23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Yesterday XXXX  XXXX 2021 i received a letter notifying me that AmeriHome Mortgage in XXXX NJ will no longer be my servicer and will be transferring my mortgage to XXXX XXXX  of XXXX. XXXX NJ. Not a big deal since it is a common practice. I've only had my mortgage for 1 year and have already been transferred now 3 times. Again not a big deal. My issue happened today XX/XX/2021 when i discovered, I'm speaking to XXXX Mortgage to get details of the transfer and find out the person " XXXX '' I'm speaking to and giving personal data to " verify my identity and loan '' is in XXXX. Someone across the world giving me a fake name, not licensed in any state of the US has all my data now, including but not limited to things like name, address, dob, social security and mother 's maiden name, loan number, balance etc.

I called Amerihome and they said nothing could be done. I could pay them to refinance the loan and hope that it stays in house or gets transferred to another company in a year that is US based. 
This practice needs to be looked at and consumers need protection of private information. This outsourcing can't be safe and there is no recourse if they abuse private information. 
PLEASE HELP.
Product: Credit reporting or other personal consumer reports

I lust recently looked at my credit report XX/XX/XXXX. XXXX. I saw some hard inquiries that did not have permissible purpose. also attached evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 , This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b, thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 4 months I have requested from   XXXX    the " ORIGINAL '' documents provided to them by the credit collection agencies who have reported negative accounts on my credit report. The credit collection agency is Central Financial Control and the account number is  XXXX . I do not have any knowledge of this account. Under Section 609 of the FCRA it clearly states that the credit bureaus have to have on file the with my " ORIGINAL '' signature that were provided to them by the credit agencies. After all of these months they have rightfully deleted some of the accounts reported on my credit report but to this day I have yet to receive all of the requested documents and the negative accounts have remained on my credit report. Each credit bureau have deleted some of the accounts that another bureau keeps reporting and some accounts have remained on my credit report that other agencies have deleted. How is that possible? Either they have the documents that I am requesting or they do n't. All am simply asking for is the " ORIGINAL '' documentation that they received from the creditors that have reported negative information on my  credit report that they are required to provide me with upon request and they have yet to provide me with that information yet they keep the negative information on my credit report. Could you please open an investigation and help me get my credit report sorted out.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I recently reviewed my credit report and noticed that an account with XXXX has been reported. I would like to understand how this account was verified during the reporting process. 

Could you please provide information on the methods or documentation used to verify the account with XXXX? Any clarification regarding this matter would be greatly appreciated. 

Thank you for your assistance, and I look forward to your response. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXXXXXX2022 I received an alert from my credit monitoring services informing me that there was hard hit on my credit report from XXXX XXXX XXXX. I already have an account with them and there was no need for any type of inquiry. This will affect my credit negatively. 
I want this problem corrected immediately
Product: Mortgage

Trying to refinance with another mortgage company and my current mortgage company Lakeview loan services /XXXX has been holding me XXXX by falsified payoff documents. Hindering the refinance. So I can move on. Lakeview loan services messed up on my taxes and trying to get me to pay for it. My XXXX veteran tax exemption was filed and reported to Lakeview
Product: Checking or savings account

To Whom It May concern, My name is XXXX XXXX. I'm a XXXX who recently relocated to XXXX for work in XX/XX/XXXX. I had a similar issue occur with a personal account with XXXX XXXX XXXX  back on XX/XX/XXXX about a month after opening the account. Once I received my XXXX  debit card, I then shortly after received a letter in the mail saying XXXX  was closing my accounts. 

Now on XX/XX/XXXX about 4 months from signing up with Chase bank. I received a letter in the mail from Chase, stating my name is connected to a " Publicly Reported XXXX XXXX ''. 

Now it seems that Chase has done the same thing as XXXX XXXX XXXX. after I opened my personal account back in XX/XX/XXXX & funded it through my XXXX business account. I've recently registered my XXXX XXXX in XX/XX/XXXX but I'm skeptical about opening a business account or another personal account in case this issue persists. 

Long story short XXXX XXXX keep closing my accounts for no reason.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts shall be removed immediately : 1. XXXX XXXX 2. XXXX 3 . XXXX XXXX 4 . XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7 . XXXX 8 . XXXX XXXX XXXX  9. XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furish a account without my instructions. 15 USC 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. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furish 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 in accurate. I'm demanding that this accounts be removed as soon as possible.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had tow late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibillity to report consumer information to the best of their abillity whit maximun accuracy. I have never been late on payments fot the account : XXXX XXXXXXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be uptated to on time as they should be as I was never late. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern : This is a formal complaint that Transunion is reporting inaccurate credit information. 
I am very upset that Transunion have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongly denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on the reporting creditors " Transunion '' part and I am formally requesting an investigation into these items XXXX : Account appeared XX/XX/XXXX XXXX XXXX : Account appeared XX/XX/XXXX XXXX XXXX : Account appeared XX/XX/XXXX XXXX XXXX : Account appeared XX/XX/XXXX XXXX XXXX : Account appeared XX/XX/XXXX XXXX XXXXXXXX : Account appeared XX/XX/XXXX None of these accounts was giving my content and linked to an old address. I have sent Transunion my updated address months ago still no actions been taken to this matter. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After a very recent dispute, initiated through EQUIFAX, the following account has comeback with an update- verification showing the same gross error as before.IT HAS BECOME OBVIOUS that the XXXX XXXX XXXX is uneducated as to credit reporting and the FCRA ... .Equifax who should be removed by Congress as one of the Big Three CREDIT BUREAUS is inattentive, incompetent at remediating gross credit errors that they are required by the FCRA to remediate WITHOUT ANY INPUT FROM THE UNEDUCATED SUBSCRIBER.I am aware I have a civil suit that has grounds for gross negligence of EQUIFAX and the XXXX XXXX XXXX XXXX and both are guilty of wrongdoing that has harmed me financially ... ..the estimated fico loss is 50 points caused by this indefensible and unconscionable misreporting. 
It is also the duty of the CFPB to attend to both organizations with deserved fines, lawsuits and years long supervision.The attached evidence is conclusive as pertaining to my grave allegations. 
The account in dispute is XXXX XXXX XXXX/XXXX, ACCOUNT NO.XXXX THE ACCOUNT WAS CLOSED/TRANSFERRED IN XX/XX/XXXX. 
THE MIS-REPORTING SHOWS TWO 120 DAY LATES OCCURRING IN CALENDAR YEAR XXXX AS IF THE LOAN WAS OPEN IN XXXX IN THE DEPICTED PAYMENT HISTORY.This loan  today is with XXXX XXXX XXXX AND HAS BEEN SINCE XXXX OF XXXX AND IS CURRENT IN GOOD STANDING. 
IT IS ACCOUNT NUMBER XXXX
Product: Debt collection

I was notified by mail On XX/XX/XXXX that a writ of garnishment was being filed on me. I do not know who the original creditor was. The letter seemed to be from the XXXX XXXX County Clerk of Court in XXXX XXXX, FL. The amount that is being garnished from my account is {$2000.00} dollars. The letter stated that I had 20 days to reply to the letter before any action being taken. Along with the letter was a claim exemption form that I needed to fill out and send to the Garnishee ( My Employer ) and the Attorney for the Plaintiff which I did within the given time frame. 

I received a second letter that was dated five days later stating that the garnishment went into effect immediately without them waiting for the given time frame to expire and without getting my response or claim exemption form first. As I checked my pay stub, it shows that my paycheck was garnished {$240.00} for the pay period. I am furious, and disturbed that this can happen to the head of a household that earns less than {$750.00} per week. I need help and answers. The Plaintiff that is garnishing my wages is XXXX XXXX. 

* To further make matters worse, the correspondence that was sent to me has my first name misspelled. This may not even be a debt that I owe or that is even my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and was told that they can not remove this account due to it being an open collection on my report. 
I do not recognize these accounts at all we spoke to a rep- XXXX # XXXX
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. 
INQUIRIES : XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown accounts beiing reported on my credit report. Please refer to attachments for details.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX FCU XXXX Balance : {$0.00} XXXX FCU XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I have been having an issue with XXXX refunding the amount of {$770.00} back to my account after a few unauthorized transactions were made from XX/XX/XXXX through XX/XX/2018. XXXX did not complete thorough investigation with the transactions history and the use of my card. There were three fraudulent transactions that were approved on my account to XXXX on XX/XX/2018 in the amount of {$370.00}, XX/XX/2018 in the amount of {$32.00} and XX/XX/2018 in the amount of {$360.00}. I sent in all my information and police report of the identity theft incident that occurred. Please help me in getting my money back for I have been dealing with this coming up on a year. If there is anything else that is needed please contact me by phone or email. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was told my account needed attention and regards of one of my XXXX XXXX 's accounts being disconnected and the only way to reconnect was to match up the username and password information and when I did I was getting a error sign it was asking me to try again every time I tried to connect my bank to my Experian account it said incomplete I called and filed a case with one of the representatives XXXX was the case number I didn't hear anything back from anyone I didn't get to email a text phone call nothing and I filled this out on the XXXX of XX/XX/2020 call back today XX/XX/2020 ask to find out what's going on with my case number and they said they are going to give more feedback to the experience  boost department that handles experience boost I asked them if they could tell me when will I hear from him they told me that there's no timeframe I ask them what's the usual time frame they told me there's no timeframe that they can tell me I got a hold of her supervisor her name start with it a XXXX   and she gave me information in regards of deleting my accounts to reconnect them again now before I did that My credit score went down 15 points so I'm thinking like okay well I must have to do that then I must have to delete my accounts to reconnect them so I go to delete my accounts and my score drops 17 more  points I go to reconnect the accounts I just deleted on top of the account that was disconnected it's not allowing me now my credit score is XXXX from XXXX first of all the woman told me that she doesn't know what experience  boost does and regards of what they do to fix any issues but she told me that I should delete my accounts to reconnect my accounts but it dropped my score down even more she tells me that is nothing she can do this is heartbreaking this is life-changing, someone needs to be held accountable for this!
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. Please delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX collection agency Credence removed an alleged debit from all 3 credit agencies over 3 years ago as the debt did not belong to me. Now Credence has reinserted this same debt to all reporting agencies under my name without properly notifing me in advance. 

I have requested Credence collection agency to provide validation of this alleged debt, but they refused to. However, they mailed me a 50 % off settlement offer instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to make sure that the fraudulent items in my file are deleted. The items that I am disputing have nothing to do with me or have an affiliation with my transactions whatsoever. 

Please remove the following items : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have always made timely payments on this account, and as such, I am requesting that the late payment be removed from my account.
Product: Checking or savings account

The account was opened under an offer code XXXX where-in {$500.00} should have been deposited in case I fulfill the conditions of 2 direct deposit transactions which was done but the bonus was not credited till date. 


Also, I opened up a business account with them and they asked me to deposit some money in that account to make it active and when I did, the bank sent me a letter stating that they found some inconsistencies in the account info and they will not be able to process account opening. 

Post that, the account was closed by the bank and no 3 days after, account suddenly got opened automatically and the money also got deposited from somewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019, I RECEIVED A CREDIT ALERT REGARDING TWO STUDENT LOANS WHICH WERE TAKEN OUT USING MY SOC SEC NUMBER AND PERSONAL INFO, AND WAS REPORTED ON MY CREDIT FILES. I NEVER APPLIED FOR THESE LOANS, NOR DID A CO-SIGN FOR THEM. I COMPLETED A DISPUTE WITH ALL THREE CREDIT BUREAUS, FILED A POLICE REPORT, FILED A FTC ID THEFT REPORT, PLACED FREEZES AND LOCKS ON MY CREDIT FILES, AND CONTACTED THE LOAN COMPANY AND COLLEGE. EQUIFAX HAS HANDLED MY DISPUTE ( S ) HORRIBLY. THEY REPORTED REMARKS TO EVERY ONE OF MY CREDITORS/LENDERS STATING " CONSUMER DISPUTES '', WHICH I DID NOT ASK FOR. I WAS VERY SPECIFIC IN MY DOCUMENTS TO EVERY ONE, STATING AN INCORRECT/FALSE ADDRESS AND TWO FRAUDULENT STUDENT LOANS. 
EQUIFAX IS A JOKE WHEN IT COMES TO CUSTOMER SERVICE, NO ONE IS WILLING TO HELP, AND NOT TO MENTION NONE OF THEIR SERVICE AGENTS ARE IN THE UNITED STATES. I SUBMITTED EVERYTHING THEY'VE ASKED FOR, AND YET, THE LOANS & ADDRESS ARE STILL ON MY CREDIT FILE. EQUIFAX IS RUINING ME, MENTALLY AND FINANCIALLY. I'VE WORKED TO HAVE GOOD CREDIT AND SINCE XX/XX/XXXX, IT HAS CONTINUED TO DROP.
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 XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These accounts 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 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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. 

EXPERIAN XXXX XXXX XXXX XXXX : Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX