23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I requested the stated information on XX/XX/XXXX and KBHS has still not provided it to me, even after several follow up calls and emails over the last week.

KBHS XXXX XXXX also admitted to me over the phone that since I did not qualify for the primary home loan, as this property is my primary residence, that KBHS wanted me to make fraudulent statements for applying for a secondary home loan ( investment loan ) option. They stated that because there was another path forward, they would not provide me with a denial letter so that I could receive builder credits and move forward with another lender. Their path forward would have me willingly accept a rate 1.6 % above the market rate at the time the initial application was sent forward to underwriting. 

I am also submitting complaints to the XXXX and the VA. KBHS is in clear violation of the Equal Credit Opportunity Act by not providing me with the requested documents in a timely manner, and they have stated that they will not release them to me without a subpoena. 

My original application was a VA XXXX XXXX for a primary residence and I was unable to provide documentation that I could work remotely from my job in Texas ( moving to Florida ). This is a clear denial of the application that states I am applying for a primary residence - never an investment property. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$34000.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX XXXX XXXX Amount {$2900.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft XXXX XXXX  Amount {$7300.00} Account Number XXXX Date Opened XX/XX/XXXX This account is from identity theft Hard Inquires XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX
Product: Debt collection

This company continues to call me at my place of employment. I have requested verbally and in writing for them to stop calling me at my employer and they continue to call and I have the voice mails to prove it that indicated date and time of calls.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Immediate Resolution Violation of Federal and Texas Laws Dear AFFIRM INC, I am writing to formally address a clear violation regarding the unauthorized reporting of information to my credit report, as defined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), 1681s-2 ( a ), and the Texas Finance Code under Sections 392.301 and 392.305, as well as Texa

s Penal Code Section 32.51 , which pertains to identity fraud. It has come to my attention that AFFIRM INC has engaged in the unauthorized reporting of information to my credit report without my explicit consent. As mandated by federal law under FCRA Section 1681b ( a ) ( 2 ), consumer consent is a legal prerequisite for such activities. Furthermore, Texas law under Section 392.301 o
f the Texas Finance Code prohibits the reporting of consumer credit information without proper consent. Additionally, Section 392.305 provides specific regulations to ensure fair and accurate credit reporting practices. Texas Penal Code Section 32.51, which addresses identity fraud, further highlights the serious legal consequences of unauthorized access and use of personal information.

I have not provided consent for AFFIRM INC to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights under both federal and state law, potentially causing harm to my credit and reflecting a blatant disregard for the legal protections afforded to consumers.

I hereby demand that AFFIRM INC immediately cease all unauthorized reporting of information to my credit report, as required by FCRA Section 1681b ( a ) ( 2 ) and the relevant provisions of the Texas Finance Code ( Sections 392.301 and 392.305 ). If this issue is not resolved within 30 days, it will be considered a willful violation of the law, subject to penalties, including those outlined under Texas Penal Code Section 32.51 for identity fraud.

Obtaining consumer consent is not optional ; it is a legal obligation. I expect immediate action to rectify this situation and bring AFFIRM INC into compliance with both federal and Texas state laws, which protect consumers from unauthorized and damaging credit reporting practices. 

This notice is given in good faith with the expectation that AFFIRM INC will swiftly correct these violations and respect my rights under the law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  and list of Inquiries.

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 information has been used fraudulently. I am a victim of identity theft. Starting on XX/XX/XXXX a XXXX XXXX XXXX  credit card was opened fraudulently under my name and the reporting balance is {$520.00}. Also on XX/XX/XXXX another XXXX  XXXX XXXX  credit card was opened fraudulently reporting a {$1500.00} balance. Finally on XX/XX/XXXX a XXXX XXXX XXXX XXXX was opened and reported a {$510.00} balance. I discovered these accounts on XXXX and XXXX of XXXX.
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 XXXX, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. XXXXg ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXXg ( b ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Checking or savings account

On XX/XX/XXXX I made a deposit of {$1000.00} to an account that I thought was my saving account. I made nicknames for my accounts and mistakenly put the money in one of the accounts and I wasn't aware that it was to another Bank. I contact my bank when I notices the mistake and the money was put in the right account. A day later JPChase went into my account and took the money out of my account without notifying me, nor did my bank notify me of this. Chase was not associated with my account at all. How could this happen without my knowledge
Product: Credit reporting or other personal consumer reports

Equifax responded to my attempts to ascertain my credit history by 2 pieces of mail stating that I had no credit history and they sent it to the correct address but wrong name. I have made numerous attempts to alert them my identity has been stolen, that I can not use their online or phone services because the personal identifying information you as the consumer must provide before getting access to a menu is based on FRAUDULENT information that I do not have! How am I to identify myself if the information is fraud based?!?! The local precinct will not provide me new police reports as this has been ongoing since 2017! I am desperately trying to deal with something that Equifax clearly mishandled. Im not seeking anything but a fair chance to remove fraud and finally get MY life back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

XXXX XXXX charged off a depth and resold it to " XXXX '' a depth collector after 6-7 years of being negative in the Three Major credit bureau. Then this depth was deleted and recently XXXX went ahead and reported it back as a new depth. I disputed it with Transunion because I didn't have knowledge of such depth. After the investigation, Transunion stated that they have verified it as accurate. How can TransUnion report a charged-off account as accurate?
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX continue to fail to delete the negative information " charge off '' from my credit report despite having documentation from the government supporting my claims.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was shocked to find multiple errors that should never have been there in the first place. These inaccuracies are more than just minor mistakesthey are actively damaging my financial reputation and creating unnecessary obstacles. I refuse to let misinformation dictate my creditworthiness, and I am demanding an immediate investigation and correction. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is both accurate and verifiable. If any of these disputed items can not be backed by solid evidence, they must be removed at once. This is not a simple requestit is a legal demand for compliance with federal law. I expect this matter to be resolved promptly. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Debt collection

RE : MIDLAND CREDIT ACCT : XXXX It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe. 

In order that I can make arrangements to pay an obligation which I may owe, please document and verify the " debt '' by complying in good faith with this request for validation and notice that I dispute part of, or all of the allege debt. 

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judge 's inspection should there be a trial to contest these matters.

2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.

3. Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding that alleged debt.

4. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note. 

5. Please verify under the penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable, unless the party to whom that contract is extended could have rejected the clause without impunity.

6. Please provide verification from the stated creditor that you are authorized to act for them.

7. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment. 

I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for that account listed above. 

Under the Fair Credit Reporting Act ( FCRA ), unverified, invalid accounts must be removed. 

If you are unable to provide this to me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once removed the account from credit reports. I demand the account be validated or removed immediately.

The law is very clear as to the Civil liability and the remedies available to me for the " negligent noncompliance '' ( Section 617 of the FCRA ) if you fail to comply with this Federal law.
Product: Credit reporting or other personal consumer reports

Experian notified me through there website that 2 disputes are ready to view but like all the others when you click on it they say not available so you must call and I did. The XXXX XXXX  speaking person said they want my whole social security number, WHY NOT JUST THE LAST 4 SO I TELL HIM I AM ALSO RECORDING LIKE THEM AND HE HANGS UP
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : NORDSTM/TD XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

spoke with company back in XXXX sent in ftc reports and police reports company removed from XXXX but left on XXXX  its been 4 months and still they havent removed file from XXXX yet. And I called on XX/XX/2024 i spoke with a representative and she said the account was removed from all credit bureaus. But XXXX hasn't removed as of yet.
Product: Debt collection

A debt that I was not aware of because I never received any letters or correspondence from the company was placed on file with the credit bureau giving a date of XX/XX/2018. Even if the debt was valid, which I'm disputing since I have not received any information on it, it would not be from XXXX of 2018. The only reason I found this debt was because I check my credit regularly. This caused my credit to decrease by almost 50 points. Since I have no information about this debt prior to this I do not believe it is valid. I also have not been in school 4 years so even if it was a valid debt which again I am disputing it would be from years ago not XXXX of 2018. This company is trying to make it seem as though I have a new debt which I do not.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XX/XX/year>
Product: Debt collection

On XXXX XXXX, XXXX XXXX XXXX XXXX falsely added a debt collection of {$6500.00} to my credit report, which negatively impacted my XXXX XXXX. I do not recognize this debt and believe it to be fraudulent. 

In response, on XXXX XXXX, I formally requested that XXXX 's XXXX XXXX cease all communication regarding this debt and remove the fraudulent debt from my credit report under the provisions of 15 U.S.C. 1692c, which prohibits debt collectors from continuing to communicate about a debt once the consumer disputes it or refuses to pay. 

Despite my request, the debt remains on my credit report, and I am seeking assistance to have it removed and prevent further communications from XXXX 's XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Transunion, mail letters to transunion and I call XXXX and sent letters. They are not responding. When I call they are very rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon simply creating an account for transunion. ( so that I could dispute something on my credit report ) I was charged just XXXX $ and subscribed to a monthly service despite never being asked about it. The page requires you to enter credit card information in order to create an account
Product: Debt collection

I have no idea who XXXX XXXX is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX as third-party collection agent. 
4. Provide a true and correct copy of the instrument by which [ XXXX  XXXX  } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit card or prepaid card

Someone at US Bank sent me a DEBIT CArd and I do not bank with US BAnk, never requested to open an account, nor plan to open an account with US Bank. Thus, must be fraud as I have zero reason for this account. PLease contact me asap, as I can not get through on the phone.