeply concerned that the CFPB has failed to hold the credit bureaus accountable for their repeated failures to correct these inaccuracies. It is disheartening to see that the CFPB is not fulfilling its role in protecting consumers ' rights. 

I urge the CFPB to take immediate action to investigate these matters and compel TransUnion, XXXX, and XXXX to correct the inaccurate information on my credit report, specifically regarding the XXXX XXXX XXXXXXXX account, account number XXXX. I believe that the credit bureaus ' failure to accurately report my credit information violates the Fair Credit Reporting Act ( FCRA ). 

Thank you for your immediate attention to this urgent matter. 

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

Hi I just recently applied for an XXXX XXXX XXXX XXXX card. To my knowledge any line of credit Im accepted for should not be used on my consumer report harming me. I would like all hard inquiries removed especially the most recent two from XXXX credit card services and XXXX XXXX XXXX XXXX XXXX. Those are two accounts that I have open and have never been denied for. 

Also I want any social security number that does not end in XXXX deleted they are not not related to me. 

And lastly I would like any address that is not XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

They added a XXXX card with XXXX debt on it to bring my score down 40 points. I disputed the card, they agreed it was a mistake, took it off, now my score dipped again. 

I have XXXX credit card debt, a positive bank account. No late payments in a decade this is their mistake causing my credit to dip which is negatively affecting my ability to buy a home
Product: Debt collection

i noticed the the company and proved them i was in XXXX when the loan was signed and it came out my report from the original company but i guess this company bought the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about XXXX BANK XXXX and Experian Credit Bureau. I noticed XXXX unauthorized inquiries on my credit file. I have contacted both companies to remove this inquiry dated, XX/XX/XXXX and XX/XX/XXXX because I did not apply for credit with XXXX BANK XXXX. 
Please launch an investigation into XXXX BANK XXXX inquires to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX BANK XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  both dropped my score over 30 points each the day after the government halted student loan payments. Mine was in deferral at the time anyway and it STILL dropped!
Product: Credit card or prepaid card

sorry maybe i am wrong dept. but my problem is that i have the american express every day use. when apply for the card i got XXXX dollars credit and then i use the card to by tires and then i got email from them my credit was low to XXXX i call them they can do that anytime.what i want to know is when you were for XXXX dollars.how can they can low your credit can you help me.if you can not help me can you try tell what dept can help with this problem. thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting

I filed a complaint against Lexis Nexis for inaccurate information contain in their consumer files. Lexis Nexis has several different division and consumer files which I disputed inaccurate information with the following consumer files : XXXX, XXXX, XXXX, XXXX and XXXX. To date only one report has been confirmed corrected. Lexis Nexis is refusing to correct or remove inaccurate information specifically the XXXX XXXX XXXX XXXX XXXX and reselling, data sharing and marketing inaccurate information contained within their consumer database/reports. 
I have disputed the information as inaccurate, identify fraud and requested removal of the information and OPT OUT of their database, data sharing, reselling and marketing of my personal information. To date Lexis Nexis is refusing to remove the inaccuracies and remove me from their data base.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$5700.00} ; XXXX  XXXX Balance : {$5600.00} ; XXXX XXXX XXXX  XXXX XXXX : {$5700.00}.
Product: Student loan

I cosigned a student loan for a friend in XX/XX/XXXX for {$27000.00}. Another in XX/XX/XXXX for {$27000.00}. Loans were for friend to attend XXXX XXXX XXXX XXXX XXXX. I did receive a couple of calls from Navient early in the life of the loans ( maybe XXXX and XXXX ), but did not hear anything for years, was under the impression that all was being handled by the primary borrower. 

In XX/XX/XXXX, I received a collection call from Navient informing me that the account was delinquent and now in my name only. I was completely unaware that the primary borrower was no longer the responsible party. Navient has been calling to ask me to now provide payments for a current balance of roughly {$93000.00}. 

I requested copies of the original contracts, as well as line item detail of the interest that has accrued on the loan to balloon it from {$54000.00} to {$93000.00}. I received the original agreements, but nothing detailing the balance increase. I will attach the loan history per my account login on the website. It is not much detail and extremely confusing. I do not know what was happening in the first few years of the loan with forebearance charges and such, I was not involved in any of that, communication was between Navient and the primary borrower. I am also not sure how interest was calculated since XXXX when I stopped receiving communication from Navient.
Product: Student loan

Today, I reached out to XXXX XXXX ( XXXX XXXX ) for better understanding of my situation in repayment. They would not help me. I was sent to a fax number. The second time I called I was placed on hold with no response. I waited. No one answered. I have submitted repayment plans which the amounts will exceed my income. No one will give me a straight answer. This includes all of my student loans. 

Part of my loans were forgiven during the time I was unemployed and waiting in retirement. Even though I was military, worked in public schools, and non profit organizations until XXXX, I was told I never qualified for loan forgiveness. Now the loan amount that was removed during those years of unemployment and homelessness ( XXXX - XXXX ) have been applied back to my account and I am now retired unable to pay what both Nelnet and Great Lakes are asking.
Product: Credit reporting or other personal consumer reports

My data was breached : 15 U.S. Code 1681 XXXX XXXX  XXXX {$2300.00} XXXX  XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX. XXXX {$1100.00} XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX {$610.00} XXXX XXXX XXXX XXXX {$120.00}
Product: Credit reporting or other personal consumer reports

Looks like I am a victim from the XXXX XXXX XXXXXXXX. Just 2 days ago they pulled my credit without any authorization affecting my credit rating. I called them and questioned why they did that and received only excuses, that 'someone ' tried to open an account and was unsuccesful. The worst part is also that they refused to fix the problem with Experian leaving to me all the burden ti fix my credit. 

What I can do? 


Thanks.
Product: Credit reporting or other personal consumer reports

To whom It may concern My name Is XXXX XXXX I visited First Home Mortgage in XXXXXXXX XXXX met with XXXX XXXX I gave her my 1099 taxes for XXXX and XXXX I let her do a soft credit check on me I told her i didn't want a hard credit check done she was supposed to call me back to tell me how much i made for the two year i called her office repeatedly with no response she then ran a hard credit check on me without my permission knowing my income only shows {$1.00} a month that no mortgage lender would give me a loan with so little income O am reaching out to for help to resolve this matter Thanking you In advance please feel free to contact me at XXXX or email me at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple things on my Credit app`to no avail I request my original signature and to see the documents signed but the three XXXX. XXXX andtransunion and none of the have proven anything I'm at the 2 year mark and nothing has been proven or fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking for a consolidation loan so I could payoff my credit card debt before I retired. I called many banks. Although my repayment history was good, I had too much debt. I kept on hearing that there was a way to payoff my dept at a much lower amount. The salesperson told me that it was a government created program and that I would be out of debt in three years. They said I would pay into an account and they would payoff my credit cards. They disclosed that I would pay two monthly service fees -- one for the  service and one for an attorney -- about {$12.00} each. I never had a paper copy of the contract before signing it. They had me review it with them on the phone while I Iooked at the screen on my computer and I signed it electronically at that time. I never had a paper copy to review before I signed the contract. 

I paid each month into an account and assumed that my debts were being taken care of. I started getting calls from debt collectors and I told them that they would now be paid by Freedom Debt Relief. I called up Freedom Debt Relief and they said that the calls would stop soon -- settlements took time. They never stopped. Nor did the collection letters. 

They then told me of two settlements with two of my credit cards. The amounts of the settlement was much lower than what I originally owed. However, I found out that they add a fee of 21 percent on the original dept ( which in most cases was higher than my original interest rate ). They said that I had a agreed to that fee when I electronically signed the contract. 

After a while, they called me up and said I could pay off my debts with a loan from them. This is what I wanted to do in the first place. Then they started pressuring me into taking the loan. The loan was for {$50000.00} at 22 %. I said the percentage rate was too high and they said I could not get a lower rate because I had so many delinquencies. I said that I had been paying all my cards on time until they got involved. I did not take the loan. That would have been a worse mistake than signing up in the first place.