23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or about XX/XX/2020, I was contacted by Quicken Loans/Rocket Mortgage to do the financing of a property I am looking into to purchase. I did not contact Rocket Mortgage to do the financing, they contacted me. They had a copy of my credit report prior to the initial contact, how I do not know. We went over the credit profile, the originator XXXX XXXX ran the loan scenario through automated underwriting and told me verbally via telephone that " FHA liked my loan '' and it was approved. I sent to him via online portal every document he requested, and every document needed to complete the financing. On or about XX/XX/2020, I was told I had to allow them to charge {$500.00} on my credit card for an appraisal which I did under the pretense that the file was already approved. On or about XX/XX/2020, I asked when in fact would I expect a conditional approval and I was told I had to then deal with a loan specialist named XXXX XXXX. I began communicating with him and he was more than rude! He then told me my XXXX came back a " refer '' and not an approval as I had been told in previous days. He also stated that he had to get a rapid rescore on my credit report to see if we could even go any further. Well, wait a minute you already have my credit profile with my ficos, etc. why would you need to wait to now see if I qualify? Evidently I qualified if the findings were approved as I was told and you also took {$500.00} of my money. I tried to escalate this to customer relations with XXXX XXXX who was supposedly going to look into this and this is as of Wednesday XX/XX/2020. Well, low and behold I contacted her today via email and she sent me an adverse action letter citing credit issues. If that were so, why did they take my money in the first place? She also stated that once the rescore came back, they could put my file back into the system and start the process all over again. Therefore, you do see there would be no closing in XXXX as they has promised at all. There is a more depth account of the story, however, I can not put all down here. Bottom line is I was baited and switched and now noone is being held accountable, and they are refusing to return my funds. I would like my funds back immediately. I will also be contacting the FTC in regards to this as this is not acceptable practice in the mortgage industry. These originators are supposed to be trained and licensed. This whole story negates the fact that I had a previous loan in process a few months prior, therefore, they were well aware of the situation. They knowingly and willingly took my money without any intention on completing the financing.
Product: Money transfer, virtual currency, or money service

I opened a Robinhood account in 2020. I added money into the account and bought stocks. This past Thursday, my account vanished. When I tried to log into it, this text appeared : " Error.Unable to log in with credentials. '' I had a facial recognition feature on this app, so I found it strange. When I tried to contact Robinhood of fraudulent activities, there is no one to contact. The telephone number redirects you to a vague email address. I was stressed because Robinhood has all my information linked to my bank account. I find it incredulous there is no support if its a legitamate company. I had over XXXX shares of XXXX  cryptocurrency. I had invested in XXXX. XXXX. XXXX. XXXX  XXXX. XXXX. and a few others. Today someone tried to transfer {$2900.00}. then $ XXXX {$1000.00}. then {$100.00}. then {$10.00}. all within an hour. I happened to notice. All of this could have been avoided if Robinhood had a fraud department. I'm not tech savy. I work hard for my every dollar. I pay my bills. I'm asking with some help reinstating my account. I signed up for identity theft protection. I want my account found. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine but is reflecting on my credit reports. 

XXXX XXXX XXXX  # : XXXX Opened : XX/XX/XXXX Amount : {$100.00} Veros Credit LLC Acct # : XXXX Opened : XX/XX/XXXX Amount : {$25000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Veros Credit LLC or XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting or other personal consumer reports

Despite my repeated attempts to rectify this situation, these fraudulent accounts persist, and it has become abundantly clear that your organization is failing in its duty to protect consumers from identity theft. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I can not emphasize enough the urgency of this matter. The presence of these accounts has hindered my ability to secure loans, obtain credit, and achieve my financial goals, all through no fault of my own. 
Despite all my efforts, I continue to receive no resolution, and these fraudulent accounts remain on my credit report. This situation is unacceptable, and it is clear that your organization is not taking the necessary steps to investigate and address this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquiries on my credit report : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX. I have attached all the required identity documents to this complaint including ; photo ID, social security card, proof of address. There is no reason for Experian to not complete this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a late payment reporting on my XXXX XXXX  account. As you can see I have had this account open for years and never made a late payment and there is not one single other late payment reporting. I care about my credit and have a great relationship with all my creditors. Please remove this remark.
Product: Money transfer, virtual currency, or money service

XX/XX/2019 - XXXX took funds from my bank account and transferred them to unknown account. 
XX/XX/XXXX - I contacted XXXX with the XXXX # and WEB ID and asked for some help. 
XX/XX/XXXX - XXXX requested a government picture ID. 
XX/XX/XXXX - I replied with the requested information and repeated request for help. 
XX/XX/XXXX XXXX is confused and claims they cant help me. 
XX/XX/XXXX I again ask for help with the issue. 
XX/XX/XXXX - XXXX thanks me for sending over the information, tells me they took off my phone to the account, and I should have no problem signing up. 
XX/XX/XXXX - XXXX addresses me as XXXX vs my name which is XXXX and asks me to ignore the previous email due to a computer problem on their side. 
XX/XX/XXXX I ask for more help including getting the fraud department involved. 
XX/XX/XXXX - XXXX feigns ignorance on what is going on and they assure me the computer is working well now, but well enough to help me. 
XX/XX/XXXX - I ask for more help and getting the fraud department involved. 
XX/XX/XXXX - XXXX calls me XXXX again, and a long explanation on how XXXX   is awesome and they don't make mistakes and that I should stop bothering them and go bother my bank. 
XX/XX/XXXX - I ask if XXXX even has a fraud department. 
XX/XX/XXXX I get response that XXXX is sorry about my name, and they don't have a fraud department to help me. 
XX/XX/XXXX I get a XXXX survey asking how they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/12 XXXX XXXX # XXXX I had an account opened with a friend/significant other. He had opened the account in my name because he was unable to. We had separated and I gave him  ownership of the account. XXXX did not transfer over responsibility from me to him and allowed the account to go to collections. All the billing information and addresses on file were to the friend/significant other. I had to eventually pay for the collections amount and also received a negative collections indicator on my credit report. I tried disputing this with both XXXX and the credit bureau, but both were unhelpful at providing any information or a solution on how to resolve this issue. I have had this negative account on my credit file when I did not own the account.
Product: Mortgage

I have attached my original complaint dated XX/XX/2019 and on the same date I forwarded a copy to the NYS Department of Financial Services via online. NYS Department of Financial Services, Ms. XXXX advised me that their office forwarded a copy of the attached complaint to the institution. To this date I have not received any correspondence from the institution. My complaint stems from the following : 1. Additional Late Fee ( currently {$200.00} ) 2. Receiving the Escrow Notification Late 3. Tax Increase with no supporting doc.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

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 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. 

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 has violated my rights.

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 reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}
Product: Debt collection

I have this debt with the XXXX but i have a payment plan and I never fail to make a payment. This company I tried to explain to them regarding this issue and they don't let me to talk the scream to me and also used profane words to me they don't let me talk, they make me feel that I am a criminal. The name of the company is Phoenix financial services. the date of service was XX/XX/2018 owned amount {$490.00}. the hospital name is XXXX XXXX XXXX XXXX XXXX current creditor XXXX XXXX XXXX XXXX. I don't own this amount I already paid that amount with the hospital, and they don't want to listen and give any fax number or email where to send the evidence. They reserved to be demanded
Product: Debt collection

I have wrote pro collector, & XXXX XXXX XXXX 3 times through via mail the debt collector who is allegedly stating I owe them money. I have not yet received any information where I stated and asking for contracts that included my signature stating we did business.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXXXXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the XXXX credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$460.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple problems with the latest Equifax breach. 1 ) I was already the victim of the breach. Someone stole my credit card information. Fortunately, my bank is awesome and caught the fraud before I lost any money. 2 ) Why the XXXX did it take so long for Equifax to alert the public?! 3 ) Why do I have to shell out {$10.00} a piece to each agency to freeze my credit? I understand that that is an optional step ; however, I would rather be safe than sorry. I am in my XXXX with kids and have many needs still for a solid credit score. This is money that should come out of Equifaxs pocket-NOT MINE! 4 ) When I did go to each website to freeze my credit, only XXXX website was operational. The only thing I can deduce is that these multi-billion dollar companies are employing a bunch of teenagers to run their technology departments. First Equifax loses personal information on half of America, knows about it for 3 months without disclosing, THEN ( the cherry on top ) theyre not even prepared for the fallout. What a bunch of total IDIOTS!
Product: Credit reporting, credit repair services, or other personal consumer reports

there are numerous inquiries on my XXXX credit report which i NEVER authorized or have seen before XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX
Product: Checking or savings account

I had a account with u guys that ended up being closed cause I couldnt pay my Overdraft due to my XXXX  accident that almost took XXXX XXXX  Im healthy now and want to pay u guys what I owe
Product: Checking or savings account

I'm a XXXX veteran and I'm the only person who get money sent to my account but my wife name is on the account with me. I get va and social security XXXX and they froze my account and took XXXX dollars from my XXXX XXXX moneybto pay for a old debt that belonged to my wife in a previous marriage and caused me to miss my mortgage payment. So now im out money and behind on my mortgage.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to HXXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 

I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent TransUnion two letters. 30 days back to back and never got a response to either letter.Under FCRA section 604 ( a ) ( 3 ) ( A ), permissible purpose has to be proven for the review or collection of a consumers account. There has been no communication back from TransUnion or prove I authorized any of the hard inquiries on my credit history kept under my SSN number. If they ca n't provide me proof with my signature authorizing permissible purpose for each hard inquiry, these hard inquiries must be deleted for no permissible purpose or authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX BUSINESS TYPE : XXXX XXXX  DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Debt collection

Accounts #  XXXX  and #  XXXX  are accounts were due to identity theft. In addition, the statue of limitation has been exceeded for each account.   Account #  XXXX  in reference to  XXXX   XXXX . After contacting the company I was informed that the account was SOLD t o MIDLAND CREDIT MANAGEMENT. W hich by my understanding is illegal. This account initially was reported as identity theft to  XXXX . After the issue was ignored by  XXXX   XXXX  they then sold the account to MCM.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is not reporting complete and accurate information to the credit reporting agencies. On Experian, XXXX XXXX XXXX is reporting as delinquent majority of 2018 while on XXXX, they are reporting as failed to pay. XXXX XXXX XXXX isnt reporting any payment information with XXXX. The issue is that I have disputed this item on all bureaus but the results always return as verified as accurate. If the information on one bureau is reporting incomplete and inconsistent information on the other bureaus, how is any of the information verified as accurate? That just shows the negligence on the part of the credit bureaus exposing that they did not thoroughly perform an investigation. Attached are screenshots showing the inconsistencies across the bureaus.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX