23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I submitted an application to Umpqua Bank for a mortgage XX/XX/XXXX, 2015 and was assigned a closing date of XXXX XXXX. XXXX XXXX was assigned as the mortgage banker. On the application I noticed that my home value was listed as {$320000.00}, where this figure came from I do not know. After the original good faith estimate was sent to me and prior to going forward and pre-paying for the appraisal, I asked XXXX XXXX if there were any issues that I should be concerned about and I was told no, everything was fine. Unbeknownst to me, the terms of the mortgage were based on a 60 % LTV which was exactly the {$190000.00} I needed to pay off my existing mortgage. This was never explained to me until after I was sent a new good faith estimate which required me to pay an additional {$1200.00} because the appraisal came back at {$310000.00}. When I questioned the appraisal, how XXXX of the comps used and my property were valued the same by the appraiser, yet the comp was assessed {$30000.00} less by XXXX XXXX, I received absolutely no reply from any representative at XXXX. ( I sent multiple emails to XXXX XXXX ). The appraiser also did not account for a storage shed that would have increased the value. In addition, although the closing date was originally set for the XXXX of XXXX, XXXX XXXX tried to arrange the closing the week of XXXX XXXX to which I was amenable, but when on XXXX I was not able to meet with the title company, I did not hear anything from XXXX XXXX until XXXX XXXX, after the closing date, despite calling and emailing him several times. Lastly, despite providing proof that my second half taxes had been paid by my existing mortgage holder ( record of funds coming out of my existing escrow account and being disbursed to XXXX XXXX ) I was required to pay an additional {$1300.00} to pay for the taxes. I was assured by XXXX XXXX that these funds would be held in escrow until the payment posted to XXXX XXXX website. That is not what happened! The funds were immediately paid to XXXX XXXX by XXXX XXXX XXXX. After realizing what happened I contacted XXXX XXXX regarding this and he told me that he would contact the title company to have my money returned to me. I have yet to hear from XXXX XXXX or the title company as to a resolution of this issue.
Product: Credit reporting or other personal consumer reports

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested
Product: Prepaid card

XXXX XXXX - {$200.00} I see that in the Merchant Description it says : COMPUTER PROGRAM/SYS DESIGN And this tells me that Chase did not investigate this case as through the XXXX  transaction it says I purchased Clothing/Freight so this Merchant description is false and I didnt buy anything related to Technology and the Merchant is lying and this is a fake ploy for them to win cases This is there official Website https : XXXX This is what I bought and it is not anything related to COMPUTER PROGRAM/SYS DESIGN
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the listed accounts below has violated my federally protected consumers right to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX Account # XXXX has violated my rights. 


15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 Usc 1681c ( a ) ( 5 ) section states, no consumer reporting agency may take 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 USC 1681s-2 ( A ) ( ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency it 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

Hello I lost my job and couldn't pay my credit cards three months all this happened during the coronavirus period i went through a hard time I paid all my debt to chase bank
Product: Vehicle loan or lease

On XX/XX/XXXX, I paid off my nearly 5 year car loan with Honda Finance Service DBA American Honda Finance Corp. On XX/XX/XXXX, I contacted the customer service line because I had yet to receive my title nor any communication with regards to its release. To my shock and dismay, the company claimed that my cars title was held in XXXX, of where I was a resident for nearly 3 years, which I refuted. 

I refuted this claim as I have since returned to XXXX  and was able to register the vehicle in the state. All issues of title and anything vehicle related has to be resolved before doing so. As a result, I was berated and hung up on- even my a supervisor upon request. 

I contacted XXXX  DMV on XX/XX/XXXX and they confirmed by skip tracing my vehicle history over the phone that there was never a concern with regards to title held in another state. They also reported to me that no notes on the matter raised by Honda were indicated. 

I also contacted XXXX DMV on XX/XX/XXXX and they advised me to send an SR-4 letter to the finance company to prove that XXXX  ( 1 ) never held title on my car and ( 2 ) does not stipulate having title as a prerequisite to register the call in the state. 

I relayed this information to XXXX from Honda when she called me after I filed a XXXX XXXX XXXX compliant-to which she sent a letter stating XXXX  XXXX, not XXXX  DMV as earlier mentioned, would not release my title to which I advised that my XXXX  SR-4 is in route to her office. She told me that Honda would request my title and I would hear back from her ; however, I did not. 

Honda reported to XXXX  that as far as they were concerned the matter is closed. However, this company no longer has interest in the car and the vehicle is paid off prior to the maturity date of the car loan agreement. This is unscrupulous business practice and bad business. 

Therefore, on XX/XX/XXXX, I told the company per Federal and state law, it has exceeded the 60 days timeframe in which to provide me a release of lease to which I received a call back from Honda Rep. XXXX requesting more time without a specific timeframe and continuously placing blame on the XXXX  DMV system that has already refuted their claims of needing proof of XXXX  removal of title. 

I am seeking CFPBs assistance in holding Honda reliable for its mix messaging and delay in releasing title. Tomorrow will mark 3 months since I have paid off my car note but I have nothing to show for it.
Product: Debt collection

My prior case I filed case # XXXX LVNV/Resurgent responded that if I send them a copy of the Identity Theft Report filed through www.identitytheft.gov they would resolve this matter. On XX/XX/XXXX  I fax a copy to them at XXXX the 3 pages that were from the FTC. The FTC identity theft report # is XXXX. They know there are UNAUTHORIZED CHARGES on this account. and still refuse to remove this negative misleading information from my credit reports. They ask for proof I send it to them and still refuse to remove this information.
Product: Mortgage

I have enrolled Equity Acceleration Program of Paymap since XXXX 2012. I just found that CFPB has taken action against Paymap and urged Paymap to refund money to consumers. I have not received refunds. Please help, or let me know where should I claim.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX reported a collections for a medical collection for {$1000.00}. I have filed a complaint with the BBB on this debt collector about this medical debt after being unable to get anyone to send me an invoice of what this charge is. I have never received a bill for this company and sent a letter asking them to send me the invoice and or bills with a detail explanation of the charges. This is a violation of HIPA. This also violates the new rule for medical collections not to be reported on a credit report. I have filed 3 disputes with the credit agencies with no progress from them to get his resolved or have I received any documentation of the collection charge.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the accounts, inquiries and erroneous personal information which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Owed : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX AZ XXXX ELAN XXXX SVC XXXX Date XXXX XXXX XX/XX/XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit card or prepaid card

I learned today, XX/XX/XXXX, from a credit alert email, that my medical CareCredit account with Synchrony Bank has been closed. When I called customer service ( Twice ), all they can tell me is that my account was closed on XX/XX/XXXX and I will be receiving a letter in 7-10 days explaining why. That's all. No explanation, no nothing. I've had this account since XXXX and my account has been in good standing. My last payment to bring my account to a {$0.00} balance was XX/XX/XXXX. There is no reason whatsoever that this account should have been closed. But they are quick to suggest that I can reapply for credit, again, which will reflect negatively on my credit report. Makes me wonder if they don't get some sort of bonus/kickback for the amount of new accounts they open. Plus, I have a dr 's appointment in a couple weeks and I will need to use this, but now that won't be possible. Something just doesn't seem right. And Customer Service isn't much of a service.
Product: Debt collection

Commonwealth Financial Systems is currently misrepresenting themselves as owners of a debt where the original creditor was XXXX XXXX XXXX , XXXX. I have not received any verification that they own the debt nor did I receive a letter from them providing me notice providing me with 30 days to dispute the validity of the debt. I came to the knowledge of this misinformation when I requested a copy of my XXXX and XXXX credit reports. In addition, the date the account was opened and the amount owed are inaccurate as the account became delinquent in 2011 and the the original balance is inaccurate as the debt was {$510.00}. What is more disconcerting is that this agency is claiming they owe this debt while at the same time another company called XXXX XXXX XXXX states that they own the debt. I have never received anything from XXXX XXXX XXXX indicating that they are in possession of this debt. Further, the Fair Credit Reporting Act ( FCRA ) states that credit bureaus should not report inaccurate information and the Fair Debt Collections Practices Act ( FDCPA ) states that debt collectors may not use " false, deceptive or misleading representation '' to attempt to collect a debt which XXXX XXXX XXXX is currently doing. This inaccurate information has caused adverse actions for me in terms of receiving credit and services. Not to mention, the embarrassment due to being denied credit.
Product: Checking or savings account

My father posed away and it was necessary for me to go through the probate process. Since then I have complete probate over 5 years ago yet the hold on my back account remains in place. As executor of the estate I have satisfied all debts. I have gone to the bank seeking resolution and they directed me to the county clerks office. I have contacted the county clerk of courts office seeking resolution to no avail.
Product: Checking or savings account

I had been a customer with Wells Fargo for several years starting after 2009. Throughout the years I was charged overdraft fees when I had the funds in the account. I finally decided to close all accounts associated with Wells Fargo due to this happening so many times. This caused me to lose money and to miss work to straighten this out. I went in each time to branch managers to take the fees off and they never did. 

When I decided to close the account, the bank continuously blew me off and said due to covid they could not help me close my account. I was told to make an appointment at my local branch finally ( XXXX, FL ) and they then refused my appointment and stated they had too many appointments scheduled. It was a terrible and exhausting experience to deal with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Credit reporting companies exert great influence over the lives of consumers. They help determine eligibility for loans, housing, and sometimes jobs. Consumers need an avenue of recourse when they feel they have been wronged. 
The consequences of errors in a consumer report can be catastrophic for consumers, shutting them out of credit markets, jeopardizing employment prospects, or significantly increasing the cost of housing, cost of insurance, and many other products. 
The study compared credit scores sold to creditors and those sold to consumers. The study found that about one in five consumers would likely receive a different score than the score provided to a lender. Why do lenders see a lower score than consumers, including those consumers who pay for memberships in the credit reporting companies, such as XXXX, XXXX and Experian. While they continue to redeem monthly payments from these consumers, they fail to accurately report the truth. One can pay off debt, one can remove inquiries only to be held as a hostage to these private companies. Other issues were around incorrect account status, wrong account information, wrong personal information, inaccurate public records, old information that reappears or never goes away, and information that should be on the report is missing. When disputing an error the consumer is only told that the debt has been validated through the lender, however no response on how this is determined is provided to the consumer who in fact has opened the dispute. There is absolutely no Transparency in this process, only to hold the consumer again as a hostage to the large companies. Why do these problems persist year after year, and what is being done about it? The score the lender pulls WILL differ from the one you used sometimes by several points, possibly enough to disqualify you from the best interest rate or maybe enough to have your application denied In 2019 I began my quest to repair and increase my credit score, in an effort to employ assistance I contacted XXXX XXXX, I had no idea that this would show derogatory on my reports., when I discovered this, I cancelled the contract with them and tried on my own. 
I have paid off the following accounts since that time XXXX XXXX XXXX, XXXX XXXX {$420.00} XXXX XXXX XXXX, XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$470.00} Removal of erroneous reporting : XXXX XXXX  Bill in someone elses name {$310.00} XXXX   XXXX, XXXX {$470.00} XXXX XXXX, XXXX Al {$970.00} My credit score was XXXX, in XXXX XXXX, as of today it is XXXX. Why, would the payments and removals not increase my score? When I started this journey, amount reported WAS over {$4500.00} of late or bad debt, it is now {$2000.00} due to a rental apartment in Texas that was NOT leased in my name. This debt is over 6 years old and should not be weighted to the point where I am still in the low 500s.
Product: Debt collection

SPRING OAKS CAPITAL LLC. In Pursuant of 15 U.S. Code 1692 ( a ) Congress finds there is abundant evidence of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasion one 's privacy.
Product: Debt collection

Oxygen XL is attempting to collect a debt that is not mine... I completed a form to inform Oxygen that the debt is not mine but they diregarded the information and are now attempting to collect fraudulent debt from me.
Product: Credit card or prepaid card

On XX/XX/2021, I discovered all my unemployment money was fraudently transferred out of my bank of America debit card. I was left with nothing. I have XXXX money to survive on. Bank of America has not helped me at all. They are supposed to give a credit in 10 days. They haven't. They hang up, transfer calls, lie, etc. I can't get help Spoke to over 20 people. 16 hours of phone calls. On XX/XX/7000 was fraudently transferred. On XX/XX/2170 was fraudently transferred. I filed a police report, a FBI report, froze my accounts and credit, done everything I could do My life is deteriorating and I can't afford my medicine. I'm unhealthy. XXXX. Had a XXXX. Please help.
Product: Checking or savings account

An account with Bank of America was opened fraudulently in my name. I have contacted Bank of America fraud and so far the account is still open and I am receiving statements of the account to my address.
Product: Credit reporting or other personal consumer reports

15 USC $ Permissible purpose of consumer reports1681b. 15 u.s.c. 1681a and 15 USC 1681.

15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability. 


Please Delete false information from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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, remove/delete the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below from my credit file. I am a victim of a data breach, and these entries are fraudulent and unauthorized. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have these items removed. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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