23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2021, a barrage of calls from mortgage lenders followed the instant I researched mortgage refinance rates online. The loan office from Loan Depot offered me an attractive rate. He had me sign a " rate lock agreement '' and guided me through signing the ease docs. He advised me to promptly submit supportive financial documents. He conveyed a sense of urgency to close the refinance before the " rate lock '' expired. 

The cold calls from lenders persisted the following day. One of them urged me to review the " rate lock agreement '' with Loan Depot, after mentioning " predatory lending practices ''. To my dismay, I saw an X in the box next to a clause stating I chose " a floating rate option '' in the " rate lock agreement ' '' Loan Depot 's agent pressed me to sign. Upon finding it, my trust dissolved, and I immediately messaged Loan Depot that I had reservations about pursuing the loan. I cited unexpected loan costs ( also true ), rather than create antagonism by accusing the loan officer of lying. 

I signed no further documents from Loan Depot. I wad taken aback when an appraisor contacted me on order from Loan Depot. I had not signed any authorization for this. I decline the appraisal and explained why. Two weeks later, right after agreeing to an appraisal order from my current lender, I was notified of a {$620.00} charge on my XXXX card by XXXX XXXX XXXX. Their efficiency impressed me! Not an hour later, their appraisal contacted me to set the appointment. Five days later, on XX/XX/2021, an appraisor contacted me to set up an appointment. Confusion ensued. I contacted XXXX XXXX and learned that Loan Depot issued a 2nd order for an appraisal without my approval! 

On XX/XX/2021, emailed Loan Depot to express my dismay and to re-state I was NOT pursuing refinance through them. They must have had some awareness that we did not have an agreement because they sent me three separate official Loan Estimates I did NOT sign. They sent me unsolicited official closing documents I did NOT sign. 

Yesterday, in the mail, I received a Adverse Action Notification from Loan Depot. It states that the mortgage refinance I has NOT PURSUED WITH LOAN DEPOT was declined because the collateral I DID NOT SUBMIT was inadequate. 

The adverse action notice states that Loan Depot has the right share my personal information with their affiliates without my consent -- but it won't impact my credit score. 

The Loan Depot agents perpetrated fraud, pursuing a contract without my consent. Their fraudulent actions expose me to financial harm. 

Besides " inadequate collateral '', Loan Depot stated their decision was based on information from another financial affiliate, not a credit agency. I suspect it was a competitor who pursued me relentlessly. When I decline his offer, he became irate and unprofessional, insulting me, and harrassing me with relentless texts and phone calls. 

I have documents supporting my statements. When I attempted to upload them, the report of my experience disappeared. I don't want to have to re-wrtie this again. I'll be happy to corroborate this narrative upon request.
Product: Credit reporting or other personal consumer reports

I am refilling this complaint to TRANSUNION with file number XXXX for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX  XXXX - XXXX Unknown - XXXX
Product: Credit reporting or other personal consumer reports

A credit card account was opened in my name in XXXX  without my consent or authorization. At the time of the theft I rarely reviewed my credit reports. It was almost a year before I found out because the perpetrator was paying on the account. Once I became aware I contacted XXXX and the credit bureaus to dispute the account. Experian has been stalling by requesting additional information that has already been sent. Every time they asked I sent but yet they refuse to block the damaging account. They are in violation of the FCRA by not following the law set aside for victims like me. All I ask is for them to follow the law. Experian is not doing their job correctly and continues to report and collect on a fraudulent account that I'm not liable for.
Product: Credit reporting

I went to the free sight for getting my annual report. After entering all info and gaining access to the page beginning process I checked all XXXX reporting companies. I went to my first company XXXX and was given access to my report. After perusing the different accounts and saving and printing the report, I then clicked " CREDIT SCORE ''. There was nothing on this page. 
My second Company EXPERIAN showed me the following : " WE CAN NOT DISPLAY YOUR REPORT ONLINE ''. o further explanation was given. I was able to purchase the credit score by joining Experien for {$1.00}. I then got the score but had to cancel my membership within 7 days or be charged the full membership which would be automatically renewed every year until i cancelled. I, of course immediately cancelled. The 3rd company, XXXX, was the worse. They simply responded, after my entering pages of questions, that " WE CAN NOT DISPLAY YOUR REPORT ONLINE '' .No other offers or explanations were given.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have submitted dispute for one of the inaccurate accounts on my credit reports. I did request all the information about account and XXXX hasnt provided them to me. I want them to provide all information as a proof that account is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Third attempt to rectify this error on my credit report on or around XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2019. A dispute was sent via mailed regarding these items listed below yet these accounts remain as valid, this must be an error within your organization, as these items should not be on my credit profile. your organization said that it was verified these information
Product: Vehicle loan or lease

Ally Financial is taking the whole amount of the pmts toward interest and not applying any towards principal. The amortization schedule doesnt match my balance owed. My balance is more.
Product: Credit reporting or other personal consumer reports

There are errors on my report regarding unauthorized inquiries. Kindly delete them.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with Metro 2 regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I'm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX servicing keeps incorrectly showing my account as being late. 
They recently transferred my account to XXXX, in the process of switching account they reported that I was late in XX/XX/2019. This is incorrect as I have paid my mortgage payment on XX/XX/19 for the XXXX payment. 
I tried to dispute this with Experian, but they keep denying my request even with a copy of my payment history that clearly shows that I am not 30 days and did in fact pay my XX/XX/2019 payment, and my XXXX and XX/XX/2019 payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent them information about inquires that are not mine they just left on there XXXX tu, XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX "
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm asking the removal of these bogus items from my credit report as a result of claimed identity theft and I want to let the credit bureaus know that I was a victim of identity theft. FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) requires CREDIT BUREAUS to REMOVE any items specified in Identity Theft. THE LIST OF ITEMS THAT I WANTED TO REMOVE IS HERE AGAIN! 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tuesday XX/XX/2023 I spoke with a representative in regards to why Innovate Auto Finance is not reporting to my credit report. The reply I received was that Innovate Auto Finance is currently not reporting at the moment which I find illegal under the unfair credit reporting act. Innovate Auto Finance is quick to report if my balance is not up to date or will only report if there is negative reporting to your credit. But since my auto finance is about to be paid off in one payment they no longer want to report. Please have an Innovate Auto Finance report to my credit agency. I also work with XXXX XXXX to take legal action in regards to this unlawful act for them only to choose to report negative items and not report update positive credit history which is stopping me from not obtaining a new vehicle since this is no longer reporting. Attached is the payoff which I will soon no longer will have to make payment which justifies my statement
Product: Checking or savings account

It has come to my knowledge that my account was improperly used without my permission or consent by SQUARE INC, my information was accessed by unauthorized users and reports were downloaded without my consent or acknowledgement and causing my account to be closed and me having to use out of pocket expenses. Due to my acgoint being closed I can not provide account number but my social security number is XXXX and my cash tag is $ XXXX. FTC va code states that we have the right to know about data breaches and also request and receive information and records pertaining to my account, cybersecurity & organized crime. XXXX XXXX companies are liable under the FTC to follow these rules. Square Inc XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX. 
XXXX XXXX XXXX, Chief Executive Officer, and Chairman XXXX XXXX XXXX XXXX Chief Financial officer XXXX /Chief Accounting Officer I will be filing form 211 with theTreasury omb forms to audit consumers account. Squar Inc is securitizing consumers data and refuse to provide consumers with a copy of their consumer file/report.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XX/XX/2024. I discovered some hard inquiries that did not have permissible purposes, which is a violation 15 USC 1681b. 

XXXX XXXX XXXX ( XX/XX/2024 ) This inquiry has no permissible purpose to be on my report. I did not authorize this inquiry. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX ( XX/XX/2024 ) This inquiry has no permissible purpose to be on my report. I did not authorize this inquiry. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX ( XX/XX/2024 ) This inquiry has no permissible purpose to be on my report. I did not authorize this inquiry. Delete this inquiry due to violation of 15 USC 1681b. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2024 ) This inquiry has no permissible purpose to be on my report. I did not authorize this inquiry. Delete this inquiry due to violation of 15 USC 1681b.
Product: Checking or savings account

This is regarding BBVA aka Compass Bank. My mother passed away in XX/XX/XXXX and her estate disbursed two checks on major banks. I have been trying to open an account to use my inheritence  to purchase a home as was my mothers XXXX wish. I have been going round and round since XX/XX/XXXX with multiple visits to the branch and nearly two dozen phone calls most of which have gone  unanswered trying to get an account opened up. I was told they needed to speak with the legal department because even though the checks were issued to the now defunct trust that they were provided a copy of and signed over to me by my brother as he is co trustee they didn't know if I could use them or if they'd need to be reissued to the estate of. After nearly a week " legal '' got back to them and stated we could use them as issued and I just needed to provide a TIN for the defunct trust and I need to sign a multiple trust agreement. Great! my brother can go into a local branch ( since we live in seperate parts of the state ) and I can go into mine and sign and everything will be hunky dory Can you give me this multiple trust agreement and I'll get this taken care of? The banker states she's never heard of this document. I ask can she get it from " legal ''? She doesn't know! She states to look on XXXX for this document. I Obtain my TIN and take time off work to go in only to be told now they need to have " legal '' approve my TIN. I tell her Should be about two days. I start calling at two days and three days later I'm told it's approved and I just need to provide them with this multiple trustee agreement that nobody knows anything about. This banker waited nearly two weeks to attempt to locate this form  that she new I would need so I could deposit over {$72000.00} in checks! My mortgage company, my brother, my REALTOR have all been in contact with this banker trying to get this done! We have postponed closing on the house for a month causing undue stress on me and my brother because of the lack of professionalism by this banker. It's bad enough that we just lost our mom but this treatment has the potential to cost us thousands of dollars and should not happen to anyone else.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought my credit report on XX/XX/XXXX from TransUnion. There were numerous errors. One debt, the same debt, was reported more than 7 times on my credit report.
I asked for TransUnion ( TU ) to correct the errors and validate debts that were not mine. The letter was sent on XX/XX/XXXX via Certified Mail. I sent the credit report, proof that the debt was singular and not duplicitous, along with my i.d . and a pay stub for id.
TU failed to contact me within 5 days to acknowledge my request.
TU then sent me letters with the wrong name, with a statement that I needed to send additional information to request a free credit report. I NEVER REQUESTED A FREE REPORT SINCE I BOUGHT ONE FROM THEIR WEBSITE!
I sent another letter to TU, via Certified Mail, informing them that I demanded that they delete the duplicate debts, validate those debts that were not mine, and fix the errors listed in my credit report.
They responded to me with the wrong name and stated that TU did n't recognize my credit report or could n't find it, that I need to submit a better form of id ... to get my FREE CREDIT REPORT!
They did not validate my debt, delete duplicitous debts, or fix errors listed in my credit report within 30 days. TU continued to report the debt, failed to give notice the debt was in dispute, and failed to take any actions at all.
All letters have been electronically sent via Certified Mail, with proof, and are still in electronic form.
Product: Student loan

I received a notification that my account was delinquent and that I owed {$1100.00} on my student loan bill. I checked my payment history and it appears my payments are not being applied since XXXX. My payment history shows the last payment received and applied was XX/XX/2023 ; however, I have paid {$2300.00} since then as follows : - {$500.00} on XX/XX/XXXX - {$600.00} on XX/XX/XXXX - {$600.00} on XX/XX/XXXX - {$600.00} on XX/XX/XXXX I have called but never connected : I have emailed but no response. Servicer is XXXX.
Product: Credit reporting

I requested my credit reports from Annual Credit Report I mailed in the request form on XXXX, 2017 to receive my credit reports from XXXX, Equifax, & XXXX. I have received my credit report from XXXX and XXXX on XXXX, 2017. It is now XXXX, 2017 and have still yet to received my credit report from Equifax that Im entitled to. Federal Law entitles me to receive one free credit report from each credit bureau. I have requested my all 3 major credit bureaus XXXX, Equifax, and XXXX. I submitted my request at the same time. I have receive my credit report from XXXX and XXXX as of my XXXX 2017. It is now XXXX, 2017 and I still have not received my Equifax credit report that I am entitled to.