23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We closed the refinancing from XXXX XXXX and XXXX XXXX XXXX ' Representative came to our house and we signed all required loan disclosures on XXXX XX/XX/2020. The Closing disclosure shows the disbursement of our balance loan payment to Chase on XX/XX/2020 and the balance of the 1st mortgage loan as {$340000.00}. However, the XXXX XXXX XXXX representative failed to wire the funds until XX/XX/2020. Further the Chase payment shows that the actual payment made to Chase bank was $ {$340000.00}. This means that XXXX XXXX XXXX still holding the our balance of {$65000.00}. 
I am unable to get hold of the Escrow Officer Ms. XXXX XXXX on telephone and she failed to return my calls. In addition XXXX XXXX XXXX failed to respond to my email letters too as of this day. 
Failure to return the the overpaid Escrow money to the customer even after around four weeks and failure to provide full disclosure of the Escrow money and return this to the customer promptly is not only unethical practice but it may be even illegal practice. 
Nobody seems to respond to my telephone calls and not even my email letters. 
I am NOT sure if they just want to pocket this escrow money. 
I hope you may be able to take the appropriate action about such unethical & illegal practices of XXXX XXXX XXXXs which is also Title company. 
I and my wife are retiree and hoping to seek you help on this matter. 
Thank you for you help and have a great day. 
XXXX XXXX, My Cell Tel XXXX XXXX XXXX, My email Address : XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX Regions bank fraud dept. emailed me to call them. When I did, they told me that they had closed my Debit card, because of a fraudulent charge, which they said they had refunded. They didnt tell me of any other charges that looked suspicous. By the time I got to the bank on the XX/XX/XXXX, I saw 4 transactions that I didnt authorize., on XX/XX/XXXX. 
Claim XXXX XXXX XXXX XXXX {$89.00} XXXX XXXX XXXX. {$79.00} XXXX XXXX XXXX. {$99.00} XXXX XXXX XXXX {$99.00} On XXXX, I got a letter stating that these merchants stated that they obtained my authorization, when I signed up for a trial offer. 
I looked up the merchants and called them the first 3 stated that they dont have an acct With my name, address, zip code or phone no. And I never signed up for any trials. 
Iron scalp doesnt have a web site, so I was unable to track them/ call them. 
I tried to send this information to the fax no. on the denial letter, including who I talked to, their phone no. also. 
XX/XX/XXXX, The bank manager called to tell me that the fraud dept. is still denying these.I have tried to contact the fraud dept., but each time I am on hold for 20 to 30 min. The branch mgr. stated, that even he cant get a hold of these people to plead my case. 
From the moment they put in my claim, the bank has been saying, that it was highly likely that I wouldnt get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HIM STAY WITH ME FOR A MONTH. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX  XXXX CA XXXX FRAUDULENT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The bank put an extended hold on my deposit citing, " We've taken this precaution because we have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. '' Which I believe is the company being biased. 

They haven't received any confidential information. 
What reasonable cause do you have to believe the check wouldn't clear? 

There has never been any indication the check wouldn't clear. And I'm sure I'm not the only person being targeted. I believe they target a certain group of people.
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 XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor XXXX  XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX Original creditor XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX BY XXXX XXXX XXXX : {$120.00} Bankruptcy chapter XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, 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: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXX  XXXX XXXX BALANCED {$3200.00} XXXX  XXXX XXXX  XX/XX/2023 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Bank of America is a fraudulent bank and has been stealing money from me for years. I would like help.
Product: Debt collection

I am writing to formally dispute certain information on my credit report that I believe is inaccurate and potentially violates the Fair Credit Reporting Act ( FCRA ). 

I recently reviewed my credit report and found the following inaccuracies : - [ List specific accounts, including account numbers and any other pertinent information, along with details about why they are inaccurate. ] According to the FCRA, you are required to maintain accurate and complete information in consumer reports ( 15 U.S.C. 1681e ( b ) ). Additionally, I have the right to dispute any inaccurate information on my credit report, and you must investigate the disputed items ( 15 U.S.C. 1681i ). 

Based on the recent lawsuit involving XXXX and XXXX, which highlights serious issues of negligence in reporting, I urge you to take my dispute seriously and conduct a thorough investigation. It is crucial that you verify the accuracy of the reported information and remove any entries that can not be substantiated. 

Please conduct your investigation in accordance with the FCRA and provide me with the results promptly. I also request that you send me an updated copy of my credit report once you have completed your investigation. 

Enclosed are copies of relevant documents supporting my position ( e.g., previous correspondence, statements, or any other evidence ). 

Thank you for your attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the inaccurate and outdated information on my credit report, despite my repeated attempts to rectify the situation. I have sent four separate letters to all three major credit bureaus- Experian, XXXX, and XXXX - requesting the update of my personal information, including my address, phone number, and employment details. Additionally, I have explicitly instructed them to remove any old and fraudulent information that is currently being reported on my credit report. 

It is disheartening to see that my efforts to correct these discrepancies have been unsuccessful thus far. I firmly believe that having multiple addresses, phone numbers, and places of employment listed on my credit report creates a distorted image of my financial stability and creditworthiness [ 1 ]. This inaccurate representation can have serious consequences when applying for loans or seeking financial opportunities.

I have taken the necessary precautions to verify my identity by including copies of my driver 's license, social security card, utility bill, and a notarized letter. These documents serve as undeniable proof of my identity and should have been sufficient for the credit bureaus to validate and update my personal information accordingly.

Furthermore, the presence of outdated and fraudulent information on my credit report not only undermines my financial standing but also raises concerns about potential identity theft or fraudulent activities [ 4 ]. I have diligently followed the recommended steps of disputing these erroneous entries, yet my requests for their removal have been overlooked or ignored. 

I am reaching out to the CFPB in hopes of resolving this matter promptly and effectively. It is crucial that the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of credit reports. I kindly request your intervention to investigate this issue thoroughly and ensure that the credit bureaus take the necessary steps to update my credit report with accurate and up-to-date information.
Product: Debt collection

The debt was settle and I requested the debt collector to delete the account from all three credit bureaus but did not happen.
Product: Checking or savings account

On XX/XX/2019 I became aware that I no longer had access to my USAA Savings account, which contains nearly all of my life savings outside of my XXXX, XXXX, and the nominal amount in my checking account. This was highly concerning and put me in a good deal of duress. 

When I called the customer service line, at first they could not locate my account at all. After a period of time, I was informed that my savings account was a custodian account, technically a UTMA account created when I was a child, and due to a recent manual update, I no longer had the ability to view the account or make any actions related to this account. They informed me that this change occurs at the age of XXXX ; I am now XXXX XXXX XXXX and have had access to the account until XX/XX/2019. I received no notice in advance of this change, nor did my father, who they say is the custodian of the account and today still has control of the account. My understanding, after some research, is that I should have had full access to this account when I turned XXXX. 

I was made aware of an internal memo related to this issue. I asked for a copy of this memo or any other written document related to this change in policy, and I was informed that they can not provide anything in writing. I asked for a copy of the recording of the conversation and they were unable to provide it. I received a call from USAA tonight, XX/XX/2019, informing me of the same. 

This episode is very concerning to me. I contacted my father and he has transferred the funds to me in full, but I am not certain he had any obligation to do so, and I am worried that there are other XXXX-year-olds out there who have had their life 's savings taken from them without recourse. I do not understand how USAA could have concluded that an account I should have had sole control over when I turned XXXX was given to my father.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these credit checks
Product: Mortgage

I was on loan relief due to covid 19 until Dec 2021. As of January 2022 all payments have resumed on time iam no longer in the forbearance program iam resuming normally. Mr cooper is not reporting to the credit bureaus that my payments are on time. They are also not reporting a DLT ( date of last activity ) which should show current. I have reached out to Mr cooper numerous times. I have asked to please report to each bureau the correct information to avoid further detriment to me i except this will be corrected with urgency.
Product: Credit card or prepaid card

I upgrade my XXXX card on XX/XX/XXXX with a no first-year annual fee offer. But AMEX said this is an error and does not want to honor the offer without any compensation and reasonable explaination. This problem happened to a lot of people online. On the cardmember agreement annual fee section, it is written : " None ; however, as you have been previously notified, your Annual Membership Fee will be {$450.00} as of XX/XX/XXXX. '' But I do not receive any notification when I upgrade the account. I think this is illegal
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a CFPB complaint to report an alarming incident of identity theft. Upon receiving my credit report, I was astounded to discover multiple accounts that I did not initiate or have any knowledge of. It is imperative that you take immediate action to remove these fraudulent accounts as per the FCRA Section 605b which mandates Credit Reporting Agencies to delete any information listed on an ID Theft Report. I have attached relevant documents to support the blocking of the erroneous information being posted on my report. Kindly provide prompt assistance in resolving this issue. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Rest assured that I did not initiate or authorize anyone to open these accounts on my behalf. It is essential to note that FCRA Section 605B ( a ) clearly states that Credit Reporting Agencies must block any information in a consumer 's file identified as resulting from identity theft not later than four business days after receipt. I expect you to take immediate action to adhere to the FCRA regulations and promptly block the identified fraudulent information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account # XXXX has violating my rights under the 15 U.S. Code $ 1681c-2 A consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Payday loan, title loan, personal loan, or advance loan

I have called and messaged the company to reduce my monthly payment as I have lost my job. The company told me that I can stop making payments until an XXXX but Interest accrues every day so now I owe more than I borrowed. I lost my job and am barely making it, if I cant pay the loan I cant pay the accruing interest. This seems like a very unfair and unethical practice.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 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 XXXXXXXX Dear XXXX XXXX XXXX XXXX I am writing to formally request the blocking and deletion of accounts that were fraudulently opened in my name as a result of a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ), which provides protection for victims of identity theft. 


The following accounts, appearing on my credit report, have been identified as unauthorized and fraudulent : XXXX. XXXX XXXX XXXX  XXXX - Account ending in XXXX XXXX XXXX XXXX XXXX - Account ending in XXXX XXXX. XXXX - Account ending in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> These accounts were not authorized by me and are a result of the data breach that compromised my personal information. I have attached the necessary supporting documentation, including a copy of my identity theft report and any relevant information related to the breach. 


Please process this request and confirm in writing once these accounts have been blocked and deleted from my credit report. 


Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian and XXXX should not be reporting that I am ( 120-180 ) days late on the Conventional Real Estate Mortgage XXXX partial account number XXXX. The late payments reporting were deferred via the CARES Act. I had arrangements with XXXX and these lates that are reporting are false and seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. Please remove and/or update my credit report to reflect accurate and current information. I have contacted the bureaus as well to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report from XXXX and I saw that you have recently began to report me late on the following accounts : I also stated that I have previous credit reports from the XXXX that reflect my accounts accurately, as paid on time. I explained that I was I never late on the following accounts, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the creditors and that they said you verified the late to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. 

This is my several request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. 
XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX, XXXX XXXX .
Product: Mortgage

I have a loan estimate and my rate lock expires on XX/XX/2020. I qualify for the loan and have been approved by the lender. There were two conditions, both of which have been satisfied and documented with the lender. I have incurred {$700.00} in costs related to applying for this loan ( appraisal and follow up appraisal ). The lender even went so far as to make itself the beneficiary of my homeowner 's policy. 

The lender is now refusing to set a closing date and says they will not fund this loan, because of the Coronavirus. I want to know if the loan estimate is binding, provided that I still qualify based on the same criteria upon which I qualified when I originally applied. 

Furthermore, I want a refund of my fees if the lender is now refusing to fund the loan. Yes, the appraisals were done, but of course I would not pay for an appraisal unless I had already been approved by the lender and it was a requirement for closing the loan. Are they responsible for those costs?