23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX, I had asked my Mortgage provider, XXXX Bank, to exclude Owner 's title insurance ( which is stated as optional ) on XX/XX/XXXX. They replied saying they would speak with First American Title Company and exclude it. Neither the bank nor the First American Title Company never responded with any data or numbers as to what it would look like if they removed owner 's title insurance. I was communicating with the bank only all the time and the bank is partnering with the title company. 

Today is XX/XX/XXXX and we are now 3 days away from closing the home. Today, I was arm-twisted to buy owner 's title insurance by scaring me with the fact that if I don't buy owner 's title insurance, then : ( a ) my overall title charges will increase by {$3000.00} as the title company is bundling all together for a discounted rate and ( b ) that removing owner 's title insurance is going to delay my closing by 7 days. 
I had no choice but to go for it at this time. 

Also, today, XX/XX/XXXX, I had a very bad and insulting experience with one of the escrow assistants in First American Title company. 

I was not told about what would happen if I reject the owners title insurance policy ( which is optional ) by representing it with proper data and numbers, much before hand. I had asked this information around XXXX weeks back. 

Now, XX/XX/XXXX, I am around 3 days away from closing and I am called and I am being disturbed on my vacation with information like if I do not take the owners title insurance policy then its going to increase the overall rate by {$3000.00}. This is almost like twisting my arm, and trying to force me to take the owners title insurance policy without presenting the clear information and data to me much before hand. 

When I informed the escrow assistant that I feel insulted, there was no empathy or acknowledgment shown, rather there was a blank statement in response saying that OK we will include the owners title insurance policy. 

This practice needs to be addressed and made sure that all homeowners are treated and communicated properly. They should be treated with respect and dignity. 

The escrow assistants name is XXXX XXXX XXXX. 
My address is : XXXX XXXX, XXXX, CA XXXX Why would they do this to consumers? Why would the title charges increase by {$3000.00} if I try to deduct an owner 's title insurance by {$1200.00}? 


Regards, XXXX
Product: Credit reporting or other personal consumer reports

Wanting to dispute inaccurate Personal Information, Non Mailable Addresses, and Non working telephone numbers on reports not belonging to me. The below information is correct information to be on reports Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Telephone Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} US DEPT ED XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} US DEPT ED XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} US DEPT ED XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Medical XXXX Date Opened : XX/XX/XXXX Balance : {$26.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I'm getting so sick of this thing erasing what I said I can scream along with this Wells Fargo run around that just wont stop!! Thete are too many departments amd they do not communicate with each other especially with remediation!

I did everthing that the lady told me to do in response to my last complaint! Ive been battling with this for a year now! And everytime I'd email them it would sometimes take 2 weeks to get an answer and then tbe anwer would be vaugue and useless. 
Well I went to a notary and printed the form and sent in to the address in North Carolina I also email XXXX and they know nothing and say that!. I give it 2 weeks then I call Remediation last Friday. A guy named XXXX said to email hin the will and order to Wells Fargo Specialized Customer Care Attention : XXXXHe said that as soon as he was legally able to discuss it I would be happy! So I did that immediately amd called back today Wednesday the XXXX of XXXX and was told that the documents were still not available to then to call back in a week. 
So I called the XXXX XXXX and the lady said I might need to go back to the attornny who handled the estate and get a new order for Wells Fargo ( well how come what I had then was enough to close his account, make an esate account, and get the contents of the safety deposit box??? I dont get it?? She mentioned to reissue some check for {$15.00} and that that might take a month to process. She said that she did all she could. She didnt know anything about that notarized document Id sent back weeks ago etc Ive been getting the jerk around for over a year now!! Whats so hard about making me happy??
Product: Debt collection

On XX/XX/2023, XXXX ( manager of XXXX, TX branch ) came to my home/PLACE OF BUSINESS ( on the loan records my income is listed as sole proprietor income with the address listed, she visited on file ). Her visit was not only DANGEROUS FOR HER especially with her bad and aggressive attitude but unwarranted, embarrassing for my business, and ILLEGAL. She was asked to leave, numerous times, as I was not there and out with a client, and she kept discussing my account via my ring camera in the public where I conduct business ( video can be sent if necessary ). Then left a notice on my door that was ALREADY mailed to me. 

After speaking with me numerous times via phone from their company lines and personal ( I assume ) numbers ( phone log can provided ), she showed up to my place of business unwarranted and looking for a fight ( she was aggressive, again I have the ring footage ) attempting to collect a debt, that she/Towerloan has been in full contact with me about since BEFORE my first missed payment as I contacted them to make arrangements/notify them of my situation. Since my initial contact to notify them of my situation, Towerloan has contacted me literally 2 to 3 times a week for the past month, the phone harassment got so bad I asked them to stop contacting me and notified them AGAIN I would pay when settlement is received, and I would no longer be answering calls due to their consistent harassing phones calls. Her visiting my place of business is pure harassment ( on camera she stated she was there because I told them to stop calling harassing me ) and intimidation, especially saying they have been in consistent contact with me! I reached out to them BEFORE the account went into late status, the harassment is unnecessary and again ILLEGAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized XXXX XXXX XXXX account reporting. 

Failure to provide WRITTEN CONSUMER AUTHORIZATION to furnish consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 i was applying for a mortgage- since I had to unlock all three credit bureaus for this mortgage application, I decided to submit an application to XXXX XXXX  at the same time. 

I received a letter a few weeks later indicating it was written on XX/XX/22 that XXXX XXXX  did NOT approve my credit application at this time because they were advised by " the credit reporting agency '' ( non specific ) that a security / credit freeze was placed on my report. That " unfortunately, due to the freeze on your credit bureau report we were unable to verify your credit history with other credit grantors '' A few weeks later as I was closing on my loan my bank enquired about a HARD ENQUIRY on my XXXX credit file from XXXX XXXX. It is my understanding under FCRA that a locked credit file would not be capable of having a hard enquiry against it unless it were unlocked. 

I have a denial letter from XXXX XXXX  telling me they denied me credit because of a locked credit file, but I also have a hard enquiry from XXXX XXXX  showing that they acceessed my credit- IT CAN NOT BE BOTH WAYS. 

The hard enquiry should be rescinded and removed from my credit file since XXXX says they could not access it - OR - the credit card should have been issued - OR denied for a legitimate reason besides credit lock if they were able to access my XXXX Credit Report as XXXX currently indicates. 

XXXX cites XXXX XXXX  LExisNExis Risk Solutions Consumer Center as the agency that provided this report - This complaint would be inclusive of the credit reporting agency that XXXX XXXX  Uses and cites in their letter whom I have never heard of. XXXX/Lexis Nexis indicated at the time I had no credit lock on file with them, XXXX indicates they pulled my credit on XXXX at the time of application ( in which all three known bureaus were unlocked and XXXX / LexisNExis had no security freeze on file ). 

These bureaus are engaging in reporting false information, possibly due to some time lag in how they actually pull credit and report it which they are unaware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled XXXX Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 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 an account without my written instructions.
Product: Debt collection

This debt has been paid in full since XXXX 2012. There is a XXXX balance for this paid collection. Please remove it from my credit report.
Product: Checking or savings account

I have an ongoing problem with my Square Checking account which is still not resolved after over two hours of phone calls. 

I am being charged {$29.00} by Square for a Square Appointments subscription. It posted to my checking account on XX/XX/22. 

The Square Appointments team and Square Banking team keep sending me back and forth to each other ( 8 representatives spoken to today ). 

The Square Appointments team claim I did not pay for the subscription.

The Square Banking teams says they see the money and confirm it's paid, but NO ONE will take ownership of this and help me rectify the delinquency on the Square Appointments subscription.

This is unacceptable. 

Not only that, but the person this morning on the Square Appointments team unsubscribed then resubscribed me and then, even though I asked her if I would be charged and she said no, I was charged but I didn't have the money because I already paid and. I was not supposed to be charged so I had transferred money and paid myself this morning after the phone call. 

6 out of the 8 representative were inept and refused to truly listen. Two even asked for screen shots of my Square Checking transactions which I sent, then they still told me they weren't for Square Appointments. 

This is UNACCEPTABLE and I now suspect some kind of hacking or potential internal fraud. Or at least a serious issue with tracking their bank transactions, which is also unacceptable. 

Please help me with this issue as they refuse to allow me to speak with a supervisor.
Product: Credit reporting or other personal consumer reports

UN-AUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXXXXXX Balance : {$7700.00} ; XXXX XXXX Balance XXXX {$280.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$520.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$8500.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3700.00} ; 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 XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX XXXX {$560.00} XXXX XXXX  XXXX {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to send my CFPB complaint and I am not swayed that the 2 Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and Transunion Credit Bureaus are reporting inaccurate information. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting inaccurate information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous items reporting on my Credit Report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX  Balance {$300.00} Opened XXXX. XXXX, 2023 ; XXXX XXXX XXXX XXXXXXXX. XXXX, 2023.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion regarding the inaccurate reporting of a bankruptcy on my credit file and their failure to properly investigate and provide verification as required by law. 

I have submitted multiple requests for investigation and reinvestigation concerning the bankruptcy entry on my credit report. In an effort to confirm the legitimacy of this record, I recently contacted the United States Bankruptcy Court for the XXXX XXXX of Virginia in XXXX, VA. The court provided me with an official letter stating that they do not verify bankruptcies for credit reporting purposes. Despite this, TransUnion continues to report the bankruptcy on my file without sufficient verification. 

I have made the following requests to TransUnion, which remain unaddressed : Requested the specific documents and procedures used to verify the bankruptcy on two separate occasions TransUnion has failed to provide any response. 
Requested the name and contact information of the entity or person TransUnion used to verify this bankruptcy This request has been ignored. 
Under FCRA 15 U.S.C. 1681g, I am legally entitled to receive the exact method of verification used to confirm this bankruptcy entry. If TransUnion can not provide sufficient evidence to substantiate the accuracy of this information or details regarding the verification process, I demand that this entry be removed from my credit report immediately.
Product: Debt collection

I have a collection attempt from a company Receivables Performance. I have not received any notification in writing or by phone that they are trying to collect a debt from me. The amount is {$770.00} and was opened XX/XX/2018.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Debt collection

The Wells Fargo debt is not my responsibility. Wells Fargo is not honoring a divorce decree which separated that debt from me to my now ex-wife. The decree was made by Judge XXXX, XXXX at XXXX XXXX XXXX, XXXX, TX, XX/XX/2015. I supplied Wells Fargo with a copy of this decree. When I called them regarding this debt and asked why they still have me listed on this debt ( I wasnt notified of an appeal to the decree ), the conversation ended with sue us! I am a XXXX  XXXX  without resources to file a lawsuit against XXXX XXXX
Product: Debt collection

Fair Debt Collection Practices Act Violation There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. On Monday XX/XX/XXXX, a call was placed to FirstPoint Collections Resources , Inc. to dispute an alleged debut in accordance with 15 U.S.C 1692G ( b ). The call was answered by XXXX XXXX, XXXX id # XXXX. XXXX XXXX asked for the reference # which was provided to her and instantly proceeded to discuss the alleged debut without further verifying that she was speaking with the correct person instead of a third party in violation of 15 U.S.C. 1692C ( b ) XXXX XXXX was then asked to cease communication with the consumer in accordance with 15 U.S.C. 1692C ( c ) at which she became very, very oppressive, rude and abusive in violation of 15 U.S.C 1692D ( a ). She than began to use obscene language the natural consequence of which was used to abuse the caller in violation of 15 U.S.C 1692D ( a ) ( 2 )
Product: Vehicle loan or lease

The truck was stolen and the insurance company determined it was a complete total. They paid the truck off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Lexis Nexis a letter requesting a copy of my credit file they have of my and its been almost XXXX months and I havent received anything. I need this to dispute all alleged information they have of me. 
Lexis Nexis is furnishing information they have no permissible purpose to furnish. The court nor myself has given Lexis Nexis permission to take any information about me and furnish it with any credit agency. I also froze any alleged account Lexis Nexis has with me but somehow they are continuing to furnish alleged information about me and allowing other credit agencies to access this alleged information. Which is defamation of my character and identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights. Or a 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: Debt collection

I have new and updated information regarding complaint number XXXX. Dunlap Gardiner refuse to provide any of the requested documentation to evidence the existence of the debt that theyre alleging. Their refusal of this information is proof that such information is nonexistent, this alleged obligation is unlawful, and their admission to guilt. Dunlap Gardiner and its clients continued attempt to collect this unlawful debt without proof is harassment and not legal.