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

n accordance with the Fair Credit Reporting act XXXX  Account # 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 has violated my rights. 

1 5 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 I HAVE NOT GIVING XXXX, EXPERIAN, XXXX ANY WRITTIAN INSTRUCTION TO FURNISH
Product: Mortgage

Westin home in the XXXX XXXX Texas We recently was looking on website in the marketing to buy a home So l contacted the Westin office in the XXXX  and sales Rep XXXX XXXX came and opened the door to the home we wanted to toured So after touring we contacted XXXX XXXX and he stated that other buyers was interested in the home did we he used the word wanted to go in a bidding war we stated no So after waiting a week l called him again and asked did the other potential buyer come through with his down payment he stated no l then at that point said we was interested still in the home appeared XXXX XXXX XXXX didnt take me seriously So he was at the corporate Westin home office in XXXX Texas and we have been trying to contact them and no response l onces again call XXXX XXXX XXXX thats we was still interested and l stated to him did he have a realtor is said you do after speaking to him l contacted a realtor and then l advised through text to XXXX XXXX XXXX thats we have a realtor and l have given the realtor his number but she said he never responded so l personally text XXXX XXXX XXXX that my realtor was trying to reach to him he never responded so our realtor reached out to a person she knew thats work over in the XXXX Texas office so XXXX XXXX XXXX prepared our contact we signed and thought its was going for review but XXXX XXXX stop the sales before he said we was his potential buyer but XXXX XXXX never put the potential Buyers name in the system because we think because of our XXXX XXXX  XXXX XXXX XXXX didnt believe we were able to afford this home he didnt not and now these two sales rep thats work for Westin are bickering over the sales commission and not interested in Westin XXXX to the buyer so why the two sales rep are bickering over the commission we saw thats this passed weekend its was a open house on the home again and XXXX XXXX XXXX have yet submitted our contract because of the sales commission We would like for Westin to know whats type of sales rep they have working in their office
Product: Credit card

Last XXXX, I used my ( rarely used ) Macy 's CC to make a purchase for {$270.00}. I never received a XXXX statement ( did not realize they no longer mail them out ), which led to account being overdue in XXXX. In a phone call we ( my boyfriend and I ) had with a Macy 's credit services supervisor on XXXX XXXX, XXXX, after discussing the circumstance of my case, we agreed I would pay {$280.00} ( the {$270.00} plus {$5.00} in interest ) and Macy 's would reverse the {$25.00} late fee they had charged my account. I further requested my account be closed. 
In fact, Macys did not close my account and only reversed {$12.00} of the late fee, leaving a balance of {$13.00}, then proceeded to charge my account monthly with more fees and interest which unknown to me grew to {$66.00} by XXXX/XXXX/XXXX when they called me seeking payment. After we spent an hour on the phone on XXXX with another supervisor at Macy 's Credit Scvs, explaining the situation, they agreed to reverse all of the {$66.00} in fees and interest. I again requested they close my account. 
In fact, on XXXX Macy 's only reversed {$30.00} of the {$66.00} balance, again did not close my account, then proceeded again to charge my account monthly with more fees and interest which grew to {$140.00} by early XXXX, XXXX when they again called me seeking payment. 
We spent more than another hour on the phone on XXXX XXXX, XXXX with yet another supervisor at Macys Credit Svcs. At the end of this conversation we agreed that I would pay Macys {$15.00} ( the original {$13.00} of late fee from XXXX plus {$2.00} in interest ) and Macys would reverse the remaining fees and interest and finally close my account. 
In fact, on XXXX Macy 's credited my account with just a {$15.00} payment, reversed nothing, leaving a remaining balance of {$120.00}. While they now show my account closed, they have since contacted me several times seeking payment of the remaining balance. 
I wish to formally file a complaint about their pattern of unethical behavior, of promising XXXX thing and doing a another on repeated occasions over the past 7 months. I want them to reverse all remaining fees and interest and stop their harassing phone calls. I am seeking your assistance n reaching a final resolution to this never ending cycle of them charging fees and interest on other fees and interest long after my bill was actually paid off in the amount they agreed to.
Product: Debt collection

I dispute the inclusion of a fraudulent account on my credit report, confirmed as such by XXXX XXXX. Despite their assurance of removal, the account persists on your records. Both XXXX and XXXX have deleted this account, revealing a discrepancy. Please delete XXXX XXXX XXXX from my file as it is inaccurate and erroneous.
Product: Credit reporting or other personal consumer reports

PLEASE PROVIDE A COPY OF XXXX UNDER THE FCRA I CAN SEEK STATUTORY DAMAGES IF A CREDITOR FURNISHES INACCURATE INFORMATION ABOUT A DEBT SUCH AS REPORTING A CHARGE OFF WHILE STILL CLAIMING I OWE A DEBT ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.
Product: Credit reporting or other personal consumer reports

I received a credit rejection letter from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, DE XXXX ) claiming that I applied for credit on XX/XX/2024. I did not apply for credit, and called on XX/XX/2024. I was routed to a CSR who said he could not locate any record on their end and that I would have to fax a copy of my credit report showing the hard inquiry before they could help me. I got a copy of my credit report, but did not have handy access to a fax machine. 
XX/XX/2024 I received an alert from Experian that there was another hard inquiry on my account. And again, it is XXXXXXXX XXXX XXXX who reviewed my credit. And again, I did not apply for credit. 

I request your assistance resolving these improper hard inquiries.
Product: Student loan

Greetings, I am writing today regading my Mohela account # XXXX. I submitted this account back in XXXX for XXXX XXXX forgiveness, I received a response in XX/XX/year> that I did not qualify for XXXX XXXX  forgivness because I had not made qualifying payments. 

This loan was consolidated last year, however, prior to this I made payments on student loans yet no one appears to know where any of my payments were applied. 

I have enven attempted to have the payments lowered to manageable payment ( XXXX ) is what I was payment monthly prior to the pandemic ; again Mohela sent my payment to XXXX. I have explained to them on several of occassions this is what I pay monthly, please see below : XXXX. Monthly XXXX- {$1800.00} XXXX. XXXX XXXX {$650.00} XXXX. XXXX- {$260.00} XXXX. Monthly living expenses outside of XXXX XXXX XXXX XXXX : {$3700.00} XXXX. Care for XXXX parents, XXXX in the home and XXXX in a XXXX home due to XXXX. 
XXXX. XXXX loans- {$1100.00} I have asked for a reconciliation of my loans on several of occassions, Mohela simply continues to redirect me to a payment board. I have made payments of {$130.00} on this accounts since remplementation of my loans, however, I need help. I have written the XXXX XXXX XXXX, my local congressman XXXX XXXX, I do not know where else to turn. My loans go as far back as XXXX XXXX XXXX 

Your assistance in this matter is greatly appreciated. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the XXXX XXXX XXXX account on my report, as the information being reported is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX keeps reporting to the 3 credit bureaus that I have open accounts with them that all have balances on them. This is incorrect. All of my accounts with XXXX were transferred/consolidated/paid off by XXXX in XXXX. I disputed these accounts with the Experian on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All of the disputes came back with results saying that XXXX reviewed the account and they are all correct. My debt to income ratio is suffering drastically because my credit shows XXXX XXXX loans that shouldn't be there. When I spoke with XXXX after each dispute the representatives tell me they can not legally remove them from my credit report and it can take years for it to show that it's been closed. This is incorrect because my XXXX accounts were also transferred to XXXX and they are already showing closed with a {$0.00} balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Sham Investigations of Credit Report Errors by Experian Dear CFPB Team, I am writing to formally submit a complaint against Experian, the nationwide consumer reporting agency, regarding their unlawful practices in handling consumer disputes, as recently highlighted in your lawsuit against them. My experience aligns closely with the allegations that Experian conducts sham investigations and fails to properly review disputes, resulting in inaccurate information on credit reports.

Despite my efforts to dispute errors on my credit report, Experian has not adequately addressed my concerns. Specifically, I have provided evidence of my current rental payments, which should reflect positively on my credit history. However, Experian has incorrectly reported my rental account as " Closed '' when it should be marked as " Open. '' This not only misrepresents my current financial standing but also threatens my access to essential services such as credit, housing, and employment.

To support my claim, I will be uploading a screenshot from my rental portal, which clearly shows that my rent is current. The relevant details are as follows : - Rent Status : Current - Account Period : XX/XX/XXXX - Amount Paid : {$1900.00} Additionally, the Experian report shows that my account is marked as " Closed '' with a status of " Paid, Closed/Never late '' since XX/XX/XXXX. This is misleading, as I have consistently made my payments on time and my account should remain open.

The discrepancies in their reporting have caused significant distress and confusion, affecting my ability to secure housing and maintain a good credit score. I urge the CFPB to investigate Experian 's practices and ensure they comply with federal laws that protect consumers.

Thank you for your attention to this matter. I hope for a swift resolution and am willing to provide any further information needed for your investigation.

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

THE XXXX  XXXX - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Credit card or prepaid card

I have a charge card with JC Penny. I was a few days late on my payment I admit this was completely my fault. According to JC Penny customer service the system auto determined my credit worthiness was low and took my {$800.00} limit and reduced it to {$110.00} resulting in a hit to my credit score. 
I feel completely blind sided by their actions and unwillingness to help I have struggled to gain every point I have on my score and it is incredibly hard to maintain good credit. I am rarely late on anything and pride myself on paying my obligations on time and this action from JC Penny seems harsh for a one time mistake. 
This is becoming very common and companies do not care about individuals credit score and take these type of actions unfairly at the cost of the consumer. 
If I were 30+ days past due more than once I can see an action like this but feel their actions were unfair and possibly a UDAAP complaint as well.
Product: Student loan

After graduating from XXXX XXXX 2013, I was accepted at XXXX XXXX University with XXXX GPA. One year and a half later, due to family medical issues, my parents had to remove me from XXXX XXXX University. I tried to into a community college, but due to our debts at XXXX XXXX, they would not release my transcripts. My Dad saw an ad from the XXXX XXXX XXXX, stating if a student enlists in this service, their loans will be paid, and they will receive a bonus after completing XXXX and XXXX XXXX. This turn out to be an outright lie. Now over two years in the XXXX XXXX XXXX, proper training for XXXX, have not been granted to me. The recruiter officer, advised me and my parents, I will get $XXXX per month for XXXX XXXX, my bonus of $XXXX  after XXXX, and payment for my student loans, which never happen. So far it took one year for the XXXX XXXX XXXX to pay $XXXX, with most taken out in taxes. Six months ago, I sign up for XXXX XXXX XXXX in the XXXX and still waiting for my release papers. According to Nelnet, I have a student loan balance over $16,000.00.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance {$26000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$68.00} XXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX XXXX Balance {$910.00} XXXX XXXX Balance {$8300.00} XXXX XXXX  XXXX Inquiry Date XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX  XXXX  XXXX Balance {$1300.00} XXXX, XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX  XXXX Balance {$390.00} XXXX XXXX XXXX Balance {$6200.00} XXXX XXXX XXXX Balance {$620.00} XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX, XXXX XXXX Balance : {$210.00} XXXX XXXX  XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX - XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX
Product: Mortgage

I have an existing mortgage with New Rez. I applied for a refi to get a lower interest rate XX/XX/2021. At that time I had also applied for the same refi with my credit union who offered me a lower interest rate. New Rez said they would give me the same interest rate if I stayed with them. I agreed to continue the refi with New Rez because my current mortgage is with them and I thought the process would be less problematic. To this date XX/XX/2021 New Rez has not finalized the refi and continue to find reasons not to close by asking me for documentation I've already given them : XX/XX/XXXX New Rez requested my pension statement : I gave them the pension statement and income in the beginning of the refi and when I purchased the property. New Rez ask for information on other properties I own and I have sent them everything and they're asking for it again. It's become redundant and irritating.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Transunion mailed me a letter stating that they received my documents but the documents were unacceptable due to the reasons uploaded in the attachments. I have provided two current forms of qualifying documents attached.
Product: Debt collection

On XX/XX/2019 I had received a Form 1099-C claiming that I had a cancelation of debt at {$8800.00}. and that the identified date is from XXXX, from CIT Morgage Servicing, NOT the company that I have my mortgage with. On attempting to contact them via phone a few days later on the XXXX, no one had picked up, I kept calling until I had finally conversed with, Ms.XXXX ( agent id # XXXX ) on XX/XX/XXXX, where they told me that they could not find any information about me in their system, ranging from SSN to my name. She had given me an email address to contact them. I had emailed them ( at XXXX ) telling them to issue a CORRECTED 1099-C form to me and the IRS where the amount was XXXX. They had given me a ticket number ( XXXX ) in response to this on XX/XX/XXXX, claiming that they had assigned the case to someone. Never having received a response, I emailed them again XX/XX/XXXX with nothing but a confirmation that they had received it. There has been no other contact attempted by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered furniture from XXXX about 3-4 years ago ( to include warranty ). The furniture kept falling apart ( despite multiple replacements ) so I asked for a refund. The company took three months to pick up the broken furniture and had not refunded me the amount paid. The company then put my balance as owed on my credit report - even though the amount owed to me surpassed the amount I owed them. I worked for three years to get this resolved and was finally issued a check this XX/XX/2021 for over {$800.00} ( amount owed on credit report was {$660.00} ). Even though I have finally received my money, the collection is still on my credit report. I have disputed with the credit bureaus but XXXX still certifies the collection. I have called XXXX, XXXX XXXX  ( card company ), and Portfolio recovery services ( collection company ) to dispute and no one seems to know who can remove this mark from my credit. I have also sent certified letters and all of my documentation ( attached ). I have now enlisted the services of an attorney as I am trying to acquire approval to purchase a home but this mark on my credit is helping to prohibit that.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer credit report, I discovered that I am a victim of identity theft. My identity has been fraudulently used to try to obtain credit. I have attached a list of these accounts and the inquiry dates for your reference. These unauthorized inquiries are negatively impacting my credit score and hindering my ability to purchase a home for my family. I request that these inquiries be deleted from my credit report as they do not belong to me and are the result of identity theft. Your prompt attention to this matter is greatly appreciated as I am in the process of buying a home for my family. Thank you for your assistance. 

CONSUMERS COOP CU via CONSUMERS COOP CU inquiry date 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

I have contacted  XXXX   XXXX  several times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  XXXX   XXXX  has refused to remove these inaccurate reporting on my credit file with Equifax,  XXXX , and  XXXX . This account was paid in full on  XXXX   XXXX ,    2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.
Product: Debt collection

On XX/XX/2023, Nexum Group Inc. attempted to collect a debt in the amount of {$13000.00} on behalf of their client. Nexum Group Inc. threatened to recommend legal action if unable to come to a resolution. Subsequently, Nexum Group Inc. reported the alleged debt to the credit bureau ( XXXX ) causing me financial harm. On XX/XX/2023, I sent a letter in writing and via email to Nexum Group Inc. stating that I am not responsible for this debt and request that if reported, the debt be reported as in dispute. The alleged debt is the result of a dispute between my landlord and I regarding a rental property for which I validly gave notice to vacate. The landlord is invalidly attempting to charge rent after I vacated and sent a claim to an out-of-state collection agency. The collector, Nexum Group Inc, is not licensed in Washington State, where I reside, as a debt collection agency. In addition, the collection agency failed to report the debt as disputed. Nexum Group Inc. failed to abide by Federal Statute requiring that, if notified in writing that the debt is disputed, the collector shall cease collection of the debt until the debt collector verifies the debt and mails a copy of the verification or judgement to me, the consumer. Nexum Group Inc. failed to follow Federal Statue and did not mail a copy of the verification or judgement to me as requested by me in writing.