23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I closed on a townhome XX/XX/2023 ; it was a new build with developer XXXX XXXX. The lender was the developer 's, XXXX. An appraisal was completed for financing in which the home appraised for XXXX, XXXX which was the price of the home. After completion and closing I emailed for a XXXX appraisal, as it stated I was entitled to. The lender did not respond when it reached my personal loan officer through email and I received notification within XXXX hours that the loan had been transferred to another company. My first payment for my home never even went to the original lender because of transfer of loan so quickly. When I received the county loan appraisal for property taxes the appraisal of home was {$50000.00} than the original loan that has been within less than a 6 month span.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Equifax  Re :  unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from   XXXX    XXXX  which was made on  XXXX / XXXX / 2016 . I checked my credit report, which I acquired from Equifax.   I have contacted  XXXX   XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
Product: Debt collection

I have a debt with LVNV but XXXX has taken over this debt. This lady keeps emailing me constantly. She has even went so far as to tell me that she knows I am opening the emails. She is harassing me at this point. This lady has emailed me 17 times since XX/XX/18. This is not okay. Please help me. Her name is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Information on my Credit Report has been remove, and then they put it back onto the credit report. I have sent over proof of letters from the creditor itself, to remove the fraudulent accounts, along with police report, and identity theft letter. But XXXX, Trans Union, and XXXX  all totally ignore both police, and letters from the credit as my proof. I can't afford a attorney at this time.
Product: Credit card or prepaid card

I received a direct deposit to my checking account on XXXX for {$60000.00}. There was a 4 % charge upfront ( {$2400.00} ) and a 0 % promotional for 12 months. I was charged additional interest on XX/XX/XXXX and XX/XX/XXXX. When I called customer service, I was notified that I was subject to 16.49 % interest along with the 4 % upfront. 
I have transacted this direct deposit with Bank of America 10+ times since XXXX. I am certain that the promotional was offered on the website. I certainly would not sign up for 20.49 % all in interest. When I asked for some evidence, the customer service person said that everything happened on the website and that there was no evidence of the rate that was communicated to me. 

I paid off the credit card and closed the account XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to 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 relating to any transaction by the consumer. 
XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$21000.00} EXPERIAN 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

For over two years, I have disputed the inaccurately reported bankruptcy on my credit report, and I have saved every piece of correspondence as proof. It is impossible for the credit bureaus to have verified this bankruptcy through XXXX, as my file there is frozen. Additionally, the court involved has explicitly confirmedvia the attached XXXXdated letterthat it does not report any information to credit bureaus. Despite this clear evidence, the credit bureaus have ignored my disputes and continued to report an incorrect discharge date, further damaging my credit profile. These actions strongly suggest that the bureaus acquired this information illegally or from unverifiable sources, in direct violation of the Fair Credit Reporting Acts accuracy and verification requirements. I demand the immediate removal of this unlawfully obtained and inaccurate information, as it is hindering my familys ability to purchase a home.
Product: Credit card

I opened an American Express XXXX card in XXXX. When I first opened the account I was not given a credit limit as it is a charge card. Months later after opening the account a limit was placed on the account that was less than my pay over time limit with the lender. I inquired and was told it was because I made a purchase of a certain amount. The limit was removed automatically months later but again today on XX/XX/XXXX a limit of {$2800.00} was placed in my account the morning of my payment due day. This limit was below the amount owed on my card, and I had always paid this account in full. When I called to inquire as to why these changes were made, I was told that the company performed an unauthorized credit report of my account on XX/XX/XXXX and decided to place a limit on my card because of the information on that report which made them believe that I may be a lending risks despite having paid the full balance on the account every month since opening. I recently consolidated my XXXX XXXX which greatly impacted my XXXX XXXX in addition to me being an authorized user on an account I dont have direct access too, all information that I was told impacted the companies decision to change my account from an no limit charge card to a charge card with a spending limit of {$2800.00}. The companies reasoning for these acts have upset me and I believe that my rights are being violated. They responded to my last complaint saying why they made these changes and offered to review my account but that I did not send in the proper bank statements, which is not true. Their email states for me to send my statements from my primary bank account which I did. I told American Express that I dont use a commercial checking account and that I use and make all payments out of my primamary brokerage account where my money is deposited as well. I showed this documents and XXXX out my confidential information. I showed them what was requested and they denied asking for an account that I already gave them documentation to. I did not show American Express investments. On page XXXX of each statement it shows my current cash value for the account. American Express has also changed terms to my account that I did not agree to nor was notified of until my previous complaint was filed. I have attached copies of the bank statements sent to American Express below.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request to get my credit information updated due to billing inaccuracies. I have personally spoken to the data furnisher which is XXXX XXXX XXXX  XXXX and they have confirmed they have reported the correct balance statement that closed on XX/XX/2021. The statement balance closed as {$91.00} on account ending in # XXXX. Which is 100 % accurate as reported by the Data Furnisher BUT the issue is Equifax has reported this on my credit as having a balance of {$910.00}. This is inaccurate and XXXX XXXX XXXX  XXXX has confirmed specifically XXXX  XXXX Agent ID # XXXX  XXXX that they submitted over the statement balance for account ending in # XXXX as {$91.00}. They provided verbal and statement showing the correct balance. This appears to be an inaccuracy on the side of Equifax. This has now placed me under financial stress due to the massive credit score drop and it's wildly unfair this is happening. I kindly ask for this to be corrected as reflecting the correct balance of {$91.00} as the supporting documentation/statement that closed on XX/XX/2021 clearly reflects. I have spoken to Reporting Specialist at Equifax ID # XXXX and have verbally informed Equifax of the error to get this fixed as soon as possible. It's still not fixed.
Product: Mortgage

Real Estate Attorney XXXX XXXX ( with many many aliases in many states and large family fraud scheme circle ) also undisclosed Real Estate Title Attorney for XXXX XXXX XXXX working with XXXX XXXX XXXX escrow closer for same title company posing as an escrow officer, realtor XXXX XXXX also dual agent and managing broker for XXXX XXXX  XXXX XXXX XXXX XXXX County Recorder, XXXX XXXX XXXX XXXX XXXX  aka XXXX XXXX XXXX XXXX XXXX real estate attorney. XXXX county recorder is backdating for bribes ( only explains why these documents are suddenly showing up after repeated research and I have the original forms in hand ),. XXXX XXXX XXXX ( many aliases, many states ), is back filing with back dating files to cover for her large-scale scheme defrauding sellers in distress with large amounts of equity and XXXX XXXX and XXXX XXXX recorder participating in fraud. My warranty deed that just was filed yet dated XX/XX/XXXX but warranty deed signed XX/XX/XXXX when closing occurred XX/XX/XXXX and all through docs says send to myself and not my real estate attorney XXXX XXXX. I was defrauded of approximately 100,000 dollars with false liens etc and false forms and straw buyer. False POA, closing supposedly on XX/XX/XXXX yet XX/XX/XXXX ( XXXX XXXX XXXX ) completed after fraudulently ecrow advancing large sums of money and ALL closing costs from escrow to falsely inflate payoff statement only to repay hours later after closing on sale where attorney with the aide of XXXX ecrow closer repaid all closing costs and LIENS not paid off and 2 completely fraudulent and per IRS both state and federal, liens llikely fraudulent and not yet paid. ALL persons involved refuse to speak with me and XXXX XXXXXXXX XXXX with XXXX works for XXXX XXXX XXXX.!! 

I VERY MUCH BELIEVE THE BUYER XXXX XXXX DOES NOT EXIST. 

PLEASE CALL OR EMAIL AS i AM XXXX
Product: Checking or savings account

The issue started in XX/XX/2019 when I set up XXXX with Associated Bank. This is well documented on the banks side. Ive spoke to numerous representatives as well as supervisors. There was an issue with my phone receiving the onetime verification codes upon set up. Now they can not remove my phone number from their system, Ive been told its stuck. I cant seem to get anyone to escalate the problem or take me seriously. I had to find a work around myself. In order for me to properly ( I use this term loosely ) utilize THIER XXXX service I had to purchase a XXXX  and an air time card totaling {$45.00}. I had to purchase the XXXX so I could remove my permanent cellphone number ( that was stuck ) by replacing it with the temporary XXXX number. Now I can not remove the temporary XXXX number and replace with my permanent number, I get an error. So the only options I have left are to purchase {$20.00} every 60 days for airtime on my XXXX to maintain the temporary phone number in their XXXX system so I can use their service or pay XXXX {$25.00} for me to change my phone number which in turn requires me to update it everywhere I do business. What a joke! Help, please!
Product: Credit reporting or other personal consumer reports

I filed multiple disputes and they all came back as verified but I was never shown the results of what considered these debts as verified. I didnt receive a copy of any contracts or otherwise that I signed with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX stated on my credit report my in the comments Payment after charge off/ collection Settled -less than full balance. On XX/XX/XXXX XXXX stated in comments Account legally paid in full for less than the full balance. on XX/XX/XXXX XXXX stated in comments Settled accepted on this account Paid charge off and I have a Derogatory mark for XXXX. this is an error please remove this from my credit report. I spoke with SYNCB/ Care Credit and they refused to do anything about it. They also charged me another fee of {$200.00} in which I paid so they would remove in fear that they would not remove. I was not aware of my rights and they took advantage of me. I would like to be compensated for this. This is not fair. This has caused me much frustration and anxiety. I was not able to get a loan for my business as a result of this error. I deserve to be compensated for this mistreatment
Product: Credit reporting or other personal consumer reports

I have been trying for more than a year to get Experian to fix my birth date. At some point this company changed it to XXXX. My credit history goes beyond this. It is blatantly obvious the caused this issue. I attempted to send them documents via there online document submission link. It stayed I had to send a physical copy of my driver 's license, SSN card, and a document with my information. I sent them the drivers license, SSN, and my XXXX XXXX for where I am XXXX and they stated they have not received them. Now my information that could potentially used to defraud me is missing. I have spoken to them on numerous occasions, and they say there is nothing they can do. These companies should not have so much power over U.S. consumers. I need a loan to fix my roof, and my lender will not process it because of this issue with Experian. I just want them to change my birthdate back to the correct date. This should not be this hard.
Product: Debt collection

On XXXX XXXX I contacted Tower Loan located in XXXX, Ms., the telephone number is XXXX and I spoke with a representative by the name of XXXX who stated I only needed to pay {$190.00}. She then proceeded to take out {$300.00} and {$190.00}. I placed a call to branch manager XXXX who stated he notified Supervisor but wasn't sure how they handled this. This is serious and they need to refund the {$300.00} immediately. The company response shouldn't be I'm not sure.
Product: Checking or savings account

I wrote a check on XX/XX/XXXX to a vendor for {$5000.00}. The check was intercepted and never received by the vendor. The payee field on the check was altered and was cashed by a person unknown to me, XXXX XXXX XXXX, on XX/XX/XXXX. I filled out paperwork with Chase to recover the funds, but only receive monthly form letters stating that they are working with another bank on my check claim. In the same letter they state that they can not force the other bank to respond or take action. They do not list the other bank. It should not be my responsibility to contact the other bank as Chase allowed this check to be cashed fraudulently. I am getting frustrated that there has been no movement to recover these funds. 

I was told by my banker via an email on XX/XX/XXXX that " my claims department... was able to get the claim approved. You should see a credit for the funds by the end of next week. '' I never received the funds. 

I have already written a new check to the intended vendor because the funds were owed to him. But now my company is out {$5000.00}.
Product: Bank account or service

PNC Bank mistakenly withdrew over XXXX from my account on a check that was not mine, nor did it have my account number on the check. I am closing on a house and moving today. I called the bank several times this morning and was told the money can not go back into my account for 24 hours. Well this is unacceptable. I needed the money put back into my account swap and explained what was going on. They said sorry, that 's their policy. When I ask to speak to someone else, I was told there is nobody else for me to speak to regarding this issue ( this was customer service telling me ). So now I am scrambling trying to get money together for closing this afternoon and not sure if I will be able to get that much together. They have left me with XXXX money for something they did wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously tried to get 3 companies who have mistaken me for someone else and are reporting negatively. I have contacted XXXX, XXXX and XXXX multiple times to have these removed and they just send me back a " verified '' for them. I have personally requested signatures or ANY documentation to show these are mine but they will not as they CAN NOT verify it is me because it isn't. My name is XXXX XXXX XXXX XXXX and I do not have nor have I ever had these accounts but I can not get them to send me documentation to prove it is me. I have contacted each company and they will just say verbally that it is me because they just want payment from somebody. 
Please help me to get these removed from my credit report as I can not buy anything with this listed and they are not mine! I have had this all my life as I have even been threatened for bills prior to XX/XX/XXXX which is when I was born. 
The creditors that show on all 3 reports are : LVNV Funding for {$3200.00} XXXX XXXX XXXX for {$2600.00} XXXX XXXX for {$1900.00} If they will send me documentation to show MY SIGNATURE, I will pay these off but they won't because they know they have made a mistake and now just want their money. 
Please Help as the reporting agencies just get a " verified '' back which doesn't help me. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX
Product: Debt collection

Upon checking my credit report, I found unauthorized accounts that are damaging my credit.
Product: Debt collection

TransUnion failed to comply with the legally mandated timeframes for my dispute ( Dispute ID : XXXX ), heres all relevant dates and issues : Timeline Non-Compliance : Dispute Submitted : XX/XX/year>. 
Dispute Received : XX/XX/year> XXXX Follow-Up Sent : XX/XX/year>. 
Final Demand Letter Sent : XX/XX/year>. 
Deadline for Response : XX/XX/year> ( 30 days from receipt of the dispute ). 
Response Received : Through CFPB portal on XX/XX/year>, significantly exceeding the legally mandated timeframe under FCRA Section 611 ( a ). 

Incorrect Address : TransUnion mailed responses to an address where I have never lived, risking exposure of sensitive personal information and failing to meet my explicit request for communication to be sent to my correct address, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, via certified mail. 

Failure to Investigate or Resolve : Late Payments : Disputed accounts, such as XXXX XXXX XXXX XXXX XXXX XXXX, and others, remain unresolved with no verifiable proof provided. 
Unauthorized Hard Inquiries : Entities like XXXX XXXX and XXXX XXXX XXXX  inquiries were not removed, nor was consent verification documentation provided. 
Account Inaccuracies : Items like charge-offs from XXXX XXXX and XXXX XXXX remain unaddressed without evidence of verification. 
Collection Accounts : Incorrectly reported items like XXXX XXXX XXXX  were neither verified nor deleted. 
FCRA Violations : Section 611 ( a ) : TransUnion failed to conduct a reasonable reinvestigation within 30 days.

Section 609 ( a ) : Documentation supporting the accuracy of reported items was not provided.

Section 607 ( b ) : Inaccurate and unverifiable information was not corrected or deleted.

Risk to Personal Information By sending sensitive responses to an outdated and incorrect address, TransUnion has created a risk of my personal information being stolen or misused. This demonstrates negligence in safeguarding consumer data.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting errors and rumors and is causing harm and damages to property. 15 U.S. Code Section 1681B.
Product: Debt collection

Requesting Validation from XXXX  I need the information as follows 1 Original Contract with WET Signature 2 ( All Information from the Original Creditor ) Name, Address, and Phone Number 3 Billing or Payment History 4 Proof of Ownership
Product: Credit reporting or other personal consumer reports

I am requesting for an investigation to take action in regards of my identity being stolen & my information being used against me, I would like for an active investigation to take place as of now.
Product: Debt collection

diversified consultant keep calling my XXXX and XXXX year old sisters for one of my debts that has already been paid off and posing as an insurance company.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, Wisconsin XXXX ] [ XX/XX/year> ] XXXX XXXX XXXX XXXX 
[ XXXX XXXX  XXXX XXXX XXXX NY XXXX ] Re : Cease and Desist Communication Regarding Alleged Credit Card Account Request for Deletion To Whom It May Concern : This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and is being sent regarding an alleged XXXX XXXX credit card account that has been reported as closed and charged off. I assert that your furnishing of my credit information to consumer reporting agencies was done without my written consent, violating federal law. 

Basis of Complaint and Legal Violations : 1. Lack of Written Consent : Under 15 U.S.C. 1681b ( a ), you are required to obtain my explicit written consent to furnish my credit information. At no point did I provide such consent. Reporting this account without proper authorization constitutes a clear violation of the FCRA.

2. Demand for Manual Review : I am requesting a manual review of my records to identify and confirm the lack of written consent associated with the furnishing of this account. In addition, reporting inaccurate or unverifiable information is strictly prohibited under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

3. Right to Cease and Desist : Pursuant to 15 U.S.C. 1681c ( a ), you must immediately cease all communication regarding this alleged debt, including communication with consumer reporting agencies. Reporting to credit bureaus constitutes a form of communication and must also cease.

Action Demanded : I demand the following corrective actions : 1. Immediate Deletion : Remove all references to this account from my credit report with all consumer reporting agencies. 
2. Letter of Deletion : Provide a formal letter of deletion notice, confirming that the account has been removed, and send it to my email address at [ XXXX ]. 
3. Notification to Consumer Reporting Agencies : Notify all credit reporting agencies to which this account has been furnished that the account was reported without authorization and must be permanently deleted.

Failure to comply with these requests will leave me no choice but to pursue legal remedies. This includes filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), as well as initiating arbitration or litigation under 15 U.S.C. 1681n for willful noncompliance or 15 U.S.C. 1681o for negligent noncompliance. 

This matter must be resolved within 30 days of receipt of this letter. If no action is taken, I will proceed accordingly. 

Sincerely, [ XXXX XXXX XXXX XXXX