23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I called natsb to get an update on my background check and they said they found a felony. I was only notified of this felony until XX/XX/XXXX when I called. Had I never called I would of never know they were reporting inaccurate information. I told them those charges were dropped for me and there. I asked that they need to pull the court documents to get better accurate info. She said for me to do the research and there decision may not change. I went to XXXX XXXX and read the correct information of the other person being charged and convicted and my charges being dropped. everyone involved was on the same case no. I guess natsb did not further investigation the case number and the names. 
If a company going to have full control of your lively hood they should report accurate information and if there is a problem they should be able reinvestigate in appropriate amount of time. The system is not fair. The person who is being investigated has no rights. 
Sometimes you have to view the court documents instead of the report for accurate information.
Product: Credit reporting

This credit reporting agencies has not properly verfied this account belongs to me by getting the creditor to validate information with proper documentation showing this is my account. Because the creditor havent send me proper verfied document. And proving that i have a contract with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting a loan that was paid off with Rushmore LMS as a foreclosure. I have disputed the remark in my credit report 3 times both with XXXX and with the lender and they continue to fault each other for the mistake. In the three occasions, XXXX  has removed the foreclosure remark only to reappear few days later. I have revisited with the lender each time and they continue to say that they are reporting the account correctly. Looks like I am trap in a vicious circle where the end result is that I get stuck with a " foreclosure remark '' that never occurred. On the opposite, the loan is paid off and I already received the deed of the property free of any liens.
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 15 USC 1681. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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 card or prepaid card

On XX/XX/XXXX, I applied for {$50.00}, XXXX business line of credit designed for XXXX  businesses at BMO Harris Bank located at : XXXX XXXX XXXX XXXX XXXX, MN XXXX. My company ; XXXX XXXX XXXX, has been in business in the State of Minnesota since XXXX. I was told by the branch manager ; XXXX XXXX, that the minimum credit requirement for this line of credit is XXXX, as long as that hold true, and the company is majority owned by XXXX, we should not be worried at all. In addition, I was told that we have to open a business account with a minimum of {$5000.00} and in return, BMO will reward us {$500.00} in the next 90 days so long we maintained that {$5000.00} balance on the business account. In fact, not do I met the minimum credit requirement of XXXX, my personal credit score with XXXX was XXXX at the time of the pull. 
I was in for a rude awaking on XX/XX/XXXX, I was told that my company has been denied due to the fact that the company 's EIN was not listed on my personal Schedule-C personal taxes returns for XXXX & XXXX fillings!! This was a shock to me as I am in the financial/lending industry and we know many single owned entity enterprises use either the owner 's SSN or the company 's EIN on the personal Schedule-C tax fillings. More Importantly, BMO Harris was out compliance for the date of the application ; XX/XX/XXXX and the date disclosure ; XX/XX/XXXX. 
Not only do I believe my company has denied for wrong reason, but also this has cost me 18 points reduction on my personal credit score with XXXX which BMO Harris is refusing to remove credit inquiry.

BMO Harris Bank not only are advertising this Business line of credit for minority, I they're disclosing it wrongly and their practice is deceiving the same people it supposed to help. I hope the regulators should take a look at it. 
Thank you Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/2020, we paid cash for a home to be our primary residence. The cash came out of an investment account. I applied the same day to Quicken Loans/Rocket Mortgage to obtain a regular, 1st mortgage, so that we could replenish our investment account. I clearly stated my intention to do some work to the house, which included needing to fumigate the home for termites, plus other remodeling and improvements. The loan consultant insisted that we could apply for a primary residence loan, as our existing home was up for sale, and will actually sell and close escrow in a few weeks. 

The appraiser came out to the house and I met them there. I explained that we were doing remodeling before moving in. Today, Quicken Loans/Rocket Mortgage stated that we were not eligible for a regular first mortgage, despite my providing the loan consultant all pertinent information at the time and subsequently. I believe the deposit we paid was fraudulently obtained, as they did not give me the information that a regular first mortgage would not be available to me. I was informed of that today, XX/XX/XXXX. I had provided them with all requested insurance, financial, ownership and title information prior to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax around XXXX XXXX, XXXX about Bankruptcy XXXX. The dispute was asking that they verify the information that was showing on my report. On XXXX XXXX, XXXX I received a response saying that the information was verified by XXXX XXXX. I found this information to be very unlikely because I had placed a freeze & suppressed my consumer records with XXXX XXXX on XXXX XXXX, XXXX. I then sent another dispute to Equifax on or around XXXX XXXX, XXXX asking for validation of the Bankruptcy being verified. The response was closed saying that it was verified & no further information was provided. I placed a call to XXXX XXXX to ensure that the security freeze and suppression were still in effect. I believe that Equifax is claiming that information was verified that has not been verified.
Product: Mortgage

I am requesting from Nation StarXXXX during the modification process. Case # XXXX This is in response to complaint I need clarification that no payments were going to be accepted during the process until I was conditionally approved to make trial payment correct? 
With respect to the call transcripts and recording, do I need to file a civil complaint in order to get a subpoena?
Product: Debt collection

I received a letter from BOA dated XX/XX/2019 stating that my issue was resolved and that no further action was needed on my part. It also stated that they would contact the credit bureaus to have them delete the account on my file. Its been three weeks already since that time. I submitted the letters to the credit bureaus myself and XXXX  told me today XX/XX/2019 that Bank of America DENIED the letter that they themselves sent to me. This company is playing games and that account was reported on my file again this month which resulted in my credit score going down again. Please assist. 
( I have a complaint that was already resolved that should be on file )
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, of collection account opened at XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, A collection account opened at XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a formal request to Equifax, XXXX, and XXXX on XX/XX/XXXX to correct the balance to show {$0.00} on a revolving account for creditor XXXX XXXX XXXX XXXX. As of XX/XX/XXXX this debt was cancelled and reported to the IRS. I have included a copy of the XXXX Cancellation of Debt form summary provided by XXXX XXXX XXXX XXXX. Equifax, XXXX, and XXXX are still reporting inaccurate, misleading, and outdated information for this account on my credit file.
Product: Credit card

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. The fraudulent, inaccurate, and false information consists of a credit These accounts have led to several fraudulent hard inquiries and unauthorized collections appearing on my consumer FICO credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are a result of identity theft and fraud. As proof, I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission, indicating that all these consumer credit accounts, collections, and hard inquiries are linked to identity theft and fraud.
Product: Debt collection

I am writing to formally dispute the validity of a collection account appearing on my credit report. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am requesting detailed validation of the debt in question.

Account Information : Creditor Name : [ Name of the Creditor ] Account Number : [ Account Number ] Amount : [ Debt Amount ] I am exercising my rights under the FDCPA to request the following information : 1. Verification or proof of the alleged debt, including the original creditor 's name and address.

2. Documentation evidencing that the collection agency has legal authority to collect this debt.

3. A complete accounting of the alleged debt, including all charges, fees, and interest applied.

I also request that you provide me with a copy of the agreement that authorizes the creditor to assign or sell the debt to the collection agency.

Furthermore, please provide verification that the statute of limitations on this debt has not expired.

I understand that, under 15 U.S.C. 1692g, you are required to provide me with the requested information within 30 days of receiving this dispute. 
Failure to do so will result in the assumption that the debt is not valid, and you must promptly remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX acct # XXXX remove these remarks from the account. 

XXXX XXXX XXXX  Acct. # XXXX Remove all remarks from the account remove the late, this account is closed XXXX XXXX Acct XXXX XXXX I'm still in possession of the vehicle, still making payments on the vehicle as of today. Remove all late and repo status on my credit report
Product: Credit reporting or other personal consumer reports

Investiagtion was XXXX an violated several US COdes ; 15 USC 1681 ( a ) i, 15 USC 1681i ( a ) 6 ( B ) 3, 15 USC 1681i9a ) 5 ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXXDispute XXXX XXXX XXXX XXXX XXXXDispute  XXXX  XXXXXXXX XXXXDispute DEPT OF ED/XXXXDispute XXXX XXXX XXXX XXXX XXXX XXXX XXXXDispute XXXX XXXXispute XXXX XXXX XXXXSDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXSDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXX filed ftc violations on all above
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps putting a negative statement in my profile. I have called them on a recorded line as I record all my calls and they assure me that the statement will be taken off then they put it back on. These XXXX  dont realize that I will keep filing a complaint as long as I have to until the statement of dispute is removed. I have never disputed this account. The account is closed and handled by a 3rd party company and payments are in good standing so why would I dispute. I think they pick random accounts to place negative statements on. They are violating the FCRA.
Product: Mortgage

On XX/XX/2020 at XXXX XXXX email was received from XXXX to our Realtor stating that the CD sent was not Final but we need to sign in order to close on time. This was again expressed in a phone conversation with XXXX. We asked our real estate agent to assist due to the fact that XXXX or his assistant were not explaining things to us and were really hard to get a hold of. In which he followed up with the email dated XX/XX/2020 with a recap to us XXXX and the builder. I believe this was a great opportunity for XXXX to reach out if by any chance this info was incorrect. On the day of closing, we were put in a difficult cituation when we saw the amount was not {$9300.00} as previously thought and collaborated via phone by XXXX XXXX days earlier. We did not want to close to the point we left the title company after a phone conversation with our Real Estate Agent and taking into consideration that the builder had XXXX in escrow and that we had already given notice that we will be leaving our current residence we had no choice only to proceed with the transaction. All that we are asking is that the lender keeps his word and refund us the difference of what we got. Yes, disclosure where signed but XXXX told us there was a 3 day waiting period and the need to be signed that way to close on time but those were not the final ones. We feel we were misled and we are owed the amount promised via phone.
Product: Debt collection

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX ( ORIGINAL CREDITOR : DSNB MACYS ) XXXX Date Open : XX/XX/2019 Balance : {$18000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$1700.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$170.00}, XXXX XXXX XXXX Balance : {$890.00}, XXXX XXXX XXXX Balance : {$9200.00}, XXXX XXXX XXXX : {$960.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$870.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " XXXX '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS. PLEASE SEE ATTACHMENT!!!!!!! NOTHING IS BEING DONE I'M REPORTING THIS TO THE ATTORNEY GENERAL AS WELL MY LAWYER
Product: Credit reporting or other personal consumer reports

Experian has been locking me out of an app where I can view my scores. Furthermore, the company is making claims of items like mortgage and car purchases that do not show on any other reports and I have not made or authorized, I have not been able to access my information and have not gotten a reply from a request to send in Identification which I do so by certified mail over 30 days past, and have not gained access to date.
Product: Checking or savings account

I have had a checking account with XXXX XXXX  since XXXX with no issues. For approximately XXXX years, I have had my XXXXXXXX XXXX  checking account linked to my PayPal account to exchange funds with friends/ relatives/ businesses, etc. 

On XX/XX/XXXX, unknown person 's unlawfully logged into my PayPal account, by unknown means, a made a fraudulent purchase through XXXX XXXX XXXX XXXX XXXX, in the amount of {$160.00}. 

I was instantly alerted via email by PayPal that my purchase was successful. Since I knew I had not made any purchases and I do not have any XXXX accounts, I logged into my PayPay account and saw not only the fraudulent purchase, but that someone attempted to set this payment to Autopay to come out of account regularly. 

I immediately changed by PayPal account password, cancelled the autopay and attempted to dispute the transaction with PayPal by submitting a complaint. The response I received was they would review it and make a decision. Within XXXX day, PayPal notified me the payment was NOT determined to be fraud and they were authorizing the payment to XXXX. 

My PayPal account, on the date of the fraudulent purchase, had a balance of XXXX from a payment from a friend who I paid for an excursion with. Therefore, PayPal used my balance and attempted to pull {$130.00} from my XXXXXXXX XXXX  checking account. 

Luckily, once I notified my bank, they stopped the payment to PayPal so my checking account balance was not affected. However, I did have to close my account and open a brand new account to prevent this from happening again. 

Now, PayPal is claiming I owe them {$130.00}, which I do not and will not pay on account of them refusing to stop the payment. 

I did reach out to XXXX XXXX ' customer service center, also. They were of no help and would not provide me with any information since I am not an account holder with them. Which is ironic because you'd think me not having any accounts with them, would also be an indication that I did not make this fraudulent purchase. 

The only information I can see regarding the fraudulent transaction, came from PayPal 's record which reflected the following : Seller info XXXX XXXX XXXX XXXX XXXX. 
XXXX Invoice ID XXXXTRAN Purchase amount {$140.00} Tax {$12.00} Total {$160.00} Paid with PayPal balance {$160.00} Transaction ID XXXX