23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Back in XX/XX/XXXX, we purchased our home, we secured a FHA loan through XXXX our home purchase price XXXX, we put up XXXX cash down payment. Not long after we received notice our contract had been bundled and sold to Nation Star Mortgage, now Mr. Cooper. In XX/XX/XXXX we were met with demands for a crossing permit fee from a railroad, XXXX XXXX XXXX, XXXX XXXX XXXX.who 's tracks we must cross to access our homes, We reviewed the permit with a legal advisor and were told not to sign the demands as we surrender our property rights to this railroad. Not long after, we were met with a legal notice filed by the XXXX listing us as the defendant in a legal lawsuit filed against our property for " quite title trespass ''. Case # XXXX   in the Circuit Court in XXXX County Oregon. We purchased Title Insurance and our law firm sent a document direct to XXXX XXXX   company where between XXXX and XXXX we were told there is no way either were responsible for what happened to us? The XXXX  went back decades and found a flaw where one property owner neglected to retain a crossing permit on record in XXXX  County and the XXXX claims we, and all the Residents on our Country lane are trespassing to our own homes. We were advised to not make a payment until this matter is resolved. My first thought was contact Nation Star and have them work with us, to date, now going on six years later, we haven't been able to access Nation Star Mortgage, I had an office lady hang up on me when I tried to make arrangements on our home. We owe 29 months and Nation Star has foreclosed on our home, they want to sell our home but simply can't until this mess is settled. This mess was a direct result of the Oregon Legislature gifting millions of stimulus with no strings attached to the owner of XXXX, who pre planned to take away our properties, XXXX  was offered millions in more stimulus to drop this lawsuit and declined, we prevailed in Circuit court and currently awaiting the Oregon State Supreme court ruling, we have been advised this will never be over! Why did we put up XXXX  in down payment to become bad people? We didn't, we feel we are owed a way out of this mess via. NationStar, we could care less about getting our XXXX back, ( however, we think we are entitled to a full refund ) we just don't think we should be making payments on a home we are trespassing to access, we also can't understand how any bank could loan money if there is a title defect? XXXX  County Oregon also owns our access road called XXXX XXXX, should this XXXX buy this property from XXXX  County, it would restrict access via. any and all vehicles. This is insanity! Nation Star Mortgage wants nothing to do with us, we just want our credit history cleaned up and Nation Star to go away and we will gladly move. Why would we make a single payment if we can never sell this home and if we are trespassing to our home? I'm more than sure a bank will never loan a XXXX   on any property on our XXXX XXXX ever again. You can XXXX search ... XXXX XXXX XXXX vs. the People on XXXX XXXX in XXXX XXXX  Oregon for more details.
Product: Debt collection

Kimball Tirey is attempting to collect a debt that I did not incur. On the credit report it states the debt started in XX/XX/ 2019. In three years they have made no contact or sent any letters. They made no attempts to legally verify the debt was in fact incurred by myself nor sent any communications.
Product: Credit card or prepaid card

I just found out in the month of XX/XX/XXXX that their is a lien on my property from an account from Discover Bank since XX/XX/XXXX which is 9 years old. 

I have a homestead on my property which does not allow a lien unless it is a mechanics lien, which means part of a home improvement. 

A credit card is not a home improvement loan that can put a lien on my property. 

A normal credit card would generally be off my credit report within 7 years. 

I don't know how Discover Bank was allowed to receive a Judgment and lien on my personal home ( resident ) as I don't remember ever having a Discover Card. 

This was done illegally through deception of a Judgment. I understand a credit card can get a judgment. But not a lien on personal property. 

I don't remember ever having a Discover Card. This account is not mine.
Product: Credit reporting or other personal consumer reports

As outlined in the Fair Credit Reporting Act 15 USC 1681 section 602, consumer reporting agencies, including XXXX and XXXX, are legally obligated to ensure they handle consumer information with fairness, impartiality, and a clear respect for privacy. I am the consumer in question, and I have not given written consent for my personal information to be shared or furnished in any manner. Under 15 USC 6801, it is Congress 's policy that financial institutions must safeguard the privacy and confidentiality of customer information. Per 15 USC 1681 section 604, your organization and the consumer reporting agencies involved do not have the required written authorization to furnish this account, and I formally revoke any perceived consentwhether verbal, non-verbal, or implied. 15 USC 6802 further reinforces my right to opt out, yet I was not provided any means to do so. Additionally, per 15 USC 1681C, any adverse information older than seven years can not be legally reported, and this account qualifies as such. You are in direct violation of federal law, and I am formally opting out of your reporting services. I demand this account be removed immediately.
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 XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXXXXXX XXXX : Account Number : XXXX 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 XXXX XXXX XXXX XX/XX/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 card or prepaid card

I attended Timeshare presentation in XXXX XXXX New york on XX/XX/2023. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New york XXXX Phone : XXXX They requested ssn details to check my credit score to make sure if I am eligible for financing. Later I got email from Barclays Bank Delware that my credit card is approved. I called them to cancel and it is not yet done, I still see that account in my credit report. 

Now there is one more credit card is open from XXXX XXXX 

I see they misused my ssn details to open multiple credit cards which is directly impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting to all credit bureaus Transunion, XXXX and XXXX that my closed acconts as open and on time. This is a breach of information and fraudulent. My accounts can not be open and closed at the same time. This is accurate and a closed account is not active. These practices must be corrected. This is a clear violation of the FRCA. XXXX is reporting empty remarks which is hurting my account. XXXX is reporting closed accounts with remarks that are not there.
Product: Credit reporting or other personal consumer reports

Certainly! Heres a revised dispute letter requesting the removal of the overdraft fees from your credit report : -- - [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Phone Number ] [ Date ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Inaccurate Information from Credit Report I am writing to dispute inaccurate overdraft fees reported on my credit report related to my XXXX XXXX  account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request the immediate removal of these fees, as they were incurred due to delayed transaction postings and are unjust. Please investigate this matter and correct my credit report accordingly. 

Sincerely, XXXX 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 XXXXXXXX : 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 : XXXX XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 or other personal consumer reports

I found mistakes on my credit report related to 15 USC 16c-2. Unauthorized hard inquiries are listed, harming my credit, and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX, 11 XXXX  XXXX, XXXX. XXXX XXXX Company Inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

I attempted to use Annual XXXX Credit Report.com to obtained my credit file, TransUnion block my online attempts said I had to use regular mail to request said report and made the consumer wait and additional 14 days to get a copy of their report in direct violation of the FCRA. 

I received report # XXXX for XX/XX/2022, and noticed XXXX had deleted the following ( XXXX ) Loan accounts from said report : XXXX XXXX XXXX XXXX XXXX {$17000.00}, and Personal Loan account {$13000.00}, both accounts are currently open in good standing without any late payments. 

TransUnion removal of both loans accounts intentionally lowered the consumers credit scores and ability to obtain additional loans. This act of removing open lines of credit was based on race and designed to lower the credit scores of Americans of XXXX decent and blocking the consumer ability to obtain said credit reports online and delaying the consumers ability to correct any information blocked said consumer from obtaining timely financing. 

I am therefore requesting a investigation into this practice asking the CFPB to enact and enforce laws and provide consumers with protection from this abusive practice and fine TransUnion for this deceptive business practice that may affect millions of American of XXXX descent.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I want to express my appreciation for your efforts in removing some of the incorrect items from my credit report. However, there are still outstanding items that need to be addressed. This complaint serves as a follow-up to my initial complaint dated XX/XX/XXXX, as I continue to be affected by mistaken credit reporting. I am submitting this complaint to dispute the remaining inquiries on my file, which do not correspond to any transactions involving the acquisition of goods, services, or funds that I have initiated or authorized. Please remove the following inquiries from my credit file as they result from inaccurate credit reporting : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX According to the Fair Credit Reporting Act Section 605B ( a ), you are required to remove any items opened without my knowledge, consent, or authority within four business days, provided with ( 1 ) appropriate proof of my identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of the disputed information ; and ( 4 ) a statement affirming that the disputed information is not related to any transaction I conducted.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have a current police report on file with XXXX XXXX. The following reported information and inquiries viewed by others currently listed and showing on my XXXX XXXX  Consumer Report ID : XXXX is fraudulent accounts, information and inquiries : XXXX XXXXXXXX XXXX XXXX XXXX, XX/XX/year>, {$860.00}, XXXX XXXX XXXX XXXX, XX/XX/year>, {$1000.00}, XXXX XXXX XXXX, XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Employees XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, Workers XXXX XXXXXXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX Educators XXXX XXXX XXXXXXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX Employees, XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX, XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> 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 XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

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

Account name : # 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.
Product: Credit card

I have been a customer of XXXX for a long time and always availed and enjoyed the rewards and perks they offer through their store credit card. So I know they are good with those offers and also know how to use them. But with last two purchases, I was supposed to get extra {$10.00} and {$25.00} extra scratch off offers but they never materialized. They usually send these after 3-4 weeks so there is a significant lag before I can call and ask them. When I finally chatted with the agent, she agreed I should get them and gave me a phone number to call, I called that number XXXX ( XXXX ) XXXX ) but the agents there told me those are promotional offers and no longer active so they can't do anything about them. They are going by a script but I should have some recourse where if I did not get what was promised, I should be able to reach someone and able to resolve. But the Agent on the line said there is no supervisor that will take my call. Her number is XXXX. The two purchases I made are : XXXX. XXXX XXXX XXXX XXXX ( purchased on XX/XX/XXXX XXXX  ) for {$260.00} and XXXX. XXXX XXXX XXXX XXXX ( purchased on ( XX/XX/ ) for {$130.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 notice a capital one credit was open without my consent I contacted capital one they close the account and told me to report to identity theft and to all credit bureau which I did now I want the hard inquiry off my credit report
Product: Credit reporting or other personal consumer reports

Please help me have that fraudulent account remove from my report
Product: Mortgage

XX/XX/XXXX- storm damage on main house and pool house roofs XX/XX/XXXX-Got inspected. Contacted insurance Company XX/XX/XXXX- Received first insurance check for {$16000.00}. 
XXXX Overnighted to Selene Finance . Received endorsed check from Selene XX/XX/18 XX/XX/18- Received final insurance payment of {$7000.00} XX/XX/XXXX- Forward unsigned check to Selene. 
XX/XX/XXXX- Received check and letter saying it required my husband I to  endorse plus complete several other documents by us and our roofer. 
XX/XX/XXXX- All documents from our roofer and my husband and I were completed, notarized and returned via a PDF. 
Mailed endorsed check to Selene Since the last date of correspondence, we have contacted Selene no less than 10 times. We have since learned instead of returning the final check to us for our roofers final payment, Selene deposited the check. 

Our roof has been completed since XXXX. We can not get the final payment from Selene. Our roofer is placing a lien on our home Friday, XX/XX/XXXX. 

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

I have sent complaints to both credit bureaus as I was never late and the payment history is inaccurate from one bureau to another
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, XX/XX/1920 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX Please delete it XXXX XXXX XXXX XXXX, FL XXXX please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

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

XXXXXXXX XXXX  XXXX add comments to my credit profile regarding loan modification service which I participated in under the Cares Act. In addition, XXXX has consistently reported inaccurate and inconsistent payment statuses across the 3 different credit bureaus. Shellpoint is in violation of FCRA. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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.

3. 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.

4. 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.