23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We had a 3.375 % 30 year fixed rate mortgage with US Bank on our primary residence with approximately $ XXXX in principal left on the note. In XXXX XXXX XXXX  we lost our home to the XXXX wildfires. Our insurance paid out more than $ XXXX, which was being held in escrow by US Bank in order to rebuild our home. 

( 1 ) in the state of California mortgage companies are required to pay 2 % interest on monies held in escrow accounts such as this. US Bank refused to pay us any interest on the funds being held, including the amount held over the principal.

( 2 ) US Bank refused to release any of our funds until we had architect stamped floor plans submitted to them, including refusing to release any funds for debris and tree clean and removal. To date we have had to spend over $ XXXX to get to the point where we have stamped plans.

( 3 ) US Bank refused to allow us to rebuild anything other than a 5 bedroom 4 bath home, despite the fact that our previous home was permitted at 3 bedroom 3 bath, and that was what we were allowed to rebuild by the County without triggering onerous permitting restrictions. This is despite the fact that even a 3 bedroom 3 bath home would be valued at much more than what was remaining on the note.

This forced us to pay off our mortgage in order to rebuild our home, despite the fact that we did not want to. We were concerned that rates would rise and we would be required to take out a loan at much higher interest rates. We are now in that position and rates have gone up to the point that we are now concerned that we wont be able to afford a new mortgage once our home is rebuilt.
Product: Debt collection

We represent a XXXX senior of limited financial means. On his behalf, we sent a letter to this creditor requesting no further contact of any kind. The creditor has continued to send monthly statements and demand letters to our client at his home address. By continuing to communicate with our client directly rather than through us and after receiving his request for no further communication, the creditor is violating Section 805 ( a ) ( 2 ) and Section 805 ( c ) of the Fair Debt Collection Practices Act.
Product: Debt collection

NAVIENT Is alleging I owe a debt but that is untrue because the promissory note that is being held is the security that is being used to fund this transaction. They are also keeping all the proceeds that the trading of this securities has made. This is illegal and securities fraud. Selling this information to the credit bureaus is a violation of my rights.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that have been listed on my credit report. I have reviewed my credit report and have found several inquiries that I did not authorize or have knowledge of. These inquiries are negatively impacting my credit score and are causing me significant financial harm. 

The fraud inquiries are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in XXXX  listed accounts, which is causing concern.
Product: Credit reporting

These XXXX XXXX XXXX loan accounts are appearing incorrectly and in duplicate on my report. These XXXX accounts have been completely forgiven, and I have paperwork from XXXX XXXX to document this. They are no longer owed and have been 100 % discharged by XXXX XXXX and should no longer be appearing under my name ( unless it 's to report positively that these have been closed with a positive status ). After several disputes with XXXX XXXX directly, I was able to obtain documentation in writing that these loans had been discharged from my name. 

XXXX of the places these XXXX accounts appear on my report is correct. They are all reporting under slightly different company names/amounts/account numbers- but it was because XXXX XXXX had transferred the accounts to multiple departments and they reported as well. Transunion has allowed all to remain on my account, even though they are all clearly the same company. 

The other XXXX places these accounts appear are 100 % incorrect- resulting in XXXX negative charges to my report that should not be there, and are negatively affecting my score. I have sent in documentation and disputes to Transunion a number of times, including the letter from XXXX XXXX directly supporting my complaint- but I have received automated responses and no correction. We are planning to purchase a house in the near future, and this is negatively affecting my ability to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

on the report it has inaccurate information using my socail security number but the name and charges are not me. and then other information on it thats really old keeps reappearring and is now possibly costing me my job ive done an assessement for my job but its still pending and i really need a job i just recently found out that this is at least the sec background check i did not past due to innacurate information and or things that shouldnt be there at the vary moment
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, *Account name : XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICIED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASE SEE ACCOUNT LISTED BELOW. 

ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX ALSO I NOTICED XXXX IS THE ONLY BUREAU THAT REPORTED LATE. XXXX AND TRANSUNION REPORTED THIS ACCOUNT AS PAID AS AGREED
Product: Credit reporting or other personal consumer reports

XXXXXX/XX/XXXXRecord details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXXXX/XX/XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXXXX/XX/XXXXXXXX XXXX XXXX details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XX/XX/XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Rental on behalf of XXXX XX/XX/XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXXRecord details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXXhis inquiry is scheduled to continue on record until XX/XX/XXXX. 

XX/XX/XXXX details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XX/XX/XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXXXX/XX/XXXX details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XX/XX/XXXX Inquired on XX/XX/XXXX and XXXX more XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX and XXXX more XX/XX/XXXXXXXX Inquired on XX/XX/XXXX XX/XX/XXXXInquired on XX/XX/XXXX and XXXX moreXX/XX/XXXXXXXX Inquired on XX/XX/XXXXXX/XX/XXXXXXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXXInquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX and XXXX more XXXX XXXX on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXXXX/XX/XXXX Inquired XXXX XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXXInquired on XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXInquired XXXX XX/XX/XXXXXX/XX/XXXX Inquired XXXX XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had nothing but issues with Experian credit report Bureau, I have contacted them 10 or more times since XX/XX/XXXX, and many times prior to that. I first contacted the Bureau in reference to a bankruptcy that started showing on my credit report in which I have never filed for bankruptcy, I contacted them as well as the US District Courts in XXXX Tx, I entered my information along with my social security number no information under my social, I then spoke with a court clerk she stated that she have nothing showing under my social security number she advised me to dispute it I did Experian will not remove this information, I asked them to verify my social security number they still haven't did this. I then have a nother issue with them I paid off a vehicle finance by XXXX XXXX in XX/XX/XXXX there was a late payment reported in the amount of XXXX XX/XX/XXXX, I contacted my creditor they advised Experian has access to their customer accounts and pulled information that wasn't correct I spoke with XXXX XXXX she advised me to dispute the information and she would get it corrected this was back in XXXX XXXX now almost XXXX and nothing has been corrected. I spoke with Experian on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX and XX/XX/XXXX, I've been hung up on told that they were submitting the dispute however I never received any information. This company is reporting accounts that aren't mine addresses that I have never lived at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX # XXXX XXXX TX, I've never lived there XXXX XXXX XXXX XXXX this isn't my account, XXXX XXXX XXXX this is not my account.. Erroneous alias names I've never used. This company shouldn't be allowed to do this, I have credit monitoring with this company I received alerts stating my information showed on the XXXX XXXX, however they are so rude unprofessional and unconcerned I was hung up on I need this company to be held accountable for the lack luster attitude they have concerning the publics file
Product: Debt collection

Today XX/XX/XXXX I was contacted by a XXXX XXXX from XXXX XXXX XXXX phone number XXXX. He stated a complaint has been filed against me in XXXX XXXX XXXX and I needed to contact a number with file number to get more information. 

I contacted the other number XXXX and provided the file number, I was transferred to a legal person XXXX XXXX who stated they we going to be suing me for a past debt with Salander Enterprises LLC. She said if it hadn't been filled though that I could settle the debt by end of today. I was then sent a document via XXXX XXXX to sign and provide a payment method. 

I have never done business with either of these companies and I have told them I needed proof of the original debtor before continuing. They have yet to provide this to me. 

Researching further the address in letter head of document sent to me is an address for a XXXX XXXX company in business since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original creditor is also the collection company. I have made several attempts to get the collection depart to accurately report the account. I initially reached out to them notifying the joint applicant filed bankruptcy and its not reflected on the account. I was advised that I would still be held responsible for the account. At the time the balance reflected was {$440.00} charge off date was XX/XX/XXXX with the last payment of XX/XX/XXXX see attached, I ask could they remove it since joint applicant filed bankruptcy, the representative became irate and belligerent and difficult to communicate with, at that point I said oh well it falls off next year and you wont get anything the representative then replied will see about that and hung up. That was XX/XX/XXXX, the month prior I sent a request for verification and never got a response so after waiting thirty days I called. The representative has been inaccurately chafing information on the account since. Impacting my credit score and ability to maintain a good rating. I attached several documents as proof of my experience. The account was also changed from joint to individual and the representative recently reported that a payment was made within the last year which is also inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received another alert on my credit. Equifax put numerous comments it said on my credit report sense I started the complaint with Consumer Financial Protection Bureau. The comments that they put on my report cause my credit to go down XXXX points. They could not have done an investigation, it only took them 2 days after I filed the compliant to lower my score XXXX point. I am not a genus when it come to the credit bureau world but I know that can't be legal. I have a right to change the mistakes and fraud on my credit report. 
I have read that Equifax has had some coding issues but this is not right to attack my credit report due to my complaint. 

Filing a dispute should have not impact on my credit score but it did with Equifax. This is improper usage of my credit. 

If seems to me that Equifax is retaliating against me due to the errors and things that they knowing put on my credit report and I simply request that it be removed. 

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 # 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 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

Hello Im trying to reach the creditor to explain the account is not mine, and I called them more than 5 times but unfortunately they disconnected the calls, and they want to listen to me, this really fraud and trying to assign account not belong to me, its effect my score negatively. 
The company name is WESTLAKE PORTFOLIO MGM as per the attached Account overview Credit Close-UpSM WESTLAKE PORTFOLIO MGM XXXX Unsecured Loan {$84.00} Balance as of XX/XX/2023 Loan balance You've paid XXXX XXXX of your loan balance. 
{$2500.00} X Making on-time payments will help you chip away at your balance and is a key ingredient in your credit score. 
Payment details Payment status Past due 30 days Minimum monthly payment
Product: Checking or savings account

So on XX/XX/XXXX I was charged {$800.00} as an act transaction that I did not authorize. I noticed it when I woke up and immediately called Discover to dispute. I called today for an update to said dispute and spoke to a XXXX who said they closed the dispute as valid one day later on XX/XX/XXXX and are trying to make me provide documentation proving somehow it wasnt authorized when documentation like that doesnt exist. This is absurd.
Product: Credit reporting or other personal consumer reports

I never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is XXXX XXXX A copy of the law is attached with this dispute. 
I have not given these companies permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. The offenses amount to XXXX XXXX XXXX pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

These companies also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, there's no way i could have had all these car loans
Product: Mortgage

Purchased mortgage on property XX/XX/2004 Fifth Third Bank dont have any imformation. The title company. Where down payment check. Lot of lost of closing refinanced on XXXX XXXX. They had all imformation. Mortgage account no was changed
Product: Credit reporting or other personal consumer reports

I created a document PDF for this box. Please see the attached letter with the information, references, and actions taken by me and the associated codes and laws that support my complaint. 
Thank you kindly. 

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

I pulled my credit report and I have multiple hard inquires from unknown sources I never did business with them and I need them removed.. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681 1I ( a ) ], these disputed items must be investigated or deleted from my report record in 30 days.  During the investigation. The items I am disputing must be removed from my credit report as the mere reporting of these items prior to Debt validation constitutes collection activity. I am also requesting my name and addresses and telephone numbers be updated in any other names and addresses and telephone numbers that do not belong to me be removed as well. The following accounts in dispute are listed below Hard inquries that need removed I have never done business with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX Unknown company needs removed CBE GROUP Also are not allowing me to pull copies of my credit report but will sell my information to third parties such as XXXX XXXX that's how I found all of this information on my credit I will be listing them in the documents proportion additionally I am allowed under the HIPAA law that health insurance probability and accountability Act of 1996, to protect my rights and privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX  to share my information. It is only to be revealed with the patient 's authorization there for my request is to fold and as follows I would like to be provided validation of debt and HIPAA authorization 1. Please provide breakdowns and fees included any collections cause and medical charges also provide a copy of my signature with the provider of the service to release my medical information to you. 
XXXX XXXX XXXX XXXX Please delete all hard inquires listed in documents and above.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts below are not charge off 's. They are paid in full and should be listed as such. This wrong reporting information is causing me a hardship. 

XXXX XXXX XXXX Last reported XX/XX/2019 {$350.00} XXXX XXXX Last reported XX/XX/2019 {$2500.00} XXXX XXXX Last reported XX/XX/2019 {$950.00} XXXX XXXX XXXX Last reported XX/XX/2019 {$430.00} XXXX XXXX Last reported XX/XX/2019 {$220.00} This account below has wrong account balance and is paid up to date. 

XXXX XXXX Last reported XX/XX/2019 {$37000.00} This account below is not mines and i'm disputing. Also you will see this on my account twice. This company never contacted me or allowed me to dispute this debt. 

COLLECTIONS  {$31000.00} Reported balance XXXX XXXX XXXX   {$31000.00} Needs attention
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been comparing all three credit report there are accounts that were included in an alleged bankruptcy ( that has been removed ) that are inaccurate. There are also other accounts that are showing they closed on one date but are reporting after the closed date. Other are showing that it opened had been reported but nothing is showing for the month under history. I am asking that the following account be removed. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( these is an open account but reporting inaccurate so remove please )
Product: Bank account or service

My bank has charged within the last month over {$1000.00} in fees. When I look at my statement, a lot of the fees are caused by re-arranging how they process items when they post and on for pending items ( some of which never even posted ). I have contacted several times to no avail and even have spoken to their executive team.
Product: Credit card

I received emails from Chime about an account I didnt open and an email that theyd mailed a card I didnt request
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing one account that is on my credit report for Experian and XXXX and I have been getting nothing back regarding this. This one account is not mine!!!!! I have not even owned a card like this used or signed for any cards like this I need help I have filed FTC I have called the furnisher and the bureaus but to no avail please help this is ridiculous. 

XXXX XXXX XXXXXXXX - Acct # XXXX Amt {$17000.00}