23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Referred to Lower.com through lead generation service Bankrate based on my sole interest in a Home Equity Line of Credit ( HELOC ). - XX/XX/21 Connected with Lower.com mortgage broker and/or originator via phone and authorized a soft credit inquiry to discuss available products. XX/XX/21 Pitched a first mortgage refinance + HELOC product by mortgage broker/originator via phone and email. - XX/XX/21 Authorized a hard credit inquiry based solely on my need of and interest in a HELOC ( included in the pitch ), with a secondary benefit of being able to lower the interest rate of my first mortgage in one closing. - XX/XX/21No mention of possible ineligibility due to property type was communicated to me verbally or in writing at any time prior to hard credit inquiry authorization.

Hard credit inquiry performed. XX/XX/21 After the hard credit inquiry was performed, I was informed by the mortgage broker/originator via email the HELOC product could not be offered, not due to information obtained from the report, but because the property is a condominium, a material fact known by the mortgage broker/originator prior to both pitching the product and performing a hard credit inquiry. - XX/XX/21 The property type was made known by me verbally several times in my conversations with the mortgage broker/originator, prior to authorizing a hard credit inquiry. 
The property type is publicly available information that should have been known with the level of due diligence I would expect from a licensed mortgage broker/originator prior to making a pitch and certainly prior to performing a hard credit inquiry for a product they knowingly can not offer due to this reason. 
I made the decision to authorize a hard credit inquiry and proceed with the product I was pitched solely based on the availability of the HELOC product, the only product I was originally in the market for. 
Raised concerns to XXXX customer care and management via phone and email -XX/XX/2021 and sent letter Certified Mail on XX/XX/2021 to XXXX management CC credit reporting agencies XXXX, XXXX XXXX, and XXXX detailing the experience. 
- No response, update, or other correspondence received as ofXX/XX/2021.
Product: Credit reporting or other personal consumer reports

Requested to have the late remarks stricken from my report so I can close on a house, but the lenders are refusing to remove said remarks due to their opinion that the information is accurate so they don't need to remove it. The problem with this is that the payments have been made, the delinquencies have been resolved, and a thorough explanation was given regarding what happened to cause the delinquency to begin with. They didn't care. They seem to think that just because it occurred to begin with, I should suffer from such and that they are under no obligation to help out at all. All communication was done over the phone with the lenders-Navy Federal XXXX XXXX and XXXX. The lenderS said the information is accurate and to talk to the credit bureaus. Then the credit bureaus tell me that they only report what the lenders tell them and to go back and ask the lenders to remove it. I have been filing disputes and talking to them but they're dragging this out and I only have so much longer before the seller backs out and my loan possibly gets denied due to these late remarks. I don't know what else I can do because they won't work with me and they aren't doing their job of removing these remarks. I am working with XXXX XXXX  to do better and take the necessary steps to have a healthy credit. The date I'm referring to is XX/XX/XXXX  's payment for my {$2300.00} auto loan with Navy Federal CR Union and {$1400.00} loan with XXXX. Yes I was late, but I've explained that it was due to XXXX XXXX with me and my newborn  being sick and being worried and distracted by this that I ended up being late. I need a home for my family, so I won't let this happen again because I'm trying to do right by my child. I don't know what else I can say or do to get them to do their jobs, please help me.
Product: Credit reporting or other personal consumer reports

I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them. I implore you to take prompt action to correct this mistake
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card was fraudulently taken out in my name with JPMCB ( Chase XXXX in XX/XX/XXXX, the perp admitted and was convicted of a lesser charge through a plea agreement. The amount charged on account was approx. {$19000.00}. The perpetrator has been paying restitution. The card issuer fails to admit to the fraud, and has classified the account as a " charge off ''. Which of course negatively affects my credit rating. I have sent Chase copies of the Michigan XXXX XXXX conviction. I am appealing Chase latest decision, which I hope to get overturned. This is pathetic that a bank fails to admit their own shortcoming, and in fact blames the victim. Where is justice?!! 
I have been working on the reclassification since XX/XX/XXXX. 
This is a disgrace what " big banks '' get away with.
Product: Debt collection

XXXX did not fully address the concerns outlined in my prior complaint. Most specifically, they have not updated my account to reflect accurate status. Per their own documentation which was finally provided as result of my prior complaint, my forbearance was for dates XX/XX/XXXX through XX/XX/XXXX. Payments for each of these months was made in full and is documented in their system. However, the are still reporting that my account is past due ( it is not ) and are not allowing me to make online payments. My forbearance period has not ended and my mortgage payments are now current. I believe they updated my account to not accept payments in retaliation due to my complaints. If true, this is very concerning and unethical. 

I have provided screenshots printed today, XX/XX/XXXX as evidence of : 1 ) their receipt of each of my mortgage payments 2 ) Their block on my account that will not allow paymets to be made online. 
3 ) Their inaccurate reporting that my account is 30 days past due For reference, documentation will show full mortgage payments were paid and posted as outlined ( which brings my account completely current ) : - XX/XX/XXXX payment posted by XXXX  on XX/XX/XXXX - XX/XX/XXXX payment posted by XXXX on XX/XX/XXXX ( XXXX separate payments paid/posted on same date ) - XX/XX/XXXX payment posted by XXXX  on XX/XX/XXXX - XX/XX/XXXX payment posted by XXXX  on XX/XX/XXXX ( two separate payments posted/paid on same date ) - XX/XX/XXXX payment made on XX/XX/XXXX, not yet received/posted by XXXX
Product: Credit reporting or other personal consumer reports

Applied for the loan XXXX  csr was inoperable after needing a new engine, and we did not have funds to pay for new engine. 

According to the towing bill, the car was still under warranty but they would not honor it at the dealership. 

The finance company XXXX XXXX XXXX said that it would be listed as a charge off on my credit report but it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX XXXXransunion has me at a score around XXXX That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXXXXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a data breach. Consequently, several fraudulent accounts and unauthorized inquiries have appeared on my credit report. In accordance with my rights under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that the accounts and inquiries listed below be immediately blocked and deleted from my credit report. 
Fraudulent Accounts to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX
Product: Debt collection

I found multiple fraudulent accounts on credit, and they are reporting on credit and hurting my future financial journey.
Product: Debt collection

On XX/XX/XXXX I sent an Affidavit of Truth, Exhibit A, Exhibit B, Cease and Desist, Debt Validation letter, Information request, Invoice, Signed by Notary to Continental Service Group Inc. I notified them about their Violations under 15 USC 1692 B ( 5 ), 15 USC 1692 B ( 2 ). Under 15 USC 1692 C ( c ) I am refusing to pay alleged debt. Under 15 USC 1692 C ( c ) 2 I am invoking my specified remedy as a consumer and original creditor. Under 15 USC 1692 g Fair Debt Collection Practices Act I am Disputing alleged debt and Validation is Requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Basic Dispute Letter sent XX/XX/22 & XX/XX/22 Section 609 of the Fair Credit Reporting Act Letter sent XX/XX/22 & XX/XX/22 Accounts still remaining that have not been fully validated : XXXX XXXX  XXXX XXXX {$3500.00} XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX : {$460.00}
Product: Checking or savings account

I opened checking account with US Bank and bank without my knowledge opened a line of credit. I did n't want it and they refused to close it. After my complaints they closed my checking account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I do not remember contesting to agreeing for this company to email me. I told him to send me a letter in the mail. I just moved and I never provided them my new address but they have all my information obtained not by me. I believe my debt collector has provided this third party this information. I am irritate at this this point with them sending me letters via email. No one is authorized to give them my information. My number is registered " DO NOT CALL '' registry. I hope you can help me get these people to STOP emailing me as though they have permission by me and they do NOT! They have violated my rights to dispute this matter the appropriate way. Can you help me? 









Personal And Confidential Communication from XXXX  for XXXX XXXX XXXX Inbox XXXX XXXX via XXXX Attachments XX/XX/2020, XXXX XXXX  ( 10 days ago ) to XXXX Your eNotice Document is best viewed using the latest version of the XXXX XXXX - get it here XXXX Welcome to eNotice - Please review this email carefully. 
XXXX Your Account Details : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX  Account Number : XXXX Dear XXXX XXXX XXXX, Our records indicate that we have your authorization to communicate with you via email at the following address : XXXX To open the secure eNOTICE document : 1. Double click on the secure eNOTICE PDF attachment.

2. Enter the last four digits of your SSN to open the secure eNOTICE PDF.

By providing the last four-digits of your SSN to access the attached PDF document, you confirm your authorization for XXXX  to communicate with you via email.

If you do not wish to be contacted via email, follow the Unsubscribe Instructions below. 

XXXX is committed to customer satisfaction. If you have any questions about your secured eNotice or need assistance, please contact us. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed information and inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.
Product: Credit card

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX my SSN is XXXX. I was born XXXX and I have several fraudulent accounts opened on my credit that are not mine. They are listed on the attached police report. To be clear and concise they are XXXX XXXX XXXX, all of the Dept of Ed accounts, XXXX and all negative listings. Please remove them ASAP.  Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit card or prepaid card

Citibank refuses to look up my credit card information that had THANK YOU POINTS associated with it. 
I was rudely put on indefinite HOLD by agent who insisted the only way to move forward was with the old card number - even though I had verified a different current card number. 
She refused to connect me to a supervisor. 
Instead of hanging up, she placed me on hold, stayed silent, and never came back onto the line after 20 minutes of hold time.

I did not disconnect the call.
Product: Credit reporting or other personal consumer reports

Please accept this letter as my formal written request for the following items on my credit report to be investigated. 

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice.

I demand to see Verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to discover inaccurate accounts on my credit report, and Im completely baffled by how they got there. I checked my report like I usually do, but this time, to my horror, there were discrepancies I never expected. I tried refreshing my browser, hoping it was just a technical error, but nothing changedthe errors remained. Because of this, Im urgently requesting a thorough check of the documents Ive provided, so I can stop worrying about this ever happening again.
Product: Checking or savings account

On XXXX, I wanted to check my Experian account for any new updates pertaining my fico 8 score. I was able to login into my Experian account but bumped into a issue. I was taken to a page to that wanted my personal credit card information. After loging out of the Experian website, I checked my credit card and was charged {$24.00} and can't even login to get to my fico 8 score. I called Experian an talked to a customer service representative by name of XXXX. XXXX informed me that the issue would be resolved in less than 30 minutes. After checking my Experian account after 30 minutes I was still urged to pay another fee of {$24.00}. this issue has caused great harm to my financial stability in pursuing home ownership in the near future.
Product: Credit reporting or other personal consumer reports

TransUnion requesting that specific names be included on your credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion, I am writing to request the addition of XXXX names to my credit report. It is important for my credit history to accurately reflect my identity, and I believe these names are essential for this purpose. 

The names I would like to have included on my credit report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that maintaining accurate records is crucial for both credit reporting agencies and consumers, and I appreciate your attention to this matter. 

Please let me know if you require any additional information or documentation to process this request. I look forward to your prompt response. 

Thank you for your assistance. 

Sincerely
Product: Credit reporting

I realized in XXXX after filing my taxes that my identity had been taken as far back as XXXX, I filed a complaint with XXXX, XXXX, FTC, XXXX XXXX XXXX office and had XXXX try to help me clear it. These items are still on my report, they say they are verified and I should provide documentation to show it was not me ... .that is difficult to do, the fact the person who took my identity has the same information that I have, which is me. 
There a cell phone bill and credit cards that have been open in my name and never paid. Unfortunately the companies do n't care if it was you, they only want their money.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and was furious to find an inquiry from your company that I know I never approved.
Product: Credit reporting, credit repair services, 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 USC 1681. 

The letters are stated with items and issues.

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.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 reasonable cause to believe that the information is inaccurate.
Product: Credit card

I am writing in regards to XXXX credit cards that have been opened without my knowledge.One card was opened in XXXX of XXXX which has a balance of {$2700.00} and the second card was opened in XX/XX/XXXX which has a balance of {$4000.00}. I would like for the accounts to be closed and removed off of my credit report by the XXXX credit bureaus. These cards are not mine and and fraudulent. I would like this to be handled immediately.