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

I stayed in XXXX XXXX XXXX. Upon checking into the first room we noticed there were Hairs on the floor and the tub did not work. My XXXX  went down to the front desk and they offered to move us. We moved the next day as the new room was not ready until XXXX ( XX/XX/2021 ). Upon checking into that room we walked in the the cabinet door was falling off we were traveling with our XXXX yrs XXXX so it was a big safety concern. We contacted once again the front desk and they stated they would send someone up ASAP, that never happened. The engineer stated on the phone it was a cabinet guy issue and he was got for the day then the engineer stated is not his job, this was on the phone only they never came to the room. Later the night I attempted to take a bath and the tub was backing up into the shower. I called and they once again said they would send someone to fix it, that never happened the whole time we were in that new room you could not use the hot tub. Upon check out the front desk XXXX stated we would not be charged for the room. We arrived home in XXXX and noticed they in fact charged my credit card which I never signed nor authorized was charged. The room was always under my XXXX XXXX name. I gave them my card to move to the new room just for a hold not to charge me, I also questioned it upon check out and was told it would drop off, it did drop off and I locked my Capital One card but Capital one still allowed a charge to post a few days later. I contacted Capital one immediately and disputed the charge. They received a rebuttal from XXXX showing the invoice which does not have my signature on it. Capitol One required I supply several documents which I did and still will not refund my money. I have spoken to several supervisors at Capital One the last one I spoke to was Operator XXXX who stated to contact XXXX and deal with them. I have attempted on several occasions to rectify this issue with XXXX and Capital One with no success. I am requesting this be investigated and a full refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX, XXXX XXXX Balance {$1600.00} XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry : XXXX
Product: Debt collection

Over 30 days I sent the attached letter to Columbia Debt Recovery requesting Debt Validation and Debt Verification. It was sent via US mail. They did not respond at all. 

I filed disputes directly with XXXX, XXXX, and XXXX. Their response was as follows : Investigation complete, reported by the debt furnisher, this item remained unchanged from our processing of your dispute in XXXX XXXX. Columbia Debt Recovery Collector provided absolutely no documentation, proof, or supporting evidence ( as Ive requested ) to verify the legitimacy of this debt, explain, or validate the results of their baseless and empty investigation. The alleged debt is totally fraudulent and the information reported to the Credit Bureaus is false. I do not owe this money. 

For these reasons, Im submitting a formal complaint with the CFPB against Columbia Debt Recovery. I've included a copy of the letter I sent them requesting DEBT VALIDATION & DEBT VERIFICATION which they never responded to. Columbia Debt Recovery must respond to ALL of my questions and provide ALL of the details I've requested in my letter. Only then can the Credit Bureaus fairly and accurately determine the outcome of their investigation my dispute.
Product: Mortgage

On XX/XX/XXXX, I recently got out of the military with nowhere to turn, no home, no job, nothing. My wife and I went to search for a home for our family and decided to go with XXXX XXXX  in XXXX as we used them for our first house in XXXX. First, they messed up our contract and had to redo it because they designed two homes the same, then they lied about our permits being pulled and blamed it on the district of XXXX. I went to XXXX and they had our permits ready to be picked up and paid for. Even after I went to the main office and gave them a piece of my mind, they kept coming up with excuses. They even had houses that weren't even prepped, up and ready before ours was even a thought. 

To add to that, their preferred lender Pentrust, and their employee XXXX XXXX lied and fabricated our loan application stating that as an XXXX XXXX XXXX with XXXX dependants, I was making {$90000.00} when I was nowhere near that amount in my previous position and title. I just recently got a position, however, as a XXXX XXXXXXXX, and my yearly calculated salary is XXXX. When I got out of the XXXX, my wife reached out the XXXX and tried to explain to him that I am no longer on XXXX XXXX and he never returned any of her calls, and when asked about it he denied it. 

When I confronted them on their lies, he kept telling me that I didn't qualify for the loan because of the VA regulation and that I was not making enough, when I in fact, called and spoke to the underwriter, and the Loan Processor at the VA and all parties said that it is not true what XXXX was saying. They even went on to say that they never laid eyes on our contract, and no appraisal was ever attempted. As a veteran of 15 years of service, XXXX deployments, with XXXX issues, bXXXX XXXX, XXXXXXXX XXXX, XXXX, and everything else under the sun, my family and I should never be treated like this. 

No veteran who paid their dues should ever get this mistreatment and they need to pay for their lies. We are living in a rental with the lease ending on the XXXX of XXXX and we have no home to go to because of them. We were truly depending on the completion of this house and now we have nothing. My XXXX has a birthday on the XXXX of XXXX and we have to hustle to find a house so she can spend her birthday. 
They need to feel what we are going through and they need to pay for their messup.
Product: Debt collection

On XX/XX/2022, I sent XXXX XXXX, an employee of XXXX XXXX, a written notification In the form of an email stating that I would not be renewing my lease cited for XX/XX/2022. Per the leasing agreement, if the number of days is not filled in [ sic ], a renter only has to give the complex thirty days ' notice. Based on this criterion and the written, I satisfied that requirement. ( see Appendix A. ). I do not owe the amount, making your collection activities illegal. According to the Fair Credit Reporting Act, 1006.18 ( c ) ( 1 ), debt collection agencies must not use false or deceptive means. A failure to thoroughly read and analyze the rent ledger to attain a debt for pennies on the dime in the hope of making a profit from a distressed victim is unethical and inhumane. I demand the immediate removal of the collection account from my credit report.
Product: Student loan

I am in the process of purchasing a home and my student loan payments are showing 90 plus days late but it not showing any 30 days late. You cant be 90 days until you are 30 and 60 days late. I would like my payments posted correctly. I am trying this first before paying someone hundreds of dollars to do this. I had loans with the Department of Education and Navient now and they are both reporting incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Dear Sir or Madam/To Whom It May Concern, On Today I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in 2022 ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items I am disputing. I never opened an affirm account. I never opened an XXXX account. I never opened an XXXX account. I never opened account called XXXX XXXX XXXX. Please update CONSUMER PORTFOLIO SVCS. INC we brought current so please update this asap. We updated XXXX XXXX XXXX XXXX with a loan modification/settlement. Please correct my credit report by law you must report correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this regarding the unauthorized inquiries I found on my Credit Report. The last dispute I sent to the Credit Bureaus was XX/XX/XXXX but I received nothing from them. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, Experian, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and FCRA section 605b, and continued to report unverified information without providing any proof required by law. The XXXX Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX Inquiry Date XX/XX/XXXX XXXX-XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX I XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX/XXXX  Inquired on XXXX XXXX, XXXX
Product: Credit card

Indigo Mastercard also previously known as genesis fs card services is a huge scam, i fell behind on payments and they email me an offer settlement which i agreed on and paid. 3 weeks later my credit is hit saying Im past due on my account when i have proof showing i settled and got a letter showing the remaining balance was forgiven and account was closed and monthly my account balance still shows its going up on a closed account.
Product: Credit card

I paid and closed my Target account in full with an amount of {$240.00} back in XXXX. Since I paid a few minutes after the time they assessed me a {$30.00} late fee. I spoke to someone and they stated they would as a one time courtesy they would remove it but I had two already. Come to see next month they only removed the finance charges. I have been disputing this and everytime getting a different answer. The last Target representative said they would mark it is a processing error and it should be fine and they would get back to me. They never did and it's still not taken care with more late fees on the account. This is not fair as everytime I call I get a different response! Please assist me : ) ). It is beyond frustrating and not right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has reported late payments for XX/XX/year> and XX/XX/year>. 
These entries are both unauthorized and inaccurate, and I am requesting their immediate removal from my credit report. 

**Inaccuracies and Legal Violations : ** 1. **Absence of Explicit Consent for Credit Reporting : ** The auto loan agreement with XXXX  XXXX XXXX XXXX does not contain any explicit provision or clause granting XXXX  XXXX the authority to report my payment history to credit bureaus. The contract only specifies my obligation to repay the loan and the consequences of default, such as repossession of the vehicle. This omission is misleading and deceptive. Reporting this late payment without clear, explicit consent is both unauthorized and unethical. 

2. **Fair Credit Reporting Act ( FCRA ) Compliance : ** Section 623 ( a ) of the Fair Credit Reporting Act ( FCRA ) requires furnishers of information, such as XXXX  XXXX XXXX XXXX , to report accurate and complete information to credit reporting agencies. The presence of this inaccurate late payment on my credit report is a clear violation of the FCRA, as it misrepresents the actual status of my account. 

3. **Unethical and Misleading Practices : ** Reporting this late payment without my explicit consent significantly impacts my creditworthiness, which is unethical and misleading. It fails to provide a fair and accurate representation of my credit history and violates the principles of honest and transparent credit reporting.
Product: Debt collection

on two separate occasions a company identified itself as Wakefield & associates contacted my fiance and disclosed that i had a medial debt with them. They did properly verify who he was. I believe this is a violation of the FDCPA 3rd party disclosure laws and maybe even a Hippa violation. The calls were placed on XX/XX/2017 and XX/XX/2017. to pone # XXXX
Product: Mortgage

I filled out and processed a Legal Residence Exemption form with the Tax Auditor of XXXX XXXX, South Carolina in XXXX or XX/XX/2023. A check was made out to XXXX by XXXX XXXX in the amount of {$1500.00} and processed on XX/XX/2023. At that point, my mortgage should have been greatly reduced and any amount I overpaid refunded to me. I requested that Carrington Mortgage correct the escrow to reflect my new tax rate. I received a letter in the mail yesterday that the check for {$1500.00} had been returned to my financial institution. I don't understand how a check from a Tax Auditor could have insuffecient funds. I have been dealing with XXXX ( my previous Mortgage company before it was transferred ) and Carrington Mortgage on this issue since XXXX and nothing has been resolved! I am beyond stressed and frustrated at this point.
Product: Credit card or prepaid card

I have 3 credit inquiries on my credit report from XXXX of 2019 from Capital One Bank. I do not have an account from them nor would I seek one. I would request that these inquires be removed from my credit report. These are affecting my credit score for an account that I do not even have.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  accounts have never returned to me that the account belongs to me, I believe my privacy rights have been violated. This derogatory information has hindered me receiving housing. 

XXXXXXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX, Account Number : XXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit card

I noticed several fraudulent charges on my card on XX/XX/XXXX and reported it to USAA. Almost a month later on XX/XX/XXXX USAA sent XXXX letters to me that stated some charges were fraud and others were deemed not fraud. All of the charges were in fact fraud as I had my card stolen. They failed to provide any explanation how some charges could be fraud and others not fraud. I spoke with them on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  None of those calls resulted in any additional information or when they would correct the mistake. In the mean time they are demanding I pay nearly {$500.00} in fraudulent charges without even an explanation as to why i am being held responsible for fraud charges that they should have caught as fraud.
Product: Mortgage

Case # XXXX. This concerns our complaint. Wells Fargo sent us an envelope where they pretend to have wrapped this case up. We agree with only about XXXX paragraphs out of about XXXX pages. We understood that they were selling our loan It was only a case that Wells Fargo was changing Servicers and giving us a new address to where we send our payments. The rest of the information is in fact taking the truth and mixing it up with total false information. We do not agree with their explanation, we have a paper trail that proves the opposite of what they state. This is business as usual with Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for TransUnion company. I've tried to contact their customer service and was not willing to help me with getting the negative inquires off of my report. The following unknown and unaware to me inquires off of my credit report and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX
Product: Debt collection

The Asset Recovery Associates is trying to claim a debit of {$3.00} they claimed I open with a XXXX in the state of Virginia in XX/XX/XXXX. I explained to this company that was in XXXX at that time and have been there until XXXX XXXX XXXX when I return to the XXXX. In XX/XX/XXXX I did make a police report in XXXX for possible identity theft. I also will be filling another one. I contacted this company, which has been brought by XXXX and they related there was not outstanding account with them with my name or SSN. I sent this company a cease and desist letter to stop threatening and harassing me.
Product: Checking or savings account

I have a PNC Bank checking account when I'm trying link XXXX account card for savings on gas PNC will not allow them to link their XXXX XXXX  card to my account even though I am authorizing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} ; XXXX  XXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

Due to the recent data security breach I noticed two fraudulent accounts on my credit report with XXXX, XXXX XXXX XXXX. After further investigation its looks as though 15 USC 1681 was violated. XXXX XXXX XXXX which aggregates data to provide background checks, has confirmed it suffered a massive data breach involving Social Security numbers and other personal data on millions of Americans. 

The XXXX XXXX, Florida, company posted on its website a notice this week that " there appears to a have been a data security incident that may have involved some of your personal information. The incident is believed to have involved a third-party bad actor that was trying to hack into data in late XX/XX/XXXX, with potential leaks of certain data in XX/XX/XXXX and summer XXXX. '' News about the breach first came from a class action lawsuit filed in U.S. District Court in XXXX XXXX, Florida, and first reported on by XXXX XXXX. Stolen from XXXX XXXX XXXX XXXX XXXX XXXX  were XXXX XXXX records including names, addresses, Social Security numbers and relatives dating back at least three decades, according to law firm XXXX XXXX XXXX XXXX XXXX, which filed the suit.