23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We applied for a mortgage with USAA. We are currently going through underwriting to close on a home. We had set a close date of XXXX XXXX XXXX. Two weeks prior to closing on, XXXX XXXX, I received an email from my realtor stating that it looked like my lender was going to require a property survey prior to closing. I immediately called my lender for clarification. And yes they are requiring a property survey prior to closing. I felt that USAA is unfairly requiring this survey late in the closing process. I also feel that the lender should have inquired about the survey through the responsible party, myself, as we would be responsible for requesting the survey, not my realtor. We submitted our purchase agreement to our lender the day it was accepted, agreement was accepted on XXXX XXXX XXXX. On that agreement it clearly states we waived our rights to a property survey. Why is USAA now asking for a survey and potentially delaying closing?
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, MD, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX XXXX, XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX. XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX, XXXX, FL, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

Please note that this is not a duplicate complaint. I used CFPB to communicate with you to resolve about disputing my online personal loan with the Wells Fargo loan bank that was obviously COERCED since I was DEFRAUDED last year, which is being acknowledged and recognized by the FBI now. And I have now an ACTUAL ON-GOING CASE with the U.S. Department of Justice XXXX
Product: Credit reporting or other personal consumer reports

I have contacted XXXX XXXX XXXX  on multiple occasions about identity theft and that this account is not mine. Someone out multiple phones in my name from different phone companies and everyone else removed the issue proving it immediately it wasnt mine and deleted it off my report but one company will not and this is very frustrating and causing issues with tenants screening or any type of credit due to me having to deal with fraud. There is an apartment under XXXX that is incorrect amount as well, as well as this XXXXXXXX XXXX XXXX XXXX XXXXXXXX credit card that is under an ex spouse not me or not mine at all. I dont even recognize this. I have disputed the same things so many times and showed even a police report showing I had nothing to do with this and yet I am still dealing with the issues. Also I also want to complain that someone has gotten my information and it has been shared without my consent and I will like to remove this and press the issue further.
Product: Debt collection

Hello, I 'm writing in regards to a new mortgage ( 60+ Days ) that has been transferred between several banks and XXXX XXXX XXXX 

I have never received a statement or bill from any company and do n't know how much to pay. I 'm now in behind with the Franklin American Mortgage Company. I 've attempted to call and find out what the amount is but the phone system continues to re-route me or re-direct me. I can not contact their Collections Department and there is no number listed on their site or from XXXX searches. 

They have sent me two letters telling me I 'm late, with incorrect contact information or NO contact information for the Collections Department. They have hours of operation, very handy, but no way to call, not very handy. 

This is a violation of my rights under UDAP. I 'm being charged fees for a mortgage where I have NEVER received a bill from Franklin Mortgage. 

How am I supposed to pay if I do n't know the amount? They are trying to illegally service this loan and eventually take my home when they NEVER delivered a bill. 

I have have attached a copy of their Collections Letter as proof of this frustrating process. Other than a " Welcome to Franklin! '' letter, I have received only Collections notices of this vague nature. 

Please help.
Product: Credit reporting or other personal consumer reports

XXXX  Block Request : Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely,
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX 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 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 XXXXXX/XX/XXXX 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: 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 XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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

Requested credit bureaus that old and inaccurate addresses be removed on XX/XX/XXXX and XX/XX/XXXX Information has never been removed and my information is getting confused with consumers of old/inaccurate addresses. As per 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports all of my addresses, DOB, and names must be accurate, and I have sent my official documentation to all credit bureaus.
Product: Credit card

On XX/XX/year>, I was enticed by an offer listed on the CapitalOne Shopping Offers portal. It promised points up to XXXX miles by signing up for a recurring membership service called XXXX. Per the written terms, I purchased and signed up on this same day and happily use the service as of this complaint, XX/XX/year>. 

On XX/XX/year>, I was rewarded the advertised miles. On XX/XX/year>, these same miles were suddenly rescinded from my account without explanation. After some research, I come to learn that this has happened for not just this offer, but many other offers. With many other people also having their miles rescinded. 

I feel that I have been fraudulently induced into purchasing a now recurring membership program. In all likelihood, I would not have noticed this service ( that I now enjoy ) if not for the false promise and advertisement on CapitalOne 's part. I have attempted to contact them on this matter but was left on hold for 20+ minutes. Frankly, I am not interested in wasting more time on this issue and demand a prompt remedy. Based on their response, I will have to evaluate my relationship with this provider and possibly further action.
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. 
XXXX ) Dept of ED/XXXX - {$20000.00} XXXX ) XXXX - {$1000.00} XXXX ) XXXX - {$750.00} XXXX ) Dept of EDXXXX XXXX {$24000.00} XXXX ) Dept of ED/XXXX  XXXX {$23000.00} XXXX ) Dept of EDXXXX - {$22000.00} XXXX ) Dept of EDXXXX - {$21000.00} XXXX ) Dept of EDXXXX - {$13000.00} XXXX ) Dept of EDXXXX - {$7500.00} XXXX ) Dept of ED/XXXX - {$6600.00} XXXX ) Dept of EDXXXX - {$6100.00} XXXX XXXX Dept of EDXXXX - {$5000.00} XXXX ) Dept of EDXXXX - {$3500.00} XXXX ) Dept of EDXXXX - {$3200.00} XXXX ) Dept of EDXXXX - {$3100.00} XXXX ) Dept of EDXXXX - {$2100.00} XXXX ) Dept of ED/XXXX - {$2000.00} XXXX ) Dept of EDXXXX - {$1400.00} XXXX ) Dept of EDXXXX - {$1100.00} XXXX ) Dept of ED/XXXX  - {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a right to privacy.

15 U.S.C, 1681 Section 604 A. Section 2. It also states that 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 reporting 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 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

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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Consumer Loan

I have been a long time customer of Conn 's with a purchase record exceeding $ 40k. I have NEVER been 30-days late. In XX/XX/2016, someone in Conn 's AR department returned my payment to me BY CHECK, and then reported me to the credit bureau as being 30-days late. I wrote them several times and they still have me as being late although I returned the check to them stating that THEY can not make me late because of their error. I have since made another payment but they are still showing me late and the check has not been credited to my account. I feel they are deliberately trying to ruin my credit because I said how incompetent they are. 

Conn 's has the most incompetent accounting staff ever. Do not buy anything from them. The sales staff is excellent and they are in no way responsible for the horrific way the accounting is done. 

This all began when I paid an account off and accidently overpaid it. Instead of returning my money, they applied the overpayment to my open accounts which is not good business practice. This made varied accounts have different balances due than normal. I paid the full amount due and when I checked again the balance due was {$21.00}, so I canceled the {$130.00} payment and paid the {$21.00}. Conn 's had returned the {$100.00} difference in a check. Why, I have no idea. I am on a " 12-month, no-interest '' contract, therefore, payments in excess of the minimal should be expected, so why would the payment be returned? 

The problem is their ignorance and their attitude and that my purchase and payment history have no meaning. I have been tossed in the trash as if my reputation is something their incompetent staff have the right to tarnish.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit checked although I did not authorize it. I have been the victim of identity fraud according to the IRS, and someone was using using my identification to get credit in my name as a fraud said the IRS stating I had an account in XXXX XXXX which I did not have. 
There are inaccuracies on my credit report of other people by Transunion and XXXX  who are listing my father 's debts under my name causing me an increase in my credit and XXXX XXXX listed me for a legal loan which affected my credit and legal loan companies are not allowed to check people 's credit as it is granted based on a legitimate legal case as a commercial loan on future payments on a legal case.
Product: Debt collection

Aidvantage XXXX XXXX XXXX XXXX VA, XXXX XX/XX/XXXX This letter is in reference to inacccurate /negative items on my XXXX credit report. In violation of FDCPA and FCRA laws and my rights as a consumer as such : Right To Notice Of Debt - I never received a letter within 5 days of first contacting stating, The amount of debt, The owner of debt ( Aidvantage ). 

Right to contest the debt!!! 

Right to verify the debt!!! 

Aidvantage is reporting the same account number for different accounts. How am I to determine which specific account is which? Aidvanatge reporting inaccurate date opening on accounts, also not reporting the original creditor of the debt. The payment history is also inaccurate. It goes from paid on time XX/XX/XXXX to 90 days late XX/XX/XXXX and 120 days late in XX/XX/XXXX. How is that even possible? 


Can you please conduct a reasonable investigation and correct or delete/remove negative accounts. These violations are causing me actual damages!!!
Product: Vehicle loan or lease

In XXXX of XXXX I returned my car that I leased through XXXX XXXX XXXX/Toyota Financial. It was a 3 year lease that I enjoyed all aspects of, for the most part. I leased a XXXX XXXX XXXX that had two key fobs with the car. I returned the car to the dealership with 1 key on a day in XXXX. A few days later ( within the week ) I returned the 2nd key to the same dealership. The dealership did not provide a receipt for the 2nd key that was returned. I paid the balance that I owed for the lease end charges in total as soon as the bill was sent to me. I did not pay for the missing key charge as I thought there may have been an admin timing issue with the key. So I left with a balance thinking it would be cleared when the key was accounted for. I did not hear from Toyota Financial Services until many months after I paid the balance. They contacted me recently over the phone about a charge outstanding on my account for a key fob. I believed this was all resolved back in XXXX of XXXX when I paid the balance and months after I returned the 2nd key. 

1 ) They call me daily about collecting this fee.

2 ) They ask me to reach out to the dealership to clear this up. They work with the dealer, and I have reached out to the dealer on multiple occasions with no response or answer on the phone.

3 ) They call my elderly father about this as well and threaten to send him to collections. 4 ) When I XXXX the price of this key fob it is as low as {$8.00}, they are charging me over {$100.00}. 
5 ) The dealership did not provide me a receipt and Toyota financial did not reach out to me until many months after the payment and key return.

6 ) They only call me by ( 800 ) number and do not leave a voice message regarding the crux of the issue.

7 ) When I do answer it takes a minute for the caller to be actually connected to me.
Product: Money transfer, virtual currency, or money service

I have tried To use This service Called XXXX And they blocked the transaction and account requesting tons of documents, their request are very strange an un usual, because I already transfered funds Using XXXX In the past, so they know very well that I'm myself and stil requested personal documents and thats against the privacy law Also if internet is not secure enought, then they should go offline and stop wasting customers valuable time they Are simply a bunch of incompetents that are not compatibles with internet and the web, they Answers like robots they have serios problems with their sistem since they can request the same exact documents a XXXX times, shameless and they are also a company of arrogants with a service that isn't priced good at all, their currecy exchange rates are not good at all, at least not for this planet They have to explaine, whty they request the same private documents unlimited times, for example XXXX times, what they are doing the multiple copies of customers private documents that they stack somewere in the XXXX or XXXX, since they probably don't have the funds to pay a salary to a us citizen Also they have to completely remove my private documents from their XXXX expensive system since I will never approve and use them again they are a bunch of Incompetens and they are not compatibles with the standards availeble in this world/planet market I will send further complaints on the web when and if needed, and the complaints are also unlimited, for them complaints are like a marketing strategy, they are really a strange company
Product: Checking or savings account

( 1 ) On or about XX/XX/XXXX, my High Yield Savings Account with XXXX XXXX was frozen ( 2 ) There was no court order to freeze the account. 
( 3 ) On XX/XX/XXXX I called XXXX XXXX to inquire about why the account was locked. 
( 4 ) I was not given information but told I needed to speak with the fraud department. 
( 5 ) I spoke with XXXX who reset my login information. 
( 6 ) She then told me that I would not be permitted to make any transactions at this time. 
( 7 ). I inquired why that was and she informed me there was a review on the account. 
( 8 ) On XX/XX/XXXX, I spoke with XXXX. 
( 9 ) XXXX XXXX, the account would be on hold until issues were resolved with the external bank. 
( 10 ) I asked XXXX if there was a contact at XXXX XXXX. 
( 11 ) She told me XXXX XXXX who is the Bank XXXX. 
( 12 ) XXXX XXXX was contacted from my mother ( the account in question is joint ) ( 13 ) XXXX XXXX denied any involvement stating XXXX XXXX  " took no position. '' ( 14 ) On XX/XX/XXXX I called yet again and spoke with XXXX. 
( 15 ) I requested a copy of the recorded telephone conversations. 
( 16 ) XXXX told me " you have an attorney. '' ( 17 ) @ XX/XX/XXXX I called with an attorney and spoke with XXXX. 
( 18 ) XXXX was going to elevate to a higher level and " open an investigation on the investigation. '' ( 19 ) The funds remain inaccessible. 
( 20 ) American Express was not performing a background review. 
( 21 XXXX XXXX order to freeze funds ( that were already frozen ) on XX/XX/XXXX. 
( 22 ) On XX/XX/XXXX, there is a court order from the XXXX XXXX of XXXX XXXX. 
( 23 ) The order states " Ordered that the terms of the XXXX XXXX XXXX and XXXX, dated XX/XX/XXXX, are hereby affirmed. 
(

24 ) American Express is aware of the order to release funds. ( 25 ) American Express has refused to release the funds. ( 26 ) American Express wr
ongfully froze my savings account from XX/XX/XXXX, thereby causing financial damage. 
( 27 ) American Express continues to deny me access to the funds.

( 28 ) American Express will not release the funds unless I sign an agreement and release including a covenant not to sue.

( 29 ) For almost XXXX years, I have been unable to access my funds. 
( 30 ) Because I can't access the funds, I'm required to pay interest taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. 
I contacted the Big 3 Bureaus who placed the inquiry and asked them to remove their credit inquiry from my credit profile, but to date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.