23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I would like to submit an official complaint on XXXX XXXX a Senior Loan Advisor from Freedom Mortgage. I spoke to XXXX XXXX on XX/XX/22 and I verbally stated multiple time over the phone and via email to not run/pull credit reports for my wife and myself however he pulled our credit anyways without our permission. 

Agents ' info : XXXX XXXX Senior Loan Advisor NMLS # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Direct : XXXX Office : XXXX ext. XXXX Fax : XXXX XXXX FreedomMortgage.com
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>
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, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXXC XXXX, XXXX : XXXX, XXXX XXXX XXXX : 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: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts need to be removed from my credit report. These accounts should not be furnished on my consumer report as they are in VIOLATION!
Product: Debt collection

I sent a letter to Midland Funding referencing ( Account : XXXX ) and requested a validation of debt. It has been over 30 days and I have not heard from this company, I sent a letter to the company directly at : Midland Funding, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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/2018, I contacted customer service to activate a " lounge key '' program benefit that I was previously told I would be eligible for after XX/XX/2018. I contact XXXX at an XXXX Customer Service Call Center, whom initially told me there was no such benefit. After asking to speak to his manager, I was placed on hold for approximately 15 minutes and then told I would have to speak to the benefits team. 

I was then transferred to the benefits team and spoke with XXXX of the XXXX call center. XXXX did not provide her last name, employee ID number or Call Center City stating she is not allowed to give out that information. 

I was instructed by XXXX that I had to contact XXXX XXXX  in order to get this benefit activated. I explained to her that my credit card was not an XXXX XXXX card and that it was a XXXX XXXX XXXX - and XXXX  XXXX benefit - that required Citibank 's activation. XXXX placed me on hold for 10 minutes and then stated she could not assist me and that I would have to speak to customer service. I requested to speak to a manager and was told that no manager was available.
Product: Credit reporting or other personal consumer reports

*PERSONAL INFO* PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.
Product: Credit reporting or other personal consumer reports

My personal information including an old address, current phone #, and my social security has been found on the dark web and sold to fraudsters due to a Data Breach with XXXX XXXX XXXX XXXX once in XXXX and again on XX/XX/XXXX. I now have another company XXXX XXXX XXXX that has had a security breach that includes all addresses I have lived at as well as my DOB and Social Security as of XX/XX/XXXX. I have credit monitoring and have been able to stop the XXXX accounts from being opened however on multiple attempts I have requested that inquiries be removed as well with no luck. My specific grievance is with XXXXXXXX XXXX XXXX  XXXX ( requested inquiry be removed in XX/XX/XXXX ). and XXXX ( request inquiry be removed in XX/XX/XXXX ). I have also opened disputes with Equifax and XXXX XXXX and their response is that they need the creditor to remove the inquiry- they can't help me. Being a victim of fraud is very upsetting and frustrating because they all say they want to help you yet they do NOTHING. I have managed closing the accounts or stopping them from being opened myself. I have placed Security Alerts with all credit bureaus. I can not afford to hire a Credit company to help resolve this. I take pride in my credit standing and would appreciate accurate reporting from the creditors.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX are both violating my consumer rights.It is reporting repeatedly charge off and that is manipulating the statue of limitations.According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.this account is violating my federally protected rights and I demand this account be deleted from my XXXX, XXXX and Experian and XXXX credit reports and also { {$1500.00} } in damages for the pain and suffering and the credit violations.it has caused me XXXX XXXX and a lot of pain and suffering because I'm not able to get an auto loan deletion XXXX account # XXXX XXXX XXXX  XXXX XXXX
Product: Mortgage

Problem XXXX : I called to see if I had an FHA loan, or conventional loan. I was told it was FHA, and it Rushmore is saying it is conventional, but will not provide the the promisory note that was supposedly signed in XXXX of XXXX. I was forced to refinance to take my ex-husband 's name off the mortgage, when if my son could've assumed the loan, that was our financial preference as the interest rates were much lower, and I could continue to pay extra in the principal, thus paying my loan off faster. I would like this investigaged because Rushmore Loan Management is unable to provide a promisory note supporting their claim that my mortgage is no longer an FHA loan. 

Problem XXXX : UNRESOLVED. I had to call to get my 1098 statement. The statement was provided to me on XXXX " XXXX '' or that's the date the company is using. I uploaded the document on XX/XX/XXXX. When I did so I observed that they had a greatly reduced amount that I had paid in my taxes. My taxes did not decrease by 50 %. Given the refinance, I am aware of my taxes. I called, and requested another 1098. They provided the same 1098, is someone stealing money? Each phone call is over an hour. The first part of the call connects you to a call center. This person says, " I will connect you with the correct department. '' I asked the name of the department, and the person repeats, " I will connect you with the correct department. '' Is it that they're grossly negligant and unable to run a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a data breach which in fact my personal information was taken and distributed. Which in return accounts were opened without my consent or knowledge as well as inquiries being made. This has made my score go significantly down and caused trauma in my life I can no longer stay in a decent area because of bad credit or purchase a home. I was in the process of purchasing a home and now I have to place this on hold. Ive reached out multiple times to have them remove these accounts and inquiries but they state they have to verify with the lender first and never remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and delete some of the data on my credit report, but there are still some items that need to be repaired. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Wells Fargo never notified me of the class action lawsuit nor did I recieve payment from them.
Product: Credit reporting or other personal consumer reports

Last XXXX months inquiries and credit checks for credit cards have been run without my consent. I have not applied for anything. This is fraudulent activity. Already have police report submitted and FTC fraud complaint I sent to all XXXX bureaus and no resolution
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I have asked for these accounts to be verified in the past and have provided an FTC report and have a CFPB profile where I've repeatedly complained. Some accounts have been returned to my profile incorrectly. Here is a new FTC number regarding this account. FTC Report # XXXX I was notified that the CFPB has filed a lawsuit against XXXX and I have been experiencing the same across all XXXX bureaus! I'm requesting these accounts be removed or corrected immediately as it is affecting my chances of getting a house, car and other items. TransUnion, XXXX and XXXX all violate my rights as a consumer, as well as federal laws. 
I would like all reported accounts to be removed corrected 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 XXXX XXXX XXXX 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

This letter is regarding account # XXXX, which you claim my account was late 3 times. My Citi CREDIT CARD account was NEVER LATE and the status should be CURRENT. It is reporting incorrectly on 2 Credit Bureaus ( XXXX  and XXXX ) and not reporting at all on XXXX. This account should not have ANY late payments AT ALL. I am in the United States XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Subject : Unauthorized fund transfers from XXXX XXXX XXXX XXXX to unknown user. 

I had an XXXX phone interview on XX/XX/year> to re-assure I am qualified to receive funds because of a recent lay off and it took about XXXX week for the funds ( accumulated from late XXXX and early XXXX ) of the full amount of {$1600.00} to be credited into my XXXX XXXX XXXX XXXX ) debit card. I have made several attempts to move the funds from XXXX Card to my XXXX account by calling the XXXX XXXX XXXX but could not transfer because I did not receive the XXXX time code that was generated by XXXX XXXX XXXX that was supposedly sent to my e-mail address. I have also attempted to sign up with the XXXX XXXX XXXX by entering the XXXX XXXXXXXX XXXX number & my PIN XXXX to view funds but the system said they were invalid information. With the errors and unsuccessful attempts I decided to go to XXXX ATM in XXXX XXXX XXXX on XX/XX/year> so I can finally withdraw the funds, only to be rejected/declined with an " invalid transaction '' message. I called XXXX Customer Support the same day ( XX/XX/year> ) and spoke with XXXX ( XXXX Customer Service Rep ) and she did disclose to me that XXXX " bank transfers '' were made from my XXXX account to an unknown account on XX/XX/year> ( {$600.00} ) and XX/XX/year> ( {$1000.00} ). She assisted with getting the forms mailed to me to start the dispute process in which I emailed to XXXX XXXX on XX/XX/year>. I then received a denial letter on XX/XX/year> that was sent on XX/XX/year> that claimed it went to the " intended '' account under the name XXXX XXXX with the account ending in XXXX, to which the name and account is unfamiliar/unknown to me. I have not authorized money to be transferred to this person 's ( XXXX XXXX ) account or any account. No deposits were made to my XXXX account within the timeframe of the XXXX debit transfers ( {$1000.00} and {$600.00} ) that took place out of my XXXX account as mentioned above.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in document.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section XXXX and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA XXXX XXXX, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEXIS XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX  XX/XX/XXXX -- $ XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$460.00} XXXX  # XXXX XX/XX/XXXX -- {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN continues to report invalid data on credit report in reference to XXXX Loans. There are the following invalid error late payments being reported. Please remove the following invalid late pays XX/XX/2014 120 day late, XX/XX/2014 120 day late, XX/XX/2014 120 day late, XX/XX/2014 90 day late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Lexis Nexis several times in writing and XXXX the telephone about this matter they are lying they are a big liar I don't have any bankruptcy I have disputed items that's on my credit report there's names that's on my credit report that does not belong to me there's so security number that's on my credit report that does not belong to me and there's address that on my credit report that does not belong to me and I have contacted Lexis Nexis several times about this matter When Lexis Nexis advise saying they contact me through email that's not correct at all never received a respond from Lexis nexis at all not from no email those are lies