23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is in response to closing complaint XXXX. Loan Depot 's response was a lie and I have the documentation to prove it. 

Through the HELOC application process I was very specific about my sole source of income being notes receivable from the sale of a business. And these notes receivable had begun less than 12 months ago. I was told by 3 different Loan Depot reps that this was acceptable for income. I was ultimately rejected for my loan because this form of income is actually not acceptable. 

There are two instances where Loan Depot has lied. First, I was informed in writing that my income was approved by underwriting on XX/XX/XXXX. I have attached the email from the Loan Depot loan officer stating this. A few days later they reversed their decision with no explanation to me. 

Secondly, In response to complaint XXXX, Loan Depot states : " In the substantive conversations with the three loan Depot representatives , the borrower informed them that he had on-going income from the sale of a previous business in the form of note receivable income. He did not, however, inform the representatives that he did not have a 12-month history of the note receivable income. '' That is a lie. I emailed the details of this notes receivable income to the rep collecting my documentation on XX/XX/XXXX. I have attached a screenshot of this email with the specified attachment, as well as the contract itself. The contract itself is dated XX/XX/XXXX which is less than 12 months, and the contract states payments will begin XX/XX/XXXX. It is very clearly spelled out. This is the only form of income I submitted. 

I have attached their response letter to the original complaint and highlighted the spot where they lied.
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. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 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 an 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

On XXXX!, XXXX I pulled I viewed my credit report and seen quite a bit of unauthorized inquires along with some accounts I was unaware of. I spoke to the fraud department to remove the accounts. I never gave any written consent for the following accounts and they were opened without my knowledge. The information listed is coming directly from the most recent copy of my credit report. 
XXXX XXXX XXXX - Closed account on my credit report account type- charge card balance {$55.00} date opened- XXXX  XXXX, XXXX XXXX XXXX Closed account account type- auto loan balance {$32000.00} date opened XXXX XXXX XXXX XXXX  open account account type- auto loan balance {$37000.00} date opened XXXXXXXX XXXX XXXX XXXX  closed account account type- unsecured balance {$0.00} date opened XXXX XXXX XXXX XXXX XXXX closed account account type- lease balance {$2400.00} date opened XXXX XXXX XXXX XXXX account type- collection balance- {$3300.00} Date opened XXXX The following inquiries are also listed on my credit report which I did not give my consent to : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This violates my rights as stated in the consumer laws and I demand that all of these discrepancies be removed off of my credit immediately.
Product: Credit reporting or other personal consumer reports

I have called, emailed, disputed, and been given the run around on this issue too many times. I have a school loan and owe two different companies for the same loan now ive been told. It is reflected on my credit report XXXX times. There is no reason for it to be on my report so many times for the same account. It is very detrimental to my credit and to anyone who looks at it when it is required! Showing that many bad marks for XXXX account is against code law! I do not owe Mohela or XXXX those accounts are not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX XXXX Balance : {$10000.00} CB/XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4400.00} XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX : {$460.00} EQUIFAX : XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX : {$460.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX Balance : {$580.00} XXXX : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$110.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$460.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX XXXX days after the date of receipt. 

Fair Solution Due negligence of Credit Bureaus. block this data from my credit report, pursuant to section 605B of Fair Credit Reporting Act and send the necessary warning to all furnishers of this data.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could inclu
de signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint for investigation # XXXX. The investigation took more than 40 days. I never got a copy of the Investigation Results through US mail.

Regarding your method of verification : I want to know who you spoke to, who you interviewed, and how you determined the information was factual. Which neighbors, friends or associates you spoke with. Please provide names and addresses. I am looking for a detailed description of what happened. You guys assumed this role without my permission and did not have my consent. You did NOT respect my RIGHT TO PRIVACY! You did not exercise your grave responsibility, you were unfair and you were partial. You did not have a permissible purpose. I never instructed you guys to furnish this report.

I AM DEMANDING the following accounts are deleted off my report. 

XXXX  XXXX XXXX # XXXX should not be on this report! You are violating MY RIGHT TO PRIVACY! 

XXXX XXXX XXXX XXXX # XXXX should not be on this report! You are violating MY RIGHT TO PRIVACY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account with account number XXXX on my consumer report with a balance of {$280.00} and the account does not belong to me. I have never done business with this company. This company does not have a contract with my signature.
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 : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : DEPTEDXXXX Account Number:XXXX Account Name : DEPTEDXXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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

I have been trying to fight erroneous information on my credit report for about 4 months. I am married to XXXX XXXX who submitted a complaint right before this one.

I supplied my drivers 's license and a dispute to all 3 credit bureaus last month, and to date, I haven't received any results!

I can't call them because I don't have a report number which is nonsense, my job 's review is coming up and this information will have me lose my security clearance which will have me lose my job!

There are several addresses where I never lived, and several different names that is not mine. I believe because I am an XXXX there is confusion about my name. I want all my information to be accurate and the company 's seem to be stalling. I will attach all 3 disputes that were submitted, and a copy of my driver 's license.
Product: Money transfers

I used a trusted web page. XXXX and verified the information obtained with a consultant, them proceded to contact XXXX XXXX XXXX XXXX acting landlord of a house on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. He asked me some questions and send me an e-mail then I sent to see the property and contacted trought text message. Then I sent him a money gram as a deposit to the house and he sent me the lease. Today I received the call saying I was a victim of a scam. I called money gram customer service to stop the payment and They put me on hold while Been on hold the money was picked up. After i learned that i asked the costumer representative to help me put a fraud and scam complaint. He said I needed to call the police in XXXX and the police said i needed to call the police in XXXX XXXX XXXX. The police in XXXX XXXX said i needed to get information from money gram on the pick up store, id address, birthday, expiration date. Money gram refused to dscolose information and said the police needed to call them and ask for that information. Besides that i had a security question/anwser inlace for anyone picking up this payment which i never shared with XXXX XXXX XXXX the person Who picked up the money gram
Product: Credit reporting, credit repair services, or other personal consumer reports

I have finally gotten the opportunity to pull my credit report and I noticed that there are a number of fraudulent inquires on my credit. Names used to pull credit report that are not in anyway associated with me. I also noticed addresses that I do not or have not lived at. I would like these items or things removed from my credit report. Please any assistance would be greatly appreciated.
Product: Mortgage

I received a call this week from another financial firm attempting to foreclose on my house while it's tied up in divorce court in XXXX ( since 2016 ), index XXXX. The debt is not mine- it belongs to XXXX XXXX XXXX XXXX who stopped paying his mortgage at the time of commencement of this divorce. He is in contempt of automatic orders. XXXX XXXX has at the same time paid his attorney XXXX XXXX over {$200000.00} to tell the court that he has no money and can not pay his mortgage. Therefore, he and his attorney have committed perjury. 
Numerous accounts have been found in XXXX XXXX 's name that were not disclosed to the court when the misstatement was made about XXXX XXXX 's financial condition, to Judge XXXX XXXX. 

I do not know why I am at risk of losing this asset, as I made the downpayment and am not on the note. 

XXXX XXXX has been ordered by the court to pay his share of the mortgage, which is actually 100 %. The judge does not seem to be aware that XXXX XXXX is in contempt of automatic orders. 

My downpayment was used to purchase this house, XXXX XXXX XXXX, and I had to pay XXXX XXXX twice to keep the house from being sold at auction during the divorce, despite the fact that XXXX XXXX  refused to talk with me because I was " not on the mortgage ''. 

I do not understand the law in the United States. 

My attorney is confused by the new threat of foreclosure, as well. 
His name is XXXX XXXX. 

The attorney who stated that the house is in pre foreclosure currently is XXXX XXXX, XXXX. 
XXXX XXXX made the following statements to me on the telephone yesterday : " The underlying debt is not paid. 
The current holder of the mortgage is able to foreclosure. 
They filed a complaint with the land court on friday. The divorce has no impact. Sale proceeds go to the borrower ( XXXX XXXX XXXX ), not to me. 
The attorney said. Im not a borrower so she cant tell me anything. 
The bank is Nationstar mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$72.00} Open balance XXXX XXXX XXXX  Original creditor {$99.00} XXXX XXXX XXXX  Original creditor {$1000.00} Open balance XXXX XXXX XXXX XXXX Original creditor {$1200.00} Open balance XXXX XXXX XXXX Original creditor {$7000.00} XXXX XXXX XXXX  XXXX XXXX  Original creditor I do not agree with the outcome of these negative items on my credit report that I did not authorize, I am unaware and would like for these derogatory remarks be removed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they-did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I have made on time payments since XX/XX/XXXX to pay off my loan. Original balance of {$8500.00}. Current Balance of {$17000.00}. Payoff amount at the end of my payment period in XX/XX/XXXX approx {$55000.00}. How is it possible for me to owe that much when I have made on time payments monthly for this long? I have called and written letters to Navient and they are not willing to settle for anything less than the pay off amount. They recommend I continue to make on time payments which in the long run will amount to approximately {$55000.00}. I would like to settle on an amount less than what is owed and pay it off in one payment. Please help me. Navient claims they do not settle. They said they could offer me a {$200.00} discount now to pay off in full.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Mortgage

in 2013 BOA sent us this notice : 1 ) They sold our mortgage to, and they obtained payment from FHA.2 ) FHA sold our loan to XXXX 3 ) as a result, our loan was transferred to XXXX . Now BOA is pushing hard to take our house and auction it. How can BOA sale our house if XXXX currently owns the loan? Should n't they help us keep our house? Of course greed always take over compassion ...
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX THIRD AND FINAL NOTICE BEFORE LAWSUIT IS FILED!!! 

Accounts : # XXXX, # XXXX, # XXXX 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 Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY! 

You are sending correspondence to my home calling and harrassing me repeatedly about debt that is mine, and which you also don't have permission to collect on. All notices I've have sent have been ignored and is causing me grave emotional stress. I will be seeking {$1000.00} per each FRCA violation.
Product: Debt collection

I traded my car XX/XX/2017. the dealership paid off loan but short payed XXXX. I contacted dealership and they are going to pay remaining balance some how it was paid off after the 20 day pay off. The finace company has called me 6 and 7 times a day for 2 weeks. I explained to them what happened and that the dealership was going to take care of remaining balance. Now they have starteded calling me at work ...
Product: Debt collection

This collection company keeps calling me concerning a XXXX XXXX XXXX credit card account, but they have failed to provide : the name and address of original creditor, a copy of the original signed contract, delegation of authority to collect the debt, and a complete accounting of payments, interest and any fees associated with the alleged debt, per my request.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
By : Authorized Agent., Private Civilian Without Recourse, Without Prejudice All Rights Reserved