23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My original mortgage company was Quicken Loans who transferred the loan to I believe the name was XXXX/XXXX. It would seem this deed of trust has no reconveyance between the two. I have refinanced a few times since and my Deed of trust is currently with XXXX XXXX. I have now started a refinance with XXXX XXXX  XXXX  and the title company has found that Quicken Loans still shows a deed of trust with them. I made three separated calls to Quicken in hopes of getting the letter of reconveyance, but to my surprise they have NO record of me or my wife. This was verified on each call using names, ssn, birthday, and of course the property address. XXXX XXXX  XXXX  has explained to me that with out this open deed of trust being removed they will not be able to continue.
Product: Checking or savings account

I submitted an original complaint ... and the company, Capital 360 responded ... .saying they are UNABLE TO RELEASE MY REMAINING funds ... and YOUR company said ... '' uh ... .okay ... I guess we can close this complaint ... duh ''!!!!! 
What the XXXX is wrong with YOU and CAPITAL 360? 
I have PROOF of the funds being pulled from my boss ' payroll account..I have proof that they are still KEEPING my funds after a MONTH!!!! 
CAPITAL 360 CFFB CASE # : XXXX
Product: Mortgage

I received a letter from my county tax office on XX/XX/XXXX stating my property taxes have not been paid. I have an escrow account with my lender to pay for the taxes. I have tried to contact my lender, Gregory Funding, on 3 separate occasion ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to no avail. Wait times have ranged from 45 minutes to over 2 hours, which is time wasted because no one ever answers the phone. This exact situation also occurred last year. I have no idea how or why this company is still in business with such horrible customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

trying to get my home refinance thru XXXX, i believed that i have outstanding credit i pay everything on time and have plenty of credit, the 3 reporting agencies came out with XXXX different scores, i also been a victim of fraud in the past, i have a full time job and my yearly income is over {$100000.00}, i owe {$80000.00} on my home and is value over {$400000.00} never been in bankruptcy, so why is it that the 3 reporting entities are trying to make me a victim when i have comply with the rules all my life, i'm just trying to get a refinance and get some cash back so i can build a warehouse, is there anything that somebody like me can do to try to survive, yesterday i also was trying to change home insurance because my policy when up this year for no reason with XXXX XXXX XXXX i try to get a shipper policy with XXXX and after they ran my credit they said the same thing that my credit report score came in to low and that is why they are increasing my insurance policy, this is predatory lending all over the system and the most affected are the most vulnerable like us Senior citizens, please help
Product: Bank account or service

I did a on line bank check to my condo association it never got there the township of XXXX got the check instead. They cashed the check into their account. I have filed complaints and cant seem to get the money back after wells fargo has mad promise after promise. they now say I have to wait to get some paperwork in the mail get it notarized the bring it back to the bank before they can complete anything. The chech which is attached is clearly deposited into someone else account
Product: Debt collection

I do not owe this debt of {$26.00} that I keep getting bills for and now I have received a collection notice where my credit is perfect. This is an illegal attempt to take my money.
Product: Mortgage

Interoffice emails from banking officer internally deleted. One of the six survived & XXXX XXXX started a review. They can't go d deleted emails or review. ( Repetitive patterns of lies and incompetence as in poor follow through modification reqhezts. Can't find those either ). 
Hired attorney to find out why they didn't let me apply. They stonewalled him, still did not let me apply & now say they would only communicate with him in the bankruptcy but this was two years before the bankrt (? ). Absolutely Kafkaesque! 
XXXX said they would not let me apply for a new loan ( illegal ) & said the advertised rate on the radio was not offered ( violation of her in advertising ). Repetitive patterns of illegality. 
XX/XX/XXXX bankruptcy filing withdrawn on XX/XX/XXXX, not dismissed in XXXX.
Product: Credit card or prepaid card

I opened a Menards Big card to receive 0 % financing on a purchase I made on XX/XX/XXXX. I made the purchase and selected 0 % for 12 months on my order. When I received the bill from capital one I was unsure if the promotional financing applied because it wasnt clear. I contacted capital one on XX/XX/XXXX and they submitted a request. They said it would take 10 days to process. I asked what I should do in the meantime because I needed to make a payment on XX/XX/XXXX. I was told I should at least make the minimum payment which I did. After making the payment I received notice that my request was denied. I contacted capital one again and was told they would process another request and requested I contact Menards. I filled out a request online for Menards and they gave me info to contact capital one. I then called Menards XXXX Michigan location on XX/XX/XXXX and talked to the front manager XXXX or XXXX. They got all of my information and told me they would call me back by XX/XX/XXXX. This never happened and I have been unable to get ahold of them. I can not find other contact information from Menards and I have not received further communication from Capital one. As a result of this I have received finance charges over 2 months for what I though was the 0 % special financing that I selected on my order. To add to the confusion if I hadnt selected 0 % financing I was to receive an additional rebate instead. When I questioned capital one about this on XX/XX/XXXX I somehow received notice within 2 hours of the conversation that I was getting a rebate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$580.00} XXXX  XXXX Balance : {$0.00}
Product: Checking or savings account

I do not bank with CITI bank. I got a voicemail from CITI bank stating there was suspicious activity and to call them. I did. They stated someone tried to open an account in my name. I told them it was not me and do not push the application through. They did and I received the debit card in the mail anyway. I have talked to at least 5 people in the past few days trying to get this account closed. She said they will not close it because they have to investigate what happened, but that they would put a block on it. I do not want an account open in my name that I didn't open. Also I asked about the policy provided on their website : to apply online the person must show a government issued ID and social security number. I asked if someone requested all of that from the person that applied for this in my name and she would not tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for forbearance with ally bank in XXXX of 2020. After they admit they coded account incorrectly and XXXX of letters, emails and calls o am no closer to being able to make payment or fix my credit We even have payments we made with banking numbers given to us by ally never go through. 

We want our second mortgage to resume payments and have our credit fixed We send the documents they want many times and each time told thats all they need and then get another letter asking for exact same info Latest letter asks for my tax return while saying they have my tax return
Product: Credit reporting or other personal consumer reports

as of XX/XX/XXXX I have found two additional inquiries on my report that I did not authorize or make XXXX XX/XX/XXXX - transunion XXXX  XX/XX/XXXX - equifax
Product: Credit reporting or other personal consumer reports

I am writing to dispute information on my credit report that I believe is a result of identity theft. The fraudulent accounts listed do not belong to me, and I request your assistance in investigating and resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the presence of certain items on my credit report, which I believe to be fraudulent. I have previously disputed these items, but they continue to be reported on my credit file. I am requesting that these items be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605b. Please take a look at the following items : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$4900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. As you are aware, FCRA Section 605b states that any information that is inaccurate, incomplete, or can not be verified must be promptly removed from an individual 's credit file. I believe that the items in question fall under this category, as they are fraudulent and do not accurately reflect my credit history.
Product: Credit reporting

I got a free 2 year credit report from experian and i noticed that there was something on my public records that i knew absolutely nothing about, i was also a minor at the time still going to school and living with my mother. i have tried calling experian, the court where it says it was filed at and many other places and nobody has been able to help me with this issue. i believe that it may be fraud, i need help finding information on this situation. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous requests to Experian, XXXX, and XXXX  regarding inaccurate addresses that do not belong to me on my credit reports. I sent letters to all 3 bureaus on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. each time I attached my social security card proof of address and my utility bill proof of address along with my identification and all 3 bureaus keep not processing my request for removal of the followin addresses : Experian - XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX  - XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Product: Debt or credit management

As part of a {$3.00} XXXX settlement, Wells Fargo has agreed to pay more than {$2.00} XXXX directly to customers harmed by " illegal activity, '' ranging from incorrect overdraft fees to wrongful foreclosures.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have and issue where i have inaccurate information being reported on my credit report. I have disputed many times with this company via certified mail, online, phone with no positive resolution. These following accounts i am going to list are inaccurate and non-validated with a deletion not being made and the account never being proven to be mine. 
XXXX, XXXX, XXXX, XXXX Last reportedXX/XX/2021 {$360.00} XXXX, XXXX, XXXX, XXXX Last reported XX/XX/2021 {$360.00} XXXX, XXXX, XXXX, XXXX Last reportedXX/XX/2021 {$360.00} XXXX, XXXX, XXXX, XXXX Last reported XX/XX/2021 {$550.00} XXXX, XXXX, XXXX, XXXX Last reported XX/XX/2021 {$1400.00} XXXX, XXXX, XXXX, XXXX Last reported XX/XX/2021 {$1700.00} XXXX XXXX XXXX XXXX Bank ) XX/XX/2021 XXXX FINANCIAL ( Bank ) XX/XX/2021 XXXX XXXX XXXX BANK ( Finance ) XX/XX/2020 XXXX BANK ( Bank ) XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I find the Consumer Finacial Protection Bureau Complaint Number XXXX response from Ford Credit rude , suggestive, derogatory and favorable to their affiliate XXXX XXXXXXXX XXXX  with admitting of participation in illegal activity. If there is something I have done, I think everybody should bring it out in the open. 
Here is the complaint revised. On XXXX XXXX XXXX I went into XXXX XXXX XXXX XXXX to see about the possibility of purchasing a vehicle. I was never given a form to sign stating who I am applying for a car loan with. I was though given a piece of paper to sign labeled XXXX stating that XXXX XXXX XXXX XXXX is helping the government to fight terrorism and I would need to show my diver license to identify myself. Remember I was only shown document labeled XXXX and I will solemnly swear under oath and with a lie detector to that fact. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan likening. I finally got up and headed home. When I returned home, I seen that there were seven banks on my XXXX account that said I applied for credit with them. XXXX XXXX XXXX XXXX was the only place I visited on XXXX. I also see that XXXX XXXX XXXX XXXX a system from a company called XXXX XXXX XXXX XXXX. They say their service provides car dealers with a credit score so that the car dealer can make a loan offer. So why the other seven bank loan applications that I was not informed of by paper or word of mouth. I know with my experience in going into car dealerships that the car dealership has the consumer sign every piece of paper shown to the consumer to prove that every piece of paper was shown. Can Ford Credit provide the only legal way of giving permission for this credit application of a signature on that letteral page/paper?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report regarding late payments for the account referenced below. Upon reviewing my credit report, I noticed that the report inaccurately reflects late payments on an account that was, in fact, paid on time.As per my records, all payments on this account were made in full and on time. Therefore, I request that you investigate this matter thoroughly and provide verifiable proof, such as payment history or transaction records, that shows the payments were late. If this information can not be verified, I demand that my credit report be updated immediately to reflect the correct payment history, with the late payments removed and marked as " paid on time. '' Thank you for your prompt attention to this matter. Credit Report attached below
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are reporting these accounts without my written authorization. I have no contract with these companies
Product: Credit reporting or other personal consumer reports

I have tried to contact each of the companies to see what is exactly going on with my credit and why they have been avoiding my calls and emails for the past couple of years and still no response from them
Product: Vehicle loan or lease

I have to pay $ XXXX  monthly for my car to westlake portfolio management. I have never missed a payment. I pay every XXXX of each month. I have received today XX/XX/XXXX westlake portfolio management phone call trying to collect current month money. I was exposing to the operator about the current situation because to my hours has been reduced and I would need more time to process payment. I did ask for 2 months. Operator XXXX XXXX told me they can't do that. I did ask for help about the situation and the operator said " they can't help '' " you have to figure out '' and immediately he started to questioning me about " have you received the stimulus package? ". Which I said " yes '' " I did buy food and paid XXXX monthly bill ''. 
This company does not have any intention to help due to the current pandemic circunstances.
Product: Credit reporting or other personal consumer reports

I am listing 1 inquiry fraudulent from my Transunion Credit Report. XXXX XXXX XXXX. Listed inquiry does not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to fi le an identity theft report for deletion. I am requesting Transunion to mark this inquiry as fraudulent and remove from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both credit Bureau and company reporting fraudulent accounts on my report i filed police report multiple times i disputed information and also notice this is effecting my credit negatively on two ways not only are the accounts fraudulent they are reporting closed accounts as open and thats a valuation also in its self i demand that it be removed pending a proper investigation and original documents and signature be provided. Lvnv funding llc and cache llc/ resurgent corp collection agencies both ignore my complaints and abuse and violate my rights and has not been held accountable after being informed of this fraudulent reporting. I ask that the accounts be remove immediately.
Product: Debt collection

On XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX I stated to XXXX XXXX that I have know knowledge of any Debt they are claiming that I ow to them. XXXX XXXX is also reporting an unverified debt that I allegedly owe to them to the credit bureaus I have no contractual agreement with XXXX XXXX at all. They are in violation of the Fair Debt Collection Act that  state they must validate and verify any and all debt to a 100 % accuracy. They are also violating the Fair Credit Reporting Act. XXXX XXXX must provide proof of any debt that I allegedly owe with copies of any contractual agreements bearing my signature. Im also requesting documentation of contrast with my signature thereof. If they can not produce such items they will be held responsible for Defamation of character
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and New York Laws Dear COMENITYCB/ZALES, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft fraud laws under New York State Penal Law 190.80 . 

It has unequivocally come to my attention that COMENITYCB/ZALES has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1

681b ( a ) ( 2 ). In addition to federal law, New York State law , specifically under Penal Law 190.80 ( Identity Theft in the First Degree ), underscores the seriousness of unauthorized access and misuse of personal information, including unauthorized credit reporting. Such actions not only violate my rights under federal law but also infringe upon New Yorks stringent identity theft protections.

I assert with unwavering certainty that I have not provided consent for COMENITYCB/ZALES to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that COMENITYCB/ZALES immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and New York State Penal Law 190.80 . Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft and fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and New York State law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that COMENITYCB/ZALES will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

I paid in full ahead of having dental work performed and I have a copy of the contract stating I prepaid in full, thousands of dollars and a receipt for the payment. Three years later, out of the blue, XXXX XXXX XXXX sent me a bill for some random services for over a thousand dollars that were not in the original contract. They also tried to double bill my insurance company 3 years after treatment and it was denied. When I refused to pay, they sent me to Capital Accounts for collections. 

I wrote Capital accounts and told them that no money is due, that I wouldnt be paying a dime and to not contact me again. 

They constantly call me on my cell and my home number every day and send threatening letters every month.