23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

At the time of our application XXXX XX/XX/2020 ) were told the minimum credit score requirements for loan approval were XXXX. As we went through the application process, required repairs had to be made in order for the loan to be considered and approved. Since we were planning on utilizing funds from the XXXX to complete those repairs we had to use alternative financing ( credit cards ). After many delays due to supply chain issue 's because of COVID repairs were finally completed, we notified our loan officer XXXX XXXX 2020 ) and we were able to continue the loan request process. We received conditional approval XXXX XX/XX/2020 ). The home was then appraised, we received notification the XXXX  was in final review and we would be contacted shortly to schedule a closing. I was notified at midnight by email that we no longer qualified because of credit score had fallen ( due to high credit card utilization ) below the new requirement of XXXX. We were 100 % misled the entire time. 

At NO TIME were notified of the new requirements or even contacted that the second credit pull would be completed. Had we been given the information of the new credit score requirement we could have made different financial decision to avoid this unfair outcome. 

We contacted CITIZENS and requested an exception. The request was sent to the manager, it has been over a week since the request and they are now no longer communicating with us, we can not get anyone to return our calls or respond to emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, is not stating that monthly payments are being paid. I negotiated debt, and my balance is showing incorrect amount I owe and not being paid. I have statement/bill which, shows new amount owed and being paid. 
The original creditor was XXXX XXXX XXXX  I can upload statement. 
XXXX is balance owed, not close to XXXX. 
XXXX XXXX refuses to make changes on credit reports.
Product: Credit reporting

I filed chapter XXXX over 9 years ago. My husband and I actually dismissed the BK and settled with creditors and paid off our debt owed under chapter XXXX. Will you please advise I can have the chapter XXXX removed from my credit report? ****Thank you XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XX/XX/2018. XX/XX/2018 XX/XX/2018 Credco ( XXXX loan ) Phone XXXX pulled a hard inquiry on my credit without my authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX Account:XXXX, XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

This is a fraudulent account ; I did not open any account with this creditor.
Product: Debt collection

I have sent a letter to the Schrieber Law, LLC requesting that they cease and desist in contacting me regarding any and all matters pertaining to the alleged XXXX debt. They are not my original creditor and I have no desire to work with them. I am dealing with more than my fair share of financial strife right now due to COVID 19 and do not need the added stress from Schreiber Law, LLC as well. I am letting the CFPB know what is going on because I want a record of this issue on file.
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have fallen victim to identity theft, resulting in the addition of unauthorized accounts to my credit report. These accounts were opened without my knowledge or consent, and I am requesting immediate action to correct this issue. 

Accounts - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the removal of these fraudulent accounts from my credit report to restore its accuracy.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been satisfied and it is a medical bill that should have never been reported on my credit report. It should be be removed immediately.
Product: Debt collection

Received a letter from Wilber & Associates, P.C. attempting to collect a debt of XXXX for an auto accident that I was not involved in and a car that was not registered or insured by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

FIVE months ago, Equifax and XXXX BOTH claim that they verified the bankruptcy reporting on my credit report through XXXX XXXX, XXXX responded that they could not verify this information and DELETED it from their database. I sent all correspondence to Equifax and XXXX   for them to delete this unverifiable information off my credit report via section 1681, however its been five months and they are not cooperating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have request that my freeze be removed permanently XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX OH XXXX DOB :XX/XX/XXXXS.S. # : XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please REMOVE any and all security freezes at once.
Product: Checking or savings account

I have been in XXXX since XXXX of XXXX  when I was able to get access to my chime bank account in XX/XX/2023 I discovered that my account had been used without my authorization for XXXX transactions to a online merchant. I never authorized anyone to use my account. I immediately called chime bank XX/XX/2023 and disputed the transactions in total over $ XXXX. Chime bank decided that no error even thou I showed location proof I am in XXXX and the charges took place in Colorado so please be warned chime won't protect your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$2200.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$2500.00}, {$170.00}, {$150.00}, {$150.00}, {$1600.00}, {$800.00}, {$3400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOANS 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 

10. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XXXX XXXX XXXXXXXX with a balance of {$150.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

14. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} .XXXX -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$230.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have something on my derogatory marks that say I owe XXXX for Enhanced recovery compan, I dont know who open that, I never open this account Ive Ive been trying figure out my my account keeps going down and thats why.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  I submitted dispute letters to TransUnion, XXXX, and XXXX for the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  All three bureaus came back stating that all the accounts were updated and verified. On XX/XX/ I submitted a method of verification letter asking them to provide me with proof that these items were verified and if they were unable to provide that information that I would like the items deleted immediately. All that each bureau sent was an itemized breakdown which is not proof of verification. Reporting these inaccuracies are hindering me from getting employed. Please assist me as soon as possible. Thank you.
Product: Debt collection

Accounting errors that need to be corrected immediately. Please see attachments for further details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please verify this debt it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account was opened fraudulently. I filed a dispute, but they still wont take it off my credit. ( XXXX ) The debt collector shows as Professional Finance Co. The original creditor is XXXX XXXX XXXX XXXX. ( XXXX ) debt Collector XXXX XXXX XXXX, The original Creditor is XXXX XXXX XXXX. ( XXXX ) debt collector XXXX XXXX XXXX, The Original debt collector is XXXX XXXX XXXX. ( XXXX ) the debt Collector is XXXX XXXX XXXX. The Original Creditor is XXXX The XXXX XXXX XXXX. I need them to send me proof of the Original Contract and the Original Creditor. I need them to send me proof of my wet signature from the original creditor. If I dont receive any documents within 30 days they will need to remove the accounts from my credit report. Asap
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a Consumer Financial Protection Bureau complaint ( complaint # XXXX ) against Transunion. The investigation was complete on XX/XX/2022 and the XXXX XXXX  account that was on my transunion report ended up being deleted, I recently checked my credit karma transunion profile and it says that my XXXX XXXX  account was closed on XX/XX/2022. How did the account go from being deleted from my consumer report on XX/XX/XXXX, then about XXXX weeks later it's reported as closed? this is inaccurate credit reporting and i request that transunion delete the account from my consumer report instead of having it reported as closed. I've attached proof below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am coming to you to talk about an account listed under my name and social that I noticed does not belong to me. I have sent several letters to the XXXX, Experian, XXXX, and XXXX to fix it. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted them so it could be resolved before I ask for payment for violating my consumer rights. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with the original creditor and I am the original creditor. There are addresses that I never lived at or even provided the information that I did live there. A company or corporation can not tell me where I lived nor can they verify that in any way. I want my credit report updated to reflect true valid information.
Product: Checking or savings account

I had an email involving my paypal account and I called phone number XXXX to dispute this and they put a manager on phone it was for {$490.00} and they said they'll take care of this it happened today and ND so I believed them and they wanted my information so I gave it to them and they took it out of my account and said don't worry it will be back on your account in half hour and it's hours later still not there her name is XXXX XXXX I'm on XXXX and only get Paid once a month and now my account is minus- {$360.00} I want to report this company and please help me receive my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to dispute an account on experian due to identity theft and experian keeps coming back saying the account is valid. They dont send any documents or any proof showing this acct in fact belongs to me and I opened it. Ive sent in numerous affivaits and fraud paperwork along with multiple disputes. They said they can not do anything about it because the credit card company is telling them this account is valid once again without any documents or proof this in fact is my account. Didnt experian have a data breach? I dont feel like theyre taking care of their customers very well. I even spoke to XXXX XXXX and the information they had on file does not match with mine besides my name and social of course because thats how it was open. Ive never lived at the address provided and email was never owned by me
Product: Mortgage

We contacted PHH Mortgage, our loan company ( and several others ) to request a refinance of our loan on our primary residence. Our current loan is {$550000.00}, 30 year ARM at 3.5 %. We intend to pay down the loan with cash from a house we sold in XX/XX/XXXX. 
The new loan would be {$190000.00} for 15 years, and after completion of loan application we were informed that we were locked in at a rate of 2.875 % After several days we did not hear back from PHH, I called to inquire when we would need to provide various documents to complete the loan process. At that time I was informed that due an error on PHHs part the rate did not get locked in and now it would be 3 %. 
I thought this type of " bait and switch '' practice was illegal, but apparently the practice has not discontinued. 
Here is the contact info. 
PHH Mortgage XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Loan ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the companies to verify and validate these accounts and the companies still fail to do. These are unauthorized account on all three of my credit reports below. Equifax has unknown accounts on my credit report that Im asking to be 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 Equifax Unknown, Acct XXXX 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are not authorized inquiries in which the company does not allow you to dispute the inquires online and when calling your turned away by the rep. the following items are not authorized : Factual Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I received a loan in about of {$1000.00} around XX/XX/XXXX. XXXX my first payment towards the end of the month for XXXX. And ever other month til now. I paid back the loan and than some. I paid to them over XXXX and my balance is still sitting at XXXX I 've called them and they basic said told me, that 's just the way it is. So I 'm going to be paying {$2000.00} and something for a {$1000.00} that makes no sense to at all. I feel like this company takes advantage of people. This company has put me in a deeper hole than I already was in. I 've been having to make {$300.00} payments each month..
Product: Vehicle loan or lease

Bridgecrest is reporting on my Consumer Report XXXX and XXXX a po box address of XXXX XXXX XXXX XXXX XXXX XXXX. Then on the Mortgage Report which was pulled a different address and the name XXXX XXXX. 

First, XXXX did not reveal that my loan would be through XXXX or Bridgecrest. I requested Debt Validation letter which has a copy of my DOB, SSN, and my authenic signature showing I agree to contractual have a loan with XXXX Time. 

Second, an investigator called me stating she would provide proof of the Debt Validation with the contract I signed, DOB, SSN, and a contract which showed XXXX XXXX was the loan authenticator. She further stated, " We will show proof of purchase and the date your purchased the car. A payment ledger was requested for the last time they received a payment. 

Third, I requested for BridgeCrest to provide proof that XXXX was the loan origninator, provide proof of all documentation which shows my last payment for the car. 

Fourth, I requested BridgeCrest to provide proof of the car being sold at an Auction and if this account was written off as a bad debt. 

How is it possible for Bridgecrest to report to the Consumer Reporting agencies as an installment loan and a open account if the car was repossessed?

I furthermore am distressed with the Consumer Report because BridgeCrest conducted the following acts : Predatory lending practices targeting vulnerable individuals. 
Imposing unreasonable and excessive fees on customers. 
Failure to provide accurate and transparent information about loan terms and conditions. 
Engaging in deceptive collection tactics, including harassment and unfair repossession. 
Violation of consumer protection laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a share loan XX/XX/20. The pay off increased my credit score at all credit bureaus except Transunion. The payoff of the loan reflects a positive Increase by XXXX and XXXX  due to the payoff, but Transunion reported a 25 point decrease. Which they can not explain why, but has shifted the blame to their computer program.
Product: Credit card or prepaid card

This is In regards to XXXX XXXX XXXX concerning Nordstrom Card Services Account # XXXX. Attached you will find a notarized power of attorney form authorizing us to investigate this account and communicate in regards to this matter. At the consumers request all future communications should be with this office. 

On XX/XX/2020 A letter was sent to Nordstrom in regards to a late reporting in XX/XX/2020 where a financial accommodation was made. I received a letter from Nordstrom dated XX/XX/2020 that accurate data is reporting to the three major credit bureaus. Based on the letter you are violation g the national pandemic law ( CARES ACT )?
Product: Debt collection

This debt was paid in FULL over seven years ago. I have been disputing this item for the past two years and they keep changing the reporting date to a current date so this item can remain on my credit file. Please assist me in removing this item in compliance to the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT, and I'm including these again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

One Main Financial. I had been current with direct debit for all of my payments until my company stopped paying me. The last paycheck I received was XX/XX/2020. I have tried to get payment to them from my savings. I am now 2 months late and the still want at least interest payment which is 70 percent of XXXX USD. I don't have it it and I am trying to get money from any source I can but as the Pandemic runs there is little I can do. They call me 15 times a day. They call from different numbers all the times.