23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Disheartened in Loan Depot. Poor communication and not knowledgeable. 
My husband and I are both retired educators in WV. Recently, we had pursued a mortgage loan with Loan Depot. None of the Loan Depot or Mortgage Connect Title reps knew what was needed, or when they did determine what was needed, could effectively explain in a timely nature what document we needed to file at our Court House pursuant to the closing date. My husband and I worked fervently with XXXX and XXXX at the last minute to have the correction made once it was determined what the Title Company wanted, but filing of this at the court house was six ( 6 ) days past closing date. We asked Loan Depot to extend the closing by one week as the breakdown was their knowledge of the situation at hand and inability to explain what was required. Initially and three months prior to closing, Loan Depot, XXXX precisely, knew nothing of what Mortgage Connect Title needed and most of the time would not return calls stumbling around with information that was of no relevance at all causing more delay. We went straight to Mortgage Connect and their agent was ineffective as well. We finally had an exact answer from XXXX but it was just a few days prior to closing and not enough time to file the document at the Court House. Loan Depot WOULD not extend a one week closing date for us at our request. We are sorely disappointed in how this was delayed simply due to not having the information we needed from them timely enough to move this forward. We are talking three months. Additionally, I forwarded much the same information here to Loan Depot 's CEO, XXXX XXXX just today. Thank you for listening to our concerns.
Product: Credit reporting or other personal consumer reports

Your company 's response to my dispute has raised concerns about the thoroughness of the investigation conducted. Regrettably, the inquiries in question have not been adequately investigated, nor have you provided substantiated proof indicating their authorization by me. 
Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), it is explicitly stated that a failure to investigate these matters within 30 days warrants the immediate removal of such items from my credit report. Given that more than 30 days have passed without an updated status or resolution, this situation constitutes a clear violation of the FCRA. 
I insist on the immediate removal of these inquiries from my credit report to align with the requirements of federal law. Additionally, I have enclosed a copy of the FTC report, which contains these fraudulent inquiries, for your reference, emphasizing the urgency of addressing this matter promptly.
Product: Credit reporting or other personal consumer reports

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
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 XXXXXX/XX/XXXX The hard inquiries on my credit report I don't recognize nor did I consent to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX  XXXXBalance : {$3700.00} XXXX  XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : {$520.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I XXXX XXXX XXXX have some Fruad accounts, addresses, inquiries appearing on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was notified by XXXX XXXX that Equifax refused to give them my credit report in order to complete the refinance process on my mortgage. I also can not access my credit file, stating my information doesn't match what is on file. I was told via a customer service call to send a fax with identifying information to have a fraud alert and freeze removed. I sent the request information and followed up with a call to Equifax XXXX XXXX, the customer service agent assured me that the fraud/freeze was cleared on XX/XX/2020. conf number XXXX. As of XX/XX/2020 neither myself or XXXX funding has not been able to access my credit file. I am un able to close the refinance loan due to this awful situation. I am beyond frustrated. the loan processes sent me an email confirming that Equifax is stating that I am the customer have declared the inquiry as potentially fraudulent or misused, therefore the credit report is not available for delivery. 
Please help me get this resolved. Time is of the essence thanking you in advance email to loan processor : XXXX XXXX XXXX To : XXXX XXXX   XX/XX/XXXX at XXXX PM HELLO Thank you for this information. I will be filing a complaint with the consumer financial protection bureau requiring this matter. They have reassured me twice that there is no issue with my file. You have here evidence that there is a problem with my file. 


Meanwhile, my file is standing a a standstills and we are unable to move forward on this refinance. Frustrating! 


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Product: Checking or savings account

XXXX Scam in checking and saving accounts totaling XXXX. 
Claim : I sent money to one of my subleases ( XXXX XXXX ), who was supposed to take over my sublease in XXXX. However, the imposter claiming to be her claimed that she sent cheques to my apt building by accident as it was supposed to be delivered to her address. Thus, I sent multiple XXXX transactions to the request numbers. Out of all the transactions they were only able to recover {$3000.00} out of {$12000.00}. 
The representative that I contacted today stated that the only thing they can do is contact the recipient bank to get the accounts back, but banks have been refurbishing customers for imposter scams. I'm not sure where if they even have an option for refurbishments related to scams. 
Date of fraud reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : Research Completed : The claim was not approved and only partially refunded XX/XX/XXXX : Research Completed Claim was not approved and was unsuccessful in recovering funds XX/XX/XXXX : Research Completed, the claim was not approved and funds were not reeovered. 
XX/XX/XXXX : XXXX was not approved but will attempt to reach out to the bank XX/XX/XXXX : XXXX was not approved but will attempt to reach out to the bank There is one more attachment but I was unable to view it in my email ;
Product: Checking or savings account

My banks contract terms and services clearly state they will not give information to non affiliates. Yet I ordered my report from early warning services today. When I asked where they got this information, they said my financial institution. This means my banks, XXXX XXXX XXXX XXXX XXXX XXXX, chase, XXXX XXXX XXXX XXXX, since I was XXXX XXXX XXXX, each and every month they report this information is {$1000.00} violation. This is easily going to amount {$240000.00} minimum. Now, this is Violation according to 15 usc 1681 under permissible purposes. Also violation under 5 usc 22a requesting ssn and not a government agency? And charge offs Ive had have been reported as income, this illegal because they report transaction history. Id like this updated paid as is. And be compensated for amount charged off
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and XXXX, XXXX, and XXXX as well as secondary credit reports XXXX, XXXX, ChexSystems, XXXX XXXX XXXX XXXX XXXX XXXX are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX a fraudulent unauthorized closed account and account number # XXXX reappeared on my credit report. My information was leaked in the XXXX equifax data breach and was also leaked in the XXXX  XXXX data breach.
Product: Credit card

I am writing to you regarding a matter of utmost importance concerning an identity theft incident that has severely impacted my financial well-being. I have recently become aware of an account that is not of my doing and is the result of fraudulent activity. I am requesting your assistance in accordance with Florida state laws and FCRA During the mentioned period, I was XXXX overseas and did not have access to my account or my personal devices due to the nature of my service. Furthermore, I was made aware that my identity was compromised through a XXXX swap scam and email take over, which allowed unauthorized individuals to gain access to my accounts and personal information. 


ONEMAIN account # XXXX date open XX/XX/year> It is a fact that I am aware that the term " identity theft, '' as defined in 15 U.S. Code 1681a ( q ) ( 3 ), and Regulation V 12 CFR 1022.3, refers to a fraud committed or attempted using the identifying information of another person without authorization. This unauthorized account with ONEMAIN is a clear instance of identity theft as defined by the aforementioned laws. 
i have attatch police report I, XXXX XXXX, solemnly declare under penalty of perjury, that the information provided in this letter is true and correct to the best of my knowledge and belief. I did not authorize or engage in any transactions with ONEMAIN or the associated account number mentioned above. I have attached copies of supporting documents, including the police report, to support my claim. 

I respectfully request that you promptly investigate this matter and block remove the information related to this identity theft from my credit report, as permitted by 15 U.S. Code 1681c-2 ( a ). Furthermore, I request that you provide me with a copy of my credit report that reflects this blocked information. 

Please send any correspondence related to this matter to the address provided above or contact me at XXXX if you require any additional information or clarification. I appreciate your prompt attention to this matter and your assistance in resolving this issue. 

Sincerely,
Product: Payday loan, title loan, or personal loan

I received this home improvement loan to waterproof my basement. My basement still has water/moisture that collects. I have contacted the contractor for them to correct the issue but they have refused
Product: Debt collection

A fraudulent transaction took place, i filed a claim with my Bank chase and they ended up reversing it which led to my account being overdrawn in collections. My Employer improperly sent a direct deposit to this account and they refused to refund the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX  both responded immediately to remove fraudulent medical collections. Equifax has refused to allow me into my own account to dispute the accounts. I verified myself by mailing ID, SS #, and a billing statement. They still refuse.
Product: Debt collection

Midland Credit is trying to collect a debt from me that I do not owe. I have never heard of this company nor have I ever done any business dealing with them. They are reporting inaccurate information on my credit report. I did not sign any contractual agreement with this company and I do not have any contractual obligation to pay this company. Also I did not receive a dunning letter to get a chance at rebuttal before reporting to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I asked Transunion to update my address MULTIPLE times and they have not. A violation of my protected Consumer Rights.
Product: Credit reporting or other personal consumer reports

My loan information was shared to third party companies without authorization from XXXX-current date. It was sold to various loan services. Over the years I have made multiple attempts to contact and discuss. I submitted a letter to each servicer on XX/XX/25
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft, and someone tried to open credit accounts by impersonating me. XXXX XXXX  is one of them. On XX/XX/XXXX credit inquiry was made. I have filed police compliant about it, also I had filed dispute with credit reporting agencies. Moreover I had filed complaint with XXXX XXXX  too, but they have not got the inquiry removed from my credit file. Neither have I received a response from them about it.
Product: Money transfer, virtual currency, or money service

Last XX/XX/XXXX, I recieved an email from PayPal that my account was banned and permanently limited. That email says I violated the user agreement and accepted used policy of their company such as involving in illegal activities like gambling and lottery tickets with prize and fees and others. 

But I did not violate that policy as I am a financial adviser online who receives only payments from my clients and some from my friends. I never do such gambling or any other illegal activities like PayPal says and accused me of. 

I have my transaction history from my account showing my activities and all of money transactions that I have done since I created my account as a proof that I never received money from an illegal platform and from gambling. 


Few months ago I tried " online XXXX XXXX  '' app as my extra income it is a legit app where in they pay their users for watching adds. And I think this is legit and legal as this app is not a gambling sites and doesn't have any fees even single cents. They earn money from the adds that their users are watching and they share their profits to their users as payment. 

I hope PayPal understand it and give me a second chance to review and restore my account.

It's okay to me if PayPal hold my balances for 7days-21days because I understand that they need to be more careful in every transactions and need to verify it, but putting a permanent limitations in my personal account is so much as I didn't violate any PayPal rules. Maybe it is a system error or something but I hope I restored my account as soon as possible.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX on my Transunion report that I'm just seeing today. I have never had a XXXX XXXX card before.
Product: Debt collection

To whom it may concern I am not a lawyer : This account contract and signature spell incorrectly and it's not my signature investigate this properly. Nissan Motors allege that there is an account that belongs to me # XXXX for the past two years I have been disputed this account with Nissan Motors I also disputed this account with all credit bureaus apparently this account comes back verifiable it seems no matter how many times I dispute this account the credit bureaus do not do a proper investigation in the process of the two years I have been disputed this account I have taking the time to practiced. I am not knowledgeable of when this account was generated I am being forced to announce whit all my respect to the credit bureau and the cfpb.to enforce us code 15 u.s code 1692k-civil liability- ( a ) ( 1 ) ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) And 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( A ) And ( b ) Opt out In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

I'll preface this by sharing that I have been in dispute with Barclays for over two years for a negative ding on my credit report that was not caused by me. While I hope a new person at Barclays I reading this, I hope this issue can be escalated if there is still no resolution : On XX/XX/year>, I received a notification that my credit score had changed. It had dropped XXXX points from XXXX to XXXX. After examining my XXXX report, I identified the cause as a late payment of {$14.00} on my XXXX XXXX for the month of XXXX. I immediately called Barclays and found out that the missed payment was due to my auto payment being canceledon three separate occasions, WITHOUT my consent. Despite receiving confirmation from multiple agents that I never asked for auto-payment to be discontinued ( this is the sole reason I missed the payment ), they refuse to take accountability.
Product: Credit reporting or other personal consumer reports

Capital One Account # XXXX, I just recently viewed my credit report and notice that an item was turned into a charge-off. I never received a 1099 and was wondering could you please send me a 1099 for the alleged item that is reporting as a charge-off on my credit.
Product: Debt collection

calling for a person that is n't at this number, says to call them at XXXX and use a reference number. i advised them XXXX on the phone and left info on their web site this person is not at this number. after telling person on the phone the robo calls started
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX which was opened and closed in XX/XX/2007 and it is still on my record after 12 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband, XXXX and I, sent an investigation request to Equifax back in late XX/XX/XXXX. XXXX received the results of his investigation weeks ago. However, Equifax has not forwarded me my investigation results yet. They were supposed to respond within 30 days, and they have not. I am certain that they received our request, because my husband received notice of the items that were corrected on his report. Despite two follow-up letters, I still haven't received anything in the mail.
Product: Vehicle loan or lease

We went to Schomp Honda at XXXX XXXX XXXX XXXX CO XXXX to look at a vehicle they had posted on there website a XXXX XXXX XXXX, we test drove said vehicle and then talked to the salesman about the vehicle having no warranty he assured us that they had done a 125 point inspection and found that the head gasket had to be replaced and that there was no warranty due to that repair, but everything else had checked out ok. Within 2or 3 weeks the engine light came on, we took it in to be checked out by an outside auto shop and found out the problem was a bad engine that could not be fixed internal engine failure. {$11000.00} to replace then while they were finishing the inspection they said the 4 wheel drive system which is the  vtm was also going out along with the front and rear brakes that were so bad that we could have been in a very bad car accident, we were lucky that we took it in, and on top of that the cv joints and the struts were also shot bringing the total to about {$15000.00} dollars we contacted the dealer on XX/XX/122020 and they stated it was not there problem, they stated the car was sold as is. But what kind of a reputable dealer would put peoples lives at risk just to make money, then not even care. So the more i thought about it the more upset i got because now that they choose not to do anything about it, if i take this XXXX XXXX XXXX in to trade for another vehicle i am going to have to do the honest thing and disclose everything wrong with the vehicle and probably being stuck with about {$8000.00} worth of negative equity towards purchasing another vehicle. I then contacted the dealership again on XX/XX/2020 to try and resolve this matter by bringing back the XXXX XXXX XXXX and get my trade in money for my vehicle and my down payment money so i could look at another vehicle, again they turned me down and said they might consider taking the truck back but well below what i paid them for it and not receive any of my trade in allowance or my cash down money, stated thats not happening. This is why i am reaching out to you because they dont give a XXXX about myself or my wife just the money. This dealership should be put out of business and fined for the way they take advantage of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts of contacting these 3 credit agencies to renove this fraudulent information listed on my accoutn after their suppose investigations. Which I believe was never done because at the time of these accpunts being opened I was in prison. I sent information that proves I was in XXXX.