23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying to sign off my refinance loan started with Loan Monkey. Signed final closing disclosure on XX/XX/XXXX with final close date to be today XX/XX/XXXX. Reached out to the title company myself several times and they still have not received closing documents from Loan Monkey. Reached out to Loan Monkey several times wanting update on my loan and why it is taking to long for docs to be transferred to title company. Getting run around. My loan expiration date is XX/XX/XXXX at this point do not think this is going to happen. 

I will need to start loan process all over again with another lender this may cost me points and additional appraisal fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$320.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

On Saturday, XX/XX/2022 money was stolen out of my BofA account through XXXX. Two withdrawals totaling {$700.00} was stolen. 
The bank was contacted immediately and they had my son XXXX, to call on the following Monday to dispute the charges. He was given a claim # to initiate an investigation. Everything was explained but after not hearing from the bank after 2 weeks, we went to the bank and were told that the claim was denied. BofA denied the claim due to stating the withdrawal came from XXXX 's phone, an XXXX XXXX and he didn't and doesn't own an XXXX  XXXX. He went to XXXX to submit proof that it wasn't from his phone so we submitted another claim with the proof. The 2nd claim was denied because supposedly another issue was a code was sent to the XXXX XXXX. Because XXXX owned an XXXX XXXX we concluded his phone was hacked. 
BofA is denying a refund of the monies and are denying his 2nd claim. 
Included is the proof for his XXXX XXXX which was under his aunts ( XXXX XXXX 's ) name - he is on her acct ) The bank cancelled his old account # which was for the complaint, and he now had a new account # XXXX.
Product: Credit reporting or other personal consumer reports

I request validation of debt with proof of my wet signature on the original contract of all account 's listed here in with Equifax reporting agency ; acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1100.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

I logged into my capital one mobile app because I currently have my car loan and credit card with them and noticed that a checking account was opened ending in XXXX on XXXX. 

I called Capital One and immediately told them I didn't open that account and to close it. The rep stated that he would get it closed since it was fraudulently opened. This was XXXX of this week. I'm currently logged into my mobile app and the account is still open. 

This makes me think Capital One is doing the same thing that XXXX XXXX did. Open accounts in the customer 's name without their permission. I want to know who opened this account and I want to press charges. I didn't authorize Capital One to open an account in my name.
Product: Credit reporting or other personal consumer reports

I submitted a credit repair request to a company, but they still failed to respond within the XXXX-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Product: Vehicle loan or lease

I was a less than 60days behind, told the lender of issue due to being let go from employer and was making payments to get ahead. the day before they repo car, I made a payment online. Went to go work and car was taken. Lender required the XXXX payments in order to get the car back. Tried speaking with Lender Rep Supervisor advising i wasnt even 60 days past due. They would not listen, so i had to borrower money to get the car back and now paying back high interest loan for this.
Product: Payday loan, title loan, or personal loan

I have a loan from Wilshire Consumer Credit for XXXXXXXX XXXX  installation. On XX/XX/XXXX, I contacted them and requested a payoff quote. The loan was paid in full on XX/XX/XXXX. After that, I contacted them to request a XXXX release and noticed the balance of {$22.00}. The person helping created a ticket that takes XXXX hours to review. Time passed by, but I didn't receive any responses. On XX/XX/XXXX, I contacted them again. The person named XXXX placed me on hold and disconnected the phone line. I called back, and the person helping responded that the balance was {$55.00} because I underpaid the loan. After explaining that the payment was based on the payoff quote, he transferred the line to his supervisor. XXXX ( supervisor ) was very nice to tell me that the balance is {$22.00} and it is a late fee. I asked to waive the fee since I paid the full balance of {$27000.00}, but his response was shocking. He can not waive the late fee since they received the payment on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Who m it May  Concern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX , GA  XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , PA  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.      XXXX   XXXX   XXXX   XXXX ,  XXXX .    XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    All Banks   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Telephone Companies   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  General Clothing Stores   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Tire Dealers    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   Miscellaneous Reptg . Agencies   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous  Reptg. Age ncies   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Miscellaneous Reptg. Agencies  XXXX   XXXX  Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   Soc s ec #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Product: Credit reporting or other personal consumer reports

In XXXX, I tried to log into my Equifax account to unfreeze my credit report on either XXXX or XXXX. I had no luck, suspected that there was an issue ( perhaps I hadn't made an account? If that were the case, I'm not sure why my account would have been frozen ). I called for support and waited over an hour on hold and never got a response from anything but an automated system that could not understand me ( I'm a native English speaker, it wasn't unclear pronunciation, but rather a system that can not actually respond to verbalized responses ). Today, XX/XX/XXXX, I called in again because I once again was unable to log in on any of these platforms. Customer service agent picked up after 20 minutes on hold, but was evidently not listening to me. Repeatedly she'd ask my a question, I'd respond, and get no response back from her just a lot of background noise or at times complete silence as if her microphone were muted. In these cases I'd eventually get a response but not until I'd said " Hello are you still there? '' This happened at least 3 times and each time she would come back and ask me/tell me the same directive ( to click on the link she'd sent and follow the instructions step by step ). I did this the first time she asked, scanning a photo of my driver 's license on the front and the back as well as taking a selfie for verification purposes. The system was unable to verify me and so the link stopped working. I explained this to her and was given the same directive as if I'd never stated what had just happened. After some XXXX  while I sat in silence waiting for her to acknowledge me, I was able to find something that suggested maybe it was browser issue. So I took the suggestion to use XXXX and to instead click on the create an account option. This worked and I was finally able to create an account ( again, I already had one, cause I froze my report previously so I'm not sure why this worked ). I thawed my report temporarily and signed out. It dawned on me that while I was in there I should have looked at my credit score. I went back to XXXX, clicked on Sign In, entered the information which I'd saved to my computer to prevent my own misremembering of the username and password, and received the same error messages as before " Please give us a call. We can't complete your request at this time. Please call the Customer Care team. '' This is merely a minute after I'd been logged in and fine on the site. I do not understand how my ability to buy a home or get a credit card is left up to a company that can not help me access my account. What if something were wrong with my credit score? How long would that be? This is not just unacceptable customer service, it's a major problem that seems to be ongoing for many people ( a quick XXXX  search revealed that ).
Product: Debt collection

Hello, I had XXXX performed to both my ear and my nose, by to different doctors, one in XXXX XXXX the next XXXX XXXX, I had supplied all of my insurance paperwork to XXXX  XXXX  of XXXX XXXX, Fl prior to any work being done to be sure my XXXX and XXXX covered everything because I have a very limited income from XXXX, they ensured me everything was covered. 
Then in XXXX XXXX they send me a bill for {$620.00}, this is after I made the final small payment of {$35.00} in their office at which time the told me I was paid in full. I asked them to tell me what it was for and which doctor it was from, they refused to do that, I offered them a payment plan if it really was a true charge, and they refused that, still to this day they refused to offer any information as to why this charge ( if mine ) happened, what it was for, which doctor it was for, etc. 
Then all of a sudden I start getting letters from this collection company, Capital Accounts, # XXXX I wrote to them but they refused to help me in any way and now they ruined what little credit I had and keep charging interest, besides the threatening phone calls all this for an account that was paid in full. 
I was told by the secretary in the doctor 's office who was a family friend that the girl in accounting was on maternity leave during this time frame and the replacement didn't know how to file claims with XXXX and that this problem happened to a lot of their patients. 
So now these false charges keep getting bigger and we have no way to pay the amount they are asking if these are real charges I could afford {$10.00} a month to pay for them, but there shouldn't be any charges in the first place!
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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX # XXXX that is Fraudulent activity on it! I have requested that XXXX XXXX forward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the 3 time I have requested my personal info be updated. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have reached out to all the Equifax concerning inquiries reflecting on my credit report I did not approve. In this process, Equifax provides the same reply every time and not providing the documents of how or who they spoke with to verify the information I am disputing. Equifax provided address information for the inquires reflecting my report - so far two on the inquiries mailing address was returned to the sender and not received. the other mailing addresses have not responded. 

I have enclosed a copy of the returned to the sender. 
I applied for a car in 2019 and that car company allowed over 10 different companies to pull my credit. This car company did not ask for my approval nor provide the companies which they shared my personal information with. 

Neither of the companies which pulled and reviewed my credit without approval can not provide a signature, esignature, statement, voice recording of me authorizing this pull. Which is why I disputing the following accounts.
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. 


INSTITUTION : XXXX XXXX XXXX XXXX ACCOUNT HOLDER NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX 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.

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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please remove.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.
Product: Credit reporting or other personal consumer reports

To the Department of Consumer Affairs, I am writing to formally lodge a complaint against XXXX regarding the ongoing lack of resolution surrounding a dispute with my account. Since XX/XX/XXXX, I have tirelessly attempted to address this matter, yet have encountered unhelpful and dismissive responses from XXXXXXXX XXXX " customer care '' representatives. 

On XX/XX/XXXX, I placed an order with XXXX through XXXX. Unfortunately, I received my items way past the expected delivery date, on XX/XX/XXXX. Upon receiving the items, I discovered they were broken and counterfeit. On the same day, XX/XX/XXXX, I reached out to the merchant with photos of the merchandise, requesting a return and refund. Despite my efforts, I received no response from the merchant whatsoever. 

In response to the merchant 's lack of communication, I opened a dispute with XXXX and provided irrefutable evidence to support my claim. However, XXXX unjustly sided with the merchant, despite their clear violation of policies. 

On XX/XX/XXXX, I took it upon myself to pay the loan in full to XXXX, in an effort to avoid any potential penalties. Subsequently, on XX/XX/XXXX, I filed a dispute with my bank regarding the transaction. 

After a thorough investigation, my bank concluded the dispute to be valid in XX/XX/XXXX. 

Despite my efforts to resolve the issue with both XXXX and the merchant, I have been met with inadequate support and dismissal. I am deeply disappointed by XXXX 's failure to conduct a fair and thorough investigation into the fraudulent activity on my account. Had they done a proper investigation back in XXXX, we wouldn't be dealing with this issue. 

I expect a swift and comprehensive response outlining the steps XXXX intends to take to rectify this situation and restore my confidence in their integrity and commitment to customer satisfaction.