23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm currently in the process of securing a mortgage loan to purchase a house. Through this process it was brought to my attention that I had duplicated XXXX loans on my credit report that was generated on XX/XX/XXXX by XXXX XXXX. I contacted XXXX XXXX immediately to get a better understanding on why my loans appeared to be duplicated. XXXX XXXX was able to give me the information needed to determine that the duplication was happening with Experian. The other two credit bureaus, XXXX and XXXX, are not showing this erroneous information. I reached out to Experian to receive a copy of my report on their end which showed that I had the same loans open with both Department of Education XXXX and XXXX. However, this should not be the case because in XXXX of XXXX, my loans were transferred from XXXX to XXXX. I opened a dispute with Experian to have the balances with XXXX updated to the correct amount which should be XXXX. However, XXXX responded to the dispute that my accounts were valid. I contacted XXXX right away and spoke with them several times throughout the last few weeks. Each time, XXXX assured me that my balances for all the accounts were XXXX but due to a " consumer suppression '', they were unable to report anything other than the last report that they had for my loans which was a report generated in XXXX of XXXX that showed that my loans were still active with XXXX. By Federal Law, Experian is required to verify that all of information on my account is 100 % accurate. This is not the case at moment because I have on my Experian credit report balances with XXXX when in fact those balances should be XXXX. I would really appreciate any help that I can receive in this matter because this is negatively and severely impacting my mortgage loan approval. I will be attaching documents with all of the accounts from XXXX showing that they were transferred and have XXXX balances. Also, I will attach letters from both XXXX and XXXX stating my loans were transferred to XXXX.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2012 ,  XXXX   2012  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I pulled my  XXXX  Credit Report today,  XXXX   XXXX ,  2017  and there are  XXXX  collections on it just reported in  XXXX . I have not received any communication prior to them being reported to the credit Bureau by this collection agency I can identify.     I have highlighted the  XXXX  collections that appeared on my bureau from snapshots I took from the  XXXX  website noting the reported date as  XXXX ,  2017 .
Product: Mortgage

Today, XX/XX/2020 my lender informed me in order to keep the rate of 2.875 % that was disclosed on my LE I would need to pay {$490.00}. I attempted to lock my rate at the begining and the lender advised against it. The reasoning being, to save me money. I feel deceived. The opt in fee to keep the rate should have been disclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- Amount : XXXX According to 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 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I informed Macy 's of an account I did not have knowledge of until seeing it on my credit report. I disputed with the credit bureaus and they supposedly verified it. I took the next step and filed a BBB complaint as this is a serious issue. I filed the BBB complaint on  X/29 /2017 and  XXXX  from Macy 's executive office responded   XXXX  /2017. Her response provided the opened date of the account and notified me that it was being handled by the fraud department as of  X/21 /2017 which was before the complaint. She also notified me there was no physical copy of the application or signatures to validate the account. In addition she would not mail any fully itemized bills. She stated it can take up to 90 days. I called back on   XXXX  /17 and spoke to   XXXX   directly which she could not provide any assistance. She transferred me to  XXXX  in the fraud claims department who could not verify a phone number or an address. She stated there was no birthday appearing. She apologized and stated someone will mail you something to the correct address. My address was on the BBB complaint which they never once verified previously. Huge red flags.
Product: Debt collection

My wife has been receiving multiple calls daily for the past 2 weeks. On XX/XX/2018 I spoke to the company about a debit that I owed. When I asked for a verification letter they stated they have sent multiple notices in the mail, none of which I have received. Constant phone calls threating to garnish my wife 's swages and I only have one day left to accept the settlement. I have not heard anything about this debit from the original creditor in over a year. If they sent a verification of debit I would happily pay it, but until then I will not pay some company that I have no idea about nor trust. I am currently going through the XXXX process so having threating calls about garnishing wages really frustrates me. I know its my debit but I am getting no assurance from this company that its not some sort of scam they are trying to pull on me.
Product: Student loan

My student loan provider started as XXXX XXXX while I was still attending school, shorty after completing my provider was changed to Navient. I started making payments but as a new single mother I was struggling a bit and heard about the income driven payment plan. I called XXXX  and asked about the plan and they said they would set me up and see if they could get my payments lowered. They ended up putting me in a deferment or forbearance on repeat every time I would try to get onto this payment plan and when I would call to complain and ask that they put me in the right plan, I was told I had to wait until the deferment or forbearance period was over to apply. This went on for years and I was just fed up with them entirely. Now after all the lawsuits and seeing other people were affected the same way or worse than me, I have been switched to another provider once again called aidvantage and I am at my wits end with these crooked con artist companies. I refuse to pay the interest that I was forced to gather during my time with XXXX. Im afraid since I was sold to another company that my issue will be not be looked over and I dont even know what to do anymore.
Product: Payday loan, title loan, personal loan, or advance loan

Account # XXXX I've called multiple times XX/XX/XXXX I called to make a payment of XXXX then on XX/XX/XXXX a payment of XXXX which was authorized. Then on XX/XX/XXXX they took XXXX which I did not authorize now on XX/XX/XXXX I called to make a payment due to them not letting me pay online or viewing my account they are stating that I owe over XXXX which is incorrect considering I payed XXXX in the previous week 's mind you this was a XXXX loan that was taken out in XXXX of XXXX. By me not able to login to that account I can't view anything they claim it was due to me filing bankruptcy but I wanted pay them so I am attempting to pay them don't deal with speedy cash they are crooked.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/2024
Product: Debt collection

XX/XX/2019 XXXX at extension XXXX of National Check Resolution Inc. left a voicemail on a person that is no longer associated with the business regarding a debt that the business and I have obtained personally and threaten that a asset investigation is on the way, which brought total embarrassment to me and me wondering how she can legally leave personal information about me and my business on someone else 's voicemail. I called XXXX up and told her how can she legally do that and she said because the person was once associated to the business in her paperwork. And then I told her the business was in a legal lawsuit at the moment but I did have an attorney and would be filing bankruptcy because I have lost everything with the business, and she said if I settled today she could take a settlement but if not then as of Wednesday they will open a asset investigation and go after my personal accounts ... I really felt like she was XXXX  me to settle, when I have nothing, and I financially cant settle.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat A payment on a student loan account any open end consumer credit plan as late for any purpose. 

Again, attempted to communicate with the company and was provided a very generic response
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquired on XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

Ive recently taken a closer look at my credit report and discovered several inaccuracies and unauthorized accounts that are impacting my credit history. These discrepancies have had a significant negative effect on my life and my credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

The alleged debt has been sold without my permission and without the production of a new contract. You are trying to collect on an alleged debt and I have no contract with you- this is fraudulent activity. 
18 USC 1028 ( a ) ( 2 ) states Whoever, in a circumstance described in subsection ( c ) of this sectionknowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority shall be punished as provided in subsection ( b ) of this section. The punishment for this offense could be a fine or imprisonment according to 18 USC 1028 ( b ) ( 1 ). 
There is no way you should have my social security number or any identifiable information. You DO NOT have my permission. This is IDENTITY THEFT & against federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company did a hard inquiry that i did not authorize. The date listed is XX/XX/2018
Product: Credit reporting or other personal consumer reports

This account is Identity theft, Discover has been informed multiple times. Discover has misled in regards of the fraud process, documentation proving identity theft was provided and also mailed. My name has NEVER been XXXX XXXX, I have never been associated to the address of XXXX XXXX XXXX XXXX XXXXXXXX Discovers agents/representatives are unprofessional, this is discrimination, It has a lot to do with me being XXXX and this is unacceptable.
Product: Credit reporting

hi, the date of bankruptcy is inaccurate on " '' EXPERIAN '' '' the accurate date is XX/XX/XXXX which is also reporting by XXXX and XXXX XXXX, so Experian needs to make the correction
Product: Credit card

Hi there, I have a CapitalOne XXXX credit card. On the CapitalOne shopping portal, I saw an offer to sign up for the XXXX investment platform. The offer stated I would get XXXX CapitalOne miles after signing up for XXXX, and another XXXX miles for becoming an accredited investor on XXXX. 

I saw this offer on XX/XX/XXXX after signing in to my CapitalOne account. I immediately signed up for XXXX, and submitted paperwork required to become an accredited investor. I have confirmation emails from XXXX. 

The CapitalOne shopping portal shows my shopping trip, but does not show it as completed. Either XXXX or CapitalOne is not crediting the signup and accredited investor step. Ive contacted XXXX, they said this is a CapitalOne promotion and I need to contact them. Ive contacted CapitalOne, they said they arent seeing my visit in their system, although their shopping trips function shows it.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX-XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance they are reporting inaccurate information to the credit bureaus and I want them to correct it. Last activity was XX/XX/XXXX but they were reporting me as Charge Off from XXXX thru XX/XX/XXXX. I am in the process of closing on a home and because of this my credit score is being affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX Date : XX/XX/2018 Inquiry Type : Unknown - Credit Extension, Review, Or Collection I dont reconize this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, I applied for a loan but my bank was unable to pull my credit from Equifax. I thought it was because I had previously frozen my credit. I could not get the pin in time for the loan and in the end, they did not need to access it. I recently applied for a credit card and the credit agency asked me to lift the freeze on equifax. Having never received the pin, I sent in a request. Equifax has reported back to me that I have no file with them at all. I know this can not be the case because I was told that it was frozen by Equifax and because I have previously received an equifax credit report. I need help gaining access to my account at equifax. I have heard that I might have a split file that is causing this problem.
Product: Credit reporting or other personal consumer reports

I noticed their are accounts that should be blocked and removed forever from my consumer report. The accounts ae in collection/charge off. All communication for example credit reporting is against the law/ to continue after me XXXX XXXX speaking on my behalf myself.
Product: Credit card

For dispute XXXX I didnt receive the item, XXXX showed what they received ( photo attached ) the bracelet was not inside the box, the box was empty. 

XXXX showed the signed proof of delivery, but not signed by cardholder ( photo attached ) according to credit card rules, I am not responsible for this payment!!!!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I ACAT my assets from Public brokerage account to Robinhood. While the assets transfer has been completed and went succesfully. Robinfood has failed to provide in a timely manner, the cost basis of the assets transferred. I have contacted them multiple times and during those times, their customer service has always told me to either wait 15 days because it will be automatically transferred or contact Public to send Robinhood the cost basis, which I have done so, and I have a written proof from Public that they have re-send the cost basis to Robinhood. As of XX/XX/XXXX, the cost basis of the assets transferred has never been corrected nor provided. I would like to remind Robinhood in this complaint that under the amended Internal Revenue Code section 1012 ( see sections 1012 ( a ) ( d ) ) and section 6045 ( see section 6045 ( g ) ) and added new sections 6045A and 6045B that brokers are legally required to provide the correct cost basis which Robinhood has failed to do so. I would like to quote the section that is mentioned earlier " every broker that is required to file a return under section 6045 ( a ) from the sale of a covered security must include in the return the customers adjusted basis in the security and whether any gain or loss with respect to that security is long-term or short-term. '' In conclusion, Robinhood has been given more than enough time to correct the cost basis. Furthermore, the customer, has reached out to Robinhood multiple times and Robinhood has not done anything on their end to try and correct the cost basis. Robinhood is non compliance to the rule which should result in fines and penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Capital One ( XXXX XXXX  Account ending in XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

CREDIT CONTROL CONTACTED ME BY EMAIL ABOUT A XXXX ACCOUNT WHICH I HAVE OVER A XXXX BALANCE. I HAVE NEVER HAD A XXXX ACCOUNT AND I WOULD LIKE THIS TO BE INVESTIGATED AND REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains a significant number of unauthorized requests, as well as some reporting of fraudulent accounts and information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I am requesting you to please remove the following accounts and inroamtion that resulted due to identity theft : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XX/XX/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  I have read that under the Fair Credit Reporting Act section 605, and have the fraudulent accounts and inforamtion removed completely from my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

We started a re-finance of excising mortgage with Pennymac Loan, LLC, NMLS ID # XXXX ( XXXX ) at the end of XXXX. We comply with their entire request for documentations, income, and taxes, so on. They would not communicate with us for weeks, only after we questioned where they were in the process that the representative would tell us. Eventually an appraisal of our property was set for XX/XX/XXXX with XXXX XXXX XXXX XXXX out of XXXX MN. We pre-paid {$480.00} for the appraisal, including the credit background check {$26.00} handling fee {$3.00}. After we paid for the appraisal and the appeaser was at our home on XX/XX/XXXX, we did not get a copy as stated by law in a timely manner ( 3-4 days ) as per the Equal Credit Opportunity Act, or by Equal Housing Opportunity Act. It was not till I called them that an email was sent to us by Pennymac on XX/XX/XXXX. Pleasse notice that it was 15 days after the alotted time to send us a copy that Pennymac had sent an email to XXXX ( owner of home ) at his work ( business ) email. The email was to have had a link to open the supposed copy of the appraisal. This link was broken and did not work. I try to communicate this to the agent I had been working with to only find out he no longer worked with the company, and another person was to be asigned. So I, did not receive the appraisal copy that by law was to get. After several attempts to communicate by phone with Pennymac no copy was delivered. Eventually Pennymac would not communicate with me on a timely manner and the process with them to re-finance our home fell through by the end of XX/XX/XXXX. 
I still have not received the copy of the appraisal as by law I was to get. Several more calls to Pennymac with no progress were done, two of them this XXXX, XXXX. Results were after explaining the reason of not receiving the appraisal, the representative was hostile towards me, and my call was disconnected. Each time I try calling back on XX/XX/XXXX and getting a different representative, I had to explain all over again the reason of my call once the representative heard me, I was told they did ot have to talk to me and I was disconnected. I even tried to communicate by email with the person that did the appraisal, his response was that he can release it to us with Pennymac approval, but he did not request this of Pennymac even after we suggested he should. 
I believe Pennymac had violated the laws by failing to produce a copy of the paid appraisal on a timely manner. Even after we tryied to explain that we did not received one due to technica/ electronic problems, they did not US Postal Service us a copy. To date we do not know the results of the appraisal or the value of our home. I do believe the company tactics were to collect money for an appraisal and do nothing to refinance the home loan we applied for.