23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX I met with banker XXXX at XXXXXXXX XXXX XXXXXXXX, XXXX, OR XXXX and received a HELOC. I received no counseling about loan, was nervous and stressed, and asked banker 3 times is there any out of pocket expenses to this loan if I never use the loan. " no '' she replied 3 times. People in waiting area to see XXXX, I felt rushed and we talked for a while then she had me sign all the documents. I did not have the opportunity to read all small print but trusted XXXX because she promised there is no OOP expenses with this loan. On XX/XX/XXXX I called US bank to close this HELOC account because I knew I could not afford to pay any advance payment interests, therefore I must close the account. The banker said he'd close the account and I would receive a letter to that affect. On XX/XX/XXXX, I rec 'd bank letter dated XX/XX/XXXX, XXXX stating I owed an " outstanding balance '' needed to be paid before they close my account. I rushed on XX/XX/XXXX, feeling very stressed, to local US bank at XXXXXXXX XXXX  XXXX XXXX, OR XXXX at XXXX XXXX, spoke with banker " XXXX  '' who told me I owed {$550.00} in order to close account. I told her I was never advised of any such fees, and if I'd been aware I would NEVER have signed the loan papers in first place. She innsisted I owed this, I asked for supervisor, but none were there.. I told XXXX that I was having chest pain and felt like I was having a XXXX over this demand for {$550.00}, my face was bright red, she noticed this, and said : '' I'll get in touch with a supervisor, there are only a few who are in charge of many banks each, but you go home and rest and we will call you today. I have not heard a word since from anyone at us bank.I contacted my MD because I felt a XXXX was imminent due to stress of that large sum of fraudulent money being demanded. XXXX also told me that penalties and fees will continue to accrue daily until you pay the amount needed to close your account. I have been house bound, sick in bed since then, spending energy contacting US bank for assistance, getting no help after several calls. I've been researching how to handle this very disturbing situation and I've found HELCPA 1988, and HOEPA 1994 " protects consumers with potential financial shortcomings, including lying, coercion, taking advantage of a lack of financial experience ''. I'm XXXX y/o, my income is at the poverty level. " Interest rates, payment terms, & miscellaneous charges must be disclosed with the loan application and before the first transaction ''. per HELCPA. Today is XX/XX/XXXX and I'm sick i bed from this enormously stressful situation. I plan to go to Small Claims Court if possible. Please help me with this injustice and lack of Equity in business.
Product: Debt collection

XX/XX/2023 we received a bill for " move out charges '' from an apartment we have never lived at for {$100.00}. The company is XXXX XXXX XXXX. We have been fighting with the company ever since. Now, the {$100.00} has been turned to Columbia Debt Recovery LLC. whom does NOT respond to any phone call, message, or email.
Product: Checking or savings account

My husband died on XXXX XXXX, XXXX. He had a lockbox with XXXX bank which he had put into his corp.s name XXXX They have asked for proof that he was the only share holder of the company. I have provided federal tax returns, state corp. license , corp. resolution ( written by my attorney ), etc. They are still saying that this is not enough. 
I have been fighting with them for 5 months. Each time I go to XXXX I usually have to get a room which adds to the cost. Never mind gas and time involved. 
I am hoping that my husbands contract for his company is in the lockbox. I am ready to sell it and move on with my life. Without the contract I can not move for ward. 
Please help me,
Product: Credit card or prepaid card

My card was stolen on XX/XX/2021. The person who stole my credit card made purchases at several stores including XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. This criminal spend approximately XXXX at these stores with most of the amount going to gift cards. I called one of the XXXX he purchased a gift card at and when they looked at the camera they said it was someone wearing a hoodie. I disputed the charges with Chase and they removed the purchases but recently they put the charges back on my credit card because they said these purchases are from stores I usually shop at. I would like to file a complaint because I am a victim of credit card fraud and Chase is not handling this situation responsibly
Product: Credit reporting or other personal consumer reports

Recently accessed my credit report and noticed many discrepancies on the report. These accounts are holding me back financially from obtaining anything involving my credit such as a car and purchasing a home. The following accounts I do not recognize and are fraudulent XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, as well as two XXXX XXXX inquires. I also noticed several different addresses on my credit profile that do not belong. The following addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, FL XXXX. And the only variation of my name is XXXX XXXX do not understand the many different names up there. My only phone number XXXX. Also I have read that according to law that these in accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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: Credit reporting or other personal consumer reports

I have requested directly to Affirm Inc that XXXX different accounts be removed from my report ( s ), as that they allowed the accounts to be opened using my information, despite my credit being frozen. I provided all the information from XXXX that was provided to me. I filed disputes with XXXX as well. 

The first dispute through XXXX ( first account ) got denied, with Affirm stating the information was accurate. It is not. This account was opened on XX/XX/year> ( while my credit report was frozen ) with an original balance of {$370.00}. It was closed some time in XX/XX/year>. No late payments, but also not an account that I opened. 

The second dispute through XXXX ( second account ) is in progress and Affirm has also opened an investigation, but I have little confidence that the result will be any different. This account was opened on XX/XX/year> ( while my credit report was frozen ) with an original balance of {$1300.00} and a current balance of {$1200.00}. This account remains open, had several payments made on time, but has now become at least 30 days past due as of XX/XX/year>. This is heavily impacting my credit score.

I did not open these accounts. I have been the victim of identity theft for over 7 years now and Affirm is the only company that has caused issues with correcting the fraud. Considering the data breach they experienced, one would think they would understand how identity theft works and make efforts to correct it when it happens to victims. 

My credit reports have been frozen for many years. Further, on XXXX I have a fraud alert on my report ( as of XX/XX/year>, well BEFORE either of these accounts were fraudulently opened ). 

Affirm needs to correct these instances of fraud and have the information they falsely reported to XXXX ( and any other credit bureaus ) removed. Further, they need to actually respect the fact that I have a credit freeze on my reports and stop giving this thief accounts/money. 

At this point, I consider Affirm Inc complicit in allowing these fraudulent account creations and their continued existence. I would highly recommend anyone entertaining the idea of doing business with Affirm to avoid them at all costs.
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile I noticed several fraudulent items on my credit report per15 u.s code 1681b permissible purpose of consumer report I have listed all items on my ftc report EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX ) opened XX/XX/year> amount {$180.00} XXXX XXXX XXXX XXXX XXXXXXXX ) opened XX/XX/year> amount {$590.00} XXXX XXXX XXXX XXXX ( XXXX ) opened XX/XX/year> amount {$330.00} XXXX XXXX XXXX XXXX XXXX ) opened XX/XX/year> amount XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) opened XX/XX/year> amount {$180.00} XXXX XXXX XXXX XXXX XXXXXXXX ) opened XX/XX/year> amount {$590.00} XXXX XXXX XXXX XXXX ( XXXX ) opened XX/XX/year> amount {$330.00} XXXX XXXX XXXX  ( XXXX ) opened XX/XX/year> amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) opened XX/XX/year> amount {$180.00} XXXX XXXX XXXX XXXX XXXXXXXX ) opened XX/XX/year> amount {$590.00} XXXX XXXX XXXX XXXX ( XXXX ) opened XX/XX/year> amount {$330.00} XXXX XXXX XXXX XXXX XXXX ) opened XX/XX/year> amount XXXX
Product: Mortgage

I purchased a home in XXXX from what was then Nations Bank. In XXXX after noticing inconsistencies in several refinances within Bank of America a complaint was made to XXXX XXXX. To date, I have never received the resolution to case XXXX. All mail for XXXX XXXX XXXX was forwarded to XXXX XXXX XXXX. I then noticed in XXXX that the address of XXXX XXXX XXXX was changed to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX that I never authorized or had any knowledge of. I have been a victim of identity theft any proceeds from the home was not received by me. Any checks issued was not signed by me or received by me. Communications pertaining to the complaint was never received by me or did I authorize anyone to speak on my behalf. In searching old documents, the names of XXXX XXXX and XXXX XXXX were fraudulently put on loan documents and accepted by Bank of America in taking over property or finances not due to the suspects. The loan # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
My name in reference to the loan had XXXX names as XXXX XXXX and XXXX XXXX XXXX. I am the person who bought the home with no cosigners. I signed my name as XXXX XXXX
Product: Bank account or service

I had an insurance claim at my house about 2 months ago. The insurance check was made payable to the bank because I had a mortgage on my house. The job is complete and the bank has not released the money so I can pay the workers who repaired my house. They say it was being sent, but then there was a " batch error '' so they had to stop payment on it, but it should go out tomorrow. I wait two days and still no check, so I call back. This time it had n't been sent because the stop payment had not cleared, I would think that if the bank made a mistake, they should be able to fix it. Please find out why they are keeping my money. My name is XXXX XXXX, the bank is PNC, my claim number is XXXX. I have been dealing with XXXX XXXX with the PNC branch in XXXX, NC. My address is XXXX XXXX XXXX. XXXX, NC XXXX. My phone number is XXXX. Thank youXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account FIFTH THIRD BANK which has been deleted by XXXX  and XXXX. XXXX   and XXXX have both completed their research and determined that FIFTH THIRD BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022 Ive already included this report in my previous letter & I am including it again. 
Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

This debt is from a XXXX XXXX that I was involved in last year and I was XXXX in the XXXX with XXXX and XXXX XXXX and had to receive XXXX for my XXXX this debt is supposed to be paid from the insurance company I was the passenger
Product: Mortgage

In XXXX of XXXX I started the process of refinancing my home in order to lower my monthly payments. My original loan was with Virginia Housing Authority, now Virginia Housing. The closing for the refinance was XX/XX/XXXX, and the payoff statement included the mortgage payment for XX/XX/XXXX, with payout to Virginia Housing on XX/XX/XXXX. I paid the mortgage payment for XXXX on XX/XX/XXXX. This means that Virginia Housing received XXXX payments for the month of XXXX. They have NOT reimbursed me for the double payment. 

I received a check on XX/XX/XXXX, in the amount of {$360.00} stating that was the amount I had in my escrow account. I called Virginia Housing on XX/XX/XXXX, and spoke with a representative of the company. He informed me that yes, they received the XXXX mortgage payment from me on XX/XX/XXXX, and yes, they received the payoff from XXXX loans on XX/XX/XXXX, which also included a mortgage payment for XXXX. More than that he could not tell me and stated that loan payoffs are an entirely different department and there is no phone number for them. He provided me with an email address, XXXX, and told me to email them. He stated that they typically respond in XXXX to XXXX days. 

I emailed Virginia Housing on XX/XX/XXXX, and again on XX/XX/XXXX. I have received no response nor have I received the refund for the XXXX mortgage double payment.
Product: Credit reporting or other personal consumer reports

This is a follow up to the following currently open cases : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Please be advised that you will be receiving a followup complaint everyday starting today until you have taken steps to address this issue and I am no longer being harmed by your reckless disregard for State and Federal laws and the rights they afford me.

Today I spoke with an agent from Experian who confirmed you have and have had all the required documentation needed from me to block the information from my credit report in accordance with section 605b of the FCRA. However, I also learned from the agent that Experian does not handled requests made to block information which is the result of identity theft, in accordance with section 605b. The agent informed me that Experian does not block the information itself and instead relies on the furnisher to do so. FCRA 605B ( a ) ( 15 U.S.C. 1681c-2 ) states " Except as otherwise provided in this section, 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 XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Thus it is Experian who is responsible for blocking the information and not the furnisher. Even if Experian were to delegate this responsibility to the furnisher, Experian would still be responsible for full compliance with the applicable law and thus would be liable for the harm caused by the non-compliance.

In the present matter, the first time Experian received notice from me, which fully complied with FCRA 605B ( a ) was on XX/XX/2023. Regardless of whether Experian, the furnisher, or another third party was delegated the task of review and approval of the request by Experian, It was still legally obligated to ensure the task was completed within XXXX business days, which would have been XX/XX/2023 at the very latest. No action was taken until XX/XX/2023. Not only was Experian 's reaction untimely, it did not conform to the requirements of section 605B. Experian has since been given multiple opportunities to address its mishandling of my requests, but has declined to do. As a result I have and will continue to suffer irreparable harm. For example at the end of this week I will be homeless because I have been unable to secure housing because of the reporting of this information by Experian. Forcing someone into homelessness is inhuman and pure evil. The damage Experian will cause me come Friday will have a permanent adverse impact my life. Should this happen, I will spend every waking moment of my life to ensure you are held accountable and to stop you from ever doing the same to anyone else again.
Product: Credit reporting or other personal consumer reports

i have late payment in my credit report but not is mine, and inquiries, that not is mine
Product: Debt or credit management

Dear Sir/Madam, I am writing to formally file a complaint regarding the actions of Lexington Law and their affiliated services, which I believe have violated the Consumer Financial Protection Act of XXXX  and the Telemarketing Sales Rule. My experience with Lexington Law has caused significant financial harm, emotional distress, and undue hardship over an extended period. I am requesting assistance from the CFPB in seeking appropriate compensation for these issues. 

In XXXX, I contracted Lexington Law for their credit repair services, as I was struggling to improve my credit score and financial situation. I paid for their services with the expectation that they would help me repair my credit and provide tangible results. Unfortunately, despite months of payments and communication with Lexington Law, I did not see any improvement in my credit score.

The lack of results left me financially drained, unable to secure loans or credit, and forced me to remain in a toxic living situation due to my financial limitations. The emotional toll of this situation was severe, leading to physical health issues, including a loss of over 30 pounds due to stress and XXXX. 

In addition to the lack of results, I received repeated emails, phone calls, and harassment from Lexington Law, continuing to market their services and promising results that never materialized. Despite my repeated attempts to resolve these issues, I was billed for services that I did not receive, which caused additional financial strain. 

I believe that Lexington Laws practices are a violation of consumer protection laws, particularly regarding the illegal charging of upfront fees and false advertising about the results their services would deliver. Given the financial and emotional harm I have suffered, I respectfully request that the CFPB investigate these actions and provide guidance on how I may proceed to seek compensation for my losses. 

In addition to the financial loss ( which includes payments to Lexington Law and the harm caused by missed opportunities ), I am also seeking compensation for the emotional distress caused by their failure to deliver results and the impact it has had on my health and overall well-being. 

I have documentation to support my claims, including : Payment receipts and billing records. 
Email correspondence and marketing materials. 
Evidence of my credit score at the time of service and subsequent improvements after ceasing service. 
Medical records that reflect the stress and emotional toll this situation caused. 

I appreciate your attention to this matter and hope the CFPB can provide guidance on how to address these violations, seek appropriate compensation, and prevent others from facing similar harm in the future. 

Thank you for your time and consideration. I look forward to your response. 

Sincerely, XXXX XXXX
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Date of Birth : XX/XX/1982 Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

My capital one account was in a result in fraud and identity I would like to re open my account because I was not using my account someone else hacked my account
Product: Money transfer, virtual currency, or money service

I have been locked out of my XXXX and Coinbase account for almost a month. 

They are holding around {$5000.00} in virtual currency value and said they would get a " specialist '' on the case almost 10 business days ago. They have failed to respond or update me on the case and I have not been able to access my funds for almost 1 month! 

Case Number # XXXX and # XXXX