23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2022, I was looking online for current mortgage rates. I was not applying for a mortgage, nor looking to refinance. I was ONLY looking to see the current rates. I began entering information and I had already entered my address when I decided I would not be giving any more information because I did not want to receive multiple calls regarding mortgages. On XX/XX/2022 I received two letters from rocket mortgage signed by XXXX XXXX, XXXX number XXXX. 
The letter states that they were unable to help me with a loan because of debt to income not supported. This is probably because I did not give them any information. It says they did not pull my credit report in making this decision, but the letter stated that it was a denial of home financing. Regardless of whether or not a credit report was pulled, I do not like the fact that they say I was denied financing when I didnt apply for any financing whatsoever. What is the purpose of these letters?? I dont want anyone creating false information that I was denied for financing. I have excellent credit, and when I do choose to apply for a loan, I will have no problem getting approved. There is something off about getting a denial letter when I didnt apply for financing.
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 TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, opened on XX/XX/XXXX ; XXXX XXXX, opened on XX/XX/XXXX ; and unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA & XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX that you, the XXXX credit reporting 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, unveriable, and false information consist of an insurance account XXXX XXXX XX/XX/XXXXAccount number ( private ) in the amount of {$330.00}, mobile phone account XXXX XXXX XXXX Account XXXX XXXX XXXX ) in the amount of {$3500.00}, and an apartment rentaXX/XX/XXXX Account number ( private XXXX XXXX in the amount of {$11000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquires in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforesaid fraudulent items. i do not recognize the aforementioned accounts, collections, or hard inquires as reported. The aforementioned accounts, collections, and hard inquires appear on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforesaid accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal complaint XXXX and XXXX, as proof from the XXXX Federal Trade Commission that all the aforesaid consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has yet to resolve the issue. Please help me delete these illegal accounts from my credit reports.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts shall be removed immediately : XXXX. 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 Acct XXXX. XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furish a account without my instructions. 15 USC 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. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furish 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 in accurate. I'm demanding that this accounts be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to the Credit Bureau trying to remove inaccurate information from my credit report. My goal is to purchase a home but I am being held back because all three of the Credit Bureaus are violating my rights as a consumer. I sent letters on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have sent the last set of letters certified, and after multiple requests for re-investigations I know that 30 day rule is out of the window. This has been a HUGE inconvenience for me, and I want this matter solved ASAP.

There are several items on my credit report that are reporting inaccurately and they should be removed.

TransUnion, XXXX, and XXXX have yet to send ANY correspondence for my requests and completely ignored every letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol one and XXXX XXXX calling me on a conference call asking me why I removed a payment that I paid for my landlord and I told them that XXXX told me the service was not coneccted then I was told that my social security number was found on the dark web and then that weekend at the beginning of last year droped XXXX pints runing my credit also my bank card pin was the numbers that he got from walmart and I would have to tell you what they were on the phone or somthing and other suspicious numbers that I have noticed plaese help I am about to loose my business
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Delete this account. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

XXXX transferred the servicing of my mortgage loan to Selene Finance, effective XXXX XXXX, 2015. I immediately started receiving statements where they had added in all types of extra fees and charges. I tried calling Selene Finance to discuss my mortgage and have had a difficult time reaching anyone. When I finally did reach someone, I was told that they could not discuss anything with me because XXXX had not sent them all my paperwork. This is outrageous. Selene Finance has possibly the worst customer service of any company I have ever deal with. The phone is always busy when you call, many times you 're placed on hold and the call gets disconnected. I have read horror stories on the internet of other homeowner 's experiences dealing with Selene Finance. I 'm shocked that this company is allowed to do business. In addition to this complaint, I 'm also filing XXXX with the XXXX Attorney General, the XXXX Department of Banking and the XXXX Department of Banking.
Product: Money transfer, virtual currency, or money service

I received emails from Abra mentioning the shutdown of their app. I was unable to access my account, and I contacted them multiple times, before their app shutdown, in every way possible, and they never replied. I would like a statement of the XXXX I had held with their app and a full refund and resolution as I complied with their deadline but their team decided not to reply multiple times to my request for help accessing the account.
Product: Checking or savings account

I chatted with Bank of America regarding an unauthorized charge on my business debit card. On XX/XX/XXXX there was a charge for {$980.00} from XXXX that showed up on my account. 

I contacted bank of America and filed a claim, after a week or two, I contacted Bank of America who said they approved the provisional credit for the amount and that it should reflect on my account on XXXX XXXX However the day has come and nothing is deposited as promised. Bank of America is having a hard time even finding the claim I had filed which is fascinating as an agent just last week saw the claim and the approval for the provisional credit I filed a police report and have been waiting for Bank of America to reach out so I can help provide the details I am please requesting for help from Bank of America to forward the promised provisional credits on my account Claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$43000.00} XXXX  XXXX  XXXX XXXX XXXX {$1900.00} XXXX  FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. 
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Product: Credit reporting or other personal consumer reports

I am a consumer as defined under the Fair Credit Reporting Act ( " FCRA '' ) and the Fair Debt Collection Practices Act ( " FDCPA '' ). 
The companies violated my rights. 
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 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

I discovered that XXXX, XXXX, XXXX, and EXPERIAN has reported an account in collections on my consumer credit report. This account is inaccurately reflected and constitutes a violation of my rights under federal law.

Violations of Federal Law : XXXX is in violation of 15 U.S. Code 1681c ( a ) ( 2 ) ( A ), which states that the inclusion of adverse items of information more than seven years old in a consumer report is prohibited. The collection in question has exceeded this statutory limit.

Additionally, under 15 U.S. Code 1666 ( b ) ( a ), which governs billing errors, it is required that creditors and their reporting agents, such as credit bureaus, properly handle disputes regarding erroneous charges and ensure accurate reflection of account statuses. XXXX, XXXX, and EXPERIAN, failed to comply with this requirement. 
Furthermore, 15 U.S. Code 1692c ( c ) prohibits continued reporting or communication regarding a disputed debt without proper verification. The collection account was reported without proper validation of the debt. 

I hereby demand that XXXX, XXXX, and EXPERIAN immediately remove the illegal collection accounts from my consumer credit report in full compliance with the aforementioned legal statutes. 
I further request a written statement confirming the removal of this erroneous collection from my credit report and an updated credit report reflecting the corrected information. 
Failure to remove this account will result in further legal action to protect my rights under the FCRA and FDCPA.
Product: Vehicle loan or lease

I finished paying my loan early to TD Auto Finance on XX/XX/year> per the terms of the contract. TD Auto closed my account shortly afterwards because my account balance was XXXX. I have screenshots, records, and the contract to prove all this. 

My understanding is that the lender, TD Auto, is legally required to notify the WA DOL to print and mail the title to my address. 

It has been 90 days since my contract ended on XX/XX/year>. I called TD Auto multiple times in XXXX and they have claimed to be mailing me the release letter but it never arrived. I know they have my correct mailing address because they've mailed me privacy notices and even a check for under {$1.00} because I overpaid slightly. I filed a complaint with the WA State Department of Licensing but they refused to help me because TD Auto is foreign ( XXXX ). 

I just want my title. I made every single payment on time for four years and I don't understand why they are dishonoring the terms of the contract.
Product: Debt collection

I am writing to request your assistance in looking into the deceptive practices of this collection law-firm above. It appears that they are using tactics that may be violating consumer protection law in debt collection practices depriving consumers of their rights to dispute. 

1 In XXXX XXXX, I received a notice from the above company, The next day, I contacted their offices as instructed -- the memo dated XXXX/XXXX/XXXX instruct me to contact the plaintiff attorney, not the court. I followed the instructions provided and contacted the plaintiff attorney by phone and also faxed a letter on XXXX/XXXX/XXXX disputing the debt ( see letter ). 

2. The company responded with a letter dated XXXX/XXXX/XXXX by sending me a bill with a due date for XXXX. I had requested a bill showing what my balance was back when I made a payment back in XXXX XXXX for {$100.00}. I was disputing the amount owed, disputing the charges. 

3. I wrote back to the company and faxed another dispute letter on XXXX XXXX, XXXX continue to dispute the amount owed. 

4. The company sent me a response on XXXX/XXXX/XXXX saying that they furnished me the information, I was not disputing that I owe XXXX XXXX, I was disputing that the balance was inaccurate and that I needed proof of the last known charges and activity on the account which was XXXX XXXX. In the last paragraph of their letter it indicated that if I was disputing the amount to send a letter and so on.. 

5. On XXXX XXXX, XXXX -- I sent another letter to the company disputing the balance and requesting the documents again. 

The company never responded to my XXXX XXXX letter, they since had not communication with me, until XXXX XXXX XXXX when I received a letter from them with a copy of a DEFAULT judgment that they filed the court clerk 's office indicating that I failed to respond to their judgment. 

Facts:1. The only judgment that the above firm served me with was the original judgment which I am attaching dispute letters showing that I RESPONDED as instructed to their office on XXXX different occasions. 
2. The plaintiff failed to respond to my dispute and furnish the information provided-and was probably unable to obtain proof of the original of the debt3. Instead of using credible legal procedure to settle the debts, they utilized unfaithful and dirty tactics, violated my rights. 
4. Went to the court, committed perjury under the law by filing false documents with the court that I defaulted on the judgment and failed to respond when in fact I responded and they failed to furnish proof. 
5. I went the court house and the clerk 's office, I was told that the company did not notify their offices that they had been in contact with me, instead they the company told the court and clerk 's office that I did not respond to their summons the the clerks office granted them the default judgement based on their false information that I did not respond to their summons. They filed a false affirmation with the clerk 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Portfolio Collection Agency added two ( 2 ) deragatory marks on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection and there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, ( Portfolio ) has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Product: Credit card

I am filing a formal complaint regarding a credit card account reported by Discover that I believe is inaccurate and invalid. Discover has indicated that I owe a balance on a credit card they closed. However, they have stated that they are unable to identify or validate this account as being associated with me, despite continuing to report a balance on my credit report. 

Key Issues : XXXX. Failure to Validate the Account : Discover has been unable to provide any identifying information or proof linking this account to me. This violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that all information reported be accurate and verifiable.

2. Inaccurate Reporting : Despite Discovers inability to identify me as the account holder, the balance continues to appear on my credit report, negatively impacting my credit score.

3. Potential Violations of the FDCPA : By reporting a balance they can not validate, Discover may also be violating the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, if this account is being pursued for collection.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your Equifax credit reports. Account names and accoun numbers and file Your complaint with the CFPB
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, I made Experian, XXXX and XXXX aware of this since XXXX of 2023. They Have ignored my notices and request to remove the fraud from my consumer report. The 30-day and 60-day time frame for a reasonable investigation as past. If items can not be verified within 30 days it must be removed. failure to provide proper validation of the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ), debt collectors are required to validate debts when requested by the consumer. Also 15 USC 1681 c- 2 they must block all item that came from fraud in 4 business days which has also passed. I am requesting all Items be deleted immediately. I demand that the following account be verified or removed immediately : 1. XXXX XXXX Date of inquiry : XX/XX/year> 2.XXXX XXXX  XXXX Date of inquiry : XX/XX/year> 3. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX Account Number : XXXX 4. XXXX XXXX XXXX Account Number : XXXX 5. XXXX XXXX XXXX Account Number : XXXX 6. XXXX XXXX XXXX XXXX Account Number : XXXX 7XXXX XXXX XXXX Account Number : XXXX 8.XXXX XXXX  Account Number : XXXX 9.XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 - Hello, on XX/XX/2022 I wrote a letter to XXXX XXXX XXXX in regards to my consumer right of the Debit Collection Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ). They have ignore my request of documents that I had the right to requested in my letter to them of Agreement docs and more as you will see and attached is what was sent to me from their company for the second time as this information they have is unacceptable to my consumer right of the law. 

2 - Also on XX/XX/2022 United Revenue Corporation has also ignored my request of documents that I had of my consumer right of the Debit Collection Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ). This is the second time and both times I have been ignored but they continue to report information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax adn XXXX  XXXX data breach caused a XXXX XXXX XXXX to be placed on credit violates my CFPB, cra