23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was instructed to bring down money orders by a remote counselor with NACA to the XXXX office. While there, I was threatened by one of the counselors. At this time, I do not feel safe with the counselor and receptionist having access to my personal information such as my social security number, bank accounts, credit report, address, and children 's personal information.I requested from the District Manager to have my informational locked and secured in their system but he has yet to respond. I do not feel safe at this time with people who are threatening me who have access to my personal information. XXXX, the counselor who threatened me made it seem like he was going to do something with my personal information. I do not want to be a victim of identity theft and I do not want anyone having access to my bank account information to be stealing money out of my account. The staff at that office has been caught in numerous lies on voice recording. With these kind of practices, it leads me to believe they will use my personal information other than what it is intended for. NACA has several complaints online about the professionalism of the mortgage counselors which is what makes me feel like they do n't follow any ethical procedures. I do not want to risk any of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

We sold our house when it was past due, but were able to get the sale completed before the foreclosure occurred. The account is misreporting the status as " Foreclosure '' and the comment " Foreclosure proceeding started '' is not valid either on EXPERIAN. The account is reporting correctly to the other two bureaus. This is inhibiting us from being approved for a new home loan and demand this error be corrected ASAP. I have tried to contact the bank but unable to get through to someone able to help.
Product: Credit reporting or other personal consumer reports

I took action to correct my Experian credit report by sending certified mail to Experian, XXXX XXXX  XXXX, XXXX, XXXX  XXXX on XX/XX/year>, XX/XX/year> and XX/XX/year>, disputing several unauthorized entries, and demanding proof of their legitimacy. 

Accounts on dispute : XXXX - XXXX XXXX - XXXX
Product: Mortgage

On XXXX XXXX, XXXX, I was looking to purchase a home. I found a home in my price range with the company XXXX. XXXX. The sales agent XXXX XXXX informed me that I had to put down {$2500.00} and since I was going XXXX that I would get my money back at closing. I gave XXXX XXXX the payment on XXXX at that time not one time did it say that my money " non refundable '' or I would not have given that amount of earnest money. On XXXX I met XXXX XXXX to go over the loan process. At that time I told her that I could n't afford an XXXX mortgage and that my earnest money was not to be part of the down payment she told me that she would get with XXXX XXXX about it. I told her that I would get with my realtor XXXX XXXX about the matter. In the coming weeks nothing was mentioned about the matter only about missing paperwork they needed to complete the loan application / process. My closing date was XXXX XXXX, on XXXX XXXX about an 2 hours before my final walk thru XXXX XXXX informed me that I was n't able to get the house but they have another house. XXXX XXXX I viewed the home and told XXXX XXXX that I would buy if the price was right and that I was not paying {$1800.00} that I could not afford that. He called XXXX XXXX from the house and she informed him she had room to work the numbers and it would not be XXXX. On XXXX XXXX I met with XXXX XXXX and again indicated that XXXX I could n't pay when she presented me with a payment of XXXX for a house {$23000.00} cheaper than the first house but my monthly payment would be XXXX in difference from the first house. I received emails for the next couple of weeks to send paperwork to complete the process but I did n't, due to my son becoming ill. I informed XXXX, XXXX, and XXXX that I was not going thru with the purchase due to the fact` that could n't afford the home. I was told that I had to submit a cancellation letter. After I presented the letter about a week later I was contacted by DHI Mortgage asking if I changed my mind on the house. I responded with no then was told " well your earnest money is non-refundable '' and told I have to sign a letter stating that. I have reached out to DHI Mortgage with no reply. since then they have sent me a bill {$420.00} for a appraisal on the second house that I never ask anyone to do, but I am told I must pay..
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I made a settlement offer with XXXX for three payments of {$2600.00} each. This should have satisfied my account in full, even though it was settled. Accordingly, I need XXXX XXXX to finalize my credit report to show XXXX balance, settled.
Product: Credit reporting or other personal consumer reports

My consumer rights have been violated due to non compliance of federally guidelines with XXXX, XXXX, Equifax According 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) bill of exchange act FCRA, Consumer Bill of rights.
Product: Credit card

I am a XXXX XXXX XXXX ( XXXX ) credit card member and account holder and routinely receive promotional offers emailed to me. After receiving a few XXXX email offers for XXXX to XXXX bonus miles ( depending on the email ) I felt enticed enough to investigate my options and sign-up. 

Within the body of the email ( which one can view as a webpage as well- I elected to do so ) there are a few references to " provide your XXXX XXXX number when you call XXXX. '' Alternatively there are several other references to " click on a hyperlink [ to view all packages ] or call XXXX. " Wanting to thoroughly understand my options and obligations I elected to follow the " view all packages '' hyperlink. When following the hyperlinks as a consumer you are then exposed to alternate XXXX content. Specifically for the XXXX, within a few clicks I was presented with different phone numbers to call to sign up for XXXX ( e.g. through the XXXX site, XXXX site, XXXX site ). Unbeknownst to me, as XXXX explained when I inquired about my missing miles ), the number I eventually dialed after viewing all packages as advised by the promotional offer was for a retail vendor and " does n't qualify for mileage awards. " I find the promotion incredible deceptive and poorly managed. The links, content, and offer should have been self-contained. Instead I seamlessly clicked from one link to the next ( all from following the direction in the initial promotional email ). I had no way of knowing that I was suddenly working with a vendor/subsite that would n't make me eligible for the miles. 

When signing up the vendor apologized and said he was n't familiar with how to process the mileage credit and asked me to contact XXXX for clarification. Not thinking anything of it at the time, I called XXXX and they told me to take it up with XXXX. I was stuck in the middle and bounced inbetween both organizations before finally convincing XXXX to investigate the mater. More than 2 months later, after repeated phone calls, emails, to XXXX ( most without XXXX acknowledgement or follow-up ) I was notified I would n't be getting the bonus miles. The reason - " your account was n't eligible for the promotion because your order was placed with a retail vendor and it does not qualify for Mileage awards '' - a vendor I engaged by following the promotional content emailed to me by XXXX. 
I 'm now without my mileage bonus. Stuck in a 2 year contract with XXXX. Paying more for similar services I had before ( TV, internet ). And had a credit hit against me for the sign-up.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Transunion for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Transunion for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Amount : {$9900.00} XXXX previously submitted a dispute to Transunion regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, Transunion failed to conduct a thorough investigation and the disputed account remains on my credit report. 
As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Transunion failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress. 
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Transunion upholds its obligations under the law. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Debt collection

I have a account that should had never been put on my credit reports I applied for assistance threw the hospital and was approved. because I was on public assistance at the time and the hospital told me I was approved. and the bill would be paid threw the hospital.
Product: Debt collection

COLLECTION PROFESSIONALS, INC has placed an account on my file for collection which is not mine, i have no knowledge of this Debt nor this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and found that Kohls has been reporting a balance of {$510.00} on a charged off account updated on XX/XX/2023 to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A charged off account is being reported incorrectly on my Experian credit report. I have submitted XXXX disputes regarding this issue. 

Dates these said thorough investigations were complete and deemed accurate : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The payment history of the account should not be reporting XXXX  days after the account was charged off and we are WELL over XXXX  months. This manipulates the date of last activity which directly impacts the statue of limitation for this account. It insinuates that the charged off status is more recent than it actually is. 

I have disputed this many times after giving them ample opportunity to update the account. This is greatly impacting my credit profile.
Product: Credit card or prepaid card

In XXXX purchased a puppy from a breeder, no paper work was provide, didn't have to sign anything. The breeder was pushing puppies with no paper work, the breeder preferred cash but told the merchant I would only pay with credit card to protect my purchase. Took my pup the next day to the XXXX, and my puppy was very sick. He had XXXX due to XXXX infestation and in poor health, i spent over $ XXXX and countless XXXX  visits to bring this pup back to good health as he was so sick and i was afraid he would die. I placed a dispute with Truist who is the issuer of my credit card. I submitted 32 pages of documentation from my XXXX along with USDA paper. The charge was for {$1700.00} ; after a few weeks Truist credit my account, and I was told that the credit would remain permanent and that the investigation ruled in my favor. Today, I received an email from Truist to advise me that the credit has been removed from my account and that the merchant provided document evidence to support their charge of {$1700.00}. i reviewed the paper work supplied by the merchant and the receipts are NOT in my name, they are in other people 's name, address, and phone number. Confused I contact Truist and they told me the merchant repre 'd with documentation, and even though it does not have my information listed, i am still responsible. I was sick to my stomach knowing my bank can hold me accountable for someone else 's purchase!
Product: Mortgage

We, XXXX XXXX XXXX, and XXXX XXXX XXXX are filing a formal complaint against Fulton Bank for refusing to remove XXXX despite the fact that we are at 745 % of XXXX ratio ( below the 78 % ) Home Appraisal was completed by a licensed appraiser ( his license is attached ) that the BANK CHOSE to purchase/settle our new home loan. This was a new construction loan. 

The appraisal is attached. Appraisal of home is {$510000.00} on XX/XX/XXXX. 

Our loan amount is {$380000.00}. ( also attached ) Payments start XX/XX/XXXX I have contacted XXXX and was told that we would need to pay {$450.00} appraisal to remove XXXX- I explained that it was only a week that we had an appraisal on home. They said we needed to pay them {$450.00} for " their '' appraiser to do service. ( XXXX is who hired first appraiser, who was licensed. ) THIS IS A SCAM. 

I have also emailed XXXX XXXX Loan Specialist, XXXX XXXX at XXXX to request XXXX  be removed, and neither responded to the email. That was sent on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against TransUnion. 

Account Information : Creditor Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, TransUnion has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. 

The violations committed by TransUnion include but are not limited to : Failure to conduct a proper reinvestigation following multiple disputes Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against TransUnion for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that TransUnion upholds its obligations under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly, I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this several times. I have submitted documents to show the proof of payment. On my report XXXX XXXX XXXX is listed for a charged off debt. I was sent a letter showing the charged off debt was sold to XXXX XXXX XXXX XXXX. It is illegal to still list XXXX XXXX XXXX on my credit report and verify it as valid when I have submitted the letter I was sent that states the debt was sold to XXXX. It would XXXX 's responsibility to list the debt. Experian can not validate XXXX XXXX. Ive mailed XXXX letters after this asking how this debt was verified with no response. It has been XXXX days and I have yet to still receive a response on how this debt was verified. In addition to, I sent a certified letter to XXXX, stating that upon cashing of the payment sent they are agreeing to settle debt in full with no reporting to my credit report. I have also uploaded proof of payment that XXXX has indeed cashed that Cashier 's check that was sent directly by my bank. Experian Credit Bureau is refusing to remove it from my report even with provided documentation and states the debt is remaining on my report. They must remove because they did not provide verification or a response within XXXX  days. Again this is a violation of FCRA Laws and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not make the citizens bank inquiry on XX/XX/2019 and reported it as fraud to citizens bank immediately and disputed the inquiry with XXXX and XXXX did not remove the dispute.
Product: Mortgage

I am a XXXX and have been trying to close on a house for a client since XXXX XXXX. It has been over 115 days since the lender has had the contract. At first they loan was for a VA loan. A few days before we where supposed to close the lender says that my client does n't qualify for a VA loan. Something that should have been figured out in the Pre approval process. Did you serve two years or more? Or did you do a full tour? My client did n't meet that requirement. But he paid for a VA appraisal. So then we switched the loan to a FHA loan. We extended the close another 30+ days and extended a again after that. The sellers where very nice in extending and they had a contingent house based on the closing of this transaction. The FHA appraisal took forever and once it came back did n't get uploaded correctly. With all of the issues that this loan has had you would think that the lender would have been in constant contact. I heard from the loan officer 4 times on the phone after I would have to call him repeatedly to get a answer. I went over his head to the branch manager and she did n't know anything was wrong with the loan. The Lender had no since of urgency in getting this transaction closed. With the lack of communication from the lenders and that they kept making promises to close the loan yet week after week it did n't happen. My clients have now lost the home that they where trying to buy and they do n't have a place to live because they had to give a notice that they where moving. They have spent over {$1500.00} to try and get this home and have nothing to show for it. And because they are a FHA loan they might not have the funds to go after another home with all of the costs of inspections, appraisals, and the 3.5 % down payment. Through out this hole process the lender has taken no responsibility and has dropped the ball many times. I feel bad for my clients because at the end of the day he did serve our military and they do n't deserve to be not cared about by a big lender.
Product: Debt collection

I sent a validation letter back in XX/XX/XXXX to Ability Recovery Services LLC, and the debt was not validated. I disputed with the credit bureau and the account was deleted from my credit reports. Now when I pull my credit report again, Ability Recovery Services LLC is back on my credit report again. I sent another debt validation letter on XX/XX/XXXX and haven't heard anything again.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Company put these inquiries on my credit without my consent. I have no business with these companies at all. 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX the credit reporting is a total farce. They never resolve and always take the lenses position. Humiliating and attempts leave nothing but legal action. Here is there last report. They refuse to accept my input stating it's resolved! IT IS NOT AND NEVER IS!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand you agency to remove this incorrect report as soon as posible.