23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello I had water damage, and the insurance paid the claim. I signed the insurance check over to PHH for the repairs. The work has been completed now PHH will not release the funds of the check I signed over for the cost of the repairs. The contractor did the work, and I do not have the money to pay, and PHH is holding the money. I call PHH and get put on hold, with no payment to the contractor. This keeps me up at night. 
Thank you for your help.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you have broken law. You are unlawfully reporting unauthorized accounts on my consumer report that has violated my federal protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given permission to furnish anything on my credit profile. You have violated me pursuant to 15 USC 1681 ( b ), the permissible purpose of my consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to Aggravated Identity Theft pursuant to Title 18 U.S.C felony punishable 102BA. You have knowingly transferred, a felony punishable with up to 2 years of imprisonment, in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692g. My instructions are for you to delete these accounts immediately. 

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
Product: Debt collection

Last year I was solicited by a XXXX XXXX Representative at a XXXX location for a quote for internet, phone, and TV services. I explained I did not want services as I had just moved in the home and would quote competitors. I provided my name and phone number only. This " gentleman '' went on to use a FAKE / FRAUDULENT SS # as well as setup an installation for that following week. I came home to an installed service that I never once asked for. 

Upon calling XXXX XXXX support, they had a hard time verifying my information beyond my name because of the fake information input, including SS, email, and pin. This is reflected in the notes of XXXX. ( I just spoke with them. ) XXXX XXXX agreed to remove all liability on my account {$100.00} once their equipment was returned. I returned their equipment as confirmed by the representative ( XXXX ) i just spoke with. 

I am unsure why Convergent has this 'debt ' since not only do I not owe it, but the contract was null and void the day the service began. I was paying month to month, and fell behind only when the services they promo 'd me for my 'inconvenience ' were not removed ( XXXX/TV ) and I was billed for them. According to the representative there is extensive notes from the beginning explaining all of this. My account with them was settled completely as of the date of Convergent purchasing my debt for less than {$10.00}. ( XX/XX/2018 ) - More than a year and a half after closing that account in good standing.
Product: Credit reporting or other personal consumer reports

This company is reporting XXXX fraud inquires on my credit report, they sent a verification letter saying XXXX applications were completed over the phone however I am a victim of identity theft and will attach a picture of the mans face and name that has been using my name to apply for things and drive XXXX and other things fraudently he does not live in the same state as me so my local police cant do anything. I also did a FTC report my signature or identification is nowhere on the application I stay local I would have not needed to try or apply for a vehicle over the phone.
Product: Credit card

Background : I received a pre-approval letter from Citi Bank to apply for a XXXX XXXX XXXX XXXX. I proceeded with the application, and it was initially accepted. However, Citi required additional identity verification before completing the processing of my application. 

Upon request, Citi only accepted a U.S. passport, XXXX XXXX, or voter registration card for verification purposes. I provided my Employment Authorization Document ( EAD ) as I am legally present and authorized to work in the U.S. I also inquired about alternative ways to verify my information, but my email inquiry was ignored. Instead, I received a mailed letter about a week later stating that my application was denied because the information provided was insufficient for verification. The letter reiterated that only a U.S. passport, XXXX XXXX, or voter registration card would be accepted. 

Support Center Interaction : I called Citis customer service and asked a direct question : Am I correct in understanding that this credit card is only available to U.S. citizens or permanent residents? Instead of a clear answer, the representative asked about my XXXX  status in the U.S. I responded that I am lawfully present in the U.S., but this was not considered sufficient for verification. When I mentioned that I have Temporary Protected Status ( TPS ), the representative requested proof.

I subsequently provided my I-797A Notice of Action confirming my I-821 TPS approval along with my I-94 form via email. After another week without a response, I followed up with another call. At that point, I was informed that Citis legal team determined that they do not accept any documents other than a U.S. passport, XXXX XXXX, or voter registration card for verification and that no exceptions were possible. 

I asked if our calls were recorded, and the representative confirmed that they were. 

Concerns and Potential Violation : Discriminatory Lending Practice Citi appears to be denying credit based on XXXX  status despite the fact that I am lawfully present and authorized to work in the U.S. 

Limited and Arbitrary Verification Process Citi does not appear to have a legitimate business justification for refusing to accept federally issued employment authorization and TPS documentation as sufficient identity verification.

Lack of Transparency Citis terms and conditions for the XXXX XXXX XXXX XXXX do not state that it is only available to U.S. citizens or permanent residents. If this is their policy, they should disclose it upfront instead of applying it selectively.

Potential Violation of the Equal Credit Opportunity Act ( ECOA ) ECOA and Regulation B ( 12 C.F.R. 1002.6 ( b ) ( 7 ) ) prohibit discrimination based on national origin and immigration status unless a creditor can show a legitimate, nondiscriminatory reason for its policies. Citis refusal to verify my identity with common DHS-issued documents may be discriminatory and an example of disparate impact against non-citizens.

Failure to Respond to Reasonable Inquiries My email inquiries about alternative verification methods were ignored, and I only received generic denial letters without clear reasoning.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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
Product: Credit reporting or other personal consumer reports

I have sent proof and documentation along with personal letter of explanation to all three credit bureaus. XXXX, XXXX and Transunion. The proof and documentation of the credits was resolved, paid in full including late fees and satisfied, but XXXX and Transunion has not updated my account since XX/XX/XXXX. This not fair reporting and definitely not accurate information. 
XXXX through XXXX my wife filed for legal separation. My world was torn apart. This when I hit a hardship. I tried at that time to communicate with the all the creditors and credit bureaus, but they wanted payments and was interested in my personal situation. Constantly calling from the creditors and collections agencies. 
So I made a decision to sell my to satisfy all persons involved. 
I sold my home and the proceeds was used to pay of negativity with paid satisfied including late charges. XXXX XXXX XXXX XXXXXXXX handle the transactions. Yes, I proof that they paid and satisfied. Still showing on my credit reports with XXXX and Transunion.
Product: Credit reporting

I called and spoke with an Experian rep to put in a dispute against inaccurate information on my credit report, against XXXX XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX. Both are in a collections status for the same account, so they are duplicates of each other. Neither accounts are mine. I explained that to the rep and referenced my XXXX acct that was in good status, paid and never late, acct # XXXX ( see attachment ). I opened that account in XXXX 2006 and closed it some time ago. 
The Experian rep said I was added to the good status account by another cardholder, but could not tell me who. She was incorrect. I was the primary cardholder for that account and asked her to send proof of my being a secondary holder. She vowed to investigate with hesitation. 
When I received an updated credit report, after the dispute, my good standing account for XXXX ( XXXX ... ) was deleted from the report and the two negative accounts that duplicated themselves, XXXX XXXX ( XXXX ) and XXXX ( XXXX ) still remained. Experian sent no expalantion, no documentation, abused their powers and adjusted my credit report as they saw fit. 
Experian needs to delete the XXXX negative accts of XXXX XXXX and XXXX ( XXXX ... ) and add the good acct of XXXX ( ( XXXX ... ) back to my credit report.
Product: Debt collection

I am getting repeated phone calls from Northstar Location Services, a debt collection agency, to my cellphone number that is registered with the Do Not Call Registry for over 10 years. I called from a landline phone to identify the number that was unknown to me. I was the victim of identity theft in XXXX XXXX reported it the police, and had all my credit frozen with the 3 credit bureaus at that time and have never unfrozen my credit. I have reviewed my credit bureau accounts and there is no notice of unpaid debt as no business or individual has ever sent me, in writing or any other way, a notice of collection for any unpaid bills. The numbers they usually call from start with area code XXXX followed by XXXX and then various 4 digit numbers. I have nothing in writing to dispute, but I enrolled in XXXX XXXX in XXXX, to try to stop these fraudulent uses of my SSN to get credit cards, loans, XXXX, XXXX and brokerage accounts. All of those matters were resolved and no one ever got away with anything. I want them to stop calling my cellphones and to let them know that I will be filing a complaint with the FTC as well. I don't know if Northstar, and XXXX XXXX  are affiliated or not, but these are the numbers that Northstar, and XXXX XXXX have been using to call my cellphone XXXX XXXX XXXX XXXX XXXX XXXX 
The number appears on my cellphone at time as XXXX XXXX XXXX XXXX XXXX, or no identifier. Northstar or XXXX XXXX never appear as the identified number. The call started around XX/XX/XXXX and continue on nearly daily basis and sometimes multiple times per day. They never leave a voice message or identify who they are or why they are calling.
Product: Student loan

Last year XXXX the Department of Treasury was holding money out of my XXXX check and then stop around XXXX of XXXX. I called them and was told that my student loans where paid off, i asked if there was any more student loans. I was told no that they did not have any more loans. I was inform to call PHEAA and US Department of Education and ask both companies if I had any more student loans, they said I did not have any more loans. XX/XX/XXXX I received a Letter saying that I had 2 more loans from PHEAA to pay. So I called them and ask where the 2 loans came from, and that i want copies of the student loan. I was told that they did not have any paperwork for the loans. Ask how come they sent my a bill and not have paperwork for the loans. Then I said it bs that after i got the 3 loans i had paid off that 2 more loans magically appear from no where. This not the first time this has happen. I want to get this inspected and resolve before it is sent to credit agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Payment never late RemoveXXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX XXXX  Account Dispute Reason Selected Edit Payment never late plus icon Add Another Item to Dispute
Product: Debt collection

You contacted me By mail on XX/XX/year>, and identified the debt in the amount of XXXX. I do not have any responsibility for the debt youre trying to Collect. I have never had an account with HARRIS & HARRIS LTD. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that.
Product: Credit card

On XX/XX/XXXX, I applied for and was approved for an American Express Gold Card. I promptly met the required spending threshold of {$6000.00} within the specified period, expecting to receive the associated welcome bonus. 

Upon reviewing my account on XX/XX/XXXX, I noticed that the welcome bonus had not been credited. I contacted American Express customer service, and was informed that I was ineligible for the bonus due to a previous application for the Gold Card in XX/XX/XXXX. 

In XX/XX/XXXX, I expressed interest in the American Express Gold Card by clicking on an online offer. However, I did not complete the application process, make a decision to proceed, nor did I receive the card. Instead, during that period, I was approved for a XXXX XXXX. It appears that American Express 's records mistakenly indicate that I applied for and received the Gold Card in XX/XX/XXXX, which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/1973 XXXX XXXX XXXX XXXX XXXX Ss # XXXX Credit Bureau XXXX Experian I need you to investigate the following accounts XXXX XXXX account # XXXX XXXX XXXX  account # XXXX In accordance to the fair credit reporting act Experian has violated my rights by reporting my accounts as late. 
15 USC 1681 Section 602 States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2 : It alsc 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 Any open end consumer credit plan as late for Any purpose.
Product: Debt collection

i am writing this complaint about cawley & bergmann llc. debt collections. 

in XX/XX/XXXX i was contacted by them about a debt that i can't confirm the total if i own or not, They informed me i could get a discount if i agree to pay XXXX which XXXX up front with high pressure to come up with that amount. to get discount and XXXX a month auto withdrawal every month. i agreed cause i ran out of time to find the amount i may have owned before the discount would end. i paid XXXX on XXXX by direct withdrawal and then XXXX started the XXXX a month auto withdrawal.. the pandemic hit but i made sure the money was in the account. XX/XX/XXXX came around and i receive a email that i breach the contract and i own the full amount that i still cant verify. i called them and they said that XXXX payment wasn't received. i checked my account and no auto withdrawal was not made in XX/XX/XXXX, i said that money was in the account and asked what happened and was told i needed to make the payment myself, that auto pay was termed on XXXX. i said who did that i didn't and they said i only agreed to 12 payments. then the high pressure is applied again again with the how much money you can come up with how and we will see, they wanted the whole thing really. all XXXX now or else. i said why did the auto withdrawal stop and was told that i only oked 12 months, i oked it until it was paid off. i checked my emails and didn't receive anything stating that auto withdrawal was ending. the only email i did receive was that they were starting collections proceedings due to my breached of contract, they know i am a busy person and that was why auto pay was setup to begin with by them and what they wanted, i didn't look to see what was going on cause i am busy with all that is going on i though that all was being taken care of. 


then they were like what about your taxes and all other kinds of questions to get all they could at once. i called them on it and was given the run around about that it was all me. 

They stopped the auto withdrawal so that they could redo the same thing they did before and get a big amount of money which was XXXX this time per them and XXXX a month until the XXXX ballance from the first agreement is paid. i don't even know if that money i am now paying is going to the loan account or if they did this to send the new auto pay to another account and the original debt is already paid. 

why do they just stop taking auto payments before a debt is paid. why didn't i get a email to that fact? they stopped the payments and i think its all a game with them. they have caused hardship and such
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXXXXXX XXXX XXXX to validate this account ( A ). I hope this disputed account is updated, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus reporting inaccurate information with serious violations of Federal Truth in lending Act and FTC law. 

Causing financial injury and economic hardship. 

Explainable attachment included.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter over 60 days ago to this bureau and they are disregarding a regular consumer dispute.
Product: Bank account or service

HSBC had a promotion where they would pay out {$350.00} to new checking account customers who made bill payments in 3 consecutive months to two different billers. Due to an error on HSBC 's part, my XXXX payment was not processed and I was advised that I could make a payment in XXXX and still qualify. After calling in XXXX, the CSR confirmed that I had met the requirements and I was told to wait 6-8 weeks from the qualifying transaction ( on XXXX XXXX ) for the bonus to post. The bonus still has not posted, and the customer service representative said they were still " working on it. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit repair company XXXX completed a credit repair on 4 accounts that were already closed accounts and showing as closed on XXXX credit report. 
The accounts were from the following creditors ; 1- Chase 2- XXXX XXXX 3- XXXX XXXX 4- XXXX XXXX XXXXXXXX After the dispute was completed these accounts which were charged off and closed prior to the dispute are now all showing open. 
This change from closed to open devastated my credit scores and resulted in me not being able to purchase a home due to XXXX reporting. 

I attempted to contact XXXX to inform them that their report is now showing charged off accounts as now open and this needed to be fixed. 

XXXX was very difficult to get in touch with and I was hung up on by many representatives in getting this issue resolved ( believe due to poorly trained associates ). 

I explained to the supervisors on XXXX and XX/XX/2021 that I couldnt understand how is it possible for all 4 creditors to all of sudden update all of these previously closed and charged off accounts to open status.? 
However, all of the representatives at XXXX insisted I had to open another dispute with all 4 creditors to update the account statuses back to closed. 

I also spoke with a manager at XXXX on XX/XX/2021 and asked if they could assist me in calling the creditors to validate the accounts as being closed but they refused to assist in this way and they informed me that Ill have to wait until the dispute resolve which could take up to 30 days. 

I also contacted all 4 creditors and they informed me that they were reporting the accounts as charged off and/or closed and that I needed to speak with XXXX. 

As a consumer, it is very frustrating and detrimental to my financial future when creditors and credit bureaus dont reflect accurate information and the consumer is caught in the middle with delays after delays and more delays. 

I am also considering legal action against XXXX for this issue. 

I also advised XXXX that XXXX XXXX data was accurately showing these 4 accounts on XX/XX/2021 as closed, so why is XXXX correct but not XXXX???
Product: Credit reporting or other personal consumer reports

XXXX has been on my credit for 6yrs making my credit score and chances of improving it are extremely hard. Also capital one is all hurting my chances of strengthening my credit after being paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I authorize these companies to pull my credit. Please remove them.