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

XX/XX/year> Started sign up for account registration with Experian. Account registration did not complete process. Tried to resolve repeatedly. Unsuccessful each time. 
XX/XX/year> Made numerous phone calls to various numbers listed on Experian website. Each number only allows access to an automated system. There is no option for speaking with a human to sort out a problem like finishing account registration. 
XX/XX/year> Tried to complete account registration online and by telephone. endless loop of automated system that provides no option for my issue or speaking with a human. 
XX/XX/year> More phone calls and online attempts to resolve issue. Impossible to resolve thru Experian phone or online methods. Submitted online chat on XXXX XXXX. Described problem. No response. Additionally, I read some other comments from other Experian account holders. It appears that Experian has no intention of ever providing a way for contacting someone with the knowhow to solve a problem. 
In my opinion, Experian does not serve its purpose of allowing consumers to protect their credit rating. Experian seems at best inept and possibly even fraudulent in claiming that they help consumers protect their credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, also have been affected by the XXXX XXXX XXXX on a federal and state level. The following accounts are accounts that I have been affected by : XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that NATIONWIDE RECOVERY would verify the debt. So I took it upon myself to ask NATIONWIDE RECOVERY for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Debt collection

On XX/XX/XXXX while checking my credit report i discovered that " XXXX XXXX XXXX XXXX '' Assigned an account to collations in the amount of {$5700.00} to Reliant Capital Solutions for nonpayment on XX/XX/XXXX. No Acct number or XXXX information is listed for this account. I have never applied for or attended XXXX XXXX XXXX XXXX. I have never lived in the state of XXXX. I have never received any correspondence for this lender or the collection company they have assigned this debt to, but they have reported to the credit reporting companies a fraudulent debt I do not owe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have made inquiries without my authorization. This has negatively affected my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

never applied for any credit cards as i have been working to improve my credit score in the last months. I regularly check my credit report and noticed one day on XX/XX/2021 I had my credit pulled for a inquiry I have never made. I have tried calling XXXX XXXX and Transunion and nobody has been able to even locate the account.
Product: Payday loan, title loan, personal loan, or advance loan

I received a lawsuit on XX/XX/year>2024. I reached out to the attorney to try and resolve the matter. On XX/XX/year>2024 I was told that they would only accept the full amount due plus interest and an agreed judgment. I offered to pay the total amount due with interest at the Ohio legal rate of 8 % with payments each month and they needed to dismiss the lawsuit and I would sign a settlement agreement with them. The attorney told me that they had rejected my offer and there was no counter offer. This seems to me that they are not negotiationing in good faith and they have refused to accept the full amount due plus interest. They are trying to charge 23.8 % which is above the usury rate in Ohio, which is 8 %.
Product: Mortgage

We have been with PennyMac for the first year, and every month we pay all our insurance and taxes for the whole year. I have been getting email after email asking us to refinance our home so when we call to inquire, no one can help and they always hang up on us. So today I receive a letter in the mail saying that they have not received our insurance payment for the year and that if they don't receive it in 2 weeks then our homeowners insurance will be cancelled. I keep calling to speak with a representative that actually has some common sense about home loans but we can not even get a competent person on the line that can either help or know how to work a phone when transferring us to the right department. They have lied to us multiple times saying they will call back and they won't. I have left message after message and no return phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

The report is clearly inaccurate. There are payments after the CO remarks yet only in one credit bureau. Also the dates are reported inconsistently. Please have this deleted. Also several inquiries are pulled without my authorisation.
Product: Credit card

I called amazon to payoff the {$65.00} whicj the last balance I had to pay it off and they stated they did not have any record of my account, so I disputed the information to get it removed be uase according there was no record whatsoever.
Product: Credit reporting or other personal consumer reports

See attached Debt Validation Demand Letter, and Cease and Desist Letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, 2019 XXXX XXXX. XXXX XXXX Application Number XXXX XXXX, WY XXXX Weve helped protect your identity. 
Dear XXXX XXXX : Were XXXX XXXX XXXX and we handle everything related to the XXXX XXXX XXXX XXXX XXXX credit card. 
We received the correspondence you sent to the Consumer Financial Protection Bureau ( XXXX. No. XXXX ). You indicate an application was submitted for a XXXXXXXX XXXX  XXXX XXXX credit card using your personal information. You did not authorize anyone to view your credit file and state it is a violation of the FCRA. You request documentation validating your authorization or the inquiry deleted from your credit file immediately. 
No account was opened in your name. We requested the credit reporting agencies remove the inquiry from your credit report. It may take up to 45 days for the credit reporting agencies to update your credit report. 
We suggest you take the following steps to help protect your identity :
Product: Debt collection

I MOVED OUT OF THESE APARTMENTS IN XX/XX/XXXX. XXXX A STAFF MEMBER OF XXXX XXXX OFFERED TO COMPLETE WALK THROUGH AS XXXX XXXX HAD THE OFFICE CLOSED DURING BUSINESS HOURS AND WAS UNAVALIBLE XXXX INFORMED THAT EVERYTHING CHECKED OUT GOOD AND XXXX WILL MAIL DEPOSIT ALONG WITH COPY OF WALK THOUGH I PROVIDED KEYS TO THE UNIT. HE REQUESTED CONTACT INFORMATION FOR XXXX IF ANYQUESTIONS. I PROVIDED MY FORWARDING ADDRESS AND EMAIL AND CELL NUMBER AND MOTHER. I NEVER ONCE RECIEVED ANY COMMUNICATION/ CORRESPONDENCE OR DID ANY STAFF MEMBER OF XXXX XXXX XXXX ME IN REGUARDS TO ANY BALANCE DUE OR OWED NEVER RECIEVED MY DEPOSIT CALL NO ONE ANSWERED OFFICE WAS ALWAYS CLOSED WHEN I WENT BY. LEFT IT AT A LOSS. I SEEN ON MY CREDIT REPORT XXXX XXXX XXXX WAS REPORTING A BALANCE OF {$430.00} ON XX/XX/XXXX HOWEVER COM IN WHICH WAS NEVER DISCLOSED WITH ME I ASKED THEM FOR PROOF AND DOCUMENTATION THAT SOMETHING WAS SENT TO ME BECAUSE I DID LEAVE M CONTACT INFORMATION AND STILL HAVE NOT RECIEVED ANYTHING CALLED APARMENTS SPOKE WITH XXXX STATED COMPANY HAD BEEN BOUGHT OUT NO LONGER IN BUSINESS. I ASKED THEM AND HAVE DISPUTED THIS COLLECTION FOR MONTHS AND NO RESOLUTION.
Product: Credit reporting or other personal consumer reports

I have a fraud alert on my credit report which means creditors have to contact me to verify my identity when they perform credit check, which results in a hard inquiry on my credit report. On XX/XX/year>, I was contacted by Wells Fargo. I was informed they were contacting me to verify my identity because I have a fraud alert on my credit report. I verified my identity as accurate, as I did apply for credit with Wells Fargo. Upon verifying my identity, I checked my credit report a few day later an noticed I had XXXX hard inquires from Wells Fargo on XX/XX/year>. I contacted Well Fargo and informed them of this. Wells Fargo informed me XXXX placed an extra hard inquiry on my credit report. I told them that is impossible because XXXX will only place a hard inquiry when asked to do so and in this case they have Wells Fargo listed for XXXX hard inquires placed on my credit report on XX/XX/year>. They told me to contact XXXX. Upon contact XXXX, I was informed they will not place a hard inquiry unless contacted my a creditor. Besides, both hard inquires are listed for Wells Fargo. I contacted Wells Fargo and demanded they remove on of the hard inquires and they have been adamant that only XXXX inquiry is on my credit report. How can the creditor tell me what is on my credit report? I would like to know how can I take litigation against Wells Fargo for this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, Experian XXXX : Victim of identity theft To whom it may concern these inquires in my credit file or report are from unauthorized use of my social security number and card. i did not authorize these inquires to be taken out in my name nor they relate to anything i did. im unaware of any of this. Please REMOVE this information no later than 4 days after receiving this letter under 15 U.S. Code 1681c2. This letter was not sent in error or a misrepresentation. Your company must follow the proper procedures to make sure this get deleted in the time frame it state. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I sent for my three free credit reports. Only XXXX  sent the report which I received on XX/XX/2019. Tans union said they needed more information, which I sent in late XXXX and again in early XXXX. To date I have not received my credit report from either Trans union or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to obtain my free credit report via equifax and was asked several questions that " did not '' pertain to me. I have never taken out a mortgage loan and my revolving account was from XXXX nor have I ever taken out a car loan or lease! I verified my two most recent addresses and feel that the mail request for my personal and confidential information is a bit over the top! I have provided a copy of the documentation requested by Equifax. Again, I was denied online access because the questions asked were not at ALL pertained to my person! They are asking for my SSN, pay stub with SSN, W2 form, lease agreement and other things that are just too personal and confidential to send to this company. I accessed the other two reporting agencies with questions that were pertinent to me. 

XXXX is showing my account to be potentially negative with a hx of never late, PIF and closing of account ... .I filed a dispute and also there are multiple addresses listed for me that I have never lived!
Product: Checking or savings account

On XX/XX/2019 I deposited a mobile check in the amount of XXXX with the authroization of my grandmother ( she signed the check over to me and lives at the same address as I do ). Citibank accepted the check and processed a XXXX dollar credit. Every month I receive a check from my employer in the amount of XXXX. However, they are refusing to process the check any further and have locked my account completely. I keep on being told the check is under review and there is no resolution. The check is from a local dealership issued through their bank XXXX XXXX. The dealership has recently changed hands, however, and banks as well, which means a new check can not be issued and their is not an option for a stop payment. There is not a branch in the state for my bank where my grandmother can present her ID and resolve this ( another option presented ). There are only commercial offices for Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : 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
Product: Mortgage

I am never late with my Mortgage Payments, in fact, I always add enough money to cover at least the next Principal Payment. 
As I am nearing retirement, I am interested in paying off my mortgage entirely so I am now sending additional principal curtailment checks after I send in my monthly payment check. 
The Mortgage Co credits my payment check to my account in two days, but takes 7 - 10 days to credit my principal curtailment checks. Why? 
They claim the delay is due to " Receiving and Processing ''. 
I think they are earning interest on the money and just not being honest about where it is and why it takes so long.
Product: Credit reporting, credit repair services, or other personal consumer reports

company involve is experian they are reporting 3 account with error i have dispute for 2 month ago and they still reporting wrong information this account are the following XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX experian did not enter notice of dispute this is a violation of section 623 of FCRA
Product: Mortgage

Bought house last year. Received tax Bill XX/XX/XXXX and sent it to mortgage company. Mortgage company did not pay the Bill that was due XX/XX/XXXX. There were 2 bills and they did pay one. Called mortgage company, assured the other would be paid. In XXXX, even though it was due in XXXX. called and spoke with an escalation specialist. Her name was XXXX, employee number XXXX. Called mortgage company several times. Checked with city today. Still not paid, although mortgage company says they sent it XXXX XXXX. In the meantime, the county sent a letter saying if not paid by XX/XX/XXXX, a lien will be placed on my property. Called mortgage company again. Spoke with another escalation specialist named XXXX # XXXX. She said money was sent to another department in their company and then sent by USPS. She could not give me a date or any tracking information. 
Company : Amerihome Mortgage, XXXX XXXX XXXX, XXXX NJ XXXX
Product: Debt collection

XXXX, XXXX and XXXX ( representing Caine & Weiner ) contacted me multiple times to collect a debt that I don't owe from XXXX XXXX. When I asked them to provide me any proof from XXXX they sent a document that has information doesn't relate with me like the physical address, policy number and policy period. I told them this is not mine but thy couldn't understand me. I tried to tell them I never lived in the address mentioned in the document, I never had that policy number neither the policy period and never driven or owned the vehicle you are talking about. they ignored what I said and kept threatening me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX XXXX account I disputed 1 derogatory charge from a hospital on XX/XX/XXXX of this year with Equifax but instead of them disputing that 1 derogatory charge they messed up and disputed all 26 of my accounts that are in good standing and when I called to have this fixed because I dont want my accounts disputed or closed they said there's nothing they can do to fix it and on top of that it dropped my score by 10 points this needs to be fixed I worked very hard to get my credit cards and build my credit I'm honestly about to contact my attorney.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXX Balance : {$2300.00} XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

On XX/XX/XXXX, I ordered 48 windows and a patio door from XXXX 's, including installation services and a lifetime warranty. XXXX 's contracted to inspect the property, order the correct windows and door, deliver the windows, and install the windows in accordance with XXXX 's installation instructions and local building codes. I was promised that windows would be delivered and installed from XX/XX/XXXX through XX/XX/XXXX. No windows or doors have been delivered or installed that are appropriate for installation in my home, that could be installed in accordance with XXXX 's installation instructions, that are the correct size, or that comply with local building codes. I paid XXXX 's {$40000.00} on XX/XX/XXXX and {$39000.00} on XX/XX/XXXX for the services that XXXX 's has failed to provide. 

Based on the failure of XXXX 's to provide any of the contracted services, I demanded a refund from XXXX 's on XX/XX/XXXX. I filed a claim with Chase on XX/XX/XXXX to dispute the charge on my credit card. Chase has failed to take any action or provide any information on my claim, despite dozens of calls and messages to Chase.
Product: Debt collection

I sent a letter requesting Validation of debt owed and the debt collector sent me medical records. This was a violation of XXXX law. It is disturbing that a debt collector can access my health records.
Product: Money transfer, virtual currency, or money service

I want to express my concerns regarding Zelle handling disputes particularly in the light of recent CFPB lawsuit highlighting significant issues with the platforms. Despite using Zelle many times my financial institution and zelle failed to investigate adequately. It allowed repeat offenders to exploit the system, and leaving consumers vulnerable for scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX account # XXXX and XXXX account # XXXX and XXXX  account # XXXX has violated my rights as a consumer. 

15 U.S.C 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 602A Section 2 states a consumer reporting agency can not furnish an account without my WRITTEN INSTRUCTIONS Under 15 U.S Code 1681b Permissible purpose of consumer report. I never gave you any written consent to report anything on my consumer report. 


As a consumer by LAW, these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my state and city. Also I have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorneys General Office, XXXX XXXX XXXX and The Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit act XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/20 regarding inaccurate and unknown things on my credit report. To this day, over 70 days later, I have not received a response yet for all my disputes on incorrect items. I know this is not right, and I feel like my disputes are being put on a back burner. I am following up with the CFPB because I feel like I'm being taken advantage of. Section 611 ( a ) states that the credit bureaus ' failure to investigate all of my listed items within 30 days gives a reason to immediately remove those items from my credit report, but it has been over 70 days so they should be deleted promptly. I demand all of these accounts be deleted immediately or I WILL FILE FOR LITIGATION due to the stress and pain you have caused me. I also noticed that there are major errors on my report due to my information being impacted by the equifax data breach. It is obvious that people have been applying for things in my name. Not fun!
Product: Vehicle loan or lease

I purchased a car two weeks after engine light on. Dealer said its as is. They paid for XXXX of a XXXX bill. Then 3 weeks later the engine light came back on. I took it to a dealer and now they say the repair will be XXXX dollars. I owe XXXX so I believe the dealer should buy the car back it's a lemon. I will need to get the car repossessed and it will ruin my credit. I'm a single parent and need a car to get to work...
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Equifax has violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Product: Mortgage

My complaint is about American Pacific Mortgage ( XXXX  XXXX XXXX, AZ XXXX ) assessing a flood insurance fee of {$2300.00}. However, when closing came there wasn't any mentioned on their part to get flood insurance in a area that doesn't flood. 
I have spoken to FEMA ( unfortunately ) and FEMA wants me to do an inspection and obtain an XXXX XXXX which cost {$4500.00}. 
Furthermore, I received a phone call from FEMA ( XXXX XXXX, 2021 ) indicating that my subdivision where my house is didn't require an XXXX XXXX. Go figure! 

Now, American pacific Mortgage wants me to pay that amount, but I will not. XXXX should have known I didn't have the flood insurance at closing, but XXXX waited 4.5 months to now assess me with this high flood insurance fee. 

As far as I know I am allowed to choose my own insurance. However, I did contact APM a couple of times about this and I never heard back from any one. 

I CAN NOT AFFORD to pay {$200.00} + XXXX + {$160.00} = {$1900.00} per month when XXXX should've told me this before closing. This is ridiculous!