23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This Home Depot credit card account as a authorized user was removed from my credit report. But the hard inquiry from ( CBNA ) Home Depot was not removed. The credit company stated that the authorized user did a dispute in reference to this account and the tradeline/ account was removed due to that. Even though this was a mistake done by the credit bureau. I have accepted their response from the prior dispute. But am requesting for the ( hard inquiry ) on my XXXX  credit report, to be removed as well. Just as the account was removed by Home Depot credit card services as well. Its only fair since the account was removed. The hard inquiry needs to be removed as well or send a request to each credit bureaus as before for the tradeline of this account, to be reported back as the authorized user.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 

XXXX XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$720.00} XXXX XXXX XXXX XX/XX/XXXX {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act. 
15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a loan account under open-end consumer credit plan as late for any purpose.
Product: Mortgage

While purchasing a new home from K. Hovnanian XXXX , L.L.C., I opted to use the builder 's mortgage company - K. Hovnanian American Mortgage ( KHAM ). I had four notable issues with KHAM : 1 ) Despite receiving a written confirmation of a scheduled closing date from the construction supervisor, I was repeatedly denied the opportunity to lock in my mortgage rate. KHAM would not allow me to lock in my rate, despite being within 60 days of the scheduled closing ( the earliest point that they would allow my rate to be locked ) until they received an update from the builder as to their progress. As a result, the interest rates increased and I was not able to lock my mortgage rate in at the rate I initially wanted to and locked in a substantially higher interest rate. 

2 ) After the closing date got pushed back due to the builder not being complete, the rate-lock that I had obtained expired. The builder, extended the rate-lock for an undefined period of time, at their own expense, while the construction issues were being resolved. After the construction issues were resolved and the builder declared they were not going to be paying for the rate extension any longer. KHAM then attempted to charge me a rate lock extension. I explicitly told them that I neither requested the initial rate lock nor wanted to pay for a new rate lock since the prevailing mortgage rate was identical to the rate I would be locked in at. After being told that the rate lock fee was their lender 's policy - I demanded to see a copy of that in the disclosure documents that had been provided to me. After they were unable to produce any documentation to substantiate or indicate that they disclosed this fee to me, they agreed to absorb/waive this fee. ( I believe this may be a UDAAP violation. ) 3 ) KHAM was in regular communication with the builder with regards to my personal finances, mortgage status, and other sensitive financial details without my consent. 

4 ) KHAM at one point demanded that I produce account statements for a trust account that I am neither a trustee on or a signatory on. While reviewing my financial statements, I disclosed that I received a substantial gift from my grandfather 's trust, that was currently in my mother 's name as the sole trustee. Despite that the fact that the money was wired from a XXXX XXXX Trust account to my XXXX XXXX Checking account - KHAM repeatedly refused to accept letters of attestation, copies of my bank statements, letters from the trustee, and communications from the banker who oversee the trust for XXXX XXXX as sufficient to " source '' the deposit. Despite repeatedly explaining that I did not have access to the account statements for the trust - since it was not my account - KHAM repeatedly demanded that I produce them for their review.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft UPGRADE INC Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

. Identity Theft UPGRADE INC Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX XXXX Account Number : XXXX  This is not mine.
Product: Mortgage

We submitted a Request For Modification ( RMA ) to PNC Mortgage. We fully completed their in-house RMA and the governments RMA form. When PNC Mortgage reviewed the documentation they denied the request on the basis that the non-borrower income was not allowed because they did not live in the subject property. The Borrower : XXXX, a XXXX and his daughter XXXX both attested that they reside in the property. They provided the water bill in XXXX XXXX 's name and the light ( XXXX ) bill also. The PNC Mortgage representative informed XXXX XXXX that his XXXX had to place the light bill ( XXXX ) in her name to prove occupancy. The XXXX bill was then placed in XXXX ( Daughter ) name. The certified non-borrower application was completed as well as the non-borrowers bank statement reflecting the subject property address. 
PNC Mortgage later denied the modification stating that the XXXX account had switched back and forth and the Non-Borrowers {$1200.00} contribution was not accepted because she does not live in the property. The fact is the Non-Borrower and the Borrower do live in the property. To add insult to injury, the Borrower attended a conciliatory mediation with the PNC Mortgage Analyst and legal counsel. The XXXX Judicial Circuit Court stated that ; " the banks representative must attend all mediations with full and complete settlement authority ''. At the conciliatory mediation the PNC Mortgage representative stated he had full and complete settlement authority. But at the end of the hour and a half discussions the PNC Mortgage Analyst declared that before he can make a final decision he has to review the file with the Investor for the loan and it could not take place now. When asked who the investor for the loan was? He stated ; " he did not know ''. That is not full and complete settlement authority. 
Unfortunately, there is no venue for borrowers such as XXXX XXXX to turn to in an effort to cure such flagrant disregard for the rights of borrowers like XXXX XXXX. It seems that at every turn PNC Mortgage changes the rules to confuse, delay and where down XXXX XXXX in an effort to foreclose on his home. Please help.
Product: Debt collection

My husband cancelled our gym membership on XX/XX/XXXX .We signed up as a family on a month to month basis after a year we noticed we did not use it much, he was told he had to go in the office to cancel it and that 's what he did .On XX/XX/XXXX they tried to debit his bank account and it was returned by his bank, and then they tried coming after me for payment.On XX/XX/XXXX I was told I still had an open account, so long story short I was told I owed them {$20.00} dollars and that I needed to come down to their office and terminate my account.I did that on the same day they sent me the email.I now received another notice stating that I owe {$40.00} more dollars or they wills send my account to collections.I contacted XXXX XXXX today on XX/XX/XXXX and told them I cancelled this service back on XX/XX/XXXX and was told they have not received the information.I told them I do n't owe this money and that I have paperwork of the cancellation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  failed to conduct a proper investigation to my dispute request. I have written them a dispute letters 3 times on XXXX XXXX, XXXX XXXX, XXXX XXXX and they have yet to respond. They late payments are reporting inconsistencies and inaccuracies and I want this account to be fixed by removing the late payments. They late payments on each bureau shows different dates and doesnt match the other bureaus. I have attached my credit report for proof on this incorrec

t reporting. One bureau reports me late will the other bureau reports me on time for the same date, how can I possibly be late and on time for all bureaus??? They all have the same source of information which is the original creditors of this accounts so how are the reporting different information?? Please have them to investigate and verify the maximum accuracy of this account and remove this incorrect information from my credit
report or update the late payments to paid as agreed,
Product: Debt collection

II do not believe I owe this debt to CAINE & WEINER. I have NEVER had any type of contract with them nor do I recall getting a letter in the mail stating that I owe them XXXX. This company has never contacted me. I believe them to be reporting harmful things to my credit report without my knowledge. This has cause me great harm in getting denied for things. This company has completely defamed my character. I would like to see the contract that I have with this company with my actual signature saying that I allowed them and to report this to credit reporting agencies on my behalf. I would like this removed immediately i n 4 days. Im also not sure if this debt was purchased illegally without my knowledge. If so I would love to see what company knowingly gave my information to this company without my consent. And I would also like to see an itemized bill to know how much this alleged debt was purchased for. If an account is allegedly in collections it can not be reported as open. I also looked to see if this company is registered in Illinois to collect a debt and they are not. There seems to be numerous violations here.
Product: Debt collection

I received a loan through credit ninja that was transferred to their collections department, I currently have a debt settlement programme set up through XXXX XXXX. They have texted my father, mother and uncle about my debt and have been aggressively trying to get the money owed. Yesterday I requested the information about the account and they would not give it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian emailed attached XX/XX/2019 Experian XXXX - XXXX, your score decrease alert.pdf and XX/XX/2019 Experian XXXX - XXXX your score decrease alert and 6 reasons for credit score drop.pdf. 

For more than 2 years Experian has obstructed error correction. 

XX/XX/2019 Experian XXXX - XXXX, your score decrease alert.pdf conflicts with the 65 score increase in attached XXXX  XX/XX/2019 credit score from XXXX XXXX. 

In the attached XX/XX/2019 Experian XXXX - XXXX your score decrease alert and 6 reasons for credit score drop.pdf. Experian stated the 6 reasons for credit score drops : 1. You Have Late or Missed Payments 2. You Recently Applied for a Mortgage, Loan or New Credit Card 3. You Made a Large Purchase on a Credit Card 4. One of Your Credit Limits Was Lowered 5. You Closed a Credit Card 6. There Is Inaccurate Information on Your Credit Report Respectfully there has been no Late or Missed Payments. I have not recently Applied for a Mortgage, Loan or New Credit Card. There has been no non-fraudulent Large Purchase on a Credit Card. XXXX raised not lowered my Credit Limits. There were no closed Credit Cards. Yes there is a ton of Inaccurate Information on my Credit Report that you have obstructed  correcting for more than 2 years.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer report I've noticed that there are information and accounts that's unlawfully reporting. I reached out to the creditors to verify this alleged debt in which I asked them to provide me the proper documentation that shows this debt belongs to me. They have yet to respond with any documentation proving that this debt is mine. I receive numerous phone calls throughout the day from the creditors seeking payment in which i'm aware that this violates 15 U.S. Code 1692c - Communication in connection with debt collection. Included in this complaint is a copy of my dispute letter in which I ask Equifax to investigate and remove anything that's reporting inaccurate or unverified. By them reporting this inaccurate information I am being negatively affected and my ability to obtain funding or the proper necessities in life are limited due to bad credit. I am aware that in order for any account to report on my consumer report the creditor must have authorization to share my information in which they never had permission. I have no knowledge of who these creditors are and by them reporting anything to Equifax violates my right to privacy. Equifax has proven to report inaccurate information on many people 's consumer report. They were never given the proper consent to furnish a consumer report on my behalf. 


Violations committed by Equifax and the creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1692c - Communication in connection with debt collection
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX BANK # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX & XXXX 2011 XXXX XXXX, XXXX XXXX BANK XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, has violated my rights XXXX 

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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION HAS BEEN COMPROMISED DUE TO XXXX, XXXX, EQUIFAX DATA BREACHES. I HAVE INACCURATE DETAILS AND UNAUTHORIZED ACCOUNTS LISTED ON MY CREDIT REPORT. I HAVE MADE SEVERAL ATTEMPTS DISPUTING THE INACCURATE INFORMATION AND ASKED FOR A SWORN TESTIMONY OF METHOD OF VERIFICATION AND HAVE NOT RECEIVED THAT. I STILL HAVE YET TO RECEIVE REMEDY FOR THE INACCURATE DATA FURNISHED ON MY CREDIT REPORT. THERE HAVE BEEN MULTIPLE VIOLATIONS PER THE FAIR CREDIT REPORTING ACT. NOW I HAVE NO OTHER CHOICE BUT TO TAKE IT TO COURT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act, XXXX  account number XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Transunion ) has violated my rights. 

Statute 15 of U.S.C 1681 section 602A states that I have the right to privacy.

Statue 15 of U.S.C 1681 section 604A states, a consumer reporting agency can NOT furnish a account without written instructions from the consumer.
Product: Credit reporting or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My Date of birthday is| XXXX XXXX. 
My XXXX  XXXX Number 's is XXXX Re : Consumer Financial Protection Bureau Complaint Case # XXXX ( responce ) To Whom it may concern.. 

Law XXXX XXXX XXXX XXXX ( XXXX ) - Procedure in case of disputed accuracy. 

( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX again claims that the disputed information on these accounts : Account name : XXXX XXXX XXXX  Account number : XXXX were verified but still contain inaccurate, unverifiable information. According to XXXX XXXX XXXX, the information is correct and accurate and their position remains the same regarding my first and second investigation of the accounts described above. I tried to correct the information twice but I still see obvious errors in my credit report. 
I have paper evidence included in this letter showing that XXXX XXXX XXXX ( YES ) has errors in their reports and the information is not accurate or precise XXXX XXXX XXXX  has violated XXXX U.S.C. Sec. XXXX ( a ) of the consumer rights and is still reporting inaccurate and different information in each credit bureau. 

XXXX XXXX XXXX not report the day of closing of the account, that information is incomplete and not verified. present proof of that XXXX XXXX XXXX  reports account opening dates incorrectly, that information is incomplete and not verified, present proof of that. 

Under the law XXXX XXXX Code XXXX ( XXXX ) I demand the immediate deletion of the account mentioned in this dispute, I have questioned XXXX XXXX XXXX multiple times about the accuracy of these accounts and XXXX XXXX XXXX has not been able to correct the errors,,, the law XXXX XXXX Code XXXX ( XXXX ) stipulates that after reinvestigating an account disputed by the consumer ( me ), and there is still incomplete, unverifiable or inaccurate information, the accounts must be removed immediately. 

I demand that my written evidence in this disputed be reviewed and that XXXX XXXX XXXX delete the account at Experian XXXX and XXXX, and enforce the law XXXX XXXX Code XXXX ( XXXX ) XXXX : XXXX XXXX XXXX XXXX
Product: Debt or credit management

Tally is a company that provided credit card payments/ debt consolidation and touted a 'method ' to payoff credit card companies faster/more efficiently. Recently I received an email that Tally is going out of business and has transferred the existing debt to XXXX. I do not know XXXX and never had an agreement with XXXX ; also XXXX does not provide the same service as Tally originally did ( paying off credit card balances through a Line of Credit ). Essentially, Tally went out of business and transferred the Line of Credit I had with them to XXXX on a XXXX note. I never agreed to the loan, but still submitted my first payment to XXXX so it does not accrue an additional late fee or could be subject to collections. Tally was a predatory lender that only exasperated my credit card problems, and now it seems I have a XXXX loan with XXXX that is not even remotely close to the terms and conditions that I agreed to with Tally. Unfortunately, I can no longer access the Tally app to retrieve all of the original documents and terms. I believe I have a reasonable expectation of continuity with the terms of my original agreement with Tally.

It appears my payment has remained the same with XXXX as it was with Tally, but how can a company simply transfer a 'line of credit, ' but not keep the existing benefits of the contract? I did not agree to a 'new loan ' of XXXX, and I believe this could negatively impact my future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Professional credit services was suppose to delete their account on my credit file with XXXX and XXXX from my recent complaint back in XX/XX/2023 but they only deleted it from XXXX and not yet from XXXX since XX/XX/2023 and it is still reporting on XXXX please delete the account that you promised to from complaint id with the cfpb : XXXX XXXX
Product: Mortgage

During the summer of 2020, I XXXX XXXX called my mortgage servicing company XXXX to request a Covid Forbearance. In talking to the representative I was not offered a Covid Forbearance, instead the representative transferred my call to a 3rd party debt consolidation company. A few days later I received a package from the outside vendor. I want a 12 month Covid Forbearance as I and my husband have been negatively impacted financially due to Covid and are suffering.
Product: Credit card or prepaid card

I am a victim of Identity Theft. 

I have called Synchrony Bank/ PayPal Credit multiple times after I received a summons to appear at small claims court, on XX/XX/2023, for a debt in the amount of {$2700.00} as well as a court filing fee of {$120.00}. 

I have repeatedly told them I never opened an account with them and that this is all fraud but each time I was ignored and even treated with hostility at times. Most told me that there is nothing they can do and I will just have to pay a debt, I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect balance of XXXX  XXXX credit balance reported for Account ending XXXX where I am a co-signer/and-or authorized with XXXX XXXX XXXX at XXXX father XXXX XXXX, XXXX XXXX, New York XXXX. 

The available credit is approximately {$390.00} and balance is {$110.00}. 

This account is not reporting correctly.