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

XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Equifax authorization to furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the abovementioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Equifax resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations. 


Warm Regards, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
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 XXXX XXXX. 
. ) XXXX XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX # - XXXX XXXX. ) XXXX web XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) FB & T/ Mercury- Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Bank XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX. ) XXXX XXXX XXXX Account # - XXXX XXXX U.S.C XXXX section XXXX A : States I have the right to privacy XXXX XXXX XXXX Section XXXX A : Staes a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX ( a ) ( XXXX ) Section States : no consumer reporting agency XXXX make consumer report containing any of the following items of information any other than adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX XXXX ( A ) ( XXXX ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I was in good standing with my student loan servicer for almost 10 years. In 2014 I started a business and simultaneously lost my job. I was able to make payments for a while but I make almost no money $ XXXX-XXXX gross per month and it has been that way ever since. I applied for IBR swiftly upon realizing how tight my finances were going to be and for the 2015 year I did not have to make any payments. This year, the same company, Edfinancial is doing their best, it would seem, to block me from IBR even though I am making roughly the same amount and I am 9 months XXXX, about to give birth any day now, and am on Medicaid and Food Stamps. I have asked them 4 times now what precisely they need from me in my statement of self-employment and each time they have given me incomplete information. I have applied with the information they requested only to find out, too late, that my application had been rejected and I owed. They keep saying " Oh, its ok you can apply your forbearance. '' Clearly, this is how they rope people in who are not paying attention. I do n't want to use a forbearance when it is their fault. That is for emergencies and they are divesting me of it as a cheap trick to make a dime. I have asked to be put in contact with a manager. I will continue to get my account switched over to IBR but they are making this process convoluted and I feel like its an attempt on their part to trick me out of the resources I have so that I am living month to month waiting for them to prey upon the meager income that I make.
Product: Mortgage

Subject : Formal Complaint Regarding Loan Application and Earnest Money Dispute I am writing to formally request written confirmation from XXXX  Manager XXXX XXXX ( NMLS ID XXXX ) regarding the handling of my loan application and the subsequent dispute concerning my earnest money. 

**Summary of Events : ** * XXXX XXXX XXXX XXXX XXXX XXXX ( NMLS ID XXXX ) was aware of my wife 's upcoming job change and part-time status from the beginning of the loan approval process. 

* On Monday, XX/XX/XXXX, we sent an email expressing concerns about the closing and my wife 's job change. 

* XXXX XXXX requested we recall the email, stating it would be a " deal breaker '' for Chase Bank. He then persuaded XXXX XXXX Specialist XXXX XXXX ( NMLS ID XXXX ) to overlook the email without our authorization. 

* We requested transparency and expressed concerns about potential foreclosure and credit score impact. 

* Despite our requests, the employment verification process continued, and we did not receive a loan approval or denial by the contract deadline of XX/XX/XXXX. 

* Due to the lack of a loan decision and the risk of not having a place to live, we terminated the purchase contract on XX/XX/XXXX ( New Loan Availability Deadline ) due to not having a new loan approved given the on-going delays and uncertainty around an actual approval and closing date. 

* The seller refuses to release our earnest money, and Chase Bank denies responsibility, stating the loan was not approved or denied by the deadline. 

* As of XX/XX/XXXX, at approximately XXXX XXXX, the loan is being approved with the underwriter team based on the lending advisor 's request to the underwriter to overlook facts stated in our email on XX/XX/XXXX. 

**Conclusion : ** We have been placed in a difficult financial situation due to the handling of our loan application and the subsequent communication failures. We demand transparency and accountability from Chase Bank and its employees.
Product: Debt collection

The debt collector for XXXX XXXX bank ( Messerli & Kramer P.A . XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) filed suit in county I used to live ( XXXX County Minnesota ) in order to receive a summary judgement when I could not show for that court hearing ( I now live XXXX miles away from that court in XXXX County, Minnesota ). They are now using that judgement to file harassing annual garnishment notices with my employer. I say harassing because Messeli and Kramer P.A. are well aware of the fact that my income falls under 'protected income ' status ( XXXX and part time employment WELL under the federal minimum standard of $ XXXX/wk ) and they have no reason to believe that my employment status has, is, or will change to any degree which would allow them to collect this debt, which I 've disputed the amount of from the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit file where I found 2 accounts for XXXX XXXX XXXX/ Total card account number XXXX and account number XXXX both accounts state s status of included in bankruptcy but also shows sold to XXXX XXXX XXXX XXXX and Im receiving collection notices from XXXX XXXX XXXX Im also receiving collection notices from XXXX XXXX XXXX trying to collection on the same 2 accounts ( letter attached ) And a third collection notice from XXXX XXXX XXXX for the same accounts This is a direct violation of Fair credit reporting a creditor can not sell an account if it is discharged in bankruptcy nor can the company that purchase the debt collect on it Also 3 companys can not collect the same debt Also any account listed in credit report must have payment history which neither account has listed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing items on my credit report that have not been verified or validated. I have asked TransUnion on multiple occasions to verify the accuracy and validity of the accounts being reported to my credit report. 

I have asked Transunion to verify the Method of Verification, who they spoke with to verify the alleged account, the telephone and address so that I can speak with them and how they verified, TransUnion failed to provide any viable evidence from the furnishers and generated an automated response as I did not consent to e-oscar or automated verification. 

I also asked for the TransUnion to ask the Furnishers for the original signed contract bearing my signature on every dispute since 2017, and they also have failed to provide such evidence, and continue to report inaccurate, incomplete, unverifiable information on my credit report, violating FACTA, FCRA, and my consumer FDCPA rights. 

As also XXXX  and XXXX  have also neglected to properly verify with as TransUnion. 

I have experience emotional and mental distress resulting in humiliation and embarrassment as I have been denied credit on rentals, credit cards, and loans, because these items have not been properly verified or removed as directed.
Product: Credit reporting or other personal consumer reports

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. 

I am filing this Affidavit to report 5 fraudulent account ( s ) appearing on my consumer FICO XXXXcredit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX  ( XXXX XXXX ) on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX  XXXX on XX/XX/XXXX under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Vehicle loan or lease

So me and my wife realize that we were paying and paying our monthly payments for our car and realize that the payment was not reducing so thats when we started asking why and how. We are over past due on what we owed, but they say we still owe way more.
Product: Debt collection

Delta Management went through the State of California and garnished my retirement with out any prior communication. They claimed I had signed a loan consolidation through them and I had not. When I ask for proof they would put me off and would not respond to my calls or e-mails. I tried to work with them and they appeared to want to work with me but when I started to comply with their request, they backed off, The process went like this : They were informed and requested for paper work to work with them on a payment plan. 
o I complied with every request made. 
o I saw on the internet where they were doing things that were not in compliance with the information that was on their website. I inquired about it. 
When I inquired, that is when they stop trying to act as if they were working out a plan with and for me. 
The XXXX said they are not working for them and they have had a lot of problems with honesty and integrity and they were not representing them.
Product: Debt collection

I would like to get a settlement for this debt. .. Information on how to close this account and get it removed from my credit report
Product: Mortgage

In early XX/XX/2023, we request PMI cancellation from US Bank and during the initial stages, it was explained a property valuation would be conducted via a Brokers Price Option ( BPO ) and the process would commence once a written request, along with the property valuation fee, was collected. The US Bank representative stated the process could take up to 120 days ; however, if approved, PMI payments would be retroactively refunded to the process initiation date ( mid XX/XX/2023 ). The valuation report was completed and dated XX/XX/2023. Initially, our PMI cancellation was rejected due to inadequate property valuation. I requested reconsideration and received the valuation report and instructions on how to request reconsideration. I determined the comparable properties ( Comps ) submitted by the BPO were inadequate and did not accurately reflect the square footage, as well as other significant features of our home. Additionally, the valuation included real estate listings and Comps, although the instructions provided by US Bank stated only Comps should be included. The submitted reconsideration was granted utilizing appropriate Comps, via a letter from US Bank dated XX/XX/2023. We subsequently received a refund check for {$1100.00} and six days later another check for {$450.00}. I inquired from US Bank regarding the amounts because in totality, both didn't equal the refundable amount due. The letter from US Bank dated XX/XX/2023, stated PMI was cancelled effective XX/XX/2023 and the {$1100.00} check reflected the PMI provider surplus amount and the {$450.00} was for a mortgage insurance disbursement from the escrow account. As confirmed in the aforementioned letter from US Bank, our PMI was cancelled on XX/XX/2023, although, we continued to have PMI disbursements collected from our 2023 XXXX, XXXX and XXXX mortgage payments, totaling {$1300.00}. I contend these payments are immediately due from US Bank.
Product: Credit reporting or other personal consumer reports

I look at my report on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit report 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. 

These accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX One more thing according to 15 U.S.C. 1681s-2 ( A1 ) 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

My identity has been used to open a credit card with Victorias Secret ( Comenity Bank ) for the third time now. I have disputed this two times in the past. This most recent time, I did not catch the alert soon enough ( XXXX XXXX XXXX XXXX XXXX and opened a business in the last two months ). Now my credit score has dropped XXXX points from past due balances. The fact that the bank has allowed the use of my identity THREE times is absurd. I have never and will never hold a card with this company. Also, I have had my credit frozen for the past year except for a few choice days. I am not sure how they were even able to process the credit check. 

Most recently : Account opened XX/XX/2023 Amounts owed : {$95.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate removal of this item, as it is incorrect and does not reflect my true credit history. Account : XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 I attempted to cash a check from my own business account at a local BBVA bank in XXXX, Texas. The bank branch manager refused to cash the check and the reason was that the check was dated a few days after 6 months from the present date and that they were not allowed to cash it. Considering that this is my own business account and there are more than enough funds available to cash the check there is no reason for the bank not to honor the check for cash. Further, this account has been in existence with this bank for over 35 years and never has there been a notice of such an expiration date. I request your office 's assistance in getting this trivial matter resolved. Any assistance you can provide on this complaint will be greatly appreciated.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint against XXXX XXXX XXXX XXXX or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have XXXX late payments.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  and TRANSUNION Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXXXXXX XXXX XXXXXXXX Balance : {$29000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00}
Product: Mortgage

Our mortgage was sold from Home Point Financial to Mr Cooper in 2023. Mr Cooper has numerous data breeches and we suspect is selling our private information to marketers. We continually receive dubious offers from companies pretending to be Mr Cooper. We feel very exposed now that our loan is being managed by this company. We have very good credit and stable finances. We were not consulted on the sale of our mortgage and would NOT have chosen Mr Cooper to do business with based on the company 's reputation and our experience with them. We are concerned it is only a matter of time before we are caught-up in a disastrous online identity crisis. We feel trapped into doing business with a company that we would NOT like to do business with. 

Let this complaint serve as notice to Mr Cooper, when their next breech happens or we get fooled by one the many online scams that originates from our relationship with Mr Cooper, we have record of prior warning and will hold them responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report b y the Barclay Card USA o n  XXXX   XXXX ,  XXXX . They  ( Barclay Card USA ) NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with Barclay Card USA management, they keep insisting that " customers are not told that  their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place.     Really? Who in their right mind would say  YES  to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE!      Barclay Card has now damaged my credit score and now I have to wait before proceeding with my mortgage application until this ILL EGAL mark on my credit report in permanently removed.     This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the  Barclay  Card must be addressed as the rep on the phone on  XXXX   XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX  ( and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my  XXXX  years ever hit my credit with a HARD inquiry for a simple, few  XXXX  dollar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at  Barclay Card USA repe atedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report month  ( if not years ) down the road.      So, as in my case,  XXXX  hard inquiries were done on my card b y Barclay Card USA  within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a couple  XXXX  dollar credit line increase.