23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I requested a payoff letter from the Huntington mortgage portal on XXXX XXXX for a XX/XX/XXXX close date, it was immediately issued and I sent to my attorney for the close. 

XX/XX/XXXX we closed and the title company reached out to my attorney stating that they needed " a real payoff with information on where to send or to wire the payments '' and would withhold my proceedings from the sale until this was resolved. 

Given the time of night, I sent a message via their client portal to ask for assistance : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX I sold XXXX XXXX XXXX today and the title company -- XXXXXXXX XXXX -- deemed the payoff letter incomplete- they have asked for a " a real payoff with information on where to send or to wire the payments '' They are holding the proceeds of the sale without this letter. Per my attorney you should waive the per diem given the insufficiency of this letter. Please respond ASAP. 



After no response, I called on XX/XX/XXXX and spoke to XXXX. She informed me they do not waive the per diem and that I must have messed up the letter. I told her I was looking at the letter and confirmed had sent it properly and that the actual contents of their template were deemed insufficient by the title company. I informed her they were withholding my proceeds from the sale. 

I confirmed that the one from the portal was acceptable for closing and she said yes and that they always worked with XXXX XXXX  and no one had complained. 

I asked to speak to a manager. 

I then spoke to XXXX who said that they will not waive per diem and that she knows what the issue is ( indicating to me again that they know there is an issue with their letter ) and that I just need to provide a fax and they'll get a better letter issued to the title company. She said the portal letter was different -- but still confirmed it was supposed to be acceptable for closing. I then had to reach out to the title company to get the fax number. I asked for a direct line and she declined, giving me the general customer service line. She was also aware my proceeds were being withheld. 

I called again and spoke to XXXX -- she told me the payoff letter would take up to XXXX hours upon being briefed by the situation. I informed her that wasn't acceptable as I was paying per day and had already closed. She then put me through to a supervisor and the supervisor then said that they could get the letter out by end of day today. 

I am expected to pay the extra day this took and XXXX declined to assist in any way and declined to provide me a method to work with someone on resolution. 

Also, while trying to pull up information to submit this complaint, all of their online documents failed to load -- paperless statements were inaccessible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX XXXX : Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number # XXXX XXXX XXXX : Account number # XXXX XXXX XXXX : Account number # XXXX XXXX XXXX : Account number # XXXX XXXX XXXX XXXX : Account number # XXXX has violated my rights. 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 a consumer reporting agency can not furnish an 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 and other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 card

they closed my account for who knows what reason.. ok fine whatever then weeks later they removed my online banking access preventing me from viewing my balance and paying my bill via app which is how I normally make my payments.. Going forward I have no reliable way to check my account balance and make payments and I have to call if I remember to make payment ... Today I called and they say im past due XXXX days I received no call.. no statement.. nothing.. Also there was fraduelenct charges on the account that had to be disputed and I got no response on that also.
Product: Debt collection

Upon checking my credit report in XX/XX/2018, I noticed a collection account names SARMA Collections Inc, stating I owed {$460.00}. Not only did I not receive official notice in the mail, On XX/XX/2018, I sent a certified letter disputing the account until they could verify it. I have delivery /confirmation for the letter dated more than 30 days ago. They have not responded with verification, nor did they let the 3 credit reporting agencies know I was disputing/ this account.
Product: Mortgage

i began requesting a payoff balance on XXXX with Key Bank. They notified me that they needed the original Trustee to sign the authorization. I did that on XX/XX/XXXX and faxed & emailed the request again... multiple times. They are not responding to me at all. I am holding up the owners proceeds until I get this payoff statement. This time frame is absolutely unacceptable and they need to respond to the request sent multiple times. It is now XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified multiple accounts on my credit report that are a result of identity theft, and I wish to exercise my rights as a consumer protected under relevant laws and regulations. I have already taken the necessary steps to contact the companies involved in these accounts to inform them of the fraudulent nature of these entries. They have been made aware of the fraud and have acknowledged the issue. 
As a responsible consumer and as provided by the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( ITADA ), I demanded they take the appropriate actions to block and delete the following fraudulent accounts from my credit report : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Account Type : Collection Status : Collection account. {$260.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Auto Loan Status : Account charged off. {$53000.00} written off. {$57000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Credit card Status : Open. {$150.00} past due as of XX/XX/XXXX. 
I understand that as a consumer, I have the right to protection against identity theft as mandated by the FCRA. I expect the CRA to conduct a thorough investigation into these disputed accounts within 30 days, in compliance with the FCRA, and provide me with written updates regarding the progress of said investigation. 
Moreover, I insist on the protection of my personal information as granted under the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ). Any information regarding my credit report should remain confidential and should not be shared without my explicit permission. 
I am aware of my rights to consumer report privacy as stipulated by the FCRA, and these CRAs are not respecting these rights. 
Please note that I have provided all relevant supporting documents as evidence of identity theft, including FTC reports and correspondence with the respective companies acknowledging the fraudulent nature of the accounts. 
I expect that this matter is treated with the utmost seriousness and urgency. This is the last time I am requesting cooperation in handling this dispute fairly. If these fraudulent accounts are not promptly removed from my credit report, I will have no choice but to seek legal action against these agencies for failing to comply with the law. 
As a responsible consumer, I have been vigilant in addressing these issues promptly, and I believe in the fair and accurate reporting of credit information. I trust that this matter will be handled with the respect and adherence to consumer law that it deserves. I look forward to receiving a response and to see resolution of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were suspicious hard inquiries about my credit that I did not authorize. It happened XX/XX/XXXX and XX/XX/XXXX. I was at work on those dates but I received a notification that there were changes on my credit report thats why I log in to my account. I saw that there were atleast 7 hard inquiries from different companies that I did not authorize. That is unlawful and that is illegal viewing of my finances. I never gave authority to any body to view my credit, especially without my knowledge. It was for car loan credit inquiries. I went to XXXX car dealership in XXXX and spoke to the manager. I told the manager that they run my credit without my permission and I really wan na complain about it. I told them that its a serious matter for me and I felt very threatened and furious of what happened. It could be identity theft and I was so sleepless for two nights because of that. I was told by the manager that somebody represented me on my behalf and told them that shes my nom. They ran my credit without my consent for several times without even double checking and asking for my ID. I really felt that these companies violated my privacy and rights. I am so afraid and XXXX XXXX right now at the same time and I wan na take this in legal action.
Product: Payday loan, title loan, or personal loan

I applied for a {$1200.00} loan on XX/XX/23 and recieved the funds the next day. 

Upon looking at the loan agreement, the interest rate is XXXX %. Absolutely predatory. For 40 weekly payments of {$160.00} for a total amount of {$6400.00}. 

I can't even pay off the loan online, I have to call them to make any additional payments. They say there is no penalty for paying early, but they sure make it hard to do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion-XXXX  & XXXX  are ALL still listing a bill from orig. fro XXXX never heard of them I have ask numerous times for proof of ownership as I know there is NOE it is NOT mine I have been disputing this for years there is also a co borrower i have NEVER even heard of THIS COMPANY NEEDS INVESTIGATED AS XXXX THEM THEY HAVE DONE THIS TO THOUSANDS OF PEOPLE THEY NEED SUED I WANT THIS REMOVED FROM MY CREDIT REPORTS & ALL NEGATIVE REMARKS GONE AS IF THEY CANT SHOW OWNERSHIP I OWN THIS AFTER YEARS THERE NOT GOING TO -- -THEY HAVE HAVE SEVERAL COMPANIES LISTED NUMEROUS TIMES AS HARD INQUIRIES THEY NEED REMOVED THE DOUBLE ONES & ON MY STUDENT LOANS I AM ON SOCIAL SECURITY XXXX AND XXXX  I HAVE FILED THOSE SHOULD BE REMOVED AS LATE OR OWED THIS IS CRAZY THAT I HAVE FILED WITH THE FTC IDENITY THEFT & STILL THESE BUREAUS AFTER DISPUTING FOR YEARS NOW LET THIS STAY ON THERE CLEAN IT UP SO I CAN GET A HOME LOAN
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, I deposited a check for {$1100.00} via mobile deposit into my Citibank XXXX Account ending in XXXX. On XX/XX/year>, without prior notice, Citibank restricted my account, claiming an issue with the check 's validity. By XX/XX/year>, they completely closed my account. 
Critical Issues : The deposited check was legitimate, as proven by successful deposit at another financial institution on XX/XX/year>. 
Citibank continued to accept deposits while preventing withdrawals. 
The bank provided no substantive explanation for the account closure. 

I have already : Filed an initial CFPB XXXX Filed a XXXX  complaint Received and rejected Citibank 's response Sent a formal demand letter to Citibank 's legal department on XX/XX/year> Specific Violations : Potential breach of Electronic Fund Transfer Act Possible Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Improper account management
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach, in which my personal information was exposed. As a result of this breach, I am requesting that any fraudulent inquiries, collections, and accounts opened in my name be blocked and deleted in accordance with my rights under 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Specifically, I request that Equifax block and delete : Collection Accounts : - XXXX XXXX XXXX -- - Balance {$13000.00} Inquiries : - XXXX XXXX  - XXXX XXXX These inquires and collection accounts were created as a result of identity theft or unauthorized use of my personal information. I know this is a direct consequence of the data breach and should be promptly addressed.

To support my request, I have enclosed the following documentation : A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). A copy of my government-issued identification, Proof of address Any other required documents for verifying my identity and the fraudulent activity.

Please take the necessary steps to block and delete this fraudulent inquiries associated with identity theft from my credit file. In accordance with the FCRA, I request written confirmation that these actions have been completed and that my credit report has been updated accordingly.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$2500.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

I HAVE QUALIFIED FOR THE PSLF FOR THE LAST 18 YEARS. I HAVE APPLIED MORE THAN 3 TIMES AND HAVE RECEIVED NO CLEAR APPROVAL OR DENIAL.
Product: Student loan

I did not receive a document stating from Aidvantage that student loans will start accruing on XX/XX/, and on a phone call with a representative, they said they failed to send it. I did not receive any statements, or correspondence via the mail. Moreover, they incorrectly accrued a massive amount of unpaid interest to my principal balance since XX/XX/, and I do not have correct details on their calculation. Since XX/XX/, I continuously saw {$0.00} amount due on their website for each active loan ( even during and without autopay ) and it was never clear I had to be making monthly payments.
Product: Debt collection

I received this bill from a bank I have no record of dealing with. 

And apparently, I have a past due to an unknown. 

Can you assist? 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX 's error. Like XXXX, it is in forebearance since XX/XX/year>. A demand letter was sent to correct this error and remove these negative items. They have updated the site but not the credit report
Product: Credit reporting

My name is XXXX and I am writing you about a bankruptcy listed on my Experian credit report, in which I have tried to have it removed. Apparently someone with a similar name to mine filed bankruptcy in the United States Bankruptcy Court Northern District of Illinois, and it is appearing on my credit report. After contacting the Bankruptcy Court, they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As they well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. They continue to report the bankruptcy verified. Please find with this complete of my proof that they have never verified this with the furnisher. 

" Under Section 611 of the FCRA, if a consumer disputes the completeness or accuracy of his or her credit file, the credit bureau has an obligation to conduct a reasonable reinvestigation.79 Thebureaumustgenerally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 Moreover, it has five business days to forward the dispute to the relevant furnisher.81 The credit bureau notification to the furnisher shall include all relevant information received from the consumer.82 Ifthereinvestigationdeterminesthattheconsumer'sdataisinaccurate, incomplete, or can not be verified, the bureau must delete the disputed data.83 Furnishershaveindependentobligationsunderthe FCRA, after receiving notice from a CRA of a consumer dispute, pursuant to Section 611 to conduct an investigation into the disputed information, to review all the relevant information provided by the CRA, and to report the results of the investigation to the CRA. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Account # XXXX, XXXX, XXXX has violated my rights. I have an open credit card late payment, that should not exist.
Product: Checking or savings account

PLEASE REMOVE ANY ACCOUNT THAT IS LINKED TO MY PERSONAL INFORMATION SOMEONE ELSE IS USING MY PERSONAL INFORMATION TO MAKE ACCOUNTS WITHOUT MY AUTHORIZATION THANK YOU PLEASE NOTIFY XXXX   ABOUT THIS PROBLEM TO UPDATE THIS INFORMATION WHY YOU ARE HARMFUL AND DO NOT LET ME TAKE ACCOUNT WITH OTHER BANKS.
Product: Debt collection

I am writing to address the late payments on my account with reference number XXXX. I recently noticed that there have been instances of late payments reported on my credit report for the past few months. XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX - XXXX - XX/XX/XXXX - $ XXXX XXXXXXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$9400.00} XXXX - XXXX - XX/XX/XXXX - {$830.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$13000.00} XXXX  - XXXX - XX/XX/XXXX - {$9900.00} XXXX  - XXXX - XX/XX/XXXX - {$740.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$410.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$610.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$810.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$1000.00} XXXX - XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$3200.00} XXXX - XXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX - {$2600.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$9900.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$740.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1400.00} INQUIRIES : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX