23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/year> our mortgage servicer, mr.Cooper, requested a copy of our current homeowners policy page showing that we have proper insurance. They indicated by email ours was due to expire. I attempted XXXX times to upload our current, in-force policy page to them, but each time I received an email stating it was rejected and to check the dates. As it is a current policy, I called mr.Cooper and was told our insurance company was XXXX XXXX XXXX XXXX and they require a rating of XXXX or better. A letter we received in XXXX stated a XXXX  was acceptable. I am told this was a mistake. We are now facing force placed insurance and feel this is not right. I have been with XXXX  XXXX for over 45 years. We do not owe a large loan, and it is difficult to locate another company acceptable to us.
Product: Mortgage

Regions Mortgage is reported wage earner on credit report. The loan is being paid outside of the chapter XXXX.
Product: Debt collection

Enhanced Recovery has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. 


I have no idea who Enhanced Recovery is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Enhanced Recovery is indicating that an account with the account number XXXX was opened with their company in XX/XX/2020. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from Enhanced Recovery via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request. 


When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Enhanced Recovery as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Enhanced Recovery } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to Enhanced Recovery, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting or other personal consumer reports

experian has routinely failed to follow the law and do proper investigations or verifications and this has been going on for almost 2 yrs, the have failed to correct and error on XXXXXXXX XXXX XXXX  account and it has hurt me and my family tremendously, i have provided them with evidence that no debt exist- UCC11 search, evidence that debt was discharged 1099-C from XXXX  and they still claim to have verified a debt, this is impossible i also called and found out that they never actually investigated my online disputes they just closed them the same day without investigation this is unacceptable, the says the must be 100 % accurate in reporting, XXXX has removed the entry entirely and XXXX has updated the account, so how can experian continue to report false information and damage my credit for 2yrs see attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

ONEMAIN admitted they benefited from my credit card, which damaged my consumer report, and I received nothing. Pursuant to 15 USC 1681n Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. My credit card, which is, any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit pursuant to 15 USC 1602 ( l ). A deletion is admission. It shouldnt have been on my consumer report in the first place. I didnt give my consent for that. Again, I am seeking monetary relief pursuant to civil liability for willful noncompliance 15 USC 1681n.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I purchased tickets for an event that was later postponed due to COVID 19 and I did not receive a refund and I was not able to get my bank to help me out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$1100.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX : Balance : {$1300.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$1300.00} Account Name : XXXXXXXX : Account Number : XXXX : Balance : {$460.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

1.Account Name : XXXX XXXXXXXX Account Number : XXXX Amount XXXX 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX, XXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX, XXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX - XXXX  Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX  Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXXXXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX  Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX - XXXX  Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks. 

XXXX XXXX XXXX  XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks. 

XXXX XXXX XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks. 

XXXX XXXX XXXX XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks. 

XXXX XXXX XXXX XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks. 

XXXX XXXXXXXX XXXX XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks.
Product: Checking or savings account

I received an invitation from Regions Bank to open an account and receive {$400.00} after qualifying transactions in XXXX of 2021. I opened an account, set up a direct deposit, and as of today 's date I have not received the {$400.00}. I tried calling to resolve this issue to no avail.
Product: Credit card

XXXX XXXX booked condo through XXXX  managed through XXXXXXXX XXXX XXXXXXXX XXXX Charged that night for XXXX and XXXX. Also, a charge of XXXX was pending as well from XXXX. 
XX/XX/XXXX XXXX canceled booking by email. I requested proof of canceled payment. Called Cash App support to expedite cancelation of pending payments. They then explained it would take 3-4 days. The XXXX that was processed through vrbo was refunded on XX/XX/XXXX. The XXXX was canceled as well. The XXXX is still pending. I explained I have proof of canceled booking and that I did not owe anything. Again, they said they would only intervene after 30 days. I would think simply canceling a pending transaction after 8 days with proof of cancelation and showing I owe nothing would be a sensible move.
Product: Student loan

On XX/XX/XXXX of this year I got a letter after we finally won a lawsuit due to Universities scamming students to get them to join their very expensive programs. The lawsuit is to clear the loans that the schools used and refund any money paid towards those loans through borrower defense. My servicer received the order to discharge this month on the 3rd. I have friends who were also a part of the lawsuit who were given clear timelines while mine have been confusing or misleading like theyre stalling. Friends of mine with different servicers who applied to the borrower defense almost a year after I did have already gotten their discharge or a more clear timeline while I keep getting really convoluted or strange answers from my servicer.
Product: Credit reporting

their is an address of XXXX, Md XXXX that does n't belong to me! i have never lived on that street or in that location. 
would like for it to be removed also discover account that is open and i 'm an authorized user! i have no clue! 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

you guys asked me to be specific i added the credit report i also had sent the report certified mail this letter to inform you that you have violated federal law and federal regulations ( 15usc 41 ) Look i sent letters via certified mail to the 3 credit bureaus on XX/XX/2022 of inaccurate and unknown stuff all over my credit report. YOU GUYS RESPOSE WAS well over 30 days.you ask that id be more specific on the disputes sent via certified mail. I HAVE RECIEPTS AND DELIVERY SAYING YOU ALL RECEIVED THE DISPUTED CERTIFIED MAIL. I feel like I am being taken advantage of and BEING treated right. Section 611 ( a ), it plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report which will be attached to this letter with highlighted in yellow to be deleted its been well over 30 days they shall be deleted promptly as stated by federal law. I demand these disputes sent via certified mail to be deleted immediately or I will file for litigation due to the stress you have caused me thru out this horrible experience with The credit bureaus you all also violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under the section 611 ( a ) ( 1 ) stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be deleted promptly. USPS CERTIFIED MAIL : XXXX. Tracking # XXXX XXXX # XXXX XXXX # XXXX I MADE A CFPB Complaint About violations from the bureaus XXXX. # XXXX ( EXPERIAN ) XXXX. # XXXX ( XXXX XXXX ) XXXX. # XXXX ( XXXX ) Again The credit bureaus violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under section 611 ( a ) ( 1 ) failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be DELETED PROMPTLY. ITS BEEN WELL OVER 30 DAYS. ANY FURTHER DELAY AND I WILL BE SUEING FOR VIOLATING FEDRAL LAW AND MY RIGHTS FINED {$1000.00} FOR EACH VIOLATION PAYABLE TO ME. I WILL ATTACH A SUMMARY OF ALL THREE CB WHICH I ALSO SENT A REPORT PREVIOULY CERTIFIED MAIL OF INACCUARTE CREDIT REPORTTING OF MY CREDIT REPORT MY IDENTITY WAS ALSO STOLEN LAST YEAR AND IVE HAD NOTHING BUT ISSUES WITH MY CREDIT since then. ALL HIGHLIGHTED AREAS IN CREDIT REPORT NEED DELETED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is steel Reporting incorrect information on my credit report I have dispute this Information be for this Fraudulent and miss leading information and this Account is steel reporting Info on my credit report this account needs to be remove from my credit report and I need to see documents on where I signed if you can supply Info to me on this you need to remove this False and Fraudulent Reporting off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On XX/XX/XXXX I received a credit report from annual credit report that list debt with incorrect payment history. So on XX/XX/XXXX I sent a dispute letter by certified mail to kentucky Higher Education XXXX XXXX XXXX, XXXX, KY XXXX. The address that was on my credit report.. On XX/XX/XXXX I sent a dispute letter to all credit reporting agency asking for validation of debit, i then received a copy of agreement with my signature and date of XXXX XXXX. So I checked my credit again to find out that this company has illegally re aged my account. They did this by stating false payment where made on this account in XXXX and XXXX which is not correct. This account is 7 years old as of XX/XX/XXXX and should be removed from my credit report. This company is in violation of the FDCPA act and my consumer rights.
Product: Credit card or prepaid card

I have applied for a Wells Fargo credit card numerous times and have credit scores in the 700 's and continue to get denied. I have friends that have credit scores that are much lower and have negative items on their credit report are getting approved. I feel that Wells Fargo picks and chooses applicants unfairly due to their demographics. I feel that I have been discriminated against by Wells Fargo. I have 3 checking accounts with them over 5 years and maintain good balances.
Product: Credit reporting

There is a collection item on my credit report for XXXX. I can not even remember if I have used XXXX in the past. If I did it had to have been over 7 years ago because I have been with XXXX XXXX for so long I ca n't even remember. There is not anyway I would have left a balance with XXXX. I have not been provided with any documentation that supports this amount
Product: Mortgage

Complaint against AmeriHome Mortgage in XXXX, NJ. 

- 1st Mortgage payment due XX/XX/XXXX, payment attempt made XX/XX/XXXX via phone using routing and acct number after online payment could not be made online because of Amerihome 's website failure. A confirmation number was provided at that time for phone payment. Phone call made XX/XX/XXXX to fix problems logging onto account and discovered that no payment had been made. 
- XX/XX/XXXX payment made via phone for full amount - XX/XX/XXXX " returned payment reversal '' for no explained reason, and no notification, and now our payment is late - XX/XX/XXXX payment attempt number 3, also for full amount. 
- XX/XX/XXXX : payment confirmation email received - XX/XX/XXXX another " returned payment reversal '', again for no known reason, no notification - XX/XX/XXXX payment attempt number 4 made over the phone to Amerihome representative, now in collections! Finally gained access to our online account to see our payment history, very concerned about our credit score being severely affected through no fault of our own. AmeriHome is not able to email their customers ANY confirmation of payment. This is unacceptable! Amerihome representative promised to call us on XX/XX/XXXX to confirm payment " cleared. '' We were assured payment " should clear around midnight. '' XXXX : contacted collections to establish a credit dispute. Amerihome representative looked up payment information in the system and confirmed it was correct and that payment had been made that day. Representative unable to say whether payment would clear in time to avoid reporting to credit bureau. Representative said website goes down " every now and then. '' The representative was unable to explain why the payment was confirmed and then reversed 6 days later.
Product: Credit reporting

Equifax And Ally Financial Are Reporting That My XXXX Was Closed In 2015. This Account Was Charged Off Many Years Prior To XX/XX/2015. Equifax And Ally Also Continue To List My Monthly Obligation To Them At {$640.00} Per Month. I Have Paid This Account In A Settlement Agreement With Ally ( In XX/XX/2015 ) After This Account Was Charged Off. Ally Has Helped In Clearing This Up By Their Cooperation With Me In XX/XX/2015. However, Incorrect Information Is On My Credit Report And I Would Really Like It Corrected.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

KLARNA/XXXX put inquiry on my report without my authorization. Even after contacted the company the inquiry still on my report. This is my second complaint about this unlawful action.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED.

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SBNASELFLNDR for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts.