23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I made the poor choice of engaging John C. Heath , Attorney at Law , PLLC. d/b/a Lexington Law Firm ( referred to now as LLF ) in a contract to remove any derogatory remarks from my reports provided by consumer reporting agencies. 

The following day, I was charged {$15.00} for a credit report which is offered to me for free both by Federal regulation directly from the source. The terms of cancellation and methods of cancellation are exceedingly vague and difficult to locate within their website, the primary platform by the customer interacts with LLF. 

On XX/XX/2019, I was charged {$100.00} for credit repair services prior to see any results. As of the time of this writing, I have not received any communication from LLF or evidence of legitimate work let alone positive results. 

The claims made on their website offer services which are impossible to offer with a broad caveat that " Lexington provides the Website for your convenience '' and " any representations, promises, recommendations or inducements that may be made by or through any party ( including vendors ) found at, on, through or from the Website. '' Evidence of their predatory practices are illustrated further in the terms and conditions of the contract, only available in full once you have already paid and engaged them in work. See : " Lexington can not guarantee and you are not paying for a particular credit report outcome or result ; you are paying only for Lexingtons efforts on your behalf. '' Further, that LLF utilizes the guise of a legitimate law firm to include the prominent featuring of various attorneys throughout their front facing and back-end websites makes a mockery of the law. The implication that you might have success in repairing your credit due to case management performed by a lawyer is deliberately misleading. 

The fact that you are only able to fully assess the terms and conditions of the contract after you have paid LLF, the claims and contents of their website and their untrue or purposefully misleading representations lead me to believe they are in violation of 12 USC sections 5531, 5536 and likely many more. 

Since I am financially stable and only out {$120.00} due to the very limited amount of 'work ' performed on my behalf, I'm taking this swindling as a good lesson learned. However, many other customers may not be so lucky. As such, I am submitting this complaint primarily to warn others who may be less financially secure or perhaps desperate for help from falling victim to LLF.
Product: Credit reporting or other personal consumer reports

I have credit inquiries on my credit report that I do not recognize and I will please like them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previous XXXX  Loans that are in the process of being dismissed due to me not having a Highschool diploma at the time of me getting my student loans ( Ability to Benefit ) I had 3 Sub & Unsub loans through XXXX XXXX which switched to XXXX. Each Loan had 11 Late Payments which totaled 33 Late Payments across the board. 

I was informed to consolidate the loans since they were being investigated, I informed the bureaus that the loans where not reporting correctly and XXXX  has deleted the closed out account while XXXX & Equifax has not followed suit.

Since everything on my report should be reporting accurately how is it that a account can be deleted by one company and not another. I demand that XXXX  AND EQUIFAX FOLLOW SUIT AND DELETE ANY CLOSED XXXX  ACCOUNT FROM MY CREDIT FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

This falls under a breach of 15 US Code 1681s-2, which outlines the obligations of entities providing information to credit bureaus. They failed to furnish me with prior written notice regarding the account before including it in their report. Consequently, I insist on the removal of said account from my credit report due to my disagreement with the alleged debt.

Furthermore, their actions run afoul of my rights as specified in 15 U.S. Code 1681b ( 2 ), which delineates permissible purposes for consumer reports. They reported the account without my authorization and misused my social security information. Thus, as a victim of identity theft, 15 US Code 1681c-2 obliges the blocking of such information unless I explicitly grant permission in writing.

According to 15 US Code 1681a ( 4 ), consumer reporting agencies are bound to uphold my privacy rights. Regrettably, your organization has breached my consumer privacy by publicly disclosing this data without my consent.

I urgently request the immediate removal of this account from my credit report.
Product: Mortgage

My husband is in the XXXX and recently found out that due to military cutbacks, he will lose his job this summer. Knowing this, we contacted XXXX ( XX/XX/XXXX ) to let them know we would n't be able to purchase their home. The VP of XXXX said we were under contract and since he had a job now, we had to purchase the home. I explained to him ... as per our purchase agreement, I had to proceed with good faith and let NVR Mortgage know that our financial situation had changed. He said I did n't have to let the lender know because my husband was currently employed and that I had to close on the home. But I had a legal responsibility to let the lender know as well as a financial responsibility to our family not to incur a mortgage debt knowing we had no means to pay for it. I contacted NVR Mortgage to let them know of the situation. The NVR Senior Processor asked for a letter from my husband 's place of employment that verified his last day of work ( XX/XX/XXXX ). I provided this letter to her via email attachment on XX/XX/XXXX. Since then, neither the NVR Senior Processor nor anyone at XXXX has returned our phone calls or emails. I called other mortgage companies to make sure we were following the correct procedures. We were told that based on my husband 's employment ending this summer, we would not qualify for a loan and the lender should have provided us with a denial letter. The denial letter would then go to the builder so we could get our deposit back. We are so heartbroken over this situation. The military cutbacks are a hard reality to deal with alone. But now this lender is ignoring us because they work for the builder. Your help would be greatly appreciated. What can we do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Debt collection

I was unaware of this debt until it appeared on my credit report as a collections account. I had co-signed a lease for someone over two years ago, and they defaulted on the lease agreement in XX/XX/XXXX. The property management company sent this debt to IC System in XXXX of XXXX. There was no communication from the property management company or the debt collection company, and the only way I was made aware of this debt was once it negatively affected my credit score by going to collections. When I contacted the debt collection company, I asked why there was no attempt at correspondence, which they refuted by saying they had sent me two text messages, one on XX/XX/XXXX and one on XX/XX/XXXX, neither of which I have records of. Even if these text messages were sent and I some how missed them, the extremely little effort put into attempting to inform me of this debt makes the whole situation seem suspicious. I have dealt with debt collectors in the past, and they called my phone almost daily, sent letters in the mail, and sent emails. Compared to that, this was extremely poor communication. I am fine with paying a debt that I am legally responsible for, but the fact that I was not made aware of this debt until there were negative remarks sent to the credit reporting bureaus is atrocious behavior. I attempted to call the debt collection company back today to settle the debt so I could get the negative remarks removed from my credit report, but apparently now my account has been transferred to an, attorney, and they would not tell me why this was the case. When one of the agents tried to transfer my call to this supposed attorney, I was automatically transferred to an automated menu referring to, Service Repair Contracts, which makes absolutely no sense. Now I am waiting to hear back from this so called attorney in order to make forward progress with paying off this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer in fact, opted out of sharing my personal and private nonpublic information from Equifax. I sent Equifax a " Privacy Opt Out Notice '' on XX/XX/2022. Equifax has been fraudulently disclosing my personal and private consumer information without my consent, which includes the six accounts listed on the notice. I am requesting immediate deletion off of my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and Equifax is reporting a XXXX delinquent account on my credit report and this is not mine. I have filed out 2 FTC reports and have asked Equifax to validate this debt as I believe my identity as to be compromised as I was exposed on the dark web breach of XXXX  and they have yet to respond back to me. They claim to have removed it however, nothing changes to where it gets put right back on with no investigation results being sent to me or explanation on to what this debt is or where it came from. Please see all the following documentation attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to open a bank account couldn't because of identity theft I can't get a bank account, can't get a replacement social security card, can't even get a direct deposit from past jobs so they got ta bend their rules to pay me in cash, can't get new jobs cause you need a copy of social security card on interviews, can't get loans or grants because of all the accounts and loans took out for houses cars boats etc. On my credit files and reports that I haven't even started so what is a person to do when your whole life is being ran fraudently by Government officials Judges, Cops, And Federal Government people Even Child Protective Services out of Ohio is a part of the nationwide scandal, starting fraudulent child support cases on my name social security number and account and I want a vast investigation going on and prosecutions of people all the people who are involved whether they are everyday people government foreign or domestic. I can't even live my life cause all the XXXX XXXX going on, yes im reporting on all of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have requested to get me the proof that this is my account? So far Answer from XXXX XXXX or from Experian is only for one item which was deleted but same time another account there is no report and still showing in my report. 

I am shopping for a Used car and now having a tough getting a car loan approved as Experian decreased my FICO Score by XXXX XXXX Unable to write to them or call them There Calling center is closed. only one issue has been resolved report XXXX XXXXXXXX for XXXX XXXX XXXX What happened to another discrepancy for the almost same amount from XXXX XXXX? My complain was for both items to be deleted or proof to e provided. 

So, this report stands on my Credit report, now every other Credit agency XXXX XXXX and XXXX also lower my Fico scores. Please- please do something and help me. You are the last hope. All I need the proof that this is my account. Why would not they give me the proof meanwhile XXXX XXXX keeps increasing my Credit Limits? Mindboggling? Respectfully, XXXX XXXX
Product: Debt collection

C ompany placed this on my credit report and I do n't know who they are as all my student loans a re handled through Dept. of Education.
Product: Debt collection

Hello, I am an individual realtor in XXXX, PA that was eligible for the XXXX 'S XXXX Loan. I applied through Citizens Bank and was approved for {$20000.00}. The documents submitted to apply included tax returns and other financial documents clearly outlining the income for the previous year ( s ). All funds were used as directed by XXXX to be able to apply for full forgiveness, such as payroll. Citizens has deemed that only {$9200.00} of the loan is eligible for forgiveness. 

After making MANY attempts to email and speak with Citizens I have not had emails returned, calls answered or any communication from Citizens. I have spent hours on hold, have been hung up on by representatives, emails for information and requests to have the Office of the Chairman call to sort this out have gone unreturned. I've requested several times to have the forgiveness about reviewed, to no avail. Citizens has been non-responsive and I am caught in a black hole. 

Citizens has unexpectedly debited my account at XXXX XXXX times without my permission. Taking well over a thousand dollars, twice without notice or approval. 

The XXXX has advised me that this lender is not registered with the XXXX 'S direct forgiveness system. The lender is not making any effort to review the forgiveness amount, they seem to be counting on benefiting from issuing the XXXX loan and not forgiving loans that are eligible for 100 % forgiveness according to the XXXX. Had I known about Citizens business tactics I never would have worked with them. Their business practices are unforgivable and should be better regulated. 

Citizens has sent a demand letter seeking full payment of {$11000.00} due within 10 days. I have emails, screen shots, and phone records showing many attempts to communicate with the lender, but they are non-communicative. A complaint has also been issued through The Office of Comptroller of Currency.
Product: Credit reporting or other personal consumer reports

i am writing to formally dispute unauthorized inquiries on my credit report which resulted fron identity theft. i did not authorize these inquiries, nor did i apply for credit or services with the companies that access my report. I request that these inquiries be removed to prevent further damage to my credit profile. XXXX nquiry Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts and inquiries are reporting to my account that i'm not familiar with! XXXX really concerned about these on my credit profile!
Product: Credit card

Complaint Regarding Deceptive and Confusing Practices by Best Buy Credit Card XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Best Buy 's credit card ( issued by Citibank ) due to what I believe are misleading, confusing, and unfair practices related to their promotional balance offers. 

In XXXX, I paid off the entire balance on XXXX of my promotional accounts. Unfortunately, I did not take a screenshot of my account showing the balance as paid at that time. To my surprise, in XXXX, I was charged over {$1000.00} in deferred interest on that same promotional account. I contacted customer service, and after much effort, they agreed to reverse the interest charges. However, they required me to send an additional {$500.00}, even though I had already paid the full promotional amount on time. 

More recently, I had another promotional balance set to expire on XX/XX/year>. I took special care to pay off the entire balance before XX/XX/year>, and this time, I saved a screenshot showing a XXXX balance on that specific promotional account. 

To ensure that the payment was correctly applied, I used the allocation function, which, according to their system, first applies the payment toward minimum amounts due across all balances, and then applies any remainder to the designated promotional balance. I did this because Best Buys system otherwise applies payments to lower-interest or smaller balances first, not to the balances closest to expiration, which defeats the purpose of planning for these promotional terms. 

Despite my effortsand after making a {$1000.00} payment toward that specific balance on the last statementI was shocked to see that {$780.00} in deferred interest was added to my account. I called customer service again, but was told there was nothing they could do and that this is how the system works. 

I find these practices not only deeply frustrating but also misleading and abusive to customers, especially those who are doing everything possible to comply with the terms. It appears that Best Buy 's credit card system is designed to obscure the rules around promotional balances, penalizing consumers despite timely payments. 

I respectfully request that the CFPB investigate this matter and look into the application of payments, promotional balance terms, and whether these practices comply with fair lending and consumer protection laws. 

I am happy to provide documentation including screenshots and payment records upon request. 

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

XXXX XXXX XXXX and eastern account system still posting derogatory marks on my credit report after they agreed to remove. I have filed chapter XXXX. These companies have received my discharge orders.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is not following reasonable procedures to assure maximum possible accuracy of information concerning the individual to whom the report relates. 

My rights to privacy is being violated in that consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company never contacted me, or wrote me a letter, they opened a derogatory remark on my credit report using dates that are not possibly accurate. It is collection over a hospital bill and I have not been to the hospital in over 3 years yet they list a date this month, that is re-aging and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding my XXXX XXXX XXXX XXXX XXXX credit card. 

XXXX has sent me a statement validating the account was never past due. 

Experian is showing this account was 30 days late as of XXXX of 2021. 

The account was opened on XX/XX/2021 - the XXXX payment wasn't due until XX/XX/2021 - therefore it was impossible for the account to be past due in XXXX of 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX have 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.
Product: Debt collection

In 2007 the credit card company filed a court complaint against me for monies owed. XXXX law firms later, the latest attorney contacted me for settlement, and I counter offered. 
Today this law firm has gone into my personal checking account and withdrawn a sum of money, I presume in attempting to start a payment process. 
I did not agree to this amount nor did I give them access to my account, or know anything about any possible withdrawal.
Product: Credit reporting or other personal consumer reports

I reached out to the company several times about inaccurate reporting on my account, and I provided proof of my lease ending. They are trying to say I owe XXXX rent, but my lease was up XX/XX/XXXX, and I left the apartment the beginning of XXXX and did a full walk through with the Maintenace men and paid XXXX rent in full. I also provided them with everything they asked for to verify that the information was incorrect, including a police report, because of constant break ins at the apartment. I asked for verification on their end, and I haven't received anything or heard anything back. This been on my report for 5 years incorrectly and it's affecting me from getting another apartment with false reporting from them. I have disputed this matter and requested verification on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX on XXXX XXXX. I have sent letters to them XX/XX/XXXX and XX/XX/XXXX. I sent emailed proof again this year on XX/XX/XXXX, and they said they didn't receive it, so I sent it again XXXX XXXX. I still haven't seen or heard anything.
Product: Debt collection

Unifund CCR Partners allege that I owe XXXX from over 20 years ago, though XXXX has never had an account in my name ... Ever. XXXX NEVER contacted me and one would think that for this amount of money, they would have. Now that I am trying to sell our home, all of a sudden I have a judgement against me blocking the sale. They can not, or will not, produce a single piece of evidence regarding their allegations. No contracts, no signatures, no receipts. Somehow they managed to have a court approve a judgement without any proof twenty years ago. I was never served any papers, nor contacted in any form. I have bought and sold threXXXX houses, qualified for mortgages, secured auto loans, etc. Never once in that time has anything appeared on my credit reports. Unifund CCR has an unfortunate reputation of conducting this type of nefarious unprofessional business. We need to sell our family home and move. I take care of my special needs younger brother, and I am partially physically XXXX. This is unconscionable to allow this sort of unethical behavior to prevail. Show proof, or drop this matter now. 
P.S. In yesterday 's mail, I received an offer from XXXX to open an account, and they will pay me {$200.00} - {$2000.00}. Does that sound as if I owed them money?