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

We have a small business loan with Key Bank. I am told that I need to reach out to the local branch, which is located in XXXX, CT. In XXXX, I spoke with XXXX of the branch who did not know what I was talking about. I stated I needed a payment history and a letter of good standing so our condominium complex could be re-certified by FHA. I finally spoke with a woman in business banking at the Ohio office who did mail me the account history, but she stated I needed the letter of good standing from the local branch and she would reach out to them on my behalf. That was just over 2 weeks ago. 
I phoned XXXX in XXXX, CT at KeyBank today at XXXX XXXX  and was told she was at lunch. I asked for a return call. I called them again at XXXX XXXX, XXXX stated she was leaving the bank and was going to have her manager take the call. The manager, I think her name is XXXX got on the phone, stated she was with a customer and would call me back. I told her right out that I needed this letter yesterday and if they did not call me back or resolve this major issue, I would call the banking commission. She did call me back at XXXX XXXX  while I am writing this complaint, which I did inform her I am writing. The branch states they do not do a letter of good standing, She again states she can not get this letter to me.
Product: Debt collection

Genesis FS has failed to accept the terms of the agreement with XXXX XXXX XXXX. They accepted the payments that means they accept the terms of the agreement.
Product: Debt collection

Tekcollect purchased my debt balance to XXXX XXXX XXXX, a dental company that went bankrupt in XX/XX/year>. XXXX XXXXXXXX XXXX can not honor their lifetime smile guarantee or offer as per the signed agreement. Nor will they provide support for their products per the agreement as they are no longer in operation.This nullifies the agreement. Furthermore, I have never signed any agreement with Tekcollect and have never agreed to any terms of payment to them. I purchased a product that I did not receive as agreed upon. The treatment that I did receive was also subpar and unsatisfactory. I believe that not only do I not owe anything to Tekcollect, but that the owners or beneficiaries of XXXX XXXX XXXX owe me for the monies that I paid them for a " lifetime '' service and support that I no longer receive. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

For additional information, and to download all documents filed in the Debtors chapter XXXX cases free of charge, please visit XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Please provide in detail the procedures that were used in order to verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, its is not only detrimental to me as a consumer, but an invasion of my privacy and these inaccurate accounts are harmful to my reputation as a consumer. It is unlaw to report any inaccurate information to my consumer report, as unverified information is identity theft and an act of constructive fraud. As written by congress the failure to comply with the removal of these inaccurate accounts makes you liable under section 1692k of title 15 and 1681n of title 15. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX/XXXX XXXX U S DEPT OF ED/XXXX/XXXX  XXXX DEPT OF ED/XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXXXXXX  XXXX  XXXX Inquiry : XX/XX/XXXX XXXX  XXXX  XXXX/XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through XXXX mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 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

am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX, Experian is govern by 15 USC 1681. And they violated my rights numerous of times. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ( XXXX XXXX XXXX )... has violated my rights NUMEROUS of times. 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. I Demand These Accounts Be Removed From My Credit Report Listed Below. ( XXXX XXXX XXXX ). ( XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had a fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX  XXXX on XX/XX/XXXX Account number ( XXXX ) an personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) a personal loan opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an revolving Opened at XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) 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

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent several letters via USPS Certified Mail requesting that the credit reporting agency remove an unverified account from my credit report ( XXXX XXXX XXXX ). Each time I send a letter, they do not investigate the matter, instead they send something back wanting more information from me ( proof of address, copy of social security card, etc ... ). I have sent a total of 4 letters to them over the last few months.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX - XXXX XXXX  XXXX
Product: Mortgage

Before we refinanced we had Net Escrow Refund of {$2400.00} with PennyMac Mortgage. We refinanced a VA loan with PennyMac Mortgage Co. on XX/XX/XXXX to lower interest rate. I requested that Closing Disclosure be faxed to us, we signed and faxed it back. We had a XX/XX/XXXX loan signing, the XX/XX/XXXX Disclosure did not match the Loan Docs., final closing statement, but we signed anyway. We then noticed we did not see or receive Escrow refund on loan documents. I called, spoke to loan agent XXXX XXXX, Loan Officer ( XXXX.Ca. ), she referred me to loan processor, XXXX XXXX ( XXXX, Ca. ) XX/XX/XXXX, he said he would look into it. On XX/XX/XXXX over 2 months later, I received a new Addendum to closing disclosure with completely different figures. I did quite a bit of research on this and discovered that under TIL-RESPA Requirements, The new CDF comes with Stringent Requirements that were not met. First the time line, 2nd-Closing Cost Details-costs of loan were changed in different areas Also, ie ; Summary of Borrowers and sellers transactions, Escrow funds, etc. I am lodging complaint because of this and that 12 CFR1026.38 ( f ), ( g ) and CFR 1026 ( j ) and ( k ). which were not done. I asked for breakdown on the summary of Borrower 's Tranaction CFR1026-38 ( j ) ( 1 ) - ( 4 ) ie ; ( Itemization amounts XXXX to XXXX ) also see Appendix H of CFR 1026.38 ( t ). I also noticed a amount shown as Aggregate Adjustment, What is does that mean. 
The amount paid to 3rd party XXXX change. I I AM REQUESTING A FULL REVIEW AND DISCLOSURE OF MY CLOSING PAPERWORK. ALSO, Including the above itemizations, breakdown of ESCROW ITEMIZATION OF AMOUNTS PUT IN LOAN AND WHERE IS ESCROW AMOUNT OF {$2400.00} IN PREVIOUS LOAN.
Product: Mortgage

I, XXXX XXXX requested an itemized statement XX/XX/XXXX in my initial complaint. 

This request was made due to previous notice ( s ) sent by Habitat for Humanity affiliate office XXXX XXXX County. 

I would like to clarify my request : I, XXXX XXXX would like an itemized statement for my mortgage account. This statement would include all deposits, credits, debts and fees assessed to my account. This statement would include all payments made in chronological order. This statement would have a balance ending in the current actual balance of the account as it is to date. I would also like to clarify my request to include all payments made from my escrow account disbursement. 

On the document received dated XX/XX/XXXX payments made are incorrect, notably payments made during XX/XX/XXXX through XX/XX/XXXX. All payments made from XX/XX/XXXX to date have been made by check form whether cashiers or personal minus payment for XX/XX/XXXX. 

I do not see the deductions from Taxes or insurance. The escrow disbursement history shows only HOA payments. 

I would also like to state that I XXXX XXXX have fully and abundantly exercised all contact methods with Habitat for Humanity International, its affiliate office XXXX XXXX County, and their Legal Representative in the matters of my account prior to my initial complaint XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

XXXX Reversal to XXXX XXXX through Paypal {$810.00} XXXX Reversal to XXXX XXXX through Paypal {$810.00} XXXX transaction XXXX Payment reversed to XXXX XXXX Paypal {$260.00} Paypal is the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX have violated my consumer right which has forced me to file a federal compliant and law suite please see accounts listed accounts on my Affidavit  these accounts are now in litigation. PLEASE SEE ATTACHMENT.
Product: Mortgage

A few years ago I was heavily solicited by a Wells Fargo mortgage consultant, XXXX XXXX, to refinance a rental property I own in XXXX. I explained to her on several occasions that I had no interest due to the changes in mortgage insurance ( 1.2 to 1.55 % for the life of the loan vs XXXX until the loan reached XXXX loan to value ). She continued to aggressively pursue me stating that I can do a streamline FHA and not change my MI. Stating, " There are a lot of people who are n't familiar with this guideline since there is very few people fit the criteria. '' On multiple occasions I explained to her that I do n't like surprises and to fully disclose. She specifically told me that there were no gotchas and once I reached XXXX loan to value I could call Wells Fargo and drop the mortgage insurance. 

A couple months ago I reached out to Wells Fargo to drop the MI and they told me that when I refinanced my loan that the time period in which I would be required to keep mortgage insurance was extended by 5 years. Thus, costing me XXXX of dollars. I have been fighting with them for months and they are unwilling to help until I threatened to contact you, CFPB. 

Here is my complaint:1 ) Had they fully disclosed the timeframe in which I had to keep MI I would have been able to make more informed decision. Likely would have written a check to get the loan to XXXX to prevent this or forgo the loan entirely. 

2 ) My original loan was with Wells Fargo and my refinance was also with Wells Fargo and mortgages are a very complicated financial instrument. How can we allow firms like this to do predatory soliciting that is n't in the best interest of the consumer especially post 2008? The mortgage consultant had access to my old mortgage and knowingly convinced me to refinance even though it was n't in my best interest - thats should be fraud. 

I have email that I have kept regarding this conversation with the Wells Fargo 's, XXXX XXXX, if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon revieing my credit report to try to obtain a rental property i noticed that there were numerous items on my report that did not belong to me. XXXX acount # XXXX for {$84.00}, XXXX account # XXXX for {$98.00} and XXXX. XXXX  account # XXXX for {$830.00}. Theses account are not mine and do not belong to me i have never had these acoounts before. I have also made a report with identitytheft .gov report # XXXX please remove these account from my credit report immediately.
Product: Bank account or service

I want to get my last name changed back to my maiden name with US Bank Home Mortgage. I currently have a mortgage through this bank. I was legally divorced on XXXX/XXXX/XXXX. I called US Bank in XXXX XXXX and notified them of my request. They mailed me a name change packet and requested documentation. I filled everything out and mailed it back. Since I did n't hear back from them, I assumed the name change had taken place. In XXXX XXXX, I received a copy of my annual escrow account disclosure statement and noticed my last name was still my married name. I called them to inform them that the name change had not taken place. They stated they did not have a copy of my final divorce decree. I asked them to look into the documentation that I submitted because everything was in the same packet so if they received all of the other documents, they should have the divorce decree. I did not receive any further follow up phone calls or emails to notify me of the results of the search. I called again on XXXX/XXXX/XXXX and they stated they still did not have the copy of the divorce decree so I faxed over the copy to the fax number that they provided me. I continued to call to verify they had received the document. I was told that it takes time for the bank to receive the information and then update my account. I called on XXXX/XXXX/XXXX and was told they still had not received the divorce decree. They gave me another fax number which I faxed the document to. I called on XXXX/XXXX/XXXX and they confirmed that the document was received but it takes 7-10 business days to update my account. I called again on XXXX/XXXX/XXXX, which was 10 business days and was told the account was still not updated. This time, the person I spoke with called another person to check on the status. She informed me that there was no documentation as to why the name change had not taken place and that this person would call or email me. I never heard anything back from anyone as of yet. I am writing this to ask for assistance in getting US Bank to change my last name to my maiden name. I have made at least 20 phone calls since XXXX XXXX and I still have not been able to resolve this. There has been no communication from the bank to me, NO COMMUNICATION, I have current email and phone numbers with them. I need to file my taxes and can not do so because they have the wrong last name. They also sent me a refund check on my account, which I can not cash, as the check has my married name listed. Please help.
Product: Credit card or prepaid card

I opened an Account with Victoria Secret and my Balance was XXXX. They decreased down to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the XXXX credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 


XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX