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

My social security number was compromised in XXXXXX/XX/XXXX. I only found out when I received a phone call from a collection agency demanding a payment of {$1000.00} to XXXX. I have been going back and forth with XXXX for OVER A YEAR, submitting ALL documents they have requested, contacting all credit bureaus, etc. The credit bureaus have informed me that they have never received anything from XXXX saying that this was fraud, but I have a letter from XX/XX/XXXX, from XXXX stating that they have sent a letter to the credit bureaus and to wait 90 days for the removal. It is now XX/XX/XXXX. There is a hard inquiry on my XXXX report that was NEVER authorized ... XXXX also opened an account with my social security number, under the name XXXX XXXX, which is NOT my name. My name is XXXX XXXX. The account number is XXXX. I have sent them a notarized packet that shows my address, which was not where the orders were made, at the time, as well as my driver 's license, a copy of my ss card ( with the numbers except the last 4 blacked out ) a FTC report, and their own packet that they 've requested. I 've also sent them a copy of my credit report where it shows that hard inquiry still exists. I even filed a police report, and gave the police officer the name, address and phone number of the suspected person, and even HE did n't care to do anything. This has been going on for OVER A YEAR. If this does not get cleared up within the 15 days that CFPB says to allow, I will be contacting their legal department.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed an XXXXXXXX XXXX account XXXX with Equifax many time yet all XXXX XXXX  have to do is just respond accurate ... .they failed to follow the law ... XXXXXXXX XXXX  have no Proof or contract under my name baring my signature ... .I have flie a police report, i have reported the account to the Federal trade Commision, and the Consumer Financial Protection Bureau . yet Equifax is the only credit bureau still have this account on my file, XXXX and XXXX have deleted the XXXX XXXX as Fraudulent account. yet equifax refuse to follow the law ....
Product: Credit reporting

I do n't owe any money to XXXX for XXXX {$.00} this information is not accrete please take this out from my Credit Score ASAP Thanks
Product: Credit reporting or other personal consumer reports

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX  XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau XXXX, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX  XXXX. 

Upon information and belief, XXXX  XXXX received notification of my credit bureau dispute. XXXX XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX  XXXX Account. 

Upon information and belief, XXXX  XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX  XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX  XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX XXXX rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX  XXXX Accounts to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Mortgage

Quicken loans VA XXXX. 
This company has a XXXX deposit ( unlike any of the other 1000 's  of mortgage companies. The policy in itself is not inline with VA standards. VA streamlines or for the veteran NOT for some huge company to save money. I made the stupid deposit with this company on end of business Friday XX/XX/XXXX. I emailed to have my loan application withdrawn and deposit refunded on Monday XX/XX/XXXX ( less than one business day ). I told them in the email I would pay the XXXX for their credit check ( no one else charges this either ) but that there was no way an appraisal was done in less than a business day. On Friday XX/XX/XXXX Quicken sent me a notification that the appraisal was done. I sent them another email with my previous email asking for it to be withdrawn. They just keep going and attempting to charge me. I filed a dispute with my credit card company which is a XXXX and I highly doubt they will let this kind of behavior go through. However, the VA and CFPD have some level of obligation to ensure these sort of practices are not being used on Veterans ( normal people too ). I am a XXXX XXXX XXXX XXXX XXXX veteran, attempting to use a benefit while this company reaps massive amounts off of veterans. This kind of behavior should be nipped, they have plenty of complain ts regarding this same behavior. Why is the VA still certifying them to do business with us?
Product: Mortgage

I am writing to request assistance in removing the Private Mortgage Insurance ( PMI ) requirement from my mortgage loan. My loan servicer is Select portfolio servicing llc, and my mortgage loan number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing this letter to formally lodge a complaint regarding the credit report I received from MicroBilt Consumer Services. Upon reviewing the report, I discovered a severe violation of the Fair Credit Reporting Act ( FCRA ) that has caused significant concern and distress. 

On [ Date of Receipt of Credit Report ], I received a credit report addressed to me, XXXX XXXX. However, to my utmost surprise, the credit report included an attached file that did not belong to me. The attached report pertained to another individual, XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. Furthermore, the credit report included the last four digits of XXXX XXXX 's Social Security Number, which are XXXX. 

This blatant mix-up raises serious concerns about the accuracy and integrity of the credit reporting process carried out by MicroBilt Consumer Services . Not only is this a clear violation of my privacy rights, but it also signifies a breach of the FCRA regulations. As a consumer, I have the right to expect accurate and confidential handling of my personal information. 

According to Section 1681 ( c ) ( b ) ( 1 ) of the FCRA, credit reporting agencies are required to provide fair and accurate credit reports to consumers. This means guaranteeing the accuracy of the information being reported and preventing the inclusion of inaccurate or irrelevant data in the credit reports. Additionally, Section 1681 ( e ) ( b ) states that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning individuals. 

MicroBilt 's failure to exercise due diligence in maintaining the accuracy and privacy of consumer credit reports, as evidenced by the attached report and personal information of another individual, directly violates the FCRA guidelines. This incident has caused me significant distress and anxiety, as my personal information has been exposed to an unrelated party without my consent. 

I request that you take immediate action to rectify this situation and provide a detailed explanation of the cause of this error. Furthermore, I insist that you take the necessary steps to ensure the removal of XXXX XXXX 's credit report and any associated information from my credit file. 

Please note that I am well within my rights to pursue legal actions if this matter is not resolved promptly and effectively in accordance with the FCRA regulations. I trust that you will handle this complaint with the seriousness it deserves and take all measures necessary to rectify this violation and prevent such incidents from occurring in the future. 

I kindly request a written response within 30 days of the receipt of this letter, confirming the actions taken to address this issue, along with any corrections made to my credit report. Please send all correspondences to the address mentioned above. 

Thank you for your attention to this urgent matter. I anticipate your immediate action and a resolution to this violation of my rights and privacy.
Product: Debt collection

I did not receive a notice of my right to dispute this debt, and no information has been provided to verify that this debt actually belongs to me. 

To ensure that this debt is valid and does indeed belong to me, I am requesting that you provide proof of an agreement, including a copy of a document bearing my handwritten signature. Without this verification, I believe that this debt has been reported in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone applied for loans from XXXX XXXX XXXX and XXXX XXXX  DBA XXXX XXXX. Now there are a total of 4 hard inquiries on my credit report that need to be removed.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXXXXXX XXXX XXXX TBOM/CONFIN XXXX CB XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

I worked closely with a representative to get my home funds up to par and when I finally did Noone could connect me with her. I was able to pay and when I had a lump sum I was told that wasn't good enough. I sent in payment and it was sent back stating I couldn't pay any amount towards my payment unless it was full
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was paid off to XXXX XXXX back in 1990 over 30 years and they have sold it to several lenders advising them an incorrect amount. In my loan was only for XXXX and sold for XXXX in interest to Navient. I need off my credit and interest forgiven. Please assist and have removed from my credit. Thanks!
Product: Mortgage

I was paying CitiMortgage via a Biweekly Advantage plan where I made a partial payment every other week. This program got cancelled. I wanted to continue to pay bi-weekly but I am being told that in order for me to do so, I must call CitiMortgage Customer Service after my second payment for the month and ask them to combine my first and second payment into one payment so that my payment status will change to paid in full and no late fees or other penalties will be assessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. He was notified that someone used his information without his consent to apply for credit cards. Those application resulted in inquiries on his credit reports that the credit was notified were fraudulent related. A formal dispute of the application and inquires made was submitted to DSNB/Bloomingdale 's however there has been no response from DSNB concerning correcting this issue.
Product: Credit reporting

I am unable to change my address and phone number on credit report, nor will TransUnion provide access. 
My address is wrong as well as my number. I have been denied auto loan and rental application due to this. 

XXXX Texas XXXX XXXX home phone XXXX Work
Product: Mortgage

XXXX XXXXXXXX XXXX XXXX I had an accident at work and was unsure of when I would be able to return as I waited for XXXX To protect ourselves we made several ( recorded ) phone calls bi-weekly to XXXX XXXX to guide us in making the proper decision as far as our mortgage is concerned. We were informed that a Moratorium would be the best solution to protect us, our credit and our home. This decision was made from the information XXXX provided us. We were never informed that we would be reported to the credit bureaus the day after the XXXX ended. The response that we received was that we should have looked in the VA circular for those answers. Is this how XXXX treats their veterans? I am aware that the FCRA requires accurate and complete reporting of credit information but, the FCRA XXXX mandate that it is reported the next day. The only reason we found this out is that we were attempting to get preapproved for a new loan as this house was being listed to sell. This not only hurt us but XXXX as well because we can not sell this house now with such a negative impact on our credit score. XXXX response after listening to the phone calls, while we didn't tell you that you would be reported, you should have read the XXXX  XXXX, referencing XXXX XXXX XXXXXXXX and XXXX. Nowhere in these circulars does it state that you will be reported to the credit bureaus the minute that it ends. Circular XXXX section 4 encourages servicers to offer reasonable solutions to resolve the delinquency. This was not attempted in any shape or form. Section 5 also states that to avoid damaging the credit of veterans, servers are encouraged to avoid negative credit reporting. This could have been done with a simple phone call. XXXX made no attempt to collect this outstanding balance before reporting. On XX/XX/XXXX I paid the full amount of XXXX only because I found out on my own. No reasonable attempt was made to collect this debt. As you can clearly see we have never missed or made a late payment since the inception of our loan as we value our credit score. We certainly would have made other arrangements had we been given the proper information. In turn XXXX knee jerk decision has created a financial turmoil that will take years to overcome.
Product: Bank account or service

I was given a fraudulent check through a person i met through XXXX. I deposited the check through my bank account via Bank Of America, they took a day to process, which was approved. so i proceeded to do as the person asked which was to pay bills, and two days later Bank of America decided that the check was apart of a fraud. They did not warn me or approach me of the activity going on instead i had to find out myself. they are unwilling to work with my situation of unknowingly depositing a fraudulent check. yet even then they still approved a bad check, and two days later decide that it is n't what they thought. i have never heard of a bank having a policy in this sort, instead i have known of banks not allowing right away for a fraudulent check to be approved.
Product: Credit reporting or other personal consumer reports

I have filed a dispute on three different accounts that do not belong to me. I have told them I have no knowledge of the accounts and they left the accounts unresolved. I do not have a car through XXXX XXXX XXXX XXXX, I never served in the military and no one in my immediate family has not served. I let them know and filed the dispute but they told me it stays. There is also an apartment complex on there that does belong to me. I only have one apartment that is a landlord debt, I explained it to them and they still kept the other one on it. I really need some help with regulating this.
Product: Credit reporting, credit repair services, or other personal consumer reports

When l checked my XXXX, XXXX and XXXX, l realized that ; CAPITAL ONE reported an inquiry to 3 of the bureaus on XX/XX/2018 which l have no idea about.
Product: Mortgage

I am writing to report significant mortgage fraud identified through a forensic audit of my home mortgage. The audit revealed that my mortgage note was improperly securitized and sold to investors, resulting in the unlawful separation of the note and deed of trust. This separation has created legal uncertainties and potential fraud, making it unclear who has the legal standing to enforce the loan and initiate foreclosure. The audit also uncovered that the mortgage note was turned into a security without proper documentation and transparency, violating multiple federal and state laws, including the Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), and relevant provisions under the Uniform Commercial Code ( UCC ). 

I request your immediate investigation into these fraudulent practices, which have jeopardized my financial stability and legal rights as a homeowner. The actions of the involved parties, including the lender, servicer, and securitization entities, have likely violated regulations set forth by the Consumer Financial Protection Bureau ( CFPB ), Office of the Comptroller of the Currency ( OCC ), and state-specific laws. I seek restitution for the financial harm caused and enforcement of legal penalties against the responsible parties to prevent further abuse of the mortgage securitization process. Thank you for your prompt attention to this matter.
Product: Credit card

I have submitted documents required of me from Sears Credit card company XXXX times and they continue to asked me for the same identifying documents in order to issue me a replacement card. My wife is XXXX XXXX and we got XXXX. Currently, I own nothing on this card but they owe me over {$200.00} as credit on this account. All I need is a replacement card or what they owe me. Please help me. Thanks.
Product: Mortgage

I applied for refinancing with AmeriSave Mortgage Corp., which offered to me very low refinancing rate. But they did not disclose to me that their refinancing fee is {$31000.00} until after I allowed AmeriSave Mortgage Corp. to put a hard inquiry into my credit report and agreed to work with them. Not disclosing all the fees prior to putting a hard inquiry into one 's credit report is a deceiving practice which also negatively affects client 's credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Now I dont know what I am supposed to do but I am a XXXX XXXX XXXX  that had the wrong XXXX XXXX XXXX when I was XXXX but I cant rent anything not even from rent a center, an old friend of mines used my social and now me being a XXXX XXXX with no family or people that will lend a helping hand given to me. i work hard for every XXXX I get but I cant do nothing to help myself, I am suffering the only thing I have ever been able to get on my credit is XXXX XXXX XXXX XXXX, in XXXX, then years later I go and check and it is all kinds if loans and things that if myself would jave applied for I would get denied. Im so XXXX of this Im almost homeless now. And I cant even borrow XXXX dollars, im tired and im at my wits end. i need help a new start everything is so hard for me and I am just sitting here watching everyone, happy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter on XXXX XX/XX/XXXX to XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the Experian Dispute Department. The letter said, " This account is past the statute of limitations for the state of Florida. Delete this account immediately. If this account is not deleted please sent me foreclosure documents to include a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my complete payment history, send my balance history, send any insurance accounts, send my interest rate disclosures, and send my payoff disclosures. This account is past the statute of limitations for the state of Florida. Delete this account immediately ''. 

I also wrote a letter on XXXX XX/XX/XXXX to XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the Experian Dispute Department. The letter said, Date last active with XXXX  shows XXXX XX/XX/XXXX, and Experian shows date last active as XXXX XX/XX/XXXX. XXXX  shows XXXX late for XX/XX/XXXX, and Experian shows this paid on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Update this account to paid on time for XX/XX/XXXX through XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized this charge. This company calls me non-stop for a bill I do not owe. I have requested proof that I owe this bill and they refuse to provide it.
Product: Credit reporting or other personal consumer reports

I would like to complain about these derogatory accounts that you have furnished on my credit report without my permission. This unauthorized disclosure represents a clear violation of my consumer rights under the Fair Credit Reporting Act.
Product: Credit card or prepaid card

-citibank offered {$1500.00} if I deposit {$200000.00} for 60 days -on day 63, I contacted them -they said, they need 90 days to provide the award I am sorry, but I am not supposed to wait 90 days to get a promotional offer for which the trigger was 60 days. On day 61, the funds should appear, full stop. anything short of that is an active effort to not provide the promotional offer to someone who has qualified also, expecting a consumer to do further work to obtain the promotional offer is unfair and deceptive, and takes valuable time away from me chasing down the promotion I should've been provided in a fully automated fashion
Product: Credit reporting or other personal consumer reports

I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX