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

Sporadic telephone calls from, United Legal Group, asking several questions. First they ask my name, then read off my address and ask if that's correct, ( which it is ), then ask to verify my social security number. That is where I stop them, asking what this is about. They tell me they can not give me the reason for the call until I complete their verification process. When I refused a few weeks ago ago, on a Friday, the woman said she would call me back Monday to finish ; she got that last part in after I told her I was interested, ending the call. Was out that next Monday, didn't get any call from her. Last Friday, XX/XX/2021, I received a call on my home phone, from XXXX XXXX, her # XXXX, asking for me by first and last name, then reading off my home address, as well as my post office box number, asking which one I use for mail. I refused the answer, asking her what the call was about. She said only after I answered all her questions, would she tell me the nature of the call. I refused to answer her.From there she said she would call back another time. I said, " no you won't, '' and to put me on the DO NOT CALL List. She said there isn't any " do not call list, '' to place me on. I told her good-bye, hanging up. She then called my home number, Wednesday, XX/XX/XXXX, leaving a message to call her back, at XXXX, ext. XXXX. During that same time period, around XXXX PM, she reached on my cell number, as I was at the store shopping. She asked for me by name ; I told her she had the wrong number-hanging up. Blocked her number, the XXXX, on my cell. When I got home, listening to her message, called the XXXX number, with extension, and some man answered. He said if I had a file number he could look up what the matter involved. I have no such number, having never done business with this company. Of course I wasn't going to volunteer any information. At least I got the company name, when calling XXXX.
Product: Credit reporting or other personal consumer reports

on XXXX XXXX XXXX XXXX i sent a letter to experian asking them to provide me with information regarding a item listed on my credit coming back as verified I asked them to provide me with evidence of this matter and have gone ignored on my request.
Product: Mortgage

I am very frustrated with the difficulty in getting a payoff amount for the loan. Despite several attempts, I havent received any help or clear information. 

The deed is already in my name, confirmed by XXXX XXXX XXXX. Ive had to delay closing twice because of this lack of response, causing financial stress for my family. 

It shouldnt be this hard to pay off a loan. This delay could lead to serious issues, like foreclosure. Please provide the payoff information immediately. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX Account # XXXX
Product: Mortgage

Mortgage contract states that my cushion for my escrow is suppose to be XXXX and never to go above that amount. Freedom Mortgage refuses to abide by mortgage contract and service VA loan correctly. By failing to service the mortgage correctly Freedom Mortgage has set there own cushion amount at XXXX. This en turns allows them to raise the amount of my mortgage payment. I have told the mortgage company about this many times and showed them the violation in my contract. They still refuse to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX
Product: Debt collection

Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Vance and Huffman LLC on XX/XX/2022 and I have no recollection of doing any business with Vance and Huffman LLC. I am in the process of contacting Vance and Huffman LLC but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Product: Payday loan, title loan, or personal loan

XXXX offered a XXXX loan, but you get only XXXX at first and XXXX is held in escrow. You have to make biweekly pmts towards this loan, but you are not given the full amount and I had to pay off the full XXXX. I realized that this is deceptive and predatory lending and decided to cancel it immediately.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, I was sent an email stating {$620.00} was due to complete my remaining balance that was owed to XXXX. It was later sent to a collections company " XXXX XXXX ''. On XX/XX/year> I received an email from XXXX XXXX who were requesting {$960.00} for my account that was owed to XXXX to be considered resolved in full and no further efforts to collect on this balance will be made. After they received the payment for {$960.00} I received a confirmation email stating they received the payment but to my understanding I only owed {$620.00}. 
When I initially tried to dispute my account I informed the credit bureau agencies that the information was not correct for multiple reasons. They denied my dispute and informed me that I would be receiving a letter in the mail within XXXX weeks explaining in further details why it was denied. I never received the letter in the mail. On my credit report in details it shows as Paid in settlement. {$1.00}, XXXX written off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the third complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to TransUnion, XXXX and XXXX. The complaint numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). The second attempt was made on XX/XX/2020 and was also accompanied by direct bureau disputes. Those complaint numbers were XXXX ( XXXX ), XXXX ( TransUnion ) and XXXX ( XXXX ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, XXXX and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by any of the bureaus to resolve anything. There has also been data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Product: Debt collection

I do not owe any bill. I have medicaid and medicare which is XXXX XXXX XXXX.. I have Provide it the company with my issues information in they refuse to take. I also I also had financial assistance to the hospital. I do not owe any bill.
Product: Credit reporting or other personal consumer reports

I have been paying my accounts on time and I getting penalized via my points, it doesnt make sense. I wrote to a representative from the company and they sent me a list of reasons and NONE of them were valid! I will be sending a couple of screenshots of the evidence and I will be sending this evidence to the US general attorney.
Product: Mortgage

Since the beginning of my loan with Veteran 's United I have made multiple principal only payments. Each time I've made a principal only payment Veteran 's United system instead makes a regular monthly payment with interest and escrow. In the last 12 months I've called into Veteran 's United, spoken with a human being from Veteran 's United, asked to make a principal only payment -- specifying each time that I want all funds on this payment to go to principal -- and when I check the next day Veteran 's United 's system has instead taken from the payment I made and made a regular monthly payment first ( with interest and escrow ) and then applied the balance to principal. This has happened at least five times in the last 12 months. Each time I call the representative tells me they've made some sort of " hierarchy '' change to my account, but each and every following time I call in to make a principal only payment Veteran 's United 's system first makes a regular payment with interest and escrow and then applies the balance to principal. *****I am convinced that Veteran 's United 's system is doing this to many veterans, not just me. ***** I'm no longer concerned about fixing this problem for me, as I've just resigned to the fact that Veteran 's United has made a conscious decision not to fix this problem ; who I'm concerned about are the likely thousands of other veteran 's that are being cheated by this faulty principal only payment process. I'm not looking for the template answer that will come from Veteran 's United 's representative -- telling you that they take each complaint like this seriously -- I'm looking for proof positive ( something that will convince your agency -- that Veteran 's United will ( a ) reverse this for past Veterans and ( b ) stop it from happening to other veterans in the future. Please feel free to call me or email to get documentation from me of this particular recurring problem. Thank you in advance. XXXX XXXX, XXXX, XXXX XXXX ( XXXX. )
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request 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 XXXXXXXX
Product: Vehicle loan or lease

Ive been fighting with the bank and theyve received payment but deemed the first check suspicious and sent it back they didnt bother calling to verify the check at all.
Product: Credit card or prepaid card

I paid my Macys credit card bill in full on XX/XX/XXXX. I did not personally make any charges, either online or in person, between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received a statement in the mail from Macys showing and outstanding balance due of {$1100.00}. These charges were made in XX/XX/XXXX, in XXXX XXXX XXXX and XXXX, NJ. Both of those locations are 3 + hours away from my home. Neither my husband nor I were in XXXX or XXXX, NJ on the dates that these charges were made, nor did we make ANY charges to our Macys account in XX/XX/XXXX. I have the actual, physical credit card still in my possession, so someone stole the NUMBER and not the CARD itself. On XX/XX/XXXX, I called Macys and CANCELLED THE ACCOUNT and requested a Statement of Fraud affidavit, which they said they would send via email. I then learned that additional fraudulent charges had been made between the statement closing date of XX/XX/XXXX and XX/XX/XXXX. The total amount of fraudulent charges made against my account before I closed it was : {$2100.00}. I have made a report to the New York State Police, and also filed a fraud / identity theft affidavit with the Federal Trade Commission. I am writing to the card issuer, XXXX XXXX XXXX XXXX, to dispute the charges as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, am writing today to assert my federally protected consumer rights, and complain about the way the consumer reporting agencies have misused my Personal Private Information in accordance with the Gramm-Leach-Bliley Act. These three consumer reporting agencies have discriminated against me in pursuant to 15 U.S.C1691 ( a ) ( 3 ) and have broken MANY other laws including but not limited to : 15 U.S.C 1681 ( 2 ) ( b ) and 15 U.S.C. 1681 ( n ) ( a ).

I have attempted to rectify this situation via an Affidavit ( Attached ) and received replies from the agencie 's that 'my " credit score is valid and accurate. 

On XX/XX/XXXX, I sent all three consumer reporting agencies an affidavit via Certified Mail XXXX XXXX, explaining that they have violated my rights and a way to remedy. 

The credit score these consumer reporting agencies have furnished for me has never been 'authorized ' by me at any time, and the contents of my score are also not valid or correct.

In my affidavit, I annotated the incorrect items which were displayed on my user profile 's on their respective websites.

Each of the agencies wrote back saying that the credit score was valid and accurate.

15 U.S.C. 1681b ( a ) ( 2 ), states : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
There has never been any written consent from me as the natural person and consumer to allow any consumer reporting agency to furnish my consumer report. 

I demand that Experian, XXXX and XXXX remove the items that I annotated in my affidavit ( under Exhibit A ). These items on the score have been illegally furnished on the credit report and should not be there as I do not consent to them. 

Furthermore, I also sent accompanying my affidavit, a Demand for Equitable Remedy.

For breaking the law, and violating my rights as a federally protected consumer, I demand the remedy be paid.

Totaling {$18000.00} for 18 separate violations. 
I am demanding that all three of the consumer reporting agencies ( XXXX, XXXX XXXX Experian ) that were illegally reporting on my consumer report, pay {$18000.00} for XXXX seperate violations. 

To be clear, the Demand for Equitable Remedy is {$18000.00} from each one of the consumer reporting agencies, totaling {$56000.00}. That is 18 violations from each one of the consumer reporting agencies. A total of 56 violations.

I have been denied credit, job opportunities, and financial opportunities because of these inaccuracies.

I have not and do not consent to these items on my report. I demand for them to be removed and I demand to be paid.

I will also submit complaints to the XXXX XXXX XXXX  and the Arizona State 's Attorney.
Product: Credit reporting or other personal consumer reports

I've been dealing with incorrect information on my TransUnion credit report for months doing several disputes. I contacted XXXX XXXX twice within the past month to have it corrected on their end and was told during my second phone call that it was correct on XXXX XXXX XXXX end however it is not. The account is closed and paid in full but it shows in TransUnion as mixed information with an account that is currently open. XXXX XXXX does not show one {$3500.00} payment that was made but it does show that it was paid in full and closed.
Product: Credit reporting or other personal consumer reports

I'm reaching out because I'm interested in filing a complaint against Experian, and possibly XXXX and XXXX, though Experian has caused the most issues. As an XXXX  individual, I legally changed my name in XXXX. Despite notifying the relevant institutions and being assured of updated records, I discovered in XX/XX/XXXX, after buying a new car, that none of the credit bureaus had updated my legal name. I successfully updated my information with XXXX, improving my credit score thanks to merging my credit histories under both names. However, I've had no response from XXXX due to their reliance on physical mail. 

My main concern is with XXXX, which I believe is discriminating against me. They required documents that disclosed my XXXX  status. After following all their instructions, Experian opened multiple disputes without explanation, causing my credit score to drop by XXXX points. Despite multiple inquiries, neither Experian nor FICO provided an explanation, hinting at a possible 'split file ' issue. Further attempts to resolve this with Experian led to a referral to XXXX XXXX, ' which demanded payment for services to fix Experian 's mistake, refusing to acknowledge or rectify their error without cost.

This situation has caused me significant financial and emotional distress. Name changes are common for many reasons, and there's no excuse for the negative impact I've experienced. Given the circumstances and Experian 's refusal to assist or explain their actions, I believe I'm facing discrimination as an XXXX person. 

I would appreciate any advice on how to proceed with filing a formal complaint, case, or lawsuit against Experian to address the financial damage and emotional distress caused by their negligence and refusal to correct their error. I've tried to follow Experian 's instructions accurately and feel I shouldn't be suffering due to their oversight, exacerbated by my XXXX identity.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year>XXXX  My correct Social Security number:XXXX My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX  Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for COVID forbearance with M & T Bank initially on XX/XX/XXXX. A few weeks later I received a bonus payment from my employer. Since this bonus payment was received, I was able to make the XXXX and XXXX mortgage payments. I called customer service and told them I wanted to make a payment, that call removed me from forbearance. 

When the COVID crisis continued and all of my income was effected in XXXX and would continue to be effected for the foreseeable future, I realized needed to get back on the forbearance plan. I applied for assistance on XX/XX/XXXX, see email confirmation attached. Included in this email confirmation was the guarantee that I would not be charged a late fee and no past due payments will be reported to credit bureaus. Instead, my account was charged late fees and M & T bank reported my mortgage as past due during my forbearance, which did not end until XXXX of XXXX. 

M & T Bank incorrectly has reported to all credit bureaus that I had a late payment in XXXX of XXXX, well after my COVID forbearance was requested on XX/XX/XXXX. I called and started three separate investigations with M & T bank, every representative I've spoken with understand the error and said it should be corrected but each time the results of the investigation has been that my COVID forbearance ended on XX/XX/XXXX, not taking into account that there was a XXXX forbearance processed and no payments made on the account until XX/XX/XXXX. 

Since my account was on COVID forbearance and I have proof of that request, I advised M & T bank that per the CARES act they are not allowed to report my account as past due. My credit score has been greatly impacted by this reporting and the result is being declined for loans and only being offered higher interest rates due to their error.
Product: Debt collection

Debt Collector : XXXX XXXX XXXX Opened : XX/XX/2014 ( 3 yrs, 9 mos ) Account status : Open Original Creditor Name : XXXX   XXXX XXXX I did went to the XXXX  XXXX XXXX and When I got there, a XXXX  whom were in training poked me 4 times to get my XXXX and he was doing it wrong. I refused to let them do it the 5th time due to their lack of knowledge of how to place the XXXX, it was so hurt. I said that I'll go home, they signed me a document that I refused to get treated, and I went home without seeing a doctor. It was my last time there. They can not charge me because I did not get any service from them. Please I need this report off my report. Go back to XXXX to investigate because I don't owe them nothing. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX I contacted Experian about the following negative accounts ; XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$5200.00} ), XXXX XXXX  ( Account number XXXX, XXXX opened XX/XX/XXXX, Balance {$1900.00} ), XXXX XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$19000.00} ), XXXX XXXX BANK ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$18000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Vehicle loan or lease

They are violating 15 u.s. code 1681 s 2 please remove this negative item from my credit report. Thank you.
Product: Checking or savings account

To whom it may concern, I am a married XXXX XXXX XXXX and my bank that holds joint account with my husband allowed a bank garnishment ( or levy ) against our marital account without a joint judgement : Judgement is in my husbands name for a small business. This occurred on XX/XX/22 for {$17000.00}. 


The levy was applied without a PA order. From various attorneys I learned that PA specifically requires any collection action against it's citizens first be transferred to PA and served 30 days prior to garnishment Huntington Bank will not reverse the garnishment and release the funds from my paycheck. 

They will not provide a copy of the order. Please HELP!! 

I can't pay our bills with XXXX small children in the home. This is negatively affecting my credit and my ability to pay my own obligations. Ive also been hit with a plethora of returned check fees because of my money ( not my husbands ) that the bank took. 

My understanding is that Marital property is strictly off limits and the bank acted improperly by allowing such a garnishment without a joint judgement and now refuses to even help us understand why. The laws seem clear so I dont know why the bank isnt agreeing to follow them.