23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were trying to trade our current mobile home in on a new home and the closing attorney needed a copy of the title of our current home and was not having any success in getting it from Wells Fargo so they asked for my assistance. This process started in XXXX. On XX/XX/XXXX I contacted XXXX at my local branch of Wells Fargo in XXXX, SC on XXXX. XXXX told me it would take one to three business days to get the copy of the title. On XX/XX/XXXX XXXX called me to let me know he was working on my request and I could contact him if I had any questions. On XX/XX/XXXX I talked with an associate of XXXX who wanted to let me know he had to leave the office early. On XX/XX/XXXX I went back to Wells Fargo to see what progress XXXX had made and he told me that he was told it would take an additional week to ten days to get the copy. On XX/XX/XXXX. XXXX called me and told me to call the XXXX to get a copy of the title. I called the XXXX and was told that I could not get a copy because the lean holder was the only one that could get a copy. My case was turned over to a Home Equity Specialist named XXXX. I have had trouble getting XXXX to return my phone calls. She called me on XX/XX/XXXX while we were out. I tried to call her back on XX/XX/XXXX, twice on XX/XX/XXXX and finally heard from her on XX/XX/XXXX at XXXX when she told me that I needed a to get a DMV lean report. I went to the XXXX to ask for the report and they told me there was no such report. I was able to getan information inquiry which showed that my mobile home was still showing the lean holder as XXXX bank. XXXX was aquired by Wachovia who was aquired by Wells Fargo who did not update the information after the takeover. Wells Fargo said they only have a copy of the loan agreement. I tried to call XXXX back on XX/XX/XXXX to tell her what the XXXX told me and can not get her to return my calls. I tried to start the process over again by filing another request on XX/XX/XXXX. I started at XXXX and was given other numbers to call and transfered to to different departments ending up with the mobile home department and being put on hold and when a person came back on line i was told she could no longer help me and hung up on me. I have been hoping that I would recieve a solution by now but got another letter saying they would have a resolution by XX/XX/2017. Can you please help me get a copy of the title to my mobile home. I can provide Vin #, Vehicle ID and such information as needed upon your request. 
Thank you for your assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 None of the accounts were deleted from my account and are affecting my financial situation.
Product: Credit card or prepaid card

Can not login to my account to make payments for two months. I asked them to merely waive payment my payment responsibilities until they get this fixed. They refused and forced me to make a phone payment otherwise I would get a late fee they said. No need to pay late fees for a problem that is not mine.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. 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. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am disputing several unauthorized inquiries on my credit report. These inquiries appear on my report without my knowledge or consent, raising concerns about potential identity theft or a violation of my rights under the FCRA. According to FCRA Permissible Purposes ( Section 604 ( a ) ( 3 ) ) it requires credit reporting agencies to have a " permissible purpose '' to provide your report. Unauthorized inquiries wouldn't fall under any permissible purpose. Remove these unauthorized inquiries immediately from my credit file. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Subject : Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) Dear Customer Service, I am writing to request the immediate blocking and deletion of all fraudulent accounts and inquiries that have been reported on my credit file due to identity theft, stemming from the Equifax data breach. Pursuant to 15 USC 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are required to block and remove this fraudulent information from my credit report once notified. 
The accounts and inquiries in question are as follows : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> To facilitate this process, I have provided the following documents to verify my identity : A copy of my government-issued ID Proof of address ( e.g., utility bill or bank statement ) A copy of a police report or FTC Identity Theft Report Please process this request promptly, as mandated by federal law. I would appreciate written confirmation once the accounts have been blocked and deleted from my credit file. If you require any further information or documentation to complete this process, please do not hesitate to contact me at the phone number or email address listed above. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSPICUOUS NOTICE As a Federally Protected Consumer, I demand to invoke my right to opt out in relation to disclosing my nonpublic personally identifiable financial information to nonaffiliated third parties. According to 12 CFR 1016.10, an opt out is given by direction of the consumer. I am requesting for DISCOVER BANK to immediately stop sharing my personally identifiable financial information with all credit reporting agencies and all other third parties. The personally identifiable financial information includes : information a consumer provides to you on an application to obtain a loan, a credit card, a credit union membership, or other financial product or service, account balance information, payment history, overdraft history, and credit or debit card purchase information, any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account as defined under 12 CFR 1016.3 ( q ) ( 1 ) ( 2 ).
Product: Credit reporting

There is a XXXX collection listed on my credit file, I have not had this company for 8 years. I have disputed with Equifax and they have never investigated
Product: Credit card

I signed up for the Capital One Quicksilver card via this link : XXXX As you can see, it specifically advertises that there is no annual fee. A month after my enrollment, I noticed a {$39.00} membership fee charged to the account. I have called and emailed several times, presenting evidence of the original offer, but they reply with automated messages, ignoring the substance of the issue.
Product: Credit reporting or other personal consumer reports

To whom it may concern. I am requesting a copy of the 1099c form filed on this account, XXXX XXXXXXXX XXXX XXXX XXXX Huntington Debt Holdings, LLC XX/XX/year>. If you guys dont send the form within 15 days Im requesting a removal of the account. If the request is not met within a timely manner under the FCRA, I will be suing for statutory damages for any creditor that furnishes inaccurate information about a debt, incorrectly reporting a charge-off claiming that I owe a debt. Civil liability for willful noncompliance 15 U.S.C. 1681n states that anyone who obtains a consumer report under false pretenses or without a permissible purpose is liable to the CRA for actual damages or {$1000.00}, whichever is greater.
Product: Bank account or service

Lowes credit card, serviced by Synchrony Bank, is taking 7- 14 days for an online payment to clear if the payment exceeds {$500.00}. Is this a maneuver to attempt to have payments posted as overdue because of the extended time for an online payment to clear? 
Does the law limit this action which does not seem to serve the consumer? 
Visa posts in 24 hours. 
Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car payment are showing 90 past due on for the mouth of XXXX XXXX and XXXX XX/XX/2018 and XXXX XXXX and wasn't late and this hurting my change on get a home and will remove after I sent the payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter to each credit bureau on  XXXX / XXXX / 2017  requesting that ALL public records and judgments be removed from my reports. Each bureau removed all public records except for a bankruptcy. Bankruptcies are not obtained thru the actual courts, but instead obtained through a  3rd party  company and I am unaware as to where this bankruptcy information is being reported from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use XXXX XXXX XXXX for my truck financing. There has been a late pay which was in XXXX. It was on my XXXX and my Equifax. I disputed it on Equifax on XXXX/XXXX/XXXX. I went in and checked my report on XXXX/XXXX/XXXX and there was 4 more late pays from XXXX to XXXX that showed up after i disputed it. I called XXXX XXXX and asked how could 4 pays show up a year later. The lady whom I was speaking to said she did n't know who handled the credit reporting for XXXX XXXX. She told me to contact a credit agency to ask them.
Product: Credit card or prepaid card

The Sams credit card company sent me a statement with a balance due and I never use the credit card in my last months statement I paid off. So I called the Sams credit card company to ask them what am I getting billed for I havent used my card and now they are stating that they over charged me for a return twice they stated that they return something and overcharge me yet when I ask them to show me on my statement where it is that they overcharged me they took me to a return that I returned from a purchase that I made and Ive been calling and calling and talking to many people and no one can answer me what I am being charged for.this charges happen on XX/XX/2022 l.its been going on for 2 months now, nothing has been resolve
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account XXXX with a reporting " voluntary surrender '' in the amount of {$38000.00} is reporting on my credit report. It is an inaccurate account and MUST be removed immediately. It violates 15USC 1681 a, i, j. Attached is a copy of the FTC report to prove the account as fraudulent.
Product: Checking or savings account

Funds were to be received back to originating bank that send the funds. 
Funds were deposited from cashapp to us bank account. Funds cant be deposited back to cashapp since cashapp is not a bank Its been 3months since account closure and money kept. 
It has has consequences on financial life. 
If money is not returned I will have to seek legal action.
Product: Credit reporting or other personal consumer reports

I had an auto loan with XXXX XXXX XXXX XXXX. After my car was totaled in an accident, the claims adjuster communicated directly with XXXX, indicating they would pay off the loan balance. They required certain information from XXXX to proceed with the payment. However, XXXX was slow to provide this information and insisted that I continue making payments on a loan that was already closed and satisfied. It seemed as though XXXX XXXX deliberately delayed releasing the information to the claims adjuster to keep receiving my payments. I tried to speed up the process by urging XXXX to send the necessary documents to the insurance company for the final loan payment. Eventually, XXXX complied, and the insurance company settled the loan in full. Despite this, XXXX XXXX marked me as late, even though they were aware the car was totaled and the insurance company had agreed to cover the remaining loan balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Paid off my Car loan in XX/XX/XXXX. There was never a payment that was late on XX/XX/XXXX or XX/XX/XXXX. XXXX is incorrectly reporting to experian and I was never 30 days late on any of those payments around that time. I spoke with someone at XXXX and made sure all my payments were good and they confirmed.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. US DEPT ED XXXX Balance Owed : {$7900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised, Im currently on XXXX XXXX and my payments are current. But for some reason Florida Department of Revenue is reporting the account as a charge off. This is wrong. Account number XXXX
Product: Credit reporting or other personal consumer reports

This Accounts was paid in full in Accordance with 26 CFR 1.6050P-1 by creditors policy 's so please update to paid in full and balance of {$0.00} as shown by such filed 1099-C. 

XXXX XXXX acct # XXXX account balance {$91000.00} opened XX/XX/2024
Product: Mortgage

I contacted Amerisave this past XXXX regarding a refi of our home. We currently have a VA loan. We applied for a VA refinance the early part of XXXX. The process then began. We were required to pay a {$500.00} fee that would cover their initial costs. The only time they would contact us is when they needed a document. They wouldnt return phone calls, texts, or emails until weeks later but only because I would finally get hold of someone. They kept stringing us along. Our income is six digit - way above six digit. We owed {$380000.00} on our {$560000.00} home. We have had our mortgage going on six years. Our credit score is over 800. During the many months of working with Amerisave a VA appraisal was required and was accomplished. I finally gave up and told Amerisave they failed to perform and I told them I wanted a refund. They refused. I requested they turn over the VA appraisal which they did but I was told by a second lender that we went to in XXXX that Amerisave would have to release the appraisal directly to them. They wouldnt. Our new lender then contacted the VA informing them that Amerisave would not release the appraisal. Amerisave finally released the appraisal under threat from the VA if they didnt. The next day, the appropriate people were in receipt of the appraisal. Unfortunately we had to pay {$800.00} for the appraisal since our original up front payment to Amerisave this past Spring supposedly was for fees and not for the cost of the appraisal. Due to no fault of our own such as changing our mind or unable to qualify, but instead Amerisaves inability to perform, we are now out {$1300.00} and approaching a closing date with the new lender. Amerisave misled us and had already taken 4 months to refi our home, which is not even close to the industry standard. Theres no telling how much more time would have been required before we could close. This company is a sham in my view and should be stripped of their license.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to redispute items on my credit report but Experian isn't allowing me to. As long as incorrect information is on my credit report I will continue to dispute them. I believe they are in violation of my rights. I can and will continue to dispute.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX, Ny, XXXX XXXX ] [ Transunion ] [ XXXX XXXX XXXX [ PA, XXXX, XXXX Re : Inaccurate Hard Inquiry on My Credit Report I am writing to dispute an inaccurate hard inquiry on my credit report. I have reviewed my credit report and found an unauthorized inquiry from Transunion dated XX/XX/year>. I did not authorize this inquiry, and it should be removed from my report. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681n ), you are required to ensure the accuracy of the information you report. Inaccurate reporting can result in civil liability for willful noncompliance. I request that you investigate this matter and remove the inaccurate inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

COUNTY OF XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My  XXXX   XXXX    XXXX   Retail card was closed and the reason is noted as consumer request to close.      1 )  I never requested this account be closed, I was n't notified in writing email or by phone. all my contact information is up to date and no attempts were made to contact me,  XXXX  did n't even argue this point. This is totally unprofessional and poor service for customers.      2 )  This misreporting has prevented me from securing student loans.      3 )  My average account length, utilities, used to available credit ratio. The score dropped  XXXX  points.      4 )  Requested Resolution : The account needs to be reinstated, returning my average age of credit, credit use to limit ratio, number of accounts, and mix of account types to where they were prior to the UNAUTHORIZED closure of my account and the INACCURATE CREDIT REPORTING.
Product: Money transfer, virtual currency, or money service

Hello I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violation.
Product: Credit reporting or other personal consumer reports

I " XXXX XXXX XXXX '' have noticed late payments on my consumer report that must be removed and deleted. Within addition, I request a new update with the credit cards reporting payments on time. According to the law FCRA 15 USC 1681 a 2Ai. ( 2 ) exclusions. - Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The credit bureaus have violated these consumer laws and must be held accountable for.
Product: Prepaid card

Amex Prepaid Gift card not able to be used. Called XXXX times and said the the card available balance was there and saw that my transactions was declined multiple times ( provided no reason ). Asked me to continue to " TRY '' and use it other stores that accept American Express. Keep getting declined so called again and said I can submit a refund and it will take XXXX weeks. The card was a gift so the refund goes back to the purchaser and not the recipient of the gift card. Customer service from XXXX is of no help.