23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was working with XXXX XXXX and Homestar Financial Corp to get preapproved because I know him personally. Ive worked with him before I am a Realtor. This company has a really bad habit of treating the clients like XXXX if they dont approve for more than XXXX. I approve for XXXX. when I went Binding on my contract on XXXX XXXX, I was told to reach out to another lender because XXXX XXXX was on vacation. They reached out to me two weeks later then they started the appraisal with FHA to tie up my contract. we had to submit a document requesting for his company to release my case number with FHA. They back dated documents and entered The documents to the FHA website under false pretenses that they were my lender when they know they were not responding to any messages of mine until two weeks later by then I already went with a different lender. My Deal almost fell through on my personal home purchase because the lender is money hungry I have text messages along with emails to prove it
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, the XXXX Experian credit score was indicated with 17 hard inquiries including a ( n ) {$1300.00} XXXX XXXX collection. The 17 hard inquiries are now erased ; a ( n ) paid for service : in addition, the XXXX XXXX collection listing has erased. The current score is indicating XXXX ; the hard inquiries cost a ( n ) consumer XXXX points ; the XXXX XXXX collection costs ' a ( n ) student about XXXX points. I want the scoring module to display the character, capacity and collateral listed within my parameter of my everything modulator ; I want the credit score adjusted to the XXXX, for a ( n ) accessible credit given my previous data and erasure ( s ). 
XXXX ) : - ) I recently sent in my XXXX letter of XXXX The letter stated the student loan in it's entirety was to be deleted. I was told of the Experian that there was a ( n ) 'unscorable ' indicated on Experian that kept my credit from being utilized and or accessible. There was indeed valid activity within the previous six months ' to where a ( n ) active usable score should have been indicated dated to XXXXXXXX XXXX XXXX. I spent time calling from ( XXXX ) XXXX, but, the Experian representatives wouldn't listen to reason and logic ; a whole lot of my valuable time wanting the Experian and credit of XXXX and XXXX to function properly. I have previous complaints regarding the FAIR CREDIT ACT report and the facts of my complaint that haven't been answered to 'success. ' This, is my complaint once again. 
Please fix the credit, thus, I may move forward with expenditures, schooling and employment, live endeavors; okay, thank you! : - ) SincerelyXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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.

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

I sent Equifax multiple letters to verify that this account was owed by me and I never received a copy of a application with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following is a list of hard inquires on my TransUnion credit report I do not recognize nor did I authorize. Please remove these inquiries from my credit report as soon as possible XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX credit - XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX Thank you
Product: Checking or savings account

I had written a check to XXXX water Board, After a few months I found out the check which was made out to an official organization was cashed by a random person instead of XXXX Water board. I contacted my bank which was JPM Chase and notified them as soon as I knew, they refused my claim even though it was clearly fraud. The person at chase I spoke to specifically said it was cashed by one of their clients ( i.e chase still has my money ). Chase Teller who cashed the check did not look at front of the check which was made to a XXXX state government organization and gave it to a random person which is illegal. The copy of the check that chase scanned when they cashed it clearly has XXXX water Board and they clearly deposited it into a personal bank account which makes no sense, shows they did not verify the ID to who the Check was made out to. Also shows they did not verify that a person should not get a check written out to XXXX Goverment Agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I'm sending this complaint the current issues on Credit Report. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX, XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX  XXXX XXXX : {$1300.00} XXXX XXXX  XXXX XXXX : {$9700.00}
Product: Credit reporting 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 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 has violated my rights. 

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, credit repair services, or other personal consumer reports

This company has never been given consent by me to communicate with me regarding an alleged debt, nor to furnish information to my consumer report. Doing so, without my consent is an infringement upon my privacy and a direct violation of federal laws. 15 USC 1692c ( a ) as well as 15 USC 1681b ( 2 ). I am demanding that this company delete this account from my consumer report and Cease and Desist any and all communication with me as it relates to the collection of any alleged debt ( s ) by/through all means except for the United States Post Office . 

This company furnished this same account/information to my consumer report TWICE!! 

No consent is identity theft. I will also be filing a complaint with my states attorney general, Florida 's state attorney general, the XXXX XXXX XXXX as well as the U.S. Department of Health and Human Services for possible HIPPA and privacy rule violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the cards To whom it may concern at the consumer financial protection bureau. This account during the pandemic was hacked and fraudulently charged when my passwords were stolen. This way relayed to the company who holds the credit cards and told to reverse the charges, I will not pay for fraudulent charges by an actor unbeknownst to me, so they decided to charge off the credit card. Please remove this charge off from my report as it is inaccurate and predatory given the nature of the outcome from what happened. 
XXXX account # XXXX XXXX account # XXXX Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

After repeatedly being ignored, by all 3 credit reporting agencies, I have no other choice but to escalate this issue. I have sent letters certified and regular, I have made numerous phone calls, and have been stonewalled every step of the way. These companies give me instructions on how to resolve the issue and they don't follow their own protocol. 

I was told to call the creditors- I did that and the creditors tell me to handle it with the Agencies I was told to send in letters certified - The agencies tell me they never received the mail even though I see the parcels have been delivered. 

I call the agencies to follow up - and I get put on hold and wait for them to tell me that My cases were never opened and letters were never received and to send it all over again repeating all of the hard work I've already done multiple times. 

I have multiple late payments that are not accurate seeing as I have all of my accounts on autopay and always have a balance in my bank account. 


Account - XXXX XXXX XXXX XXXX  Delinquent Payments - XXXX & XXXX of XXXX Account - XXXX XXXX XXXX  Delinquent Payments - XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid off TJ MAXX 4.5 ish years ago and there are two different reports on all of my credit reports. One report says current and the other says derogatory. Tj MAXX was supposed to take off the derogatory mark and never did they promised me. 

It has also happened with XXXX XXXX and XXXX both paid off and still have the derogatory reports listed
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by an representative at Westlake financial upon greeting was ask if Im the correct party. I stated where are you calling from twice and representative refused. If you are calling my phone before i verify anything I should be able to know the company asking for the information but Westlake financial failed to provide me that right.
Product: Debt collection

I have a care credit account from XXXX XXXX. The payments are around 225 a month and I guess along the way I missed one payment and the bill has become astronomical that I cant pay it down. My bank statment shows that I have paid these people almost monthly until the bill got bigger and bigger from this missed payment till it was almost 800 dollars one payment. I have called them TWICE and emailed to figure out a payment plan that I can fix this, but both times someone that doesnt speak English well starts yelling and berating me. I try explaining the situation and they ignore and demand I pay this massive bill at once. I emailed and sent proof of the numerous payments I have sent and got no response. They call me excessively but can not talk to a sensible person EVER. So now my credit is continuously tanking because i can not repair this.
Product: Credit reporting or other personal consumer reports

Self Lender reported late payments on my account for the month XXXX and XXXX I paid off the loan before the loan term ending inXX/XX/XXXX and would like this account removed immediately from my report. It is hindering me from obtaining new lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate. 

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, XXXX, and transunion did not modify or removed anything. 

So i asked for the description of the investigation according to 15 USC 1681i. I still didnt receive anything. 
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 XXXX- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

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. 

information furnished is inaccurate. tried to resolve many times before. NEED DELETED for INACCURACIES!
Product: Credit reporting or other personal consumer reports

Please see attachment pertaining to the sham investigation lawsuit that was filed against Experian
Product: Credit card

2 accounts by creditor XXXX XXXX were opened fraudulent on my name both accounts reporting on my credit in result of identity theft, by the name of * XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/scrub>XXXX XXXX XXXX Balance : {$76000.00} FRAUDULENT NOT MINE / * XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXXXX/XX/year> Balance : {$7500.00} FRAUDULENT NOT MINE
Product: Checking or savings account

I called Bank of the West on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to file all the fraudulent transactions that had happened to my account. I called back on XX/XX/XXXX, the representative who answered the phone call told me that I would get all the money credited back to my account by XX/XX/XXXX. However, I called in again on XX/XX/XXXX to get another update regarding my claims. The representative told me all the claims were denied and the reason they denied all the claims was due to some of the transactions were PIN required. In my affidavit, I already stated that my card was lost but they still told me those transactions weren't possible to be fraudulent. Moreover, the representative said since some of the transactions were PIN required, which means all the transactions were denied because of that. I don't think they do enough research and they shouldn't make decision based on other claims result. In the end, the representative even told me that I am no longer able to call in to file or dispute transactions in the future. I don't think they treated me fairly and take this matter seriously, moreover, they even violate my rights to have any reasonable questioning regarding all the transactions happened in my account. Bank of the West only try to avoid paying the customer back the money they got stolen from other people and never help the customer in any way. They lie to the customer first then find another way to stop the customer from getting their money back by the 10 business days deadline.
Product: Debt collection

My complaint is against XXXX XXXX XXXX they are trying to collect on a balance of {$55.00} that is unknown. I am asking this company to send Validation for this debt, not simple verification. They are a 3rd party collection agency brought this debt from the original creditor. This company never attempted to contact me requiring this debt. If this is a medical debt it should go back to XXXX, because I am XXXX and have been on XXXX. The provider or hospital must have submitted the claim wrong. Send this debt back to the original creditor.
Product: Debt collection

This happened during the year of XX/XX/2016 where I had XXXX emergency visit to XXXX for XXXX. During the time, my insurance had my out pocket cost capped at XXXX dollars of medical payment. I have paid my XXXX dollars of out pocket and yet there are emergency room bills that should n't be charged to me at all still kept reminding me that I have to pay the bill. I have contacted the emergency service and my insurance multiple times and yet the bill still went into collection.
Product: Debt collection

In mid 2019 I became aware that XXXX XXXX  was trying to collect a debt from me in the amount of {$3200.00}, however the debt is a result of identity theft and I sent them a debt validation letter and tried disputing the debt with them as soon as I was aware of it. I have also filed a police report regarding the identity theft/debt and have provided a copy to them. XXXX XXXX is currently trying to sue me in court for the full amount of {$3200.00} plus court costs. They have reported these fraud debts to the credit bureaus and they remain the only negative item on my credit reports, because I've always paid my credit cards in full every month for as long as I've had credit cards. This has stopped me from being able to purchase a home and has been negatively affecting my life. I have tried speaking to them and they continue to try collecting on this fraud debt and refuse to remove these lies from my credit report. They have not even provided me with a copy of the original contract when I requested it, and the only thing they can show me is some statements with a wrong address. I wouldn't be surprised if they were the ones who opened a fraud debt in my name and this is all part of some huge legal scam. I will be speaking with an attorney to see if I can counter sue for anything and everything if they do not dismiss this lawsuit.
Product: Debt collection

I received a notification from XXXX  on XX/XX/XXXX that an account has been flagged negatively on my credit report called Nationwide Recovery Sy. I have never heard of this company nor has this company sent me any information or reached out to me about this alleged debt but yet in still felt the need to report negatively on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an account opened in my name in XXXX of 2014 at XXXX XXXX, before I was XXXX years old. There is also another account from XXXX XXXX that was opened. Both of the accounts are fraudulent and I have asked for validation several times from them, and the credit bureau so that it could be deleted from my report. I have not received any validation and the credit bureau keeps updating the account. The last two accounts are XXXX XXXX which is being reported twice on my report, one as negative and one as positive and paid with the same account number, and then there is XXXX XXXX XXXX which is being reported negatively on my report and the account was closed and paid. I disputed both accounts, with no response or validation sent for the accounts. Last, I asked for validation for the collection debt from XXXX twice and still I have not received anything that attaches any of these debts to me. I have never had an account with XXXX.
Product: Credit reporting

Why are credit seekers punished for seeking the best rates? My wife and I recently sought a home equity line of credit and a new car loan. When seeking the best rates, credit issuers check our credit scores which cause the scores to drop. This is ridiculous. This is the only situation in which a consumer is PUNISHED for trying to get the best deal. I understand why it would affect the credit score when a person applies for multiple credit cards. But there should be a protected class of inquires including mortgage and car loan inquires which do not damage or lower a consumer 's credit score.