23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a quote sheet from XXXX XXXX for a 2.625 % rate home mortgage refinance with XXXX XXXX XXXXXXXX XXXX on XX/XX/2021 ( XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I filled out and signed an application prior to XX/XX/2021. Since that time, I am told XXXX XXXX XXXX XXXX  was acquired by Simmons Bank and I received a new quote with a new origination fee that was not on the prior quote. During the acquisition by Simmons Bank, no loan officer would respond to any email or phone call for 21 days. Over the last four and half months, I have had 7 rounds of lengthy document requests ( averaging 20-30 documents per request ). Many of these documents I have provided 3 times as I am told they are now out of date. The typical pattern is I receive a document request and it takes 5-7 days to round up the 20+ documents to submit. I hear nothing for 2 weeks then there is a follow up request for supporting documentation which takes 5 days to round up and submit. After another 2 weeks of hearing nothing, I am told all bank statements + P & L 's + other documents are out of date and we need to start over. I have done this cycle three times and have hundreds of emails to prove it. During the last four and half months, mortgage rates have increased a full percentage point and there is no end in sight for the continual document request cycle. 

I do not understand why interest rates lock for 45 days but after 135 days I have not been approved for closing or denied, and I have now lost the favorable rate environment where I could have applied to another lender.
Product: Debt collection

I was victim of identity theft back in XXXX. I file reports online and with the police department. At the time I only dealt with credit report from XXXX. After investigation accounts were taken off credit report. I wasnt thinking I had to dispute with all reporting agencies. After requesting credit report from XXXX, some of the accounts were still on XXXX, so I went and got a copy of the police report and sent it to XXXX XXXX to dispute accounts. Matter was investigated, and items were taken off my credit report from XXXX. Dignifi reported account again, and item was reinstated on my credit report. Ive lived in the same residence since XXXX. Ive had my same phone number since XXXX. I have money and I dont need to request a loan for anything. Dignifi cant produce contract I signed or linked with any address, phone number, or anything Ive been associated with.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to REMOVE the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 


XXXXXXXX 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 been unsuccessful with mailing in disputes and calling in reference to unauthorized inquiries been reported on my credit file.
Product: Credit reporting

I disputed several medical accounts with Experian and received a message stating per the FCRA 611 ( a ) ( 3 ) ( A ) they will not process my dispute XXXX. However, I have filed a complaint with XXXX Enforcement process for each of these creditors and, I have proof of insurance that I can not add to the dispute.
Product: Money transfer, virtual currency, or money service

My account on Paypal was closed due to an unintentional mistake on my part and my money was suspended for 180 days and this is an unfair decision. 
case ID XXXX
Product: Credit card or prepaid card

I had to close down my Capital One checking account in XXXX due to ID hacking. While I was closing down my checking account someone had already charged {$6000.00} on my Capital one credit card so I paid it in full and destroyed it. 

Today is the second offer sent to me in the name of XXXX XXXX. XXXX and I was told I owe {$1900.00}. I have told all credit card companies multiple times that they need to block my accounts ; I put freezes on all the credit bureaus. Consequently, someone else named XXXX XXXX. XXXX is getting multiple offers for pre approved credit cards using my address ; this needs to stop. 

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

On XXXX XXXX XXXX  I received a denial for a rental from XXXX XXXX who claimed the denial was due inpart from AMRENT, INC, I did not consent to false information being shared against me by AMRENTS, XXXX or any other agency,.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that my credit report had changed in XXXX. I found that XXXX XXXX XXXX reported a delinquent account with Experian. I contacted XXXX XXXX  XXXX and they agreed that I had never ever had an account with them. I then reported this to Experian and disputed the account and charge. Two days ago I received the report of their investigation and it said that nothing changed due to the company reporting things correctly. This is totally false and I 'm not sure they even talked to anyone from XXXX XXXX XXXXXXXX because I have talked to three people and none of them were able to find an account with my name and numbers on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I keep getting charg3d over draft fees all yea long and also they double charge the same charges or I will put money in have that amount then they say they charge me for a pet tense fee which I have no idea why
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/2023 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Student loan

There has been inaccurate reports on my credit report coming from a student loan that is not mine I tired multiple times to dispute it through all 3 credit bureaus and constantly being denied
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX my account was permanently limited by Paypal, the reason given was " due to potential risk. '' XX/XX/XXXX at XXXX, I sent a message through Paypal 's official XXXX page. After going through the automated chat system, the XXXX XXXX stated, " I've placed your message into the queue and an agent will respond back as soon as possible! '' Never heard a response from an agent, as of XX/XX/2023. 
XXXX XXXX XXXX XXXX, I XXXX and sent a direct message to XXXX XXXXPayPal 's XXXX account. I was able to chat with an agent, given the initials XXXX, but when I asked why my account was permanently limited, I was just told to refer to my original notification that it was permanently limited " due to potential risk. '' I was not told what the potential risk was and that the permanent limitation was something they " would be unable to change, '' and I would be able to withdraw my account funds after 180 days.
Product: Mortgage

I have contacted RoundPoint multiple times tell them that I have achieve a 78 % LTV ratio and asked them to remove the PMI from my account. RoundPoint told me that they can't drop the PMI until I get a new valuation ( order by them for my home - up to {$600.00} in cost to me ) or 2024 ( final termination ). Under the Homeowners ' Protection Act, the lender is required to cancel your PMI when the loan reaches a 78 % LTV ratio.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Some of these accounts are a result of identity theft and a report is added to this complaint. 

Account name : XXXX XXXX XXXX XXXX XXXX 

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 an account without my written instructions.

15 USC 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. 

These inaccuracies are hindering me from getting a new apartment and I need to move in XXXX weeks. These inaccuracies may cause me and my family to be homeless if they are not removed from my report in a XXXX manner to allow me to get approved for an apartment.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of specific accounts from my credit report in light of a recent data breach that has compromised my personal information. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Below is a list of accounts that I believe should be blocked and deleted : XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$3000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$1600.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX. XXXX  - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} Additionally, I request that you also investigate the following inquiries, as they may be a result of unauthorized access to my personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I reached out numerous times to Amex credit card XX/XX/XXXX, a week after and XX/XX/XXXX about a dispute charge of {$490.00} from a merchant XXXX XXXX XXXX XXXX  ended up refunded. Neither the dispute or the refund from the merchant were ever posted on my account. Case ID # Case ID - XXXX and XXXX are cases from XX/XX/XXXX indicates that a rep from Amex via chat, processed request to transfer the credit balance from XXXX account to another. As well as the {$490.00} to be posted and also transferred to another account that currently has a balance. They keep telling me that it is still in process, after they told me it will take up to XXXX hours for the transfer requests to be posted and said I should wait until XX/XX/2023. I waited and nothing happened. I chatted with someone from Amex via chat on XX/XX/2023 and they stated that they will submit a review request.
Product: Debt collection

FCI LENDER SERVICES INC ( " FCI '' ) Claims they are the Servicer for XXXX, XXXX. 
The loan was not assigned to XXXX XXXX. 
Attached is a copy of the letter from FCI stating that they are the Servicer for XXXX, XXXX. 
If the loan is not assigned to XXXX XXXX. Then the question of enforcement does not arise. 
Currently XXXX XXXX is not licensed as a Lender. Pursuant to MD. Financial Institution Section 11-219 ( a ) Sale prohibited. -- A licensee may not sell a loan account to any person who is not licensed under this subtitle.

( b ) Account unenforceable if acquired by unlicensed person. -- A loan account that is acquired by a person who is not licensed under this subtitle is not enforceable. 
NOR. as Collection Agency in the State of Maryland.

Md. BUSINESS REGULATION Code Ann. 7-301 ( a ) In general. -- Except as otherwise provided in this title, a person must have a license whenever the person does business as a collection agency in the State.

FCI can not priovide Services to an entity who lacks the required licenses.

FCI is involved in unjust enrichment, willful malicious prosecution of a Homeowner.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX EMPLOYER - XXXX XXXX XXXX XXXXXXXX - XXXX XXXX VERIFY - XX/XX/XXXX RESIDENT VERIFY - XX/XX/XXXX
Product: Checking or savings account

2 fraud checks were cashed by chase bank and XXXX XXXX plus other eft transfers using my account number the eft transfers were credited 30 days later now for the last 6 months trying to get checks credited they have admitted it was fraud but i am getting the run around i tried everything and the mgr of bank has also tried everything he has called the fraud dept in XXXX numerous times only to hear the same run around he said he escalated it to the highest level and still no one has called or done anything he is the only one trying to help me it seems like they want just to hold undo funds
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$120.00}
Product: Debt collection

Dear Collector : Please be advised I XXXX XXXXXXXX state this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger an action for damages brought by an individual consumer against Americollect INC, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 
Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX state that your claim is disputed, and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this  alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of all claims against myself, and your tacit agreement to compensate : XXXX XXXX for costs and attorney 's fees. If after careful review of this debt, you find you have no valid reason to further your interest with me, please delete any negative information you are reporting to the credit bureaus and send us written verification this account has been deleted and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX on XX/XX/2022 and Experian on XX/XX/XXXX about an account that keeps reappearing on my report after being deleted. Reinsertion goes against FCRA regulations. The account XXXX XXXX XXXX  which reported on XX/XX/2022 is a reinserted account for XXXX. The representatives of both let me know to upload an FTC document in order to get this taken off. It appears that their online uploading tool is not working as the bureaus still keep reporting this account after sending them such documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my credit card had suspicious activity with USAA. I called USAA and reported the fraud charges. USAA never called up to take down the information and in XX/XX/XXXX I received a credit card statement showing a balance of {$6.00} being owed and they said if we didn't pay they would close the card. 
My wife called as the account is through her but it was my card. USAA said that they would fix it. This went on for months until XXXX when we got another statement saying we owed the same amount. Again my wife called and they had already closed the account that was paid in full, XXXX balance with a {$6000.00} credit limit and reported me as delinquent to the credit bureau. Again USAA said they would fix it. 
Fast forward to XX/XX/XXXX my wife spoke with USAA again as I had tried to apply for a small personal loan and was denied, the reason was USAA. 
The lady my wife spoke with helped her over a 2 hour period to ensure they would get this handled. What my wife found out was USAA never reported the original charges in XX/XX/XXXX as fraud. As it's been too long now they can't report them the usual way so they had to go through a special department within USAA to get it handled. My wife called again today, XX/XX/XXXX, and USAA pretty much said we can't help you. 
I would like them to fix the credit card and reinstate at the original {$6000.00} with the interest we had originally. Take off the delinquent charge and report as fraud like it should have been done originally. Then they need correct the credit issue so my credit is fixed! 

Everything was via phone call and all the notes are in our account under my wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had disputed some accounts to be removed from my credit report by all three credit bureaus between on XX/XX/XXXX through XX/XX/XXXX. I have already contacted all three credit bureaus as well as the company that is reporting on the accounts. Please refer to the attachments. The original account names were XXXX XXXX XXXX XXXX| Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX ADS / Community / XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX have reached out to these companies stating that these accounts have nothing to do with me. They once again are charging me for it. I have sent proof and notarized letters to all three-credit bureau. Please help me out. I have reached out to XXXX XXXX  and XXXX  They are not wanting to help even with the proof that has been provided. I am even having issues with XXXX XXXX XXXX Account Number XXXX over my school loans, I attended XXXX XXXX from XXXX, they made me take put loans and even promised me internships and jobs but did not deliver. The school closed down and none of the credits are transferrable to other colleges. They even made my mother take out a separate loan, were still stuck trying to figure out how we ended up with multiple loans. Once again please help.