23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My file was submitted to this lender over 40 days ago. The co. decided as were were trying to get the loan docs and close by XX/XX/12 that they felt the property was too rural. Its about 15 minutes from XXXX XXXX. I am in a XXXX exchange and now the whole deal is blowing up. They knew from day one the property address and should of stopped the loan in the beginning. I had to pay XXXX for an appraisal and was told it would only be XXXX. Then they did an appraisal review which is attached and that verified property value. They refused to talk with myself or my loan officer. My interest rate was locked and I think they just do not want to honor the rate and canceled, This leaves me in a huge quandry with almost XXXX jepordized because of the XXXX exchange. I am also past my 45 days to identify so even more issues. Please help.
Product: Credit reporting or other personal consumer reports

I have continuously reached out to all three of the credit bureau sin regards to the inaccuracy on my credit report. XXXX has not even responded in30 plus day. These accounts are inaccurately reporting on my credit file and is causing me to lose jobs nor find shelter do to the items reporting negatively on my file. I would like for these items to be properly investigated in a timely manner and removed and blocked from my file. 

XXXXXXXX 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 or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. To following information on my credit report is the result of identity theft and should be blocked : This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed a FTC complaint which is attached. There is a FRAUDULENT accounts on my report which do not belong to me. 
All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. In addition, I demand the following fraudulent ACCOUNTS be deleted from my credit report immediately. 
Please remove the following fraudulent accounts from my credit report : ACCOUNTS : XXXX XXXX  - XXXX XXXX. 
Listed below are the Inquiries that are being challenged 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. MY PURSE INCLUDING MY PERSONAL INFORMATION WAS STOLEN. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching the loan verification letter from XXXX XXXX. These accounts were closed and consolidated into 2 loans, but my credit reports are still showing them open. I would like them removed completely from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1881b Permissible Purpose of consumer report, 15 USC 1681c-2 Block of information resulting from identity theft, 15 USC 1681n civil liability for willful noncompliance. THESE XXXX COMPANIES VIOLATED MY CONSUMER RIGHTS, XXXX  XXXX XXXX WLLING GAVE AWAY MY PERSONAL INFORMATION WITHOUT MY CONSENT, XXXX, AND EARLY WARNING FURNISHED THAT INFORMATION ON THEIR PLATFORM WITHOUT MY CONSENT. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. USC 1681 ( 3 ) ( e ) The term investigative consumer report means a consumer report a portion thereof in which information on a consumer character, general reputation, personal characteristics, or motive living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he or she is acquainted or may have acknowledged concerning any such items of information. XXXX never interview any of my neighbors or close friends during this investigation of my report. These corporations have violated my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I A EXPERIENCING EXCESSIVE DIFFICULTY UPLOADING SUPPORTING DOCUENTS TO THE TO THE XXXX SYSTEM. I AM CONTINOUSLY DISPUTING, HOWEVER THE SYSTEM IS NOT ALLOWING MY DOCUMENTS TO BE UPLOADED. IT APPEARS THIS IS INTENTIONAL. 

TRYING TO SUBMIT ALL OF THE FRAUDULENT 1098 'S REGARDING MORTGAGES TAKEN OUT IN OUR NAMES.

AGAIN, THE SYSTEM SHUTS ME DOWN. 

REGARDING : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX IS INTENTIONALY HARMING US. THEY ASK FOR DOCUMENTS ONLY TO FIND OUT YOU ARE BLOCKED.

IT APPEARS THEY ARE ASSISTING LENDERS IN THE COORINATION OF FORECLOSURES/
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Bankruptcy Reporting in Error To Whom It May Concern, I am writing to formally dispute a bankruptcy account that is inaccurately reporting on my credit file. This account does not belong to me and appears to be associated with another individual named XXXX XXXX. I have never filed for bankruptcy in my life, and this incorrect information is damaging to my credit profile. 

On XX/XX/scrub>, 2025, I visited the United States Bankruptcy XXXX XXXX XXXX XXXX California, located in XXXX XXXX, CA. I spoke with a clerk named XXXX, who verified that my name does not appear in their system as having ever filed for bankruptcy. She confirmed that this information is being reported on my credit report in error. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, you are obligated to maintain accurate and verifiable information on consumer credit reports. Reporting a bankruptcy that does not belong to me is a direct violation of the FCRA. 

I am requesting the following actions : Immediate removal of the erroneous bankruptcy information from my credit file. 

A detailed explanation of your investigation process and the source of the inaccurate information. 

Written confirmation that the bankruptcy has been permanently removed from my credit report. 

Failure to address this error and comply with federal law could result in further action, as I am entitled to accurate reporting and protection from harm caused by false information. Please resolve this matter within the legally required 30 days from the date of receipt of this dispute. 

Thank you for your prompt attention to this serious issue. Please provide me with written confirmation once this matter is resolved. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX Original complaint The merchant bank XXXX XXXX has advised me that they have closed the complaint. I didnt get the funds and now the bank is stating that it went to XXXX area at XXXX. This was checked into by the bank which stated that they do not have the money. It is of great concern as this is for {$14000.00}. The bank stated that they provided the trace to your organization and that closes the case regardless if I get the funds. 

They advised me that this is now resolved per your guidelines and that I will owe the money which I never received due to their error in processing. 

This is a serious problem as I didnt get the money and they are going to hurt me and put my account in collections if I don't pay money that is due to back to me. 

I was called today and last Friday and the call today was much more aggressive stating that this is now my problem to resolve as it is out of their hands. This is not fair or honest as it was not my error it was theirs. I am reaching out to request that this be reopened and to please have a response that shows that the money was refunded or at least found. 

The company stated that the XXXX has no authority to help me the consumer in this matter. I find this not only a problem but a lie based on what it states that the agency does. How can you bill someone money that is not owed? I want to file this as fraudulent or stolen money or possibly money laundering of the institution as they are not helping me. 

I look forward to your help. The person who called me is at XXXX XXXX XXXX. They were not only rude but downright demeaning when I asked for this to be corrected. 

The {$65.00} dollars was located but the larger transaction is lost! How can this be a issue that is my problem? 

The line all of the sudden hung up on me and I am now left at the same spot where I asked for help. 

Please help me. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently notify you that I have become a victim of identity theft, resulting in several fraudulent accounts being added to my credit report. These unauthorized accounts were opened without my knowledge or consent, and I am requesting immediate action to resolve this issue. 

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 have filed an official identity theft report with the Federal Trade Commission ( FTC ) and formally request the removal of these fraudulent accounts to restore the accuracy and integrity of my credit report.
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 use 1681. 

XXXX XXXX # XXXX. # XXXX XXXX XXXX # XXXX XXXX XXXX, # XXXX XXXXXXXX XXXX XXXX # XXXX. # XXXX XXXX XXXX XXXX, # 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX I contacted this company, they did not respond.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Dear Equifax I am writing regarding my previous dispute, submitted on XX/XX/XXXX, about inaccurate information on my credit report. Despite my efforts to have the errors corrected, the matter has not been resolved. This account is clearly still not Metro 2 compliant. This account is still clearly inaccurate & incomplete, so how did you guys even verify this account. Now you guys are neglecting my character & intelligence. 
I am now submitting this second request for an investigation on the procedures Equifax used to verify this account or remove this account off my credit file : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX FIX ERRORS OR REMOVE FROM REPORT Two-Year Payment History ( BS-18 ) ( 3 ) DIFFERENT REPORTINGS FOR PAYMENT HISTORY. HOW ARE THERE 3 DIFFERENT PAYMENT HISTORYS REPORTING? 
NO 30 DAY LATE BUT SKIPPED TO 60 DAY LATE. IF ITS NO 30 DAY LATE HOW CAN IT BE A 60 DAY LATE? 
XXXX : NO 30 DAY LATE BEFORE XXXX, SO HOW DID IT SKIP TO REPORTING 60 DAY LATE IN XXXX, HISTORY IS DIFFERENT ACROSS ALL CREDIT REPORTS XXXX : NONE REPORTING FOR XXXX Equifax : NO 30 DAY LATE BEFORE XXXX, SO HOW DID IT SKIP TO REPORTING 60 DAY LATE IN XXXX, HISTORY IS DIFFERENT ACROSS ALL CREDIT REPORTS High Balance ( XXXX ) HIGH BALANCE IS {$4300.00}, SHOULD BE {$0.00} XXXX : {$5000.00} XXXX : {$5000.00} Equifax : {$4300.00} Last Verified : NO DATE REPORTING. HOW IS NO DATE REPORTING FOR LAST VERIFIED, BUT EQUIFAX SAID THEY VERIFIED? 
XXXX : No Date Reporting XXXX : XX/XX/XXXX Equifax : No Date Reporting Date of Last Activity ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATES OF LAST ACTIVITY. HOW ARE THERE 3 DIFFERENT DATES REPORTING? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date Reported ( XXXX ) ( XXXX ) DIFFERENT DATES FOR DATES REPORTED. HOW ARE THERE XXXX DIFFERENT DATES REPORTING? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Closed Date ( XXXX ) NO CLOSED DATE REPORTING. HOW IS IT THERES NO CLOSED DATE ON A CLOSED ACCOUNT? 
XXXX : No Closed Date Reporting XXXX : XX/XX/XXXX Equifax : No Closed Date Reporting Last Payment ( XXXX ) ( 2 ) DIFFERENT DATES FOR DATES REPORTED. HOW ARE THERE 2 DIFFERENT LAST PAYMENT DATES REPORTING? 
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. If you believe the information is accurate, I request that you provide me with the following : The whole procedure used in your investigation to verify this account.

Verification documents from the furnisher of the disputed information. 
If the disputed information can not be verified or is deemed inaccurate, I request that it be removed from my credit report in compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a validation to this company via certified mail and I received a response however it did not validate that this debt was mine and that they were actually allowed to collect on a debt that has not been confirmed as mine. I receive nothing from them that they are required to send to prove that this is accurate and my debts. However I received a bunch of statements with services and procedures. They are also reporting on my credit reports and they are adjusting the amounts that i supposedly owe in order to re-age this inaccurate and unverified debt.
Product: Payday loan, title loan, or personal loan

ORDERED AN ITEM WITH XXXX. THEY FAILED TO SHIP PRODUCT BUT KLARNA CHARGED ME ANYWAY. I TRIED TO INFORM THEM THAT XXXX  NEVER SHIPPED THE ITEM. XXXX  CREATED A SHIPPING LABEL BUT NEVER SHIPPED THE MERCHANDISE. IT IS IMPOSSIBLE TO GET RESOLUTION FROM XXXX CUSTOMER SERVICE CHAT. THERE IS NO WAY TO DEAL WITH ANYONE IN THE UNITED STATES. XXXX  WERE NOT SUPPOSED TO BILL KLARNA CREDIT WITHOUT SHIPPING. XXXX HAS CONFIRMED IN WRITING XXXX  NEVER GAVE THEM THE MERCHANDISE FOR SHIPPING. XXXX JUST CREATES LABELS AND CHARGES PEOPLE THEN IT IS IMPOSSIBLE TO GET CREDIT FOR ITEMS NOT SHIPPED. 
THE ITEM WAS SUPPOSED TO ARRIVE XX/XX/XXXX ( LATE AFTER FAILING TO MEET THE EXPRESS FEE TIMELINE ) BUT UPS CONFIRMS AS OF TODAY XX/XX/22 ITEM HAS STILL NOT BEEN MADE AVAILABLE TO THEM
Product: Credit reporting or other personal consumer reports

I am writing to formally complaint unauthorized inquiry on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ). This inquiry appear to be fraudulent and were made without my knowledge or consent. Additionally, I am concerned that my personal information may have been compromised as part of the Equifax data breach.

Fraudulent Inquiry Details The inquiry that is fraudulent and must be removed : XXXX XXXXXX/XX/year> This inquiry was not initiated by me, nor did I authorize any entity to access my credit file. Under the FCRA, inquiry that is not the result of a legitimate transaction or permissible purpose must be removed promptly.
Product: Debt collection

The debt collector keeps removing this account then putting it back on. Now they have listed the same item twice on my XXXX  bureau
Product: Mortgage

I am in a state program which is making payments to XXXX XXXX for my mortgage and every month they let it sit and don't apply it. They only investigate once I make a complaint. I should not have to do this, this should be applied more efficiently.
Product: Debt collection

Towards the end of XXXX I began receiving very harsh and disturbing comments from XXXX XXXX at Contract Resolve Group. He has called each week 2-3 times a week since XXXX. I asked him not to call in the beginning of XXXX. He was very rude and combative. He contacted my former partner about a debt I owed. I tried explaining to him that in addition to me owing the company XXXX XXXX XXXX monies they had not resolved a bill that they owed me which makes the amount that they recorded incorrect. He went off stating that they owe me nothing and claimed that I was irresponsible and I just didn't want to pay up what I owed. I asked XXXX not to call my phone again and he continuously calls and he also continues to call my former partner to give me messages. He has gone far enough leaving threatening messages that we have saved, he threaten to report me to the IRS, contact a lawyer to sue me, freeze my accounts, and report me to the XXXX XXXX XXXX. I hang up when he calls, he has called from many different numbers including restricted numbers. I have explained to him that I was uncomfortable discussing anything further with him therefore this was harassment. He continues to call. Please stop this abuse of Authority, he is annoying and very disrespectful.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX - {$400.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Iam a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX XXXX XXXX XXXX XXXX this debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything. I was not even living in the state of Michigan at the time that this debt incurred I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : inform XXXX XXXX XXXXXXXX XXXX XXXX XXXX the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/ my Venmo account was frozen at XXXX central time us. I had received a payment from a friend at XXXX in the amount of {$620.00}. In the email stating my account was frozen Venmo asked that I upload a picture of my drivers license via a link in the email. I immediately complied. Note, I have already verified my id with Venmo at least 3 times in 3 months prior to account freeze on XX/XX/. After I uploaded my drivers license I spoke to customer service and was asked to upload my license again with a selfie of me with license by my face for further verification. I complied. Later on XXXX I was told that my account was still frozen and could take a minimum of 7-10 business days to potentially be unlocked. Ive called and chatted with Venmo at least 15 times since XXXX and keep getting the same answer. They cant tell me why account is frozen, that it will or could be frozen up to 7-10 business days as well as a n account specialist would be in touch on next steps. They did confirm they have all the documents needed and that my id is verified but that I still need to wait for account specialist to review my case. This has put me in an extremely precarious financial situation as I was released from the hospital on XXXX and the {$620.00} in funds frozen in Venmo are all I have. I simply want access to my funds and then to close the account.
Product: Credit card

Closed a Bank of America credit card on XXXX/XXXX/15. Bank allowed a charge to be placed on a closed credit card on XXXX/XXXX/15. I can not believe that this is legal or allowed.