23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

in the year of XXXX Mr cooper reached out to me and asked if I was impacted by pandemic I said yes, they advised me that I can go into a forbearance and the payments would go to back of the loan and payments would resume, in XX/XX/XXXX my forbearance expired, to my surprise my loans weren't placed to the back of loan but were all due upfront, they advised me to apply for a loan modification. I applied for a loan modification in XX/XX/XXXX, I was denied for a loan modification 2 weeks later which would have been the end of XX/XX/XXXX, the reason provided was income NPV. I appealed my denial per the instructions and advised the lender my finance situation improved. I sent over updated financial information on XX/XX/XXXX. I was denied on XX/XX/XXXX, which is less than 1 week of submission, citing Income NPV, I looked at the income which was not at all the income I sent over to the lender, hence the lender didn't use my correct income. and my application was not reviewed as it should per their letter and website it takes 30 days to review a loan modification. I didn't received a dedicated loan specialist per their agreement, I wasn't provided with the NPV calculation per the California home protection act, they have blocked the ability for me to receive government help to pay past due amounts, they haven't returned any of my calls or replied to my faxes. I appealed their 2nd denial on XX/XX/XXXX, and again on XX/XX/XXXX. I haven't received any calls of acknowledgement from this place, I am afraid they are plotting to steal my house due to my age I am XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I have been borrowing from Cash App for over two years paying back the advances days prior to the due dates. On XX/XX/2024, when I was paying back a loan the app prompted me to enter if my business info. Me thinking they wanted to just get to know me better or to offer me other products I entered a business I started recently but had not conducted any business under the name yet. As soon as I paid the loan they denied me to borrow again stating I am a business. I immediately called and emailed to have the information removed because I needed the money. Since then I have emailed and called over five times and still get the same results and same email NOTHING!!!! I feel this was deceptive and abusive and in result has caused me mental and financial distress. They keep sending me generic emails and refuse to put a supervisor on the phone. Today was the last straw the reps were just rude and dismissive. I did nothing wrong and keep getting the run around with no results.
Product: Credit reporting or other personal consumer reports

I, recently reviewed my credit report and noticed a child support account from XXXX  is infecting my credit score and keeping me from getting credit cards a house and loans and everything else, this account is really affecting my life, keeping me from supporting my family. Under U.S. Code 1681s-1 Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which ( 1 ) is provided- ( A ) to the consumer reporting agency by a State or local child support enforcement agency ; or ( B ) to the consumer reporting acency by any local, State, or Federal Government agency ; and ( 2 ) antedates the report by 7 years or less.please remove the following items from my credit report, immediately Account Name : XXXX XXXX XXXX
Product: Credit card or prepaid card

I provide XXXX XXXX and get paid via credit card. Before I accepted the payments, I called my credit card issuers and asked them what is the safest way to get paid and not worry about fraud, as in the past when I got paid by checks, the checks bounced. So I wasclearly instructed not to give any card or banking information. I was told to take the company banking info for payment with a written authorisation to process the payments. I followed the instructions step by step, received the payments, and four and an half months later the credit card companies ( 3 of them ) say that the payments were reversed and that I have to pay back the balance, as it is not their problem to collect the original funds. I called many times and attempted to explain that there is a written authorisation for the mentioned transaction, and that I followed their instructions on payment but they refuse to help and now my credit is getting badly hit.With this company I had two credit cards and they were paid off back last year and closed I don't know what else to do. Thank you for your attention to this matter
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX all violated my consumer rights to privacy under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out. 
( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

At no point have I been given an such correspondence as to the methods listed in 15 U.S. Code 6802. Only after extensive research, I happened across the information in these codes, as well as The Privacy Act of 1974, a United States federal law, which establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 

XXXX XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - XX/XX/XXXXXXXX XXXX XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - Present XXXX XXXX - Credit usage, balances, and payment history displayed XX/XX/XXXX - Present In accordance with the Fair Credit Reporting Act, as a federally protected consumer, I am now exercising my right to opt out of any and all authorization I the consumer may have given you, written, unwritten, verbal, nonverbal, and otherwise per 15USC 6802.
Product: Debt collection

As of today XX/XX/2021, my affidavit remains unrebutted. Therefore, it remains a fact that the debt from the beginning is fraudulent. Gateway financial solutions is still in possession of my vehicle and have stolen from an address they did not have on file which is a violation and refuse to give it back at this point. Ive had to retrieve my items out of my vehicle just in case anything ends up stolen during this process, which was stressful and inconvenient. This is my 2nd complaint regarding the debt in question. On OXX/XX/2021, I spoke with XXXX an agent and supervisor with the company, she confirmed for me that they abide by the Truth in Lending Act, I then asked her if she was aware of the proper and lawful way to respond when a consumer sends a request for validation according to the law, she claims not to be aware, or could not remember. I asked her to reply to my affidavit with the requested documents, she exclaimed that she was not obligated to do that admitting that they have in fact not addressed all of my request. Its a fact that FDCPA has clear laws on what a debt collector is to do when the debt is challenged. Since the company refuses to send the proper documents requested, they were to stop all debt collection acts until the matter is resolved. They have decided to ignore my request, ignore the law, and continue with collection. Late XXXX Gateway Financial Solutions stole my vehicle AFTER I sent an affidavit and notice to validate the debt. They continue to respond in a dismissive manner. They have threatened to sell my vehicle on XX/XX/21completely disregarding the fact that I, in all my rights as a federally protected consumer have launched an investigation. l will not sit back and allow anyone or company to take advantage of and scam me, no matter how common this scheme may be. I asked in good faith, they ignored in dishonor. As of today XX/XX/2021, my affidavit remains unrebutted and stands as truth. It is my unalienable right and my right as a consumer to rescind any contract if there is evidence of fraud pursuant to 15 USC 1635. There has been no contract in place since XX/XX/XXXX when my initial affidavit was sent. Any power of attorney given has since been revoked. Since the company was not willing to provide me with the bilateral contract, which is lawfully binding and enforceable, proves one does not exist in fact XXXX confirmed that when I spoke with her on XX/XX/21. The unilateral contract that was in place proves that my signature and personal information was used to retrieve the credit that paid for my vehicle. I unknowingly gave the company my information to do so after being made to believe that I was receiving a loan from Gateway Financial Solutions or affiliates.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX multiple times since XXXX to resolve this issue. I have sent multiple certified written request for investigation pursuant to the FCRA rules. At no point was the issue resolved or followed up within the 30 days. XXXX XXXX supervisor spoke to me in a degatory manner XX/XX/XXXX and pointedly advised there was nothing further to investigate because I kept disputing they same issue with XXXX. I have since written the XXXX of XXXX As a result of my most recent letters Transunion is the only credit bureau refusing to grant me access to my free annual credit report. A report that I should have access to more frequently due to COVID-19. This behavior is not only retaliatory in nature but discriminatory. The other two credit bureaus are able to provide me with a serious of questions to verify my identity and give me access to my report. I answer all of XXXX question and each time the end result was they could not verify my identity. One of the last questions most recently was to state where a sibling ( they named the sibling lived ). I answered the questions and it came back they could not verify my identity and refused to provide my credit report. 
XXXX in my opinion, continues to aid XXXX in the companys predatory business practices. XXXX continues to change the amount owed and did not follow the state of Texas repossession laws. As a result the ever changing debt amount is not valid, they have not provided the requested documents of how they arrived at the debt amount despite the debt not being legitimate. A key question, how much money did the tow truck driver pay on the debt when he continued to drive the vehicle after I surrendered it? How did you arrive at the same original sale price of the vehicle over a year later as the original written off amount? What amount was claimed as a business tax credit? The charged off amount shows in excess on {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Equifax is violating federal law under 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) by not removing the inaccurate accounts from my credit report. Please see the attached dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me because I can not recognize this business. 
Please delete this account from my credit report. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was added as an authorized user on two XXXX accounts in XX/XX/XXXX. I was removed from both accounts in XX/XX/XXXX. On Experian website it states that closed authorized users accounts could be removed from the credit report by contacting the credit bureau. Therefore I filed disputes with Experian. However, after several phone calls and three disputes, nothing change. My closed authorized user accounts sill show up on my credit report. Here is the official website stating relevant information from Experian : XXXX XXXX XXXXXXXX XXXX XXXX I do not understand the fact that Experian does not follow their own company rules and ignore all my dispute request.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN.
MY ADDRESSES ARE INCORRECT EMPLOYERS EVEN PHONE NUMBER ITS BEEN OVER A YEAR AND THIS IS RIDICULOUS!!!!!

Credit Report Inaccuracies 09/14/2022
EXPERIAN XXXX AND XXXX From: XXXX XXXX  I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing INCLUDING MY INCORRECT ADDRESSES,EMPLOYER, AND PHONE NUMBERS on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.
A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Credit Reporting Agency,
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.
Fortunately, in accordance with the FCRA Sections 605B,615(f) and 623 (a)(6), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from Identity theft. Pursuant to the FCRA 605B (15 U.S.C. 1681C-2), PLEASE BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT, except as otherwise provided in this Section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency.
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List Of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.
Sincerely,
XXXX XXXX
Enclosures:
a. Identity Theft Report
b. List of Fraudulent Accounts on my Report
c. FCRA Sections 605,609,6011
d. Proof of Identity and Address

 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern:
I recently discovered several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts are listed and highlighted below:
ACCOUNTS:
    XXXX XXXX XXXX XXXX XXXXXXXX 6 potentially negative months Closed
Product: Debt collection

To who it may concern this account was made without my acknowledgement and was setup fraudulent by XXXX XXXX phone number ( XXXX ) XXXX address XXXX XXXX XXXX XXXX FL XXXX
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.
Product: Mortgage

On XX/XX/2020, I logged into my account on www.rocketmortgage.com. I was greeted with a popup message stating that if I paid {$3500.00} against my principal owed, my Loan to Value ( LTV ) ratio would be 80 % and I would no longer be required to pay Private Mortgage Insurance ( PMI ). On XX/XX/2020, I made the payment of {$3500.00} and waited for the PMI to come off of the loan. On XX/XX/2020, I checked my account to find that the payment was applied, my LTV percentage was now at the required 80 % but I was still paying PMI. That same day ( XX/XX/2020 ), I called Rocket Mortgage customer support. The first time I called, I was hung up on after requesting the PMI removal. I then called again and got representative XXXX XXXX. I told XXXX the situation and she informed me that she could take it off but I would need to pay a {$150.00} fee right then over the phone. Not a loan payment, just a {$150.00} fee to remove the PMI. This fee is not stated on the initial popup at all. I feel like the popup is a way to get people to pay this fee. This seems like a very shady business practice and possibly illegal. I would like my {$150.00} back.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

Delete the accounts below : XXXX XXXX XXXX XXXX XXXXXX/XX/year>