23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Last XX/XX/XXXX I filed a complaint Case # XXXX against the XXXX XXXX XXXX with Comenity Bank and we resolved it and the account was closed. There has been no correspondence, no billing statements ( I had switched to paper statements etc in late XX/XX/XXXX ) nothing from this company in almost 9 months so I assumed this matter was resolved until this morning. When I received an email stating that my statement was available for viewing. So I decided to check into it further and come to find out the account apparently has either been reopened or was never fully closed even though I have emails stating that it was closed. For some reason on XX/XX/XXXX a credit was applied to my account in the amount of {$22.00} which now apparently gives me a line of credit of {$170.00} of which I did not ask for nor did I apply for since I closed the account last XX/XX/XXXX. It also says I received a refund check, I never did since I was n't due a refund I never paid for services I did not order nor did it EVER total the amount they say they sent a refund check for.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the consumer file held with FactorTrust regarding myself, I found that this company is reporting incorrect personal information regarding me on file. I reached out to this company via USPS mail twice with a written dispute clearly disputing all incorrect information and clearly providing the correct personal information. In both written dispute letters I included a copy of my ID and proof of address via bank statements. Both attempts to dispute were not investigated or corrected. I will be pursuing legal steps since FactorTrust continues to violate my rights under The Fair Credit Reporting Act by refusing to properly investigate and DELETE the incorrect information it is reporting on me.
Product: Credit card

XXXX XXXX, a email was sent to me about a new credit card being open by Synchrony bank. 
I did not initially read or open the email when I received it. 
XXXX XXXX, another email was sent out, congratulating me on my new credit card. ( Both emails sent were by different XXXX accounts ) I called the number provided to try to close the account. They wanted me to say my SSN to verify the account, I did not want to and stalled by verifying other information they had while I searched online about SSN over the phone. I found out they already had my name, address, and that they wouldn't ask for XXXX other the phone. ( Plus they provided the address to me to verify and I don't think they should've been giving out information like that to begin with ). 
I hung up the phone without giving them the XXXX and despite them having my call back number in case the call got disconnected, they still haven't called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to verify the validity of numerous inquiries on my credit report. I was told that it's a " factual record '' but Equifax will not provide me a copy of a signed authorization form, giving them permission to report these inquiries as fact. Equifax can not and will not provide me with proof bearing my signature and giving authorization for my credit file to be viewed by ANY company, therefore giving them permission to report these inquiries. I request that the below mentioned inquiries be removed if proof bearing my signature can not be provided. 
( 1 ) XXXX XXXX - XXXX XXXX, XXXX ( 2 ) XXXX XXXX - XX/XX/XXXX ( 3 ) XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ( 4 )  XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ( 5 ) XXXX - XX/XX/XXXX Thank you, XXXX XXXX Last 4 SS # : XXXX D.O.B. XX/XX/XXXX
Product: Debt collection

fees collected by XXXX regarding a listing that never posted or sold on my XXXX Account. The charges according to them is for a listing that i had listed for for auction .. this was never clear in writing at the time of publishing..
Product: Credit reporting or other personal consumer reports

Tranunion inaccurately reports my information and does not update my record appropriately for years. I have had no derogatory issues for many years. Also have been XXXX XXXX and they do not update my account after writing to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of inquiries on my Credit Reports that should not be. I called the dealership and was told that I needed to contact the credit bureaus. I called XXXX and was informed to file a police report. I am not claiming that my identity was stolen I am stating that the dealership was only given permission to run my credit through one creditor and that is not even on the report. I see certain ones on there multiple times a day apart as if they were continuously attempting to run my credit. The following needs to be deleted from my reports. 

XXXX : XXXX XXXX ( is on there 3 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX from XXXX XXXX  has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have sent several dispute letters to the creditor asking proof and validation of the debt reported on my credit bureaus and no evidence has been provided.

Tacking information of Certify mails are the following. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

Caine and Weiner Company , Inc. did not respond to my previous request ( Complaint ID : XXXX ) for a breakdown of the balance details. There are XXXX balances referenced on XXXX of their correspondence letters including a reinstatement amount and an amount due of {$730.00} and {$14000.00}, respectively. This letter is not dated, but drafted by representative of that company, XXXX XXXX, ( XXXX ) XXXX ( attached ). As indicated on my previous correspondence, I attempted to reach XXXX XXXX via phone to no avail. I left at least XXXX voicemail. The company also claims they attempted to reach me, but they did not specify the means by which they claim to have done so ( e.g., email, phone, or witten letter ). Furthermore, no date is specified, nor did they disclose who they claim attempted to reach out to me. You can refer to the company 's response in the aforementioned complaint ID to confirm this.
Product: Debt collection

XXXX/XXXX/XXXX XXXX XXXX XXXX received my first request for debt validation as I do not recognize said debt. 

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX first response letter. XXXX failed to provide request information or anything that proves I owe said debt and only provided name, last XXXX of XXXX, debt amount, date account was opened, original creditor name and address. 
. 
XXXX/XXXX/XXXX XXXX receive my second request for proper debt validation, highlighting previously requested information that was not provided. 

XXXX/XXXX/XXXX Received XXXX second copy of bill originally received XXXX/XXXX/XXXX, still not providing requested information or anything proving I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this issue and still haven't been resolved. 
My rights are still being violated according to FCRA 15 U.S code 1681 Findings and statement of purpose 15 U.S code 6801 Protection of nonpublic personal information 15 U.S code 6802 Obligations with Respect to disclosure -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian
Product: Credit card

Got a credit card at XXXX not knowing how to be responsible with it. I try to do lower payments after I broke my hand and wasnt able to work for XXXX months, but they slowly just started charging me more for interest.
Product: Credit reporting, credit repair services, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX  XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with XXXX has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, XXXX, and XXXX  under the FCRA but hasn't received a timely response regarding my written consent. Each CRA hasn't responded yet regarding my written consent. XXXX  XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCBA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can you verify if the furnisher could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. 

Please delete these accounts from my credit reports since your company did not properly verify the information and the furnisher could not provide sufficient proof to prove their reporting. 

XXXX XXXX : Account number : XXXX, XXXX. Monthly payment should be reported correctly. 

XXXX XXXX : Account number : XXXX, XXXX. Monthly payment should be reported correctly. 

XXXX XXXX : Account number : XXXX, Erroneous. Monthly payment should be reported correctly. 

XXXX XXXX : Account number : XXXX, Erroneous. Monthly payment should be reported correctly. 

XXXX XXXX : Account number : XXXX, Erroneous. Monthly payment should be reported correctly. 

XXXX XXXX : Account number : XXXX, Erroneous. Monthly payment should be reported correctly. 

I hope we can resolve this issue without complaints to the Consumer Financial Protection Bureau and other agencies. 

Looking for your help.
Product: Debt collection

Convergent has been attempting to collect {$850.00} since XXXX. They re-aged this debt in XXXX, making it look newer and having a significant impact on my credit. The correct amount for this debt is {$450.00}. Convergent has been reporting the wrong date AND amount. This has caused huge financial strain and loan denials.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit Bureau has violated the Law and the FCRA by Reporting the two accounts below inaccurately on my credit report. I demand that the Credit Bureau removed the to accounts listed below from my credit reports immediately Ive never opened an accounts with neither of the creditors ever before : 1.Name : XXXX XXXX XXXX Account number : XXXX Name : XXXXXXXX XXXX XXXX Account number XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 got a mortgage having to put it under an LLC with XXXX who turned out was not licensed but the loan was a XXXX supposedly it was XXXX then XXXX then XXXX then XXXX XXXX who said they were not the mortgage holder. anyway I built a new building and got XXXX ' on on my LLCs property XXXX foreclosed and took my property purchased by XXXX XXXX XXXX I found out XXXX was owned by the loss mitigation director XXXX XXXX and Ocwen Financial Services which is conflict now they are trying to take my new building claiming they own the XXXX ' even though the deed is in my name. they signed the sale as purchaser XXXX XXXX XXXX VP a XXXX employee then assigned it to themselves from XXXX XXXX VP of XXXX I learned Ocwen Financial services was the straw buyer from a XXXX investigator these are all top officials who have been stealing property
Product: Mortgage

Upon an attempted request for a modification package needed a few months go, this company continue to keep giving a ring of a run around telling me that someone will be contacting me and I have yet to receive a call. I had to send a via certified mailed letter in to get a final acknowledgement of received signed request to add an authorized person to the account, after several failed attempts in faxing it to the fax number provided. 
Dealing with this company seems to be like pulling teeth and they continue to just keep you on a goose chase, just in getting information in an attempt to prevent a possible foreclosure before matters starts to get tighter with my brothers health care financial needs.
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX regarding their collection practices associated with the above-referenced account. 

XXXXDetails of the Complaint : ** XXXX. **Unverified Debt : ** I have requested validation of the debt through a 609 letter, but I have not received the necessary documentation to prove that I am responsible for this debt. 

XXXX. **Failure to Cease Collection Activities : ** Despite my request for validation, XXXX XXXX XXXX has continued to pursue collection efforts, which I believe violates the Fair Debt Collection Practices Act. 

XXXX. XXXXInaccurate Reporting : If applicable, describe any inaccuracies in your credit report related to this debt. 

XXXX. I started the dispute with XXXX around the end of XXXX of 2024 to XXXX and have not really been no help. This issue start around the Pandemic with original collector when we both my agreement if I pay a certain amount, my debt we not be in collections. 

Account Number : XXXX I am seeking assistance from the CFPB to resolve this matter. I would like XXXX XXXX XXXX to cease all collection activities until proper validation is provided, and I would appreciate any guidance on further actions I can take. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I have an adjustable Rate mortgage which should be based upon the LIBOR 6 month rate 15 days before the change date. This time they intentional used a date 24 days before which makes a difference in rate by 1/8 %. this has changed 8 times already and every time it was on XX/XX/XXXX or XX/XX/XXXX and this time they used XX/XX/XXXX. Nice random date which made me look at it closer. 

This is intentional fraud.
Product: Money transfer, virtual currency, or money service

My stimulus checks have went into an account that I do not have access to nor is my name attached to it in any way. The deposits however had my name attached to them and the bank accepted the deposits into the account the I do not have access to. I called the IRS they said unfortunately since the bank accepted the deposits there wasnt anything they could do for me, that I would have to contact the bank. So I contacted the bank and they told me that they couldnt reverse the deposits that I would have to call the IRS so I then called the irs back and they again told me the problem was with the bank they couldnt help me. So after trying to recover my stimulus payments for quite some time now Ive been sent back and fourth between the bank ( Chase bank ) and the IRS and continued to be told there was nothing anyone could do. I am begging you for some help the bank said your offices was my only other option. They ( chase bank ) are helping the account holder commit theft of all 3 stimulus deposits. Please contact me ASAP XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not been responding to my requests to remove harmful information to my credit report and this seems to be my only option at this point. I have been attempting to update my current address and eliminate other addresses that are not associated with my consumer report. The original document was sent out on XX/XX/2023 to be received within 5-10 business days of that letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, I did have owe Macys charge card a balance of {$310.00}. It went into default. They sold it to collections. A company called XXXX XXXX  called me to collect the debt. I paid it in full. I was told it would be removed from my credit report if I paid in full. It was never removed. 

On my credit report it shows balance updated on XX/XX/XXXX. Opened in XX/XX/XXXX. Charged off on XX/XX/XXXX.
Product: Mortgage

On XX/XX/2022 my mortgage loan application was denied by Navy Federal Credit Union. 

According to the denial letter received, the reason for the denial was due to " excessive obligation in relation to income. '' The loan officer assigned to my file was XXXX XXXX, XXXX XXXX XXXX XXXX At that time, I was under contract for a home purchase for a property located in XXXX, VA, which was due to close on or before XX/XX/2022. 

The reason for the denial was not justifiable. I had a strong financial and credit profile with a credit score of XXXX, was putting down a 20 % down payment for a conventional 30 year fixed mortgage, and I was paying off a debt with NFCU prior to closing. 

I have been a member with Navy Federal Credit Union for over 20 years, have held several accounts and loans in satisfactory status, including most recently, a mortgage in the amount of {$350000.00}, which was paid off in full from the sale of my home on XX/XX/2022. 

From my initial interaction with the loan officer, I did not feel she was working in my best interest. I had reached out several times by phone and email with questions about my loan file and process and did not receive responses or follow up in a timely manner. On XX/XX/XXXX, I called the NFCU Customer Service line and requested to have my loan officer reassigned due to the lack of follow up and unresponsiveness. I was never reassigned. In addition to this, I expressed my concern with XXXX XXXX, the loan officer, about wanting my loan documentation and file verified upfront prior to going under contract on a property. They stated that they could not do this. I was issued a pre-approval in the amount of {$320000.00} with room to go up even higher according to the loan officer. The contract price for the property I was under contract for was XXXX with a 20 % down payment, bringing the loan amount to {$190000.00}. I was locked in at an interest rate of XXXX with a float option. Based on all the above mentioned reasons, this was a major discrepancy where this loan should NOT have been denied. 

Although my prior XXXX year work history and income was provided, I also offered to show proof of income for my income earned year to date in XX/XX/2022, and was told that information would not be considered. My savings account at NFCU demonstrated sufficient proof of funds, to cover the 20 % down payment required, plus the NFCU credit card debt payoff, as well as cash reserves to cover 12 months of mortgage payment. 

Based on this information, I feel I was unfairly denied a mortgage loan and discriminated against because of my race and identifying as XXXX.
Product: Debt collection

Synchrony Bank called me in XXXX XXXX, to tell me that I had money in their bank. I told them that I did not have an account with them. They offered me to send information about it, by mail, to which I agreed. On XX/XX/XXXX, I received a letter from them, saying that the account XXXX ( I don't know the numbers ), was sold to XXXX XXXX XXXX for {$5200.00} ( I didn't understand what it was about, and I left it for later, because XXXX is very complicated ). 
Today, XX/XX/2022, I received a letter from XXXX XXXX XXXX saying that I have to pay them a debt of {$5200.00}! 

I do not owe that money nor have I borrowed it from anyone.
Product: Money transfer, virtual currency, or money service

Money was sent to a person month after month without my permission to pay a rent for an and to an address which I dont reside at at all. I could not receive any help for the proper refund.