23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Mortgage

Please reference complaints XXXX and XXXX. 

Midland Mortgage is retaliating against me for filing these complaints. They deleted all my information from the first mortgage assistance application ( attached proof everything was submitted on website ). XXXX at Midland Mortgage 's lost mitigation department called me on XX/XX/2021 @ XXXX p.m. and wanted to do everything verbally over the phone. I am not sure another application is needed for a XXXX-day review to extend payment delays as I will explain the house is sold. They are being very crooked about all this. 

I also spoke with XXXX XXXX at Midland ( XXXX ) at length on XXXX and he was having my house de-winterized by XXXX properties. Midland assumed the house was vacant because I moved to a new job in Indiana but I do go home to my house quite a bit on weekends and Holidays ; it has never been vacant, abandoned, or unoccupied. He explained that XXXX may be outside taking pictures to ensure someone was there but I am not under house arrest by the bank and they do not have a right telling me how often I have to be there and I do not have no court order where I have to report to the bank when I come and go in my own home. There is more than enough proof that has been submitted to show I am still occupying and in control of my house. They had no right going in and changing the locks without my knowing or consent. 

The house has been sold. I sent the purchase agreement several times to Midland Mortgage. That was the only other document they were requesting for the mortgage assistance plan process. The buyer 's inspection is complete and all we are waiting for is appraisal ( scheduled ) and then closing on or before XX/XX/XXXX. I am submitting these complaints in hopes of preventing Midland Mortgage and XXXX Properties from stealing my house before the sale is complete. This mortgage company is breaking a lot of laws and violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted company XX/XX/2021 and paid balance company stated the item will be removed from my credit report within 2 weeks. I also disputed with XXXX XXXX and XXXX  and the item has not been removed.
Product: Credit card or prepaid card

I signed up for a credit card that had some attractive premiums including a {$250.00} cash reward for spending {$1000.00} within 90 days. 
I did this through XXXX on line and was accepted for the card. The card was received and I charged XXXX. They also charged {$95.00} for a fee, which I knew about. None of the other cards I have charge fees, but I figured the cash reward would more than compensate me. 
I received my bill and called a very polite lady ( XXXX ) and asked how I would get my {$250.00} and was told that I was not eligible for a rebate. She said it was on the web site when I signed up for the card. 
This is not true. It COULD be in the multiple lines of verbage that is on all applications. I am a pretty good reader. 
I now have a bill for a card that I do not want to use. I prefer to deal with people who are more specific and easy to work with. 
The bill is due on XX/XX/XXXX. I have never paid any interest on a card and have not had a consumer loan since 1974. I need this clarified
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned as to why I have previously filed a identity theft report for some fraudulent information on my file and the company did not do anything about it. 
I have filed the FTC identity theft report as required by FCRA [ Fair Credit Reporting Act ], and have provided my identification, made it clear as to what information resulted from the identity theft and provided a statement from myself as the consumer involved. I sent the documentation via priority express and received a return receipt however, the agent states that they do not see anything that I sent in. The agent stated that when this information is submitted ( FTC report or police report ) the information will be removed without any questions. 
I am sending the information via this portal so that I KNOW and have third party proof they received the documents since I keep having this error. 
I have submitted an online dispute and it did not let me add the documentation like the agent stated. The reference number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint is against Experian Credit reporting company, I have disputed the account with these people numerous times to no avail. The account XXXX XXXX XXXX  was opened in XXXX and I was working in the State of XXXX and have had my personal info hacked thru the U.S. Government who monitors my credit. 

Also this is in violation of Nevada Revised Statutes of which I am a resident of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement.This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Payment Status : Paid Balance : {$990.00} Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX BALANCE IS INCORRECT
Product: Debt collection

The debt was paid but it has not been updated as paid on my credit report.
Product: Credit reporting or other personal consumer reports

This account NEEDS to be showing In Dispute. I have disputed this many times and it should be showing that. Furthermore, XXXX stated this was verified by the creditor via their response on XX/XX/XXXX via CFPB, verbatim. However, they have not accurately reported said verification. As you can see, with the report as of XX/XX/XXXX, I am showing a last verified date of XX/XX/XXXX. This is negligent and inaccurate reporting to my requested investigations. If it was verified, it needs to be updated. Also as requested, if it was in fact verified, per the FCRA I would need to have received investigation results and proof of verification showing alleged late payment, but this creditor did not provide that. 

This displays at least 3 major reporting violations. I would be happy to submit an FTC report to report non compliance with federal reporting laws. 

As you can also see in the highlighted report, XXXX did not even show what month they are stating the payment was late for. This is yet another error. 
_____________ This issue that has occurred was I traded my vehicle in. The new vehicle dealer was in possession of the car as it belonged to them. I sold it to them to obtain a new vehicle. This alleged late payment is completely inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

LexisNexis stated they verified a bankruptcy filing with Pacer records which are public filings even with this argument they have no firsthand knowledge of any such filing which is the requirement of color of law. I am not asking where they got the information but are they lawfully able to verify any such information without actually being a party to any such legal proceedings. This is a yes or no. The bankruptcy court states they do not release any information and violating my constitutional rights to privacy means I am legally able to sue. LexisNexis needs to turn over their verification method they used to lawfully verify this information or else I will proceed with a lawsuit.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian have disclosed my personal creditworthiness to numerous third-party inquirers without a valid credit transaction/credit offer/credit contract or my written consent . As a result, I've suffered an informational injury that has a negative impact on my credit score due to the number of inquiries. The named credit bureaus have refused to delete said inquiries from my credit report despite my request to do so. Many of the inquirers I do not know of, nor did I consent to their access to my personal creditworthiness, and absent a permissible reason to access my personal creditworthiness, the credit bureaus were unauthorized to disclose my personal creditworthiness to said third-party inquirers. Accordingly, it is requested that said inquiries be deleted from my personal creditworthiness.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX Balance : {$1000.00}
Product: Checking or savings account

I opened a checkin/savings account online depositing {$150.00} with BBT. The bank closed the account. I have called them multiple times & gone to the branch a few times, but have not received my initial deposit of {$150.00}. I have proof that the money was deposited from my external bank account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

XXXX XXXX XXXX XXXX E Mortgage Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This person has been sending my personal information to people that i'm associated with and have never provided their information. I'm also not sure how it got my information as I never applied on his company site.
Product: Checking or savings account

Between XXXX my information was wrongfully stolen, obtained, and used to fraudulently open, checking and savings accounts, multiple banking institutions, which I will provide as follows ; 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 
These banks are not allowing me to open up a bank account with them because I am in XXXX thanks to this person that stole my identity and I have made a police report and an identity theft report and I need these records removed or I will take legal action they have to be removed off of their systems and I need to be allowed to be able to open up a bank account so I can proceed as a regular citizen
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX and Notification of FDCPA Violations Dear Equifax Dispute Resolution Department, I am writing to formally dispute inaccurate and misleading information contained in my credit report, which I obtained on [ date ]. Additionally, I wish to notify you of violations of the Fair Debt Collection Practices Act ( FDCPA ) by a third-party debt collector that has negatively impacted my credit report. Below, I have outlined the specific issues and the actions I request for resolution. 

XXXX. Inaccurate Information in My Credit Report The following items on my credit report are inaccurate or unverifiable : XXXX XXXX This information is incorrect and does not reflect my true credit history. I have attached supporting documentation, including [ e.g., account statements, payment receipts, or correspondence ], to substantiate my claim. 

XXXX. FDCPA Violations by Debt Collector In addition to the inaccuracies, I have identified violations of the FDCPA by EQUIFAX INFORMATION SERVICES LLC. These violations include : Harassment, Misrepresentation, & Failure to Validate. 

These actions are in direct violation of the FDCPA and have caused undue harm to my financial reputation. I have attached copies of my correspondence with the debt collector and any relevant evidence of their misconduct. 

Enclosed, please find copies of the following documents : My recent credit report highlighting the disputed items. 

Please consider this letter my formal dispute under the FCRA and take the necessary steps to ensure that my credit file is accurate and complete. I expect a prompt response to this matter, as required by law. If you require additional information, feel free to contact me directly at [ phone number ] or [ email address ]. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : ID & CONSUMER REPORT
Product: Money transfer, virtual currency, or money service

I Am Filing a complaint against Cash App ( Block , Inc . ) Due to inadequate customer service and unfair practices, Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX this year i will be graduating XXXX XXXX  so I decided to pull my credit. I have credit inquiries form XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and I don't even have a state identification as of yet. I did not authorized this and I would like this removed because i dont want to start my journey into adulthood this way.
Product: Mortgage

I am two months behind on my mortgage payments ( I am making the full payment every month but I am behind due to a work layoff ). Wells Fargo sent me a letter stating they are putting my mortgage into a loan modification plan that will extend my payments out another 38 years. I did not ask the bank to do a modification, I do not want a modification and did not agree to this in any way, shape, or form. I have tried calling them and sent them a message through their website but I can not get in touch with them.
Product: Checking or savings account

Today I went to the JPMorgan Chase Bank branch at XXXX XXXX, in XXXX zip code XXXX, to complete the transfer of funds from the decedent account of my mother to an estate account for her assets, as I was appointed by Surrogate 's Court of the State of New York XXXX  County as voluntary administrator of my mother 's estate, and upon presentation yesterday of the court issued certificate for permission to open an estate account in NY and a letter of confirmation from the IRS of the new EIN, a new estate account was created but I was told the bank puts a hold that takes a few hours to clear, so that today I went back to this branch to have the funds transferred into the new account, as wherein a certificate states " JP Morgan Chase Bank - RELEASE DECEDENT 'S FUNDS '', and a personal banking representative went to a teller to present slips for withdrawal from the decedent account and deposit to the estate account then said that the teller sent a texted code to the cell phone number, which in the bank 's file as my contact number and when I said that I don't have my cell phone with me now, she went back to the teller who delayed me for 30 minutes doing whatever she was until I went to the window and asked her why is this transaction taking this long, she then handed the slips to me and said the transaction can not be processed unless I give the code that was texted. I said that I believe it is illegal for the bank to require an estate administrator to own a cell phone in order release the funds. She said that she can not do the transfer because the bank 's system does not let her do so without the texted code. I went back to my home to get my cell phone and saw that the text message from the bank had been sent 44 minutes earlier and said the code is good for 10 minutes. I returned to the bank and the teller processed the transactions without asking for the code or sending a new code to my phone. She said because I clicked the text it could be processed. I had clicked on the text while in my home, she did not see me do that. That is not effective security either as the phone could be lost and it was unknown to her who clicked the text. 
I ask this agency to investigate as to whether it is illegal for a bank to impede the release of funds to an estate administrator by imposing a requirement that an estate administrator must additionally own a cell phone and /or have a cell phone in working order, and /or cause delay to an administrator to have to retrieve a cell phone.

I ask this office to investigate as to whether it is illegal that the bank represents that it uses a texted code as required security but does not require the cell phone owner to recite the code and uses the code which is expired to process the transaction, based on that someone who is outside of the bank representative 's sight clicked the text.
Product: Credit reporting or other personal consumer reports

I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
Product: Credit reporting or other personal consumer reports

I leased a XXXX XXXX XXXX with Ally financial bank in XXXX, the lease was up in XX/XX/XXXX. I returned the vehicle under mileage and without damages. In XX/XX/XXXX, I received an alert from my credit app stating that Ally financial bank reported a {$430.00} fee as a charge off causing my credit to go down XXXX points. I contacted Ally financial as soon as I got this alert. They were unable to give me any information about what this fee was for and transferred me to a 3rd party debt collector, XXXX. XXXX was also unable to give me any information based on what the {$430.00} fee was for. I paid the fee to XXXX because it was effecting my credit score. They informed they are unable to report the fee paid to the credit bureau. I need this fixed immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a certified letter requesting validation for an account on my credit report. As of XX/XX/XXXX I have not received the any updated information and my credit report remains the same. Here is the letter I sent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Validation of Account XXXX XXXX XXXX XXXX Account Number XXXX / XXXX Dear Sir/Madam, I am writing to formally request validation and verification of the following account, as reported on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I am disputing the accuracy and completeness of the information regarding this account : Account Name : XXXX XXXX XXXX  Account Number : XXXX ( XXXX ) Date XXXX : XX/XX/XXXX ( XXXX ) Balance : {$1800.00} ( XXXX ) Payment Status : 90 Days Late ( XXXX ) Legal XXXX for Dispute : Under the FCRA, credit XXXX agencies are required to maintain and report accurate and verifiable information. Specifically : 15 U.S.C. 1681i : This section mandates that the credit reporting agency must conduct a reasonable investigation to verify the disputed information. If the information can not be verified, it must be removed.

15 U.S.C. 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. 
Please provide me with the following information : 1. Validation of the debt, including original creditor and detailed accounting of how the balance was calculated.

2. Copies of any documentation that proves this account and its terms are valid and accurate.

3. The procedures used to verify the disputed account and how it was determined to be accurate. 
If you are unable to provide the requested validation, I respectfully request that this account be corrected or removed from my credit file. 
In accordance with the FCRA, you are required to complete this investigation within 30 days. Please confirm in writing the results of your investigation and any changes made to my credit report. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX, XXXX, XX/XX/XXXX