23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I purchased solar panels for my home using Mosaic financing. Upon selling my home on XX/XX/2019, the loan was transferred to the new home owner. On XX/XX/2019, an installment payment was taken from my bank account for the loan. I called Mosaic on XX/XX/2019 and was advised that they needed a copy of the deed to finalize the loan assumption. I sent in the required documentation that day and was told that the document was received, but needed to be processed. By XX/XX/XXXX, I still had not received any correspondence regarding the finalization of the transfer or the refund of the payment. I called Mosaic again and spoke to a customer service representative who I previously spoke with. He tells me that I will continue to be billed and that there is nothing he can do about my refund, even though the house has been sold and I have documentation of the lien release and loan transfer signed by the senior director of loan operations. We are approaching the next billing cycle and I should not be billed for a product that is no longer mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XX/XX/XXXX
Product: Checking or savings account

Hello, My compliment is about unfair and invalid two fees were charged from my account. my bank account with Arvest is " Free Blue '' without overdraft service protection. 
The transactions are : XX/XX/2020 MEMO CREATED BY NSF SUPPORT : {$17.00} MEMO CREATED BY NSF SUPPORT : {$17.00} I don't know why I have been charged those fees, I tried my best to solve this problem with the bank, but the staff were very hard and not understandable, and very rude with me. Every one of the staff trying to told me this is our policy and we have to follow, and I'm not sure why they did not tell me that before when I opened my account. That's so unfair from a Bank company.
Product: Credit reporting or other personal consumer reports

Delete account XXXX XXXXXXXX Delete account XXXX XXXX  XX/XX/XXXX Delete account XXXX XXXX XXXX XXXX XX/XX/XXXX Delete account XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX delete account XXXX XXXX XXXXXXXX delete account XXXX XX/XX/XXXX delete account XXXX XXXXXXXX XXXX XX/XX/XXXX. They are in violation of the FDCPA Laws.
Product: Mortgage

- I got in New American funding to process a loan for my investment property. The conversation was going fine and we signed a loan disclosure and began a loan process with them. We were shopping around for better rates and were very clear from the start. Once we gave them a chance to match another offer. The second time we got a better loan offer, we were clear with our loan officer and let him know to keep things on hold till we were shopping around. Yet he went ahead and scheduled an appraisal report, which we did not pay for.

The next two days we got continual pay requests from XXXX XXXX XXXX. I replied to the email letting them know to put things on hold, and also gave them a call and let them know we were considering other offers. The phone lady said she would put a note in our file. The next morning they went and did the appraisal without our permission or payment. 

Then they emailed us and said we had to pay for the services rendered and the services were a part of the new American disclosures and we had to pay them. 

All of this happened when all parties were aware we were considering new offers. Now, the new lending company, maybe unable to use the appraisal transfer and we will have to pay for the appraisal again. The appraisal fee was XXXX dollars. 

All parties were aware we have never owned a property before, and were unaware of such legally binding agreements. They were also fully aware that we hadnt consented to the appraisal, which we had conveyed to them through several means of communication.
Product: Credit reporting

I noticed my checking had a withdrawal that I did authorize to Experion Credit Reporting. I called them immediately and told them that I never contracted with them nor ever received a credit report from them. They stopped the payment but told me that they have been taking the {$25.00} every month since XXXX. It 's an account I rarely use and keep little money in so I did n't realize it right away. I was told that someone named XXXX XXXX had been receiving credit reports, so I asked for her information to have her prosecuted. I was told to contact Experion 's Consumer Relations Group for this information. I contacted them in XXXX XXXX requesting a credit report and a refund. I received a credit report but no written response. I again wrote them XX/XX/XXXX ( sent return receipt, which they signed for ) and received no response. I believe they hope I will go away. I way be a victim of fraud and they do n't seem to want to take responsibility for that. Also, I never contracted with them, received no services from them and they benefited approximately {$900.00} of my money ( {$24.00} from XX/XX/XXXX to XX/XX/XXXX ) I believe this needs to be investigated and hope you can help me with this situation.
Product: Mortgage

I am reaching out in regards of the complaint that I have. I was in the a processing of purchasing a home through BMO Harris Bank. XXXX XXXX who was my lender would approve my application and I give her everything she asked for then she would turn around and decline my FHA application. XXXX done this to me three times. It got to the point that I went inside the branch to file a complaint and requested to speak to her manager regarding this matter. The supervisor of XXXX XXXX got back with me until months later. So I applied again and XXXX approved my loan application again. At this point I was very close to closing and didnt want anything to happen. XXXX went from telling me I need XXXX, XXXX to XXXX at closing for my closing cost. I went back up to the branch at speak to XXXX and the branch manager at BMO Harris bank requesting for her supervisor to please take a look at my paperwork because it just wasnt sitting right with me. XXXX and the branch manager was really trying their hardest to help me with my mortgage loan. The manager finally got back to me in late XXXX of XXXX I was suppose to close on my home that XX/XX/XXXX. Two days before my closing date XXXX XXXX once again declined my loan application. I felt like I was being targeted by her because of my race. Her supervisor XXXX XXXX explained to me that my loan application was going to be declined regardless because she done my paperwork wrong. So at this point the guy that was selling the home no longer wanted to wait on BMO Harris and he felt like that BMO was also discriminating against me. Unfortunately someone purchased the home now. XXXX XXXX told me that she would have someone else help me with my loan but to look for another home. I didnt want another home, I wanted that home, the seller took his house off market for almost a year because he was determine to give me the home for myself and children. But he no longer wanted to deal with BMO Harris. I feel like all of this could have be avoided if XXXX would have stepped in when I requested for her to. When I reached out to XXXX to asked why my application was denied again she ignored me. I felt like this was all a game to them and I was taking as an joke. I even reached out to BMO Harris myself requesting to file an complaint and to speak to XXXX. No one from that bank ever followed back up with me regarding this issue. I was treated unfairly. I also work at a bank and I never done a client how BMO Harris done to me.
Product: Credit card or prepaid card

On XXXX23 I was alerted by message from Comenity to hat there was suspicious activity on my account of charges for {$.00}. They asked if these were my charges and I replied no. They replied there was nothing further for me to do on my part and they were closing my card and issuing me a new one. I did on that day try to call anyway to make sure all was ok but for several hours the calls just kept disconnecting on every prompt I pushed for a representative. I received the new card and no billing statements so I assumed all was ok and the fraud charges were removed. Today, XXXX23 I received a credit alert that there was a report of a delinquent account..Comenity! For a total of {$45.00}. I logged in online and was able to see the charges. They are broken down as such ; XXXX23 10 separate charges for {$.00} each XXXX23 late fee of {$9.00} XXXX23 interest of {$2.00} XXXX-23 late fee of {$21.00} XXXX-23 interest of {$2.00} I tried again today for over 2 hours to contact them and the same thing! Disconnected over and over! I sent an email and attached the message alert with confirmation from XXXX-23. I also sent a written letter out today and disputed the charges with full explanation, in writing.

While looking up the address I saw where I had 60 days from the date the charge was made to dispute but I did verify on that exact date that it was fraud and was told I didnt need to take any further action. Although I did try but was unsuccessful in calling. I was unaware the charges still existed until today when I received the credit alert. I also saw in that same literature where Comenity can not report you delinquent to credit agencies if there is a charge in dispute. They had proof from XXXX-23 that the charge wasnt valid because it was confirmed when they closed the card and sent me a new one. They should have never reported me delinquent to credit agencies. 
Important **** the card number listed is the old card number. The new one ends in XXXX but I dont know the full number because I have not activated the new card and put it away. The number that will be listed in the card number section will be The old card number.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and identity theft. As a result of this breach, I am requesting that all unauthorized accounts associated with my name be blocked and deleted from my credit report, as outlined under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Unauthorized Accounts XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$2400.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$1100.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$2400.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$2500.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$0.00}
Product: Debt collection

Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Equifax Data Breach and Consumer Protection Dear Sir/Madam, I am writing to file a formal complaint regarding the Equifax data breach that occurred in [ insert year of breach ]. As a result of this breach, my personal and financial information was compromised, leading to significant concerns about the security of my data and the potential for identity theft and fraud. 

Specifically, I am concerned about the following issues related to the breach : Inadequate Notification : I was not promptly or adequately informed by Equifax about the breach or the steps I should take to protect myself and my credit information.
Product: Debt collection

Received a collection letter from Frost-Arnett collection agency stating I owe XXXX XXXX XXXX account XXXX XXXX {$84.00} ( Reference XXXX. I do not know what this bill is for and have received nothing outside of this collection notice from XXXX XXXX XXXX. 

There are XXXX XXXX reviews for XXXX XXXX XXXX online all stating billing issues with this entity or being billed by this provider without having ever been a patient. An investigation into this organization/provider seems necessary.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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: Debt collection

The business I worked for, XXXX XXXX, closed in early XXXX. No outstanding debts were due by the company when all affiliated accounts were closed with the third parties. XXXX XXXX XXXX, a subsidiary of XXXX XXXX XXXX, was officially contacted to close the business account. The salesman said he did close the account and that there was XXXX balance back in XX/XX/XXXX. However, after two years of the XXXX business closing, XXXX XXXX XXXX sent an approximately {$300.00} bill against my personal credit reports through Southwest Recovery Services ( collection agency ), even though the account was closed with XXXX balance and it was a business contract signed by an XXXX officer back in XXXX. Therefore, there should be no personal liability for a closed business account that all affiliated companies know was closed and was an unused credit card processing account. These companies never return voicemails and rarely answer the phone after hours of calling. When I did reach each company, they pointed to the other companies to provide information and they acknowledge the old account was unused ( and not closed properly by their own company, possibly by a salesman that didn't want to lose another account ). They refuse to close the account the right way because of the open collection attempt against me personally for monthly fees for over two years for an account that was properly closed on the side of my former business. They hide behind each of their partner companies and continue to add monthly fees for an unused account that they refuse to close the right way while the {$300.00} collections attempt is outstanding. However, even if I paid personally for a closed XXXX, they could just send another collections attempt for the additional monthly services fees for the unused account perpetually since they refuse to close the account the proper way in their systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a payment history of our closed mortgage account from XXXX XXXX XXXX. After an very long investigation, we found out that XXXX is reporting very different data to the XXXX credit bureaus. For Transunion the data has been changing still after the closing of the account. It is only reporting XXXX of the XXXX payments that were made. This is separate from reporting the accounts monthly status as good. The account balances to the credit bureaus are not accurate from month to month. The balances are higher than when the loan transferred to them in XXXX of XXXX. At that time the balance was {$190000.00} and after a total of XXXX consecutive payments starting from XX/XX/XXXX through XX/XX/XXXX, the monthly balances reported to the credit bureau 's have been higher than what is reported on the monthly statements. We have disputed this before, but they refuse to correct the wrong data. The main one is the Transunion account. The XXXX XXXX reports shows that out of the XXXX consecutive payments made, XXXX only reported XXXX ( XXXX ) of those XXXX payments that were paid on time Transunion. This action greatly affects the credit score outcome as well as balance history, in that it makes the account report that the balance has not decreased over time. The XXXX account is being used to cripple our credit reporting. We have documented that for the research that was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA placed a fraud alert on my credit report without asking me or obtain8ng my approval. Likewuse, the alert tells creditirs to call me but provides no phone number to contact me. As such, i have been denied credit, specifucally from XXXX XXXX XXXX  for this issue alone. They aporoved and were going to open my account but declined. Ecause if this alert and no way to contact me. I have tried numerous times to have it removed to no avail. This includes emails, faxes and letters vial mail with the proper request and required identification difyments. I again tried last week by facing, mailing, and trying to upload online as directed. Their online submission keeps gaving internal errors ampnd will not finess processing and submitting. Likewise, i called several times to get assistance. Im transferred and told I need special processing then h7ng up on. Ive been hung up on today by 3 representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX via certifed mail on X/XX/17, via telephone and by fax requesting removal of an account in which I attempted to contact a collection agency to request validation of a debt via the reporting address that they had listed as a contact address on my credit report. I sent them a certified letter into the EXACT same address they had listed on my credit report and the letter was returned as undeliverable. I mailed and faxed the copy of a the returned envelope with the return yellow label along with a letter requesting the removal of that account due to my understanding of both federal and state laws of reporting that no entity has the authority to retain, report, transfer, sell utilize or else wise any outdated, untrue, inaccurate, physically unverifiable, fraudulent, misreported and any non compliant information. The reporting collection agency is clearly reporting inaccurate data because they have provided a false contact address toreach them on my XXXX credit report. I have made multiple calls to XXXX requesting removal of the account and they have still neglected to do so. XXXX is in violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Vehicle loan or lease

In XX/XX/XXXX I refinanced my XXXX XXXX XXXX. The original loan was through Stellantis Financial and it was refinanced through XXXX XXXX. On XXXX via priority USPS mail I sent a XXXX XXXX XXXX to Stellantis in the pay off amount of {$28000.00}. Per USPS tracking this was received by Stellantis in their XXXX, TX address on XXXX. ( see attachments ) This check was cashed by Stellantis and the funds were paid out on XXXX. ( see attachments ) However, Stellantis continues to send me late payments notices, late fee notices, and now a letter threatening vehicle repossession citing they have not received payment. I have contacted Stellantis via phone XXXX times. On XXXX I spoke with a manager, XXXX XXXX, and emailed her a copy of the cleared check which XXXX XXXX had provided me in an attempt to help remedy this. XXXX XXXX confirmed receipt, said she would look into it and I would be contacted in XXXX  business days. ( see attachments ) Stellatis never contacted me except via an automated text to alert me my payment was due. On XXXX XXXX, a XXXX XXXX representative, contacted Stellantis with me on the line via a XXXX call to further certify they had paid out these funds to Stellantis and to obtain proof of ownership or vehicle title reflecting XXXX XXXX  as the first lien holder per the refinancing agreement. Over a XXXX XXXX XXXX XXXX XXXX time span, the XXXX XXXX Representative and I were transferred to XXXX different people with no one providing any remedy. Again the cleared check was requested and emailed to XXXX XXXX who confirmed receipt. The only explanation given was that the check was cashed but not processed because they ( Stellantis ) are having problems on their end with their payment processing and their payment processing team is behind with " a long queue '' of payments. I was told I needed to be patient as " first come, first served. '' Supposedly there have been XXXX payment researches opened on my behalf. Meanwhile I continue to receive calls, texts, and letters about missed payments and late fees. On XXXX I received a letter from Stellantis threatening repossession if they do not receive their funds by XXXX. ( see attachments ) They have received these funds and cashed them via the company 's XXXX XXXX account. I can provide this account number as it is indicated on the back of the cleared check ( see attachments ). The back of this cleared check also indicates the po box the check was sent to, the same address I sent payment to on XXXX via USPS certified mail as stated previously ( see attachments ). I am also prepared to furnish any phone records to show how many times I've attempted to contact Stellantis in regards to this matter.
Product: Debt collection

This company, ( Nationwide Recovery Service ) which I hold no contract with nor have received services from, reported collections against my SSN in the amounts of : {$50.00} ; {$50.00} ; {$50.00} ; {$50.00} ; {$130.00} with XXXX, XXXX & XXXX credit reporting agencies. I requested on several occasions verification of the debt and accounts, however the business has failed/refused to provide adequate proof. This business does NOT have a contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.