23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2019 : I reached out to Quicken Loans to discuss a possible mortgage loan. I explained the full extent of my situation to the mortgage broker. She stated that she felt like she would be able to provide the loan I was wanting so I agreed to have her pull my credit report. once she did she immediately started talking to me about the " other loan options '' they offered. I asked why she was telling me about those because that's not what I wanted. She let me know that even though my credit score put me as " top tier '' that the fees they would charge would exceed what the state of Texas would allow. I let her know that she had just wasted my time because she should have been aware of that before pulling my credit. I believe that this was done intentionally in order to convert me to a different product offering. This is an unscrupulous business practice akin to a " bait-and-switch ''
Product: Credit card

While attempting to payoff and close an account held by Comenity Bank, the representatives were unable to 1 ) provide a total payoff balance amount including any unbilled interest charges and 2 ) accept an amount for that total. Instead, I will have to wait until the next billing cycle to payoff the accrued interest charges ( which were substantial given the DPR was XXXX XXXX ). I should be able to 1 ) obtain a total payoff balance and 2 ) process that payment. I would also note it took considerable effort to reach a representative to get someone who could help with a payoff balance. The system buried all options for live help and required fees to make payments on the phone with representative even though the requested payment amount ( remaining balance plus unbilled finance charges of around {$45.00} ) was not possible to make online.
Product: Credit card

I have a legal item showing on my credit report for {$3800.00}. This was from Capital One. I was not allowed to make minimal payments during a financial hard ship I was in due to particular medical issues and money. I was trying to work to keep this item paid the best I could at the time. They wanted me to put a huge " down payment '' in order to lock in and secure a settlement amount. I was not able to do that. I had no one to borrow money from and cause if this account on my credit I could n't do a balance transfer like they suggested. This item was place in my credit as a lien item ( ref # XXXX ). I have tried to work with them to get this matter resolved and was asking the best attempt to pay this with payments of {$50.00} which they told me I HAD to set up with auto payments. They did not allow. Me to make payments on this as a settlement amount, which I feel is unfair and a lie. I have heard other people are able to do so and have done so. They told me the lowest settlement amount was like 60 % of the total debt. I feel that was an unfair statement and a lie. The debt was places with a so called attorney office but they were very rude and harassed me about this bill continuously with threatening tactics. I made a complaint to capital one and it was supposed to be sent back to original creditor, capital one, they told me I would receive a settlement offer in the mail, but never have. I am tired of the stress and hassle to try to pay this dept. I have had many unexpected medical bills come up. I think it is wrong when companies take advantage of consumer because we do n't know the proper wording to use to get them to be honest with us. It is unfair that one can pay 30 % of a debt that is owed and make payments toward that but they refuse to allow me to and say that 's not possible. That is unfair and deceptive and against the law.
Product: Debt collection

Phone call to wife 's phone number asking to speak to me regarding a debt. They would not tell her when she asked but needed to speak to me about a personal matter. I took the phone and the caller asked for my birthdate, which I should have not given over the phone, but I was told it was about a debt that was incurred. I could not recall any debt and I lost my temper because the individual said that they would like to call me back in a few days which I told them in a not so nice manner that they could not call me back in a few days and I continued to tell them that I would contest the debt with the agency named Security Finance. The individual also kept asking for my address but I refused to give it to them. I still do not remember having a debt with them since it has been a few years back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : 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

Hello I have been disputing these accounts with this company for over 2 years now and they refuse to remove the accounts that I already verified where not me. I submitted a Identity affidavit when I got my Purse stolen and cards where opened in my name. I have address that have ton date not been updated. this has caused so much hardship on me and my family. this is my 6 or 7th letter disputing the same accounts over and over again. I am now seeking a lawyer for the damages this has all caused me, Its unfair, you guys re not following the law. I have yet to receive 1 single contact barring my signature for any of the accounts that you refuse to remove. I have kept a close record of all the certified mail I have sent and I plan on escalating the situation within the next 30 days if you do not correct this issue immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried everything that I know how to do correctly, Still, XXXX, Equifax and XXXX will NOT remove this from my credit report even though I have submitted this information to you 3 times already. Not only that they decided to double the amount to add insult to injury. 
This loan should have been removed 2 years ago it's NOW 11 years later & it's like gum stuck to the bottom of your shoe they seem to want to punish me for the rest of my life cause I lost my job ... ..the Law in NJ under Statue :, New Jersey Statute of Limitations on Debt Collection, SAYS -- - Demand Notes when no demand is made : 10 years. If demand made : 6 years from date of demand, ( 12A : 3-118 ( b ) ). THIS DEMAND IS PAST THE STATUE?? 
( XXXX XXXX XXXX XXXX ) I'M trying to get a better job & place to live but they, ( XXXX  ) ( XXXX ) ( EQUIFAX ) NOR ( XXXX XXXX XXXX XXXX ) ARE ALLOWING ME TO MOVE MY LIFE FORWARD. WHAT DO I NEED TO DO TO HAVE THIS DROPPED FROM MY REPORT. Please help me with this is was Suppose to be Removed ALREADY ... 
Thank YOu for your assistance in this matter without your help, I don't know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraud alert on my account. There is NO fraud on my account XXXX XXXX XXXX is a property that I cosigned for my brother. I am NO longer on the mortgage. I've reached out to the mortgage company with is now XXXX XXXX  and no longer XXXX XXXX XXXX XXXX  to remove it from my credit report. I was in the last 48 hours added as an authorized user onto a XXXX account. That is LEGITIMATE. THERE IS NO FRAUD. PLEASE REMOVE THE FRAUD ALERT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on XX/XX/2021. In regards to the incorrect items on my credit report and it has been well over 30 days and I have not received any investigation results.
Product: Credit reporting

Trans Union I 'm a victim of a transition glitch. 

Inquiries not authorized XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Checking or savings account

I am submitting this complaint because I am currently unable to open a new bank account due to multiple previous accounts that were closed with a negative balance. These accounts are being reported to consumer reporting agencies like XXXX and/or XXXX XXXX XXXX by the following banks : Truist Bank While I acknowledge that some of these accounts may have had negative balances, I was not properly informed of the closures or final balances owed in several cases. I was also not provided a clear breakdown of the charges or adequate opportunity to resolve the issues before the accounts were closed and reported. 

These unresolved or unverified reports are now preventing me from opening any new checking or savings accounts, which is severely impacting my ability to manage money, receive direct deposits, and pay bills. 

I am requesting that a full investigation be conducted into the accuracy and validity of these reports. I also request that I be provided with any documentation that proves the final amounts owed, transaction history, and communication regarding the account closures. 

If these debts can not be verified or if the reporting banks can not provide proper documentation, I respectfully ask that the negative reports be removed from my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding that these major credit companies cease it reporting unknown and unauthorized accounts on my credit file inwhich I have disputed. I'm disputing these accounts cause they are not mines and the fact that I been XXXX since 2016. I'm asking for signed contracts and any other physical Verification that you have in support of you and your companies that'll solidify your reportings. In my research it is fact that electronic Verification can not be accepted as any proof. So please provide physical documentation or remove the following accounts immediately. 
1 ) XXXX XXXX XXXX {$290.00} 2 ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trans union has reported bankruptcies on my credit report without my consent and will not provide the company that provided this information because I have verified with the courts that they do not nor have they ever released consumer data to any credit bureau
Product: Money transfer, virtual currency, or money service

I would like to receive all moneys reporteded returned!
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXXXXXX, account number XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ). 

This account contains inaccurate information. It is not a true reflection of my credit history and continues to appear on my consumer report, despite my multiple attempts to have it removed.

Under 15 U.S.C. 1681 Section 602 A, I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX  XXXX has violated these rights by failing to remove the inaccurate information from my report. I request that you investigate this matter and ensure that XXXX  XXXX corrects the inaccurate information and removes the account from my credit report. 

Thank you for your time and attention to this matter.
Product: Mortgage

Popular Mortgage assigned the appraisal firm XXXX XXXX XXXX XXXX XXXX to carry out the appraisal of unit XXXX XXXX XXXX XXXX XXXX, XXXX, P.R. XXXX XXXX XXXX XXXX XXXX ' appraisal report for apartment XXXX XXXX XXXX XXXX states that the appraised value is {$170000.00}. The appraisal report has errors and inconsistencies for this reason I request a reconsideration of the appraisal. 
The report reflects that the appraisal firm XXXX XXXX XXXX XXXX XXXX is not familiar with the supply and demand of real estate in the municipality of XXXX, Puerto Rico or has the intention of representing the market incorrectly and attributing an appraised value inconsistent with reality and in this way, I wont be able to benefit from the most attractive product that Popular Mortgage qualifies me for. 
Popular Mortgage and XXXX XXXX XXXX XXXX XXXX are formally requested to evaluate all the data provided and make the necessary adjustments to reflect the appraised value of the XXXX XXXX Cond Sea View based on the information available and the reality of the market. Otherwise I request a reimbursement of appraisal amount {$580.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

have sent 4 dispute letters over the course of 5 months to Equifax disputing items on my credit report that are inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT or the source used to verify that the account is accurate, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 
ACCOUNTS ( XXXX XXXX XXXX - XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) [ XXXX XXXX - XXXX ] ( XXXX XXXX - XXXX ) ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a citi retail services, citi bank online card with them and LLbean. Called on XX/XX/2020 due to the XXXX XXXX outbreak, and being infected. Could barely talk. Told the guy that I need to defer the XXXX payment due to hardship. He said dont make the payment and you will be penalized. Other credit card companies I have dealt with now waived payment and interest for one month. I presented this to him. Left me on hold waiting for supervisor for 2 hours before I hung up.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XX/XX/XXXX Subject : Credit Report Dispute under 15 U.S.C. 1681 ( e ) To Whom It May Concern, I am writing to formally dispute the accuracy of the information listed on my credit report, as per the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. Specifically, I have identified the following inaccuracies that I believe require correction : 1. Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Partial Account Number : XXXX o Date Reported : XX/XX/XXXX,, XXXX o Nature of Dispute : Identity Theft. I believe this account was opened fraudulently in my name without my authorization. 
As per the Fair Credit Reporting Act, I request that you conduct a thorough investigation into this matter and update my credit report accordingly. Under 15 U.S.C. 1681 ( e ), credit reporting agencies are required to investigate disputes within 30 days of receiving a dispute notification. 
To assist in resolving this issue, I am attaching the following documents : Please see attached Data Breach supporting documents. 
I respectfully request that you remove or correct this fraudulent information on my credit report immediately. Please provide me with the results of your investigation in writing and include any actions you have taken to resolve this matter. 
Thank you for your prompt attention to this dispute. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, Portfolio Recovery Associates, XXXX, sent me a notice of an alleged collection account from XXXX XXXX XXXX in the amount of {$470.00}, by mail. This is a fraudulent account. 

I responded on XX/XX/XXXX, to Portfolio Recovery Associates, XXXX, by certified mail, with a debt validation letter- disputing the validity of this account, and a cease and desist with specified remedies- outlining the 30 days period to respond as required by law. 

On XX/XX/XXXX, Portfolio Recovery Associates, XXXX, responded to me through the mail that an alleged account was sold to them, in my name, on XX/XX/XXXX. The response failed to address my demand for documentation proving this alleged account is mine and failed to honor my cease and desist. This account presents defamation of character and derogatory remarks on my consumer credit reports and hinders me from operating freely as a consumer, in commerce.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with Equifax credit bureau sending them letters in regards to disputing an account on my credit report. The first letter was sent, XX/XX/XXXX, then another letter was sent on XX/XX/XXXX, another letter sent XX/XX/XXXX, and another letter sent XX/XX/XXXX, and the last letter sent to them was sent on XX/XX/XXXX. 
Yesterday, I received a letter from them dated XX/XX/XXXX, stating that the identification information I provided them does not match their records and then they requested me to send vertification of my identification and current address. My address and identification has not changed since my first letter was sent to them on XX/XX/XXXX, so how all of a sudden can they not find my credit report when my personal information has not changed. They are also taking 2-3 weeks to answer a letter and then send me notification that an investigation is taking place. This is now causing a debt question or validation or anything sent to them taking 45 days or longer to get a response from them or from the creditor. I do not feel this is acceptable and needs to be changed on their end immediately. I have a copy of my Credit file that was sent to me by them with a date of XX/XX/XXXX and a Confirmation # of XXXX and now they all of a sudden can not find my credit report. Again, this is totally unacceptable and needs to be addressed on their end immediately and fixed. I will try and attach the letters that have been sent to them in this complaint, but I do have copies of all the letters that I have sent to them, if I am not able to attach the letters. 
My Birthdate is XX/XX/XXXX, but Section # 4 keeps listing it as XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number which was recently issued to me migrating to this country in XX/XX/XXXX. When i was nally able to check credit reports and scores there were address listed that i never lived at and phone numbers that i never had and accounts that were open years before i migrated  to the US. XXXX XXXX XXXX account ending in XXXX according to XXXX credit report is not mine. This account needs to be removed because this is impacting me every day of my life. Again this account is not mine never was and never will be because i migrated to the US in XX/XX/XXXX and this account was open XX/XX/XXXX. There's also a slew of inquiries from several creditors that i have never submitted applications with. The inquiries re from XXXX. XXXX, Equifax & XXXX have repeatedly allowed inquiries to appear on my credit report without proper verification especially since Identity theft has been noted on my account since XXXX.
Product: Credit card

I ordered this flooring due to an XXXX insurance claim from XXXX of XXXX. Part of the kithcen floor was removed for mold mitigation around XX/XX/XXXX. 
XXXX {$49.00} to have Home depot come out and provide estimate. 
XXXX completed. As stated above, a portion of the flooring was already removed for mold mitigation, the estimator could see all aspects of the floor including original floor thickness. 
XXXX with flooring desk to order flooring based on estimate 's specs. Purchased flooring on XXXX credit card for supplies and installation. 
XXXX arrived but stated that my subflooring needed to be leveled. rescheduled install. 
XXXX leveled XXXX arrived to install new floor but had to come back because they ran out of trim. 
XXXX informed installer that I was not satisfied with flooring and that I would not be signing the installation completion paperwork. There was gaps around all of my doors and floor molding. There was also a large scratch that was under the furniture. Notified XXXX XXXX XXXX XXXX and Citibank credit services that I was unsatisfied with flooring. Flooring contractor 's manager called me and XXXX me out because I would not sign off that the flooring was complete. 
XXXX went to the store to try to get resolution from store manager but only offered a {$500.00} store credit. I told owner that they could pick up product because I was not satisfied. Since this was an insurance repair, I needed a certificate of completion to claim my depreciation so I needed the flooring finished or that they could come remove. 
XXXX a call from flooring rep XXXX letting me know that they XXXX be sending a XXXX out to make the repairs. 
XXXX repair estimate from XXXX for trim repair and sent to Home Depot store. 
XXXX numerous emails for status or for Home Depot to remove the flooring. No response until XXXX when they offered to pay XXXX price to make repairs. I declined this offer. I do not feel that I should be responsible for a bad flooring install. 
XXXX XXXX response from Homedepot. 
XXXX a letter from Home Depot credit services that my XXXX XXXX XXXX XXXX I reopen the dispute case and attach all of my emails and documentation. 
XXXX notification that dispute was denied again and was informed that I had to get with store XXXX to resolve. 
XXXX message for store XXXX named XXXX with XXXX XXXX. 
XXXX called me back and offer the same {$500.00} credit that I declined because it did not cover the cost to make repairs.
Product: Debt collection

I received a letter to collect a debt in XXXX of XXXX in the amount of {$830.00} from THE CBE GROUP, INC, I disputed the bill on XXXX XXXX through their online portal ( see attached ). I received a letter dated XX/XX/2023 stating that the balance is due on the validated account. The information was not validated as per my request. 
After further research into the company, I found out that the debt collector is not licensed to collect a debt in the state of Florida as of the date the initial attempt to collect a debt and the date of response dated XX/XX/2023. I am alleging that THE CBE GROUP, INC has committed identity theft against me being that they received my personal and medical information by representing the company as a debt collecting business. This has caused me undue stress and mental anguish.