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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I intiated an inquiry with my mortgage company Nationstar regarding FHA loan assumption. XX/XX/XXXX, I found a qualified buyer that completed necessary paperwork only to find out that they could not produce current resident payment history required to complete the loan process. 
Buyers entered a rental agreement to create a payment history to satisfy Nationstar requirement. 
XX/XX/XXXX resumed loan assumption process. At this time I was told my FHA mortgage is not assumable, therefore refused to contact buyer, and process request for loan assumption. After 2 phone conversations with the Assumptions research associate she agreed to go along with the loan assumption process on XX/XX/XXXX. She contacted the buyer to inform them they would receive a phone call from the sales department in 7-10 days for credit application. On XX/XX/XXXX buyers sent email inquiry to Nationstar no phone call from sales department was told would be looked into. Still no phone call as of XX/XX/XXXX I forwarded email inquiry threating to file complaint with CFPB this intiated a phone call from the sales department to the buyer on XX/XX/XXXX the credit application was completed. XX/XX/XXXX the buyer was sent a letter indicating they needed XXXX FICO score, the buyer had XXXX and loan appumptipon denied by assumption manager. The problem is FHA only requires XXXX. Nationstar hedged on paperwork and phone calls, taking 3 months to start the process. The assumption Manager told the buyer the process would be quicker and easier to go thru new loan application. The buyer is currently eligible to assume the mortgage provided Nationstar dba Mr Cooper is willing to follow FHA guidelines for processing loan assumption. The buyer and myself was told the process would take 6 months after credit score qualification. It has been 5 months trying to go through a simple loan assumption.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report this month XX/XX/XXXX and noticed XXXX XXXX XXXX XXXX XXXX XXXX  on my report since XX/XX/XXXX. I have never had these services, nor applied for them in the past
Product: Debt collection

TRUE ACCORD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request True Accord with the following validation : This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. 

If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.

It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
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, have violated my rights . 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Mortgage

On XX/XX/2020 my wife and I applied for a HELOC loan with Fifth Third Bank at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Loan Number : XXXX. We met with XXXX XXXX filled out the application and were told they would contact us about the information they would need. 

The following week I received the request and got all my information together and personally handed it to XXXX, she then forwarded it to the loan officer in the home office in XXXX, OH. This is were things started to go wrong, they needed one more document from my insurance agent which was forwarded to XXXX the same day they asked. 

Shortly after this they start requesting the same documents that they already had, W2,  XXXX XXXX, etc. On XX/XX/XXXX, again I brought all the documents that their Loan Specialist, XXXX XXXX says were missing. The following week she asks for more copies of W2 's, this would have been the third time. I questioned what was happening with my information as I was worried about where it was going and who had access to it. I was told not to worry about it. After voicing my concerns I was told they could not find out anything in a timely maner because XXXX XXXX was working from home and she has no telephone! 

I called twice wanting to know what was going on, talked to XXXX first week of XXXX and also the local branch manager and she said she would call me back, but no call, it seems everything is up to MS XXXX who I think is the only bank executive in  American that does not have a PHONE! I was told this by three employees of the bank and I just don't think this would fly with the bank management. 

Fifth Third has had all the info they requested as of XX/XX/2020. As per ECOA guidelines I am entitled to an ruling on my application within thirty days. I feel because I questioned the security of my person information they have refused to process my application for a loan. 

Respectfully XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I see that TransUnion has removed XXXX off my consumer report and it is proof of my claim but has not yet compensated me for the pain and suffering and also the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2023 I noticed my excellent credit score had taken a severe decline. Upon checking into it, I noticed there was an item on my credit report that was erroneous. A collection agency, XXXX, XXXX, had reported that I was delinquent on a payment of {$1200.00} to XXXX XXXX XXXX. This is totally false. I do not have any financial relationship with XXXX XXXX XXXX. I called XXXX to try to resolve the error, but of course they " were experiencing higher than normal call volume ''. Not only was I unable to contact them, they have never, ever, contacted me prior to or after placing the item on my credit report. I called Experian to dispute the item but their " investigation '' verified the information to be accurate. That is not true. I had the same situation a few months ago, and I believe it was also from XXXX XXXX XXXX but a different collection agency. It was removed from my report. I suspect the first agency just sold the same bogus debt to another agency. 
I can not attach any supporting documents because there was never any relationship between me and XXXX XXXX XXXX so nothing exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

Appeal appeal appeal cfpb Re Experian I have attached all the 4 names of different variations that have been sent to me since my initial report pulled up online XX/XX/XXXX Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received attached emails stating valerir name attached to a membership id # XXXX XXXX XXXX I received email another email with the XXXX  name regarding experian credit works THANKS FOR CONTACTING THEM. I have only been able to communicate with experian thru the cfpb due to either non answering looping automated phone system that won't transfer you to a human or no fax number answering of the three different phone numbers of experian credit reporting agency listed online. 
Here are the screenshots of four different names that experian has reported me under. the question is again experian ... why is my personal US CITIZEN NAME been either changed by unknown entity or person or experian is reporting me under FOUR NAMES. THEY ALL HAVE DIFFERENT INFO on them. One actually deleted the fraud XXXX XXXX XXXX loan # XXXX at XXXX pet month that I was disputing but IT WAS A XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX VA LOAN # XXXX AT {$680.00} PER MONTH that needs to added. Please experian advise me Is experian reporting me under 4 different spellings and versions of my name XXXX XXXX XXXX XXXX XXXX OR ... did someone contact experian and fraudulently change my name four times in one year ... Simple question experian ... please answer it ... XXXX.also who is the creditor SO I CAN CONTACT THEM as per your suggestions online under experian as per attached screenshots of that verbiage stating I quote ( IF THERE IS A WRONG ADDRESS ADDED TO YOUR REPORT IT MAY BE  A SIGN OF FRAUD AND IDENTITY THEFT!!!!!!!!! EXACTLY EXPERIAN MY IDENTITY THEFT is registered with the FTC AND I REPORTED TO EXPERIAN IN XXXX XXXX XXXX!!!! ) that reported a fraud address of XXXX XXXX XXXX XXXX on my XXXX XXXX XXXX XXXX XXXX name experian report
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX ( loans XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) updated XX/XX/XXXX was in deferment from XX/XX/XXXX to XX/XX/XXXX ( reported incorrectly as delinquent and sent to collections. See attached letter
Product: Credit card or prepaid card

I have been trying to receive a copy of my recent payment history with Barclays Bank Delaware, due to the wrong amount owed showing on my credit report. I have made several unsuccessful attempts to have a payment history either mailed or emailed to me. Each time I've called I've been transferred back and forth between customer service reps after waiting on hold for 30 minutes or more. I want this information in order to have my information updated on my credit reports.
Product: Debt collection

Complaint Regarding Debt Settlement and Harassment by Apple Credit Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Apple Credit regarding their handling of my account. I initially received an offer from Apple to settle my debt for a significantly reduced amount. However, when I contacted their credit department to revisit this option, I was informed that the offer was no longer available, and the representative aggressively pressured me into making additional payments.

When I inquired about the possibility of my account being sent to collections, I was initially told it had not been. Later in the conversation, the agent contradicted this, stating she needed to check with the collections department. This conflicting information left me confused and frustrated. 

Additionally, I was XXXX  and later lived in a XXXX XXXX XXXX  at the time I opened the account, which made it impossible for me to continue making payments. Despite my efforts to settle the debt, I have been harassed and coerced into making further payments rather than resolving the issue fairly.

I kindly ask for your assistance in addressing this matter.

Thank you for your attention to this issue. 

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

Multiple inquiries are on my credit report that have been attempted to be removed as unauthorized. XXXX inquiries occurred during an extended fraud alert being placed on my credit report with transunion. Which holds transunion responsible, I 've attempted to get these removed by the companies and the creditor with no success. Just to be told that they are valid, when in fact they are not. I 've asked XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX for proof of the inquiries. such as drivers license, passport photo id, and any pertaining information to validate these inquiries. No such evidence has been provided and transunion has failed to validate these inquiries and remove them on mulitple instances. Please assist. 

Inquiries in dispute are XXXX  XXXX XXXX, which occurred during a security freeze on my credit profile, was unauthorized on XXXX/XXXX/XXXX. 
XXXX XXXX - on XXXX/XXXX/XXXX which was unauthorized. 
XXXX XXXX XXXX XXXX, Which was unauthorized on XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information needs to be updated. See the file attached.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXXXXXX XXXX employer is : XXXXXXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit card or prepaid card

My credit limit was automatically decreased by Synchrony without notification increasing my ratio of used credit vs available credit and impacting my credit score.  Their site offers alerts for any issues or upcoming payments, but I was never notified of an issue even though I signed up upon approval. When speaking with their representative they cited reasons that would have been readily available to them when my application was initially processed as the reason for my limit decrease. If that was the reasoning my limit should never have been falsely inflated at the time of application. This is a predatory company that counts on people spending credit that will simply be taken away within a few months of opening the account regardless of the account standing or payments received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX ; ( XXXX ), XXXX XXXX ; ( XXXX ), XXXX XXXX XXXX ; ( XXXX ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

I took out a loan XXXX/XXXX/XXXX in the amount of XXXX with a XXXX dollar finance fee. The loan defaulted after that and was sent to their corporate collection XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX was sent to a third party debt collector called XXXX XXXX XXXX. I can no longer way check into cash for this debt and have to deal with XXXX XXXX XXXX. It is my understanding once sent to a third party collection that your loan needs to be close in the XXXX XXXX XXXX. It has not been close and it is over a year later
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the following duplicate information on my credit file XXXX XXXX  in amount of {$510.00} ; XXXX XXXX XXXX is also attempting to collect an outstanding debt for XXXX.
Product: Credit reporting or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces-was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

1,081
Product: Money transfer, virtual currency, or money service

Customer service law is a set of regulations that establish rights and obligations for consumers and businesses. The goal of customer service law is to improve the quality of customer service, promote transparency, and ensure customer satisfaction cash app failed to protect private information and to provide a customer service number