23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2019 my spouse and I made a joint application for a mortgage with Supreme Lending. We received our pre-approval letter for $ XXXX. Without notice they ( Supreme Lending ) removed me, so it was only my spouse as the borrower and suddenly I was not on the loan! Supreme no longer included me in communications, emails and even needed me to " gift '' my spouse an additional $ XXXX more than the $ XXXX I already had to reach the $ XXXX needed for him to be able to purchase the home we found. I was ignored when asked why I was removed from our joint application. I never received a letter declining credit ( I thought required by law within 30 days of applying for credit ), where there would have been explanation and given me recourse to dispute the decision. I asked Supreme in writing to supply me with that letter stating why I was declined, since I had been removed, I was legally entitled to a letter explaining why I was declined credit. Now to add me to the mortgage we will need a new mortgage, new closing, also new closing costs and a new interest rate, so more money, yet the first mortgage there was no explanation to why I was removed. We had one house during this home shopping that we as a couple decided not to purchase. When we did that,  Supreme Lending did send a decline letter. That letter was sent to only my spouse and the explanation was buyer changed mind ( or something along that verbiage ) either way they excluded me but followed credit law and sent letter explaining why credit was not being granted, but only to my spouse not to both applicants. Since getting the mortgage with Supreme I have written to them and asked for the letter they should have sent and the only letter Supreme sent was the letter Supreme sent to my spouse. Supreme never sent anything to me to explain my standing. My credit was hurt by the hard-hit inquiry from our joint credit application, then no credit being granted and the future expenses to correct this. What recourse do I have against Supreme Lending for how they discriminated against me? Also I believe by the total disregard to women they do this to others as a way of business so there are others being hurt and will continue to be hurt.
Product: Credit reporting or other personal consumer reports

I just looked at my credit report from Experian XX/XX/XXXX. I saw some hard inquiries that did not have permissable purposes. I have attached evidence. 

1. Name : XXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

2. Name : XXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

3.XXXX XXXXXXXX XXXXXXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

4.XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

4.XXXX XXXX XXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

4.XXXX XXXX XXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

4.XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

5. XXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

6. XXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

7. XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

8. XXXX XXXX XXXXXXXX. Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b. 

9. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX This inquiry does not have permissable purpose to be on my credit report. Delete this inquiry due to violation 15 USC 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. I have been attempting to clean-up my credit since XX/XX/2022. I have sent letters to all three credit reporting agencies in an effort to have numerous Inquiries removed from my credit. I have not tried to obtain credit, accept pre-approved credit cards to help build my credit. No one had my signed approval to obtain my credit file. 
XXXX. I also hired XXXX XXXX XXXX to assist with the incorrect open collections on my account. They have been successful but there are still collections that are incorrect. There are medical open collections on my account. I have always had insurance. These are not my accounts. I have had surgeries to replace hips. I had insurance and would have paid. 
XXXX, Now almost 15 months have transpired, and my credit report has not improved. I find two more collections on my report. I personally wrote this company and requested copies of documents or invoices with my signature to prove validity. They never provided such and put it on my credit report. I am sending my XXXX correspondence to these agencies. I need help. I am XXXX XXXX XXXX this XXXX and the credit bureaus are hurting me financially for no reason. I am very careful to have no negative remarks under my name.
Product: Credit reporting or other personal consumer reports

Dear Mam or Sir I ordered merchandise at Macy 's in XXXX XXXX. 
The order number is XXXXThey  gave me tracking number. The estimate delivery date was XX/XX/year> so i checked on that day. The delivery status was delivered. Also, I received XXXX mail from Macy, s XXXX XXXX which is my package is delivered. But my package was not front of my door. It was missing. The XXXX deliverer left my package So i called Macy 's customer services and i told this issue to the representative. The representative said that i can get credit within XXXX business days. But it was not. I had to call XXXX more times but never resolved my issue. Finally, I dispute my transaction XX/XX/year>. 
I received mail around first week of XXXX from Macy 's billing adjustment department, they said my information i provide about the dispute with the information, it wasn't enough to support my clam and resolve the dispute, They said, " If we do not receive the minimum payment by due date shown on your billing statement, we may report my account as past due to the consumer reporting agencies ''. When happen same issue do consumer have to responsibility? I think that this is not fair. Thank you.
Product: Credit reporting or other personal consumer reports

please delete the following account and inquiries Account Name : XXXX XXXX XXXX Account Number : XXXX  When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX  When was the Account opened : XXXX XXXX, XXXX Account Balance : {$360.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX  Account Number : XXXX  When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$5900.00} Account Name : XXXX XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$190.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  When was the Account opened : XX/XX/XXXX Account Balance : {$540.00} Account Name : XXXX Account Number : XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX When was the Account opened : XXXX XXXX, XXXX Account Balance : {$190.00} Account Name : XXXX Account Number XXXX XXXX When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX  When was the Account opened : XXXX XXXX, XXXX Account Balance : {$190.00} Please Delete Fraudulent Hard Inquiries Immediately thats listed below XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted official documents along with a personal letter to the original creditor XXXX, that undeniably dispute ownership and responsibility for the account that is currently being reported as delinquent by Plaza Services llc, debt collector. I submitted a dispute for inaccuracies and reported fraud to the credit bureaus and Plaza Services to investigate the validity of ownership to the debt from XXXX. Plaza Services continues to report inaccuracies file against without providing information to validate and identity ownership, agreement terms, contract enforced by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting incorrectly on my credit report. It reporting as derogatory information. I have never had a loan with this company, the account is showing I have a missed payment with them and that's not correct. I have attached the receipt. I need XXXX and TransUnion you to fix this account asap.
Product: Debt collection

I have a debt collector coming after me for a debt that I admit I have, the problem is that the debt collector is saying I owe over double the original amount. The FDCPA ( fair debt collection practices act ) states ; Collectors can add fees or interest ONLY if the amount is expressly authorized by the agreement creating the debt. Due to the fact that this is a medical bill the original agreement does not have interest or late fees on this debt therefore against the FDCPA regulations. They should not be able to pursue this larger amount of what I originally owe. It is against the law. I have no problem paying the original amount, but they have added so much interest that it is now close to impossible for me to take care of this amount they say I owe.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXX 

On the XX/XX/XXXX XXXX, the billing cycle closed on XX/XX/XXXX with payment due on XXXX the XX/XX/XXXX Statement, the billing cycle for closed on XX/XX/XXXX with payment was due on XX/XX/XXXX. However, on XX/XX/XXXX Statement, it shows that a LATE PAYMENT FEE was placed on the account on XX/XX/XXXX. This late fee was placed on the account before the ending of the billing cycle for XX/XX/XXXX and XX/XX/XXXX. The date the late fee was applied was also before the Billing Due Date for XX/XX/XXXX or XX/XX/XXXX. As such, the subsequent 30 Late Payment for XX/XX/XXXX is completely inaccurate. 

On the XX/XX/XXXX XXXX, the billing cycle closed on XX/XX/XXXX with payment due on XX/XX/XXXX. On the XX/XX/XXXX Statement, the billing cycle for closed on XX/XX/XXXX with payment was due on XX/XX/XXXX. However, on XX/XX/XXXX Statement, it shows that a LATE PAYMENT FEE was placed on the account on XX/XX/XXXX. This Late Fee was placed on the account before the ending of the billing cycle for XX/XX/XXXX and XX/XX/XXXX. The date the late fee was applied was also before the Billing Due Date for XX/XX/XXXX or XX/XX/XXXX. As such, the subsequent XXXX XXXX XXXX for XX/XX/XXXX is completely inaccurate and needs to be removed from my credit report immediately. 

Additionally, XXXX is reporting that the Payment Status of the Account is 60 Days late. Experian is reporting the account as 30 Days Late. Neither of these are accurate. 

I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

I am a natural person, consumer writing this complaint and not a credit repair company. 
Thank you for taking the time to review my complaint. 
It has come to my attention that if any individual or company uses your no public personal information to create an account, thats identity theft. 
I am writing today related to an account listed on my consumer report. While reviewing my report I noticed an entry made by XXXX XXXX XXXX for the amount of {$2300.00}. I disputed the item attached on Monday XX/XX/2022. Following the dispute XXXX XXXX XXXX deceptively attempted to settle this alleged account for {$1200.00}. I did not respond. 
I have never initiated any transaction with anyone employed by XXXX XXXX XXXX nor gave this company permissible purpose for any account to be furnished on my consumer report pursuant to 15 USC 1681b ( a ) ( 2 ).

The reporting of these account is/are violations of 15 USC 1681a and also constitutes identity theft. 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Send me every document pertaining to this entry used to validate this debt, including, a summary of rights, verifiable proof of contract, Complete account history, including any additional charges added, names, addresses, and phone numbers of everyone contacted during your reinvestigation. The FCRA says that these companies has to tell me this in 15 days if I ask. Also, what is the date of the commencement of delinquency? Dont provide the generic 7 years response. I am aware of that. Tell me specifically when this account allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So which is it?

I refuse to pay this debt, pursuant to 15 USC 1692c ( c ). I wish to terminate all further debt collection efforts related to this entry with XXXX XXXX XXXX, Transunion, XXXX, XXXX, through all mediums except by mail. I also wish that this alleged account be sent back to the creditor immediately. 



In the absence of information mentioned above, I demand this entry be deleted immediately from all consumer reporting agencies. 
This damaging entry has only added to my emotional distress and anxiety and decreased my credit score. I appreciate your prompt response to my concern.
Product: Debt collection

XX/XX/year> @ XXXX XXXX a 2 minuted call - Received a call from a XXXX speaking representative from Transworld Collections for a debt that is not mine. Mistaken debt belonging to my exhusband and his wife for an XXXX bill - not my debt. The caller from Transworld proceeded to call me a liar when I stated this was not my debt. This caller is harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is showing that I have a Charged off / Collection for child support - this is an invasion of my privacy they are in violation of inaccurate reporting and violation of 15 usc 1692 ( a ) this accounts needs to be DETLED at once. This is preventing me from getting approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX are all reporting improper information. I also believe I am victim of identity theft and/or data breach. My credit scores and reports have been compromised because of it. I tried Disputing with the comoanies directly and thing were not properly handle. 

Hard inquires i didnt authorize : 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 XXXX XXXX XXXX XXXX
Product: Consumer Loan

I have an auto loan with Regional Acceptance Corporation that I opened in XXXX. I have been paying on this loan for more than 5 years giving them almost XXXX a month. The loan amount was {$16000.00} and they are telling me because of interest and late fees that I still owe them over {$10000.00}. As of last month, I have paid them a total of about {$22000.00}, so they are telling me that I have given them {$16000.00} in late fees and interest. When I purchased this car I felt like I was being pressured and plowed down by XXXX people in an office at XXXX XXXX in XXXX XXXX FL and they found this finance company for me. I am scared they are going to reposses my car which by the way was not even new it was a XXXX when I bought it and only worth about {$12000.00}. I have been struggling to pay for this car since the beginning and I have been taken advantage of to the extreme. I do n't want this on my credit so I continue to pay for it. I feel like I was open prey and that this is very very unfair practice. They have no reason to continue making me pay for this car. They already got the entire sum plus more! Please someone help me. Thank you.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Credit Reporting FCRA Violation Dear Credit Reporting Agent I am writing to formally dispute the reporting of an account that you hold on my credit file, which I believe violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( XXXX ) and the Uniform Commercial Code ( UCC ). The account in question is associated with opened on XX/XX/year>, for the amount of {$1000.00}. Upon reviewing my credit report, I noticed that the account does not accurately reflect the payment status. Specifically, it fails to indicate that the account was " paid less, '' which misrepresents my payment history and adversely affects my credit score. According to the FCRA, all information reported to credit reporting agencies must be accurate and complete. The failure to report the correct payment status violates federal law. 
Additionally, the UCC mandates that all parties involved in a credit transaction must report accurate information regarding the status of accounts. Given these violations, I hereby demand that you rectify this reporting error immediately by updating the account information to reflect the accurate payment status of " paid less. '' Furthermore, I request that you remove this account from my credit files with all credit reporting agencies if you can not provide accurate reporting. Please provide me with written confirmation that you have received this dispute and the actions taken to resolve it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I checked my credit report to find several discrepancies, inaccurate information, and unverified accounts on all 3 of my credit bureau reports. I sent in dispute letters to each bureau, that specified which accounts were inaccurate, and asked for them to VERIFY or DELETE each account. By law they have 30 days to respond or verify and only XXXX  has responded. I am asking that you have XXXX  and also TransUnion DELETE all of my disputed accounts, and also fine these companies for reporting false credit information. XXXX did respond but they have not actually verified any of the accounts with signatures or original documents, therefor the disputed accounts should be removed from their credit report as well. I will attach each complaint letter I sent to each bureau with dates, as well as my receipt from the post office that shows proof that each bureau has had a copy of their respective letters for over 30 days. 

Thank You
Product: Debt collection

I got a call on my cell phone, work phone, and a friend 's phone from a XXXX XXXX XXXX stating that, " I am with the legal offices of XXXX and XXXX, we have been retained, we have multiple infractions, several violations being filed against you in our office. At this point there is a pending services summons involved. If you wish to settle this matter before we seek appropriate relief before the courts of proper jurisdiction at all, I strongly suggest either you or your legal representing party return this call before XXXX XXXX eastern standard time this evening. My toll free number is XXXX. Thank you. '' I called the number and a XXXX with Client Services answered the phone. I asked what business I was calling and he said I was calling an attorney. I asked again, what business the attorney worked for and was told that he didn't want to re-hash everything. He wanted to know if I wanted to handle the debt I owed before they took legal action. He said I owe {$120.00} to Advance America which has been paid off for years. I asked who owned the debt and he said " XXXX XXXX ''. I AGAIN asked for their mailing address and was told AGAIN that he didn't want to re-hash anything. He asked my to confirm my phone number and DOB and wouldn't give me any info. When I told him I was going to report him to the FTC, he started SCREAMING at me to pay my debt. I hung up. This is clearly a scam and they need to STOP CALLING people. 

Please note that they called from a local number of XXXX but the call back number was out of state. 

Thanks!