23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my 3 free credit reports. Experian is not recognizing me. When i tried to reset my password and try tocorrect the wrong information they have about me, they sent my password and id to a RANDOM STRANGER at " XXXX '' -- - who is this????? Ive tried 9 different phone numbers to try to talk to a human! No human!! The automated voice does not recognize me or my request. The auto voice doesnt have option for EMERGENCY -you gave my info to a stranger! I cant put a block or freeze because im applying for an appartment tomorrow. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an updated copy of my credit report, and when I looked at it, I found that some of the information was inaccurate. The three credit bureaus must verify these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Due to the letters of protest I have been submitting to the credit bureaus, I assumed this issue had already been resolved. But I'm upset that the credit reporting agencies did nothing to fix their error and update my credit in their files. It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following false information in my credit report needs to be looked into and corrected : XXXX. XXXX XXXX XXXX XXXX XXXX : {$570.00} XXXX. XXXX XXXX XXXX XXXX : {$1300.00} XXXX. XXXX XXXX XXXX XXXX : {$4000.00} XXXX. XXXX XXXX XXXX XXXX : {$8600.00} XXXX. XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX. XXXX BANK XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX. CXXXX XXXXXXXX XXXX Balance Owed : {$0.00}, and XXXX. XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate bankruptcy information that is still being reported on my credit reports by XXXX, XXXX, and TransUnion. The incorrect information is as follows : Bankruptcy Filing Date : XX/XX/year> Bankruptcy Case Number : XXXX I have documentation from XXXX confirming that the bankruptcy information has been removed from their records, and I have also received a letter from the bankruptcy court stating that they do not report bankruptcies to credit bureaus. Despite submitting this information to the credit bureaus, they have failed to remove the inaccurate bankruptcy from my credit reports. 

This inaccurate information is negatively impacting my credit score and causing ongoing financial harm. I request that the CFPB investigate this matter and help facilitate the removal of the inaccurate bankruptcy from my credit reports with all three major bureaus.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX ending in # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any items listed on an ID THEFT REPORT. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$700.00} RESIDENT VERIFY XX/XX/2021. According to FCRA Section 605B ( a ), the Credit Bureaus shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I was scammed from XXXX XXXX XXXX and these people opened an account with Wise Bank in my name, XXXX XXXX. After several attempts of XXXX trying to transfer fund up to {$49000.00}, Wise Bank suspected fraud. I filed a dispute with Wise Bank to refund me the {$450.00} that was remaining in the account. I never received the {$450.00} and I can no longer access the account or speak to anyone at the bank.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX XXXX on XX/XX/2022.
Product: Debt collection

Was making payments when i went the office after see by doctor. Never gave me receipts. Paycash .now there lawyer put it in collections ruding my credit score.please help to take care of this problem .eye doctor. Oh by the way had to find another doctor after my XXXX  XXXX. Wish was hard to do stressful.
Product: Mortgage

I contacted Ditech customer service to change the date money for mortgage payment would be debited from my checking. They said, '' Sorry. We need more than 1 day to do that. '' I asked to speak with a supervisor but after numerous attempts the agent admitted that no supervisor was available. I said I would wait and she transferred me to voice mail
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXXXXXX 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 or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX  XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXXXXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Recently reviewed my credit report and notice fraudulent activity please investigate XXXX, EQUIFAX, XXXX & Other reporting companies
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX, personal XX/XX/XXXX XXXX XXXX {$51000.00} {$51000.00} XXXX {$16000.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not give consent or authorize the following inquiries on my credit report : By obtaining my Equifax consumer report on the dates below without my permission, or without a permissible purpose by law, this is in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have not initiated any transaction with the companies below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of the companies below for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than XXXX XXXX  or both. 

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found item ( s ) to be in error : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.
Product: Vehicle loan or lease

I inherited a vehicle when my fiance died in XX/XX/XXXX. The car loan had been paid completely off just a month prior to death. I attempted to obtain the vehicle title when it was never received after pay-off of loan. I called the servicer, Chrysler Capital, and spent approx an hour trying to navigate the automated system, was placed on hold, and my call was " dropped. '' This went on for 2-3 cycles. I decided to write to the address shown on the statement, also sending CA XXXX forms for the lien release, etc. I did that in XXXX or XX/XX/XXXX. I never received a response. Then the pandemic hit and I quit trying out of frustration. The calling/automated phone system at this company is nearly impossible ALL the times I have called, and the frustration level was off the chart. I gave up. Well, it is now 2.5 years later and I still have no title. I went to the XXXX office to see if I could get it there. They advised me that I had to get it through the Chrysler Capital title dept. 
On XX/XX/XXXX, I took this vehicle to XXXX to sell it. I need the money to cover my bills for the next few months since I have been off work due to a XXXX XXXX. 
Once again, the cycle of phone frustration in reaching someone at C.C. to request title began. 
The service assistant at the dealership and myself were tied up on the call for nearly an hour trying to pin them down on what was needed to get this done. I was asked to fax the death certificate, dmv forms, a copy of the Will/Revocable trust were submitted. 
I asked for an estimated time frame for which I might expect the lien release and the title to be mailed but was not given anything. They said I wasn't privy to that info until the documents were reviewed. ( The customer service girl at XXXX said it could be 30 days. ) I do not have 30 days! I have already been terribly inconvenienced waiting 2.5 years! 
I faxed a demand letter to Chrysler Capital on XXXX politely asking for them to expedite this review and process my request. I am out of time and that vehicle is indeed my property. There is no question or dispute regarding the pay-off of loan. 
This company is stalling the process since XX/XX/XXXX as far as I am concerned and I can not wait. 
The other thing I thought the loan company said was that I would need to go to a third-party website in order to order ( AND PAY ) for the title. I sure hope that doesn't apply here! 
WHY should I be forced to pay a fee for this title which should have been sent IMMEDIATELY upon their receipt of the pay-off final payment? 
I don't know the URL of the website so I did a general search and it appears that the fee is as much as {$150.00} to obtain the lien-free vehicle title! I will not pay that fee. I need help to get this whole problem resolved and that is how I came to you. PLEASE kindly help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

First Advantage supplied my potential employer with my background check. The dates searched on my background check were from XX/XX/XXXX-XX/XX/XXXX, however a charge from XX/XX/XXXX showed up. I live in Colorado where the law limits these background checks to 7 years. The charge is from 8+ years ago. I disputed the charge, was told the investigation could take up to 28 days, and was never notified of the results from the investigation. A couple of days later I got an email from the employer stating that First Advantage researched the error and decided that the records reported were accurate ; no change to my report occurred. When I contacted First Advantage to get an explanation, I was told that XXXX requires them to provide ALL information they find, regardless of when it occurred. I explained that the state of Colorado has a 7 year limit and was told that it doesn't matter, First Advantage has to include ALL info no matter what. I was denied a job over a XXXX XXXX ( on a scale of 1 being the worst to 5 being the least severe ) from back when I was in XXXX XXXX  because I didn't self report on a charge that the employer shouldn't have even seen.
Product: Credit reporting or other personal consumer reports

What happened : Unauthorized hard inquiries from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  are appearing on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and several of its provisions. 

Unauthorized Hard Inquiries : XXXX. XXXX XXXX - Date : XX/XX/XXXX - Violation of 15 USC 1681b : Permissible purposes of consumer reports. 
XXXX. XXXX XXXX  - Date : XXXX XXXX, XXXX - Violation of 15 USC 1681b : Permissible purposes of consumer reports. 
XXXX. XXXX XXXX XXXX - Date : XXXX XXXX, XXXX - Violation of 15 USC 1681b : Permissible purposes of consumer reports.

Relevant USC Codes : - 15 USC 1681b : Permissible purposes of consumer reports.

- 15 USC 1681i : Procedures for handling disputed information.

- 15 USC 1681n : Civil liability for willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not sent in error, on XXXX XXXX, my information was used to open a Store credit card that I didn't not agree to. I contacted the company XXXX XXXX XXXX and Genesis FS to have the inquiry and card closed .However they continuously transfered me to other employee and not the fraud department. Every employee states they do not have a fraud department.However this is a violation under multiple laws : -under 15 U.S. Code 1602 ( p ) - unauthorized use of my information -Misleading False Reporting FDCPA Section 807 -This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
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 And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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: Mortgage

Loan Depot Complaint RECEIVED NOTICE OF MY PERSONAL SENSITIVE INFORMATION NOT BEING PROPERLY SECURED BY LOAN DEPOT WHICH HAS LED TO A DEEPLY DISTURBING AMOUNT OF PROBLEMS INCLUDING, MY INFO FOUND ON DARK WEB, XXXX ACCOUNT HACKED AND OBSURD MESSAGES SENT TO FAMILY AND FRIENDS, ATTEMPTED UNAUTHORIZED CHARGES ON MY DEBIT CARD. FRAUD ALERTS FROM XXXX. XXXX XXXX, AND XXXX. EMAILS SHOWING UNAUTHORIZED USE OF MY ACCOUNT. IVE SPENT DAYS CONTACTING BACKS CHANGING ACCOUNT NUMBERS, ORDERING NEW CARDS, CREDIT FREEZE AND LOCKED, REPORT TO FEDERAL TRADE COMMISSION, DILIGENTLY CHECKING ALL MY ACCOUNTS FOR UNAUTHORIZED USE AND CHARGES. CONTACTING LAWYERS. ID LIKE TO KNOW HOW LOAN DEPOT WILL BE ACCOUNTABLE FOR THIS BREECH AND LEAK OF MY INFORMATION WHICH HAS CAUSED EXTREME XXXX DISTRESS AS WELL AS XXXX XXXXXXXX XXXX FOLLOWED BY EXTREME XXXX. 


Key Facts : I received a notice from Loan Depot indicating a data breach compromising my personal sensitive information had taken place.. 
This breach has led to significant problems, including : My information appearing on the dark web. 

My XXXX account being hacked and used to send inappropriate messages to contacts. 

Unauthorized attempted charges on my debit card.

Fraud alerts from XXXX, XXXX XXXX, and XXXX. 

Emails showing unauthorized use of my accounts. 

I have spent considerable time and effort addressing these issues, including : Contacting banks and changing account numbers. 

Ordering new cards. 

Implementing credit freezes and account locks. 

Reporting the incident to the Federal Trade Commission. 

Monitoring accounts for further unauthorized activity. 

Consulting with lawyers. 

Desired Outcome : I am seeking to understand how Loan Depot will be held accountable for this breach and the resulting XXXX XXXX, XXXX, and XXXX XXXX I have experienced. 
I expect Loan Depot to offer a comprehensive solution to address this situation and restore my sense of security and to rectify this horrific incident. 
Documentation : I have received a written notice from Loan Depot regarding the data breach dated XX/XX/2024 I have documented communication with relevant institutions regarding fraudulent activity. 

Contact Information : Loan Depot Headquarters LoanDepot.com, LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX, United States.