23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Description of issue : We were clear to close on the buyers side since XX/XX/2016. The loan office and the seller have been going back and forth for XXXX weeks since then trying to get all the well documentation in order. We have been impacted by this financially in having XXXX addition weeks of temporary housing cost and we lost our rate lock as of XX/XX/<YYYY> They refused to extend the rate lock and now the new rate is an increase of approximately {$92.00} a month. The delay due to poor communication on the lender side and seller has cost me significantly and I would like to know what rights I have in this. They had all closing documentation XXXX hours prior to our rate lock expiration but could not make closing by the deadline.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made attempts to resolve this matter with Experian via letter and by phone. 

XX/XX/2020, I submitted a dispute letters regarding information that XXXX XXXX and XXXX XXXX XXXX provided to Experian. In such correspondence, I advised that the actual payment amounts were incorrect. According to the certified mail records, Experian received these letters on XX/XX/2020. I have not received a reply to my disputes. 

I contacted Experian via phone on XX/XX/2020 regarding the disputes, only to learn that they had no begin to work on the disputes. I was advised that my letters may still be in the mail department. I advised Experian that I sent a certified letters on XX/XX/2020 and that they received them on XX/XX/2020. In the telephone conversation I requested that these account be removed from my credit report immediately. I was advised that they would initiate a dispute and it may take an additional 30 days to resolved. 

I am applying for disaster relief funding ( which is time sensitive ), and would like to have this matter resolved promptly as it negatively impacts my credit score.  My original dispute was filed 45 days ago ( on XX/XX/2020 ). Experian has had ample time to resolve to this dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notified the company that I have no knowledge of a XXXX account that im a authorized user on. and want this removed from my credit profile. I also have inquires on my credit I have no knowledge of. such as XXXX XXXX. and XXXX. and theirs also XXXX XXXX XXXX XXXX
Product: Mortgage

I had a securitization audit done on my property and there is a lot of fraud found. The service mortgager is not the original creditor and have not given me proof of claim under FDCPA under UCC Title 15 Section 1692 ( g ). They have not given me full disclosure. UCC section 3-2-4 they have nit provided the name and the signature of both, beneficiary of both beneficiaries and the original creditor must be disclosed in the same document. XXXX XXXX XXXX are claiming I owe them over $ XXXX and has filed a complaint. They are not the XXXX XXXX XXXX XXXX and are committing Foreclosure Fraud. I will be be sending them a Intent to file a lawsuit
Product: Credit reporting or other personal consumer reports

I contacted your department following my credit report purchase with XXXX on XX/XX/XXXX. Upon reviewing my report, I discovered persistently UNVERIFIABLE information in my personal profile, including INACCURATE, COLLECTIONS, and CHARGE OFF accounts, as well as inquiries. This is disheartening, considering my ongoing subscription with XXXX, monthly report acquisitions, and continuous disputes without tangible resolution. Despite my efforts, your team suggested writing a letter and attaching a copy of the identity theft report ( FTC report # : XXXX ). I want to emphasize my lack of transaction history with the listed accounts below. Thus, I seek your assistance in removing the charged off, inaccurate, and collection accounts and inquiries, along with rectifying the incorrect information in my personal profile. Enclosed in this request are copies of my Utility Bill, Drivers License, and SS ID for verification purposes. Kindly expedite the resolution of this matter. 
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 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: Money transfer, virtual currency, or money service

on XXXX/XXXX/17 I sent a Money Gram to a XXXX XXXX out of Kansas city Mo. For an SBA grant program. The name of the person who told me to send {$300.00} via money gram is XXXX XXXX XXXX out O, Oregon ( not sure of the city ), XXXX XXXX XXXX pick up the money and ask me for more money the next day the amount {$850.00} which I did not send. After I ask for a refund he would not comply. Finding out that this was a scam through Faceboook ( other person involved is XXXX XXXX of Oregon also. 

XXXX XXXX XXXX claims that he works for the SBA Federal Grant Program, Which helps people pay their bills. All I need is help so that I can get my money back and also file a report with the FBI. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Debt collection

Company - LVNV Funding LLC Date - XX/XX/2019 Amount - {$150.00} I have made several attempts to get in touch with LVNV Funding LLC but they are unreachable. I have exhausted all my efforts to get in touch with the company. My account was paid, however, it remains on my credit reports.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX was paid {$200.00} by XXXX XXXX XXXX XXXX from my banking account. XXXX  states they have no proof of that transaction. I contacted XXXX XXXX XXXX XXXX which faxed a bank Affidavit which contained the date the check was paid. The Affidavit was faxed to the fax number provided by XXXX. Despite the Affidavit, XXXX has instructed me to send them a copy of my bank statement. I refuse to send my bank statement to the XXXX  because it would be an invasion of my privacy. According to the Federal Trade Commission XXXX can request proof of payment which my bank has provided. I received a letter from XXXX dated XX/XX/XXXX stating my dispute appears to be invalid. I have failed a lawsuit against XXXX and will appear in court on XX/XX/XXXX. Upon conducting an online search with regards to XXXX, it appears XXXX has received consumer complaints alleging violations of the Fair Debt Collections Practices Act ( FDCPA ), including making false and misleading statements in an effort to collect a debt and failing to verify debts. In XXXX, XXXX XXXX XXXX XXXX XXXX. agreed to pay {$3.00} million to settle Federal Trade Commission charges that they violated the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I currently do not have a social security number but I have credit accounts with an ITIN number. I requested my free credit reports and was able to obtain reports from XXXX and XXXX. Experian refused to give me my report because I don't have a social security number.
Product: Credit card or prepaid card

On XX/XX/XXXX we attempted to make hotel reservations online at a XXXX XXXX hotel near XXXX, XXXX XXXX. We did not receive a reservation confirmation, so we made reservations by directly contacting the hotel. We stayed for two nights, XX/XX/XXXX and XXXX and checked out on XX/XX/XXXX and paid the bill of {$280.00}. On the subsequent billing statement for XXXX, XXXX identical charges from XXXX XXXX for {$140.00} for XX/XX/XXXX that appeared on our statement. We assume these were placeholder charges made as part of the unsuccessful reservation attempts made on that day. I contacted the credit card company as explained these were erroneous charges posted in error, as we had paid the correct charge for the two nigh stay and there were no other valid XXXX XXXX charges. I subsequently submitted a written response to them explaining the error. I also told the credit card company that I had contacted XXXX XXXX to ask them to remove the charges, and XXXX XXXX had not record of the charges. I have subsequently had numerous and lengthy telephone conversations with company representatives where we have gone over the charges together and they have claimed to understand the issue, only to receive multiple correspondence indicating that 1 ) they don't have enough information ( even though I have gone over the dispute in detail and the representatives I spoke with claimed to be taking detailed notes, 2 ) I should have canceled the service ( although as explained, there was no service to cancel as these were erroneous charges for attempted reservations that were never confirmed, or XXXX ) the dispute was not submitted within the 60 days required ( after representatives confirmed on the telephone that my written explanation was in the file well before the deadline and available for them to review during our conversations.
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up complaint regarding my credit file, which appears to have been compromised due to a lack of action on previous removal requests, despite the support of FTC reports XXXX XXXX, # XXXX, and the most recent, # XXXX. As a victim of fraud, I am once again insisting on the removal of entries stemming from such fraudulent activities from my credit report. According to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are required to eliminate any disputed items within four business days following XX/XX/XXXX. This issue was highlighted in my prior communications and is underscored once more due to a new FTC report. The entries listed below are unrecognized by me and have been removed by other bureaus, which casts further doubt on their accuracy. 
XXXX : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX -- -- -- -- -- -- EQUIFAX : XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX. This notice serves as a final warning. Failure to comply with the mandated removals as stipulated by FCRA 605B will compel me to initiate legal proceedings. My legal counsel has been briefed on your willful non-compliance and is prepared to pursue all necessary actions to enforce my rights.
Product: Debt collection

I have repeatedly told them to stop calling. I have also told them if they continue to call I will sue them yet they call daily. The law says I have the right to deal only with the original creditor which is what I have explained I will do. The original creditor refused to file this with insurance. I have repeatedly explained that. They do not care yet they can still continue to harass me.
Product: Checking or savings account

Someone opened a deposit account in my name, fraudulently. They used my email address so I was notified of its opening. I have updated my email password and notified Chime ( XXXX ). Chime responded that they have halted their servicing of the account in question. An XXXX direct deposit form was completed using a fraudulent address for the account. 

Chime 's quick response was good, but I am not in need of additional banking services.
Product: Bank account or service

I '' M A MEMBER OF PNC BANK ABOUT XXXX MONTHS AGO I WAS XXXX CHARGED BY A COMPANY NAME XXXX WHICH TURN OUT TO BE A SCAM SO I INFORMATION PNC BANK WHICH THEY RETURN THE MONEY TO MY ACCOUNT SO XXXX CHARGED ME AGAIN SO I WENT TOPNC ON XXXX/XXXX/15 & I TALKED TO XXXX XXXX XXXX WHO INFORMATION ME THAT MY MONEY WOULD BE IN MY ACCOUNT IN 10 DAYS BUT I CALLED THE BANK PHONE LINE IN THE MONEY WAS IN THE BANK SO THE NEXT DAY XXXX/XXXX/15 I WENT TO THE ATM MACHINE THAT WENT I LEARN THAT THEY HAD CLOSED MY ACCOUNT THEY OWE ME {$170.00} I JUST WANT MY MONEY
Product: Checking or savings account

RE : Santander Bank XXXX XXXX XXXX XXXX N.Y. XXXX Checking Acct. Number ... ... XXXX My name is XXXX XXXX .... I have been banking with Santander Bank for about 20 years ; actually, I have this account number over 30 years with other banks that preceded Santander Bank.

About five ( 5 ) years ago there was an incident that the bank wanted to investigate a deposit of {$5000.00} Dollars ( amount is not exact ). The amount that held back showed up in my statements as unavailable. Each time I inquired about it I was told dont worry you have plenty of money ( looking at some past balances, on XXXX my balance was {$660000.00} ) we will let you know. 
Last week I questioned my bank for the overdraft fees, I also questioned {$30.00} monthly fee that i was never charged before, I was told that the bank wants me to close my account, although I never had any problems with, insufficient funds or bouncing checks, the bank refused to extend my account until I open a different account in another bank. 
The bank refuses to give me my full balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never hired or authorized this medical doctor to do anything. Any services that may have been requested was done by another doctor or hospital. I never agreed to make payment or be responsible for payment. I also have XXXX  XXXX XXXX with a 100 % coverage and no deductible even if I authorized the medical services ( which I did not ) I would have been covered by my health insurance provider. Furthermore I have no judgement in a court of law stating I owe this balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX at XXXXXX/XX/XXXX XXXX XXXX, XXXX, GA XXXX has been sending me collection notices in the amount of {$6500.00} the collection has been reported as pas due balance. I do not know this company. I have never done business with this company. This company does not have any contract with my signature. 

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 a account without my written instructions 15 U.SC.C 1681B ( A ) ( 2 ) - No consent is identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

A Eviction is showing on my credit report that is stopping me from being able to rent a place for my family that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX XXXX  for months. Experian refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically get approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report : XXXX, XXXX, XXXX XXXX XXXX IXXXX. Also there are inquiries on my report I did not authorize as well : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  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

I received a copy of my credit report and found many inaccuracies. XXXX XXXX has violated my right to an accurate report, due to the many inaccurate dates of payment status. it is reflecting late 120 days on XXXX, 150 days late on XXXX and XXXX on XXXX. Three dates of last payment XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XXXX. This is a violation o 1681e b whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of information concerning information about whom the person relates. 1681c ( c ) 4 accounts placed for collection or charged to profit and loss antedate the report by no more than seven years. It will be impossible to get a valid antedation date with so many different dates being reported. 15 U.S ( 1 ) duty of furnisher to provide accurate information. I demand that this account be deleted. I understand that under 15 U.S.C you must complete this within 30 days of receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX  XXXX XXXX Balance Owed : {$100.00} ; XXXX  XXXX XXXX Balance Owed : {$510.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have these unauthorized fraudulent inquiries removed from my credit report XXXX Inquiry : XXXX XXXX, XXXX  + Department/Variety and Other Retail ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX  + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Additionally, I request the removal of all unauthorized inquiries related to this identity theft. Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. l expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX shared my personal information with multiple companies without my consent or giving me the opportunity to opt out. I also requested a cancellation of debt from the XXXX XXXXXXXX XXXX. I have sent the US code, CFR and IRS documentation to update the debt payments on my credit report. They are abusing their power and sharing information without permission, taking advantage of their resources instead of properly using it's resources for resolutions. 

15 U.S. Code 1681 15 U.S. Code 6805 15 U.S. Code 6802 12 CFR 1016.10 Privacy Act- 5 U.S. Code 552
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX paid off car loan in full {$11000.00} XX/XX/XXXX received letter stating " santander consumer usa, inc recognizes the above referenced account as paid in full on XX/XX/XXXX. '' XX/XX/XXXX received letter from santander statting " we have contacted the florida dept of highway safety and motor vehicle to remove our lien interest on the electronic title for the XXXX XXXX XXXX '' XX/XX/XXXX received check from Chrysler capital for {$620.00} as I overpaid the payoff amount. 
XX/XX/XXXX - but I received XX/XX/XXXX a letter from Santander collections ( debt collector ) as an attempt to " collect debt. '' Very perplexed, I called Santander as I knew this must be a clerical mistake because my loan had been paid off since XX/XX/XXXX. I was informed during this phone call that I owed {$1300.00} even though my loan was paid off in full, I received letter of pay off, & title was transfered to me. According to Santander, 2 payments were made to my account in the past year improperly. I have no record of this only their word that this occurred. One in XX/XX/XXXX & the other XXXX XXXX. None of this makes sense as my loan was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any account not later than 4 business days after XX/XX/2023 Ive already included this report in my previous letter & I am including it again. Also, the information you provided on this account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion today about several inquiries on my credit report that I did not give written authorization to furnish pursuant to 15 U.S.C. 1681b. ( 2 ). XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Spoke with several agents and transferred to supervisor ( s ) over several calls. All parties relayed the same company policy which does not supersede Federal Law, that the consumer needs to investigate each inquiry with each financial institution, and mail a letter to Transunion in order to prove that I did not give permissible purpose. I was hung up on 3 times by 3 different supervisors, XXXX, XXXX, & XXXX XXXX while trying to exercise my rights under the FCRA. Regardless of attachment to open or closed accounts, they have no written permission to furnish those inquiries. I recorded all calls as they indicated they did.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$300.00} XXXX XXXX SVC - XXXX - XX/XX/XXXX - {$19000.00} XXXX  - XXXX - XX/XX/XXXX - {$990.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX BANK XXXX - XXXX - XX/XX/XXXX - {$490.00} XXXX FCU - XXXX - XX/XX/XXXX - {$1600.00} XXXX  - XXXX - XX/XX/XXXX - {$12000.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  CARD XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 24 and 25 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.