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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX inquiries are the result of identity theft and fraud. 
Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have fraud on my account somebody tried to open an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX told me to file report with you and I can only dispute it by mail by sending printout from your website after filing with you. XXXX does not allow me to file online and they are only open till XXXX.
Product: Mortgage

I am writing to formally submit a complaint regarding my recent experience with Lennar Mortgage, which I believe involves unfair lending practices and poor process management. Below is a detailed account of my situation : Loan Application Details : Application Start Date : XX/XX/year> Property Purchase Prices : {$250000.00} and {$260000.00} Loan Type : Mortgage for Investment Properties Summary of Issues : XXXX. Inconsistent and Poor Communication : The loan process was marked by poor communication from the lender. I received multiple, inconsistent reasons for the potential denial of my loan, each one changing after I provided additional proof and clarification in accordance with their requirements. 

XXXX. Unjustified Loan Denial : Despite providing comprehensive documentation, including tax returns, pay stubs, and utility bills as proof of residency, the lender ultimately chose to deny my loan based on an opinion-based decision. They referred solely to a letter of recommendation ( LOE ) and disregarded the substantial documentation I provided that met XXXX XXXX guidelines for investment property income. 

XXXX. Failure to Adhere to Regulatory Guidelines : The lenders refusal to use the appropriate documents as proof and their decision to rely on arbitrary methods for declining my loan application raises concerns about compliance with fair lending regulations. This approach appears to contradict the Equal Credit Opportunity Act ( ECOA ) and the Fair Housing Act ( FHA ). 

XXXX. Lack of Transparency : When I requested the proof of the XXXX used for the credit decision and their Home Mortgage Disclosure Act ( HMDA ) data, the lender declined to provide this information and stated they would look into it. This lack of transparency further complicates the issue and obstructs my ability to understand and address the reasons behind their decision. 

XXXX. Request for Regulatory Review : Given these circumstances, I am seeking a thorough review of this case to determine whether the lenders actions constitute a violation of fair lending practices. It is essential that lenders adhere to the established guidelines and provide clear, consistent, and fair treatment to all applicants. 

XXXX. Bait and Switch : Immediately after informing me that they would not approve my loans, they were quickly willing to pass my information to their other in-house lending option who was already informed of my personal information and had agreed would do my loan with no problems. This offer came with the same conventional loan but with a 2 % rate increase. 

I appreciate your attention to this matter and look forward to your assistance in resolving this issue. Please do not hesitate to contact me if you require any further information or documentation regarding my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting thi CFPB Complaint to you today in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this, I am now asking you for more information regarding these particular items in question. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX  XXXX Balance Owed : {$3600.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

In XX/XX/XXXX and XX/XX/XXXX I was at XXXX XXXX college trying to the knowledge I needed to be a successful automotive tech and because of the school regulations after my class was over I met after school to meet an instructor at his shop to help with homework and to help me understand how a business works at XXXX I was not an employee however a creditor started making calls there and I didnt appreciate being bothered while I was trying to learn. I went on from XXXX to go to XXXX XXXX after this creditor messed up my relationship I had with the instructor at XXXX .. Im still very XXXX this even happened and I lost XXXX dollars because I failed that semester and creditor took school funds. I told this creditor I was in school and it was on a legal document in XXXX county however I was completely ignored While attending XXXX XXXX I was offered a chance to attend training and schooling at a body shop all was through XXXX XXXX in XXXX and it was not a job. In XX/XX/XXXX Janson and vargo started garnishments on student funds took XXXX creating problems with my tools then continued to take XXXX a week till XX/XX/XXXX when I was placed on medical leave Im furious that I was bothered while trying to pass a very hard course. Thanks to janson and vargo my position was given to someone else and I lost the tools that where given to me XXXX from XXXX XXXX. My tools are now being repoed Im 13 weeks behind. So I spent 30 years trying to build a career only for screwed up creditors to destroy everything I worked hard for. I filed many complaints on here and other agencies and was told that I was sent documents to exempt this yet no papers ever showed up at my address. I was completely taken advantage of if I knew everything about law I wouldnt be having to pay for an attorney constantly. Your a complete disgrace and hope your happy with completely destroying my life all over a debt I doubt I owed. I just had to freeze my credit do to fraud and identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for unautorized inquiries to be removed, and they have not been removed INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I DID NOT authorize : XXXX. XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX. XXXX XX/XX/2022 XXXX. XXXX XXXX XX/XX/2022
Product: Debt collection

On XX/XX/2022, I reviewed a copy of my XXXX Credit Report & notice Midland Funding is reporting inaccurate information Date account open states XXXX Date of First Delinquency XXXX
Product: Debt collection

Started communication with Pacific Credit back in XXXX by responding to their dunning letter. I sent them a request for validation and they sent me a statement with a signature that is not mine ( Forged ) which had my personal and medical information on it. I sent them a letter asking them to send the alleged debt back to XXXX because they sent something that I didn't sign or authorize. I have also sent them letters asking them to remove the alleged debt due to Pacific Credit not validating the alleged debt they claimed I owe them. They have not responded to any of my requests after they sent the fraudulent document. If they would like to have an analyst review the document I would be glad to assist them in this process. I have also been in contact with XXXX XXXX about this and have gotten no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX XXXX creditor : XXXX -Account XXXX XXXX, XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount # XXXX, XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The following Inquiry : XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XXXX XXXX  : XX/XX/XXXX, XXXX XX/XX/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: 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : have made. It is the result of identity theft. 
XXXX XXXX XXXX OPEN XX/XX/XXXX {$2400.00} XXXX XXXX XXXX OPEN XX/XX/XXXX {$4300.00} XXXX XXXX OPEN XX/XX/XXXX {$260.00} XXXX  XXXX OPEN XX/XX/XXXX {$660.00} XXXX  XXXX   OPENS XX/XX/XXXX {$1000.00} XXXX XXXX  SELF OPEN XX/XX/XXXX {$1000.00} XXXX  XXXX OPEN XX/XX/XXXX {$1300.00}
Product: Mortgage

Called in late XXXX to request to start PMI Removal Process. 
Agent advised they had to send a letter via US Mail. 10 Day lead time Weeks go by and no letter. 
Several calls to customer service during this time. None offered any help and advised I had to wait for the letter. 
A Month has now gone by and I get to an escalation manager. She has no idea why the letter was sent. 
This is when the vail starts to come down. They claim they can only send " messages/ emails '' to the PMI team. They can not call. Every week from then to now I call or she calls me and asks did I get the letter? I advise no and they send another message. And on and on the train goes. 

On a side note this seems to be a trend. Many many reviews out there with people having the same or worse expertise with PMI removal. Apparently some pay {$150.00} for appraisal and then hear nothing... Someone of authority needs to look into this business. I have experience in this sector and no reputable company would ever work this way. Especially one of the big banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMONE WAS USING MY INFORMATION FOR SEVERAL YEARS AND APPLIED FOR MANY DIFFRENT ACCOUNTS AND LOANS THAT I WAS NOT AWARE OF I DID NOT GIVE ANYONE PERMISSION TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

On XX/XX/2022, XXXX transferred my home mortgage to Guaranteed Rate. Guaranteed Rate has twice sent me correspondence adjusting the escrow payment made. In the first letter, it advised it would be sending me a check for approximately {$1200.00} for overpaid escrows. That check never came. 

Shortly thereafter, Guaranteed Rate sent me a letter advising that my escrow would be increased every month by $ XXXX, and that they would be adding hazard insurance to the escrow. I called them XXXX times. On the third call they acknowledged they had not received information about my insurance, and that once it was received, they would decrease the escrow payment to the original amount, starting XX/XX/XXXX. My insurance agent ( XXXX ) sent proof of insurance. Guaranteed Rate has not decreased the mortgage amount due, with the additional, incorrect escrow amount.
Product: Credit reporting

Mailed a written request to Equifax to remove line items from Michigan XXXX XXXX and XXXX regarding a paid off student loan due to the fact that the US Treasury intercepted a forwarded an extra payment to my student loan account and it was not reflected on my file, even though I had the documentation. On XXXX XXXX I received a final response from Equifax stating they " verified item was mine '' ... .That was never in dispute, what was, was the accuracy of the record and as it did not reflect the all documented transactions on my file should of been deleted. On XXXX XXXX 2015 I filed a Summons & Complaint with XXXX in Michigan regarding this matter.
Product: Student loan

In XXXX, I received an email from the department of education stating that I may have an additional 4 months of qualifying payments for purposes of PSLF. Currently, I am on track for forgiveness in XXXX, but if those payments counted, then I could reach 120 payments this month. I submitted an ECF on XX/XX/2021 and have not heard back. I have called FedLoan and they can not provide any details on when I will receive a final payment count.

Also, there have been months over the years where I have paid in excess of the amount due in that month. I would like those excess payments to count toward my total payment count.

I would like assistance in getting a final payment count from FedLoan and processing my PSLF application.
Product: Debt collection

The agent from " Lake City Services '' has called several times, with my name claiming I have a debt to " XXXX XXXX XXXX  XXXX XXXX. '' I asked for an address to send my " cease and desist letter '' and sent a letter to Lake City Services, XXXX XXXX XXXX, XXXX XXXX, TX XXXX requesting proof of debt in writing. 

The letter hasn't come back yet, but their phone calls keep coming, and the requests for money before they " contact my employer '' or " take legal action '' have become more strident ( in phone calls ). 

Unfortunately, these people seem to have a lot of personal information which concerns me. 

The phone calls are from ( XXXX ) XXXX according to my phone.
Product: Debt collection

On XXXX XXXX they reported a collection account to the major credit bureaus. The account is a fraudulent account, due to a robbery we had in 2008 we have become the victims of identity theft. XXXX Services admittedly sent no letters or made no calls to the phone number or address that belongs to me, this information could have been found when they looked into my credit files, they would have also noticed the fraud alerts. By not sending me information and giving me the chance to dispute they took away my rights under the FTC 's FDCPA, I informed them of this and they offered no solution. They also stopped communicating with me and will not respond, I have also filed a complaint with the FTC regarding this matter. I am in the middle of XXXX and personal financing and this collection account that I did n't have the ability to correct before it went to the credit bureaus just dropped my credit scores XXXX points between the XXXX bureaus. It 's causing me monetary damages every day.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2019, this account has been classified as charged off, with this status recurring monthly thereafter. However, it's imperative to clarify that a charged off account should not be listed as part of active payment history. This misrepresentation can significantly impact the status of limitations. Your failure to thoroughly investigate this matter constitutes a breach of my rights. Thus, I insist on the deletion of the following account : XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax " reinserted '' an account back to my bureau on XX/XX/2019. 
The ( XXXX /XXXX  ) disputed account was removed between XX/XX/2019 and XX/XX/2019. I received an email stating my score increased 41 points. I have attached the copy showing this. 
" I was never notified by Equifax that this item would be reinserted ''. Equifax reported to XXXX XXXX when my credit increased the day the item was removed. However, several days later I received a new report that the account was reinserted which caused my score to drop 38 points. I called Equifax immediately and explained this error to several representatives on both XX/XX/2019 and XX/XX/2019 some of the names are XXXX and XXXX. I was on the phone and placed on hold with XXXX several times. Unfortunately, I was not assisted with my request to re-remove the negative account. The representative said the dispute was completed XX/XX/2019 and then stated it was verified by the creditor on XX/XX/2019. I was not provided details of how or why this information was reinserted, there were no documents provided to me from Equifax or from XXXX   XXXX  to warn me. I then spoke to the supervisor XXXX about the status of the disputed account he now says it is now still in process. Equifax is out of compliance because I should have been notified within 5 business days of the reinsertion.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint due to the consumer reporting agency refusing to process my recent disputes, despite having received a valid and signed Power of Attorney ( POA ) document authorizing my representative to act on my behalf. They have sent a stall letter stating that they will not proceed because they " do not believe the dispute came from me. '' This claim is inaccurate and disregards the POA provided. 

As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), and it is unlawful for the credit reporting agency to coerce me into using their online or phone dispute options instead of honoring my submitted disputes. I respectfully request that the consumer reporting agency process my recent disputes as previously submitted. 

Attached are the following supporting documents : My government-issued ID The signed Power of Attorney document Please investigate this matter and take the necessary steps to ensure my disputes are processed promptly. 

Sincerely, XXXX XXXX [ Your Contact Information ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX loan is paid off. traded the car in this account should show as paid off.
Product: Checking or savings account

i made a claim from XXXX. i behalf of XXXX dollars, wells Fargo denied my claims with no explanation until i called to check the status of it, they gave me a final credit, and then tok it away from me saying that i called to close the case, i asked for more info and i receive a lame excuse saying that there's nothing they could do and just to contact the XXXX
Product: Student loan

Receiving collection notice from The Northland Group via XXXX XXXX XXXX Bank. I have received letters on dated XXXX XXXX, 2015 to my cosigner and XXXX letters dated XXXX XXXX & XXXX to myself and my cosigner stating that XXXX XXXX XXXX bank has provided our information for collection activity. My loan through XXXX began being serviced by XXXX XXXX XXXX XXXX XXXX ) in XXXX. Regarding whatever the payment is, A representative from XXXX never attempted to contact myself or my cosigner. I also contacted The Northland Group via a contact form on their website stating the issue and that my loan 's payments have been sent and received by XXXX. I have not gotten a response other that the XXXX letters recieved today XXXX XXXX, 2015 that I mentioned earlier. XXXX notified me In XXXX 2015 of this change. All supporting documents will be attached.
Product: Payday loan, title loan, or personal loan

I have been making payments on this loan for over 18 months and my balance is even higher than the original loan amount. I didnt realize they are charging me a 59 % interest rate until I did some further diving into the loan details. When I inquired about bringing the interest rate down, I was told this wasnt an option. This is XXXX LENDING