23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were referred to XXXX XXXX ( NMLS # XXXX ) with Signature Mortgage. We went through the motions to buy a home and received a pre-qualification letter to proceed on the purchase ( credit pulled and letter received XXXX 2015 ). We found a home in XXXX and put in an offer. The offer was accepted on XXXX XXXX, 2015. The purchase agreement was sent to XXXX and the loan was on its way. XXXX told us that while he was n't familiar with this type of loan ( rehab loan ), he could get it done. Weeks went by and we were working diligently to produce the architectural plans ( hired an architect ) and the bid for the project. These were sent to XXXX XXXX XXXX. Many updates were given by XXXX to the Seller 's agent and to myself that lead us to believe that this deal was moving forward. I spoke to XXXX on the phone XXXX XXXX and he told me that he was working hard on my deal. Still no appraisal had been ordered, no paperwork had been given regarding the loan and no commitment letter was issued and time was ticking away on my contract. We asked for an extension from the original close date of XXXX XXXX to XXXX XXXX. The seller 's agent called his office on XXXX XXXX and spoke to his manager. The manager XXXX XXXX told him that he had no evidence that a loan application was ever made for myself and my husband. This was a huge red flag. The seller 's agent called my agent who then called me. I called and left XXXX message for XXXX XXXX and forwarded him the first and last email from XXXX stating that this loan was moving along. XXXX returned my call the next day XXXX XXXX and told me that there was nothing he can do for me, they do n't even offer these types of loans and that they ( Signature Mortgage ) have not violated any laws. He also told me that they were not liable for anything and that I should 've known that the loan was not pending because I am a real estate agent. Then that very day there was a hard credit pull for both my husband and I from Signature Mortgage. They pulled our credit without permission even after XXXX told me that they were n't working on my deal. 

I have not spoken to Signature since the phone call on Friday morning at XXXX with XXXX XXXX. 
We have spent money on this deal - architecture and escrow money. We are working on salvaging this deal.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Macy 's American Express card limit was decreased for no apparent reason. The card was overpaid accidentally and used to bring the balance back to XXXX. A week later the limit was decreased from {$10000.00} to {$500.00}. This will negatively impact my credit FICO score which is in the XXXX range ; no lates ; with a XXXX % credit usage.
Product: Credit reporting, credit repair services, or other personal consumer reports

My concerns are their unfair credit reporting processes. I paid my account within 30 days and my account was never late. However, it was reported late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of idenity theft. the following items are reporting on my credit profile and they do not belong to me. a collection account from XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Bureaus XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and the following INQUIRES do not have my authorization XXXX  Card services XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX via XXXX Bank XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX via XXXX XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Wrong Names such as XXXX XXXX all of this information is incorrect! ad i demand this be removed from my credit profile i have reached out to each beures several times and they still continue to report these inacuracies on my credit report this is completly unfair. I have filed a Identity theft report on XXXX and I will attach this file with this complaint.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> **Customer Service Department** Jefferson Capital XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Dear Sir/Madam, Dispute of Account # XXXX I am writing to formally dispute an issue related to my account, # XXXX with your company. I have recently reviewed my account statement and noticed discrepancies that I believe require your urgent attention and resolution. 

I can attest that I did not open an account with sprint as I have been with XXXX XXXX XXXX for more than XXXX years. This account was opened fraudulently, and I request that it be removed immediately I kindly request that you investigate this matter and provide clarification regarding the charge. If necessary, I am happy to provide any supporting documentation or further details to assist in the resolution of this issue. Attached is the oldest and the newest account info. 

Please confirm receipt of this letter and inform me of the steps you will be taking to resolve this matter. I would appreciate your prompt response within 15 days as I would like this issue to be resolved swiftly. 



Thank you for your immediate attention to this matter. I look forward to your prompt response. 



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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Went to Toyota in XXXX XXXX XXXX, FL on XX/XX/XXXX and was trading in my lease to purchase a Toyota XXXX XXXX. Dealership failed to notify me of interest rate prior to signing documents of the loan term, did not disclose full loan amount and pressured me into purchasing warranty I did not really want. I had fraudulent accounts on my credit report and did not know at the time, which results in my outrageous interest rates. When signing documents at the end, When asked the interests rate the employee said he will tell me at the end. He scrolled through paperwork quickly and had me initial only. Did not allow me to read what I was signing even though I had asked to. Told me he will go over it after I sign it. Sales associate states that the vehicle price was totaling below the sticker price and after signing onto my SETF account I see the cost is much higher than sticker price.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX {$5700.00} / XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Experian ID XXXX XXXX and XXXX XXXX. IN BEING VERY CAREFUL NOT TO DUPLICATE A COMPLAINT, this complaint will focus on one aspect of my dealings with this XXXX XXXX, which is failure to honor our contract. The Experian name relevant to XXXX XXXX, repair and monitoring is usually a well Respected name and service. However, Experian ID XXXX XXXX in combination with XXXX XXXX XXXX, has placed a tremendous blemish on the Experian name. Don't take my word for it, simply read the volume of complaints listed on the XXXX XXXX XXXX, and the Consumer Finance Protection Bureau. The famous words this service loves to say is " there is nothing further we can do ''. This service leaves the customer in the same mess or worse, than when the customer such as myself, initially began their contract. They continually refuse to honor their contract, and this is the basis for this complaint. This service simply ignores the customers needs and requests. And they expect the customer to do all the work that they were hired to do!!!
Product: Vehicle loan or lease

I tried to pay off my WestLake Account XXXX | XXXX XXXX XXXX XXXX XXXX in the amount of {$11000.00}. The website only allows a max payment of {$4400.00}. I called in and the automated system only allows me to make a payment of {$4400.00}. I finally got in touch with a human and they let me know I couldn't make a payment that high. It is virtually impossible to pay off this loan. It appears they are making it difficult to get every XXXX of interest and fees that they possibly can. It's bad lending practices and very frustrating. I still haven't been able to pay off my loan.
Product: Mortgage

I have a several complaints towards this company but this is the newest. I spoke with a " relationship manager '' at Select Portfolio Servicing. As instructed by the correspondence I received almost EVERY day and set up several monthly payments. I just received a check with a letter stating they wo n't accept a partial payment??? I then sent them a message to cancel the XX/XX/XXXX payment since they 're just going to return it. That was yesterday. Today the payment is attempting to come out of my bank account?? I do n't get it. It 's like one hand does n't know what the other is doing. I am also enclosing the fees they 've charged for supposed " home inspections, '' which I 've never witnessed anyone doing, only that a card was left on my door. This company does n't want to help at all! I 'm attaching one of the letters that have the so=called inspection fees. Why is there so many inspections? I 'm told it 's to make sure the house is occupied. The fact that we live here has NEVER been in dispute and has been confirmed many times with Select Portfolio so fees are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting information to XXXX that has enabled them to keep a negative account that should have been deleted in XXXX, active ... according to XXXX, until XXXX XXXX, 2017. I filed a dispute with XXXX stating that the account from BOA should have been deleted ion XXXX. They claim that information received from BOA during their investigation of my dispute causes them to keep the account open for 10 more years.
The account should be deleted immediately. If what XXXX is claiming is true, information that BOA supplied them is in error.
Product: Vehicle loan or lease

Exeter is a fraudulent company do not loan a car from them. They do not care all they want it money. I traded my old car and bought a XXXX XXXXXXXX XXXX  made a downpayment on the car. I was paying the car monthly. My car ended up getting stolen by XXXXXXXX XXXX XXXX. I asked them for an extension. I asked them if there was a way that they could stop the payments on the vehicle because I had XXXX XXXX XXXX XXXX XXXX which cost me a lot of money almost XXXX dollars a week. They never helped me. The agents were rude the supervisors too demanding that I give them money or they would take my car. I noticed that the last time I paid they would rack up fees on top off that my loan is out of control they let it get out of control now I am in debt almost XXXX something dollars. I had my belongings in the car and they came and repoed the car without notice. I look outside and my car gone. They were even trying to charge me for the XXXX dollar repoed fee. They lied on paperwork knowing that they never wanted to help me. I called them today and they said that I could have gotten an extension when my car was stolen which they refuse to do. I really want my car back now they are asking me to pay all this money just to get possession of my car. Loan with them at your own risk. They are frauds and scammer. I should have never financed with this company hopefully their is no damage to the car. My credit score is also messed up as well because of exeter. Its crazy what these company 's do they do not care.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX  XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$370.00} XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX Balance {$63000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$920.00} XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX/XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXXXXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My dorm room was broken into & all my stuff including my ID was stolen. I now have unauthorized inquires on my credit report
Product: Credit card or prepaid card

I made a purchase with my Chase credit card on XX/XX/21 from XXXX XXXX. I didn't receive my furniture until XX/XX/21. After getting the furniture ( Loveseat, sofa, chair and a half, and an ottoman ) something was wrong with them and the quality was terrible. It was not the same as what we had tested and sat on in the store. The material was different, the ottoman material was different from the couches, and it made a creaking noise and there were fuzzballs on the cushions. I reached out to XXXX ( the store and customer service ), in XXXX, XXXX and XXXX, and I got the run around and was laughed at and told I could not return them for a different set. So I reached out to my credit card company in XXXX. They filed a dispute for me, in which they told me if XXXX XXXX wasn't willing to help me with a return, that Chase would get me a credit for the amount of XXXX. I recently received a letter from Chase stating that my dispute was closed because the charge was valid because I did not return the merchandise. They denied my claim without even trying to take my side as a customer. They just discarded my dispute for the most absurd reason, when knowing they were couches I couldn't just load in my car and return, also knowing XXXX would not let me return them. I reached out to Chase two days ago, and she stated it was too late to reopen a dispute and there was nothing they could do. As a long time customer, they did a huge disservice to me, and did not stand by my side or try to help me with this situation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : ( Original Creditor : XXXX XXXX XXXX ) : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I had a mortgage from Bank of America. But they lost it for three years oresoso. They wanted {$100000.00}, I could not do so, and they foreclosed. 
I tried many other Banks and help. No good. 
They bought XXXX XXXX mortgage in a heart beat. I was out! 
This is a terrible Bank
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of XXXX  yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX, CA XXXX Date XXXX : XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$5000.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$3900.00} XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I sent a payment of {$300.00} to a party promoter for a VIP service for an event happening on XX/XX/year>. Closer to the date I reached out to the promoter and he said that event had been cancelled because it landed on " XXXXXXXX XXXX ''. That gave me the first indication that this individual was a scammer, as XXXX XXXX  is not in XXXX. This event had a flyer and additional contact information as part of the event ( linked below ). 

The promoter kept leading me on that he was waiting for a refund from the venue and ultimately stopped writing back to me via message to refund me. I can share the text messages ( screenshots ) upon request, that tie to the phone number listed on the event description below. 

XXXX - XXXX XXXXXXXX XXXX  Number - XXXX XXXX XXXX XXXX XXXX XXXX