23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2019 contacted lender recommended/provided by my current mortgage servicing company to inquire about the FHA Streamline Refinance and decided to apply. 

XX/XX/2019 Signed/Returned First Interest Rate Lock Agreement with Freedom Mortgage from 4.50 % to 4 %. Mortgage Processor XXXX XXXX. 

XXXX XXXX, 2019 Provided additional information as requested. 

XXXX XXXX, 2019 Scheduled call Appointment with XXXX XXXX to finalize documents, at her request for XXXX XXXX, 2019 at XXXX. She never did call so I sent her a text message to see what was going on. 

XXXX XXXX, 2019 Email from XXXX XXXX my Mortgage Processor is XXXX XXXX. 

XXXX XXXX, 2019 Contacted current mortgage servicing company, XXXX to express my concerns of being handed down from processor to processor and not getting anyone to call/text me status of my refinance request. They connected me with the first person I originally spoke with, XXXX XXXX. When he called me back I told him of my frustrations with the company and for my troubles I now wanted the current listed refinance rate of 3.50 %. After speaking with his supervisor I was granted the 3.50 %. 

XXXX XXXX, 2019 Signed/Returned New Interest Rate Lock Agreement - Expires XX/XX/2019. 

XXXX XXXX, 2019 Email from XXXX XXXX - My new Mortgage Processor is XXXX XXXX. 

XXXX XXXX, 2019 Emailed XXXX XXXX for status of refinance. 

XXXX XXXX, 2019 Email from XXXX XXXX - My loan has been reassigned to XXXX XXXX. 

XXXX XXXX, 2019 Emailed XXXX XXXX copy of same email sent to XXXX XXXX for status of refinance. No response. 

XXXX XXXX, 2019 Called XXXX again for assistance due to Freedom Mortgage not responding to me by phone/text. This time I was told I had to take it up with Freedom Mortgage and called the number they gave me. The receptionist assured me she would get in touch with XXXX XXXX who was currently out of his office ( she further stated we work in the same building ). Paid current Mortgage online. 

XXXX XXXX, 2019 contacted HUD about filing a complaint and obtaining a list of approved lenders in my area in hopes of finding a professional and responsive lender to work with so that I can proceed with my streamline refinance XXXX XXXX, 2019 XXXX XXXX ET still no call/text from Freedom Mortgage.
Product: Credit card or prepaid card

Equifax credit solutions is holding a fraudulent credit card on my credit report. This happened over 8 years ago and aren't complying with FAIR CREDIT REPORTING AGENCIES LAWS AND SPECIAL SECTIONS.

My USAA CREDIT CARD WAS SENT TO " WHO KNOWS '' complete fraudulent person and I saw that I was robbed XXXX $ in 3 weeks. They have payments for fraudulent card on still good card and is messing my credit so much that it is putting my life in XXXX. So one card is fraud and second usaa card dates were put on wrong card. So fraudulent card should by year 's be off my report and the late payments should be off other card.
Product: Student loan

I attended a XXXX school called XXXX XXXX XXXX. I finished in XXXX of XXXX and the school closed it 's doors and revoked any availability of support promised at the time I signed my school contract. They took 3 months to find my externship and I did n't perform any of my skills from school at the externship. I was n't hireable. After spending {$10000.00} and earning a XXXX G.P.A. I could n't pass the XXXX skills test the same month I graduated. I have applied to ACS 's program to eradicate XXXX Colleges student debt, but was refused since I finished the program despite clear language in Section 6 " Terms and Conditions for Loan Discharge Based on School Closure '' of the application that states if withdrawl was XXXX after closure exceptional circumstances related to the closing of the school closing could justify and extension of the 120 day period that include but are not limited to : loss of accreditation, discontinuation of the majority of the schools programs, action by the state to revoke the closed school 's license to operate, or a finding by the government that the closed school violated State or Federal law. My experience at this school falls under all of these included but not limited to examples in the application. They closed due to a law suit that caused them to have their permissions to teach revoked until they re-organized as XXXX. I provided supporting documentation from reputable sites like XXXX and XXXX of the school closures associated with XXXX XXXX XXXX. They state XXXX became XXXX in XXXX. I attended XXXX XXXX XXXX which became XXXX in XXXX of XXXX. I don no know when they actually closed their doors, that is up for speculation. They avoid and do not acknowledge that fact they are denying my request based on institutions that have NOTHING to do with myself or my Federal loans. I was told by XXXX how to complete the application due to my situation. Please see the XXXX page attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Executed on ( XX/XX/XXXX ). 
XXXX, Executed on ( XX/XX/XXXX ). 
Experian and Executed ( XX/XX/XXXX ) XXXX were fowarded XXXX OF VERIFICATION & DISPUTE AS UNSWORN DECLARATION to remove the Reported Consumer Report Debt Collections from their records being in direct violation of the Consumers Privacy Rights. Experian, XXXX XXXX XXXX are " financial Institutions '' Section 6809 of title 15 defines financial institution as. any institution the business of which is engaging in financial activities as described in section 1843 ( k ) ( 4 ) of title 12 in turn defines activities that are financial in nature to include [ e ] ngaging in any activity that the [ Federal Reserve ] Board has determined, by order or regulation that is in effect on XXXX XXXX, to be so closely related to banking or managing or controlling banks as to be a proper incident thereto ( subject to the same terms and conditions contained in such order or regulation, unless modified by the Board ). On XXXX XXXX, the Federal Reserve Board promulgated a regulation, still in effect on XXXX XXXX, which expressly identifies as among activities..so closely related to banking or managing or controlling banks to be a proper incident thereto those activities that are usual in connection with making, acquiring, brokering or servicing loans or other extensions of credit, including : Credit reporting services. Maintaining information related to the credit history of consumers and providing the information to a credit grantor who is considering a borrowers application for credit or who has extended credit to the borrower. 

Banking holding Companies and Change in Bank Control ( Regulation Y ), 62 Fed.Reg. 9290,9329 ( 1997 ) ( codified at 12 C.F.R. sec. 225.28 ( b ) ( 2 ) ( v ) ). Because the Federal Reserve Boards regulation characterizes credit bureau services as so closely related to banking or managing or controlling banks as to be a proper incident thereto, FTC permissibly determines that XXXX, EXPERIAN XXXX XXXX provides such services and comes within the Gramm-Leach-Bliley Act GLBAs definition of a financial institution and is therefore subject to its rulemaking authority under 15 U.S.C. 6804 ( a ) ( 1 ). See Transunion LLC v. Federal Trade Commision 295 F.3d 42 ( D.C. Cir. 2002 ). 





XXXX, Experian XXXX XXXX were informed and became aware that the information provided within the consumers report is inaccurate and false information and by XXXX, Experian XXXX XXXX inactions rendered to violating The Gramm-Leach-Bliley Act by XXXX being a financial institution of not having provide the consumer a CLEAR & CONSPICUOUS disclosure to such consumer, in writing or in electronic form or other form disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 therefore must permanently delete any and all data related to the Consumer to avoid liability and criminal charges with prejudice.
Product: Checking or savings account

My social security number and date of birth has has been exposed I do not have a Bank of America account and XXXX  XXXX
Product: Credit card

On Wednesday XX/XX/2023 at approximately XXXX Arizona time I chatted through my Apple Card Wallet App on my XXXX ( there is a chat feature there ) to " XXXX XXXX and politely explained that I want to close my Apple Card aka Goldman Sachs credit card and want confirmation sent to me. I previously asked them to lower my rate on numerous occasions and they repeatedly and abruptly refused. In addition, to earn the " cash rewards '' called " XXXX XXXX '' they require you to open up a separate account to actually get the rewards, instead of just mailing you a check or transferring it to your own bank account. But mostly I just wanted to close my account and be done with the XXXX Credit Card and Goldman Sachs. After several minutes of chatting and sharing all of this information, XXXX said he is unable to close my account and needs to transfer me to a supervisor. I feel Apple Card and Goldman Sachs purposely make it difficult for consumers to close their accounts so they can figure out a way to continue to charge interest and fees to them. They also make it difficult to remove the Apple Card from various accounts including XXXX : I have tried deleting my Apple Card from the XXXX app without any success. On top of that, I feel they are doing a " bait and switch '' by not allowing customers to access the " 3 % cash rewards '' they promise you when you use their card. Mostly I just want this account closed " at consumer 's request '' so it reflects correctly on my credit card. I do not want to be sold why I need to keep my Apple Card aka Goldman Sachs card and be coerced into paying almost 30 % interest. This company should not be allowed to do credit card business in the state of Arizona or anywhere in the United States. I know Goldman Sachs is a rich huge company but their behavior should be illegal. Thank you.
Product: Credit reporting or other personal consumer reports

Incorrect Credit Reporting which provided inaccurate credit information, leading to wrongful denials of credit or unfavorable loan terms. 
Failure to Correct Errors XXXX did not adequately investigate disputes regarding inaccuracies in credit reports, violating the Fair Credit Reporting Act ( FCRA ). 
As A XXXX  Customer Im Aware of the data breaches that compromised sensitive consumer information, which raising my concerns about their data security practices. 
misleading advertising or practices related to their credit monitoring and identity theft protection services.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Collection/Charge Off XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX  Credit XXXX XX/XX/2024 XXXX XXXX XXXX XXXX  Credit Cards XX/XX/2024 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$680.00} ; XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ;
Product: Debt collection

Hello, I have contacted AFNI ( collection company to validate a debt that is not mine, I sent this letter via certified mail in which they returned a bill from XXXX XXXX under the name XXXX XXXX, XXXX is my middle name but this debt is not mine. I requested AFNI to validate is information in which they refuse. I have disputed the information with all XXXX of the credit company 's in return they said debt has been validated. I never signed up for any XXXX account and I am being refused validation of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters out to XXXX regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

In XX/XX/2021, I noticed that an account with XXXX XXXX XXXX  was reporting on my credit report. I immediately contacted the credit bureaus to understand how and why this account was on my credit profile. However, to no avail, despite the evidence and written attempts expressing that his account was not mine and that this is a sign of identity theft. I was told that the account was accurate and verified and that I would have to take it up with XXXX. After almost eight months, of informing XXXX that this account is not mine and that someone used my identity to open this account. XXXX continues to report this account to the credit bureaus and refuses to have the account removed from my account. As of today, the account is reporting as a charge-off and affecting my credit score dramatically.

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting or other personal consumer reports

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported.I have fully investigated my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent, credit worthy individuals by reporting erroneous and inaccurate information. Under the Fair Credit Reporting Act, the following applies to me : FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( A ) In general. The XXXX banking agencies, the National Credit Union Administration, and the Commission shall jointly prescribe regulations that shall identify the circumstances under which a furnisher shall be required to re-investigate a dispute concerning the accuracy of information contained in a consumer report on the consumer, based on a direct request of a consumer. 
Please update to paid as agreed 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 the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX Account # : XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$460.00} XXXX XXXX Account # : Balance : {$170.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : ROGERSHOLLD Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Checking or savings account

CASHAPP Called cashapp customer service on XX/XX/XXXX  at XXXX to recieve additional help from customer service representative and they concluded that they could not provide access due to security reasons and yet I provided everything they requested such as the email I used and confirmation codes being sent to both the phone number and email I had on file. Just want to have access again to get my money back because it was my hard earned income. I don't understand why when I can provide additional documentations such as Driver License and still have access to ID.me so verifying is not a problem.
Product: Credit reporting or other personal consumer reports

There are multiple fraudulent and unauthorized inquiries on 2 of the credit bureaus. I sent certified letter to remove XX/XX/year> and the company refuses to remove them
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 use 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years. 

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has some reasonable cost to believe that the information is inaccurate.
Product: Vehicle loan or lease

I submitted a payment via XXXX XXXX at XXXX on XX/XX/XXXX, that was intended as a principal only payment. Santander applied {$120.00} to interest and {$270.00} to fees. I have no issue with the amount applied to interest ; however, I requested the {$270.00} to be applied to the principal balance or to the next payment but they refused. 

I am aware of the unlawful repossession fees they charged to me on the loan. I spoke with someone regarding a payment arrangement that was accepted and they repossessed the vehicle anyway. When I advised they could keep the vehicle, they gave the vehicle back for the same amount of the agreed-upon payment arrangement. This was in XXXX or XXXX and these fees have been on the account since that time and can remain there until the end of the loan. Please see the attached transaction history.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY XXXX REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY TRANSUNION, XXXX, AND XXXX REPORT. MY INFORMATION WAS BREACHED VIA XXXX BREACHES, TRANSUNION BREACHES, AND ALSO XXXX. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} Date Opened XXXX XXXX portfolio recovery {$440.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$740.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$850.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX {$1100.00} Date Opened XX/XX/XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX XXXX {$0.00} Date Opened XX/XX/XXXX XXXX {$0.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didn't get a response within 30 days and you all are required by law to do so. Please investigate my disputes, please. Thank you.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information that is found to be opened due to identity theft. 
XXXX  XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXX XXXX XXXXXXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX