23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/17 n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I believe in XX/XX/2016 a friend convinced me to sign up for a student loan forgiveness company called XXXX XXXX which is connected to the company Equitable Acceptance. They stated that after paying {$49.00} a month for a certain period of time, that my student loans would be wiped. I have almost paid {$2000.00} to this company over the past two years. Only recently ( about a month or two ago ) I  asked that company ( XXXX XXXX ) when my time is done with them and what happens next. They advised me to ask the Federal Student Aid or Department of Education because it was up to them what happens next. After explaining my situation, the representative believed that this company was fraudulent and advised me to stop paying their monthly bill immediately, call my bank ( XXXX XXXX  ) to not allow them to automatically take that money out each month, call the credit company to make them aware of the situation, and contact another higher authority to give in a complaint ( which I cant recall the name to continue with asking them questions about this situation ). I tried calling the company Equitable Acceptance to discontinue services in which they wouldnt allow me to. My bank put a stop on them pulling out the payments where they also did some type of investigation and deposited {$190.00} into my account out of the close to {$2000.00} Ive paid over the two and a half years. A fraud alert went out on XXXX XXXX to hopefully protect my credit from them. The higher power company that I cant recall told me to keep them updated if the company reached out to me for any reason. Since then I have received multiple emails saying I need to make their payments, threatening voicemails with recorded messages from questionable numbers, and emails saying my account is severely delinquent. I tried to sign into my account on Equitable Acceptance to get the exact details of when I started with them and calculate how much money exactly was given to them to give those things to you but its not even allowing me to sign in. I am not sure what the next steps are to resolve this situation, how to completely disconnect from these fraudulent companies, how to hopefully get some of that money back that I paid for the past two years, and how to move forward from all of this. I would appreciate any help possible.
Product: Student loan

I unfortunately consolidated all my students loans with XXXX XXXX XXXX now Navient. On XX/XX/2016, I called the company to confirm that my student loans were amortized. I needed this information for a home mortgage. The customer service representative gave some ambiguous answer and agreed to send a letter for my home mortgage. The documents sent by Navient failed to prove that the loans were amortized. I called the company on XX/XX/XXXX and finally the customer service person indicated it was not a amortized loan. I need to refinance this loan after closing on my house. Because the student loans were amortized, I am having to pay anoth {$6800.00} to {$7200.00} at closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX several times through Equifax. The lastest being XXXX XXXX which the dispute was completed on XXXX XXXX. I have never did business with XXXX XXXX XXXX nor do I have a contract with this company. The last dispute only took Equifax only 6 days to complete. I think Equifax is being unfair to consumers and did not conduct a proper and timely investigation and with that they have violated Section 15 U.S.C 1681 of the FCRA ... .Where and what documents did Equifax use in their files to validate and investigate this account. Equifax has no proof or written contract in their files to hold the account to be true and therefore it should be deleted. As I am sure Equifax is aware, current Federal case law states, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... Promptly Delete all information which can not be verified.
Product: Credit reporting or other personal consumer reports

Account name : XXXX Account number : XXXX I just recently looked at my credit report and noticed that some accounts have a late payment. 
Reinvestigate this concern and update payment on XX/XX/year> and XX/XX/year> to pay on time. Delete 30 day late from my credit report immediately due to violation of 15 USC 1681s-2 ( f )
Product: Payday loan, title loan, or personal loan

Mariner finance sent a live check of a loan amount of {$2500.00} to my personal postal mail. This check was subsequently stolen from my mailbox and cashed. I did not cash this check, nor did I ever have it in my possession. Now Mariner Finance has opened a loan account in my name for money that was stolen and used fraudulently. 

The check was in my mail on XX/XX/2019. I have the scanned image from USPS. I never saw this check in my mailbox or possession. This check was stolen from my mailbox and subsequently cashed XX/XX/2019 at XXXX XXXX XXXX in XXXX, UT. I do not know how this check was legally cashed without a fingerprint or two forms of identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX, on XX/XX/2021, I found out multiple accounts on my credit report that were not mine, and I do not have any idea why they were on my credit report, after doing some research, on XX/XX/2021, I submitted my first dispute, months later, I pulled my updated credit report and those accounts still there, I really need these following accounts to be remove from my credit report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX, these XXXX accounts mentioned above are not mine, I need these accounts to be remove from my credit report, because they are affecting my ability to get funding.
Product: Credit reporting or other personal consumer reports

The inquiries below does not belong to me I am a victim of identity thief Under 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 terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances 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 CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI
Product: Credit reporting

I FILED A DISPUTE ON XXXX ACCOUNT ON MY CREDIT REPORT - AVANT - WHICH LISTED ME AS XXXX MOS. PAST DUE, {$340.00} WHEN IN FACT I MADE THE PAYMENTS AND IT WAS DURING A TIME WHEN I WAS IN TRANSIT FROM MY HOME IN XXXX TO XXXX TO DEAL WITH THE DEATH AND FUNERAL OF MY MOTHER. I WAS CONSTANTLY COMMUNICATING WITH ALL MY CREDITORS, MAKING PAYMENTS AS I HAVE, AND FOR SOME REASON, XXXX, DID NOT RECOGNIZE MY EMAIL ( XXXX ), ONLY XXXX AND DID NOT CREDIT MY PAYMENT CORRECTLY AND I HAVE SEVERAL EMAILS FROM THEM STATING THAT THEY DO NOT RECOGNIZE UNREGISTERED EMAILS, BUY MY IPAD FOR SOME REASON SENT BOTH BUT XXXX 'S SYSTEM, WHEN NOTING THE " UNRECOGNIZED '' EMAIL - REJECTED.
Product: Credit reporting or other personal consumer reports

I called company let them know that sent payment twice from the postal office and both times mail was stolen I called to let them know I will be making a payment and to not market it late and they reported as my credit late I had 100 % on time payment through out my credit I tried calling and resolving and they are brushing me away I tried calling Experian and all credit beaut as well its so hard to get in contact with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft. 

The Accounts im disputing are - XXXX XXXX XXXX/XXXX XXXX   Account # XXXX Amount {$510.00} - XXXX XXXX Account # XXXX Amount {$4900.00} - XXXX XXXX XXXX # XXXX Amount {$4100.00} - XXXX/XXXX Account # XXXX Amount {$1600.00} - XXXX XXXX Account # XXXX Amount {$8400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have retained a copy of my credit report and noticed that Transunion has seriously breached my consumer rights to privacy. Transunion you have negligently furnished my report without permissible purpose. I have never provided Transunion with written consent to report my personal information to XXXX XXXX and XXXX XXXX which you have falsely affirmed. Furthermore, you are also reporting information that is incomplete and inaccurate which does not comply with Section 609 of the FCRA. TransUnion 's your improper and unreasonable procedures are highly damaging to my personal and credit worthiness. Transunion you are also in violation of 15 US Code 1681c for non compliance. Transunion has failed to provide me with notice that they disclosed the contents of my credit report to a 3rd party and creditor which I have no obligations or agreements with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few Inquiries on my credit report I do not recognize
Product: Mortgage

On XX/XX/2022, consumer applied for an extension of credit via a credit application to acquire property for personal, family, and household use. Consumer completed this application with CARDINAL FINANCIAL COMPANY. On XX/XX/2022, CARDINAL denied consumer 's application for an extension of credit. The ECOA makes it clear that no creditor shall discriminate against any applicant with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under the CCPA. CARDINAL failed to send an adverse action letter to consumer within 30 days of receiving a completed application. On XX/XX/2022 Consumer sent CARDINAL a correspondence to remedy the discrimination and violation, but CARDINAL failed to accept my offer or counter my offer. In my correspondence, CARDINAL declined to compensate me for the discrimination and also failed to address the approval for the extension of credit.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep frustration and concern regarding the ongoing presence of fraudulent items despite our repeated attempts to rectify this issue. As we enter the several attempts to address this matter, it is evident that more concerted efforts are necessary to effectively manage and remove these fraudulent activities from our systems. 

Despite the resources and measures allocated to identify and remove these items, it is disheartening to observe their continued presence in our records. 

I urge you to conduct a comprehensive review of our fraud detection and prevention measures to identify any systemic weaknesses or gaps that may be contributing to the persistence of these fraudulent activities. It is imperative that we implement robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance XXXX : {$1900.00} XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX CARD XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Mortgage

In a previous complaint on XX/XX/2021 about XXXX XXXX XXXX XXXX when he hung up me his last words were I can't do business with you! This was after he had done a hard look at my credit report with my permission. On XXXX XXXX I received a statement of credit Denial, Now he has looked at my income, WITHOUT my permission. I DID NOT ASK FOR ANYTHING but a Interest rate. I never told him anything about what I was looking for! Since this letter was dated XXXX XXXX had he received my complaint and trying to mess with credit! I want all XXXX XXXX To clean this off my credit reports and New Day to explain why He was ALLOWED to Do this. I have approvals from other lenders I was just looking for a better interest rate! Someone needs to control this Individual! 
Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is that I have a card that is 23 years old and has a good ratio of available credit. I have a second credit card with the same company, XXXX XXXX. The newer card appears on my credit report but the one that is 23 years old does not. The 23 year card is, in fact, the oldest credit card I own that is still active. 

I tried to fix this issue with experian boost in XX/XX/2022. I then called my credit card company today to verify reporting. They verified that all of my accounts are reported to all 3 credit bureaus. I can see this account on the other 2 credit bureau reports but not Experian. 

I called Experian and was referred to a dispute specialist. I was told they could only see one account on my report. Something I already knew. The rep seemed unwilling to investigate or provide any other help. I had to request an escalation. At which point I was told a supervisor would call me in 48 to 72 hours. I have little hope I will actually get to talk to a supervisor because I have unknown callers on my phone silenced to avoid scammers and telemarketers. I am attaching the XXXX page that shows the card that is missing from Experian to prove what my credit card company is saying. Also attached are snapshots that show the card that is being reported on Experian.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below 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  These hard inquiries are the results of identity theft and fraud.
Product: Mortgage

Our family prequalified through supreme lending for a mortgage XXXX. They told us our loan looks good, told us how they could do a quick close. That sounded great to us, we could be in a new house shortly after the school year started. We turned in all our documents was told everything looked good then approximately 3 weeks had gone by time to enroll our son in school. We called the mortgage company confirming our loan. We were told our loan looked good but they could n't find an appraiser for 2 weeks minimum. We had to postpone closing, told us if we could find an appraiser to get it done we could close on time. We did, all the sudden their appraiser could do it but had to postpone closing a week. That 's when the problems started. They had lost or never received many of the documents we gave them. This is the first time we were notified of the problem. Because of the " your loan looks good, no problem " we enrolled our son in school. A week before closing the loan still had not been to underwriting. Still missing documents that were resent 2 and 3 times. They had a page here or a page there, but missing page # s ... Sent them again, " they must be going to spam '' is what we were told. I reopened all documents verified info. And told them I 'll be there tomorrow after work. I sat in supreme lending conference room for over an hour waiting for them to receive a fax from our bank that was sent before I arrived. Was lied to about being able to close on time, told they do n't have a spam file in their email. I have all these email conversations saved between me and the assistant loan officer. Come to find out from the branch manager, " there 's no way to close in 3 days, there is a 3 day wailing period after loan is accepted. We had n't even made it to underwriting yet. I came unglued, my documents had been lost multiple times, lied to about closing on time but late according to original contract because of shady appraisal deal. My son is in a school XXXX miles away from home because '' your loan looks great, solid '' I think is what we were told. The deadline to loose our earnest money was 2 days away, I told them I need an answer before I loose more money in this shady situation. I looked at reviews on line and by chance one of my employees was having same issues with his loan. We got to talking, same company '' SUPREME LENDING '' our loan was denied the next day. Now we 're in underwriting at another company with a real pre approval. I believe supreme is misleading, mishandles documents, and not honest or up front about their appraisals. I have requested them to return my documents they did n't loose and destroy all vital info we have them. No response to this point. STAY AWAY FROM THIS COMPANY " SUPREME LENDING '' very shady. I 'll be happy to share all our email conversation, check out the customer reviews, you 'll fine this to be a common practice for that company. Not to mention everytime we communicated our interest rate went up.
Product: Debt collection

I am writing to request your help. I tried to solve this issue with CrossCountry Mortgage back on XX/XX/2019. I requested this company to start an investigation about a late payment that is being reported to the credit bureaus. In the request I also clarified that I was disputing the payment history they are reporting to the credit bureaus. 

40 days after, I checked my credit reports and they did not even mark the account as disputed, they did not start any investigation as they are supposed to under the FCRA. 

Please help me to solve this issue since they are committing multiple violation such as reporting incomplete and incorrect information to the credit bureaus, unfair business practices and negligence, etc. 

See documents attached.
Product: Debt collection

On XX/XX/year>, I sent a debt validation letter to Midland Credit Management. I requested as outlined in the letter specific information in order to validate the debt as well as their bonding agent shall I need to take legal action. They responded with only partial information including just a simple account statement from the original credit, the balance, and when the account was sold. Not included : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Or the bonding agent for the company. Therefore, they are in violation of my consumer rights as I have no legal binding contract with Midland Credit Management. Providing partial information does not validate the debt.
Product: Credit card

XXXX XXXX is a direct violation of the XXXX XXXX XXXX. As original creditor I was denied an extension of my own credit. Upon asking for original note because the company is for profit corporation I did not authorize the sell of my security. I was told we would not get the original back. I have the prospectus form that outlines the receivables and for investors to be compensated. American Express is an bank an is not Authorized to deny me any amount of credit. This application has been securitized. American Express admits to selling my securities to a number of different underwriters stating and I quote Under the terms and subject to the conditions contained in a terms dated XXXX XXXX which incorporates by reference the provisions contained in the document entitled " American Express Company -- Debt Securities -- Underwriter Agreement Basic Provisions '' filed with the SEC on XX/XX/2015, we have agreed to SELL to the underwriters named below, for whom XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are acting as representatives, the following respective principal amounts of the notes. So that's just a minimum to a larger scale of fraud to deny me and blame an credit score and not realizing you just discriminate against me and stole my securities and sold them for profit.
Product: Credit reporting or other personal consumer reports

There are fraudulent accounts being reported on my credit report that must be deleted now. I did not give consent to any of these accounts. Please fully investigate and remove inaccurate items from the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.