23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Refused to provide loan estimate after providing minimum required information : Name Income Social Security number ( so the lender can pull a credit report ) Property address Estimate of the value of the property Desired loan amount Lender insisted I must provide a full signed executed purchase contract ( an offer on a home ) before they would provide an estimate. No one in their right mind should ever commit to a large purchase ( in this case {$700000.00} ), especially one which requires putting down thousands of dollars in non-refundable earnest money before knowing how much it's going to cost them. 

Lender attempted to deceive with inaccurate and incorrect reasoning as to why this was required, stating it could not be provided because it would not be accurate with too many unknown variables. Insisted every other lender that did provide me with an estimate based on the above information was themselves deceiving me with lowball estimates that are not real, and that they are the ones that should be trusted instead. 

Stay away from XXXX XXXX, XXXX XXXX ID # XXXX
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only XXXX XXXX accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. 

XXXX XXXX CXXXXe XXXX - Civil Liability for Willful Noncompliance, XXXX XXXX CXXXXe XXXX - Civil Liability for Negligent Noncompliance, and XXXX XXXX CXXXXe XXXX - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA XXXX U.S.C. XXXX ( XXXX ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of XXXX U.S.C. XXXX ( d ) ( 1 ). 

Accounts listed below in green color highlighted and tag as in violation under XXXX XXXX CXXXXe XXXX ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States XXXX Law ( TILA, XXXX XXXX CXXXXe XXXX ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( XXXX U.S.C. XXXX2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under XXXX XXXX CXXXXe XXXX Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States XXXX XXXX XXXX U.S.C. XXXX ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX ( formerly XXXX XXXX ) on or around XX/XX/2008. Some time in XXXX-XXXX the bank sent me checks with a fraudulent account number on them so when I used the checks for purchases the checks did not clear my account. The branch manager at the time assured me that he would resolve the discrepancy and he sent payments directly to the vendors to pay for the banking error. Shortly after the mix up I closed the account and they then put a bad debt on my credit. I am not responsible for the banking error nor should have this on my credit. The bank has once again changed their name and none of the previous banking associates are there anymore that would remember this happening. I want this charge removed from my credit. 

Sincerely, XXXX XXXX XXXX ( previously named : XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX they also have records on files that are wrong. The following address are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE SEND MY NEW UPDATED CREDIT REPORT TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got many open accounts an inquiries from unknown companies showing up on my credit report. I need these removed asap as these are fraudulent
Product: Mortgage

Sent them legal tender of {$57000.00} for account # XXXX, XXXX XXXX  refused payment and destroyed my instrument, stating the amount provided was insufficient to cure the default. Which means debt should be discharged since they refused payment.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXX Also Known As : XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX ) I am Attaching identity and proof of address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX bill XXXX XXXX sent full account to XXXX XXXX refused do boosts on credit XXXX faked addresses and more does not listen written documentation or by phone sending tons redo this or type this not your ideas and your idiotic perspective on my credit data. Tons of it. Even sent full list employment with dates addresses nonstop. Department of education loved deleted all credits data schools and dictated what they think opinion of colleges. Not facts, received XXXX fraud transcripts then dictated colleges are inefficient to all and incompetent to all. XXXX XXXX XXXX, XXXX Iowa XXXX Iowa, Iowa XXXX XXXX so much more.
Product: Money transfer, virtual currency, or money service

XXXX ID : XXXX its been over 180 and my funds are not released.I have {$480.00} balance
Product: Checking or savings account

I opened up a SoFi account in early XXXX to take advantage of their foreign transaction fees. After opening and using the account in another country, they locked me out of my account. 

I immediately called to straighten things out and they told me that my account was in review. It has been over a month now and ive called multiple times to customer support. They always tell me it is under review with no additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX-XXXX-2018 I ordered TransUnion credit report linked from free reports US government. In order to obtain a FICO score, you are forced to give credit card or debit card for perpetual drafts against your account-about 350 dollars a year. You can not cancel this service, the XXXX number is busy or refers you to circular XXXX. 

My problem is that this is linked from an official US Government website. 
This is nothing but a XXXX type scam. 
This is one of our major player credit reporting company running this scam to get a few bucks from poor/disabled.ignorant people.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

consumer keeps sending me text messages about a debt with XXXX XXXX XXXX that I know nothing about. The name of the company is Credit Collection Services and the account number XXXX. I have asked them to stop but they keep sending me texts. 

I would like to formally request that they provide validation of this debt as required by the Fair Debt Collection Practices Act ( XXXX ), Section XXXX ( b ), which stipulates that a debt collector must provide proof of the debt and its ownership upon request. 

Again, I have no knowledge of this debt, and I believe there may be a mistake. I request that they provide the following documentation : Proof that the debt is mine. 
The name of the original creditor. 
The amount owed, along with a detailed breakdown. 
Any signed agreement or contract that supports this claim. 
Until this information is provided, I request that they cease all collection efforts related to this alleged debt.
Product: Mortgage

BMO loan officer XXXX XXXX promoted a loan program on a XXXX XXXX  consisiting of XXXX realtors. first of all, all banks forbid marketing and promotion on XXXX ; 2nd, she said this program excluded XXXX, this is discrimination against XXXX. I checked with a BMO XXXX  loan officer, he said its not true. XXXX XXXX is misleading realtors. BMO shall prohibit XXXX XXXX from marketing on XXXX and distributing misleading and discriminating promotion. This exposed the bank to endless lawsuit risk. 

I attach print-screen of her marketing ( in XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

in acccordance with the fair credit reporting act XXXX  Account # XXXX, Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 writing instructions.
Product: Debt collection

XXXX XXXXXXXX {$39.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
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. 

Account Name : XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX Account Name : XXXX  Account NumberXXXX Account Name XXXX XXXX XXXX Account Number : 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 cr
imes 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

I am writing to formally dispute inaccurate and incomplete information on my credit report, specifically regarding late payments reported by the State Employees Credit Union ( SECU ) and personal information errors. Pursuant to the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and other applicable laws, I request a thorough investigation and correction of the following disputed items. 

Legal Basis for Dispute : 1. 15 U.S.C. 1681i ( a ) ( 1 ) requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and correct or delete inaccurate, incomplete, or unverifiable information.

2. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requires credit reporting agencies to provide prompt notification of the results of a reinvestigation to the consumer.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) requires credit reporting agencies to modify, delete, or permanently block disputed information that is inaccurate, incomplete, or can not be verified.

4. 15 U.S.C. 1666b ( a ) prohibits creditors from reporting late payments if the payment was made within the grace period or if the creditor failed to provide proper billing disclosures. 
5. 15 U.S.C. 1681n and 1681o provide for civil liability and damages for willful or negligent noncompliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information on my credit report over 30 days. I have not received a response. I feel like I am being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 45 days. Which mean it should be deleted immediately. If they are not deleted from my credit report. I will file for litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of someone else.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXXXXXX Balance : {$390.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXXXXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number- XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.

Send me proof that you are licensed to collect debt in the my state.

validation request, which I am allowed under the FDCPA.

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

I have not used my XXXX XXXX credit card so did not monitor it or have auto pay set up. I was fraudulently charged and disputed and the XXXX agreed and removed the charge after a few months. Yet because I did not pay because I did not realize the fraud happened until my credit was dinged for late payment my credit shows late payments. Although the fraud was removed the late payment XXXX and XXXX remains on the account. Since no payments were required except for fraudulent charges that have since been removed these late payment should also be removed.
Product: Mortgage

I applied for forbearance as a direct effect of covid19 when I lost my job. The process was severely delayed as I was requested to resubmit documents repeatedly. Then the mortgage company changed names, from XXXX to Amerihome, docs expired so the proceed started again. Once finally approved for the modification a letter was sent out stating my payments would now be {$2000.00}!!!!!! vs {$1700.00}. Unable to afford this payment In XX/XX/2021 I applied to refinance with my credit union as they pre approved me for a lower payment. In XXXX the branch manger at my credit union called to inform me they could not do the loan now because Amerihome reported to the credit bureaus that I was behind several months on my mortgage pmts when they should not have. I received a letter from XXXX apologizing and sorry for the inconvenience. I lost the opportunity with my credit union as a result. I contacted a FHA counselor for assistance. She tried several times to explain Im on XXXX now only receiving 60 % pay and requested a reduced payment. The counselor also contacted the attorney representing the mortgage co who also reached out to XXXX to apply my trial payments to reduce to total delinquency below XXXX so I could qualify for XXXX. AH didnt response to any requests. My FHA counselor advised I sign and take this modification knowing I couldnt afford it so the mortgage company wouldnt foreclose. They wouldnt agree to apply money I paid towards the delinquent balance but once they finalized the new loan I have a surplus in my account and the payments are more then what was stated. Current payment is now {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax my personal information may have been obtained by hackers that hacked Equifax 's servers and made off with millions of people 's personal information. I received confirmation that my information may be compromised by Equifax 's security site that offers a years worth of free security for people that may have been affected. Although on the surface this seems like a nice gesture, Equifax is actually taking advantage of this data breach in order to wash their hands of legal responsibility by getting victims of this hack to sign up for their " security service '' which binds the victim 's hands in a legal sense. Not only that, the heads of Equifax knew about this hack and took advantage by selling off their stock to protect themselves rather than face the consequences of this hack. Equifax is proving that they do not care about the countless people affected who did not request that their personal information be held by Equifax and have created a situation where their backs were saved while everyone affected has been left out in the cold.