23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

AN UNAUTHORIZED CREDIT INQUIRY FROM : - XXXX - XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I have never been 30 days late paying my car payment. The company reported 30 days late, which caused my score to drop. My XXXX payment was made on XX/XX/year>, and my XXXX payment was made on XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan from PHH MORTGAGE SERVICE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called PHH MORTGAGE SERVICE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, and PHH MORTGAGE SERVICE with no successful resolution. XXXX reporting me 30 days late in XXXX of 2022. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

On this account, I have always made sure that payments are made on time, never allowing them to become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Product: Mortgage

Hello, On XX/XX/XXXX I received my loan estimate and approval from Millenial Home Lending, Inc XXXX XXXX XXXX XXXX, CAXXXXXXXX 
Our closing date for my new home purchase was set for XX/XX/XXXX. 
They told me that my income and credit were not an issue for the loan amount that I was borrowing, {$230000.00}. 
We received a copy of the appraisal on XX/XX/XXXX, showing the property value at {$250000.00} and our purchase price was {$240000.00}. 
Our problems started well into XXXX, when the lender realized that my husband owns a home just 2 miles from the one I am buying for myself and my elderly mother to live in. I explained the reason that I am buying a house separate from my husband 's. 
I still had ownership of my original house from before we married, and my nephew lives there. They had a problem with that, so we provided the documentation to show that my nephew is purchasing the house through payments for {$25000.00} ( roughly 20 % of it's actual value ), and I am not collecting houses for investments. I am purchasing another house so I don't have to put my mother in a nursing home when she needs more help than I can provide with weekly visits. 
THEN they started wanting my mother 's financial information. She wasn't on the application and had nothing to do with the purchase, but they pushed for me to supply them with her financial information, or they would need to submit the loan as an investment property and require 15 % down. 
I have two BIG issues with this : As a working adult female with my own money and credit, why can't I buy a house that I want to live in because they assume I want to use it for investing when I have no history of any previous house sales or renting? 
Also, with the aging population and so many families trying to keep loved ones out of nursing homes, why are they able to make it so difficult to help a family member have a home with or near their caregivers? How is this legal??
Product: Credit card

The company LVNV has reported 3 different accounts that were credit card companies onto my credit report. I stated to credit companies that I did not open these accounts. Obviously nothing was done about it. I reached out to LVNV and was able to obtain the 3 card companies info. These are not my accounts did not open these accounts nor lived at that address which I noticed is also on my credit report Im guessing because of these companies reporting. I tried to previously dispute these companies but it continuously comes back verified. Which I know for sure these are not being verified. I would like contracts for all three companies with my signature and identification information agreeing to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$9600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXXXXX  and the subsequent response received on XX/XX/XXXXXXXX  enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have asked on several instances for my credit report to be rectified, I have ask for verification and reverification of the information on my report which I was informed but all that they had verified and after doing my own research found this to be inaccurate. I have found the information on my report to be fraud and Per FCRA XXXX ( XXXX U.S.C. XXXX ) it requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. This information continue to be detrimental to my personal credit, XXXX XXXX XXXX XXXX / Credit XXXX XXXX XXXX XXXX {$2600.00} /XXXX  Card XXXX ( {$8200.00} ) / XXXX Bank XXXX XXXX {$9200.00} ) / XXXX XXXX XXXX XXXX {$790.00}. 
My Identity was fraudulently utilized to try and obtain credit, Obtain XXXX apartment for rent and to buy into a ponzi scheme see attached : Court docket number XXXX refers to the case United States v. XXXX XXXX in the U.S. District Court for XXXX XXXX XXXX Nebraska. Charge : Wire fraud in violation of XXXX XXXX. XXXX. Outcome : XXXX pled guilty and admitted to misappropriating at least {>= $1,000,000} of investor funds. On XX/XX/year>, he was sentenced to 72 months of imprisonment followed by 3 years of supervised release. XXXX. United States v. XXXX XXXX ; United States v. XXXX XXXX ; United States XXXX XXXX XXXX XXXX Department of Justice
Product: Money transfer, virtual currency, or money service

Good morning. 

I am experiencing ongoing difficulties with sending and receiving payments on my PayPal account. Despite completing the verification process two months ago, I continue to encounter blocks on sending and receiving funds. 

Recently, upon issuing an invoice to a client, I was immediately notified of a new block. Attempts to contact support informed me that reactivation of functions would not be possible due to security concerns. This situation is particularly frustrating given that it is a commercial account, and such blocks affect all transactions, including the sending and receiving of payment orders. 

I have reviewed PayPals acceptable use policies and, after consulting for clarifications regarding my companys business model and segment, I was assured that I am in compliance with PayPals internal regulations. Given this, I can not understand the reason for the blocks. 

It is of utmost urgency that access to my account be restored. I am counting on the PayPal teams support to resolve this issue and eagerly await a response. 

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

The date of last activity for a Chase Auto account is incorrect on my credit report. It was erroneously reported as XX/XX/XXXX when in fact it was XX/XX/XXXX when it was closed. We had an automobile accident and while waiting for insurance to pay they did report late payments, which we are not disputing ; however, since the date of last activity was somehow updated incorrectly, it's having a negative impact on my credit score and ultimately preventing me from purchasing a home at this time. 

When I called to try to correct the problem all I got was a run around. No one seemed willing or able to take this matter seriously.
Product: Vehicle loan or lease

**Notice of Default and Opportunity to Cure** To Whom It May Concern, I am writing to formally notify you of a default under our an agreement dated XX/XX/, with NAVY FEDERAL CREDIT UNION concerning my application for a line of credit. 
Despite my eligibility and compliance with the terms set forth, my request for a line of credit has been denied. This action not only violates our agreement but also contravenes federal law, specifically infringing upon my rights as a consumer. It is important to note that company procedures do not supersede federal law. 
According to 15 USC 1602 ( F ), it is clear that access to credit is a right afforded to me. Furthermore, 15 USC 1693 ( a ) ( 3 ) explicitly states that discrimination against individuals exercising their rights under this statute is prohibited. NAVY FEDERAL CREDIT UNION company 's denial of my credit application is, therefore, a direct violation of these laws. 
To resolve this matter, I am offering NAVY FEDERAL CREDIT UNION the opportunity to cure this default by granting me a line of credit. The amount of credit should reflect the maximum allowable based on the principal balance of my principal account, XXXX XXXX Signed, XXXX XXXX XXXX PRIVATE AMERICAN, GRANTOR-SOLE BENEFICIARY, ISSUER NATURAL PERSON of principal account XXXX XXXX , ALL RIGHTS RESERVED, WITHOUT RECOURSE FURTHER AFFIANT SAYETH NOT.
Product: Mortgage

Ocwen Loan Servicing deliberately mishandled a payment I made through their XXXX XXXX XXXX in XXXX XXXX XXXX. Again, the payment was made through their XXXX XXXX service and I have confirmation. The company has routinely ignored my inquires and recently sent me a statement alleging the charges for that payment were reversed. I confirmed with my bank that funds transferred. I am in the loan modification program and ensured that I was never 30 days late throughout. I believe this is a deliberate attempt by Ocwen to break the law as they have done with so many other homeowners. Today, some unidentified person was on my property. When I confronted them, they said, without producing any identification that they were there on behalf of Ocwen. I am being harassed and I have done everything right. Homeowners are at the mercy of this unethical company and citizens need your help. Please advise next steps.
Product: Vehicle loan or lease

After I signed the Installment loan contract, the dealer changed the vehicle cost and extended warranty price, forged my name and presented the forged documents to my lender for funding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Inquiries on my credit reports. 
Ive sent certified mail disputing inquiries to each credit bureau : XXXX  Trans union XXXX  XX/XX/2020 No reply in regards to the investigation requested. 
Tracking number are available
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within XXXX  days. Enclosed are supporting documents.
Product: Checking or savings account

A week before XXXX XXXX XXXX XXXX i went to the Regions Bank in XXXX XXXX XXXX, Fl. I proceeded to deposit money into the ATM and a security guard saw the whole thing happen. The ATM gives me an error and i go inside the branch to get help. They provide me with a phone number and case number to call and speak to customer service. Weeks and months go by of me calling and no representative being able to help me. I call the branch and no one is able to help me. They just tell me to wait. I should be able to trust my banks atm, not fear it swallowing my money into an empty pit for me to never receive again.
Product: Credit reporting or other personal consumer reports

Sent a certified letter to all 3 major credit agencies and did not hear back about the incorrect information on reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of this year, I've been sending update letters to XXXX, Experian, and XXXX to delete old and inaccurate addresses and outdated information on my credit report. These companies are still reporting old and inaccurate addresses and information even after I initially sent them at least two update letters but they never updated my personal information. These are all of the inaccurate addresses on all three of my credit reports that still haven't been deleted but need to be removed. 



XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX   XXXX, NC, XXXX XXXX XXXX   XXXX, NC, XXXX XXXX XXXX  XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX XXXX, NC, XXXX
Product: Credit reporting

Equifax has listed a lien in my credit report- The IRS filled a lien in 2009 tax year but the lien was filled incorrectly - The IRS made a mistake. This lien as stay in my credit report for the last 6 years - It has affected my ability to get credit - I have been denied credit from XXXX due to this errors - - Please see documentation attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Evening! Listen, I was going through my credit today and noticed that there are several un-authorized and un-known companies listed below trying to access my credit report without my written consent. As I was reading through the ftc and cfpb website and understand the fair credit reporting act - It says it clearly that Im protected under FCRA 15 U.S.C. 1681 ( b ), and Section 604, where the permissible purposes are when the consumer provides written permission and when disclosure is required by court order, firm credit offer, employment offer, etc.

I also contacted those companies listed below individually and asked them to take action to get these inquiries removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 

Again, I do not recall giving my authorization for this credit pull, please remove them all
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Aftereven, ealier today i pulled my credit report through XXXX and I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I contacted the credit bureaus regard this. I also call each and every company before filing the identity theft report. I did not authorized none of these accounts and credit inquires. I never did business with such company. I have attached my identity theft report along with mu drivers license to confirm my identity.
Product: Debt collection

This past year I went to the hospital because I had multiple XXXX in my XXXX XXXX, it was something I couldnt heal by myself, it was a real emergency. Since I dont receive medicaid but I do have the healthy texas women insurance I thought that was going cover it but no it didnt, they dont accepted anywhere I went and since I dont work I only go to school, I dont have the money to pay back.
Product: Credit card or prepaid card

I have my credit frozen at all three credit reporting bureaus. On XX/XX/XXXX, I received " XXXX XXXX XXXX XXXX XXXX '' credit card issued by the XXXX XXXX XXXX. The card is administered by XXXX ( who appears to be the primary problem as all correspondence and billing is completed by XXXX, not XXXX XXXX XXXX ). I did not order or apply for this card. I contacted the company and inquired as to what this was and they indicated it was the credit card that I applied for. I never applied for this card. They asked if I had made purchases at XXXX XXXX on XX/XX/XXXX in XXXX, Illinois. I indicated that I did not and that I was out of Illinois travelling for work all day. I requested that the card be closed and a reported as fraudulent. They closed the account. On XX/XX/XXXX, I spoke with the XXXX Fraud department and reported the card as fraudulent and inquired as to how they could issue a credit card to someone with frozen credit. They indicated that they did a " soft pull '' and that allowed them to issue the card. I am not sure what a " soft pull '' is or how that would be adequate to open a credit card with a {$7500.00} limit in someone's name with frozen credit. On XX/XX/XXXX, I received a bill for {$6200.00} for purchases at three separate XXXX XXXX stores. Fraud affidavit filed on XX/XX/XXXX - awaiting response.
Product: Debt collection

I do not have now, nor have I ever had a credit relationship with Fair Collections & Out Sourcing. A debt verification is warranted that must be accompanied by a judge and court order, if one can not be provided -- please remove this erroneous information from my credit file as it is impacting me both financially and mentally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car financed through XXXX and the car was repoed in early XXXX. The account was sold to XXXX and I paid it off in XXXX ( settled for less than what was owed ) but they consider it paid in full. Both XXXX and XXXX show it paid in full but thats they problem ... they both show it so it is a duplicate reporting of the same debt. Ive contacted them over and over but they and they refuse to remove one of them.
Product: Credit reporting or other personal consumer reports

Initial Contact with Equifax : I reached out to Equifax by calling their customer service. My goal was to inquire about updating my consumer report, likely related to some disputed information or changes I wanted to make. 

Speaking with a Representative : During the call, I spoke with an Equifax representative. The representative told me that in order for my consumer report to be updated, I would need to send additional documentation such as proof of identity ( ID, Social Security card, etc. ). 

Clarification on Information Already Provided : I clarified with the representative that I had already submitted these documents in the past. Despite this, the representative stated that Equifax did not have those documents on file. This assertion contradicted my records and previous interactions, as I had already provided the necessary documents. 

Disputes and Record of Submission : I mentioned that if Equifax reviewed the disputes I had previously filed, they would see that the required documents were already submitted. This was an attempt to highlight that the information was already in their system and they should have access to it. 

Proof of Conversation : I also noted that I have a recorded call of the representative stating that Equifax did not have the required documents on file. This recording serves as evidence to dispute the representative 's claim. 

Next Steps : In light of the representatives contradictory statement, I may need to escalate the issue. Since I already have the required documentation on file and proof of the representative 's miscommunication, I could submit the necessary documents again, referencing the recorded call as evidence, or file a formal complaint to Equifax for further investigation and resolution.
Product: Mortgage

On XX/XX/2023 I applied for a mortgage loan with Amerisave Mortgage NMLS ID : # XXXX I was assigned a loan officer by the name of XXXX XXXX. He assisted me in the process to get what they call a " certified approval letter '' which is just as good as cash they claim. i make an offer on a home that is being built by XXXX XXXX on XX/XX/2023. my offer gets accepted and we move forward. throughout the process I ask for recommendations or guidance since it's my first home as to what I should do in regards to savings and credit. I mention to XXXX that I have some credit cards that i was looking to pay off to reduce my debt. my intention was to keep my credit up and stay on time with my lines of credit. I was advised not to do anything in regards just to keep making my payments on time as I did throughout the process. Amerisave provided no updates they never communicated to XXXX with Loan status updates. it felt like we were always chasing and fishing for answers. They not only denied my loan after 4 months and three weeks away from closing. they are bashing my name to XXXX and saying it was my fault because I " self-sabotage '' myself out of this loan. when i have proof i did nothing wrong.
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 I told Experian, XXXX, and XXXX to reinvestigate these accounts payment history and remaining balance : Account name : Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate and has been verified. But how is that possible if the open date, date of last activity and much more is incorrect. The accounts has been paid in full since XXXX of 2022. Never missed a payment. I requested documentation ( transactions history, balance sheet ) I was never provided with the requested documents. The information is inaccurate and preventing me from obtaining new employment. If documents are not sent to me or information is not corrected. My next dispute will be for montary compensation of my expected salary. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

1 5 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. 

3 of my federal rights are being violated by the major bureaus.