23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

First off, I would like to explain the corruption in south Florida with police officers and the sheriff department. Every person, vendor, financial entity are in communication with an officer utilizing a sophisticated technology to predict and anticipate everything we do on a daily basis. Our school system, banking institutions, credit bureaus, mortgage or loan lenders etc. are doing what they are told to do following the instructions the officers give them. It's a major corruption in Florida. 

I submitted an application for a mortgage with American Bancshares Mortgage LLC, the loan officer name is XXXX XXXX his phone : XXXX. The application process does not affect the credit score upon a soft credit pull. Last month I submitted the application, and my credit score remain the same it actually increased 3 points. XXXX XXXX increased to XXXX, XXXX XXXX, XXXX XXXX but increased to XXXX. On XX/XX/year>, I was scheduled for a loan application review. Which I was approved for. However, was informed by XXXX XXXX, his exact words were ( he can not approve me for a single-family home I will be living in a 2-bedroom condo located in XXXX ). He could only approve me for a {$160000.00} loan. 

When he told me that I knew he was redlining me and told what to do by the officer he was in communication with. I respectfully decline the loan which had no impact to my credit score. However, on Friday I did notice before the application review my XXXX credit score dropped XXXX points now XXXX displays XXXX credit score. I believe he had something to do with it. 

Based upon my credit score and financial documentation I can be approved for an FHA loan up to $ XXXX {$300000.00}. 

I know a handful of people right now approved for an FHA loan worth {$350000.00} and work at a Labor construction pool and on section XXXX. 

He also informed me the side money I make as a licensed private detective which are documented on my merchant square account can not be counted as a form of income because it's not documented on my income taxes. Most banks asked for side income although my side income can is documented. 

I believed the officer he is communication with told him not to approve me for a loan worth {$200000.00} or more. Because single family homes prices have dropped significantly with no HOA to pay. XXXX XXXX, XXXX, XXXX XXXX 3beds, 3 baths homes available in that range. Plus, the first-time homeowners grant would apply to it. The city of XXXX XXXX and XXXX offers up to $ XXXX {$100000.00} in grants. 

Listen I was born in this country I am not an immigrant. I should not be experiencing none of this. Immigrants migrate into this country illegally and are able to get over {>= $1,000,000} in home loans working at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them.
Product: Debt collection

I was contacted about a debt I supposedly owed from the year 2009. I was threatened to be sued and have levys and leins but against my home/car/bank accounts and wages would be garnished and accounts would be frozen and damage to my credit report would be done for a period of 7 years. I was threatened with all of this if I did not make a payment by XXXX XXXX central standard time the following day ( less then a XXXX hr period ) If I did not make a payment by then, I would be served. They threatened to serve me at my place of employment as well. When I asked for an address to send a debt validation letter they would not provide me with an address and said they didn't have to. They sent me a pay agreement to my email which had an address listed. I looked up the address and called the XXXX XXXX XXXX in the town they provided and they said there is no such law firm by that name in the area.
Product: Credit card

I opened a Ballard Designs store credit card offered through Comenity Bank on XX/XX/year> because they were offering " double bonus points '' during that weekend. I have been a faithful customer of Ballard Designs for over XXXX  years and never had a bad experience so I didn't hesitate to sign up because I was getting ready to make several large purchases. Unfortunately, Comenity Bank did not fulfill their promise to award the double points to me. In fact, I had to contact the XXXX store XXXX XXXX numerous times just to get the " regular points '' awarded to me. After over a year patiently working with XXXX to get the remainder of the bonus points awarded to me what I encountered at the end is silence and disregard from the Ballard Designs local team and regional leadership. My biggest regret is signing up for the Ballard Designs credit card because I was sold a bill of goods that neither Ballard Designs nor Comenity Bank could delivery on. 

I have screenshots of my text communication with XXXX at the XXXX store showing that she actually received written confirmation from Comenity Bank where they acknowledge an error was made on their end. Comenity Bank indicated in writing they were going to fix this error and give me the outstanding points to me, but that never happened. 

I have credit cards with all the major banks such as XXXXXXXX XXXX XXXX, and I have NEVER experienced such fraudulent business practice that Comenity Bank operates under. Their tactic is to delay, deny, lie and ignore customers with legitimate complaints. I hope they will be investigated because I doubt I am the only person who has been duped and signed up for a credit card offer that did not materialize.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX Equifax dropped my credit score XXXX points because someone changed a creditors name on my report without my permission and the creditors names is misspelled. There is no such creditor named " XXXX XXXX XXXX, nor XXXX XXXX XXXX ''. I WANT ALL OLD ADDRESSES, PHONE NUMBERS, CREDITORS THAT DON'T EXIST REMOVED OFF MY CREDIT REPORT. I DIDN'T GIVE ANY PERMISSION TO ADD OR PUT INACCURATE INFORMATION ON MY REPORTS INCLUDING ANY LATE PAYMENTS THAT MAYBE ON MY REPORTS WITHOUT MY KNOWLEDGE OR EXPESSED PERMISSION IN WRITING FROM ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my credit report from XXXX XXXX XXXX  I'm confused because I don't even own a XXXX XXXX XXXX XXXX 

In accordance with the fair credit reporting act 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX  got a credit card its been XXXXyrs and still on my credit report and another account same bank was sent to XXXX XXXX XXXX and they tried getting them to lower what i owed so have to pay full amount for XXXXmore yrs they wont lower what i owe we have a hard ship and still wont lower the cards and loan
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX DETAILS Account Name - Account # XXXX Original Creditor - Company Sold - Account Type COLLECTION Date Opened XX/XX/2020 Account Status! - Payment Status Unpaid Status Updated XX/XX/2020 Balance {$1900.00} Balance Updated - Original Balance {$1900.00} Monthly Payment Equifax and XXXX  put this on my report 3 times now just changed the name. 
law does not permit this without notifying me first within 5 business btw FTC violations sent the police report and ftc
Product: Mortgage

EQUIFAX SELLS CONSUMER 'S DATA WHEN THEY RUN A CREDIT INQUIRY On XX/XX/23 our bank lender we've been with for 32 years pulled our credit reports to screen us for a home loan. Within hours of our credit being pulled, random people/companies began texting & calling us ( so far 6 calls and 4 texts ) to solicit us in hopes of selling us their loan/mortgage product. 

One text we received at XXXX on XX/XX/23 from XXXX even read, and I quote verbatim, " Hello, this is XXXX. I'm a XXXX XXXX. I received your application. As a XXXX I'm going to beat anything you've been offered and close with 15 days. '' That's a complete LIE! XXXX never received any application from us! 

Our bank lender said this happens all the time when they run credit for customers. Our lender said that upon seeing a credit inquiry, Equifax sells the consumers information to lenders wanting to solicit people in the market for a loan. 

How can our personal information be sold/given to any outside party when doing something as personal as home loan? This is completely ridiculous. We are small business owners ... my wife was furious when her phone immediately began blowing up with these texts and phone call solicitations, while she was on the phone trying to serve a client. 

The allegedly CFPB was formed to protect consumers from deceptive or abusive practices, yet they know these absurdities are happening and do nothing about it. Think about the hours of inefficiency, miscommunication and deception these solicitations cause across millions of consumers every year... not to mention the outright fraudulent lie my XXXX example above committed, which should be pursued by the FTC and FCC.
Product: Credit reporting or other personal consumer reports

Please help me! I noticed inquiries on my report that aren't mine. This is hurting me and my family deeply. Please remove them from my credit report.
Product: Checking or savings account

Suntrust is repeatedly dropping incoming XXXX transfers in a concerted effort to charge overdraft fees. This morning I woke up to an account that was some {$300.00} in the red because Suntrust deleted the incoming transfer. I am attaching images of the payment sent via XXXX and the evidence that Suntrust has not credited it to my account- in other words they have stolen my money, again.
Product: Debt collection

Company : Monterey Financial Services Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX Summary of Violations : 1. Monterey Financial Services is engaging in debt collection activities in Illinois without proof of a valid license, which is a violation of state laws. 
2. The contract provided by Monterey Financial Services is governed by XXXX law and subject to California jurisdiction, raising concerns about the enforceability of their collection efforts in Illinois. 
3. Monterey Financial has failed to validate the debt properly, as required by the Fair Debt Collection Practices Act ( FDCPA ). 
4. No proof of a 1099-C form issuance was provided, which is required if the debt was charged off or forgiven, potentially leading to IRS violations . 
5. Monterey continues to report inaccurate information to the credit bureaus, violating the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

PORTFOLIO # XXXX THIS COLLECTIONS IS CONSTANTLY REPORTING ON MY XXXX CREDIT REPORT EVEN THOUGH IT'S A VIOLATION. 
I'VE DISPUTED THIS A NUMBER OF TIMES AND STILL COMES BACK VERIFIED PORTFOLIO # XXXX SHOWS A PAYMENT STATUS OF 120 DAYS LATE AND PAYMENT ACTIVE AFTER PAST DUE $ XXXX ON A COLLECTION Account Type : OPEN
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a formal complaint and dispute letter notifying Transunion of an inaccurate account showing on my credit file. Under FCRA section 609 Transunion had 30 days to investigate and either verify and validate the account or remove it from my credit file. Transunion has now exceeded and surpassed the designated time frame given under federal laws and FCRA guidelines. The account in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> To : XXXX XXXX Transunion Subject : Notice of Inaccurate Reporting and Request for Removal of Unverifiable Accounts Dear [ XXXXTransUnion ] XXXX I am writing to inform you of the results from my recent dispute with XXXX regarding XXXX charge-off accounts that were previously reported on my credit report. Following my dispute, XXXX conducted a thorough investigation, which concluded as follows : XXXX XXXX XXXX XXXX XXXX {$21000.00} Investigation completed on XX/XX/year> ; account was deleted from my XXXX credit report. 
XXXX XXXX XXXX {$2000.00} Investigation completed on XX/XX/year> ; account was deleted from my XXXX credit report. 
Given that XXXX determined these accounts to be unverifiable and subsequently removed them from my credit report, I am requesting that you review your records and remove them from my credit report as well. Their continued presence on my credit report may violate the Fair Credit Reporting Act ( FCRA ).

Consumer Rights and Legal Obligations Under 15 U.S.C. 1681i, credit reporting agencies are required to ensure the accuracy of the information they report and must remove or correct any unverifiable information. The deletion of these accounts by XXXX indicates that they were found unverifiable. As a result, your agency is obligated to remove these accounts to comply with the FCRA. 

Action Required I am requesting that you perform a review of these accounts and remove them from my credit report if they can not be verified. Failure to comply with this request may constitute a violation of the FCRA and could subject your agency to potential legal consequences as outlined in 15 U.S.C. 1681n and 15 U.S.C. 1681o, which provide for actual or statutory damages and attorneys fees for willful or negligent violations.

Timeline for Compliance In accordance with 15 U.S.C. 1681
i ( a ) ( 5 ), please ensure that these unverifiable accounts are removed from my credit report within 30 days from the date of this letter.

Request for Confirmation I request that you provide written confirmation by [ insert a date 30 days from the date of this letter ] that these accounts have been reviewed and removed from my credit report. If you do not remove them, please provide a detailed explanation of why they remain on my report.

Attachments Copy of XXXX written confirmation of account deletions. 
Any relevant supporting documentation related to this dispute. 
Thank you for your prompt attention to this matter and your commitment to ensuring the accuracy of the information on my credit report. I look forward to your response. 

Sincerely, XXXX XXXX [ Your Signature ( if sending a hard copy ) ] Enclosures : Copy of XXXX deletion confirmation Relevant documentation
Product: Credit card or prepaid card

I requested a balance transfer on XX/XX/2023. Rather than transferring the balance directly, the credit card company issued a check. The check never arrived. I was told several different stories about where it was and there wasn't any consistency in the explanations however the balance of {$7000.00} was added to my account the day I requested the transfer. 

Now, as of XX/XX/2023 and many calls to attempt to resolve the issue, I have closed the account but the agency doesn't appear to be willing to settle the dispute. Meanwhile, I have been carrying the debt, interest, and transfer fee on my credit report which has lowered my score. 

The customer service department keeps stone walling the process by continuing to tell me the check is in the mail, or the credit will take another XXXX days, and that they can't manually issue the credit. I am considering the possibility that they have not intention of resolving the issues, meaning I will continue to have a closed out account with a {$7000.00} balance. 

The supervisor that I spoke with today is XXXX and her employee number is : XXXX Transfer request information below : RE : Account ending in XXXX XXXX XXXX XXXX, Your balance transfer request of {$7000.00} has been received and is currently being processed. 

Please continue making minimum payments on balances transferred to keep the account current until your transfer appears on your other creditors statement ( s ). Remember that if you wish to close these accounts, youll need to contact the other companies directly.

If you didnt request a balance transfer, please call the number on the back of your cardwere available 24/7. 

Thanks for choosing Capital One.
Product: Credit reporting or other personal consumer reports

Subject : **Complaint Regarding FCRA Violations Unauthorized Reporting of Negative Items** Dear CFPB, I am writing to file a formal complaint regarding ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) by TRANSUNION, XXXX, XXXX For over [ 4/5 ] years, I have been disputing the following negative items inaccurately reported on my consumer report : Account Name/Number 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 XXXXXX/XX/XXXX Also I have some inquiries that were added to my report 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 XXXXXX/XX/XXXX These negative items were reported without proper verification or notice, which constitutes a clear violation of my rights under the FCRA. Specifically : 1. **Failure to Provide Notice** : The creditor failed to provide me with the required notice of adverse action as mandated by Section 615 ( a ) of the FCRA before reporting negative information to the credit bureaus.

2. **Lack of Proper Investigation** : Despite my repeated disputes over the past several years, the credit reporting agency has not conducted a proper investigation or corrected the inaccurate information, violating Section 611 ( a ) of the FCRA.

3. **Privacy Violation** : My privacy rights were violated as my personal information was shared without my explicit consent, contrary to Section 604 of the FCRA.
Product: Debt collection

I have been harassed by the company for the last time, I have asked them to validate all info and debt and after 90days that 's still not happened. Due to the statue of limitations I am no longer responsible ... .They called my job 12 times last week and its gotten to the point I am at my wits end ... .I need them removed from my credit report, and never to be contacted again ... PLEASE HELP ME. 
I have asked them to validate my info and they neglect to do so, backdated from XXXX/XXXX/XXXX I am so discouraged and feel like I can almost quit my job with the harrasement, its a threatening feeling to be frank. 
here are my accounts that follow : portfolio recovery ( XXXX ) XXXX Contact Address to portfolio XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX Ownership Individual Account XXXX {$1700.00} XXXX {$470.00} XXXX {$440.00} XXXX {$460.00} XXXX {$910.00} not only do they have dates wrong on when I opened my accounts they are just out of control to be exact the account they say I opened in XXXX and XXXX it was XXXX they are even reporting wrong I have not opened up any new cards with them in the last few years
Product: Debt collection

I received a letter from United Collection Bureau IncXXXX on XX/XX/2022 that I owe before mentioned company {$4100.00}. On XX/XX/2022 I have sent certified mail to United Collection Bureau Inc. to validate debt to be provided with competent evidence that I have any legal obligation to pay and requested following documents to be mailed to me : -agreement that grants collection agency authority to collect alleged debt. 
-agreement that bears signature of alleged debtor where I have agreed to pay creditor -any insurance claims made by any creditor -any judgements obtained by any creditor -name on file of alleged debtor -name and address of alleged creditor -alleged account number -amount of alleged debt -address on file for alleged debtor -date this alleged debt became payable -date of original charge off or delinquency -verification that this debt was assigned or sold to collector -complete accounting of alleged debt -commission for debt collector if collection efforts are successful. 

As of today XX/XX/2022 I have not received any requested documentation from United Collection Bureau Inc. Above mentioned collection company failed to validate debt. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. Since they did not, theyre in violation of the act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX amount of {$7700.00}. I have disputed and sent XXXX, XXXX  and TransUnion copy of court document showing that case under XXXX XXXX, XXXX was dismissed and I am to pay nothing. I also sent a police report
Product: Credit card or prepaid card

Around the month of XXXX I filed a complaint about a fraud credit opened in my name that I have never used or activated. 
Capitol One has since then closed the card and ceased collection. Although I am grateful for them operating in good faith, I recently puled my credit report and is effecting my ability to obtain credit at other businesses. 

I would like to respectfully request that Capital One remove this trade line from my credit report immediately as it was never supposed to be reported on my file anyway.
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 consumers rights to privacy under 15 USC 1681. 
XXXX XXXX XXXX Texas : Docket # 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  All the above listed has violated my rights. 
Under 15 U.S.C. 1681 s 602 ( a ), I have the right to privacy.

Under 15 U.S.C. 1681 s 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ), 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. 1681-s2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To address this violation, I request the following : A detailed written explanation of how and why my credit information was exposed. 
A full audit of my account and records to ensure no further unauthorized access has occurred. 
Corrective measures to prevent similar breaches from happening in the future. 
Compensation or free credit monitoring services to mitigate potential financial harm resulting from this breach. 
Confirmation that my credit file has been flagged for possible fraud and unauthorized use.