23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XX/XX/2021 XXXX XXXX  PST i would also like the removal of loan depot employee XXXX XXXX NMLS # XXXX and license revoked immediately he has treated me unfair, has provided misleading information, false information and has breach the contract i made with loan depot XXXX XXXX XX/XX/2021 XXXX XXXX  PST I XXXX XXXX, have started a lawsuit against loan depot in small claims ct and will be suing loan depot for pain and suffering, false information, racial profiling, breach of contract and hrs of painstaking work to try to get loan depot to no escrow the account and respond. 
I will be suing for XXXX XXXX dollars plus damages plus lawyer fees. 

XXXX XXXX XX/XX/2021 XXXX XXXX  PST it has been more than 48 hrs and still no response i demand a response to the request or there will be legal involvement XXXX XXXX XX/XX/2021 XXXX XXXX  PST pls update me on the status of the signed written request for the non escrow of the account. that i have faxed over to loan depot. to the fax provided XXXX XXXX XX/XX/2021 XXXX XXXX  PST i have faxed over the signed written request. 
XXXX update me on the status XXXX XXXX XX/XX/2021 XXXX XXXX  PST Re : Loan number XXXX Dear XXXX XXXX XXXX XXXX, Thank you for your recent inquiry regarding your loan. 
In order to have your loan reviewed for an escrow waiver, please send a signed, written request to : Attn : Research Department XXXX XXXX XXXX XXXX, NJ XXXX Fax : XXXX If you have a question and would like to speak with a representative, you can initiate a Chat session by? Live Chat? or send a secure message by selecting? Ask a Question?. 

Thank you for giving us an opportunity to be of service to you. 

Sincerely, XXXX XXXX E-mail Support Representative XXXX XXXX XX/XX/2021 XXXX XXXX  PST i want to non escrow account and would like to keep same insurance
Product: Debt collection

I have never damage XXXX and XXXX to which I have spoken to and they said that they paid this bill. I should a Of the no medical bills on my credit report for they are all paid for by just insurance100 per cent
Product: Credit reporting or other personal consumer reports

Transunion has XXXX fraudulent inquiries on my credit report. I have disputed them and tried to contact the companies with no results. Transunion refuses to remove them from my report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

i am writing to formally express my concerns regarding zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting in significant issues with the platform. Despise using zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company is reporting a collection that is not mines and hard inquires that's also not mines
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : 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 XXXXXX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX I had a routine medical checkup for lower back issues. As this medical practice was reported in network for my insurance company at the time, I only was charged a copay of {$25.00}. That was the last I heard anything in regards to this visit until I received a collection letter from Remex collection agency over 4 years later, in XXXX of XXXX. That letter states that I owe an amount of {$1300.00}. The insurance companies refuse to help or pay claiming that it was out of network and they claim that this was my responsibility as well. Once again, first time I heard anything about this. I dont think anyone would be happy or count it fair to send out a collections letter over 4 years later from a doctors visit. Im trying to refinance my home and this just lowered my credit hindering me from doing so. This is not fair or legal for any corporation to wrongfully and unfairly slap this on someones credit report. I had an attorney send a letter but they ignored that as well. Any help for restitution and looking into an unfair and shady practice such as this would be helpful to myself and any pat and future victims. Thank you
Product: Debt collection

In accordance with the Fair Credit Report Act XXXX  Account : XXXX and Amount Collect : {$100.00} and Account : XXXX Amount : {$120.00} from Creditor : 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 an account without my written instructions.
Product: Mortgage

My loan has been sold numerous times from XXXX XXXX XXXX XX/XX/XXXX to XXXX, to XXXX, to XXXX, to Bayview Loan Servicing. I am not sure who owns my property now as I can not get anyone ( XXXX XXXX, my servicer from Bayview ) to return my calls or send me a loan modification package. After working with XXXX in XX/XX/XXXX for nearly a year to get an approved loan modification, I was approved only for XXXX to tell me that a new servicer would need to modify my mortgage. Then a month later, it was resold again to yet another servicer Bayview. Bayview has been sending property inspectors or field servicers to my home harassing me and my tenants as well as my neighbors. These inspectors beep there horns in the middle of the street, pace my home at all hours of the day and night, pull into my driveway, get out of their cars with my minor son standing outside and my XXXX barking- ready to bite. Specifically, they were here on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently Sunday XXXX XXXX at XXXX. The woman drives a XXXX Jetta and is XXXX and brings her family members onto my property. On XXXX XXXX this woman pulled into my driveway with my XXXX son standing there and the dogs barking. Both her and her son walk around my house, walk on my porch, taking pictures, even looking in the windows. My son called me and I told this woman and her young son NOT to enter my property, that I am not moving and that she is trespassing. She says " I am from the mortgage company '' and she refuses to show ID and she continues to enter my front porch, open garage, and looks into my windows taking pictures while we are home!!! I told her to take her pictures from the street which shows the home clearly visible and occupied. Her XXXX son said there are no trespassing signs and he can enter my property anytime. I told the son and XXXX mother I do not need any signs and not to enter my property again. On XXXX XXXX I sent a facsimile to the servicer, Bayview telling them that this is harassment and the inspector is trespassing and may get bite by my dogs. I told them to cease allowing their inspector or contractor from illegal collection actions. My tenants are upset, my son, and I am sick and have been missing time from work with the XXXX. On XXXX XXXX, my son pulled into the driveway to find this same woman in the Jetta on my porch peaking in my windows. The dogs were barking and this woman did n't care. My son told her I was n't home and she should leave because he is only XXXX. The inspector had a young woman and baby with her in her car. Then my tenant pulled into the driveway and asked if he could help them. The young woman in the car yelled obscenities out of the car window and they drove off really fast! I am seeking your help and requesting damages as this type of practice is unacceptable. I am again sending the mortgage company notification to STOP allowing inspectors to enter my property. Any help you can provide would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. Per FCRA section 605b, the credit bureau are required to remove any items listed on an id theft report. Please help me find the required documents to assist in the removal of the erroneous information which is being posted to my report.
Product: Vehicle loan or lease

cap-one finance has this excellent program that takes most of the hassle out of car buying ... ..they have a program that pulls a soft pull from ur credit report ... .it only becomes a hard pull is if u accept the load and go to the car dealership ... ..the dealership has to pull ur credit to make it a hard pull ... but all the negotiating is done thru cap-one ... so the way this program is set up they pull a soft credit then they let u know if u qualify and for how much ... they approved me for XXXX ... as the process was going on for each car i was interested in i would call cap-one rep and they would ask can they pull my navigator up so they can see what intrest and if they will pay full price for that car ... i saved bout 5 cars in my navigator ... .and each time i called them i gave them the vin number to the car alone with the car lot name to make sure they were a part of the program ... as 1 called them each time i would give them all the info on the car they would plug it in the navigator and tell me what the intrest was and if they would pay full price for the car ... .i came across the car i did buy thru them and ehrn the rep checked on that car it made the most sense ... i was quoted a 10.16 with a car note of XXXX $ a month ... .every call that i made was recorded ... everytime i called it always said this conversation is being recorded ... i didnt have my glasses when i signed my contract ... .but there was nothing to be allarmed about because me and cap-one had already came up with how much i can finance and what everything ... would be ... including my gap and my tax, title, and licenses ... after signing the papers a week later i was reading over them again and i discovered that intrest rate is wrong so i called cap-one and i told them that this id not what we agreeed on verbally ... and thats what was already setup in my navigator ... .cap-one told me that it was the car lot mistake but i dis agree because all the carlot was suppose to do is pull all of my info from my navigator ... .all the number were already talked out with cap-one ... .cap-one said that i signed so aint nothing they can do and i told them that them and i had a verbal agreement that they refuse to uphold their end of the bargin ... .i have proof what they said cause all of my calls were recorded ....
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, XXXX  XXXX Phone : XXXX Email : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Reinserted Account on My Credit Report To whom it may concern : I am writing to formally dispute a reinserted account that has appeared on my credit report managed by TransUnion. This account had previously been removed from my credit file, and its reinsertion without the proper notification and verification constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

According to the provisions of the FCRA, if a previously deleted account is reinserted into a consumer 's credit report, the consumer reporting agency must : Notify the consumer in writing within XXXX business days of the reinsertion of the account. 

Provide verification that the account has been reinserted with accurate and complete information from the furnisher of the account. 

I respectfully request that TransUnion : Conduct a thorough reinvestigation of the reinserted account to ensure that it meets the verification and accuracy requirements mandated by federal law. 

Provide written documentation of the reinsertion process and the verification steps taken. 

Remove the reinserted account from my credit report if it can not be verified as accurate and complete. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in the verification process. 

Thank you for your prompt attention to this matter. I trust that TransUnion will handle this dispute in compliance with the FCRA and ensure that my credit report remains accurate and fair. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( Reinsertion of Previously Deleted Information ) Under this section of the Fair Credit Reporting Act, if a consumer reporting agency reinserts previously deleted information into a consumer 's credit report, the agency must : Notify the consumer within XXXX business days of the reinsertion. 

Provide the consumer with the name, address, and phone number of the furnisher of the information. 

Ensure that the information has been verified as accurate before it is reinserted. 

Failure to comply with these requirements constitutes a violation of the FCRA and entitles the consumer to dispute the reinsertion and seek appropriate remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED XXXX ACCT # XXXX TO HAVE ME REMOVE OFF THE ACCT AND CREDIT REPORT : XXXX XXXX SS # XXXX XX/XX/XXXX WHAT IS THE PROBLEM?
Product: Payday loan, title loan, or personal loan

I borrowed a loan in the amount of {$1700.00} from Money Lion Phone XXXX on XX/XX/XXXX. The payments were {$410.00} a month and I thought a portion of that would go towards the principal. I was wrong because after making a few payments, I logged into the Money Lion account and saw that the {$410.00} was interest only. I filed a prior complaint about this in XX/XX/XXXX with CFPB. On XX/XX/XXXX Money Lion emailed me another payment plan which was scheduled to start on XX/XX/XXXX, biweekly for {$86.00} with a final payment on XX/XX/XXXX. 

I missed a few payments due to the previous payments made towards this loan, and that caused me to be late paying other bills rent, utilities etc. I received a letter in XX/XX/XXXX stating that I would be taken to court if I did not follow the new payment schedule for a balance of XXXX. Granted, this is a loan that I know has to be repaid but the interest rate is ridiculous. The new contact that Ive spoken with is XXXX at XXXX ext. XXXX. It is as if nothing I paid was applied to the loan. As of XX/XX/XXXX I have paid this lender the following. 
XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX XX/XX/XXXX Amt XXXX Total {$1700.00} Even with a missed payment what is the actual amount owed?
Product: Credit card or prepaid card

I was recently a victim of consumer fraud, and I have been unable to get any relief from the consumer credit company, TD Bank/TD card Services. I am a customer of XXXX XXXX XXXX and have an established credit account ( recently closed ) with TD Bank who finances the transactions for them. 

In XXXX of 2020 I received a bill from TD Bank for {$1700.00} for merchandise purchased from XXXX XXXX in XXXX, SC on XX/XX/2020 ( invoice attached ). Note that I have never patronized the XXXX location because I live in XXXX and have only shopped at the XXXX store. 

Someone impersonating me with my identification information fraudulently purchased merchandise using my credit account. They signed the receipt and drove off with the merchandise. I have subsequently formally disputed the charge on 2 occasions and have provided to them all required information and forms to TD Bank, all attached. I have also filed a police report with the XXXX, SC Sheriff, Case number available upon request. Unfortunately, this type of petty crime often receives little attention. 

I visited the XXXX XXXX store in XXXX, SC, and interviewed the salesman, XXXX XXXX, who worked with the impersonator. He acknowledged that I was not the person he worked with. Because I have a strong suspicion of who might have knowledge of my personal information and who would be able to successfully impersonate me, I showed XXXX a picture of my sister. He positively identified her with 80 % certainty as the person who he worked with on the transaction. 

Both TD Bank and the XXXX police have all of this information. Yet, TD Bank, XXXX XXXX in their Fraud Department XXXX, insists that I am still responsible for the transaction because a signature was written on the bottom of the receipt/invoice attached. The signature is not mine, and it bears no resemblance to my signature that both TD Bank and XXXX XXXX should have on file. 

Can you please help me with my dispute of the {$1700.00} charge? I clearly did not purchase the merchandise and did not sign for it, Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX all have 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

EXPERIAN XXXX XXXX XXXX OF XXXX is breaking the consumer law pertaining to Acct # XXXX and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING XXXX DEMANDING this ACCOUNT corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE XXXX XXXX & XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act to conduct reasonable investigation of disputed information on my credit report leaving inaccurate and unverified accounts resolved. The CFPD has recently filed a lawsuit against experian alleging issues such as to failing to forward consumer provided evidence to furnishers. This failure aligns with my recent complaint where Experian refused to correct and remove inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issues is with XXXX XXXX, XXXX, Experian and XXXX. I have an acct from XXXX that was charged off that still shows late payments. It is reflecting that the account has been charged off twice. There are multiple inaccuracies that they continue report. My credit report does not reflect any notice of the multiple disputes that I initiated. The bureaus are not reflecting the correct date of last payment and last activity. All of the 3 bureaus are saying that they verified the information but all 3 bureaus are reporting different info. There is no original amount on some of the bureaus and there is no high balance. Failing to update means the account was never investigated. If it was investigated the status updated should be current. They have a lack of limit and XXXX is showing that the account is open with Current payments after being charged off. 
XXXX I requested that XXXX , Experian and XXXX remove the XXXX account. I have even sent multiple letters to XXXX requesting that the debt be deleted due to inaccurate information listed on my credit report, XXXX has no credit limit or high credit amount. I have continued to reach out to the bureaus, the creditors and the collection agency. I have had no relief and had to suffer exorbitant interest rates, denial of employment, government benefits and even housing.
Product: Checking or savings account

XXXX Wells Fargo the height of it was XXXX  I ended up abandoning the account. They charged me so much overdraft fees it was ridiculous. I want my money back they would not help me at all. I just got some money back from them for fees regarding something else but he said he could help with the overdraft fees. I believe over the charges are over {$2000.00}.
Product: Vehicle loan or lease

This Vehicle was purchased XX/XX/XXXX. I asked the dealer was there any issues with the vehicle. He stated that he had it service and it was good to go. Day one of having this vehicle the check engine light kept coming on. I contacted the dealer and had me to take the vehicle to XXXX XXXX. They stated that it was the Throttle Body. They allowed me to leave it and they repaired. The vehicle was sent to XXXX XXXX   several time and issues remained. I received the vehicle back with the same issues and was took back to XXXX XXXX several times. Issues was never fixed nor did the check engine light go out. The dealer sent the truck to another service company and they found other issues. The dealer made me purchase a warranty XX/XX/XXXX( XXXX ) and it took forever to fix the vehicle and I had to rent a rental car for a long period of time. The check engine remained on. The vehicle had to have transmission rebuilt ( XXXX ). Now the vehicle is in the shop again for Engine misfire. The coil, spark plugs, wires and all have been replaces. The issues still remain. The serviceman stated that the motor and or fuel rail has been swapped out. The service man is stating that we can either get a cam shaft ( XXXX  ) or engine ( XXXX ) I still have a loan in the amount of XXXX on the vehicle. I contacted the dealer and explained the issue to him and he suggested that I purchase another warranty. I explained to him why would I do that after hearing that the motor and fuel rail has been swapped on this vehicle. I have put so much money in the lemon to where it could be half way paid off. Before purchasing this vehicle I explained to the dealer what I wanted and he promised me what I asked for. There has been issues since purchase and dealer wouldn't trade it out for nothing better. This vehicle has put me in a hardship to where I can barely pay my bills, daycare, car note, insurance and etc.