23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or about XX/XX/XXXX, I attempted to obtain a mortgage refinance from a conventional loan lender ( On Q Mortgage, Mortgage Lender Servicer License # XXXX ) on an existing mortgage held by a family member who deeded our home ( located in the state Florida ) to myself and my partner. 

The mortgage to be originated was underwritten to XXXX XXXX underwriting guidelines. XXXX XXXX  guidelines stipulate any outstanding judgements must be paid prior to or at closing. I am associated with two in rem judgements from the foreclosure of a property ( located in Illinois ) in XXXX. Per Illinois statute, I am not liable nor responsible for the judgements in question, as they were satisfied by XXXX of the property. The foreclosure these judgements related to was disclosed during the application process for the mortgage in question ( and the associated negative trade line removed from my credit file by XXXX XXXX XXXX as part of its settlement with the US government ). 

To close and fund the mortgage ( which had received a conditional approval ), a representative of the lender stated that I would need to bring {$3500.00} ( which it was not made clear how this amount was determined ) to closing to be disbursed at an unknown future date to the judgement holder if they could be located. I again communicated that the in rem judgements in question had ben satisfied, and requested what documentation would be accepted to demonstrate this. I was told by a representative of the company no documentation nor an attorney opinion letter would be accepted. I indicated that I was not interested in providing funds for judgements that were legally considered satisfied, and requested a refund of my appraisal that was ordered and required by On Q as part of the refinance process. I was told no refund would be provided. 

To confirm I was not responsible for the judgements in question, a judgement search was performed by XXXX XXXX XXXX, confirming no outstanding judgements existed. I have attached the title commitment XXXX XXXX XXXX provided, as well as the email from my attorney confirming this. 

I believe the actions taken by On Q violate the Consumer Financial Protection Act ( CFPA ) with regard to its prohibitions against unfair and deceptive acts or practices, as well as the legal doctrine of promissory estoppel.
Product: Credit reporting, credit repair services, or other personal consumer reports

There should be no late payments in 2018. Tried to talk to the Department of Education but they are not taking any phone calls.
Product: Credit reporting or other personal consumer reports

In according with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX, to reinvestigate these accounts : acct, XXXX bank # XXXX, acct, XXXX XXXX CT GA XXXX # XXXX, acct, XXXX bank # XXXX, acct, XXXX XXXX XXXX # XXXX, acct, XXXXXXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify account 's that aren't reporting correctly.15 USC 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

Lendmark did not address any of my concerns, see their response on XXXX. 

Please be advise that I have notified the Attorney General. You all have repeatedly violated my rights as a federally protected consumer. I am now going to be pursuing further action as Lendmark is showing their willful noncompliance to federal law at my expense. I have the right to privacy and that has been breached by Lendmark. I have tried many times to rectify this situation before escalating these concerns. 

In their responses, they keep addressing me as XXXX AND stating or to whom it may concern as if I am not the one who has been filing these complaints. This is an example of their complete disrespect and disregard for how they are handling my concerns. Lendmark you have been placed on notice for the multiple violations and all I have asked for was for you to remove this unlawfully reported account from my consumer reports and you won't even do that. 

The FDCPA states that you are to cease all collection activities until you have produced verification of the alleged debt if requested by the consumer. As per the FTC, this includes reporting to the consumer reporting agencies, which you have obviously done illegally.
Product: Credit reporting or other personal consumer reports

am disputing XXXX hard credit marks on my credit report. I did not remember me giving any permission to any agencies to perform a hard credit on my report. 
XXXX XXXX XXXXXXXX  prestigue finanacial XXXX  XXXX am asking that these information be remove from my report. 
thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report, and I can't figure out why. I routinely check my report, but this time, unexpected discrepancies appeared. I even refreshed my browser, hoping it was a glitch, but the inaccuracies remained. Because of this, I urgently need the documents I've submitted to be thoroughly reviewed so I can finally put this worry to rest.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. There are 3 accounts listed on my report that are incorrect. On the exact date of XX/XX/XXXX there was a " XXXX XXXX '' account opened with an open balance of {$440.00}. On the exact date of XX/XX/XXXX there was a " XXXX XXXX XXXX '' account that was opened and listed on my credit report with a balance of {$1600.00}. On the exact date of XX/XX/XXXX there was an account opened by the name of " XXXX XXXX XXXX '' with a reported balance of {$23000.00}. The highest being {$34000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit report. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Debt collection

I entered into this consumer transaction using my open end credit plan ( SSN ). I have requested on several occasions for Capital One to validate this account, that was never done according to FCRA. Reporting this unverified inaccurate account has harmed my ability to extend my credit to other financial institutions. This company sold my personal information to a 3rd party, that's was against my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been disputed multiple times with all 3 consumer agencies and the issues still continue to affect my life every month for the past few years and this is a violation in more ways than one! 

XXXX XXXX XXXX XXXX CO in XXXX ) and OPPLOAN/FINEWISE ( CO in XXXX ) accounts are continuously reporting on my credit report negatively each month for yearsand it is affecting my credit and re-aging the debt so that it will stay on my report longer. Each month it is also reporting an increase amount monthly ( XXXX accounts ) which also brings down my score monthly. According to FCRA 623 5 ( a ) duty to provide notice of delinquency of account states it should report the month and year, not continuously report for as long as they want. They are in violation and this is UNLAWFUL. 

XXXX CO account reporting every month negatively on an amount greater than {$600.00} XXXX XXXX XXXX XXXX account reporting a CO amount greater than {$600.00} XXXX XXXX XXXX XXXX all violations of the laws listed below FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) FCRA 15 USC 1681 ( e ) ( b )
Product: Credit reporting or other personal consumer reports

On a number of occasions credit karma pre-approved me for a loan / card and ran my credit through dropping my score when each time there was never any approved loan or any intent to lending any credit behind their deceiving action the only thing I received from them was a drop in my credit score each time their false approvals is very misleading and plan out unfair this shld be acknowledged and and corrected thanks for your time XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit. I have asked Cardinal Financial and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX/CARDINAL FINANCIAL COMP XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I received a letter from XXXX XXXX dated XX/XX/2018, stating that my Walmart credit card account was closed due to my credit score dropping to XXXX. This isn't my correct credit score ; I also opened this account with this type of credit score. At this time my account was in good standing. 

I contacted the company to re-open my account and they would not do it.
Product: Checking or savings account

I had a fraud case cuz i applied for a loan and it happened to be a scam they went into my bank deposit checks into my account and my bank Td bank closed my account with out telling me and they didnt wan na give me my savings account
Product: Debt collection

XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$420.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested Experian to delete my federal loan amount from my credit report because the entire amount was forgiven by the US Department of Education. This reflects not only on the XXXX website but also XXXX who were the holder of the loan amount. Experian only deleted a portion of the amount and not the entire amount.
Product: Debt or credit management

They took money out my account when they was in court. I sent the information to the person in an email told me I would be paid back for the payment never received it. I have had to put stop payments in my bank for Lexington law firm but they come up with another name to take money out of my account
Product: Vehicle loan or lease

This was a loan I should not have received due to unemployment and very low credit score and living on a partial VA XXXX of only XXXX month and a mortgage and on top of all of it I had a high interest rate
Product: Credit reporting or other personal consumer reports

I've never had an account with XXXX XXXX and the Bureaus refuse to delete this account. XXXXXXXX XXXX  provided a letter that doesn't validate that I've had an account with them. I've tried to contact XXXX in regards to this account and they continue to report to my credit report. I've never had a credit card with XXXX and yet they are reporting on my credit report. This accounts is reporting information which varies from bureau to bureau so that in and of itself proves that this account is reporting inaccurately and also for some of them. I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act.

I demand a re-investigation and deletion of this account and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, I'm going to assume that 30 days constitutes more than enough " Reasonable Time '' for the re-investigation and correction of my credit report..
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Bank of America ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ) regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. 

I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 



On XX/XX/year> I notified Bank of America that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services.

I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution.

Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Bank of America has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 



This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 



I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Bank of America complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 



Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Bank of America. 



Please feel free to contact me at ( XXXX ) XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that does not belong to me and I need them removed from my credit report. I am listing the accounts below. 

XXXX XXXX XXXX XXXX XXXX  {$3100.00} XXXX. MIDLAND FUNDING XXXX {$2200.00} XXXX. XXXX XXXX XXXX {$970.00} XXXX. XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

With regard to the Data Breach at Equifax I was wondering if you could confirm a few points?

1. Does Equifax have to notify every persons whose files have been compromised?

2. Does the fact that Equifax made a public announcement negate their responsibility to notify individuals.

3. I believe my Data has been compromised ( using the Equifax website to check ), does this now give me free access to the other two Credit Reporting Agencies for a year?
Product: Mortgage

I have requested several times to Lakeview Loan Servicing to have my Escrow payment adjusted due to having a XXXX veteran exemption on my property. I am currently paying $ XXXXmonth of escrow based on an elevated tax bill that does not apply to me since I have been able to put my XXXX veteran exemption in and it was effective immediately. The latest bill that I received for the month of XX/XX/2020 was {$800.00} for the year which has been submitted to the company. My annual property insurance bill is only $ XXXXyear which is correct on their website. I am requesting an adjustment to the rates that are actually in place. I have spoken with at least 3 or 4 different people since XX/XX/2020 to make these adjustments along with submissions through the website. Please reach out to me if anything else is needed. Thank you.
Product: Credit reporting or other personal consumer reports

I sent letters out XX/XX/2023 to Experian, XXXX, and XXXX, Here is my tracking numbers # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 and again on XX/XX/2022 fraudulent transactions were made against my checking account. 
On the account detail line " Telecheck '' and their phone number appears in the payee line.

I have contacted the company who refuse to assist in any way, claiming they were not the recipient of the stolen money.

However Telecheck facilitated the theft, allowing and encouraging the final recipient to steal the funds.
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my consumer credit report and I noticed that I had fraudulent accounts on my profile. I am referring to the accounts from XXXX XXXX XXXX with the account number XXXX and account number XXXX. Also the account from XXXX XXXX XXXX with the account number XXXX. Please remove these accounts from my report IMMEDIATELY because I did not authorize them and I do not recognize them. I have never entered into an agreement or a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX which makes these fraudulent accounts, inaccurate reporting to my consumer credit report and a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent account reporting is hurting my ability to obtain credit. I demand that all forms of communication from XXXX XXXX XXXX and XXXX XXXX XXXX to cease and for these accounts to be deleted from my consumer credit reports.
Product: Mortgage

Around XX/XX/2023 ... AmeriHome Mortgage Company LLC, were served with a Good Faith DISCOVERY NOTICE ; Verification of Proof of claim, under the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ) .Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. AmeriHome Mortgage Company LLC, were allowed an additional 30 calander days, with even further/additional time to respond, and has/is shown/showing zero concern for the above mentioned Law. The amount in question is in excess of XXXX in U.S. Currencies or some other unknown, unclear or deceptive language used that the presumed lendee of the NOTE is Not aware of. A " REQUEST FOR ADMISSIONS '' were also served upon AmeriHome Mortgage Company LLC, and " Holder In Due Course '' has received zero response from AmeriHome Mortgage Company LLC, nor from it's Trustees. 

NOTICE : Under Title 12 226.39 ( regulation Z ) part ( a ), a servicer does not have the rights of a holder in due course and therefore, do not have the right to foreclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have been fighting Equifax for some time now. They have my birthday incorrect and even after several attempts to get them to fix it they still have it wrong. I have supplied them all the information they need to investigate the information and they still report it incorrectly. I am not sure if they don't read English or what but the information they listing is wrong. I have called them, written them and still they refuse to fix their incorrect information. The birth date they are reporting is associated with fraud and they should have done more at that time instead of trying to lock everything with the wrong information! I was a victim of fraud and using that incorrect information also shows an account with XXXX XXXX which is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my XXXX XXXX and see I have a hard inquiry on XX/XX/2018 XXXX XXXX / XXXX XXXX. I do not shop there. This is fraud. I did not authorize it. I have called customer service a few times to get removed with nothing concrete done.
Product: Credit card

I got " timed out '' on my long explanation, so here is a quick summary because I'm not repeating everything. Fix your website. 

Chase Bank is not reversing a fraudulent charge on my account for {$1500.00} made on XXXX XXXX by a company named XXXX XXXX XXXX. 

Chase received " documentation '' from the same people who defrauded me, and are using that to bolster their case against me. I also received emails stating an order number, delivery notice, and other " promotional '' emails from the same company. I do not know who this company is, and certainly did not purchase a " XXXX XXXX '' from them. 

I do not buy things that cost {$1500.00}. I went to the website and it looks like a stationary bike for use at home, like a XXXX. I think those are stupid, and would never even think about buying one. My mother and father live with me, and they would have noticed a huge exercise bike being left on the porch! If Chase Bank would check with XXXX, they would see there was no record of delivery, or the order at all. Even if it was shipped to another address, that would still confirm it wasn't made by me! 

All I want is my money back. Is that too much to ask for? {$1500.00} might not mean anything to Chase Bank, but it means everything to me! I don't understand why Chase Bank is using evidence from the people who stole from me to justify their position in this case.