23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have had nothing but trouble with equifax. I have disputed so many times and had items removed and put back. I can not get my credit score without paying but XXXX XXXX keeps denying a limit increase saying equifax says my score is XXXX which is quite a bit off my other scores and seems wrong. I now years ago I got information about equifax getting in trouble for practices and I was supposed to get something out of that and never did. I want the issues fixed and a proper score and explanation why.
Product: Student loan

My loans were XXXX under the XXXX XXXX XXXX XXXX XXXX on XX/XX/2024. My account says a refund was issued for {$690.00} on XX/XX/2024. I have not received this refund.
Product: Debt collection

This debt collection company was asked to verify the debt and didnt and now they are suing me. Their process servers have broken the law three time by entering a secured building without permission! This is illegal and abuse.
Product: Debt collection

XXXX. Midland Credit Management {$800.00} this account is not mine this account was opened fraudulently by someone else. I am a victim of identity theft. 

XXXX. XXXX XXXX  XXXX {$1100.00} this account is not mine this account was opened fraudulently by someone else. I am a victim of identity theft. 

XXXX XXXX XXXX {$4200.00} this account is not mine this account was opened fraudulently by someone else. I am a victim of identity theft. 

XXXX. XXXX XXXX XXXX {$8300.00} this account is not mine this account was opened fraudulently by someone else. I am a victim of identity theft.
Product: Mortgage

The appraisals made to my property under Loss Mitigation in Banco Popular of Puerto Rico as a requirement of the Short Sale program inflate the value of the property and do not follow the requirements established by FHA. Therefore affecting and stopping several sales offers since XXXX. The last appraisal made to my property on XX/XX/XXXX has the following irregularities : 1 ) The same appraiser has been used for the last 3 years. Based on the FHA criteria, a different appraiser must be used. 
2 ) The comparables used in this appraisal inflate the price of my property, affecting us to be able to sale the property. Two of the three comparable used in the appraisal were sold under the Rent-to-Own program of an REO property and the third comparable was sold with private financing. These sales may be flawed. In addition, these salse lack much information in the transaction, as well as conditions of ownership and the nature of the business. 
3 ) There is a comparable that favores the value of my property but it was not used on this appraisal. No explanation was given as why it was not used. The real estate broker, XXXX XXXX, asked the bank and the appraiser for reconsideration. He refused to review said value. 
4 ) FHA requires the bank to dispose of the appraisal no more than 30 days. The bank has taken more than 30 days to have available for the results of the appraisal. All documentation required by the bank was submitted by XX/XX/XXXX. The appraisal was completed on XX/XX/XXXX and the bank provided a copy of the appraisal on XX/XX/XXXX. 

I have been trying for more than 5 years to be qualified under the Short Sale program. Due to the appraisals made in the previous years, initiated by the Banco Popular de Puerto Rico, the sales have fallen or it has been impossible to obtain a willing buyer to pay what the appraisal indicates. This has affected my credit greatly and I would like to be able to restore my finances.
Product: Checking or savings account

Got letter from discove bank about opening account I did not XXXX. XX/XX/2021 2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXXXXXX XXXX, XXXX AM I received a email from a copy named XXXX. I attached a screenshot of the email. The company states that I applied for a loan with there company. I DID NOT APPLY FOR A LOAN WITH XXXX XXXX  XXXX!!!!!! Notice what the letter says. -- - " Loans originated through the XXXX XXXX are underwritten and made by XXXX, XXXX XXXX XXXX, UT, member FDIC. XXXX is providing this notification to you on behalf of XXXX. '' " Please contact XXXX at the address shown below if you have any questions about this letter : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I DID NOT GIVE XXXX XXXX PERMISSION TO PULL OR LOOK AT MY CREDIT REPORT. I DID NOT APPLY FOR A LOAN WITH PXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this report because I discovered that there are many discrepancies on my credit report, I have noticed some unauthorized inquires on my credit report.It is totally unfair to place inquires that i do not know anything about on my report, this is a total violation of fair credit reporting and directly violated my consumer right.please kindly investigate and remove all inquiries involved. 

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 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 reporting, credit repair services, or other personal consumer reports

In XXXX we had to have two cars repossessed voluntarily due to job loss regarding a federal court case of foreclosure. My husband 's wages were garnished for the loan balance, which is being misreported on all bureaus. In XX/XX/XXXX, he was released from any obligations because the balance was brought to zero. We have been back and forth with Ally Financial and the credit bureaus to be taken off the report or updated as paid in full. I have been sent the letter from ALLY Financial and the attorney 's office that filed the wage garnishment. Ally says to work with the credit bureaus as they know it should not be reported. The FCRA has changed its laws regarding reporting debt on credit reports of three years. We are being hindered from moving forward in life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did consent to authorize nor benefit from these account ( s ). Block and Remove
Product: Mortgage

Primary Residential Mortgage, Inc. ( XXXX XXXX, Division President, XXXX XXXX ) lost my buyer a house and earnest money. From XXXX XXXX to XXXX XXXX the lender was not able to get underwriting approval until the seller finally accepted another offer. For months, it went back and forth to underwriting with " XXXX more piece of information needed ''. We executed XXXX and my buyer still lost the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my background check it shows that I lived in Missiouri. I believe that much of my debt was occurred by whomever said I lived in Missouri.
Product: Credit reporting, credit repair services, or other personal consumer reports

My old pay off Student loans All pay off XXXX XXXX loans And XXXX Equifax XXXX Three reporting companies Will not remove from my report all Account that are old and pay off And written off account are all pay
Product: Credit reporting or other personal consumer reports

There are two charge offs ( XXXX XXXX XXXX XXXX ) on my report that should not be on my credit report. I have disputed this information numerous times. XXXX and XXXX have complied and follow all codes and policies regarding this matter but for some reason Equifax has not. I have not received any proof of ownership, debt validation, method of verification, or a general response to assure me that a proper investigation into this matter was done. I have attached documentation showing the other major bureaus compliance in this report.
Product: Debt collection

Basically in a nutshell I paid a bill that I owed the original collection agency XXXX XXXX the bill was in the amount of {$110.00} XX/XX/XXXX. Then I got a letter a month later from XXXX XXXX I explain to the personnel that I paid that bill. I never heard anything else from the company. XX/XX/XXXX the same bill resurfaces for {$110.00} from a company called XXXX XXXX they placed the erroneous collection on my file five times for a total of {$570.00} on my credit it looks like I owe five different late payments, I lost XXXX points because of this and the bill has been paid in full. This is the result of selling debt over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. TRANSUNION AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX XXXX My addresses 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

During my flight of many from XXXX to XXXX Hawaii, The crew of XXXX XXXX advertised applying for XXXX airline Credit card and get XXXX air miles as soon as you use the card for even {$1.00}, I applied for the card and got it around XX/XX/2019, and after 3 statements the Barclays Bank told me that this information is not correct and I will not get my miles unless I spend over {$5000.00}, I immediately closed the account, paid off the balance. 
4 month later I found that they charged me interest of about {$10.00} right after I paid off the balance and add late fees of {$150.00}, and reported to XXXX  the credit reporting agency a delinquent account for 120 days, which had a big negative effect on my credit score, my credit score used to be XXXX, it is now XXXX. 
I called tried to reason with the bank, and they declined to remove the bad credit reporting, and waved some of the late fees, the account should have a ) interest to start with, and to charge me interest after I paid it off and closed the account, and fil to inform me of delinquent amount for 120 days is definitely a blackmail method of the bank and XXXX airline
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 : 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 Balance : {$0.00} 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: Debt collection

This company is responding fraudulent, inaccurate information on my credit report. I have requested they send me the purchase agreement to show full ownership of the account and other documents so that I could verify that this account even belongs to me and they are trying to collect from the appropriate person.
Product: Prepaid card

I have purchased a total of XXXX x {$500.00} visa gift cards from Incomm which do not work anywhere. I have contacted Incomm about this issue and they stated they pushed out a software update over the holidays, which may have affected my cards. They did not offer any type of resolution for how I can actually use the cards, other than to " keep trying at other merchants ''. This is absolutely unacceptable to me, as I can not use these anywhere at local stores or online, places I have been able to use these cards for years. These cards at the time of purchase were advertised as able to use anywhere, however, I am unable to use them anywhere. This is most certainly a breach of contract by Incomm, providing faulty merchandise, and altering the terms of use of my cards after my purchase. I am requesting a full refund for these cards along with the purchase fees for every card.
Product: Mortgage

American Advisors Group XX/XX/19 charged us {$1000.00} for Property Taxes on our closing documents. We did not have an Escrow account. They did not pay it to XXXX XXXX XXXX either. They also let our loan rate lock lapse past our 1st closing date and charged us {$500.00} to keep our rate and move our closing back another week. All representatives that we dealt with from American Advisors Group were aware of these problems. We still have not received any official closing documents with all the signatures on them. American Advisors Group promised to refund us the {$500.00} for the delays caused by them. They never fulfilled this promise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The below address do not belong to me, please remove the below addresses. 

CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX FROM : XXXX the below accounts do not belong to me, I have tried to contact them and i get no where, these accounts need to be removed from my credit report. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Credit Limit {$17000.00} balance {$1500.00} Account # XXXX XXXX XXXXXXXX TX XXXX ( XXXX ) XXXX UNPAID BALANCE CHARGED OFF CLOSED DATE : XX/XX/XXXX B XXXX Opened XX/XX/XXXX credit limit {$750.00} balance {$750.00} Account # XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX BANK XXXX Opened XX/XX/XXXX Credit {$300.00} balance {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Credit card

Synchrony Bank rewards their Banana Republic Visa credit card holders who have " Luxe '' status with a XXXX % points bonus each calendar quarter, once the quarter is over, and I do have Luxe status. For example, if I earn XXXX points from XX/XX/XXXX-XX/XX/XXXX, then I would receive a XXXX point bonus as well. 

I have called and tried online emailing multiple times with my inquiry, but Synchrony bank has never responded with any sort of explanation other than " nothing is wrong, '' even though I have explained my issue in detail to multiple phone representatives and they have acknowledged it. 

Here is my issue ... XX/XX/XXXX from XX/XX/XXXX to XX/XX/XXXX, the XXXX % bonus they gave me ( and which appeared on my XXXX XXXX statement ) was not nearly equal to XXXX % of the points that I had earned from purchases XXXX XXXX to XXXX XXXX. Here is what I earned : -- On my XXXX XXXX, XXXX statement, I earned XXXX points from purchases in XXXX. 
-- On my XXXX XXXX, XXXX statement, I earned XXXX more points from purchases -- On my XXXX XXXX, XXXX statement, I earned XXXX more points from purchases. 
-- I also made a lot of purchases from XXXX XXXX to XXXX XXXX, XXXX ( which appeared on my XXXX XXXX statement but still count towards the quarterly bonus since they were " earned '' XX/XX/XXXX ) that earned me XXXX more points Therefore, XX/XX/XXXX, I earned XXXX + XXXX + XXXX + XXXX points, which adds up to XXXX points. Since I earned XXXX points in that quarter, then I should have received 20 % of that, which is XXXX, in bonus points. However, on my XXXX XXXX statement, I received a " Quarterly XXXX 20 % Bonus Points '' of only XXXX. So taking the difference between XXXX and XXXX, Synchrony Bank still owes me XXXX rewards points. I have explained this to them, and after investigating either I have gotten no response, or a superficial " everything is correct '' response. Clearly, though, I have not received a bonus of XXXX % of my earned rewards XX/XX/XXXX, and I would like to have them applied to my account, without having to wait any further.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting

My Wife and I, Are Disputing An Item On Our Credit Report ... It 's A Judgement That Was Apparently Granted But Neither Of Us Knew About It And Was Never Served.
Product: Mortgage

I am an XXXX XXXX service member in the United States XXXX XXXX. Recently, I was approved for retirement with a retirement date of XXXX XX/XX/XXXX and have planned on moving from my last duty assignment in XXXX  to a new location for post-retirement employment with the Federal Aviation Administration in the XXXX XXXX area XXXX I am approved to move and seek employment anytime after XXXX XX/XX/XXXX, which is my terminal leave date. As part of this retirement process, my spouse and I entered into a contract to purchase a home in XXXX XXXX on XXXX XX/XX/XXXX. To support the purchase of a new home, my spouse and I applied for a mortgage with Aimloan. I disclosed to Aimloan that I was retiring from military service and provided them three ( 3 ) different documents to substantiate my current income and future income. 
1 ) Two pay stubs from my current XXXX XXXX military service that substantiate my pay until my retirement date of XXXX XX/XX/XXXX. 
2 ) A statement from the United States XXXX XXXX indicating my discharge date of XXXX XX/XX/XXXX, the honorable character of my service, and my retirement pay/pension amount, which commences on XXXX XX/XX/XXXX. 
3 ) A Firm Offer Letter of Employment from the Federal Aviation Administration, which identifies the start date on XXXX XX/XX/XXXX and future salary for my post retirement job. 
Aimloan refuses to use any of these income sources as creditable income for securing the loan. I provided substantiating documentation for all three sources of income. Aimloan ( the lender ) has stated in reply that because I am retiring my current military pay can not be considered as a source of income for the loan application even though retirement occurs three months after the planned closing date ( XXXX XX/XX/XXXX ) on the home purchase. They further state that because I am not currently retired and have not received any pension payments that my retirement pay can not be considered as a source of income for the loan application. Lastly, because I have not started in my new job and do not have pay stubs that the Firm Offer Letter can not be considered as a source of income for the loan application. Aimloan is discriminating against me as a military service member transitioning to civilian life and refusing to recognize my current income and my future pension payments, which is preventing me from securing a mortgage and putting my future employment opportunity in jeopardy.
Product: Credit reporting or other personal consumer reports

Recently I have reviewed a copy of my Transunion credit report and noticed I had a fraudulent account and inquiry on my report.
Product: Credit card

They keep issuing me new accounts without closing previous accounts that were the problematic one and resulting in still having charges to both accounts!!! FRAUD!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX XXXX mortgage 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

I have both banks Chase and XXXX  XXXX XXXX  for money to transfer to account with Chase etc I always transfer my money to XXXX  XXXX I had a lot of errors with this bank. We only have one XXXX XXXX XXXX  near by its hard to travel to it for as transportation wise etc