23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681 and FCRA Section 605B. After reviewing my credit report, I have found discrepancies that need to be addressed promptly.

Upon thorough examination, it has come to my attention that certain information on my credit report has been provided or obtained without my explicit written consent. According to the FCRA Section 605B, no consumer reporting agency may furnish a consumer report containing certain personal information unless the consumer has provided written consent.

I wish to emphasize that I have never provided written consent for the furnishing or obtaining of my personal information by your agency. Therefore, any information obtained or reported without my explicit written consent is in direct violation of the FCRA.

I kindly request that you investigate this matter promptly and remove any information on my credit report that has been provided or obtained without my written consent, as required by law. Additionally, I request that you provide me with a written explanation of the actions taken to rectify this issue.

Please be advised that I reserve all rights under the FCRA and any other applicable laws to seek remedies for any violations of my rights as a consumer. 

Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this dispute. 

* ITEMS THAT WERE SHARED WITHOUT MY WRITTEN CONSENT THAT I DEMAND BE REMOVED 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
Product: Mortgage

Attached is one of many, many letters I 've received encouraging me to refinancing my existing mortgage loan. I feel the letter is extremely misleading and basically nullifies all the effort the CFPB has put into ensuring mortgage customers are adequately informed of the conditions of their mortgage. I 'm sure the lender 's legal team has reviewed it for compliance but I believe it violates the intent of the disclosure laws. For example, the letter states : - You may be able to save an estimated {$110.00} per month by refinancing. It 's not until you read the fine print that you find out that : o The offer is a XXXX adjustable rate with caps of XXXX. How many people understand what this means? 
o It assumes a credit score of at least XXXX, a loan to value ratio of 60 % and debt to income ratio of no more than 43 %. 
o It assumes an existing mortgage rate of 3.950 % ( my existing mortgage has a lower rate than that ). 

- You may be able to defer your first mortgage payment saving you {$1000.00} right now. The footnote goes on to say " If your closing is timed correctly and you do n't make the payment the month you are closing, it is possible to add that interest into the new loan. '' It fails to mention that your payment on your existing loan may be delinquent and reported to a credit bureau as such. 

- We 'll waive all lender fees and provide a free appraisal for future refinances. How is a borrower to know what is a lender fee and what is n't? Furthermore, the footnote for the free appraisal says if you ever decide to refinance for any reason.. .loanDepot will waive all lender fees and reimburse appraisal fees on you refinance. '' Are they talking about this refinance or a future refinance? 
I could go on and on about the misleading letter and deceptive footnotes. Suffice it say that I 'm sick of these nationwide lenders clogging the market with this kind of XXXX. It confuses the public and, in my opinion, discourages all lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed these items listed and I don't believe a proper investigation was done. You have failed to properly investigate and remove these frivolous inquiries and have not provided validated proof of any findings that prove these inquiries was authorized by me. I request per FCRA requirements. These inquiries should be deleted immediately. I also attached a copy of the FTC report including these fraudulent inquiries.
Product: Debt collection

I received notice that the collection agency received a document for an old lease I cosigner back in XXXX. I was removed from the lease as of XX/XX/XXXX when a new company took ownership of the property. The collection agency has all of the supporting documents as well as a statement from the property manager and they still refuse to remove me from the collection. The property manager keeps sending the paperwork and the collection agency keeps saying they " never received it ''.
Product: Checking or savings account

Ive been having trouble verifying my identity on CashApp since I turned XXXX. I ended up closing the account Ive had for 4 years and made a new one, hoping that it would resolve the issue but I ran into the same problem. Contacted the customer support agent once again and complained about the problem, and got the exact same copy-and-paste response which was to use my full legal name, which Ive obviously tried hundreds of times on both accounts. I get the same error message saying something doesnt match up. Customer support is useless and never actually answers the question you ask.
Product: Debt collection

I have repeatedly asked for validation of this medical debt from both the company as well as Equifax. The company ignored my request and Equifax has repeatedly stated that they have verified that this debt between myself and XXXX XXXX is verified. Equifax has failed to send any documentation proving that this debt is mine including any information they have on me owning the debt and any and all contracts or statements. Equifax has failed to tell me how they have come to the conclusion that I owe this debt. This is in violation of the FCRA and Equifax should be held liable for defamation of my character and damages to me and my family. I demand that Equifax immediately delete this information from my credit profile as I am not liable to pay this company a debt that I do not owe them.
Product: Mortgage

My mortgage fell behind due to loss of my job in XXXX XXXX. I was provided a settlement offer on XXXX XXXX in which I wired the amount requested to reinstate within the time they had given me noting that the next regular payment would be due in XXXX. The house went into foreclosure on XXXX XXXX XXXX the letter was dated XXXX XXXX XXXX and funds of {$2000.00} were requested via wire transfer by XXXX XXXX. The funds were wired on XXXX XXXX XXXX in the amount of {$2000.00} to Round Point Mortgage Servicing Corp.  They sat on the funds until XXXX/XXXX/XXXX when the wire was transferred back into my account. In XXXX of XXXX a letter was then sent stating they put the incorrect year and amount for the reinstatement. Since then I have spent months trying to get to get this loan through mitigation and a package complete. They mail letters that take XXXX days to arrive and in XXXX the sheriffs sale notice was served. I have called in every other day since XXXX trying to get a complete package for review. My initial application was submitted on XXXX/XXXX/XXXX to Roundpoint. I have spoken with at least XXXX different reps and only twice to the rep assigned to my loan. I am now hoping that they can complete their review in time to stop the sale on my house XXXX/XXXX/XXXX. I have been in my home since XXXX and never have I ever encountered a mortgage company that could not provide service quickly and accurately. Half the time I send email and only half of a 30 page pdf is received I have resorted to adding all of the folks I have talked to plus the mitigation email address on the submission in hopes that one of them will actually process all of the paperwork. You can not get management on the phone even if you request to talk with someone. I have gotten ONE returned call out of 8 requests. My mitigation package was noted as complete finally on XXXX/XXXX/XXXX after months of re submissions and letters of explanation or reapplication due to expiration of previous application. This has and still is an ongoing nightmare and as of today XXXX/XXXX/XXXX they can not tell me if I have been approved for anything and they can not guarantee that my home will not still be sold on XXXX/XXXX/XXXX. There is no escalation process for review and I have been told that on at least a dozen occasions now by the reps at RoundPoint. Due to the systems and process that they ( RoundPoint ) have in place I fear that I will lose my home on the XXXX of XXXX and have nowhere to turn for assistance other than an attorney at this late date. I have never had anyone take this long to review and approve loan information. This is deplorable and I feel that because there is equity in my home that I am not being pushed through because they stand to make more money on a sale than I currently owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/23 I received an alert for application on credit report. I didnt apply for XXXX XXXX I only did the prequalified application which shouldnt have affect my credit score
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX ( Bank ) on XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX. XXXX XXXX ( XXXX ) on XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 5. XXXX XXXX ( XXXX ) on XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit card or prepaid card

I obtained my credit report and found a fraudulent address and account opened in my name. Chase Bank allowed a credit card to be opened in my name and is reporting negative information about the card on my credit profile. I have never used this card, did not apply for or order this card and this card was opened due to fraud. I have attached a copy of my ID, social security card, birth certificate and my lease showing where I actually live and where I lived when this card was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Expeian is illegally reporting late payments on my consumer report. I have tried over and over to get them to correct this nformation.
Product: Payday loan, title loan, or personal loan

I have a lease to own account showing on my credit report. There's only a record of an XXXX payment, when in fact I made all my payments for XXXX and XXXX as well. The way the plan works is if you pay off the balance within 90 days, you're no longer charged for the item and own it outright. I've done this. My credit report still doesn't show that the account is now paid off and the line is closed. It also still doesn't show the accurate payment history made by me. I've tried to flag this for both the credit bureaus and for the company, but to no avail.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is a federal law that governs how consumer credit information is collected, used, and shared. Section 1681b of Title 15 of the United States Code ( 15 USC 1681b ) specifically addresses permissible purposes for obtaining consumer reports. It outlines the situations in which a consumer reporting agency is allowed to provide a consumer report to someone. 

In summary, 15 USC 1681b outlines the permissible purposes for obtaining a consumer report, and it generally restricts access to consumer reports to situations where there is a legitimate need. Permissible purposes include : In response to a court order or federal grand jury subpoena. 
With the consumer 's written consent. 
For a legitimate business need in connection with a credit transaction initiated by the consumer. 
For employment purposes ( with certain restrictions and additional requirements ). 
For the underwriting of insurance. 
When there is a legitimate business need related to a transaction initiated by the consumer, such as reviewing an account or collecting a debt. 
To comply with laws, regulations, or a legitimate government need. 

The following Non-permissible inquiries are listed 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As dated XX/XX/2022, I, XXXX XXXX, Consumer, am aware that the following Consumer Reporting Agencies have willfully and knowingly broke Federal Law, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, TransUnion LLC, I am aware that XXXX XXXX XXXX XXXX CFO, XXXX XXXX XXXX XXXX CFO , XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all party ( s ) mentioned are committing FRAUD. This is a racketeering Act, these companies get paid to furnish Consumers information and trade on our name. 
All party ( s ) mentioned shall be fined and imprisoned because Ive submitted an FTC Identity Theft Report and made it very CLEAR that XXXX XXXX XXXX is committing FRAUD and yet all 3 Consumer Reporting Agencys willfully and knowingly violating the law and failed to DELETE such FRAUD account from my Consumer Report. 

All party ( s ) mentioned shall be fined for aggravated identity theft pursuant to 18 U.S. Code 1028A ( 1 ) ( 2 ) - Aggravated identity theft -and imprisoned for 5 years. 

Ive even have proof that the Consumer Reporting Agencys willfully and knowingly broke the because I sent my hand written instructions pursuant 15USC 1681b ( a ) ( 2 ) dated on XX/XX/2022, and ALL 3 Consumer Reporting Agencys did not comply with an Consumer written instructions according to the Fair Credit Reporting Act law. 

All party ( s ) mentioned shall be fined under XXXX XXXX for {$100000.00} ( Per Violation ).
Product: Checking or savings account

XXXX Wednesday XX/XX/XXXX, XXXX {$100.00} Dispute # XXXX I did NOT purchase anything from XXXX. Although, I have a transaction on my credit builder card that I did NOT make. I never got an email saying I made a purchase, nor did I receive anything from XXXX  NOR do I have a need to buy anything from them. When you make a purchase from a company, they send a receipt. Well, I don't have one because I did not make this transactions. Chime keeps asking me for proof. How can I have proof of something I DID NOT PURCHASE! a purchase I DID NOT MAKE! 

I have reached out several times for this issue to be fixed and they will not help. They are not doing their job. All they have to do is get their IT professionals and see where the purchase was made. I guarantee it was not made from my computer or phone. This is not the first time this has happened. This bank is horrible with their fraud department, and I will be switching banks as soon as I get my money back. 

There were actually two transactions back-to-back which is an obvious sign of fraud. Luckily, the second one was denied. It happened again yesterday XX/XX/22 a transaction was trying to post but luckily it was denied. 

I just want Chime to do their job, actually investigate, see that it I didn't make this purchase and give me my money back. This has taken up so much of my time and I want it to be over!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested validation from all three credit bureaus regarding the information on this account. The only information sent to me is a copy of a bill. That is not accurate validation. There are also discrepancies on the opening date and date of delinquency between the three credit bureaus.
Product: Credit card

i was in the hospital with a XXXX XXXX i am on several medications and i was given many tests i am not doing well i can not handle the stress of this debt
Product: Credit reporting or other personal consumer reports

" I'm XXXX  about my collection account because it feels like it's weighing on my financial stability and causing a lot of anxiety. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else XXXX dealing with right now. ''
Product: Debt collection

This account is fraudulent and the company refuse to remove the account due to identity theft. Someone went to the XXXX under my name and created a debt.
Product: Debt collection

This company contacted me stating that I owed a debt to XXXX XXXX. I immediately advised them that I disputed the validity of the debt and asked for their documentation to support the claim. They sent a single-line spreadsheet with almost no information, no letterhead or other identifying information ( document is attached to this complaint submission ). The document further did not validate the debt. I then requested a debt validation claim under XXXX. The collection company never sent any additional information, but reported the debt to the credit bureaus. I contacted them and asked for the debt validation information, and they sent me the same document but no additional information. They stated they would remove the collection from my credit report only if I paid the debt in full.
Product: Debt collection

XX/XX/XXXX XXXX XXXX has hired Radius Global Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX to collect on my debt of XXXX. 

I am not disputing the amount owed or any interest owed to XXXX XXXX. I have been discussing my account with XXXX XXXX, and trying to work out a reasonable solution. 

I was receiving many phone calls at work and I did not want to discuss my personal business on the phone. 

Radius Global Solutions did an area search of all my neighbors and reached out to a retired Sheriff and asked them to reach me for a personal business matter - which means to anyone including a Sheriff its a debt collector. This neighbor has nothing to do with my family and should not be exposed to my personal information. 

When I complained to Radius Global Solutions - the response was they will remove the number and add it to a do not call list. They told me it was in my contact list in my XXXX XXXX Profile. This does not make sense, I never created a contact number in my XXXX XXXX profile for this neighbor, which does not share our family name. So Radius Global Solutions lied to me knowingly breaking the law on sharing personal information on a US consumer. 

I clearly understand the motive and I understand the job of a debt collector, it is the blatant abuse of a person in debt like me from firms like Radiant Global Solutions that must stop. 

The tactic being used is to embarrass and humiliate the debtor to submission. I was always in contact with XXXX XXXX and I intend to make good on my debt. 

Radius Global Solutions intentionally contacted my neighbor to create a atmosphere of guilt and shame and purposely reached out to a local law enforcement officer ( Retired ) to make sure I would be compelled to call them and make a deal to pay this debt. 

This is unacceptable and illegal. I have been an XXXX XXXX XXXX holder since XX/XX/XXXX and now because of temporary hardship issues I must make a different payment arrangements to make good on this debt. 

XXXX XXXX is a great company and I want to pay this debt in full, I am sorry that I can not pay the debt today, I just do not want to be ridiculed and embarrassed in my own home town.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to get into my Experian account for several months. This is critically important because I need to add a security freeze after someone fraudulently filed an unemployment comp claim using credentials exposed in a data breach. 

It appears that I set up an Experian account with them more than 5 years and before the days of two factor authentication. 

Since the account was set up, we moved and no longer have the land-line phone attached to my Experian account. 

I no longer have the password to my Experian account, but I can't recover it because Experian insists on sending a text code to the now disconnected land line. No alternatives for trying to recover the password online work. 

I've tried numerous times to get a way to recover the account, including calling them. The phone lines branch to directions to make the change on the website which, of course, only works if you can actually log in - which I can't.
Product: Credit card

On XX/XX/2023, the company XXXX XXXX XXXX came out and did a demonstration. I liked what they had to say so I said I would purchase the product. The agreement was laid out stating that if my credit was good, I could qualify for 0 % interest over 60 months, which I qualified for. The agreement states that all work will be done by said contractor and payment will be made to said contractor. I signed the agreement and was told that there was an opening for installation in three days. I agreed. The total bill came to {$5900.00}. I received an email from Wells Fargo saying congratulations on your new credit card. I called them immediately because I thought someone had fraudulently opened a card in my name. They told me it was done through XXXX and the line of credit was {$6600.00}. I told Wells Fargo that I did not authorize a line of credit and had them cancel the card, however it did not cancel the amount owed. I contacted XXXX XXXX and explained to them that I did not authorize a line of credit through Wells Fargo and they told me that I sighned the contract ( Agreement ) authorizing the charge. I explained that I would not have authorized a line of credit because my husband and I are trying to open our own business and a line of credit could have us denied the loan from the bank. They said because I signed the contract there was nothing I could do. I have contacted a lawyer for legal advice. There is no contract between myself and Wells Fargo. I did not authorize Wells Fargo to open a credit card or line of credit, and I did not authorize XXXX XXXXXXXX to open a credit card in my name. I never talked to Wells Fargo regarding this line of credit prior to it being opened. It was never disclosed to me that Wells Fargo would be opening a line of credit/credit card. Now I am stuck paying for a line of credit for {$5900.00}, and if I do not pay it, it will affect my credit score and any possibility of getting a loan to open our own business.