23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Went to the credit card companies website to make a payment. I submitted the payment and the response from the website was the transaction " timed out '' please visit our site at a later time. I logout out came back, later and tried again. This time the message was, we are experiencing technical difficulties. please try again later. I did and got the same message. When to check my checking account balance and the transaction was posted XXXX times. Called the XXXX number on the back of the card. Operating asked me which of the transfers were to be reversed and I told her the last XXXX. I asked how long it would take to have the funds returned and she said, " depending on the backlog, between XXXX and XXXX days ''. 
I found this situation unacceptable. Want to let other know of the issue I was having.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX y equifax to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
Product: Mortgage

I have an escrow account that is used to pay my mortgage insurance. I closed in XX/XX/2020 and my mortgage insurance has never been paid by my mortgage company ( AmeriSave ). I contacted loan services and was unable to reach a live person so I left a message. Loan services contacted me back and left a message saying to contact the title company. I contacted the title company who directed me back to AmeriSave and provided documentation showing that AmeriSave needed to pay my mortgage insurance. My loan officer at AmeriSave told me he could not help me and that I needed to talk to loan services. I attempted to contact loan services on three different days and have not heard back. I contacted my insurance company and let them know the situation. My insurance company informed me that they have never received payment from AmeriSave and that if one more payment was missed there would be an interruption in service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my previous complaint ending in XXXX, I still have no clue what Clarity Services is talking about! There's an inquiry that's still illegally reporting in my credit file. They are required under consumer law -- under the FCRA & FDCPA -- to provide me with original signed documentation bearing my actual signature that verifies / validates the inquiry! They are currently under violation of the law. If Clarity does not provide me with this REQUIRED DOCUMENTATION, then they MUST DELETE that inquiry from my credit reports! I've attached my ID. I am submitting my complaints here -- nobody should be contacting me elsewhere! Provide me with what I'm supposed to get! If you do not, then you need to delete that inquiry!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the removal of inaccurate and outdated account information that XXXX XXXX XXXX has furnished on my credit report, as provided by Equifax. It has come to my attention that this account information is erroneous, outdated, and in violation of my rights as a consumer under both federal and state law. 

Upon initial investigation, as mandated by federal law, Equifax was required to obtain consent from me, the consumer, before including any information provided by XXXX XXXX XXXX on my credit report. However, Equifax failed to adhere to this requirement, thereby violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, in the state of Alabama, where I reside, there are specific laws in place to protect consumers like myself from such infringements. Alabama law stipulates that consumer consent must be obtained before any private information is furnished to credit reporting agencies. Equifax 's failure to obtain my consent directly contravenes this statute and constitutes a breach of my privacy rights. 

I want to emphasize that I did not give Equifax consent to furnish my private information, nor did Equifax contact me upon the initial investigation as required by law. This lack of communication and disregard for proper procedure has resulted in unjust and damaging information being included in my credit report, which can have significant repercussions on my financial well-being and future opportunities. 

As a remedy for these violations, I demand that Equifax take immediate action to : XXXXRemove the inaccurate and outdated account information furnished by XXXX XXXX XXXX from my credit report. 
XXXXCease any further reporting of erroneous or outdated information from XXXX XXXX XXXX or any other unauthorized sources. 
XXXXProvide written confirmation of the removal of said information from my credit report within the legally mandated timeframe. 
XXXXTake steps to ensure that proper procedures are followed in future investigations, including obtaining consumer consent and conducting thorough and accurate assessments of reported information. 

Failure to comply with these demands will result in further action being taken, including but not limited to pursuing legal remedies available under the FDCPA and FCRA. I expect a prompt and satisfactory resolution to this matter and will be monitoring my credit report closely for any updates. 

Please acknowledge receipt of this dispute letter and inform me of the actions being taken to address the inaccuracies outlined herein. I can be reached at the contact information provided above. 

Thank you for your attention to this matter.
Product: Checking or savings account

I made a purchase from XXXX on XX/XX/XXXX for XXXX of the exact same pairs of sneakers just different colors in the amount of XXXX. The package arrived with empty shoe boxes inside. I contacted the merchant and they said they could not refund me and to contact my bank. I opened a dispute with Wells Fargo. They closed the claim in my favor providing me with full credit of XXXX. Then days later they deduct XXXX of the XXXX from my account saying it was a mistake being the merchant credited my account {$610.00} on XX/XX/XXXX. I explained to several representatives that the refund for {$610.00} was for a separate transaction. They told me I would need to provide proof that the {$610.00} was for a separate transaction. I faxed and emailed their claims department a copy of my receipt for the original transaction showing the price of each pair of shoes was {$640.00} plus tax along with a copy of return information for the separate transaction in the amount of {$610.00} that XXXX was able to provide me. They kept closing my claim saying they never received my documents despite me calling within XXXX days of emailing or faxing the documents to confirm they received them and being told they have them and were working on my claim. They closed the claim yet again as of XX/XX/XXXX which is what I was told today because they say the documents are too blurry to read despite the first rep I spoke with saying they could view them clearly and despite them sending me an email on XXXX/XXXX/XXXX saying they are still working on my claim. But I'm being told since the claims escalation rep says they were blurry they " can't do anything for me '' and they also now are saying it's past the timeframe for them to do anything despite me sending over the documentation they have requested at least 5 times since XX/XX/XXXX. Pretty much no one wants to do their job and could care less because it's not their money. I want my money back as they are taking my money for a refunded transaction that has nothing to do with the disputed transaction and I've provided documentation to prove so since XXXX. I've also included time-stamped emails proving the dates that I previously sent over the documentation requested. And on top of that, no one ever reaches out to contact me. The email says if they are unable to reach me they will base the decision on what they have. They've closed the case several times and no one has ever reached out to me to say they never received the documents, weren't able to open the documents or their new excuse that the documents were blurry.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Bridge Crest XXXX, I hope this letter finds you well. I am writing to express my deep dissatisfaction with the service I have received from your company, particularly in relation to inaccurate information being reported on my credit account and your refusal to provide an official title for the vehicle financed through your institution. 

I entered into a financial agreement with Bridge Crest XXXX for the financing of a vehicle, and unfortunately, my experience has been far from satisfactory. Despite my attempts to seek accurate information about my account, I have encountered numerous challenges. The information provided by your representatives has been inconsistent and, in some instances, outright false. This has not only caused confusion but has also had a detrimental impact on my XXXX XXXX. 

Furthermore, I am deeply concerned about the refusal of Bridge Crest XXXX to provide an official title for the vehicle as required by law. This lack of documentation not only poses legal issues but also raises questions about the transparency and compliance of your company with regulatory standards. 

I would appreciate your prompt attention to these matters. I kindly request the following actions be taken : A thorough investigation into the inaccuracies in the information reported on my credit account. 
Immediate correction of any inaccuracies found in my credit report resulting from misinformation provided by Bridge Crest XXXX. 
The provision of the official title for the vehicle in accordance with legal requirements. 
A written response addressing the concerns raised in this letter within 15 business days from the date of receipt.

I believe that addressing these issues promptly and transparently is in the best interest of both parties involved. Failing to do so may compel me to escalate this matter to relevant regulatory authorities and seek legal advice to protect my rights as a consumer.
Product: Vehicle loan or lease

I payed my car loan without delay for 72 months without any problems. When my loan payment book ran out of checks at 72 months, I assumed my loan was paid off and awaited my tittle. That 72nd month payment was on XX/XX/XXXX. I was waiting for my tittle, but had not received it so I called in XXXX and was informed that there were three additional months. I was confused because they did not provide a check book with the correct number of months, but I understood. I paid them for the month of XXXX over the phone and they waived the late fee incurred over the misunderstanding because I had not missed payments before. I then set up automatic payments for the month of XXXX and XXXX for the amount of {$420.00}, like previous payments. That is what I was told the automatic payment should be. On XX/XX/XXXX I received a letter in the mail stating that my account was past due in the amount of {$100.00}. The automatic payments they set up did not correctly pay off the loan as I was made to believe. When I called they refused to waive the late fee I incurred from their mistake and failure to schedule payments in a manner to completely pay off my loan. 

XXXX This summary was typed by the consumer 's son, with her permission and on her behalf. The service representative 's name is XXXX and her employee number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A late payment has been added to my account 3 times erroneously. I checked my credit report recently and it even says that I have a 30 day late XXXX & XX/XX/2022. How can that be on an acct thats been closed since XXXX.
Product: Mortgage

In XXXX 2015 mya mortgage was sold from XXXX to Seterus, owing no more than {$160.00} on principal, then Seterus did send to me a letter of welcome but with no information about the money that I did owe on the mortagage, they ask me for a payment of {$3600.00} wich was send it to them on XXXX, then i ask for a pay off cuote and they required from me another payment for the amount of {$3500.00} wich was send it to them on XXXX. I was told by them that this payment was to pay the XXXX tax of 2015. They did not pay tax and send me a refund for the amount of {$2300.00} wich happens to be exactly the same amount of escrow that was transfer from XXXX to Seterus. So there is a balance of at least {$3500.00} that should be returned to me as well. I been calling them every other day and every time they have a diferent answer and bottom line they dont want to refund that money so I hope you could help me a on any way to recover my money that Seterus wants to keep with no rights to retaining it, I do believe that there is some type of discrimination toward me because i don speak perfect englishXXXX. Thank you so much for your time and your attention to this matter. 
XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have been paying my loan off on time for the last 4 years with Lendmark Financial. My balance was {$170.00}. I processed my last payment online today and scheduled it for tomorrow. Due to issues I have heard about pay off practices with this lender, I decided to give them a call and confirm that all my obligations will be satisfied. I was then told that i will till owe money and that the amount listed is not what I actually own. 
I tried to speak with the manager and express concerns about irregular practice in which the information online and over the phone are not correct, and I was told that it is all in my loan docs! 
I have heard that a lot of other customers had the same issue with this lender and this is why I decided to submit my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$610.00} ( XXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX : {$530.00} ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

On ( XX/XX/year> ), I sent a letter to ( PREMIER AUTO CREDIT ) requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has ( PREMIER AUTO CREDIT ) complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( XX/XX/year> ), along with an updated FTC identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the XXXX XXXX XXXX  et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Product: Checking or savings account

Wells Fargo admitted XXXX XXXX XXXX  products not needed, not wanted, not authorized specifically IDENTITY THEFT PROTECTION
Product: Debt collection

After multiple attempts to resolve an issue with a gym membership, my information was sold to Aldous and associates have stated I owe a balance and have not contracted with this company. 
Aldous and associates have obtained my personal information from a company without consent of the consumer in order to sell personal private information in order to ruin my financial reputation. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a XXXX form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please delete account from your records.
Product: Mortgage

loan with LoanDepotDBAIMortgage this company rip me off XXXX basis points. charged {$7100.00}. on a {$200000.00} loan amount. 
They make you sign disclosures when you meet with loan officer XXXX XXXX XXXX XXXX XXXX XXXX ) who explains to you so fast turning the pages so that you have no time to read every detail. He explained you will not pay anything out of pocket for closing costs, that the builder 's credit would be to pay all closing costs. At closing I ended up paying over {$5000.00} out of pocket as they came up with new figures and they gave me no opportunity to reject. How can you believe that {$5000.00} from mortgage company and {$12.00}, XXXX from builder were not sufficient to pay closing costs? They got the {$5000.00} from increasing the interest rate .5 %. They advertise that you will get {$5000.00} rebate if you get a loan with them. It turns out that they do n't give you anything but they get it from you by increasing the rate to create a rebate. In turn you end up paying for it but they do not explain it. This is how they rip off people who do n't know the intricacies. unaceptable! 
Also they rip you off by using their own services for Credit report {$65.00} when in fact a credit report cost is {$15.00}, and Appraisals without giving us a receipt of what it costs them. This should be against the law.
Product: Credit card or prepaid card

Unauthorized credit inquiry from Avant on XX/XX/2020. I sent a letter to XXXX  to have removed with no success.
Product: Checking or savings account

On XXXX XXXX, 2024, opened a new small business account for the sole proprietorship I operate as owner in response to a promotional offer, with a promise of a {$400.00} bonus for having XXXX consecutive months with a balance of {$2000.00} or more and for using the debit card tied to the account for XXXX or more purchases. Despite meeting these terms, I have not received the advertised {$400.00} bonus.
Product: Payday loan, title loan, or personal loan

I went to XXXX XXXX XXXX with my puppy and rabbit in the car and went to leave and my car was gone. The tow truck driver saw my dog in the car and still took it. When I contacted him he was very rude and told me that I couldn't get my things out till Monday and if I didn't shut up and listen to him he would take my babies to the animal control. I owe XXXX on the title loan but at the time am having a very hard time because I have XXXX XXXX that are impeding into my life. ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times to inform them that this City of XXXX account do not belong to me. Transunion still have not removed this account from my credit file. Please assist me in getting this account removed from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost concern regarding unauthorized activities involving my personal information and credit profile. I declare under penalty of perjury, pursuant to the laws of the United States, that the following statement is true and accurate to the best of my knowledge. 
I am aware of my rights under both federal and state law to file this dispute, and I understand the serious consequences associated with any intentional misrepresentations or omissions of material facts, as outlined in 18 U.S.C. 1001 and 18 U.S.C. 1621. 
The discrepancies highlighted within my credit report, as outlined in the accompanying documentation, do not correspond to any transactions initiated or authorized by myself. I allege that an unknown individual or entity has unlawfully utilized my personal identifying information to secure goods, services, or financial resources, resulting in the unauthorized creation of accounts.This matter deeply concerns me, and I seek your urgent assistance in investigating this issue. I trust in the Federal Trade Commission 's commitment to addressing such fraudulent activities and safeguarding the rights of individuals under the law.