23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had my home inspected XXXX after putting an offer in, waited for repairs and had another inspection done on XXXX. None of the repairs were done. I was assured by both my realtor and the sellers realtor that there would be receipts of repair at closing. The seller never showed. I was urged to sign the docs. Currently - my roof isnt attached to my home and my walls are holding water cause mold and almost unlivable quarters for myself and my XXXX children. One of which is special needs. I reached out to the sellers realtor for documents and she provided me one fake receipt from a roofing company that said I had a 5 year warranty on the home- which now the point of contact has blocked my number. No other receipts were provided to me upon asking. Inspection Buyer Report was signed and agreed to by both parties and the seller did not keep his end of the deal, as the back end of my home is caving in and my HOI will not allow me to make a claim on my home due to it being a pre existing issue. Ive emptied my savings, drawn off of my XXXX and have exhausted all avenues of credit which have now left me on the cusp of bankruptcy. I have had to seek out an attorney as well as miss many days of work without pay due to the work being done on my home. Companies liable : XXXX XXXX with XXXXXXXX XXXX XXXXXXXX XXXX with XXXX XXXX XXXX XXXX, Statewide Mortgage as I do believe the home was not up to FHA standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XX/XX/XXXX, and Federal Trade Commission. 
XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XX/XX/XXXXXXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXXXX/XX/XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 

XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. 
Please delete this account from my credit report. 

XX/XX/XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 


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

on XX/XX/23 I sent a letter regarding inaccurate I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I was the victim of fraud while using XXXX. The fraudulent transaction involved a total amount of {$1100.00}. Upon discovering the unauthorized activity, I immediately took action by contacting my bank, reaching out to XXXX 's customer support, filing a dispute, etc. Despite these efforts, no resolution was provided, and I was informed that nothing could be done to recover the lost funds. 

The lack of adequate fraud protection and support has been deeply disappointing. I expected a higher standard of security and accountability from XXXX. I respectfully urge XXXX to review this matter and implement stronger measures to protect its users from fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters two times : XX/XX/2022 and on XX/XX/2022. As of today 's date I still have not received any kind of letter stating what is the status of my dispute. I have a XXXX account reporting inconsistent lates hurting my credit and I have XXXX reporting a collection that I do not owe. My credit report also does not reflect the accounts in dispute which is a violations of the FCRA. The creditor should list the account in dispute, please see my attached dispute letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal  law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX XXXXXXXX XXXX XXXX XXXX account .Ive Been trying to verify this account for XXXX months from XXXX XXXX XXXX XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX XXXX XXXX  XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Debt collection

Portfolio Recovery Associates LLC is demanding {$610.00} from me with the intentions of damaging my credit files if not received in their version of a timely manner. 

Portfolio Recovery Associates LLC are debt collectors demanding a debt on behalf of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have not received any goods or services from Portfolio Recovery Associates LLC and I do not know how Portfolio Recovery Associates LLC received my private information. 

Portfolio Recovery Associates LLC previously damaged my credit files with this information XX/XX/2022. This account was successfully removed due to Portfolio Recovery Associates LLCs failure to honorably verify their alleged debt and prove they are holders in due course with permissible purpose from me to report to my credit files. Please be advised no goods or services were provided from Portfolio Recovery Associates LLC. I am being harassed. 

As of XX/XX/2022, Portfolio Recovery Associates LLC will receive a validation notice via certified mail no. : XXXX XXXX XXXX XXXX XXXX. Portfolio Recovery Associates LLC is aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contractual agreements to support we have agreed to honorably conduct business. I do not agree to pay/tender anything to Portfolio Recovery Associates LLC. , on behalf of another company at the expense of my private information being on display to whomever. 

I am not a party to any agreements that Portfolio Recovery Associates LLC may or may not have with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I am not responsible for Portfolio Recovery Associates LLCs purchase / transfer from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have not agreed to pay/tender anything to Portfolio Recovery Associates LLC XXXX 

I have contacted XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to Portfolio Recovery Associates LLC. At this time, I demand no further contact from any associate or authorized representative of Portfolio Recovery Associates LLC. 

My credit files are not to be reported to or damaged in regards to this matter as Portfolio Recovery Associates LLC., are not Holders In Due Course with contractual agreements to support goods or services provided to me. 
All calls are recorded for my safety Please be advised that Portfolio Recovery Associates LLC., are not Holders in Due Course. Please Cease and Desist. 

I have included all proof in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have fraudulent and unauthorized hard inquiries listed on my Trans Union,  XXXX and XXXX credit report that do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX, XX/XX/2017, XXXX XXXX, XXXX, XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017, XXXX XXXX, XX/XX/2017
Product: Credit reporting or other personal consumer reports

On my consumer report Equifax reports NYS DEPT SOC. XXXX. CHILD SUPPORT is inaccurate and incomplete. 
I sent a certified letter ( attached below ) for information pertaining to this account and I was told over the phone that this case has been is closed for a long period of time and there was no way of retrieving this information. I also called this office several times only to be told that this is not them reporting this info it is the credit agencies. That I should go to the court house and request my information from the courts even though this account has been closed for years. Also they have confirmed that my case has been closed for many years. The error on my report shows many discrepancies and there are no amounts to reflect any past payment history, such as late payments or missed payments etc. Attached is the latest info from Equifax about an horrible investigation never performed to verify a inaccurate reporting of information. Also attached is the XXXX, XXXX I sent to them.
Product: Bank account or service

On XXXX XXXX, 2015 I applied for a refinance mortgage loan on XXXX XXXX XXXX. XXXX TX XXXX. At this time I was given a Closing Cost Capital Worksheet form from XXXX XXXX XXXX XXXX ( His MLS XXXX ). 

I was told that I would have to pay for the appraisal which was {$470.00} I understood that this was a normal procedure so I was prepared to pay the {$470.00} with a check or credit card. 

On XXXX XXXX, 2015 XXXX XXXX XXXX put through an ACH business-to-business transaction against my savings account without my authorization. My wife when looking at our saving acount about 10 days later discovered the {$470.00} was taken from our Aavings account. She went in and asked XXXX for an explaniation and was told it would be repaid after closing. I have never and would never authorize an ACH out of my savings account, nor my checking account. 

After this the trust issue became a factor, along with a failure to completely explain the closing costs. Also XXXX XXXX XXXX got real upset with us when we refused to complete the transacion, he said that the bank would end the agreement. He sent an email of apology later that afternoon. 
I have called XXXX, and his manager several times to try to get them to return the ACH transaction, but they will not. I explained that the trust was no longer there, and the ACH was not authorized, and was an illegal Business to XXXX XXXX transaction, not allowed on consumer accounts. 
. 
I have contacted the ACH Resolution Department for the J.P. Morgan Chase bank and was told there was nothing they could do. I contacted the District Manager and the local branch of JPMorgan Chase and was told the same. The contact person phone number at the ACH Resolution Department I discussed the request with is XXXX, extension XXXX. 

I also contacted XXXX and the rules as explained to me stated, that " A Business-to-Business ACH transaction, states an agreement must be present betrween the businesses, and all other transactions require a recorded voice or signed authorization.
Product: Checking or savings account

I opened a XXXX XXXX Account to qualify for a {$500.00} bonus before XX/XX/XXXX, I have maintained the balance of {$50000.00} for over 120 days yet have not seen this bonus reflected. Please credit the bonus to this account. I have reached to online support of Comerica without the desired response. 

Thanks, XXXX XXXX Welcome! Your last Log In was Friday, XX/XX/XXXX XXXXXXXX XXXX ET XXXX ServiceLog Out OVERVIEW ACCOUNTS E STATEMENTS TRANSFERS BILL PAY MOBILE BANKING / ALERTS Message Center Send a Message Message Return to Messages Date : XX/XX/XXXX XXXX XXXX  Subject : RE : Account Inquiry My name is XXXX and i am pleased to assist. XXXX, The {$500.00} XXXX XXXX XXXX offer will be advertised in the Southeast Michigan, XXXX, and XXXX regions starting the week of XXXX XXXX and running until XXXX XXXX, XXXX. For new-to-bank prospects or existing customers to qualify for these offers, they must first successfully open a Comerica XXXX XXXX XXXX account through OAO then meet the following criteria XXXX XXXX XXXX Deposit {$50000.00} within 30 days of account opening ( across a few acct types ) and maintain a minimum balance of {$50000.00} for an additional 60 days ( 90 total days ) after account opening. After meeting the requirements, you will receive their offer within 30 days. If I can help you in the future, please send me a message or you may reach our Customer Contact Center by calling XXXX. I am glad that you bank with us. Thank you for choosing Comerica Bank! XXXX Comerica Bank Member FDIC Equal Opportunity Lender Not all products and services are offered in all states -- - Original Message -- - Sent : XX/XX/XXXX XXXXXXXX XXXX To : XXXX Subject : Account Inquiry Segment : Individual Inquiry : I can not find my question. Message : Could you please let me know when the {$500.00} bonus for opening this accounting and maintaining 50K average balance will post? Per the terms it should have posted in XXXX, 90 days after XX/XX/XXXX. Thanks, XXXX XXXX
Product: Debt collection

There account reporting from Macys its already paid. This negative report affecting my credit score.
Product: Debt collection

I have recently applied and have been approved for a debt consolidation through my student loan lender, FedLoan Servicing as I was having difficulties making the minimum monthly payment of approximately {$500.00}, and had determined that the consolidation would reduce my total monthly payment. The initial call I had made to FedLoan Servicing for help with my monthly payments was on or around XX/XX/2019, at which time the gentleman I spoke with said my past due debt with FedLoan Servicing, which was only 30 days past due and totaled about {$700.00} at that time, would be put into an emergency forbearance while the application was being processed and no further payments would be required until the application review was complete. Please note that the balance owned was considered past due despite my good faith efforts to make payments in XXXX and XXXX for {$100.00} and {$400.00}, respectively, which was as much as I can afford, albeit not the {$500.00} they were looking for. However, I had to call FedLoan Servicing back 4 additional times between the initial call on XX/XX/XXXX through early XXXX as I continued to receive collection notices for the outstanding balance. Each time I spoke with a rep they apologized and stated that the outstanding amounts should have been placed into forbearance but for some reason ( that they couldn't ever explain ), that was effective XX/XX/2019. Each time they would 'correct ' the issue to retroact back to my initial call in XXXX, and within a week I would receive another notice looking for payment and go through the whole process again. The consolidation was finally approved on XX/XX/2019. However, all of the individual student loans which are included in the consolidation were erroneously adversely reported to the credit reporting agencies by FedLoan Servicing as 'adverse accounts '. Each of these loan payments have been included in my consolidation, which is current. I have included an overview of my account with FedLoan Servicing for you to review. I need to have the erroneous multiple adverse entries for FedLoan Servicing removed from my credit report as this information is not correct. How can these be considered adverse if they are showing as 'paid in full ' and part of the consolidation per my FedLoan Servicing account overview? This 'error ' has caused my credit score to drop dramatically and I need to have this corrected as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 ( a ) states that I have a right to privacy These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed below IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not know what this about and what it is for? I have no idea and I would like it removed from my credit. Thank you. XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX for XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Customer Data Security Breach Litigation : Case XXXX Violations Include : Late Payments : 15 USC 1681 a ( XXXX ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681 ( b ) ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ).

There has been absolutely no legal proof provided to substantiate the marks on my credit report. I have not signed any wet signature application or contract that would legally authorize the reporting of this information. The accounts stemmed from theft fraud resulting from the XXXX XXXX XXXX, a crime of which, again I am a victim. Trans Union received several material, the accounts were deleted and proof of the deletion was confirmed. However, the accounts were reinserted back on my credit files and yet the unauthorized accounts remain on my credit report, continuing to damage my credit standing and financial reputation, and still sending stall letters, which is frivolous. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Balance : {$9200.00}, Open Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, Balance : {$7700.00}, Open Date : XX/XX/year> This criminal activity has been reported to the appropriate authorities, and I have enclosed a copy of the filed FTC report numerous times. The fraudulent accounts are now inaccurately reported as being in collections and/or reflecting late payments, which undermines my financial credibility. I have been disputing these particular unauthorized accounts for months, and your refusal to delete or block these fraudulent entries constitutes a blatant violation of FCRA Section 605B ( 15 U.S.C. 1681c-2 ( a ) ), which requires Trans Union to block and delete any fraudulent information upon receipt of a valid identity theft report. I want to make it clear that I have never given permission for any associated entities to report or share any personal information about me
Product: Credit card

They call XXXX times a day donot leave a message and are not in america
Product: Debt collection

In 2023, From XXXX to XXXX I contacted the company to make payments. I speak with the same representative and she nice but stern. I created an account and made a payment. The account information never went to email, they wont give me my account information. Ive asked to verify with other things and they just telling me to make a payment over the phone for a fee. 
I had got a new number and I need help settling this debt. Ive also saw reviews stating that their debt hasnt been removed from their credit. It worries me because I have to move, and I need this proof. I want things to be resolved for others, so when it comes to me and everyone else things will get taken care of.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed XXXX, Equifax, and XXXX my disputes along with my proof of ID about inaccurate info on my report. I never got a response so I called them many different times a couple of days throughout each week which took forever to reach someone and when I did they " didn't get anything '' XX/XX/XXXX I wrote the letters again and sent them proof of me sending the letters, this time with dispute letter, ID, affidavit, attestation, and court documents from the lawyer on case. It took me XXXX weeks and several hang ups from credit bureaus to respond that I had they still received nothing after I confirmed I was mailing to the correct address listed on website and from agents who worked there. 

XX/XX/XXXX, the same documents to the bureaus WITH A HARDCOPY BECAUSE THE REPS SAID THEY NEEDED HARDCOPY COURT DOCUMENTS FOR PROOF ALONG WITH MY ID. THEY CONFIRMED THEY STILL DID NOT GET ANYTHING.EVEN WITH RECIEPT PROOF FROM POST OFFICE WHEN I MAILED AND WHERE. 

XX/XX/XXXX, I mailed them this time expedited because reps on the phone were still saying they got nothing!! 

WHAT DO I DO WHEN THE CREDIT BUREAUS KEEP SAYING THEY HAVEN'T RECIEVED ANYTHING. ITS FRUSTRATING BECAUSE I CANT GET APPROVED FOR NOTHING. WHATS THE PURPOSE OF WASTING TIME AND MONEY IF THEY TAKE 3 MONTHS TO DO ANYTHING?! 

I wrote them cause I was a victim in a XXXX XXXX  case that involved coercion and my social security number being used for others benefits. I sent my hard copies ( that credit bureaus said was needed ) off and never got them back My lawyer advised me that credit bureaus violated me under The Debt Bondage Repair Act ( DBRA ). 
This includes 15 USC 1681 stating I have rights. EQUIFAX AND XXXX have violated my rights many times and I need the accounts removed. I have a right to privacy and did not give equifax or experian to furnish these accounts under 15 USC 1681 ( a ) ( 4 ). 15 USC 1681 ( a ) ( 1 ) I was violated because they aren't reporting accurate information which undermines my ability to do anything in life. IM A REAL/NATURAL/LIVING PERSON AND I HAVE RIGHTS PLEASE HELP BECAUSE I CREDIT BUREAUS ARE NOT HELPING WITH NOTHING. I AM GOING TO WRITE STATE OF ATTORNEY ALONG WITH XXXX. I WILL TAKE LEGAL ACTION BECAUSE THIS INFORMATION ON MY CREDIT FILE IS INACCURATE!!!