23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started an application with Rocket to refinance my home on XX/XX/XXXX probably around XXXX EST. When I got to the screen where I asked for consent to pull my credit report I did not proceed. While I was on that part of the process I noticed that there was no option to add a co-applicant. I went back to a prior screen titled 'Who 's on the Loan '. When that did not let me add a co-applicant if I selected that I was not married I engaged in their chat feature. The first agent I chatted with transferred me to XXXX XXXX who said he was a banker and could add a co-applicant later. 

At XXXX XXXX  the next day ( XX/XX/2020 ) I received a text from XXXX XXXX stating an interest rate he had qualified for me for. Around that time I received alerts from two credit card companies stating I just had a credit pull done. I never authorized a credit pull, never completed the application and up until that time on the XX/XX/XXXX I did not even log into Rocket Mortgage, communicate with XXXX XXXX or had contact of any type with any one associated with Rocket Mortgage or XXXX XXXX. 

I would assume that if I would have authorized a credit report to be accessed on Rocket Mortgage 's website it would have been done right then through their system and not the next day.
Product: Checking or savings account

This is yet the most recent banking practices and I believe someone in the bank has targeted my accounts for malicious activity. Money deposit from one acct to another from person cash funds to business acct as capital was immediately available since the bank made the direct withdrawal and deposit. Acct showed funds available and clerk identified funds were available, then weeks later acct shows negative balances. Also bank over a month later after my complaints to charge for inaccurate and duplicate transactions an analysis fee which is also related to the bank staff reviewing acct when ever they choose. Bank does not want customer to have access to their own data and continues to put barriers to charge fees. Like trying to eliminate deposit slips and performing transactions without the knowledge of the customer. Please explain to me what is going on.
Product: Mortgage

Shellpoint Mortgage Servicing Attn : Dispute Resolution Department XXXX XXXX XXXX XXXX, SC XXXX Re : LOAN # # XXXX Dear Shellpoint Mortgage Servicing, I am writing to dispute the transfer of my mortgage loan to your company in 2022. Despite this transfer, I did not receive the required notice of ownership change, as mandated by federal XXXX. Additionally, I have encountered several issues related to documentation and reporting inaccuracies. 

Transfer Notice Violation : According to the Real Estate Settlement Procedures Act ( RESPA ), you are obligated to provide a notice of transfer of ownership within 30 days of the mortgage sale. I request that you promptly send me this notice, including the required information2.

Original Contract and Signature : Please provide a copy of the original loan contract with my original signature. Transparency is crucial, and I need to verify the terms and conditions of my loan3.

Transaction History : I demand a complete transaction history from the date you took over my loan. This includes all payments, modifications, and any other relevant transactions4.

Previous Loan Modifications : I request all documents related to any previous loan modifications made by Shellpoint. This information is essential for my records and understanding of my loan history5.

Separate Original Documents : Ensure that the original documents I signed on my closing date are kept separate and accessible. These are critical for any future legal or financial matters6.

Inaccurate Late Payments : Provide a detailed breakdown of any late payment inaccuracies you are reporting. If there are discrepancies, I expect prompt corrections.

Deletion of Tradeline : failure to provide any requested documents I demand that you delete your tradeline from my credit report within 15 days from the date of this dispute.

Please acknowledge receipt of this letter and provide a written response within the legally required timeframe. Failure to comply may result in legal action. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

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

I have an auto loan with Santander USA, which is almost paid off ( Balance {$470.00} ). This loan was a joint account with my ex-husband, which went with me upon divorce. I have struggled to pay this loan. The job I had for many years was eliminated, I had a very sick child which brought on enormous hospital bills, went back to college, etc. However, I have continued to pay this loan. 

In XXXX, I moved to a new state for personal reasons and my car payment that was due on XX/XX/XXXX was late, It was paid on XX/XX/XXXX, at XXXX XXXX prior to it being 30 days late. However, Santander reported it as 30 days late to the credit agencies. 

It should not be reported as late. The payment was online and instantaneous. In addition, I have gone through each bill of theirs and am in fact a month ahead of what they show. I have requested a complete and itemized audit of my account in the past, but have never received one. I personally spent hours going through each and every payment numerous times and each time show that I am in fact one month ahead.

In addition, I wrote them numerous times asking for the exact payoff needed to close my account. I requested the information in writing. They did not even acknowledge that they received my requests, even though I have delivery confirmation. After all the years, I have been dealing with them, I would like written confirmation of the exact amount I need to pay them in order to own the XXXX XXXX XXXX free and clear. 

Thank you, XXXX XXXX ( they still have my account under my married name which was changed in XXXX, XXXX XXXX ) Account # XXXX
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

Multiple mortgage inquiries have been placed on my credit report within days at a time. I was advised that if credit is checked for a mortgage within a 14-day period, it will count as 1 hard pull. 

I have had a hard time speaking with equifax and XXXX to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. Below is a full of list of inaccurate items from my Experian Credit Report. 

The addresses below are reporting on my credit and I have never lived at any of these addresses : XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Card Date : XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX I Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX/XXXX  Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX/XXXX  XXXX Date : XX/XX/XXXX BELOW are the Company , Account #, Dates OPEN and Balances for inaccuracies reporting on my Experian credit report : Company : XXXX XXXX Account # :XXXX Date Open:XX/XX/XXXX Balance : {$580.00} Company : XXXX XXXX XXXX Account # :XXXX Date Open:XX/XX/XXXX Balance : {$460.00} Company : XXXX XXXX XXXX? 
Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$10000.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$300.00} BELOW is a current account I have that is being reported as late. Which is false I recently purchased a new vehichle and have not missed a payment. 

Company : XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$19.00}, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been accepting erroneously created late payment entries from my loan servicer. I have sent a dispute form to them before to no avail. This is the second time that I have complained to them regarding this malicious entries posted to my account. I have provide to them substantial proof that I have never been late on my mortgage payments and they continue to post these garbage on my record. 

Their actions have created an immense economic burden to myself and my families well being. I have been denied the opportunity to refinance my usurious mortgage loan, due to the fact that they continue to post these illegal entries. They are not even posting on my account that I have disputed this companies charges, lending credibility to the garbage entries posted by my mortgage servicer XXXXXXXX XXXX
Product: Debt collection

Velocity Investments LL and XXXX bought lending clubs junk debt. They left an envelope on my steps claiming they are going after my wages. What?? Why the hell are these guys. Seems like a scam but googling them it looks like this is their business model. I have nothing to pay them so I find the fact they left an envelope on the steps at a condo building with the wrong name on it pretty sad.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN Following up on the data breach, I accessed the company 's web site to discern what can be done about that problem. They offer to monitor but with " strings. '' I declined. 

Yesterday around XXXX XXXX I received an email from EXPERIAN offering credit monitoring for {$0.00} and  no card # required. Moments later I was billed on my XXXX via XXXX {$52.00} ; XXXX is their card processor. 

EXPERIAN had to access my credit file an pull my XXXX card number and charge me without authorization. This is is a fraud in advertising or maybe a " hacker 's '' scam. I do n't know. 

REPLY-TO ADDRESS ON EMAIL : reply-XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

it is XXXX duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting XXXX inaccurate late payment for the XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/year>. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in Experian violating my federally protected consumer rights. To add to this, I did NOT give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination
Product: Vehicle loan or lease

company has been paid settlement offered by XXXX but refuses to update credit file after several calls the last one as of today. Per the fair credit reporting act this is affecting my ability to obtain a car loan. credit acceptance is showing im 120 days delq on a loan that should say paid and full
Product: Debt collection

To Whom It May Concern : Im responding to you sent me this is the first piece of correspondence Ive received from you on this matter. 

I believe I do not owe your firm what you say I owe, and I request that you please provide me with the following : tell me what I owe money for illustrate how your firm calculated the total amount in question. 
provide me with any copies of signed documents showing that I agreed to pay what you firm claims I owe. 
show me that you are licensed in my state, and give me your license number. 
stop contacting me about this matter, or any other you have, except to provide me with proof that I owe what you say I owe. 

I request that the company that you say I owe money to be sent a copy of this dispute, so that they do not report this on my credit report. I further expect that if you already reported me to a credit bureau, you notify them that I have not and do not agree with this debt in question.
Product: Credit reporting

There are several inquires I did NOT inquiry what is going on? I want these removed XXXX Date Filed XXXX/XXXX/2016 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/2016 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/2016 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/2016 Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found a number of mistakes on my credit report and I contracted Experian in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issue, this is a clear violation of my consumer rights. 

XXXX. My birthdate shows up on my report as ( 1995 ). My birthday is actually XX/XX/year>. 

XXXX. Experian and XXXX never removed a collection account or updated me on the status of the investigation I submitted more than 45 days ago. 
XXXX credit account number XXXX. 

XXXX - name update current XXXX XXXX. Change to XXXX XXXX XXXX XXXX XXXX Address update. Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX. Address No. XXXX removed. XXXX XXXX XXXX XXXX XXXX NC XXXX I have never lived at XXXX  XXXX of these residents My address been the same for XXXX  years. 
( XXXX XXXX XXXX XXXX NJ XXXX )
Product: Credit reporting or other personal consumer reports

My Fair Credit Reporting act consumer rights have been violated. On XX/XX/2024 I submitted letters to each Consumer Reporting agency requesting that both my name and my address be updated on my credit reports.

I also asked that the name I requested to be on my credit report be the only XXXX listed as it is my only name, and the only name I open accounts with. I also requested the address I sent to them be the only XXXX listed as it is my correct address and where I receive all of my mail. 

As of XX/XX/XXXX my rights have been violated in XXXX ways. I have not received a response from any of the credit reporting agencies. It has been over 30 days as it is now XX/XX/2024. I have also been violated, because none of my personal information has been update.
Product: Credit reporting or other personal consumer reports

Upon examining my Consumer Reports, I observed the presence of two tardy payments linked to an account for which I have maintained a consistent record of timeliness. The pivotal function undertaken by Consumer Reporting Agencies entails the accurate depiction of consumer information to the utmost degree. It is imperative that they fulfill this role with the highest level of precision. I wish to underscore that I have consistently met all payment deadlines for the account in question, namely : XXXX XXXX I hereby request a thorough investigation into this matter, accompanied by substantiating evidence in the form of statements validating the alleged late payments. Should such evidence not be forthcoming, I insist that the status of these payments be rectified to accurately reflect their punctual remittance, as has invariably been the case. It is worth emphasizing that I have maintained an unblemished record of punctuality and should not be penalized with erroneous late payment notations. 

I appreciate your prompt attention to this concern. 

Yours sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXXXXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Balance : {$1000.00} XXXXXXXX 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

Just go off the telephone after waiting for almost an hour i asked for information on the dispute that i had on hard inquiries, i stated that i wanted to get the information how they went about confirming the data and was refused to be given any information according to Texas i have a right to find out and ask for procedure to verify a dispute. 

gentleman did not wan to give me any information in regards to him and stated that i could write to those creditors myself to find out how they verified the verification took less than a day and it was almost 10 hard inquiries i disputed. 

after all said and done they try to sell you some monitoring service that seems to be more of a hook for you to subscribe This is how long the investigation took less than 1 half day Confirmation number : XXXX Submitted XX/XX/year>2025 Under investigation Completed XX/XX/year>2025 Dispute results remain online for approximately 2 years from the completion date. Download now for your records. 
Download dispute results
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries on my credit report. I am a victim of identity theft, and the following accounts and inquiries were not authorized by me.

Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the prompt blocking of the following information from my credit report : Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit reporting agencies about a debt on my account that is not mine. I have disputed this item and the credit bureaus have not properly looked into this issue. XXXX XXXX is collecting a debt from XXXX XXXX in which XXXX  XXXX does not have an application for this debt. I am asking that this debt is removed from my credit report because this debt is not mine nor can XXXX  XXXX definitively say that the debt belongs to me without a signed application. The burden of proof is not on the consumer to prove that the debt is not theirs. The burden of proof belongs to the creditor to prove that I contractually owe a debt and they can not do that. Please remove this debt from my credit report because you are violating my rights as a consumer to have accurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX # 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.