23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband  went to Prime lending in XXXX  Pa. A loan specialist name XXXX XXXX approved my husband for a mortgage of XXXX. He didn't go over anything about the mortgage process except that he was approved. While looking at homes XXXX  text our realtor that he could approve my husband for XXXX. Our realtor and I thought it was strange because nobody asked him to up the budget. We just figured he went over my husband's income and credit again. So then we found a home, and put an offer on it. When the listing agent found out who our lender was she refused to work with him. Due to him lying in the past, forging paperwork,  and not being able to close on homes before.  We tried to convince her to work with him. We ended up finding out we indeed not qualify for XXXX. That he tried forging our paperwork too, and was lying about everything.  He never explained anything to us, never went through any of the paperwork with us, and was pretty much just making it up as he goes. We aren't the only people he's done this too. We have learned from other people that this is how he does business.  People are losing homes, and money because of him. He needs to be stopped.
Product: Credit reporting or other personal consumer reports

It has come to my attention that you are not removing records as required, even after I provided a copy of the FTC report. In accordance with regulation 605b of the FCRA, I am submitting this complaint to help establish a legal response. If you do not remove the following items listed below, which are inaccurately reported due to fraud, I will hand my documents over to my attorney to initiate legal action. It is my intention to avoid pursuing any legal action, so please comply with the law. 
XXXX XXXXXXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting

I disputed items on my Equifax credit report both with Equifax and the creditors. As a result, my score dropped XXXX points on XX/XX/XXXX. The creditors wore XXXX and XXXX. In XX/XX/2017 this happened also. In this case, my score dropped XXXX points. The creditors that time were XXXX, XXXX XXXX and XXXX. In XX/XX/2017, there was a XXXX point drop for the same reason of disputing items in my report. That time, the creditors were XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. Altogether that is a XXXX point drop of my credit score for doing what I believed was my right under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021,XX/XX/2021,XX/XX/2021 sent numerous of factual disputes on Santander consumer USA including screen shots of inaccurate information being reported on my credit report including different high credit section and the comment section .XXXX and XXXX  keep reporting my information as updated with the same errors.Santander also updated my account saying I paid {$2.00} which was not true.
Product: Debt collection

I had a capitalone card years ago and it was closed and paid off. They have now somehoow to collect on the same debt by garnishing my pay.
Product: Credit card

On XXXX XXXX XXXX  I have purchased a plane ticket with a Chase Ink credit card. The total amount was {$1000.00}. 
On XXXX XXXX that ticket was changed to one with a lower price and the amount of {$340.00} was supposed to be refunded or issued as a credit by the airline XXXX XXXX XXXX XXXX or the travel agency ( XXXX ). That refund was never issued and I only discovered that at the end of XXXX XXXX. Since then I have been in contact with both the airline and the travel agency and they keep bouncing me between them. 
On XX/XX/, with my patience running out I contacted Chase Bank, the issuer of the credit card, to dispute the transaction as an overcharge of {$340.00}, but I was told that I had only some 120 days to make this dispute. 
This information is not displayed anywhere in their card benefits section though XXXX XXXX XXXX XXXX XXXX  The only thing mentioned about Zero Liability Protection is " You wont be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card ''. There is no mentioning of the 120 days limit. 

The only mentioning of a 120 days limit is under Purchase Protection, a benefit which covers " personal property that has been damaged, stolen, or involuntary and accidental parting with property '', which is not applicable to an overcharge dispute.
Product: Credit reporting or other personal consumer reports

Experian has allowed creditors to take advantage of their lack of investigation of accuracy, it has left me homeless and financially drained. They same creditors were able to add the same account on my credit report for many years, ignoring the documents I supplied. I have numerous disputes with them that left me questioning their " investigation '' tactics. How can you investigate in XXXX day. I always ask them what type of investigation are they doing to keep denying me relief from these predatory companies. They told me they send them documents and ask them to look at them and tell them if it's accurate. I knew something wasn't right because I could never get ahead. And asking them to delete obvious collections that shouldn't be there, they said they couldn't and only the creditors could remove it
Product: Credit reporting or other personal consumer reports

This morning, I noticed unauthorized inquiries on my credit report, which took me completely by surprise. I check my report regularly, and this time, there were entries that shouldn't be there. I tried refreshing my browser, hoping it was just a display error, but the inquiries remained. I need this issue addressed immediately and for my documents to be examined carefully to ensure this doesnt happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My credit score dropped significantly in the last month. There was a fraud alert on my XXXX XXXX account and my score went from XXXX to XXXX. Due to the Covid 19 Pandemic Act, I worked out a plan to make payments. I was planning on refinancing a paid off property and paying off my cards when I tried to apply for the loan and I checked my credit score and it dropped significantly. On the report it states I have paid in a timely manner so this score has prevented me from obtaining the refinance equity loan to pay off my cards and renovate the property for income.
Product: Mortgage

Dear CFPB, I entered into a VA Home loan on XX/XX/XXXX with Guaranteed Rates. I knew that with the VA Loan there wasn't suppose to be any PMI.I had a couple of house that fell through due to cash deals or issue unresolved with the home inspection. The House I bought was done so sight unseen as I was in a crunch to move down from XXXX to XXXX. 

During the closing at XXXX  XXXX in XXXX XXXX the paper showed a PMI and Escrow. I mentioned that to the Title company and they gave me a song and dance so I called XXXX XXXX at Guaranteed Rates and he to gave me a song and dance about it had to be on there because of the value of the house. 

I signed the paperwork and then continued to question them on why it was on there when every I spoke to at Banks said it should be on there because its VA Home Loan and the PMI isn't suppose to be on there. 

Well the end of XXXX I received a letter from them saying that XXXX XXXX XXXXXXXX who was the presenter servicer of the mortgage had sold my loan to XXXX XXXX XXXX. I wasn't aware and had never been informed that mortgage wasn't serviced by Guaranteed Rates. 

I've now reached out to my new mortgage company only to find out that XXXX XXXX XXXX isn't handling the mortgage and its actually XXXXXXXX XXXX   that is handling my account. 

The letter from Guaranteed Rates stated not to pay them as the mortgage would be taken over by XXXX XXXX. I have yet to receive any paperwork about my account from XXXX XXXX. I XXXX XXXX on XX/XX/2018 to make arrangements to pay them but they couldn't help since they didn't have my paperwork. I was told by XXXX XXXX at the PA HQ that he would call me back on the XXXX but I have yet to hear from him. 

So I called and spoke to a guy named XXXX who informed me that my information was received on the XXXX and that it was due. He then proceeded to tell me that they are a debt collector. 

The reviews online show a history of predator practices so I need to know what steps or actions can I take to protect myself with this new company and to file a complaint against Guaranteed Rates for collect the PMI ( Which I have felt they were skimming money from ) and their lack of transparency about who the money from my payment was actually going to. 

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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Tried to contact the company directly but was on hold for 20 minutes before I hung up. I have no knowledge of the account. Im stuck because they wont help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

My credit report lists hard inquiries I never authorized. Kindly resolve this.
Product: Credit reporting or other personal consumer reports

Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. XXXX XXXX XXXX XXXX XXXX has been placed on my credit report to intentionally and fraudulently hurt me and my credit report. I have disputed this collection several times with the experian, transunion and XXXX credit agengies but it has came back as verified on tranunion and XXXX but experian deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX, XXXX, XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. It is also reporting as an open charge off account from 2 years ago with recent activity. as of XX/XX/XXXX on Transunion and the last activity on XXXX is on XX/XX/XXXX. the date opened on both is XX/XX/XXXX no account details or history on either agency with no term source type. this is fraudulent. on Transunion Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor 09 XXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$560.00} Unpaid Balance {$560.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Information Disputed By Consumer Account details No History Is Available. On XXXX it says Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX Monthly Payment {$0.00} Term Source Type Current Rating Collection/Charge-off Status Open Type Individual High Balance {$560.00} Unpaid Balance {$560.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating No Data Available Comments Account details No History Is Available Collection agency PROFESSIONAL DEBT ME XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account ID XXXX XXXX No has responded or sent me a validation letter Nothing ties me to this account. 
Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX I paid m XXXX XXXX XXXX XXXX account. The billing and dispute department refuse to credit by account. It continues to bill me, charge additional late fees and interest charges. It will not credit any of these. The dispute department at XXXX is requiring that I send additional information from XXXX XXXX proving that I paid the bill and that I did not stop payment on XXXX of the payments shown on the bill ( in the same amount ) I have contacted managers at XXXX XXXX customer service department regarding this since XXXX and sent proof of payment to all persons possible.
Product: Credit reporting

I have used AnnualCreditReport.com with no issues for years. The last XXXX times I 've tried to use the service it has failed starting in XXXX of 2015. This time when I tried to get my report from Experian, after entering all my information it immediately goes to a page that says, " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' Then it proceeds to tell how to get a credit report, how long it will take and how much it will cost. It also requires a copy of a government issued photo ID and a recent utility bill or like document. 

This is totally unacceptable. I did a quick internet search and have found similar complaints from many others. it appears the credit reporting agencies are not holding up their agreement to provide a free credit report annually to those who request it. I am asking you to contact them and require them to correct this error immediately. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I tried to temporarily lift a credit freeze of my account with the Equifax by calling on the phone, which resulted in nothing but telling me that the system was unavailable, I couldn't get to any live person to talk to, only automated responses. I tried to set up an account on Equifax website, that attempt ended in the same way telling me that the system was not available. I tried to communicate through an instant messenger on their website, i talked to three persons, who steered me to call on the phone, and expressed their apologies for the inconvenience, but to no result whatsoever. Finally, a banker at XXXX XXXX   tried to help me through their computers and again it failed, come to the same answer. Next day, i called the XXXX  and I was able to lift the credit freeze within 10 minutes talking to live person on telephone. 
Unfortunately, the XXXX XXXX only deals only with Equifax. 
After this I went to the XXXX XXXX and I found multiple complaints about Equifax for similar reasons.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX Al XXXX place a false collection account of {$440.00} on my XXXX, XXXX and Transunion File, this was disputed and removed under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. 

On XX/XX/year> Credence Resource Management of XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX placed the same false account of {$440.00} on my credit files again. 

I have never opened or had any account with any of the companies listed above. 

This is a clear violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

This is to serve notice to the two companies and 3 credit bureaus whose false report on my credit file has lead to damage to my creditworthiness when applying for credit.

I need these false accounts deleted off my credit profiles on all 3 bureaus.
Product: Mortgage

I got a call today from American Financial Network from the phone number of XXXX at XXXX PM. The call lasted XXXX  minutes and XXXX  seconds and the person who I spoke to was named XXXX XXXX who has an employer ID of XXXX. She agreed to allow me to record the phone call conversation I asked why American Financial Network is now calling me and asking for information, while 2 weeks ago they told me to speak to XXXX and how i have continually received different information from each of the businesses and the many issues that I had with the company. 

I was told that my loan modification request was under review whereas during last call about a week ago with XXXX  I was told that I could not apply for a loan modification or the Covid relief plan. It is recorded and this conversation today is another contradictory statement totally at odds with previous conversation just a week ago. This is absolutely confusing as I am told different things and different statements about my loan modification application status. I need help here as I constantly get contradictory information during every one of my nearly XXXX calls and followups with XXXX and American Financial Network.
Product: Debt collection

THis collection agency has put me below minium wage for the last year. They claim that because they though I was living with my mother that is why they took more. I have not lived with my mother for over 2 years. When I spoke to the judge he said he would look into the matter and get back to me. He never returned my call. Centon ( also known as ; Credit Systems in XXXX MT ) This collection agency now after my last payment ; have come back with medical bills from XXXX, XXXX and XXXX. I have asked for proof that these bills are mine. When I have asked for information in the past they have not sent it. They refused to lower my payment. Telling me how much I must pay. They sent the server to my work and say that I am served because they gave the notice to the payroll person. I have not received service. 
They called my mom and discussed my account with her. They say they will send documentation or forms for me and do n't. They say mail is returned when I receive mail ever day at my mailbox. 
I want them to stop harassing me.
Product: Credit reporting or other personal consumer reports

I am a victum of identity theft. I have a number of accounts, addresses and inquiries that I do not recognize. I have filed identity theft report and a police report. Please have the accounts deleted immediately. 

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

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX XXXX Date of inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX Date of inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XXXX. XXXX, XXXX XXXX Date of inquiry : XXXX XXXX, XXXX
Product: Student loan

I called a number to get approved for XXXX XXXX. I spoke with The Student Loan Help Center. I was n't sure about the program or what it was about. I inquired with some questions but I did n't realize i was speaking with a 3rd party representative that charged me {$600.00} to get started with XXXX XXXX. To my understanding I could 've just inquired with XXXX XXXX and it would 've been free. The lady on the phone rushed me and was eager to take down my credit card information. I talked to so many different people and no one mentioned that they were not XXXX XXXX. I kept getting transferred and I think it was because I asked too many questions. I thought I was speaking with XXXX the entire time but I was mistaken I did n't realize they were a 3rd Party Representative. The only time they reached out to me was when my payment did n't go through because my credit card information had changed. I was taken back. The only time these people reached out to me was for money. Not to inquire or inform me about the status and etc of my account. I 'm disturbed about all this. If i lose the money because i failed to do the research afterwards then yes that 's my fault but to my understanding I thought I was speaking to to XXXX XXXX. How do you CHARGE people for a service that 's free?!. And to top it all off, I was told I would n't be paying a dime for 20 years and that it would save me from paying interest and so on. I found out that in reality if I 'm paying {$0.00} a month, I would still be paying the interest rate monthly. They never mentioned any of this. XXXX XXXX told me to contact CFPB for assistance and I hope you guys can assist. Thank you!
Product: Debt collection

I have been waiting for my final and then I find out it has been turned over to collections i never got a bill and I had been a customer along time .I called and the man from XXXX was very ugly and was no help .I would have already paid the bill of what they say of XXXX but I still do n't think is right .but now its on my credit for 7 years because I could not get them to send me my bill and the closed my online account
Product: Debt collection

Numerous calls about collection of account with XXXX XXXX, received a letter offering to settle the account. i took the settlement and paid dish network as instructed to do. now they started calling everyday and some times 2=3 times a day about payment on thia account. Dish deposited the check in early XXXX. Covergegent is co that is continuously calling i have instructed them not to call me as this account has been satisfied