23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were given a pre-approval letter by Quicken Loans in XX/XX/201, were not provided a denial letter until XX/XX/2017. The denial disclosure was not provided within 30 days. This requirement falls under the Equal Credit Opportunity Act ( ECOA ) / Regulation B. My husband and I have been trying to get this settled for almosr two years now without getting any resolution. We have sent emails and complaints and have had this issue just swept under the rug and the business that the complaint is on continues to do this same thing to other people. 

The company continual states that they did nothing wrong. They have tried to put this on us by saying my husband did not complete the credit application when it was sent in from thier website.. He sent in info weekly that was stated as needed. They said nothing until our lease was up. Even though they told us and the property manager that everything was going good and we would be approved. 

The property manager at that time had written up a contract. I don't think he would have done so if he was told we would not be getting the loan.Quicken Loans has done nothing but state they did nothing wrong. We are not the only people this company has wronged. This needs to stop. The stress of dealing with Quicken Loans on this issue almost killed me. I was admitted to the hospital for a XXXX XXXX XXXX, and had back to back risky XXXX  and almost died. The stress of this is not wanted or needed. We just want back what we had to pay during all of this. Even though this situation has cause other financial issues. 

If this issue is not settled, it could continue to have a stress factor on me and end me up in the hospital again with the same issue, and once again I could die. Maybe that is what the company wants so I will stop complainig and bring this issue to their attention to resolve.
Product: Credit card or prepaid card

On or about XX/XX/XXXX I submitted a credit application to Citizens Bank, N.A. Shortly thereafter, on about XX/XX/XXXX, Citizens Bank sent me a letter asking for a copy of my state driver license and proof of address. 

On about XX/XX/XXXX I faxed Citizens Bank the documents they requested. The same day Citizens Bank placed an additional hard inquiry on my credit bureau report. 

Subsequently I had to fax the documents several times because it seems Citizens Bank can not afford fax machines that work properly or that lose documents that they actually received. On about XX/XX/XXXX I phoned to ensure the documents were finally received and request information about my application. After 45 minutes on hold, a very abusive and condescending woman told me my application was denied because they are " unable to verify information provided on credit application. '' I believe this woman lied to me. 

The information I was asked to verify was easily substantiated with the driver license copy submitted as well as verification of address by my utility company and XXXX XXXX XXXX XXXX.
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 {$9300.00}, {$13000.00}, {$11000.00}, {$10000.00}, {$500.00}, {$780.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- LOAN ACCOUNTS -- 1. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. DPT EDXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 5XXXX XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent letters to the company twice. I've asked for proof and validation errors on my report. of these I have not received a response and it has been more than 30 days. I want this account removed from my report. These negative accounts are preventing me from obtaining credit and obtaining a mortgage.
Product: Credit card

On XX/XX/XXXX, my XXXX Citi Card was declined at a restaurant. On XX/XX/XXXX, it was declined again at a movie theater. I called in on XX/XX/XXXX requesting information on why it was being declined. The first representative gave me a runaround and an ambiguous answer that I would have to wait for " further information '' either through phone, text, email, or letter. He did not specify which or the timing. The second representative hung up on me. The third one gave me the same information the first one did, transferred me to a supervisor who said the same thing, and transferred me to a manager. The manager said he could not access the account and to expect further communication. He also could specify method or timing. None of the five representatives could explain why the card was being declined nor what " additional verification '' meant. I have been unable to use this card for over 2 days now. If I'm to expect a letter, that could add two weeks which means I will lose out on two weeks to get my sign up bonus also. Citi is not providing any useful information on why my card can not be used. As far as I'm concerned, Citi is just trying to cheat me out of my money by getting me to open a card and manipulating things so I can't get the bonus or utilize the credit line.
Product: Debt collection

I recently received my consumer report and notice the portfilo Recovery is reporting that I owe a collection I reached out and ask where did I legally sign may wet signature for ownership of this debt they could provided it to me. This account is not mine and I demand it be removed from my credit report because of identity theft I have already reached out to XXXX and XXXX and XXXX and all reporting agencies should be following laws and regulations to report this negative information without showing any proof of verification of this alleged debt that's not mine PORTFILO RECOVERY XXXX XXXX {$450.00} and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a former bankruptcy on my credit report I asked them to provide that the XXXX to provide the reporting status from the XXXXXXXX XXXX XXXX XXXXXXXX. According to the Court them don't report Bankruptcy therefore I need XXXX to provide documentation from the courts. In real time writing.
Product: Debt collection

Affirm closed a dispute in favor or merchant, XXXX, after providing tracking info showing item refused back to merchant, XXXX. Regardless, they still attempt to collect on debt by sending account to XXXX XXXX, third party collections agency. Previously, down payment in amount of {$5100.00} was charged back, I was unable to obtain refund form merchant as they were not answering calls at the time. One of their reps whom I do not have the name of, stated he would refund, however, was unable to reach back to follow up as additional calls were not answered.. Most recently, complaints were filed against XXXX, their rep, XXXX, emailed me claiming they attempted to refund and were unable to .... XXXX claims an error message received when trying to refund back to XXXX, third party selling the item.. The timeline of events regarding the order is attached to this complaint from XXXX. It appears Affirm is attempting to collect on debt despite error message from XXXX which will not allow XXXX to refund.
Product: Debt collection

Dear CFPB, Diversified Adjustment Service sent me a letter dated XX/XX/2018 demanding for a debt of {$320.00} for which no information or knowledge to such debt was affirm. I requested for validation of such debt and none was sent beside an itemized bill to which I challenged looking at the inaccuracy. 

No communication on phone was made and I demand all letters are certified. 

Diversified demands money for an alleged debt for which no proof of said debt, nor proof of ownership of said debt, has been verified and exhibited. Please whereas no exchange of money of goods or services occurred between XXXX XXXX and Diversified Adjustment, therefore XXXX XXXX cites failure of consideration and request the following. Please explain why they demand for such debt. 

I responded to their request on asked for validation and they never validated the said debt within the required the 30 days period on my credit report. But they instead sent a bill. 

Meanwhile, I do not have a contract with Diversified and no service have been provided by them to XXXX XXXX, I demanded for their right of subrogation and they instead continued reporting on my credit report as if I owe them debt. And they put in dispute after 45 days which is a violation of Federal law as the required period is 30 days.

I hereby request Diversified Adjustment to explain to me why they violated Federal laws of the 30 days period, delete my account and explain why they are reporting inaccurately without providing me their right of subrogation. I also want diversified to know that their inaccurate reporting has cost me huge interest and credit denials and as such I request that diversified compensate me with {$1000.00} for violation of federal laws by reporting inaccurately, and by falsely representing on debt to which they have no said claim. 

Attached are proofs of communications. 

XXXX, XXXX
Product: Debt collection

I lost My Social Security And report to police and they can delete some Account i have on My Credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed all three of the credit reporting agencies reports for myself. The show as follows : Experian Total Balance Due : {$57000.00}. 
Total Payments : {$710.00}. 

XXXX  Total Balance Due : {$57000.00}. 
Total Payments : {$2100.00}. 

XXXX  Total Balance Due : {$57000.00}. 
Total Payments : {$2100.00}. 

The balances on all of our accounts ( 1 real estate/1 car payment ) is {$29000.00}. The total monthly payments we pay ( 1 real estate/1 car payment ) is {$1100.00}. 

We have some additional credit card accounts, but there is XXXX- balance on them, and has been that way for years. 

I have contacted Experian previously, however, they refuse to change the numbers on my credit report. Can you help me? As I strive to maintain excellent credit information, when you look at these credit reports, it indicates that I owe more than TWICE as much as I actually do. I am furious about this. Please help.
Product: Credit reporting or other personal consumer reports

This is a follow up to complaint from XX/XX/2023. 
# XXXX I removed the accounts that were deleted from the prior investigation. I AM FORMALLY REQUESTING A RE-INVESTIGATION INTO THE BELOW LISTED ACCOUNTS. PLEASE DELETE ALL LISTED ACCOUNTS BECAUSE THEY ARE INACCURATE AND DO NOT BELONG TO ME. 

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX PH NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX DEAR EQUIFAX, XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. 

RE : to dispute inaccurate information on my credit report After reviewing my credit report I noticed some inaccurate accounts on my credit report. I have no knowledge of these accounts. The following accounts are negatively affecting my credit rating and file. Please delete the listed items from my personal credit file. These accounts are fraudulent and I am requesting all be removed immediately. 

This letter serves as my official request to have the aforementioned item to be deleted off my credit report, please remove the following accounts below : 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 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 Once your investigation has been completed, please notify me by mail to the above address listed. 

Thank you XXXX XXXX
Product: Checking or savings account

I was issued a Chime debit card that I never signed up for. It's as if someone used my email, name, and old street address to create this account. It looks as though a different bank account is linked to the card, but I would like to have this account removed from my name and email entirely.
Product: Credit reporting or other personal consumer reports

I never lived at this address. Never signed a lease agreement. My dad lived here years ago. His name is XXXX XXXX. Same birthday. I would like this information removed. It's not my debt. I lived with my mom at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  added a negative account for what appears to be a credit card in XX/XX/2019. I've sent online disputes asking the credit bureaus to to their job and investigate because I have never had a XXXX Credit card.I 've sent dispute letters to the three Credit Bureaus certified with the following tracking numbers : XXXX XXXX XXXX It still remains on my credit. I contacted XXXX to get more information and tell them I believe its fraud and asked them to send me a copy of the original paperwork where I applied for the card. I gave them 30 days and they wrote me back stating they could not assist me at the time, and their apologies for the inconvenience. I then sent a dispute letter directly to them on XX/XX/2019 with the tracking number : XXXX ( which was delivered on XX/XX/2019 ) asking them once again to verify. I understand that they have 30 days to respond or delete. It is now 72 days and I have not received anything from XXXX at this point it needs to be deleted from my credit file. Every month they are updating more days late. Which is harming my score. They are breaking the law
Product: Mortgage

The lender I was going through pulled my credit to start the process. Then again 3 months later due to them dragging their feet on closing, then again 2 days later only to deny my loan due to me being a contract worker. That fact was disclosed to them in the application. I had to supply them with letters of good standing in my company. Sign and send numerous copies of full disclosure, bank account records, payoff statements, taxes for 4 years. All of which they asked for over and over again.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX XXXX XXXX XXXX XXXXXXXX. The late payment in question is reported by EXPERIAN for the period of XX/XX/year>. I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Debt collection

I am writing to express my extreme frustration and disappointment with the persistent and unwarranted harassment I have endured from your company regarding a false account. 

Despite repeated attempts to explain that I do not owe any outstanding balance on a XXXX  account associated with my phone number, your representatives have continued to contact me multiple times each day. I have consistently informed your company that I am a current XXXX customer with the same phone number in question. 

To my further dismay, a collection account related to this false debt has been added to my credit report. This erroneous information is negatively impacting my credit score and causing significant distress. 

I demand that you immediately : Remove the false account from my credit report. 
Cease all contact with me regarding this matter. 
If you fail to resolve this issue promptly, I will be forced to take legal action. I will not tolerate this continued harassment and damage to my credit reputation. 

I expect a swift and satisfactory resolution to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the LATE PAYMENT HISTORY entry on my credit report. These entries constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 

List of Companies and Unauthorized Reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above ARE INACCUTATE and Specifically violates my rights with Unlawful Furnishing of Consumer Reports Without Authorization & Improper Late Payment Designation : Violation of FCRA Permissible Purposes of Consumer Reports : According to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only with the consumers explicit written instructions.

I did not authorize and I request you have the companies send verification and all the documentation they claim to have received from me and the Verification steps the conducted to confirm it was me and had EXPLICIT authorization they received from me Improper Late Payment Designation : Under 15 U.S.C. 1666b, creditors must adopt reasonable procedures to ensure statements are delivered at least 21 days before the payment due date. If this procedure was not followed, the late payment designation is invalid.

I did not receive such documentation AND i did not authorize. I request you have the companies send verification and all the documentation they claim to have received from me and the Verification steps the conducted to confirm it was me and had EXPLICIT authorization they received from me.

According to Section 604 of the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), creditors may only access a consumers credit report with a permissible purpose, which requires explicit consent. Additionally, Section 615 ( f ) mandates that all reporting be accurate and consent-based, reinforcing the need for explicit authorization.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I recieved notices and phone calls on a debt from XXXX phone service.. The collection agency service says i owe 200 % of the original charge. diversified consultants says i had a early termination contract on my cell phone. 
I went to XXXX to get phone fixed, they closed my account and reopened my account. so they could sell me a new samsung phone.. I was n't aware this was a early termination. this was not disclosed to me. resulting in past debt collection. I dont have that phone and have no existing contract with XXXX also if settling with this agency, they stated they have no information of any credit bureau they are going to report and rectify my credit to ... So I dont trust this agency to help me resolve this. I believe radio shack is initially at fault, coupled with diversified consultants.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXXXXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX this account is unknown to me. 
XXXX {$67.00} XX/XX/XXXX, XXXX account is unknown to me. 

XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XX/XX/XXXX. This inquiry was not authoized by me XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
US SM BUS ADMIN ODA XX/XX/XXXX. This inquiry was not authoized by me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am writing to formally dispute the inaccurate information being reported on my credit report. Specifically, the account under the following details : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX You are reporting this collection as an open account, which is not in compliance with the Fair Credit Reporting Act ( FCRA ). This classification is inaccurate, and I am requesting that this account be removed from my credit report immediately. 

Please confirm the deletion of this collection and send me a copy of my updated credit report showing that this item has been removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX