23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX, XXXX years old and in the XXXX XXXX XXXX XXXX, had approximately {$100000.00} taken from him by his nephew, XXXX XXXX. Over a period of many months unauthorized checks were written on the account at Webster Bank and XXXX also destroyed the statements before XXXX could see them. Webster Bank was made aware of the situation and reported it to the CT elder abuse department.  XXXX was eventually XXXX in XXXX, XXXX and XXXX with XXXX XXXX XXXX and XXXX XXXX XXXX Since then XXXX XXXX, who is now the POA for XXXX has been in touch with Webster Bank to try and recover the funds. Representatives at the XXXX XXXX XXXX branch have misled her, lied to her and done everything possible to avoid pursing this. XXXX met with the Branch Manager, XXXX XXXX, on XXXX/XXXX/XXXX again and asked for paperwork showing that any action had been taken and she refused to provide it. XXXX said the bank 's fraud department was not pursing this and when pushed told us to contact the Office of the President. Today, XXXX XXXX we called the number we were given and it was the general info number and not that of the Office of the President. We were on hold with XXXX for over 45 minutes who refused to give us the contact info until he tried to resolve the problem even though we told him that the Branch Manger gave us this number. He eventually provided the contact info so we can send a letter. It 's beyond belief that Webster Bank initiated the investigation which led to XXXX XXXX being XXXX for the theft yet they will not take any action to help recoup this money. They have obstructed every action we 've tried to take since the Fall of XXXX. PLEASE HELP US. XXXX is in XXXX XXXX now and is almost out of money. He will need to go on Title 19 unless we can recoup the {$100000.00} taken from Webster Bank. Thank you for any assistance.
Product: Vehicle loan or lease

Paid a car off in full on XX/XX/XXXX. All account information shows the entire balance paid off, XXXX owed, all being cleared and approved on XX/XX/XXXX. The payment has cleared all systems, chase bank has closed the loan and my account due to it being paid in full. 

It has been XXXX weeks and Chase will not mail any sort of XXXX XXXX paperwork. The car has been sold, the new owner can not title it due to waiting on Lien Release from Chase. I have visited Chase Bank local branches and told since its an XXXX XXXX, it must come from corporate. 

I have called Chase Bank and they still can not tell me when they will send a Lien Release. They tell me it could be this week, could be next, it takes time in the mail. I have asked to have it emailed/faxed/ability to pick up at any local branch, they refuse as they can not do anything for me as my account has been paid in full and closed. 

This extend delay is causing financial hardship. Its 2023, once the payment clears and if verified, why this extended hold up? 

Chase Bank has assured me my account/loan is paid in full. They have assured me all payments have been cleared. They assured me my load was closed due to paying it off in full over two weeks ago. Chase can not tell me when they will email over a Lien Release so the car can get re-titled.
Product: Credit reporting or other personal consumer reports

The accounts listed below keep coming back as accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX southwest financial uplift The following inquiries are unauthorized and unverified but keep coming back as accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

Hello, This collection was a result of a visit to an XXXX for my first child. I never even got to see the doctor and was in his office for less than 15 minutes. 
Back in XX/XX/2015, I went to a XXXX check up and he was not in the office. The nurses wanted to perform XXXX but I declined and left the office. After this I received a bill of about {$570.00}. I called my insurance company and mentioned that it was very unfair for the doctor to charge this. 
Then I got the bill myself. The bill was sent to collection which I paid. Unfortunately the collection company reported me. Can you please assess this case and reconsider this negative hit. 

Thank you so much!
Product: Credit reporting or other personal consumer reports

I have previously disputed ( XXXX  XXXX Bankruptcy XXXX ) With you. And i NEVER received a response, you previously verified the item as accurate, stating that you have verified this information with the court and XXXX XXXX. I contacted the court, and XXXX XXXX their response is enclosed. It is clear they do not report to you or any credit bureau for that matter therefore, your initial response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with FCRA {$610.00} ( 15 U. S $ 1681I ). Also, I was told that this information was giving to you by XXXX XXXX please see attached document from XXXX XXXX stating that this information in unverifiable. And the information must be deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number or other information to identify account : XXXX Dates associated with item being disputed : AUTO LOAN Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number or other information to identify account : XXXX Dates associated with item being disputed : CREDIT CARD Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number or other information to identify account : XXXX, XXXX, Dates associated with item being disputed : EDUCATION LOAN Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number or other information to identify account : XXXX Dates associated with the item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number or other information to identify account : XXXX Dates associated with item being disputed : CREDIT CARD Explanation of item being disputed : ( C15 US. CODE 1692 ) C, ( 15 U.S. CODE 1601 ) ( 15 U.S. CODE 16666 ) ( 15 U.S CODE 1681 ) ( B ) ( 2 ) I have attached a copy of my report with the accounts in question circled. 
Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

I lost my job XX/XX/XXXX, so we reached out to CitiMortgage for a loan modification. We started the process in XXXX. After fulfilling all their requirements, the modification was completed XX/XX/XXXX. However, their modification was to extend the term by 10 years ; raise the interest rate from XXXX to 4.375 % ; add a deferred XXXX for {$16000.00}, thereby lowering the XXXX mtg. to {$290000.00} ( house only appraised at {$290000.00} ) ; and saving a mere {$190.00} a month. We are in our XXXX and this is the rambler of our dreams. I expressed my concerns about CitiMortgage not putting any " skin '' into the game, but was told this is the only offer. During the process, their electronic system would issue duplicate notifications requiring signature of receipt which meant several trips to the post office. In addition, the new note, etc. have my name incorrect as a result of their error on the previous HARP loan we did with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fifth requests 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 an alleged fraud or extortion. The following items needs to be remove immediately : XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$55.00} ; XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$55.00} ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXXXXXX XXXX XXXX  XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$55.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY. I AM ALSO USING THIS COMPLAINT, AND EVERYTIME YOU GUYS RESPOND BACK WITH A STALL TACTIC RESPONSE AS EVIDENCE IN MY LAWSUIT AGAINST YOU. I AM NOT GIVING YALL MY XXXX ID, PROOF OF ADDRESS OR ANYTHING EITHER BECAUSE I DIDNT GIVE YOU PERMISSION TO PUBLISH INFORMATION ABOUT ME IN THE FIRST PLACE. THIS IN ITSELF IS A VIOLATION OF UNITED STATES LAW 15 U.S. CODE 1681B. 

I HAVE FILED COMPLAINT XXXX AND COMPLAINT XXXX on XX/XX/XXXX. 

On XX/XX/XXXX I sent a letter in regards to inaccurate and unknown things on my XXXX credit report. These accounts are adversely affecting my credit report and ruining my chances of obtaining credit. You guys should know this is not a XXXX regular dispute either, I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my I do not recall any of these accounts. I need this problem fixed IMMEDIATELY. I will not wait another 60 plus days to receive no response because clearly yall arent doing your XXXX job. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you cause me. In Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has already been more than 60 days so they should be deleted XXXX immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had fraudulently opened a personal loan in my name at XXXX XXXX, strictly an online facility. I filed a fraud report with the Federal Trade Commission, XXXX, XXXX and Equifax. XXXX XXXX had me on hold for 4 hours while waiting for their consumer affairs department. After hour 6, a  recording came on saying the phone call was out of normal business hours and to call during those hours. I called the next day at XXXX mountain time. Customer Service connected me to the Consumer Affairs where XXXX took my information and put me on hold for another 3 hours. Finally another individual picked up but would not tell me her name. She finally finished getting my information and told me they do n't send the forms out for 48 hours and that I have 4 days to get the form back to them with a police report number. Day 2 and I have not received any form or correspondence from XXXX XXXX. XXXX Ut Police Department has 230 cases of fraudulent activities from this company. They wo n't except the fraud forms and take the victim of fraud to collections for a loan they did not request. This company is fake, actively seeking anyone for their personal information.
Product: Vehicle loan or lease

on XX/XX/XXXX financed a vehicle for estimated {$35000.00}, the following year around XXXXXXXX XXXX XXXXXXXX i recieved a message from the sales rep from XXXX XXXX, where i purchased the vehicle, and i was notified that my bank informartion would change on who i would make payment to, and there was no further action to be taken on my end. a couple weeks later i recieved a call from the new bank XXXX, to verify my information and that i had the vehicle in my possession .then i noticed that my payment date changed, and my monthly payment was also higher, as well as a higher interest rate. than the one XXXX initially agreed to. after being constantly harrassed by this company calling me night and day multiple times, many red flags started to raise. i called the salesman and demanded to see my contract, which he never provided. then after months of harrassment from XXXX i received the contract from the bank, which i noticed that my signature was forged, i had a higher intrest rate and the vehicle was paid off from the original bank and resold to me for the same price, my rights have been violated, and this is a fraudulent loan, i did not read or sign the contract for this loan, nor did i agree to the terms.
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 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: Mortgage

There is a court order signed by XXXX XXXX saying " the interest portion of the debt can not be enlarged beyond the figure it represented on XX/XX/2007 ''. 

XXXX XXXX XXXXXXXX and Select Portfolio Servicing have ignored and violated this order and have continued to add fees, late payments and the like on to the account in question in violation of 12 U.S. Code 2605.
Product: Checking or savings account

Recently retired from the XXXX, my wife who was looking for a job was scammed for XXXX dollars. We called USAA and they told us its our fault so we have to pay. i was unhappy with the answer but immediately paid XXXX to the bank. I then set the account aside so i can make small payments on it. I had another account for bills, i was paid my retirement check and work check totalling about XXXX. This was to go immediately to rent and vehicle payments, but on XX/XX/XXXX USAA, without an email or letter decided to take ALL of my money and paid off that debt leaving me with XXXX dollars. It has been a week and i have no money no bills paid and struggling with my mental health. they have put me in severe hardship. When i called them they told me there is nothing they can do and it can not be reversed. I just want my bill money back so my family and i can survive and buy food.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 AX1 A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy of the following account ( s ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within XXXX  days or remove the account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX Balance : {$710.00}, XXXX XXXX XXXX  XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXXXXXX Balance : {$140.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$710.00}, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1600.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX PC ) XXXX Balance : {$1000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX Balance : {$690.00}, XXXX XXXX XXXX Balance : {$540.00}, XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$850.00}, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I purchased a dining room set from XXXX XXXX in XXXX XXXX Va on a Saturday, and went back and picked it up on Sunday. Monday after work I attempted to assemble the furniture per the instructions from the box. After assembling the chairs the legs started to pertrude. And the table was chipped. This was all within one day of having the furniture. I then tried again to tighten the chairs and again the legs started to pertrude. I called the store on Wednesday and they told me I was past the 48 hours to do an exchange but they would go ahead and exchange it out. Thursday I went and exchanged the furniture. I was told by the store employee that I need to brace the legs against a wall to hold them in place while I screwed them together. I asked her to show me this on the table I was returning but she refused. She said she did not have the tools. I was also told by another employee to use bungee cables to hold the legs together. So I got a new table went back home and again per the instructions in the box and from the manager put the table together again. That was 8 days ago and now the legs on the table are doing the same thing. I also went back and added the additional insurance in case this happened again which cost me another {$150.00}. I tried to call and file a claim two days ago and the automated system is saying their is no record found for my phone number for an active protection plan. At this point I do not want this furniture. The store is saying I can not return it and Im responsible for completing the installment loan. They have my checking account on file and are forcing me to pay for damaged equipment. I do not want this furniture and I want the contract voided immediately. I plan on talking to my bank because I am not paying for a product that is defaulted.
Product: Mortgage

Received a threatening and confusing letter about forced placed hazard insurance. 

Closed on my loanXX/XX/2020 with Owning. Loan was sold sometime after closing XX/XX/2020. 

Subject property is an attached PUD with an Condo Master Insurance policy, no in-walls coverage. A one year HO-6 in wall insurance was purchased through my long term insurance agent with XXXX and paid at closing, one year. 

Closing Disclosure has line item deduction for the HO-6 policy paid one year out. 

Received letter dated XX/XX/XXXX in mail XX/XX/XXXX from Dovenmuuehle stating Hazard Insurance for my property expired and this is the " SECOND AND FINAL NOTICE '' before Dovenmuehle will charge me for Forced placed Hazard Insurance. 

Issues 1 ) HO-6 policy paid one year in advance and Dovemuehle is not reviewing record or disegarding their own record or failing to contact the originator they purchased the loan from to obtain a missing record 2 ) Concerned the loan was sold on the secondary market and the purchaser threatens the borrower with inaccurate information to facilitate obtaining missing paperwork of the loan purchase ( the HO-6/Master Insurance Policy ) 3 ) Dovenmuehl would have this information in their records or access from the originator they purchased this loan from but is possibly sending form letters to extract monies from borrowers/homeowner by levying forced placed insurance, when in fact these borrowers have current policies in force. 
4 ) Business practice of Dovenmuehle to shift the burden and costs of filing/obtaining required documents in the purchase of loans on the primary market and evade their due diligence of obtaining necessary documents from the originator, in this instance Insurance onto the borrower with misleading statements and threatening to cost the homeowner substantial sums of monies via " forced place insurance ''.
Product: Credit card

Hello, I have Elan Credit Card since XX/XX/XXXX and I got charged interest without my knowledge since XX/XX/XXXX. I did not agree to any kind of interest and they start charging interest without my knowledge or my approval. 
I would like to pay Elan Credit Card the balance without any interest or fees that I did n't agree. 
I try to communicate with them but they have no email and they never reply to my letters that I send to the address that they have on their website. 
Every time I call the associate has to redirect me to an supervisor and the supervisor never answer the phone. 
The website is : XXXX For questions about your account or to report a Lost or Stolen Card24-Hour Cardmember Service : XXXX reach Cardmember Service via email, login to your account and click on Messages. 

Technical Support For questions about your internet browser configuration or technical support for the Online Account Access website. 
XXXX a Payment Cardmember XXXX XXXX XXXX. XXXX, MO XXXX an Overnight Payment Cardmember ServiceXXXX XXXX XXXX StreetSt. XXXX, MO XXXX