23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX Me and my girlfriend applied for mortgage loan. It was was pre-approved with a condition to sell my current condo. Closing date set for XX/XX/XXXX. 

Early XXXX Loan was supposed to be assigned to a processor. 

XX/XX/XXXX I accept contract to sell my current condo in order to meet the condition for the loan. This contract binds me after 10days to sell the condo no matter what.This day i still dont know anything about the processor since no call has been received. Asked the loan officer who my loan processor is and why they havent called. 

XX/XX/XXXX Loan Office gives me info of the loan processor who still has not reached out to me. 

XX/XX/XXXX Sent email to loan officer since loan processor has not called and i assume all documents needed where received. Loan Officer advised he would get his manager involved. 

XX/XX/XXXX Emailed loan officer with concern about not knowing anything of loan status that that i would be forced to sell my condo once the 10days grace period of my selling contract pass. Loan Processor emails my realtor stating she is waiting for documents from me, however, this is untrue since i had never spoken to her or received an email asking for documents. Minutes after realtor received email the loan processor emails me with a set of documents that i need to provide including documents from the new property that i had to pay to rush deliver in order for me to make sure they arrived in time and avoid being in the street. I replied back to the loan processor with most of the documents requested. Also, bank ask us to open accounts in order to be member but apparently they require for each applicant to open a separate account instead of joint account and we each open an account on this day. First bank i ever hear that requires a bank account each. 

XX/XX/XXXX Now i cant get out of the sale of my condo since the grace period is over. Sent more documents to the loan processor. 

XX/XX/XXXX Sent the last documents requested by lender. Sent to underwriting. 

XX/XX/XXXX After multiple attempts to speak with someone and find the status of my loan by me and my realtor we still dont know anything. T This institution has put me in a place where on XX/XX/XXXX i have to sell my condo whether im able to get the loan or not since i have a contract to sell. Also this means that My girlfriend, 5 month old XXXX,2 pets and I potentially can be living in the streets in the middle of a pandemic. Ive tried multiple times to find a resolution but still nothing. 

Basically they dont give me enough time to find another lender even if i wanted to since 1 week is not enough for any lender to process a mortgage loan. Ive spent money between appraisal, inspection, deposit of the new home, lender questionnaire fees and rush delivery fees. This is all potential money that i will also lose if this is not resolve and my loan is not approved. I know theres no credit issues, closing funds issues or anything on our end that would not qualify us for this loan. 

Im simply terrified about my situation and i just hope im not in the street with my family. 

I have emails to proof the timeline if needed.
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate removal of these accounts from my credit file. I have been a victim an Identity Theft and I did not authorize anything pertained in this documented file. To correct my file i request that these items be deleted immediately. I have already reported this to the FTC and I'm enclosing documents of their affidavit. Take prompt action if you don't you will be breaking the law. 15 U.S. Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in this file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of the receipt. Please delete these items immediately!
Product: Credit reporting or other personal consumer reports

I had a vehicle repossessed in XXXX. It was a voluntary surrender- this is not accurately reported. I settled for less than the full amount owed in XXXX of XXXX. My credit report accurately reflects this. It accurately reflected that the account was closed, and no more late payments were added to it throughout the rest of XXXX. Then, suddenly, at the beginning of XXXX in XXXX, it began reporting as late payments, and have done so every single month since. I have called the bank, and I have disputed through the credit bureaus ; the bank is refusing to fix this information. I legally settled my debt, and I do not have any late payments since, as those can not exist on a payment which has been taken care of, yet my reports reflect an additional THIRTEEN late payments beyond when I paid off my debt as agreed with a qualified agent. This is absolutely obliterating my credit score. It also lists all the payments I did make as " unknown. '' So, they are omitting 2 years of positive payments, and adding an additional year of impossible " late payments ''!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer XXXX report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a XXXX XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX, XXXX {$2800.00}XXXX XXXX XXXX Account # XXXX Date opened XX/XX/XXXX, Bal. {$2200.00}, XXXX XXXX XXXX Account # XXXXXXXX  Date opened XX/XX/XXXX, Bal. {$1000.00}XXXX XXXX XXXX XXXXXXXX Account # XXXX Date opened XX/XX/XXXX, Bal. {$1000.00}, Account # XXXX date opened XX/XX/XXXX, Bal. {$240.00}, XXXXAccount # : **** Date opened XX/XX/XXXX, Bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX Date opened XX/XX/XXXX, Bal. {$0.00}, XXXX XXXX XXXX Account # : XXXX Date opened XX/XX/XXXX Bal. {$0.00}. Late Payment Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Student loan

I submitted a request through AidVantage to refund student loan payments made during the COVID pandemic in XXXX of XXXX. 

AidVantage let me know that the process could take XXXX weeks to process the refund and receive the money for amounts paid. 

I have followed up with the company multiple times. In XX/XX/XXXX I was told this was still in process, well beyond the XXXX week timeframe. 

The last communication I had was in XX/XX/XXXX where I was again told this was in process. 

I know of many others who submitted a refund request and received their refund. I can understand that it may be beyond 10 weeks, but coming up on nearly a year since my request was first submitted is not reasonable.
Product: Credit reporting or other personal consumer reports

On XX/XX/23, someone attempted to apply for a credit card or loan using my Social Security Number with XXXX XXXX XXXX. I would like to dispute the unauthorized inquiry.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  - UNAUTHORIZED INQUIRY XXXX XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a dispute for a purchase made at XXXX XXXX for {$400.00} as the purchase was not received. On XX/XX/XXXX more than 6 months later and well past the timeline allowed to finalize and correct a dispute CHase sent me a letter stating the purchase was made in person, which I stated in my original dispute. The purchases were bought in the store for delivery by XX/XX/XXXX. I received a notice from XXXX XXXX stating the orders had been delivered buy upon arriving home no packages had been delivered. I returned to the store where the purchases were made to inquire. The store told me to wait another day and they should arrive. To date, I have yet to receive this merchandise or a store credit. The purchase receipt clearly shows a shipping charge of XXXX for order Order # XXXX. Yet Chase states there's no evidence the order was shipped or not provided at the time of purchase opposing the original sales receipt or shipping notifications received from the merchant.
Product: Checking or savings account

Truist bank - I was charged for a payment yesterday. The account is not supposed to be paid if I dont have the full amount hence my account overdrawn by > {$200.00}. Then another transaction posted again. All this time I was trying to get my account in good standing but their XXXX wasnt working so I couldnt get money into my account. They charged my two overdraft fees as a result even though transactions are not supposed to pay if I dont have the money.
Product: Credit card

The Apple Card dispute team failed to properly investigate my dispute over financing the XXXX XXXX. I began financing for the XXXX XXXX on release day ( XX/XX/year> ) and around 4 months in my phone had defected parts. I tried to resolve this with apple so all they did was hard reset my phone but the problem came back eventually ( phone kept restarting on its own ). I tried to get it fixed with apple but they charging me for a Third-party rear enclosure since apple repair team allegedly identified my back glass of the phone as a non-authentic apple part which is clearly false since the phone was brand new and I have never cracked the phone from dropping it. The transaction total is XXXX and this is the second time I had an investigation still side with the merchant. Also side note, the CFPB just won a lawsuit about the same issue that clients like myself have faced from Goldman Sachs USA Apple Card mishandling investigations and always favoring the merchants side.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter well over 6months ago to remove personal information that does not belong to me and I do not want them reporting on my credit report. According to the Fair Credit reporting act XXXX USC 1681, I have the right to privacy. Also according to 15 USC 6802 no financial institution isn't suppose to share information to third party people. These are clear violations of my my federally protected consumer rights.
Product: Money transfer, virtual currency, or money service

I transferred my first paycheck from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my personal bank account. Unfortunately i typed the last XXXX digits of my account number in reversed. I called my bank and told me that the transfer will not go through. I then called money network customer support and told me that the funds will go back to my account in XXXX days. After XXXX business days, i havent received the funds and they told me to open a dispute. On XX/XX/XXXX, they sent me a letter saying they have completed the claim and sent me the funds back, but i didnt receive anything. I called money network again and agents keep telling me that the case was denied and open a new one and this process kept going in circles. Its now a month since then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

SECOND TIME DISPUTING FRADULENT ACCOUNTS THAT ARE APPEARING ON MY CREDIT REPORT. Once again I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following account : 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: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reporting that because my card was in my possession, these charges were authorized and can not be reimbursed.
Product: Debt collection

HELLO ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and detected. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction completed by me as a consumer. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

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

I have contacted these companies multiple occasions. As told by my realtor, this is making it very difficult for me to purchase a home for my children. These companies are in direct violation and I am seeking legal action. 

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!

Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAl Cubiect to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates.

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

NO CONSENT IS IDENTITY THEFT. 

As a consumer I amdemanding the deletion of the accounts listed IMMEDIATELY! 

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

TODAYS DATE : XX/XX/XXXX IN RESPONSE TO CFPB:XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX , FL  XXXX ATTENTION DISPUTE DEPARTMENT To Whom It May Concern : Your company have  violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a  policy report is being used to obtain blockage, not contest the accuracy of its reporting XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX  {$4300.00} Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you.
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. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  Account # XXXX, Account name : XXXX 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.