23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Started a loan with US BANK HOME MORTGAGE XX/XX/2015.  Bank requested multiple unusual information and documents (I provided everything they requested) but when I requested supervisor information to verify the requests (fishing for information not regarding the loan or people not on the loan) No information provided from the loan processor and odd requests continued to be emailed.   Other issue was the home appraisal required water to be turned on,  we were advised by the seller that it will be the buyers responsibility (me) to turn on the water.  US BANK already advised if the water isnt on they will do a XXXX appraisal and charge us duplicate times so I requested and my realtor requested to be notified once the appraisal is scheduled so we can be there to turn on the water.   US BANK did not notify us so we could turn on the water.   Once I requested the loan to be closed (XX/XX/XXXX) due to their poor business practices, fishing for information, no communication on the appraisal and saying they will just charge multiple times  I started to get scam phone calls. (my # is on DNS and I had not signed up for ANY scam calls) Requested my loan to be closed again by a supervisor and my information to be securely destroyed and fees be refunded they now are issuing MORE charges on my card 24 days later that are not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate

d 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. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. The following accounts are in violation by inlcuding transactions and experiences by inlcudling late payment and utlization.
Because of the violation i would like the following accounts in violation of the
Product: Debt or credit management

Im writing this complaint to express my frustration of the conduct of these banks, trying to take advantage of me, by filing a Foreclosure lawsuit against me on a secondary/balloon loan they implied with my primary mortgage co. in XXXX with them. These Banks then in XXXX advertised on the radio that they were holding a 1-Day seminar on mortgage loan modifications to reduce interest rates drastically on the spot which they held at XXXX XXXXXXXX XXXX XXXX in XXXX. I & several other Homeowners were selected, and in fact, had our interest rates & monthly payments, reduced with our maturity dates extended & approved by them on the spot, which they also guaranteed they would file required paperwork to the XXXX XXXX Recorders office. It was just brought to my attention on Thursday, XXXX XXXX, XXXX that they did not file all required paperwork to the XXXX XXXX XXXX office on secondary/ballon loan as they should have & guaranteed. However, they did file required paperwork to XXXX XXXX XXXX office for primary loan only! Mind you both loans & modifications were done at the same time again by these banks, therefore Im taken aback by the fact that they arent taking accountability for their errors & mistakes. It seems as though they did this purposely. 
I trust this is not the way the banks wish to conduct business with valued, loyal customers. I have been with these banks since XXXX. This has affected several Homeowners & is probably a worldwide issue. I have contacted the Attorney Generals Office, it was advised to contact CFBP as 1st step into having my issue investigated & Im trying to be an advocate for us all to stop these banks from trying to take advantage of Homeowners with equity in their homes so they can make even more money off of us who have worked so hard to pay our loan payments, and keep our homes to have a roof over our heads. I am most annoyed & dissatisfied with their conduct, due to the fact that I have been paying my reduced monthly payment of {$130.00} with interest rate of XXXX XXXX under modified maturity date of XXXX since effective date of XXXX until XXXX ( Lender ) unexpectedly discontinued taking automated payments from my checking acct. due to incorrect maturity date in their system. XXXX XXXX indicated to me in XX/XX/XXXX that my loan has been put into foreclosure status despite the fact that its due to the negligence of the Banks & I have tried several times to resolve this issue, but to no avail, its obvious that I did not cause this situation. I welcome the opportunity to discuss matters further & learn how you propose to prevent similar situations from recurring. I look forward to hearing back from you as soon as possible about this unfortunate situation. Thank you for your attention to this matter.
Product: Debt collection

To Whom It May Concern, I, XXXX XXXX, am writing to formally dispute the inaccurate and fraudulent information currently reflected on my credit report. In XXXX I became a victim of identity theft, which has had a significant impact on my financial standing. Someone attempted to file a fraudulent tax return using my personal information, which required me to establish a special Identity Protection PIN ( IP PIN ) with the IRS to safeguard my identity. 

Since the incident, I have discovered multiple inaccuracies across all three major credit bureaus ( XXXX, XXXX, and XXXX ). These inaccuracies include, but are not limited to : Accounts I did not open that are listed under my name. 
Debts and balances from companies I have never done business with. 
Collection accounts from debt collectors I have never been contacted by or entered into any agreements with. 
Specifically, the following items are incorrect and must be removed from my credit report : Affirm Inc : Multiple accounts showing charge-offs and past-due balances, which I did not authorize or open. 
XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXX XXXX : These accounts include erroneous debts, which were not opened by me, and have inaccurate reporting without my permission. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX : Collection accounts listed under my name, affiliated with debts I do not owe to any creditor. 
I also want to emphasize that none of these accounts have my hand-signed documentation as required to validate their legitimacy. I have not received any official communication regarding these debts, nor did I provide consent for the sharing of my personal or financial information with any third-party entities. 

This situation has resulted in a substantial negative impact on my credit score, which has severely limited my ability to obtain new credit, purchase items on credit, or receive loans for personal and financial needs. 

Violations of Federal Law I believe the following federal laws have been violated : Fair Credit Reporting Act ( FCRA ) : Credit reporting agencies and creditors failed to ensure the accuracy of my credit report, and despite my disputes, they continue to report false information. 
Fair Debt Collection Practices Act ( FDCPA ) : Debt collectors listed on my report did not verify the debt before attempting collection and reported it to credit bureaus without my knowledge or consent. 
XXXX XXXX ( XXXX ) : My personal financial information has been shared without my explicit permission, constituting a breach of privacy. 
I am requesting an immediate investigation into these matters, the removal of all fraudulent and incorrect accounts from my report, and the restoration of my rightful credit score. Please contact me at your earliest convenience to confirm receipt of this letter and to provide updates on the status of this investigation. 

Thank you for your prompt attention to this matter. 

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

I recently checked my credit report and noticed incorrect late payment entries on the following accounts : XXXXXXXX XXXX  ( XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXXXXXX XXXX XXXX  XXXX XXXX ), XXXX XXXXXXXX XXXX XXXX ( XXXX ), Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy as the Fair Credit Reporting Act clearly says. I have NEVER been late on any of these accounts, and I did not give permission for this information to be reported. Please investigate this issue and provide proof showing that these payments were actually late and that I authorized this reporting. If you can not provide this proof, I need these records updated to show that all payments were made on time, as I have always paid on time.
Product: Credit reporting or other personal consumer reports

I did not authorize nor applied credit for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). PLEASE REMOVE THIS FRAUDULENT INQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from XXXX XXXX about a past due account on my credit from Monterey Financial Services. I have never heard of them before. I called on Thursday, XX/XX/XXXX. They advised they were a financial company that took over a current loan I have that was previously under XXXX. I explained my situation that I had received notification from XXXX XXXX that I had a past due account with them. Monterey then states that my account is pending collections for non payment. I advised that I would be more than happy to pay off my past due balance and fees, but the mark on my credit needs to be removed since I was not properly notified. I advised Monterey that back in XXXX, I had switched banks and updated all my information with XXXX. Since my loan is on autopay, no further action should have been needed. I asked Monterey to confirm my contact information, since they said they have made several attempts to contact me. ( I also asked for any proof of them contacting me, such as the letters or call logs. They refused to give me any information. ) Turns out, both my email and mailing address were incorrect. I also told them I had not received any voicemails from them either. I asked Monterey to remove the late payments from my account since I had no knowledge of the company switching to a different financial service. Monterey then told me it is my responsibility to contact them. I asked how I am supposed to contact a company that I didn't even know existed? I spoke to a supervisor who said they would not re-report to the credit bureaus. Monterey said the only way they would re-report is if I paid off my entire balance. I told them I do not have money to pay off my entire balance, but it is not my fault that I was not properly notified of the change to my account. I am asking that my late payments from Monterey Financial Services be removed.
Product: Debt collection

On XX/XX/2023 I noticed the debt collection on my credit report. I called Congress collection to inquire and he was very aggressive in his way of communication. I simply asked for the following to be mailed to me : proof of my wet signature and/or contract with the physician, the creditor information, payment history and the itemized billing information, and proof of ownership for Congress Collection . He said he does not have to provide me with any of those and in order to receive an itemized bill, I must put in a request in writing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number - To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit reporting or other personal consumer reports

According to The Fair Credit Reporting Act ( FCRA for short ) which is a crucial piece of legislation when it comes to my credit rights, because it protects my rights to both credit report accuracy and privacy. In other words, it helps ensure that the information contained in my publicly available credit profile represents your creditworthiness accurately. I reviewed my credit report/ score at XXXX on XX/XX/year> and saw that my Equifax credit score had decreased by XXXX points, this was not over a period of time, this happened in 1 day. when I called I was advised of the elements or conditions the could cause my credit score to decrease which I understand, however I am promised accurate and timely credit reporting. Due to loss of income, I have used by credit cards more and now my balances are high and my utilization score is high, however this has happened over a period of months, not within the current month so If Equifax is monitoring my credit and accounts, then there should have been decreases over a period of time not just XXXX decrease that was almost XXXX points, the substantial decrease in my credit score negatively influences my creditworthiness. When I spoke to Equifax today, XX/XX/year> ; I was given a XXXX XXXX  of what could cause my credit score to drop however explanation regarding why the credit reporting was more timely, especially if my credit is being monitored regularly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there are several incorrect, obsolete and unknown addresses reporting on my credit reports. I have sent two letter to all the credit reporters on XX/XX/2022 ( certified mail ) and XX/XX/2022 ( regular mail ), asking each of them please remove them. Also, more than 30 days without any response without removing information requested is a violation of the FCRA. As you can see. I made two attempts and have not received any response from either.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureauTransunion has been reporting Erroneous and fraudulent information violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Transunion because my character has been defamed and my information is being falsely reported. I demand that these inquires below be removed immediately.

I am submitting this on my own behalf.

Inquires listed : 1. 
XXXX Date of inquiry : XX/XX/2021 XXXX. 
XXXX XXXX Date of inquiry : XX/XX/2021 XXXX. 
XXXX Date of inquiry : XX/XX/2021
Product: Vehicle loan or lease

XXXX XXXX, Mercedes-Benz Financial Services USA LLC XXXX MBFS ) & Mercedes Benz XXXX XXXX XXXX XXXX XXXX ) still can not find the evidence to specifically validate where XXXX XXXX XXXX and agreed to the terms of the promissory note ( Retail installment contract ) it clearly shows a Guarantor never signed and consented to any contract allowing the dealership or the assign MBFS the right to do a repossession ). its illegal to repo a vehicle or act out the actions of the terms and agreement without the signed consent of all parties involved. without these signatures MBFS actions from XXXX has been fraudulent and violated consumer rights. 

this case has been well documented as followed Mercedes-Benz Financial Services USA LLC ( MBFS ) is in receipt of case XXXX from the Consumer Financial Protection Bureau XXXX CFPB XXXX and certified correspondence via XXXX XXXX mail XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX also As previously corresponded on XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX, to cases XXXX, XXXX, and XXXX from the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to REMIND the TransUnion Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand the immediate removal of this! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Owed : {$990.00} ; 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: Checking or savings account

Dear sir or madam, {$1600.00} was taken out of my account at the chase location located at XXXX XXXX, XXXX, NY XXXX Employees are refusing to provide ATM video evidence from their location or reimburse me for the fraudulent transaction that happened on XX/XX/year> an XX/XX/year>. 
I will provide the police report upon request.
Product: Debt collection

In XX/XX/XXXX I found out that I had a medical debt collection of {$1000.00} on my credit report. The debt collection agency was Plus Four INCXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX but the number ( XXXX ) XXXX was disconnected. I then contacted the original billing company XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX at XXXX. Apparently, I was seen at XXXX XXXX XXXX XXXX around XX/XX/XXXX and they failed to bill the correct insurance company. Since then I have moved twice and they failed to notify me properly before sending this to collections. What I find unusual is that XXXX XXXX XXXX was able to billing my XXXX XXXX  correctly but XXXX billed my XXXX XXXX incorrectly. They were supposed to bill XXXX as the primary and XXXX XXXX secondary. Apparently, they just billed XXXX XXXX and they told XXXX to bill my primary but XXXX didn't bill XXXX for some reason. 
I then gave XXXX my old XXXX account information so they could go ahead and properly bill the insurance company to collect their money. Since XX/XX/XXXX, I've been calling XXXX billing office regularly and they have yet to send a bill to XXXX to collect nor have they removed the amount from collections. I feel I have done nothing wrong yet I have a debt under collections and XXXX is failing to act on collecting from my health insurance company.
Product: Debt collection

I do n't remembering having an account with Capital One which states I owe {$2800.00}. I see this account listed on my credit report which shows it was already Charged off / Written off, as the last payment was paid XXXX 2015. Now 2 years later I received a notice from a XXXX XXXX XXXX XXXX XXXX XXXX which states they are collecting for Capital One. This is not my account and it is listed on my credit report which was just brought to my attention due to this Collection company sending me a notice to pay or receive a Judgment. This legal document has no stamp from the Courts which makes me think this is not a legal document. What can I do to stop this collection on an account I do n't believe I have.
Product: Credit card or prepaid card

In XXXX, 2021 I reported my credit card as stolen to the credit card issuer ASPIRE. My card, along with my wallet and identity were stolen and I filed a police report describing what had happened. Since then Im mid XXXX I received an alert from my credit reporting agency XXXX stating that I was past due on payment and when I looked into it I saw that this credit card that only had {$1000.00} limit had been charged and used for almost {$15000.00} in debt. Upon looking into this further the credit card was paid with other peoples accounts. I have since called ASPIRE and told them what happened. I had filed an affidavit with them as well as updated and made a new police report describing fully what happened. They closed the fraudulent account, opened a new account and sent me a new card.. however on my credit report they have updated the account as a charge off which means that I still am liable for this debt and am required to pay a big sum of money for something that was fraudulent and not me. This is ridiculous. Ive done all the necessary parts on my end in reporting this and documenting and sending what I have from the police. Ive filed identity theft months before this happened and I have not even close to this kind of money to pay a debt not mine. I want this account to be removed from my life and taken off my credit.
Product: Credit reporting or other personal consumer reports

I noticed alot of hard inquiries that don't belong to me and XXXX collection account I don't recognize and ain't mine
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed Complaint regarding my XXXX account ( # XXXX ) due to inaccurate late payment reporting on my credit report. The companys response, " Account was Verified, '' fails to properly address my dispute. Pursuant to my rights under FCRA 611 ( 15 U.S.C. 1681i ), I challenge the method of verification used to confirm these late payments. On [ Insert Date of Initial Complaint ], I disputed several late payment accounts and submitted all required documentation to you. Specifically, XXXX reports 30-day late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, while Equifax reports 30-day late payments for XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXXdemonstrating inconsistencies in the reporting of my payment history. These discrepancies indicate a failure to maintain accurate and verifiable records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress passed the Fair and Accurate Credit Transactions Act of XXXX  ( FACTA ) to add identity theft protection. I have the right to include a fraud alert on my credit report if I have a good-faith suspicion that I am the victim of identity theft. The fraud alert is suppose to notify users of victim of Identity Theft. Fraud alerts are suppose to be free. I also have the right to have a CRA block information related to identity theft from being on my credit report. For example, if an identity thief has used my information to open an account and never paid the bill, I can have this blocked from my credit report. Though I must meet some conditions. If the conditions are met, the CRA has four business days to block this information from being viewed by potential users of your credit report. I have supplied appropriate proof of your identity to the CRA. I have supplied the identity theft report from a federal, state, or local law enforcement agency. I have identified the faulty information on the credit report. I provided a statement to the CRA explaining that you werent connected with the transaction ( s ) involving the identity theft. EXPERIAN has failed to follow these regulations set by the Federal government. 
THIS INCLUDES XXXX AND XXXX, WHICH ARE GOVERNED BY THE SAME LAWS. CONSUMER WILL BE FILING COMPLAINT FORMS WITH SEC AS THESE COMPANIES ARE SECURITIZING THIS CONSUMERS DATA BUT WONT UPDATE REPORT TO SHOW ACCURATE INFORMATION AND PROVIDE A COPY.