23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX  Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

An attempt was made to resolve the negative inquiries on my credit report with Equifax Credit Bureau due to fraudulent activity. This occurred on XX/XX/2021. They refused to assist me and directed me back to the creditors. I informed them that contact was already made with them.
Product: Mortgage

We started a refinance with Quicken/Rocket Mortgage in XXXX of 2020. Our property is valued at {$430000.00} and we owe around {$89000.00} on this property. Our income to debt ratio is very low and we have excellent credit. We've been with Quicken/Rocket Mortgage for the past 10 years ; we make timely payments and always pay extra principal. This was/should have been a very simple refinance through Quicken. It is now 6 months later and we have still not closed on this loan. 
Both my husband and I are stationed in the XXXX working for the US Forces. We made this very clear when we applied for the refinance. Scheduling a Notary for the closing is complex : 1. We have only two days per week that the military legal office is open and they are servicing active duty personnel only. We are civilian and had to negotiate a special appointment ( 3 different closing attempts/times ) in order to get notary services.

2. There is a 5 hour time difference between the XXXX and XXXX where the bank is located. We made this very clear and needed documents sent so that our appointments could be met. Twice the bank has failed to acknowledge the time difference and we were not sent documents in time to meet our notary appointment. 

Documents needed to be sent via email, printed, and notarized here in the XXXX and mailed back to the US. We did this. We used the XXXX XXXX label the bank sent for the return. XXXX XXXX lost the package. Several weeks later, we were sent another package, we made the appointment and had the documents notarized, but since the bank did not update the date on the documents, our military notary insisted that we needed to cross out the date, initial, and put the current date on the document. I sent the documents via USPS Priority at my own expense. Because of the date change, Quicken/Rocket would not accept the documents. We are now on our third attempt to close this loan. We rescheduled the notary appointment ( they are not happy with us ) but the bank has failed to forward the new updated documents to me in time for my appointment tomorrow. 
It has been six months since we started this process. We have provided all documents requested and have waited patiently for this process to get completed. Quicken has passed us around to MANY people. We have had to explain our overseas situation more times that should be necessary because they have not kept a good file on our behalf. The customer service has been horrendous. Twice, two different agents, our servicing representative has left on a week long vacation and left no information to help us get our questions answered. This is past ridiculous and they do not seem to care whether we have timely answers or a quality experience with their company.

This refinance was to pay contractors doing remodel/repairs on our two properties. The delay in our refinance has cause us conflict in our ability to make our commitments to these contractors. 
I have attempted to speak with upper managers regarding this issue and have had to leave messages, which are not returned. The disregard for our financial investment and the lack of professionalism is astounding.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/year> Balance : {$11.00} XXXX XXXX XXXX  XXXX XXXX Opened : XX/XX/year> Balance Owed : {$35000.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance To The Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify. Erroneous and Misleading Things Of My Credit Report. 


XXXX XXXX XXXX Dept EdXXXX XXXX Dept Of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1689 Section 604 A.Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C. 1681 section 602 A.Section I have the rights to privacy.
Product: Mortgage

I have been attempting to communicate with my servicer, Wells Fargo/ASC, since XXXX 2014. I am attempting to avoid a foreclosure by exploring some work-out options. My Single Point of Contact is almost never available. The next available agent never picks up the phone. My authorized 3rd Party Representative experiences the same issues. Wells Fargo has set up this system to guarantee a foreclosure because that is their preferred profit method. For Wells Fargo, investing resources in the loss mitigation department does not generate enough profit. Ignoring homeowners and eventually foreclosing upon them gives them the revenue satisfaction that they seek.
Product: Credit reporting or other personal consumer reports

*Sent Letter Via Certified Mail on XX/XX/year> requesting to verify account and or delete inaccurate reporting. 
*The letter including identity confirmation along with items disputed. 
*Received a letter in the mail on XXXX stating " Unable to locate Credit Report '' *Re Sent original letter with attachments along with confirmation of receipt of certified mail and Transunion letter received back to Transunion via certified mail
Product: Debt collection

My name is XXXX XXXX a federally protected consumer, and Iam making this complaint against ( Enhanced Recovery CO L. ) for committing identity theft. I have never given ( Enhanced Recovery CO L. ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a Cease and Desist of all illegal, any communication and collection activity, of this and any alleged debts until ( Enhanced Recovey CO L. ) can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them, if this documentary evidence Can not be produced and ( Enhanced Recovery CO L. ) continues its collection efforts. I will file for litigation for actual damages caused and ( Enhanced Recovery CO L. ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt and response are both requested and required. Account # XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Employer - XXXX XXXX  Employer - XXXX XXXX  XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Employer - XXXX XXXX  Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I filed an application for a loan to cover the costs of solar panels on my house. I was referred to this company ( LoanPal ) by the sales agent for the solar panel company. ( XXXX XXXX XXXX XXXX ) I was approved for credit ( XX/XX/XXXX ) and was scheduled to make my first payment on XX/XX/XXXX. Since I opted out of automatic electronic pay, I waited for the company to provide me with an invoice. Towards the end of XXXX, I had not received an invoice so I contacted XXXX XXXX XXXX, the XXXX XXXX   XXXX representative, and inquired as to how I was to effect my first payment since I had not yet received an invoice and it was close to the due date. Within days of speaking with XXXX XXXX, either XXXX XXXX, XXXX, I received the invoice. Knowing that payment would be late due to late arrival of invoice, I hurried the next business day to send the payment through a money order by mail. By XX/XX/XXXX I began to receive multiple calls from a representative of LoanPay ( XXXX ) and he was insistent on signing me up for automatic electronic pay which I explained to him that I had opted-out of autopay. This person persisted on calling me repeatedly on my cellphone until I decided to make a one-time payment through my wife 's credit card to get him off my back and to expedite receipt of payment. Since I had already mailed my payment, I waited to hear back that payment had arrived and that it would either be submitted as credit to be applied for the month of XXXX or returned to me. Due to the COVID-19 situation, I was not able to contact anyone at LoanPal but was hoping to clear up this issue as I live on a monthly pension and have limited financial resources. I completely forgot about this issue due to the worsening of COVID-19 complications and sometime after XXXX, after again not receiving an invoice on time to make a timely payment, I started getting calls from the LoanPal representative regarding my XXXX payment. I explained the situation regarding the double payment sent the month before and he completely disregarded my explanation and continued to once again insist on signing me up for auto-pay and I again I refused and informed him that I had opted out of that option and that I was not about to make a second double payment. I began getting emails and phone calls attempting to force me into making another payment and I opted to writing LoanPal/Customer Service through email furnished by XXXXXX/XX/XXXXXXXX. I was not able to get any resolution and they insisted that my monthly payment was delinquent and that I would accrue additional late fees. I opted to wait to send the XXXX payment but harassing calls and emails have persisted, insisting that I now owe them {$160.00}. I get 5-6 harassing calls or emails per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX Launch Servicing Incorrectly reporting to my credit accounts My identity was stolen in 2020. I filed a report with the police in XXXX XXXX, GA.
Product: Payday loan, title loan, or personal loan

When I opened the credit with Koalafi, the same night, I set up autopay to pay the bill in a timely manner. Once, I completed the autopay, it indicated that payment would be due on XX/XX/XXXX. However, I received an email indicating the bill is past due. How can the bill be past due when autopay was set up on XX/XX/XXXX. The email also indicated that due to the past due bill the terms of the agreement in terms of deferred interest are no longer applied to the account.
Product: Mortgage

Attached you will find receipt of timely monthly payments since mortgage inception dating to last XX/XX/XXXX.

XX/XX/2018- we arranged to change our Home owners insurance to a new company. to begin XX/XX/XXXX. 
When we received a refund check from our old Home owners insurance company and we contacted US Bank to ask them how to proceed, they stated it would be faster for us just to pay a years premium and send them a copy of the receipt and gave a website and pin information to log in with that receipt. We purchased the years insurance and sent the copy and new insurance information XXXX18 at XXXX. XXXX stated they received a duplicate payment on XX/XX/XXXX for the {$2300.00} from our Mortgage company. Meaning after they instructed us to pay the year premium they did also. The mortgage company monthly payments still reflected the outrageous premium from our old home owners insurance provider and refused to adjust the paperwork they had received but acknowledged that we had a new insurance provider. The Mortgage company was only trying to continue our escrow reflecting the outdated amount, they were now including a charge for the overpayment of the homeowners insurance which was the result of THEIR overpayment. Our new insurance company returned the overpayment to us instead of back to the mortgage company, which we sent back to the mortgage company via 2 day Fed ex to arrive on XX/XX/2018, tracking number XXXX. We were in contact with the mortgage company many times during the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXto get this issue resolved, which they would not allow contact with any upper management or supervisor and they refused to adjust the account. They stated they review escrow once a year unless an adjustment is specifically requested. We stated that they had received the new information which greatly reduced our premium and would actually result in lowering our escrow a bit, and they were responsible for updating account information as it was received. I have made my monthly payment as to the paperwork signed in mortgage every single month, and they have begun to withhold my payments and send me letters that stating that I have not made a mortgage payment for the month with is utterly false and their own records SHOW they received the payment, they just wont apply it. It is now XX/XX/XXXX, they still have not made all the necessary updates that any professional company should regarding customer accounts PLUS they are harassing me two to three times a day with phone calls stating that I am behind on my payments and threatening continuously to damage my credit report. XX/XX/2018 They told me they would have the account straightened out by XX/XX/XXXX and would send a new statement reflecting the updates. I told them that if they didn't get this figured out since it was their departments I was filing a complaint with their regulator, and I did file a complaint with the OCC on XX/XX/2018. I received a letter from the OCC stating they were turning the issue over to the correct department and have never heard back. PLEASE HELP.
Product: Mortgage

My loan with Dovenmuehle was paid off on XX/XX/XXXX. When I logged in to confirm my loan was paid in full there was a disclosure that stated to allow 15-20 days for escrow refunds. Since that time has lapsed, I have called on at least five separate occasions and been told every time that a task would be opened and to allow an additional 6-10 business days for the refund. Today ( XX/XX/XXXX ) when I called, I was told that the " wrong task '' had been opened previously and now the correct task was being opened and I should allow another five days for the funds to be processed. I'm not hopeful they will resolve the issue so rather than continuing this fruitless cycle, I'm filing this complaint in hopes it will be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 RE : Method of Verification Request Dear Equifax : This letter is in response to your recent claim that verified the accounts they are reporting is accurate. Please find attached certified letter XXXX sent on XXXX XXXX. This is regarding Credit Report on XXXX XXXX number XXXX. 
Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error. See Below : - XXXX XXXX XXXX XXXX 4 Accounts ( XXXX ) Balance {$8600.00} Charge Off Balance $ XXXX Charge Off Balance {$2400.00} Charge Off Balance $ XXXX Charge Off - XXXX XXXX ( XXXX ) Balance {$31000.00} - XXXX XXXX ( XXXX ) Balance {$1000.00} Paid in Full Close - XXXX  ( XXXX ) ) Balance {$2000.00} I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible. 
Regards, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX : citi advises me via text and email there may be a fraudulent charge attempted. I call and it is for a furniture store. They say it is through a virtual card number ending in XXXX. They tell me No need to do anything because is it is a virtual card number and they declined, no need to replace physical card. 
XXXX I call several times advising citi there are more charges on the XXXX card number They tell me they can not see them and can not access my virtual card number transactions, they guide me through how to turn card off. It wont work. Screen shots below. I am transferred back and forth between tech support, fraud dept but nobody can seee these charges that I am telling them are not mine. 
XXXX. XX/XX/XXXX. XXXX XXXX, I have never been on XXXX so this cant be mine. Still outstanding XXXX. XX/XX/XXXX XXXX  XXXX. {$250.00}. After citi denied my dispute and said I have to pay called, they told me this restaurant has been out of business for a year. And they only have locations in XXXX XXXX. I am in XXXX. Still outstanding XXXX. XX/XX/XXXX : XXXX XXXX  XXXX  XXXX {$960.00}. After citi denied my dispute and said I have to pay called, they told me the order had been voided in their end because they suspected fraud. They refunded the {$960.00}. They are also only in the XXXX and the order was to deliver to XXXXXXXX XXXX Resolved by me. 
XXXX. {$40.00} XXXX XXXX XXXX XXXX. This is in XXXX. I live in XXXX. Denied by citi, but still outs XXXX {$270.00} XXXX XXXX XXXX I called the spa while the day rhe charge was pending. They ended up refunding.. also in the XXXX  area, nowhere near XXXX. 

I have been through every department citi can offer. I have answered their questions and asked to have it reviewed on XX/XX/XXXX. Nothing had happened. I even reached out via XXXX messenger during all of this. Nothing happened. I literally do not know what else to do. I just want the charges removed. I have spent XXXX hours dealing with this and they record all their calls and have notes in system about what happened with nobody being able to shut down this virtual CC number even though I called to report charges as they were happening. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been attempting to clear up the effects of identity theft. There have been many names, social security numbers, addresses, phone numbers and accounts on my credit reports that are as a result of this identity theft. I also have been made aware that I have a split file that Equifax claims to be unable to fix.

Issue 1 - In XX/XX/XXXX I had a disputed tradeline ( XXXX  ) deleted due to inaccurate reporting. The creditor attempted to delete the tradeline several times, but Equifax did not process the deletions due to the split file problem. This tradeline is now on my 2nd split file only. Resolution requested - It should be completely deleted.

Issue 2 - At the beginning ofXX/XX/XXXXI received a notice from XXXX that my credit score had dropped 200 points. I pulled my credit report through Equifax directly and saw that all of my tradelines were gone, and only 3 new collection tradelines were listed. When I called to find out what had happened I was advised that I had a split file. I have submitted my ID and Social, as well as address information, etc. and Equifax keeps sending me letters saying they are unable to fix my split file. Resolution requested - Immediately fix my split file.

Issue 3 - On XX/XX/XXXX I faxed another fraud block request for these new accounts. Included were my police reports, FTC Affidavit, proofs of address over the last 8 years, driver license, social security cards and a cover letter. I have been advised that this process will take 30 days. I have advised Equifax, in the request and over the phone, that this is a 605B request and that they have 5 business days by law. Resolution requested - Immediately process my 605B fraud block request.