23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I applied for a preapproval with Eagle Home Mortgage. I approved a credit pull, but only one. Instead, Eagle Home Mortgage pulled my XXXX  report, and then pulled a report for all bureaus, including XXXX. This resulted in XXXX inquiries on my XXXX report. 

Eagle Home Mortgage has indicated that it is their policy to pull a report from one of the bureaus to determine if the customer qualifies. After the initial review, they pull a report from all bureaus. This results in the consumer having a double inquiry for one of the bureaus. Consumers are not made aware that Eagle Home Mortgage will pull their report twice. 

I attempted to speak to someone about this for weeks. I left a message with multiple people, including my loan officer 's manager. I informed two of the loan officers and a rep at the company about the issue and they informed me that they would look into it. After weeks, I only got a reply after I contacted them again and threatened to file a formal complaint. Their response is that inquiries are only typically removed if there's an error. They followed up with claims that the second inquiry does not affect my score. They fail to realize that although the extra inquiry may not cause a drop in my score, the mere fact that it increased my total number of inquiries does affect my overall creditworthiness. They are also missing the point that I did not authorize them to pull my report multiple times. 

Eagle Home Mortgage should discontinue their practice of pulling consumers ' credit reports multiple times without their permission. When consumers provide permission to have their credit pulled, they have every reason to expect the company to only pull their information once and to seek permission for subsequent inquiries. I did not grant Eagle Home Mortgage the freedom to pull my credit as many times as they wish. I provided approval for one credit pull. So, one of the XXXX  inquiries should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I wrote to the agency requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled millions of Americans ' personal information and delayed in notifying the consumers. In response, they are offering a free credit monitoring service that also waives one 's right to participate in any class action lawsuit against Equifax. In addition, they are charging consumers a fee to place a security freeze with them. To capitalize on this unfortunate event, due to their gross negligence, is simply unacceptable. I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries which i never authorized. I never authorized any hard inquiry since XXXX of last year 2019. 
I never opened any XXXX XXXX plus account and it shows XXXX collections on my credit report? I only had discover credit card and capital XXXX XXXX and XXXX XXXX that's it. I am seeing a lot of collections and stuff financed which doesn't belong to me. I am victim of fraud. Someone have been using my identity and opening and financing credit cards without my consent
Product: Debt collection

XXXX was my health insurance provider in XXXX. They have wrongfully sent a disputed debt to a collections agency for {$760.00}. 

I received prior authorization in XXXX, XXXX, and XXXX from XXXX for treatment by an out-of-network XXXX. Despite the prior authorization for care, and despite filing grievances through XXXX XXXX  they consistently failed to correctly process claims. Each claim submitted required a complete grievance process to ensure appropriate reimbursement. I eventually filed a complaint in XX/XX/XXXX with the CA DepartmenXXXX XXXX XXXX XXXX XXXX that confirmed my prior authorization. The resolution was supposed to be for XXXX to process future claims correctly. Findings are attached for reference. Despite these findings, XXXX continued to incorrectly process claims, and I continued to dispute those incorrect claims through the grievance process. 

As of XX/XX/XXXX, XXXX began sending an incorrect request for reimbursement for XX/XX/XXXX treatments. I filed a grievance with XXXX on XX/XX/XXXX. XXXX did not confirm the grievance was catalogued in their system until XX/XX/XXXX. The grievance is listed under XXXX. As of XX/XX/XXXX, this grievance has not been addressed. 

I also filed a complaint with the CA Department XXXX XXXX XXXX on XXXX. The department released their findings and resolution on XX/XX/XXXX, stating, " XXXX XXXX XXXX has approved your request for as a one-time exception and will remove you from collections and/or avoid collective action. '' Despite this finding, XXXX incorrectly submitted the supposed " outstanding amount '' to a collections agency, Lamont , Hanley & Associates, and I received a collections notice dated XX/XX/XXXX. On XX/XX/XXXX, I emailed both the collections agency and XXXX with documentation to refute claim, including letters of prior authorization and findings from the XXXX. Lamont has not acknowledged receipt of the email, and I received a phone call from them XX/XX/XXXX at XXXXXXXX XXXX XXXX only acknowledged receipt of my email after I sent a follow-up email on XX/XX/XXXX, and a separate email on XX/XX/XXXX that referenced measurable material harm from the impact on my credit.
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 Amount Date Opened XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$34000.00} XX/XX/XXXX XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX {$42000.00} XX/XX/XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$25.00} XX/XX/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: Debt collection

I have repeatedly disputed the JEFFERSON CAPITAL SYSTEMS attempted debt collection of {$480.00} on a XXXX XXXX account. I have no knowledge of this account and believe it was opened fraudulently by an ex-spouse. The collections account shows charge-offs starting in XX/XX/XXXX and each time I've disputed the account ; I receive the same answer " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Re-investigation Information : This item was updated from our processing of your dispute in XXXX XXXX. ". This account is not mine and I've never used this account or obtained any gains from this account. I have also never received a statement or have any other knowledge on the nature of the account.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent a letter disputing for inquiries and accounts that are not mine to be removed from XXXX, Transunion and XXXX XX/XX/2021. I never received any response back from them. The credit company is not complying with their own policies in a timely manner.
Product: Debt collection

Transworld Systems Inc. Violating Debt Collection Laws I am submitting this complaint regarding Transworld Systems Inc. ( TSI ) for violating my rights under XXXX  law and the federal Fair Debt Collection Practices Act ( FDCPA ). TSI has repeatedly sent me letters attempting to collect on an alleged debt, as shown in the attached document. Despite my clear requests for debt validation, they have failed to provide the required documentation to validate the legitimacy of the alleged debt. 

Under the FDCPA, debt collectors are required to cease collection efforts until they have validated the debt upon request. TSI has continued to send collection letters without ever responding to my requests for validation. This constitutes harassment and a violation of my consumer rights under both state and federal law. 

I do not owe the alleged debt, and TSIs refusal to validate the debt while continuing collection attempts has caused significant frustration and distress. I request that the CFPB investigate Transworld Systems Inc. for its practices, require them to validate the alleged debt or cease all collection efforts, and ensure compliance with all relevant debt collection laws.

Attached is the most recent letter I received from TSI, which further demonstrates their ongoing refusal to validate the alleged debt. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized credit inquires and the credit bureau will not remove even after I informed that they was not authorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX ; I would like to make a case a complaint against this company Mariner Finance. They sent out a letter with a check in it. My mother and I have basically the same name and live in the same house. I dont see the mail because my mom and dad are retired so when I come home my mail is in my area to received. I placed the check in my account and did as usual. When I can time to pay the check back, I downloaded the account and called the company to set up everything to come out of my bank account so I could build up my credit. Well, I found out that it belonged to my mom. I informed the company that this was a honest mistake. Could they just transfer it into my name so I could pay it. They stated they needed a statement from my mom, which she wrote and we both signed stating she knew nothing about the loan and didnt want a loan. My mother is XXXX XXXX XXXX. I was trying to build up my credit so I can get married this year and buy a house. They told me I had to get a loan to pay this loan off then pay that loan off. I told them I wasnt going to do that. So while going back and forth with headquarters and the branch office they wouldnt allow me to make the payment until they say that was going to transfer it over. I also told them Im the one trying to get the credit not my mom. Why would I make a payment in her name when she didnt sign any papers, there was not ssn number on the paperwork. I wasnt going to do that either. Then the manager XXXX XXXX stated that she could get me for Fraud and tried to intimidate me to pay it. I called headquarters again and stated what was said to me. Im more afraid of XXXX than any man. I try my best to not be in a situation to lie. It was an honest mistake. My divorced name is XXXX, I was born with XXXX as my last name just as my mom. So I had to borrow the money from my partners savings for our house to pay it back. Instead of them allowing me to pay the {$3500.00} back they charged me {$3700.00}. My account for this company was XXXX. Can you please help me recover my money back. All I was trying to do was build up my credit to get married and buy a house. Very heartbroken of trying to do the right thing.
Product: Checking or savings account

Dates are approximate. 
On XX/XX/year>, I received an email from my credit card company saying that my monthly autopay was declined by my bank- US Bank. I called US Bank that day and they said my XXXX account was OK - no problems. I then called the credit card company and they again said my monthly autopay was declined by my bank- US Bank. I went to my local US Bank office and spoke to the manager who told me my XXXX  account was frozen and in the process of being closed. I asked why and he said because of a certified check that I tried to deposit in XXXX, XXXX, that was fraud. I told him that when I brought the check to US Bank to deposit that I was concerned it my be fraud. I asked if that was the case would there be any consequences to my account and they said no, the check will just be declined. 
My complaints are : 1. My account should not have been closed 3 months after trying to deposit a certified check 2. I was NEVER informed by US Bank that they were closing my account.
Product: Student loan

Would not arrange income based payments and had to go into forbearance for my loans.
Product: Mortgage

Every time I would apply for a loan to purchase my first home. I am always told do that I can finance my property at XXXX , XXXX Ca XXXX, This home was purchased prices was {$160000.00} from a XXXX in XXXX. I had never purchased such a home at all. This individual used the my same XXXX number as mine the Deed # XX/XX/XXXX. The Date recorded from XXXX was XX/XX/XXXX.Documentation number is # XXXX. The seller name is XXXX. The lot building deed number is XX/XX/XXXX the buyer name XXXX , seller name XXXX , Then the other Deed was XX/XX/XXXX the buyer was XXXX the seller was XXXX After checking into this matter I discovered that these individuals had stolen and bought my information.
Product: Checking or savings account

Unfortunately I trusted Citi Bank with my checking needs and they have lied about my account bonus multiple times On XX/XX/2018 I opened a new checking account with Citi. I already had a credit card with them and on my online account they had advertised the following offer : ** " Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : 1. ) Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 2. ) Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days '' ** I met those requirements, called and chatted multiple times with Citi representatives who said the offer was on my account and would be given within 90 days of meeting the requirement. 

On XX/XX/XXXX it had been 90 days since I met all the requirements and the terms said the bonus would be posted by then. I called after XX/XX/XXXX and said I still haven't received my bonus and a representative opened an investigation and said it would be given within 2 days. I called three days later and they said the same thing, I called again on XX/XX/XXXX and they said it will now take 60 days to process the bonus .... 

This absurd given the fact that multiple citi representatives said  otherwise and that it would take so long to honor a bonus that I have confirmed that Citi already knows is attached to my account and they have confirmed I have met the bonus. I met the requirements for the bonus on XX/XX/2018 and they are just stringing me along for the ride. I'm really disappointment with Citi and they integrity and honestly dealing with this issue.
Product: Credit card or prepaid card

On XX/XX/XXXX, I submitted a payment online for my American Express Blue Cash credit card for the total balance of {$310.00} from one of two bank accounts linked to the credit card account for payments. I incorrectly used one of the bank accounts, XXXX XXXX XXXX XXXX, that did not have sufficient funds instead of the correct bank account, XXXX XXXX XXXX XXXX, from which I 've been making payments to American Express for years, on time and well over the minimum due. When I realized the error, American Express had already tried two times to receive these funds from the XXXX XXXX XXXX XXXX account. As such, I received two {$30.00} fees for insufficient funds in the account from the bank. I immediately called American Express when I realized this error on Monday, XX/XX/XXXX. A representative understood my request and processed the payment of {$310.00} from the XXXX XXXX XXXX XXXX account. However, the next day, Tuesday, XX/XX/XXXX, American Express processed a third attempt to receive the funds from XXXX XXXX XXXX XXXX, for which I was charged a third time for insufficient funds. When I called American Express to address this third incorrect payment, they told me they would refund the returned payment fee that American Express charges but that they could not address the insufficient funds fee charged by my bank.
Product: Credit card

I disputed several transactions from XXXX with my credit, which is Discover. Some tech was not cooperating with my request. They wanted to charge my card over and over, so I disputed all the transactions and I explain to discover why I am disputing those transactions. You know any heads up any letters, any calls they closed my account. Ive worked so hard to take my score up to XXXX now Im at XXXX of their poor decision, I need this resolved and I need my credit back. I have hundreds of messages between me and thumbtack, which I have provided to Discover again they close my account without any notice no letters no call
Product: Debt collection

My personal and private information was sold to a third party credit collection company without my written permission. Par violation of title 15 usc 1692c ( b ), 1692b ( 2 ), 1692b ( 5 ), 1692e, 1692e ( 2 ) ( A ), 1692e ( 8 ), 1692e ( 9 ), 1692 ( 10 ), 1692e ( 12 ), 1692f ( 8 ), mail fraud / non mailable information, deceptive forms 1692j, Proof of original wet seal and signature not a copy!!! 
Extortion, embezzlement, The lawful definition of payment Requested validation from XXXX XXXX XXXX and no acquiescence, then they sold my non public/ private and personal information!!!! I did not give them permission!!!!! 
( I am power of attorney in-fact ) A consumer transaction The bill is in ALL CAPS!!!! 
Billing errors 31 usc 3123 18 usc 8 Ucc 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is in violation of multiple far credit act rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one and XXXX credit card Both of them I'm trying to dispute becues my dad have the same name and his stuff gets on my credit XXXX is also his and address and numbers
Product: Checking or savings account

On XX/XX/XXXX a charge hit my account from XXXX in the amount of {$10.00}. Within 5 days another charge of {$34.00} was charged to my account as Insufficient funds fee. Then on XX/XX/XXXX, and extend overdraft fee for {$15.00} was charged to my account. I called Chase on XX/XX/XXXX, and asked the to reduce the fee back to the original amount ( {$10.00} ) and I would pay it immediately because I felt it Chase was double dipping on me with the fees. The rep told me that Chase system only allowed them to reimburse me {$4.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, Equifax informed me of a data breach and told me I was an individual on the list of potential victims of a data breach that occurred over 1 month ago. There was no valid explanation for why it took over 1 month to report this to me, as the consumer. Upon calling the company multiple times inquiring as to whether or not my data was compromised, I was told again and again that they do not have this information. All I am able to find out is that I " may '' have been impacted. I have now had to go and spend a good chunk of my day checking all of my reports, verifying all of my accounts, changing all of my passwords, and so on ... for a " may '' have been impacted scenario. This is a company that I trust ( whether I want to or no ) to properly handle my personal and financial information. I would have hoped to have been properly notified when this breach occurred, as opposed to a month later. I would also have hoped to have a definite answer before going through this trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act 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 XXXX XXXX XXXX have ALL violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Debt collection

The collection was to have been placed in hardship status, due to a household member going through a life-threatening medical situation. This account has been bounced between collection agencies, when it was to be placed in said status. Callers have also berated a household member by stating " You need more medications from the VA '', when this has to do with XXXX. Actually, the caller was very disrespectful to a member in my household. Caller also threatened to take legal action.
Product: Mortgage

On XXXX I began receiving unwanted text solicitations from werenextdoor.com ( XXXX ) XXXX Next Door Lending and these have continued with no choice to opt out for over a month. I did not initiate any contact with this company and it is my understanding that I must give permission to continue texting me or an opt out. I do not have these. 

I would like this illegal harassment to stop and this lender reported to the proper agency so fine can be levied and I believe they owe my compensation for this unwanted, continued and illegal harassment. 

I have received well over 100 calls and texts from mortgage companies after my credit was pulled my a mortgage lender and going forward I will be reporting each one that violates my privacy through these texts.