23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, I purchased a home at XXXX XXXX XXXX XXXX in XXXX, Maryland XXXX. This was my dream home and I had no intention of ever moving again. Unfortunately, my dreams were short lived and shattered. First the title company failed to inform me that that would be an additional XXXX County tax added to my regular property taxes after a period of one to two years into the mortgage. When this additional tax was added to my mortgage, I could no longer make the payments and fell behind in my payments. In XX/XX/XXXX CHASE proceeded to harass me with foreclosure notices, even calling me on Sundays threatening me. I pleaded with CHASE to help me remain in my home. Finally, CHASE said they would consider a modification to my loan but I would need to submit {$3000.00} in order for them to do the modification. I only had {$3000.00} because I had recently had to pay funeral expenses for both my mother and grandmother. Although this was all the money I had, I was happy to send it because I assumed CHASE was going to help me remain in my home. I was sadly mistaken. CHASE notified me that they were not doing the modification, kept my {$3000.00} and WENT UP ON MY MORTGAGE BY {$10.00}. CHASE NEW IN ADVANCE THAT THEY HAD NO INTENTION OF MODIFYING MY MORTGAGE AND YET TOOK ADVANTAGE OF ME BY REQUESTING AND KEEPING MY {$3000.00}. I FEEL CONFIDENT THAT CHASE HAS DONE THIS MANY TIMES TO VULNERABLE HOMEOWNERS. I SEE CHASE AS A CORRUPT, GIANT, FINANCIAL BULLY THAT NEEDS TO BE BROUGHT TO JUSTICE. I recently found out that banks do not lose money when homeowners default on their mortgage loans as banks have insurance on mortgage loans. This means the bank is paid twice for a home, once from the insurance company, and then again from situations like mine, where I was able to successfully complete a short sale. A realtor suggested that I attempt a short sale to prevent having a foreclosure status listed in my credit report going forward. Sadly, this is what I did, and was able to sell the home for an amount that Chase accepted. Losing my home defeated my spirit and broke me as a person. I still have not recovered from my loss and I know I never will. I became ill shortly after the short sale with XXXX XXXX XXXX and was forced to retire, live on a monthly benefit payment, move into rental housing that I absolutely hate. CHASE should not be allowed to get away with this crime. I literally was robbed of my home as CHASE could have helped me remain in my home. They knew before they took my money that they had no intention of granting a modification. How many others, like me have had to be treated this way. I just can not believe CHASE should be allowed to treat me and others this way. CHASE should be brought to justice. Please help me to remedy the disservice CHASE did to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXXXXXX XXXX XXXXXXXX XXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$730.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$680.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX INQUIRIES NOT XXXX XXXX XXXX Credit XXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX Equifax, XXXX XXXX XXXXXXXX Mortgage Reporters XX/XX/XXXX XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Wells Fargo Dealer Services reported a hard inquiry on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ignorant applications of RESPA statutes to a all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to XXXX, Experian and XXXX by XXXX, XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Tuesday, XX/XX/2024, Screen ID formerly known as In Quires Screening emailed me a notice of adverse action regarding my background check. Since then I have been unable to assume my duties at my job. After a month of trying to get a response from Screen ID, they finally review the information the obtained and sent me back a semi-corrected background report. Screen ID has acknowledged by this correction that they have made a grave error on their part but have yet to send any form of apology or remedy for the harm and loss I've suffered at their mistake. 15 U.S.C.1681 clearly states how vital the roles of reporting agencies are and the responsibility they have. I require for Screen ID to take responsibility for their actions that have caused my unemployment and financial difficulties due to their negligence. This mattered can be settled outside of court if they contact with a fair remedy otherwise I will be pursuing all legal actions. I want a response withing 1 week.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent dispute letters to transunion and still have not received anything from them. this shouldnt take this long
Product: Debt collection

D. Scott Carruthers XXXX XXXX XXXX, XXXX, CA XXXX This office, specifically a man named XXXX XXXX has been calling my work, my Manager, my boyfriend, my sister, my other relatives and my cell phone non-stop leaving messages and trying to locate me by asking ways to get contact with me and leaving messages with them, for me to contact the " Attorney Office '' as to make it sound like I am facing a legal issue. This is very embarrassing, especially because I work at a University and hold a professional position. I have sent a certified US Mail to his office asking him to Cease and Desist all phone communications to all the numbers he has, and all communications must be done through US mail. That was dated, XXXX XXXX, 2016. Since then up until today, he continues to call. I made one last call to his office on XXXX/XXXX/16 and spoke with XXXX, I said, " XXXX I am asking you to stop calling my work and all other phone numbers you have on file, this is harrassment. I want all communications via XXXX Mail. '' He said, " I did. '' Then I said, " I also sent a Certified Letter on XXXX/XXXX/16, requesting you to Cease and Desist. Goodbye ''. In the letter told him how he has harassed and embarrassed me. He has caused me to suffer severe humiliation, emotional distress and physical discomfort. XXXX. He has violated the FAIR DEBT COLLECTION PRACTICES ACT & THE XXXX FAIR DEBT COLLECTION PRACTICES ACT since I live in the State of California.
Product: Credit reporting, credit repair services, or other personal consumer reports

The month of XXXX there have been two lates reporting on my credit report. I reported the documentation to Experian and still have not gotten it resolved. I was never late on any of the accounts and Experian refuse to update my credit report from the 30 day late.
Product: Debt collection

In XXXX I went with to ask about a trade in phone to get a service. They tried to sell me a XXXX tower and a cell phone. I decline and the lady said nothing went thru, XXXX months later I started receiving a bill from XXXX, I went to their location in the XXXX XXXX, one of the employee verified that I do t have a cellphone or service with t-mobile. 
Now I am receiving a debt collection for the amount of {$260.00}. This is a debt I never signed up for.
Product: Credit reporting or other personal consumer reports

I don't want these inquiries to be in my credit reporr anymore as I did not initiate any contacts with them
Product: Debt collection

On XX/XX/2018 I sent Certified Mail to all 3 Credit Bureau. XX/XX/XXXX / XX/XX/XXXX and XX/XX/XXXX. Requesting verifiable proof of the original signed consumer contract. Under the FCRA, Section 609 ( a ) ( 1 ) ( A ). And of today XX/XX/2018 none of the 3 major Credit Bureau havent provided any original signed consumer contract. 
Company : NCC Business Services / Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX Balance {$7000.00} / Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX XXXX  XXXX Date : XX/XX/2018 Company : XXXX XXXX Date : XX/XX/2018 Company : XXXX Date:XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX   Date:XX/XX/XXXX Company : XXXX Date:XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX   XXXX Date:XX/XX/XXXX BELOW are the Company , Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$53000.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$10000.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$6400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4300.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$5400.00} Company : XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$4600.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$7300.00} Company : XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$58000.00} ; XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXXXXXX Balance : {$5600.00} ; XXXXXXXX XXXX XXXX Balance : {$5900.00} ; XXXX  XXXX Balance : {$2200.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or a list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

I listed something on XXXX for sale in XX/XX/2022. 
Item was " sold '' but the buyer never paid. XXXX charged me {$240.00} in fees for that. 
Note here that buyer never paid yet XXXX charged me a fee. 
I never paid that amount and today I got a mail from The CBE Group asking for {$240.00} that I shouldn't be liable to pay in the first place.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized XXXX reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized credit inquiries on my name that occurred between the dates of XXXX and XX/XX/2024. These inquiries were not authorized by me, and I have attempted to dispute them with the credit bureaus to no avail. 

I have worked diligently to maintain a good credit standing and these unauthorized inquiries are negatively impacting my ability to obtain new credit. It is crucial that these unapproved inquiries are promptly removed from my credit report to prevent any further harm to my financial reputation. 

I kindly request that you investigate this matter and take the necessary steps to have these unauthorized inquiries removed from my credit report within 30 days. I trust that you will handle this matter swiftly and efficiently to rectify this issue. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of these unauthorized inquiries from my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that the credit bureaus must verify all information that they get from the banks, credit card companies, etc., before putting it on your credit report. 

What the CRAs must have is the ORIGINAL SIGNED DOCUMENT from when I opened the business account that is posted on my credit report. 

Section 609 of the Fair Credit Reporting Act states that I should be sent the ORIGINAL SIGNED DOCUMENTS in order to verify if the accounts are valid. 

Since they have not sent me such ORIGINAL SIGNED DOCUMENTS they are obligated under the Fair Credit Reporting Act to delete those unverified accounts. 

Therefore, I am requesting that these accounts be deleted from my Credit Report Agencies. 
-XXXX -XXXX -XXXX Account related to this complaint : Collector : WAYPOINT RESOURCE GROUP Last reported XX/XX/2019 {$170.00} Open balance XXXX XXXX XXXX Original creditor
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Professional Credit if XXXX LA is reporting I owed {$600.00}. The debt was {$400.00} and was paid by my health insurance company as Soon as the doctors office filed with the correct company. They filed with my old insurance even though on my previous visit they filed with the correct company. So clearly they had the right information. I discussed with doctors office the {$400.00} debt and they claimed I owed 50 % more because they turned over for collection. Thus was years ago. Ive already had it corrected with another credit reporting company years ago but it remains n XXXX report. Professional Credit of XXXX LA is falsely reporting the amount of the original amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to access my credit report from Experian online. I have tried calling the number that they gave me, because of their system issues and I get a automated system that will not let me speak to a human being, because there isn't any options on the automated system that can not help me.Therefore Experian is refusing to give me access to my report, as well as not allowing me to file a dispute in regards to any negative reporting.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration with the way my multiple attempts to rectify fraudulent items on my credit report have been handled. Despite my persistent efforts to have these fraudulent entries removed, they persist on my credit file, causing severe financial and personal distress. These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit, obtain loans, and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. In addition to the removal of these fraudulent entries, I also request that the credit bureau furnish a written statement detailing measures taken to prevent such fraudulent items from reoccurring in the future. This is crucial to ensure the protection of my credit and to prevent others from experiencing similar hardships. I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to remove these fraudulent items and seek damages for the financial harm inflicted upon me. I am asking for your assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, 2015 I received a credit monitor alert stating I was 30 days past due on a auto loan payment ... ..I called my credit union for explanation, and they told me there was no late payments and no referral of late payment and it was the fault of transunion credit bureau for an erroneous late payment post .... I called transunion and they told me XXXX XXXX XXXX XXXX made a 30 day late payment notice ... ..I filed a complaint with your agency, and they referred it to the national credit union assoc ... ..after an investigation by the ncua, XXXX XXXX sent me documentation that the loan was never delinquent and was never reported as such..however, the late payment remains on my credit report and 44 points were taken off my score
Product: Credit card or prepaid card

I accessed the Capital One app in XXXX 2023 to make a payment, and it showed past due but it didn't show me the amount I needed to pay within the app in order to become current. As a result I paid {$50.00} because I thought that would cover it. Now in mid-XXXX I just got a collection call saying XXXX was reported late and wasn't paid in full. I have since enrolled in paper billing statements but haven't received any yet.
Product: Credit reporting or other personal consumer reports

This complaint has been ongoing for over XXXX  years. XXXX XXXX XXXX XXXX has continued to report an open account with a balance due. This auto loan was included and XXXX in a XXXX  XXXX XXXX. I have reached out several times and provided all supporting documents to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is in violation of the XXXX  laws. I have contacted my attorney and they have got involved. I have disputed this account to be remove completed and deleted from my credit reports since XXXX. This account was included in my XXXX  XXXX XXXX  and they have received several correspondence from me and CFPB they have ignored the laws that are in place. I have an attorney and XXXX moving forward to pursuing statutory damages due to the fact that you violated the FCRA Laws. Attached will be our final documentation that XXXX XXXX XXXX XXXX needs to remove and delete XXXX XXXX XXXX XXXX  tradeline from all credit reporting agencies within XXXX  days from the date of this dispute.
Product: Checking or savings account

I made my usual weekly recurring deposit of {$50.00} on XX/XX/year> which should result in XXXX reward points. It posts every week but this week it did not. I contacted customer service via chat who advised it would be credited by XX/XX/year> but it was not.
Product: Credit reporting or other personal consumer reports

I requested to the company, Experian that they provide me a copy of how they are going about my investigation. The following companies, I have requested a 1099 in which they have did a profit loss statement and the have refused. XXXX XXXX, for XXXX Us Dollars. XXXX XXXX XXXX Dollars and XXXX Bank XXXX Dollars according to the law of the FCRA section 605, at this point I am ready to obtain counsel and sue this company Experian for reporting inaccurate information and ruining my life.