23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I was sold a Timeshare in XXXX XXXX NJ at the XXXX XXXX through a company doing business as XXXX. Subsequent to the agreement, I had an issue where my wife took ill and needed surgery. Since she is the primary income provider, I found myself unable to meet all of my obligations. I determined the Timeshare was an unneeded expense so they were not paid. They started harassing me. I looked into this whole timeshare issue and found out that my membership was nothing more than a source of income for the Hotel, that if I were to simply reserve a room through the Internet at the exact same location, it would cost me less than HALF what I pay annually in Maintenance fees and taxes. When they called back after I discovered this, I informed them that I was misled and refused to pay any more into this unless they could prove to me any sort of value in what I purchased. They have since then threatened me with legal action, including Check Fraud and when I informed them that their threats were in fact a violation of the Fair Debt Collection Act, they stopped the calls but now have started doing " Hard Inquiries '' into my credit, XXXX on XXXX XXXX 2015 and the latest on XXXX XXXX 2015. I called TransUnion and they informed me that the only way to get these unauthorized inquiries removed was to contact XXXX in writing and ask them to allow the inquiries to be removed. I find this totally unfair and as I understand, illegal as I have not authorized these multiple inquiries into my credit and as a result have suffered a XXXX point drop in my credit score. I ask for your assistance in getting this unfair practice stopped and that XXXX be ordered to cease and desist from these practices. This is nothing more than a scam in my opinion and their utilization of these tactics to damage my credit score nothing more than a form of extortion and needs to stop now. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I need help with a dispute that I sent on XX/XX/2020 regarding some inaccurate things on my credit report. It has been almost 90 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires listed on my credit file that do not belong to me. I have sent letters to Equifax to get them deleted and they are just ignored. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out to the companies. They stated that a dispute needs to be filed with equifax. Factual record of file access is not factual when its fraudulent inquiries. FCRA states that the CRA must investigate any inaccuracies reported on a consumers credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered that XXXX  XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from XXXX  XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX  XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1. Please provide a breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until the debt has been validated by me. 
4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request for debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
Product: Mortgage

Charging us extra on our lawn even though we paid insurance up front from the company we cancelled from
Product: Debt collection

XX/XX/2021 XXXX XXXX  - A man called claiming to be from CBE Group ( phone number XXXX ). He had my name, address, and the last four digits of my social security number. He asked me to confirm that I was [ my name ] whose SSN last 4 digits was # # # # and I said yes. He was the 2nd person to call in 2 days claiming to be from CBE. He told me he was attempting to collect a debt of XXXX {$900.00} from XXXX. I told him I had never had a XXXX account and he told me he was going to transfer me to the fraud department. After three attempts, someone answered and said he was with the fraud department and how could he help me. I told him he should know because the guy just transferred me to him. He said he didn't know but he could help me anyway. I hung up. 

I called XXXX and they confirmed that I did not have a debt and that that number they called from wasn't one of theirs nor was it one of the numbers from which their contracted 3rd party collections agencies called. 

I called CBE 's main number and spoke to someone who collects for XXXX and she confirmed that my number was not associated with any number they had for collections.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I open account with Citibank I gave them a {$500.00} deposit to get a credit card I never received the credit card so I cancel my account they told me that they would mail my refund out the {$500.00} deposit they say that they put it in the mail on XX/XX/XXXX would take 7 to 10 business days today is XX/XX/XXXX and I have still not receive my deposit refund I just spoke to someone on the phone from the company Citibank they told me that the check was returned to them on the XXXX and they will issue me a new check which is a lot of XXXX I always receive mail from them now all the sudden my check was returned with no explanation
Product: Student loan

I took out a {$15000.00} private loan in XXXX for XXXX XXXX from XXXX XXXX ( which was later transferred to Navient ) while I prepared to study for the CA XXXX exam. In XXXX I filed for Chapter XXXX bankruptcy and had my debts discharged. I listed the private loan on the schedule but was told it was not dischargeable in bankruptcy. After the bankruptcy I continued to pay on the private loan and still have a balance today. I recently saw an article about a decision in a Navient case that said this loan should have been discharged and I could file a complaint for assistance. 

Here is the article : https : XXXX I have spent over {$15000.00} in payments and still owe about {$8000.00}. I would like help sorting this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

So banking info that was stolen when my car got stolen then they put a fraud check in account I tried showing police report and other evidence but they blocked from uploading any info
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I wrote the company expressing we were having some financial difficulties due to COVID. I asked to postpone my account for 180 days. I received a letter back on XX/XX/XXXX. My automatic draft was stopped and I contacted the mortgage company to make sure my payment still came out since I hadnt heard back about forbearance. I was told my account was good and they received payment. I still have not received a forbearance so on XX/XX/XXXX I paid my mortgage since the automatic payments were stopped by the company. I received a phone call from company on XX/XX/XXXX saying my XXXX payment never came out and they had made an error and paid my account with someone elses funds. I told them that I had asked for a forbearance but I called and the associate told me my account was good and all statements I received said my account was good. I asked them how am I 30 days late when I just made a payment on XX/XX/XXXX. This company has reported to the credit bureaus more than once that I have been 30 days late. I dont understand how this is correct or legal. One I was not aware nor did anyone contact me before XX/XX/XXXX by phone or mail. Second I asked for a forbearance in XXXX and I yet to get it or any correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has no accounts tied with my credit all of the ac ounts are gone This also this not verified by the court
Product: Credit reporting or other personal consumer reports

An accordance With the fair credit reporting act the list of accounts below violated my federal protected, consumer rise to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. I looked at my Equifax report on XXXX XXXX XXXX XXXX and noticed some things were incomplete and inaccurate and according to the fair credit reporting act whenever a consumer reporting agency Prepare a customer report It shall follow reasonable procedures to assure Maximum possible accuracy of the information concerning the individual about whom the report relates to according to 15 US 1681 ( e ) ( b ) And according to 15 USC 1681 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: Money transfer, virtual currency, or money service

I looked into selling a settlement to J.G. Wentworth back in XXXX of 2024. I signed a contract with them after feeling pressured by them on the XXXX of XXXX. It was a very low offer but I was in need of the money. I was told signing the document was not a big deal I can cancel at anytime and that it was only to get approval for a cash advance. I requested a cancellation on the XXXX of XXXX. They did not cancel and continued to proceed. At this point I had a lot of additional offers from other companies. J.G. Wentworth claimed they would match or beat the top offer. However when I brought up these other options I was told these are not reputable companies and they couldnt match these offers but in good faith would reevaluate after the court date was over. I then decided to ask the court to cancel my court date and dismiss JG Wentworth. They still continued to pursue this matter. They harassed me and my family with phone calls, emails, and mailed letters. I asked them to stop and eventually had to block them in hopes to stop the harassment. I even had a very strange phone call of someone claiming to be from the court telling me that I need to attend a court date for JG Wentworth that I presume to have been JG Wentworth impersonating a government employee. When I called back the number it was not the court and I was disconnected. 
I have now decided to go with a different company but they are continuously intervening delaying my process. And I continuously seem to catch them in lies about how much they can offer me and how fast they can get everything done and money in my pocket and how I would no longer receive messages or calls etc. I am asking them to back off and dismiss their petition. I do not want to work with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I am disputing the- referenced debts below. Please verify this debt as required by Fair Debit Collection Practices Act. 
Because I am disputing this debt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies inform them that this debt is disputed and ask them to delete this from my record report reporting information that you know to be in accurate or failing to report information correctly violates the fair credit, reporting act. 
Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692C requires that you honor this request. Your cooperation will be appreciated. 

This what i sent to the credit departments of XXXX, XXXX and Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX 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 account without my written instruction.
Product: Credit card

On Monday XX/XX/2023 was notified by email from XXXX that JPMCB card services got a copy of my report and its and hard inquiry that I XXXX XXXX didnt approve. This is Fraud. I have report this to XXXX and Im on the phone with the card service to dispute this.
Product: Mortgage

Loan request was with Flagstar Bank, N? O/O purchase, {$310000.00}, 25 % down payment. 
Loan was approved and conditioned which we satisfied and upon receipt, additional conditions were required and met yet loan was not cleared to close. Evidence was provided to lender that all conditions had been satisfied. 
We applied with another lender and closed XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Equifax is not reflecting any of my credit card history - indicating that I have no credit at all. Both XXXX and XXXX reflect accurate credit history over 3+ years. Contacted Equifax directly XX/XX/year> and was told to contact XXXX XXXX suspecting issue was on their end. Contacted XXXX XXXX where representative confirmed Equifax was not sending credit history - was told by XXXX XXXX it is clearly default on Equifax, not XXXX XXXX. XXXX XXXX representative confirmed XXXX and XXXX were sending credit scores, but nothing from Equifax. 

This investigation started when I was denied rental - the Adverse Action report stating reason for rejection was no credit history, records being pulled from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion and XXXX  on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. I am seeking removal of all incorrect or outdated personal information being reported on my credit file. The account that TransUnion continues to report is XXXX XXXX  and XXXX is reporting XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. Again, I must say these account does NOT belong to me. Ive sent in my FTC Identity Theft report along with my dispute letter for review but this account is still reflecting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to obtain my free annual credit report from TransUnion credit reporting agency. Made 5 days worth of attempts online via XXXX. Had absolutely no issue obtaining my credit reports from XXXX or XXXX online. I called the phone number associated with XXXX to request my credit report be mailed to me. I recieved the report in a timely manner only to read my TransUnion report had been " SUPPRESSED ''. I called TransUnion and spoke to 4 individuals that were unable to get my report sent to me. The last individual said he was the highest ranking official at his location. And that it was TransUnion that " Suppressed '' my credit report. I asked him to release it and he said I had to mail in a copy of my Social Security card. I am NOT comfortable with that! He gave me the phone number of their home office. After leaving 3-4 recorded messages ... .... still no return call. Gives me pause to wonder why a powerful credit reporting agency can operate what appears to be a scam/ sham operation. I never requested a credit freeze or any other similar service. I just simply want a copy of my TransUnion credit report as I am entitled yearly.
Product: Credit reporting or other personal consumer reports

Clarity Services, a division of Experian, has inaccurate information that caused me to be denied credit. There are no published methods to dispute this information.
Product: Debt collection

Blue Frog contracted with 3rd party XXXX XXXX to collect debt. 3rd party disclosed details of threatening a lawsuit to collect debt to a relative, never speaking with me. 
3rd party refuses to provide terms of repayment agreement to me as well as will not send receipt of payments made after repeated request. Threats of lawsuit have continued to be made even with agreed payments made. 

Have recorded documentation regarding information disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I really need help my personal information was compromised as a result of that my Identity was used to apply for some kind of credit. I have multiple Inquiries on my credit report that are fraudulent. This not not my doing at all as a matter of fact the dates are like back to back applying for credit. Thank you for helping me resolve this matter. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021 - XXXX XXXX XXXX. XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX. XXXX, 2021 - XXXX XXXX 

XXXX XXXX, 2021 - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX TransUnion XXXX. XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX & XX/XX/XXXX ) 2. ( XXXX & XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Mortgage

I reached out to SoFi Lending on XX/XX/19 for a mortgage loan on a foreclosure property I am buying in XXXX NJ. The pre-approved me, they requested all my personal and financial documents. I uploaded every document they asked for on their wed side including the executed contract for the property. I asked me to pay for an appraisal {$490.00}, but my checking account was charged {$520.00}. A few weeks ago I was issued a commitment letter for this property. I did a home inspection for {$450.00} and also obtained a XXXX for {$650.00}. My attorney fees are {$1400.00} and sellers attorney have a certified check from me for {$1000.00}. My closing date was for XX/XX/19 at XXXX XXXX. On XX/XX/19 one of SoFi manager called and told me they wouldn't be able to funded my loan because they just found out the property taxes are to high for income ratio.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are not investigating the negative accounts reporting on my credit report. ( Attached are copies of my identification documents for reference. ) I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute. Department of Education - XXXX and XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; Medical Collection - XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.