23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am XXXX XXXX and receive both social security and long-term XXXX payments. I, along with my wife as co-borrower, applied for a VA loan from George Mason Mortgage in XXXX, VA ( branch office inXXXX, VA. ) I am virtually debt-free and have a credit score of XXXX. 
I have over {$30000.00} in savings, very little consumer debt, and a home that is paid for ( which I am selling ). My wife and I had to contact theCEO of George Mason Mortgage, XXXX XXXX XXXX, and file a complaintagainst its loan officer, XXXX XXXX, because he was not processing my VA loan, my VA loan and kept drilling me on my public assistance and LTDpayments ( " income '' ) even though I provided him a lot of supportingdocumentation regarding my income ( which is sufficient for the loan I am seeking ). XXXX XXXX started drilling me about my specific XXXX and even said he even wanted to contact XXXX, the XXXX insurance company, becauseI " could '' lose this XXXX payments ( which is highly unlikely ). XXXX XXXX insisted thatI have bank statements from XXXX XXXX XXXX -- where I have $ XXXX in savings -- stamped and signed off by a bank official. It appears that XXXX XXXX has lost or misplaced some of my supporting documentbecause he kept asking for the same documents over and over. Then, his senior VP ( branch manager ) took over my loan app and was thepoint-of-contact. I still have trouble getting answers to my questions. 
It appears to me that I am being overcharged by this lender beyond the closing costs and 1 % of loan amount that the VA allows. The lendersent me a commitment letter that contradicts other documentsXXXX.XXXX sent me to which locks in my VA loan rate of 3 % APR15-year fixed. I have complained to the realtor, who says she wo n't use George Mason Mortgage again for any of her clients. ( She hadrecommended this lender to me and is now sorry that she did so. ) I have complained to the CEO again and have kept him in the email distribution as I try to get answers and get this loan completed. I am certain that I have beendiscriminated because of my XXXX and receiving XXXX income. 
With my credit score, credit history, current income, no bad debts, etc., Ishould not be hassled and questioned so heavily -- and repeatedly -- regarding my XXXX and eligibility for this loan. If legal assistance isavailable, please let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by Penny Mac supervisor that they are not showing a late payment for my previous account. However, when I checked my credit report its showing my account was late
Product: Payday loan, title loan, personal loan, or advance loan

My soon to be ex-wife took out several credit cards and loans out in my name and has racked up around {$30000.00} worth of debt in my name. I currently have debt collection agencies trying to collect money from me for credit cards and loans that I didn't take out. My credit score is als really low because of these things.
Product: Credit reporting or other personal consumer reports

I did the Administrative Process Act 1946 with a 30-day debt validation letter and ended with Notary Default and Dishonor Register Mail # in this case I was the Plaintiff 6 months later they sold the alleged debt to XXXX XXXX XXXX and XXXX. I did the exact same thing and guess no one responded to the Affidavits so that fraud has to be zeroed out with the document case law and the matter of XXXX presented. on the record
Product: Money transfer, virtual currency, or money service

Attempted to withdraw funds from my PayPal account to my bank account. Transfers typically take 3-5 business days. However, after 6 days have passed, the funds are not still not available in my bank account. It is currently XX/XX/2023. 

PayPal Transaction ID : XXXX Trace # XXXX Date of deposit : XX/XX/2023 Expected posting date : XX/XX/2023 Amount of deposit : {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX / Chapter XXXX Bankruptcy XXXX / Chapter XXXX  Bankruptcy
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I disputed this account XXXX times with the creditor NAR INC and also specifically requested for validation from the creditor to provide me validation of the account. Validation letters were sent via certified mail and via email to creditor and XXXX XXXX XXXX regarding this matter and failed to respond to me the consumer directly on a timely manner of the XXXX days validation period this must be deleted. The creditor only responded to XXXX XXXX XXXX that the account was validated. How is this possible that an account gets validated without showing any proper documentation to the consumer directly? 
My fair credit reporting act rights are being violated by the creditor NAR INC by not providing validation of the account with the consumer directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card

DISCOVER FINANCIAL SERVICES you furnished alleged transactions on my XXXX, XXXX XXXX XXXX report that you identified as late. 

XXXX : XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Definitions ; rules of construction ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 


A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know you're not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681 ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a
payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the late payment marks/ transaction you have listed as late in addition in IN GOOD FAITH i request that you update any and all late payments to XXXX, XXXX XXXX XXXX as " PAANL '' ( PAID AS AGREED NEVER LATE ) : Late Payments Listed Below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX * These late payments are hindering me from being able to obtain an apartment and a vehicle UPDATE THIS ACCOUNT IMMEDIATELY*
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 XXXX credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 delete : XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balanced {$420000.00} XXXX XXXXXXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$16000.00} XXXX XXXX Balanced {$14000.00} XXXXXXXX XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXX XXXXXXXX Balanced {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have never spoke to them about this collection. i have no idea what this is from. these collections are misunderstood and fraud. they have been on my report without my knowledge. 

In accordance with the fair credit reporting act XXXX  account XXXX & XXXX, IQ DATA INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 usc 1681 section 602 states I have a right to privacy.

15 usc section 1681 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have used my XXXX XXXX credit card since XX/XX/XXXX, but closed this account in XX/XX/XXXX after paying a final balance whihc was under {$10.00} due to an annual fee. I have been trying to refinance my home and was advised to pay off entirely and then close this credit card in early XX/XX/XXXX. I used the card for the final time to purchase gas in XX/XX/XXXX. I then paid the entire balance in XX/XX/XXXX down to {$0.00}. I called the company and notified them I wanted to close the account and I was advised I had to pay the XX/XX/XXXX annual fee. I was then charged an annual fee of {$8.00} in XX/XX/XXXX with .XXXX cents in interest, I made a payment then of {$8.00} to pay off the balance entirely again on XX/XX/XXXX and again stated I wanted to close the account. I do not receive e-mails or hard copy mail from XXXX XXXX Credit Card Company and other than monitoring to make sure my balance was XXXX on my credit report I did not check the company website for statements as I had requested twice that the account be closed. Then without any notice the company kept my account open and on XX/XX/XXXX charged me another annual fee of {$8.00} and also a late fee of {$8.00}, again I received no billing, no statement was sent to me, I was not using this card, and had closed the account. Then this company charged me another series of late fees including a {$25.00} late fee and more annual fees totaling a {$59.00} balance ( none of which was me actually using the card on this supposed to be closed account ) and then reported to the credit agencies that I was delinquent in the payment. I have been in the hospital at XXXX XXXX 's in XXXX XXXX for XXXX complications since XX/XX/XXXX as my water broke at 29 weeks gestation. It was here in the hospital, where I will remain for another 2-3 weeks until the birth of my child, where I was notified by Experian credit monitoring that this account was never closed and this company has been charging me repeated " annual '' fees and late fees and reported my account as delinquent. I have not used this card in months and have repeatedly made attempts to close it and have always paid every balance to {$0.00}. I immediately paid the balance of {$59.00} despite believing it to be fraudulent in the hopes of protecting my credit and having the negative reporting reversed. I have called the company and spoken to numerous " supervisors '' and my requests to have this rectified have been " denied. '' I am attaching statements I got only from logging in to the website these statements are screenshots and were never sent to me in any form.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership the other day for the third time, they said they were going to do one hard inquiries but all of these popped up on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the 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 XXXX XXXX XXXX XXXX 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 wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, Metro 2 Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section XXXX of US CODE 15 USC XXXX et seqXXXX, it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  XXXX XXXX # XXXX, XXXX  XXXX 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, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts and credit inquiry listed on my XXXX XXXX, Experian and XXXX credit report is fraudulent, unauthorized and not my accounts or credit inquiry : XXXX XXXX XXXX XXXX # : XXXX,XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX credit inquiry : XX/XX/XXXX. I have never lived at the following address : XXXX XXXX XXXX XXXX, XXXX XXXX, ND XXXX
Product: Credit card

I am a new credit card applicant and a XXXX  XXXX student who started in fall XXXX. I opened my bank account in XXXX, so I have bank statements from XX/XX/XXXX. After I got my SSN, I applied for a student credit card. They opened the account, and a few days later, they followed up with a form, which I filled and submitted to lift the hold on my account. When I didn't receive my card, I inquired and learned it was due to an incomplete address they had on file. They fixed it and reshipped my card. However, after a few days, they sent me an email stating they had put a hold on my account. I called them, and they asked me to produce 3 months of bank statements, otherwise they would close it. Closing the account would hurt my next application and would also be reported to credit bureaus. They opened my credit card account without requiring me to submit the statements initially. At least they could have asked for this information in the application before opening my account. XXXX questions would have prevented me from applying : " Did you file your taxes last year? '' to which I would have answered no, and " Do you have 3 months of bank statements? '' to which I also would have answered no. It seems that signing up was as easy as opening a XXXX account, although they might require more information during the application. I don't have issues with their requirements, but they need to ask for this information before issuing a card for me. Now, I need to wait a few more months to apply for another card, and this situation is still hurting my credit reports. They have put me in a deadlock situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In pursuant to 15 USC 1666b ( a ) : ( 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.

I also do not get a monthly statement mailed to me as outlined in 15 USC 1637 ( b ), therefore the following accounts shall not report as late on my report according to the US constitution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Do not recognize this account and it is damagaing my reports