23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi, First off, my loan process was started on XX/XX/XXXX with XXXX XXXX with Sage Mortgage and I specifically selected Sage over XXXX  XXXX because of his wonderful communication and customer service from XXXX. I was able to upload all necessary documentation by XX/XX/XXXX and everything seemed to be going smoothly until XX/XX/XXXX. At this time, my emails and calls remained unanswered until XX/XX/XXXX. This was due to the fact that XXXX was no longer my loan officer. This was never communicated with me, nor contact information provided for the new loan officer. Instead my emails and phone calls simply went unanswered. From there, XXXX XXXX XXXX, my loan processor was the only one working on the loan and it seemed as if she could not access the information I had given to XXXX because duplicate information was requested. Even more concerning, I was told that the information I provided about my condominiums insurance policy was incorrect. So I contacted the insurance company with information given to Sage in order to attain the master policy. They were able to provide this the same day. Considering this is a service that Sage is charging me for, it is odd that I needed to do it for them. 

Thankfully on XX/XX/XXXX I was assigned a new loan officer, XXXX XXXX. His communication was great at first except he, like XXXX, was requesting information that I had already provided weeks ( if not, a month ) earlier. Unfortunately, that same day all communication from XXXX halted and he was unable to get a hold of via email, phone call, or text. Not until XX/XX/XXXX did he contact me again to let me know he couldn't communicate with me because of an issue with his licensure in Colorado. He then halted communication that same day and once again no communication has been provided about my loan. 

My rate has now been extended twice by XXXX. After multiple attempts at talk to a supervisor or manager for months I've yet had success. Please help me figure out what is going on with my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 instructionsI
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1581e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : creditor : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Because I have been suffering from identity theft, I have been working with CRAs to remove all of fraudulent accounts that were made by the crime. 
XXXX and XXXX XXXX found all accounts that I have reported to be fraudulent were involved with the identity theft, so they have successfully removed all of negative accounts. But the Equifax is continuing to report one account from XXXX XXXX. As a credit reporting agency, they must delete and block such fraudulent account if the account was created by identity theft. I have submitted all the necessary supporting documents to them to notify them what my position is in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.
Product: Prepaid card

I called dasher direct card customer service number and told them about the unauthorized charges on my dasher direct card last month and I was told that the charges needs to be cleared before disputing it. Then I asked to speak to a supervisor over the phone cause representatives kept disconnecting the call or ending the XXXX call everytime I ask for a supervisor. I was told that there are no supervisor over the phone only via email. I emailed the supervisor the date and time XX/XX/scrub> XXXX XXXX XXXX {$10.00} XXXX {$7.00} XXXX XXXXXXXX XXXX XXXX {$5.00} XXXX {$9.00} XXXX {$20.00} XXXX XXXX {$9.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} and {$1.00} And the total was {$73.00} And I recieved an email again from dasher direct stating that the investigation is closed and no amount will be disputed and for me to call the merchants and ask for the refund. I emailed back asking for a supervisor to give me a call at my number and also o requested for the results of the investigation they did so I can check and see what location what store the time and exact date the purchase was made and also the phone number of the store. XXXX the reply I recieved was XXXX, As per our previous communication, your claim is now closed. Our specialized team has reviewed the case, and that decision is final. This is the final communication regarding this matter. 
We recommend that you immediately replace your card if you have not done so, and reach out to the merchant ( s ) to try to resolve this matter. 
Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to have XXXX XXXX XXXX  {$70.00} and SCA Collections {$51.00} removed from my XXXX and XXXX Credit Report. I am not aware of these creditors. These accounts are not my account. These XXXX accounts are affecting my XXXX XXXX. I have written to bother agencies and didn't get a response from either account. Both may be XXXX. I repeat these are not my account.
Product: Student loan

I applied for the SAVE program a while back when my husband was still employed. Since then, he lost his job and our situation has changed. I tried to see if I could get a deferment or forbearance for a little while, but their " change in household '' option doesn't mention anything about your spouse losing employment and only focuses on you. You can only choose the options they have listed and I went through all of them and don't qualify, but they said a repayment option is {$500.00} a month, what the heck. And I don't " qualify '' for a forbearance. I've been paying off my loans for over 15 years, and I know what a forbearance means and if I want to accrue interest while my husband looks for a job, I feel it should be our choice to. The options are so inflexible. Never mind that I never got a statement from NELNET, never heard anything about if my SAVE application was approved. Trying to get a hold of them is impossible. The lack of communication is maddening.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed acct listed in document.
Product: Credit card or prepaid card

Chase Bank has refused to review a multitude of evidence, including receipts, XXXX information, XXXX information, and general lack of compliance from the company in questions. Responses have been minimal. The banking team does not reach out to inform of any decision or provide updates, only to acknowledge that they are " looking into the situation '' This was reported 6 months ago, and reported before the transaction occurred. The response I received was " Sorry, they had enough information to charge you '' then silence. I filled out a XXXX  and company responded to say they would look into it, only to receive incomplete data and zero correspondence. The chase bank team then said it was worthless to fight because the company was too large. The other company has admitted fault and issue. They have not been able to provide straight data the entire time of correspondence, issuing a wide variety of excuses as to why the information did not match or simply stated " They cant find it ''. There are also noted security issues as relayed to XXXX and proper authorities. Based on correspondence it seems they are trying lose or deter my interests by prolonging the bureaucratic system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macys did XXXX hard inquiries on my credit without my approval. They have admitted they did it in error. I have asked them to remove them but they are giving me the run around. They are horrible to deal with. All calls go to the XXXX and it goes nowhere. 

Inquiry XXXX was made on XX/XX/23 Inquiry XXXX was made on XX/XX/23
Product: Credit card or prepaid card

I previously complained to the CFPB about this issue ( XXXX ) and the company has yet to contact me and they closed my complaint not researching or answering my questions. 
You commented on the additional XXXX but thats not the issue. The issue is that XXXX said the agreement was not honored as your company did not send over all the funds. Which is why I sent over a copy of the invoice that they gave me showing they only received {$50.00}. I did not end up taking this car due to the confusion with your company and theirs. Therefore I want the entire balance cleared on this card, {$190.00}. Which is the amount I paid ( supposedly paid your company ) for the car and the insurance which I didnt get or use because they said your Insurance was invalid, and the car was not paid for. Since you've taken so long to respond the bill is now due so I will pay the minimum to avoid credit issues, but this card was paid in full before this transaction, so I do expect a refund and all the interest removed as well. I will not stop complaining to the CFPB or any other agency until you make this right. I will no longer use this card or XXXX for this matter.
Product: Debt collection

On XX/XX/XXXX I submitted a complaint on XXXX XXXX XXXX ( complaint # XXXX ) stating this collection agency is not license to collect in the state of Texas. The company agreed to remove account off of all reports and they did do so. XXXX XXXX, XXXX the account was placed back onto my credit report. This company have not furnish any paperwork showing a agreement I have with them, in addition I researched and I show they are still not licensed to collect in the state of Texas.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXXXXXX XXXX XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$870.00}
Product: Credit reporting or other personal consumer reports

Recently upon checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries that I had no knowledge of. I received notification that my information was involved in a Breach from XXXX XXXX XXXX XXXXXXXX. They stated that my personal information was accessed and downloaded from the banks database and a Fileshare during periods in XXXX XXXX XX/XX/year>. According to Fair Credit reporting Act, Section 605B... It is illegal to report information on my credit report without my permission. Also Law 15 US Code 6802 states that no financial institutioin can share my non public information with a 3rd party entity. Please Remove this item from my credit report. I have once again enclosed the letter i received from XXXX XXXXXXXX XXXX XXXX  and also a FTC report.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Emergent Business Group XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Account ( XXXX ) number XXXX, XXXX, XXXX To Whom It May Concern : This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. I have attached the notice I received below. 
I am requesting validation and not simply verification of the alleged debt. Specifically, a copy of the Original Purchase Agreement, the agreement must be with the original creditor and signed by all parties involved, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry if being reported. I am disputing this debt ; you should not report it to the credit reporting agencies If you have already. 
Finally, please note that I do not wish to receive further telephone calls or letters or any form of communication, this includes contacting family members or place of employment concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : - Defamation - Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Updated information & documents. 

XXXX XXXX XXXX  XXXXComenity Bank  violated my federal rights and placed an unauthorized inquiry on my credit report. 

see attached document Comenity Bank dispute notice.
Product: Credit card

I'm not sure on dates or where or what kind of purchase. Most of the time the father of my child used my credit card on buying anything an my social to open accounts that I never knew about
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Golden 1 Credit Union regarding their continuous inaccurate reporting of an account as a charge-off and closed to XXXX and XXXX, while failing to report this information to XXXX. On XX/XX/year> I sent Golden 1 Credit Union a letter disputing the following account The Golden 1 Credit Union- ( XXXX ). Despite multiple disputes and a complaint filed with the XXXX XXXX XXXX XXXX XXXX XXXX, Golden 1 Credit Union has failed to rectify this issue, thereby violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

The inaccurate reporting of my account to only XXXX and XXXX violates FCRA 623 ( a ) ( 2 ), which requires creditors like Golden 1 Credit Union to provide accurate and complete information to all consumer reporting agencies. By selectively reporting this information to only XXXX of the XXXX major credit bureaus, Golden 1 Credit Union is in clear violation of this provision of the FCRA. 

This inaccurate reporting of my account as a charge-off and closed has had a significant negative impact on my credit standing and financial well-being. It has hindered my ability to access credit and financial opportunities, thereby impeding my financial stability.

I demand that the Consumer Financial Protection Bureau investigates this complaint and takes appropriate action to ensure that Golden 1 Credit Union complies with its obligations under the FCRA. Specifically, I request that Golden 1 Credit Union be required to correct the inaccurate reporting of my account to XXXX and provide me with a written explanation of the actions taken to address this issue within the required timeframe specified by law.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to resolve this dispute and hold Golden 1 Credit Union accountable for its failure to comply with the FCRA.
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 Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX and 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 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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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: Mortgage

In XXXX 2015, I signed papers for a Deed-In-Lieu to convey title of my property located at XXXX XXXX XXXX, XXXX, NC XXXX, to XXXX. The Junior Lien Holder is Franklin Credit Management XXXX. A check was sent to Franklin Credit as settlemnt of the Junior Lien. The check was cashed but the Lien has never been released by Franklin Credit, so that a clear title can be done. Franklin Credit continues to refuse to release the Junior Lien and so the saga continues.
Product: Checking or savings account

I received a debit card in the mail in regards to opening a checking account with Chase bank. I did not and have not attempted to open a bank account with Chase bank. I called customer service with Chase and they were able to tell me that the account was opened on XX/XX/2020 which is why they sent me a debit card for the checking account. I asked the rep if my social security number was used and he said yes, this person had access to my social security number, name, address, date of birth, everything. The bank also told me to come online and file this complaint because it would be a case where my identity has been stolen and someone trying to use my information. Once again, I did not authorize or open an account with Chase bank.