23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My complaint concerns compliance with the Home Mortgage Disclosure Act. By section 1003.5, I can request HMDA data directly from a lender after XXXX XXXX, and expect to receive it back within 30 days. 
I requested HMDA data from Quicken Mortgage on XXXX XXXX, 2016. I have not received a response. I followed up by telephone on XXXX XXXX. The company routed me through many different departments and then hung up on me. All along, their response [ paraphrased ] was " let us see about your request and if it is our policy to fulfill it. '' I would like to receive their HMDA data. Also, I asked for any HMDA data related to their subsidiaries. I believe they have a subsidiary named XXXX XXXX, XXXX. If that is a part of their institution, then I would like to receive that data as well. I would like the data in excel, .data, or text file. I am certain that they keep their information in a digital format, so that should be an easy means of executing on this process.
Product: Debt collection

I received a call regarding an amount due from a emergency room visit XXXX/XXXX/XXXX in XXXX XXXX. I was fully covered by insurance at the time of the visit, however since treatment records were not submitted to the insurance company as requested multiple times the claim was never paid. After three months of attempting to get the documentation sent to the insurance company the office has been uncooperative and has not sent the information so the claim can be paid out however is still threatening negative impact on my credit. The insurance requested information several times, the most recent on XXXX/XXXX/XXXX and received no response or compliance to request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX UNAUTHORIZED HARD INQUIRY EXPERIAN BY XXXX XXXX XXXX  ). 

THE COMPANY ADMITTED WHEN CONTACTED THAT THEY HAVE RECORD AND DONT KNOW THIS IS SHOWING ON MY EXPERIAN ACCOUNT. THAT THEY ONLY PULLED " XXXX '' ONLY & 95 % OF THE TIME ONLY " XXXX ''. 

THEY SAID FOR 3 SEPERATE APPLICATIONS XXXX ONLY WAS PULLED. I AM CKNTACTING RIGHT AWAY BECAUSE THIS INQUIRY SHOULD NOT BE ON HERE. I EVEN HAVE EMAIL & THE PHONE CALL CONVO AS PROOF THAT IT SHOULD NOT BE ON MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be certified. that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account XXXX  XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX   have both completed their research and determined that XXXX   XXXX XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Money transfer, virtual currency, or money service

Skrill allowed my business associate to access some of the money I sent them but not all, they took a certain percentage of the total amount and blamed it on fees that were not previously disclosed.
Product: Credit reporting or other personal consumer reports

I made a Formal Complaint Regarding Incorrect Information on Credit Reports with Santander Consumer USA I called them to dispute and request assistance in resolving inaccurate and damaging information that has been reported on my credit report by them Santander Consumer USA. 

I contacted Santander Consumer USA to address errors on my credit report, as they inaccurately indicate that my account with them includes late payments and is not marked as Paid as Agreed. These inaccuracies are impacting my creditworthiness, and I request that Santander Consumer USA update all XXXX  credit bureaus accordingly. 

To clarify, I have fully paid the balance on this account down to XXXX and fulfilled all obligations, which should qualify the account to be marked as Paid as Agreed. Additionally, while there are records of late payments, these occurred due to exceptional hardships related to relocation and the COVID-19 pandemic, which would be considered as Natural Disasters, during which I faced unexpected financial challenges. I was approved by Santander Consumer USA for payment extensions to assist me during this period, yet this arrangement is not correctly reflected on my credit report. Given these circumstances, the late payments should be removed to accurately reflect my repayment history. 

The current negative information on my report is inaccurate and detrimental to my credit standing. I respectfully request that you instruct Santander Consumer USA to work with the credit bureaus to update my account status as Paid as Agreed and remove the inaccurate late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 This account is showing inaccurate on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Inaccurate items on my credit
Product: Mortgage

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2019 with an amount of {$300000.00}.
Product: Credit reporting or other personal consumer reports

Despite providing comprehensive evidence, including identity verification, proof of address, and a valid identity theft report, Experian and XXXX have failed to remove the following disputed accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were disputed as fraudulent and unverifiable. Under FCRA 611, unverifiable information must be deleted. 

However, the credit bureaus continue to report these accounts without providing evidence to support their accuracy. 

This lack of action violates my rights under the Fair Credit Reporting Act and has caused significant harm to my creditworthiness and financial stability. Despite multiple submissions of all required documentation, including a valid FTC identity theft report and supporting evidence, the investigation process has been inadequate and non-compliant.
Product: Credit reporting or other personal consumer reports

On Friday XX/XX/XXXX, I called XXXX Credit Karma to update my email and phone number on my account, inorder to access my account. 

I chatted with two people regarding my issue due to being hacked and my identity being stolen that all my emails have been taken and needed to rid of the email and replace it with my new email address. 

They asked for my ID, which I was skeptical in doing, but they stated that it was a requirement that their company did. 

I told them that if I get hacked that I would report them!. 

I sent my light bill and a photo of my driver 's license, but they stated that my license did not show the four corners and the back of my license, which I did not send to them. 

That was when I told them to give me their phone number which is XXXX XXXX in order to handle my account. 

They hung up on me 3 times, because I asked them to close my account, instead of them trying to update my account. 

I told them that I was going to report them to the Federal Trade Commission for not closing my account. 

They gave me the case number and confirmation number combined together and the lady said that it will take a few days to close my account. 

This is the confirmation and case number : XXXX Please help me to make sure that they close my account so I won't get hacked again. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX
Product: Student loan

I was misled in regards to the income-driven repayment plans- for the longest time, when I would call I would be given a forbearance, that wasn't right. I should have been provided an income based repayment plan, I was forced into forbearance which caused my interest to increase when it didn't need to. 
I was also deceived about the requirements for cosigner release - my parents are cosigners and should have been released by now. 
In addition, I was mislead about improving my credit score and how the interest it would effect my credit- it has continued to increase which has caused my credit to decrease. This has put me in a really bad situation when it comes to home buying and moving forward in with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several inaccurate items in my credit report but the credit bureaus haven't answered me.
Product: Mortgage

I highly caution anyone thats looking to do a reverse mortgage with American advisors group AAG to not do it! One hand doesnt know what the other hand is doing they stretch it out every day clicking up the charges for you. It takes 10 to 14 days in this computer age to get a pay off letter thats ridiculous. The sad part about this is this is geared towards senior citizens which could be considered elder abuse XXXX XXXX is on TV all the time talking about this encouraging people to do this Im telling you from first-hand experience do not do it its a nightmare.The Lansing office that Ive been dealing with I have told them and sent them documents stating my fathers address has changed 3 times this year, they have never done it they may have done it now they broke their contract by not sending monthly statements it is not a good situation please please talk anybody whos thinking of this out of doing it OK thats my public service announcement for today.Many elderly have to leave their home because of health issues such as my father he would never be able to handle all this nonsense that weve been dealing with and I think that they know that and take advantage of it please convince your parents or whoever not to do that!
Product: Credit reporting or other personal consumer reports

This account does not belong to me, and I did NOT XXXX authorization for its use. Kindly remove this erroneous account from my records.
Product: Credit card or prepaid card

XX/XX/17, Golden One Credit Union notified me via an email Alert ( below ). I said the charge wasn't mine, but was told charge went thru a 2nd time and had been approved by XXXX for {$360.00} : ALERT FOR CARD ENDING IN XXXX XXXX Transaction details Your Golden 1 Credit Union VISA card was recently declined for a transaction. If you did not make this transaction or have questions, please contact us at XXXX. 

Transaction Details : Transaction Amount/Currency : XXXX USD Merchant Name : XXXX Merchant Location : XXXX, US Merchant Category : Discount Stores
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have complaint with CFPB with XXXX account. Equifax responed they need more time to investage this acccount I feel XXXX should be removed from my equifax credit report while they investigate this because it is unfair for this to be on my credit report when I did not make these charges
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had multiple late payments on account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of ( XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.
Product: Credit reporting or other personal consumer reports

I have an open account with XXXX since 2017. Unfortunately, there were some times that I fell behind due to a financial setback when I was in college that resulted in late payments. Despite this challenge, I diligently managed to catch up. However, I have discovered that this account is currently reflecting as negative account activity on my credit report. 
This misleading information is impeding my ability to pursue a significant milestone in my life- buying a home. Maintaining good credit is of utmost importance to me, and I am eager to rectify this situation. I firmly believe in taking responsibility for my financial obligations and view good credit as non-negotiable. Now, I am compelled to request XXXX to remove the damaging information from my reports. I am aware of the importance of adhering to policies, but I also firmly believe that everyone deserves the opportunity to make amends for past mistakes. I firmly believe that the repercussions of unforeseen circumstances should not have a perpetual impact on one 's financial standing. People do deserve a goodwill or second chance. This is unfair that this information has to linger for years.
Product: Mortgage

I am writing today in regards to my account with Fifth Third Bank Account # XXXX. The reason for writing today is in regards to a late payment which is showing on my report in XX/XX/2020. As you are aware that is during the pandemic which was declared by FEMA an the CARES ACT was passed to assist consumers who were struggling. Due to XXXX I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$320.00},
Product: Debt collection

I received an alert on my credit that my score dropped 15 points. I checked my credit found company Afni Inc. located In XXXX IL. Ive never received any calls from this company or the original creditor which is XXXX. Debt is from 2014. Im not aware I had a balance with the original credit I do not feel like I owe a balance. I called Afni and told her was not notified she confirmed that no letters had been sent out. I informed her Im a Collector myself and Im aware of the fdcpa laws and this needs to be removed she said she will send a notification to the credit department to have it deleted since I was not notified. I explained to her I did not owe a balance asked her what was the charges she said did not have a breakdown of the charges because the debt is over 5 years old. Asked her how can they collect on something that they can not provide proof of what the debt is exactly for she said well if you give me your card number and pay this I can have it deleted told her Im not paying for something that she can not give me a breakdown of charges as to what Im charged for. She did tell me debt is from XX/XX/2014 and that she does she a payment made ok XX/XX/14 which was a large amount I asked was it for equipment because Ive returned all equipment she said like I said I cant give you that information. This has damaged my credit greatly and something needs to be done about it ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the misleading information on these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I do not recognize the creditor, nor the account that is being reported. I do not owe XXXX XXXX XXXXl located at XXXX. XXXX XXXX XXXX TX XXXX. 
This has been reporting on my credit profile and ruining my credit. They are unable to provide signed contract for services and will not provide proof of identity. Please remove from credit profile.
Product: Student loan

I am unable to pay on my private student loans under the circumstances that I have recently separated from my spouse and now I am taking on more responsibilities as far as carrying on more bills on my own including my XXXX minor children. I was recently in the repayment program but was dropped automatically as soon as I told my loan service provider that I am unable to make any payments at the moment. They told me I have exhausted my deferment and forbearance options and they are unwilling to work with me, stating that I am still responsible for paying a minimum of over $ XXXX monthly. My loans will go into default which in turn can destroy my credit and score. I would like something to be done immediately.
Product: Credit reporting or other personal consumer reports

I have addresses and telephone # s and names that do not belong to me reporting on my credit report I had fraud and identity theft I will be sending a copy of my identification of where I have resided for the past 15 years I will like them to be deleted from my credit report please