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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
DP OF EDUC XXXX Balance : {$13000.00} DP OF EDUC XXXX Balance : {$7100.00} DP OF EDUC XXXX Balance : {$4800.00} DP OF EDUC XXXX Balance : {$22000.00} XXXX XXXX  Date of Inquiry : XX/XX/2020 XXXX  Date of Inquiry : XX/XX/2020 XXXX  XXXX  Date of Inquiry : XX/XX/2020
Product: Debt collection

In XX/XX/2019, several transactions on my Chase checking account was fraudulent so I filed a report with Chase. Instead of helping me, Chase closed all my accounts and refused to have a banking relationship with me from then on. Then Chase froze all my money for a month and eventually sent me a balance after I had filed a complaint with CFPB. Now a month later, Chase tries to collect {$190.00} in debt that I have no idea where it came from. Chase said the balance was a result of a fraudulent transaction that Chase decided that I was responsible for.
Product: Mortgage

On XX/XX/2020, my husband and I called a loan officer from Freedom Mortgage. She asked us many questions in order to preapprove us for an FHA loan. On XX/XX/XXXX we received a preapproval letter for the FHA loan. Since we are first time homebuyers, we were not aware she was supposed to have asked if we are citizens/ permanent residents or about our ethnicity. Neither question was asked. 
On XX/XX/XXXX, our loan officer declined our call of concern when we saw the documents included incorrect information because she was playing virtual XXXX. We contacted her assistant the following day to correct the citizenship status, the listed ethnicity of my husband, and inquire if the FHA loan was still an option. We told her our own research showed we would have to change the loan type. She assured us she had recently completed a loan with the same status. Our interest rate was locked with with FHA loan on XX/XX/XXXX. On XX/XX/XXXX, our loan officer informed us we did not qualify for FHA due to the reasons we told them back on XX/XX/XXXX. 
On XX/XX/XXXX, I asked my loan officer if we needed a different lender due to our need to close on time. She told us there would be no problem and that the loan was almost done. 
On XX/XX/XXXX, during a call with our loan officer, she told me our loan was still not done, but the latest we would have our keys would be Friday, XX/XX/XXXX. On XX/XX/XXXX, we were made to take an educational course due to being first time homebuyers. We were told back on XX/XX/XXXX that we did not have to take the course. My loan officer told me her manager would be sending us a {$75.00} money order due to the inconvenience. We signed paperwork with the notary on Saturday, XX/XX/XXXX and were not able to receive our keys until XX/XX/XXXX. My husbands ethnicity was still incorrectly recorded. He was listed as XXXX XXXX even though he is XXXX. 
I was promised a resolution by a branch manager on XX/XX/XXXX, and after multiple email requests, I have had zero communication from him since XX/XX/XXXX. 
The entire process was a nightmare. We were lied to by every employee that we had contact with. There was negligence during the preapproval process, incorrect information recorded intentionally, and consistent promising of a loan closing date that didnt come to fruition.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Student loan

Upon reviewing my consumer report, I notice several student accounts that are in possession of AIDvantage. There are at least six months of late pays which is completely inaccurate. 

I have never been late and I was unaware the Aidvantage was now the holder of the loan. 

They are reporting late pays and I was never late. 
I wish to verify the validity of this loan. I revoke all power of attorney over me and anyone acting as an agent on my behalf is fired. 

This company / agency does not have first hand knowledge to this matter. I believe there is a material truth in lending violation and I am willing to file a motion to produce documents in federal court.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 
XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I informed EQUIFAX Consumer Relation that my identity was compromised through several companies databases. where my personal information such as my name, address, social security and account number was included in a data breach. I requested unauthorized inquiries to be immediately removed due to its affecting my credit score utilization.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.

Please make a thorough investigation on the following : Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX Former : XXXX XXXX Employers : XXXX XXXX Employers : XXXXXXXX XXXX Date of Birth : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 


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 or other personal consumer reports

Subject : Illegal Credit Report Inquiry by XXXX XXXX FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 
1681b ( f ). On XX/XX/year>XXXX XXXX XXXX performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 
Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with XXXX XXXX that would justify this inquiry. 
This unauthorized credit pull has negatively affected my credit score and caused undue stress. 
As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA. 
2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 
Please investigate this violation of my consumer rights and take action against XXXX XXXX to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 
Thank you for your attention to this matter, and I look forward to your timely response. 

Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER REVIEWING MY CREDIT REPORT, I HAVE DISCOVERED INACCURATE ITEMS ON MY CREDIT FILE THAT DOES NOT BELONG TO ME AND THEY HAVE CAUSED SERIOUS DAMAGE TO MY CREDIT. I HAVE MANY BUSINESS OPPORTUNITIES AND I WONT BE ABLE TO GET ANYTHING DONE WITH FRADULENT ACTIVITY ON MY FILE. I HAVE ATTACHED A CREDIT REPORT HIGHLIGHTING EACH ACCOUNTS WITH INACCURATE TRANSACTIONS. PLEASE HAVE THOSE ACCOUNTS REMOVE AND PERMANENTLY DELETED OFF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked on my credit report and seen a credit inquiry on  XXXX   XXXX   2016  from  XXXX  that I did n't authorize
Product: Debt collection

Due to the fact that my Identity was stolen a fraudulent account was opened up. I have a police and FTC report in regards to being a victim of identity theft.
Product: Payday loan, title loan, personal loan, or advance loan

I called First Heritage Credit XXXX, La for a loan payoff. I went and got money orders for total given. I received a paid in full receipt. I waited for my title and it didnt come. After a month are so I called to inquire and was told it would be coming some the were waiting on the title company to get lien released. Another month went by I called back. I was told I owed a balance then I didnt owe a balance then was put on hold. Another lady picked up and said she didnt see my deposit. I told her I had copies and a receipt. She then said she remembers my deposit. She asked to call me back. I got a call back saying I owe almost {$500.00} more dollars. I asked to speak to manager they dont have one. I asked for DM phone number I got the run around. I called another branch they gave me the info. The DM was in training but did call a few days later. She said I owed this money because they tried to run a payment through my bank and it didnt go through. I didnt know about this payment I didnt authorize this payment. Nor does my bank show anything even trying to come through. The said I owe the money and thats it. XXXX how can you give me a paid in full receipt then I have to call you 2 months later looking for my title to be told I owe more money? This just doesnt make any sense to me. As far as I am concerned I owe nothing and they owe me my title. If it what they are saying would be the case would you give me a paid I full receipt with no mention of this payment? I think not.
Product: Checking or savings account

Police Report # XXXX. XXXX XXXX. USPS case # XXXX. Wells Fargo case # XXXX. An individual I was buying land from on his own LLC sole proprietor company died. XXXX Bill pays come back because he died somebody cashed XXXX out in the middle and the XXXX more come back unpaid and the bank refuses to do any kind of fraud help because I can't prove somebody died.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  accounXXXX XXXXt account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602A.States I have the right to privacy.

15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company NATIONAL CREDIT ADJUST account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Mortgage

To Whomever It May Concern : My Name is XXXX XXXX and I've Contacted the CFPB about my Mortgage Co. ( Ocwen Mortgage ) and at one time ( Homeward ) and now ( Phh Mortgage. If I can just revisit the case # XXXX dated XXXX XXXX and get a Legal Answer to this Question even though ( Ocwen ) sent a statement that i never did understand why they ( Ocwen ) did this When we went to them for a Loan Modification and ended up with this Loan that added more to our problems than it solved. Why add {$40000.00} Balloon Pay to the end of this loan when we've paid every payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. I have filed a report with the Federal Trade Commission, and I also reported the issue to the companies where the accounts were opened. 3 ) Please send me a complete and current credit report, free of charge, per the Fair Credit Reporting Act, Section 612 ( c ) ( 3 ).

4 ) Please remove the following accounts which were opened by fraud within 4 business days, per FCRA Section 605B ( a ) : I am seeking your assistance with the following items : XXXX. XXXX XXXX {$11000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX XXXX {$22000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$22000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$33000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$12000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$29000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$12000.00} Acc # XXXX XX/XX/XXXX XXXX. XXXX {$2300.00} Acc # XXXX XX/XX/XXXX XXXX
Product: Bank account or service

After my uncle was put in the XXXX I found out he had n't paid land taxes since 2012 and the tax commissioner was going to auction my family heirs property to settle the debt. I was told by ebay customer services reps and mangers that I had completed all the requirements necessary for my funds, to not be held after a sale. I listed my tractor for sale on ebay, and a buyer contacted me from XXXX. I live in XXXX and we both agreed to meet in XXXX at my property for him to check out the tractor. We agreed upon a price and he submitted a offer while we were in XXXX and I accepted while we were there. He paid on the spot thru Paypal and now eBay is holding my money saying I only have XXXX transactions. According to their rules it does n't say XXXX transaction in a 12 month period it says XXXX transactions which I have. 

XXXX XXXX law states that proceeds received from the sale of payment instruments or money transmission net of fees charged and retained by the authorized agent shall be remitted to the licensee or the licensee 's depository financial institution by such means as the licensee shall require within five ( 5 ) business days from the date of the sale or issuance of payment instruments unless more frequent remittance is required by the Department or the licensee. 

The buyer has the tractor, and has left positive feedback and has called ebay on my behalf to pay me. ebay and paypal is just making money off of my money.
Product: Checking or savings account

My checking account was closed apparently due to a check that was mobile deposited in which myself had never done, I have never been able to access online banking via app or online. I had a cleared balance of {$600.00} that had nothing to do with this so called mobile check deposit. Now I am being told the account is closed and my funds will not be returned to me.
Product: Payday loan, title loan, or personal loan

I received a letter in the mail from First Horizon thanking me for establishing a new line of credit. I DID NOT APPLY FOR ANY LINE OF CREDIT. I called First Horizon and was told that the overdraft protection for my HELOC was being converted into a Line of Credit. I never had overdraft protection on my HELOC. First Horizon is fabricating a scenario to create Lines of Credit for its customers. 
First Horizon is also going the extra mile to make it as difficult for its customers to close the account by not allowing the account to be closed over the phone. 
This is the same banking fraud XXXX XXXX did to its customers a few years ago. Please stop this company and its fraudulent business practices.
Product: Vehicle loan or lease

My car loan is due on the XXXX of every month. I have had Complications with my health since XX/XX/XXXX due to XXXX XXXX. 

I understand as of today XX/XX/XXXX that I am 32 days past due on my payment. 

Ive spoke to a Supervisor identified with User Code XXXX  ( Last name XXXX ) to ask if they can please forgive the late payment and not report the 30 days late to the credit bureaus. I advised I wasnt able to make the payment due not being to work and make money due to complications to XXXX They said NO! 

Can you please help me with this situation? I cant afford to have a late payments on my credit report. 

Thank you so much for your help
Product: Checking or savings account

Opened an Ally Online Savings Account on XX/XX/2021 The account was opened successfully via the web interface and I logged into their mobile app to check out the their user interface. I spent the day connecting and verifying my other external banks for transfers to Ally. I submitted some small transfers to Ally in order to test out their user interface. 

The next morning, XX/XX/2021, I finished the verification process and received a call from an unknown number claiming to be Ally to verify some information? I suspected a phishing attempt so I asked to call them back for security purposes and confirmed it was indeed Ally. The representative I spoke to asked me some security questions to which I answered and he informed me that my account was now verify and he would be opening up my savings account ( I had no idea it wasn't open ). He informed me that my account had to be funded within 30 days or it would be closed. I asked him if my transfers would be going through since I had initiated them prior to this phone call and he said they would, this was at XXXX I received an email at XXXX saying my telephone banking pin had been changed ( I never set this up ) and to contact Ally if I did not make this change. I tried to login to the mobile app at XXXX and received a notice that my account had been locked out so I called Ally to see what was going on. The representative on the phone transferred me over to their back department and the rep I spoke to informed me that my account was flagged and would be closed for suspicious activity and they would not be able to have a banking relationship with me. If I applied again my account would immediately be closed and there was no way I could appeal this decision. 

I pulled a XXXX report and everything is listed there are no issues there I find it strange that my account was only opened for a day, I had no money in the account, everything had been verified properly and then closed without explanation
Product: Debt collection

I just received a copy of my consumer credit report and have found LVNV FUNDING LLC reporting on my consumer report for an amount of XXXX. I do not have a contract with LVNV FUNDING LLC, this is identity theft. I have never received communications from this company nor consented to any transaction or contracts with LVNV FUNDING LLC. This account needs to be immediately XXXX out and deleted from my consumer reports. LVNV FUNDING LLC has to stop immediately reporting to all consumer reporting agencies. This is identity theft! This is a violation of my consumer rights and willful and knowingly intent. If LVNV FUNDING LLC does not cease collections attempts and XXXX  out the balance LVNV FUNDING LLC will be charged XXXX for damages
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and the most updated information that is being recorded For the following account XXXX XXXX and account number XXXX is INACCURATE. According to 15 USC 1681s -2 ( f ) a person may not provide any information related to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is incorrect. My report states that on Transunion the account is CLOSED, XXXX as OPEN and XXXX CLOSED. 

Also the last activity showing on my report stated that Transunion recorded XXXX XXXX and on my XXXX showing XX/XX/XXXX XXXX XX/XX/XXXX. 

Allow me to also mention my monthly payment on TRANSUNION that reported {$0.00} XXXX {$570.00} and XXXX {$0.00} The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy and fairness, I request immediate Deletion of this account from my credit report. Please provide me with a copy of my new credit report showing this account deleted upon completion. 

ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts appearing on my credit report, and I can't understand how this happened. I checked my report like I always do, but this time, there were discrepancies that seemed to come out of nowhere. Even after refreshing my browser, hoping it was just a glitch, the inaccurate accounts remained. This is why Im requesting that the documents Ive provided be carefully reviewed to ensure this never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX