23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

OnXX/XX/XXXX, I signed to purchase my home. Prior to signing I inquired about the process because I have graduate student loans. I was told they would not be an issue. I applied with Pulte mortgage and was denied. 

After my denial, I talked to other mortgage lenders and obtained a pre-approval. I was then advised that because I am not using Pulte Mortgage I had to pay the closing costs. 

As an attorney, I researched the issue. I believe the financial incentive allowed for Pulte mortgage is contrary to what the CFPB has said. The idea was to protect consumers and place all lenders on an even playing field to protect from a housing crisis like what occurred in XX/XX/XXXX-XX/XX/XXXX. It is my belief the incentive offered to use their preferred lender is in violation of rules set by the CFPB. I talked to the sales consultant and was told that is their policy. I spoke to the consultant 's manager and was advised the same. I received a call from a Pulte mortgage person and was advised they will look into the issue. 

The acts of Pulte Builder offering incentive to use their preferred lender is unfair to other lenders and offers an unfair advantage to their lender at the detriment of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX  XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX   XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
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 Account number XXXXXXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Contract callers XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX at 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 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: Money transfer, virtual currency, or money service

I was on XXXX asking about XXXX promotion he messaged me asking for acsess to account but was sending code for paypal I got email this XXXX XXXX had taken XXXX from my paypal account over drawn my bank account I reported but not response
Product: Mortgage

The mortgage for my home in XXXX, AL, was serviced by Ditech Financial. On XX/XX/XXXX, I sold my home. On XX/XX/XXXX, Ditech sent a letter to my new address indicating that my  loan had been paid in full and that a refund for overpayment or positive escrow balance would be mailed to me within 20 business days of the payoff date. On XX/XX/XXXX, Ditech autodrafted a mortgage payment from my checking account -- despite the fact that my account was " closed '' and " paid in full. '' I spoke with a Ditech customer service agent on XX/XX/XXXX, who apologized for the error and explained that Ditech had 30 days to issue a check to me to refund the erroneous autodraft. On XX/XX/XXXX, I called Ditech again to inquire about the status of my refund ; the customer service agent stated that my escrow balance refund check had been cut and was about to be mailed but that the mortgage payment refund check had not been cut yet and that Ditech has 30 days to issue that refund. On XX/XX/XXXX ( the 20th business day following the erroneous autodraft ), I called Ditech again to inquire about the status of the refund of the mortgage payment ; as the customer service agent started to tell me that Ditech has 30 days to refund that payment, she realized it was the 30th day/20th business day. She said the check had not been cut yet, but that it should be " soon '' and to call back the next day. On XXXX XXXX, I called Ditech again ; I have been advised that the check was cut on the night of XXXX XXXX and should be in the mail but that it could take up to 10 business days to reach me. I advised Ditech that I have retained an attorney to help me with this refund and that if I do not receive that check soon, they should expect to hear from my attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  ,  XXXX ,  XXXX ,   XXXX   to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent. Inaccuracy, Fraudulent, major errors  XXXX  1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3.   XXXX   4. The Bureaus Inc 5.   XXXX   XXXX   6.   XXXX   XXXX     XXXX   1.   XXXX   XXXX   2.   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX     XXXX   accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX
Product: Credit card or prepaid card

on XXXX XXXX, XXXX I received a letter form synchony bank that they closed my care credit account which I have had since XXXX. The account was paid up in full since XXXX of XXXX. The letter I got said that information from XXXX was why they closed my care credit account. I have two other synchony accounts, XXXX. credit card and one credit card which I use. when I talked to a supervisor at credit credit about why they choose to close my account no reason other than what XXXX told them. I feel this is very unfair way to treat a paying customer as I had the account current. now more than ever these company need to understand how important there customers are. thank for your time. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. CHAPTER XXXX BANKRUPTCY DISHCARGED
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/2022 I made complaints against the credit bureaus regarding information not being accurate in my credit report. I received responses from each credit bureaus as if the claims were investigated and my credit reports were verified. 

If the each of the credit bureaus verified my accounts that were being submitted to CFPB, why do my credit report indicates from each of the credit bureaus that the accounts were never disputed? If they were verified why is all of the highlighted information on the accounts still not the same? 

XXXX complaint number XXXX Experian complaint number XXXX XXXX  complaint number XXXX
Product: Debt collection

I had a charge off for XXXX XXXX / XXXX XXXX for {$160.00} on my XXXX XXXX card it went to collections agency XXXX XXXX back in XX/XX/XXXXand then it went a third party collector in XX/XX/XXXX. I have paid over the amount owed between the 2 collection agency and XXXX is still stating I owe over $ 74.My bank accounts show payments made XX/XX/XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX {$32.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX  XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX  XX/XX/XXXXeE ERC {$33.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX XX/XX/XXXX ERC {$30.00} XXXX XXXX XXXX So I am not sure if the collection agency distributed the payments to the orginal creditor. I have well over paid the amount due back in XX/XX/XXXX.
Product: Checking or savings account

I have a traditional IRA savings account at Ally Bank. I have been trying to transfer some of these funds to a traditional IRA at another institution for weeks. Ally personnel have been consistently disorganized, kept poor records of my previous conversations with other Ally personnel, unhelpful and inconsistent in their instructions regarding transfer instructions, and, at times, overtly obstructive. Multiple calls with them have been placed on extended ( >30 min ) holds after initial verification of my identity and some disconnected without warning. With assistance from the other institution, I have sent several written requests for this transfer, including most recently, an " ink signed '' version sent overnight to the address Ally provided. They still have not transferred the funds!
Product: Checking or savings account

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , am submitting this statement to address instances of identity theft and fraudulent activity that have compromised my personal identifiable information. Over the past several months, I have become aware of unauthorized access to my personal and financial data, leading to fraudulent accounts, inquiries, and other suspicious activities. 

**Compromised Personal Identifiable Information : ** - My name, XXXX XXXX XXXX XXXX XXXX has been utilized in various fraudulent activities, including the opening of unauthorized accounts and inquiries into my credit history without my consent. 
- My address, phone number, and other personal details have been used to create fraudulent accounts and conduct unauthorized transactions.

**Fraudulent Accounts : ** - I have discovered the existence of fraudulent accounts in my name, including collection accounts and accounts with outstanding balances, such as the XXXX XXXX XXXX XXXX XXXX which I did not authorize or create. 
- Additionally, there have been unauthorized inquiries and applications for credit, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unspecified **Actions Taken : ** - I have taken immediate steps to dispute these fraudulent accounts and inquiries with the respective credit bureaus, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
- I have also filed a report with Truist Bank 's Identity Theft Victim Assistance Group and provided them with a completed identity theft affidavit, as well as with law enforcement authorities. 

**Request for Assistance : ** - I am seeking assistance and support in resolving these fraudulent activities and restoring my credit and financial well-being.

- I request that identitytheft.gov assists me in investigating these instances of identity theft, coordinating with relevant financial institutions and credit bureaus, and taking appropriate action to remove fraudulent accounts and inquiries from my credit report. 

**Conclusion : ** In conclusion, I am deeply concerned about the impact of these fraudulent activities on my financial stability and reputation. I am committed to working diligently to rectify these issues and prevent further harm. Your assistance in this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For months I have been disputing multiple errors on my credit report and not only the creditors but also the credit bureaus have failed to delete, or even correct, the accounts in question.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Calrity Services XXXX Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services Inc., a part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments reported were due to a technical issue with XXXX XXXX 's billing system. My payments were made on time, as confirmed by my bank records, but they were incorrectly posted late due to a delay in the creditors system. This error resulted in my account being marked as 30, 60, and 90 days late, which is not reflective of my actual payment behavior. 
Evidence provided : Bank statement showing the payments made on time. 
Correspondence from XXXX XXXX acknowledging the technical issue with their billing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I recently discovered that my creditor failed to provide the required XXXX notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees. 

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue. 

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the XXXX notice requirement, not my negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 41 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my report. It has been over 41 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you causes me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), anyconsumer reporting agency furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), noconsumer reporting agency may make any consumer reporting containing any of the following items of information : ( 5 ) Any other adverse item of information, other thanrecords of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Aperson shall not furnish any information relating to aconsumer anyconsumer reporting agency if the person knows or hasreasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health. My social security number was sold on a black market, and this is currently being investigated.
Product: Debt collection

Cavalry Portfolio Service They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorized inquiries appear on my respective credit reports : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Spoke with the case manager today XXXX XXXX about the Judicial Sales date set for XXXX XXXX .... All paperwork was submitted more than 37 days before the foreclosure sales date.. Asked XXXX why is the date still valid ... Due to the fact the paperwork was submitted more than 37 days before the sales date .... XXXX informed me the banks policy states they can keep the date up to 1 week before the sales date " Just In Case '' a modification is not feasible .... I stated this is illegal due to the new rules ... XXXX proceeds to say " What If I Do n't Accept The Modification or Ca n't Qualify '' the Bank will still have that date looming over my head so I will be forced to accept what ever terms the underwriters decides ( this is the conclusion I was able to understand according to what XXXX XXXX was trying to explain only what was written in quotations is what XXXX actually stated ) Included in the submitted documents I copied all the CFPB rules to ensure no confusion would occur unfortunately some sort of misinformation still takes place at this time ....
Product: Credit reporting or other personal consumer reports

Hello. I am submitting a complaint Due to inability of accessing my credit report, I am concerned that there may be inaccuracies in my personal information that need to be corrected. It is crucial for me to ensure the accuracy of my credit report as it may impact my financial well-being and access to credit. I kindly request your assistance in addressing this matter promptly. Please investigate this issue and take appropriate action to allow me access to my credit report and scores and update my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) .I have attached copies of my identification and any relevant documentation to support my complaint.