23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

FLAGSHIP XXXXXXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX POSSIBLE XXXX XXXX : # XXXX .... 
XXXX XXXX # XXXX .... 
XXXX XXXX XXXX # XXXX .... 
XXXX XXXX XXXX : # XXXX .... 
XXXX XXXX XXXX # XXXX ...., has violated my rights. 

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 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 ) ( 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: Mortgage

I am submitting this complaint in order to have the file audited for the following reasons : XXXX ) Discrepancies regarding the Monthly Interest fee for several months in 2020. Especially the months of XX/XX/2020 ( {$510.00} with an interest rate of .09750 % ) loan balance was {$240000.00} and XX/XX/2020 ( {$230.00} with an interest rate of .09750 % ) loan balance was {$240000.00}. I believe the interest rate in correlation to the loan balance is inaccurate and over charged by at least {$270.00}. I feel several months have been miscalculated. 

XXXX ) The security instrument ADJUSTABLE RATE HOME EQUITY CONVERSION MORTGAGE has a notary stamp or seal that DOES NOT look official or legal. The stamp shows irregularities ( no commission or expiration date?? ) Expiration date is HANDWRITTEN in!! I was a notary so I know that is incorrect. 

XXXX ) The HUD 1 shows a miscalculation of monies due to borrower. My mother was given {$8000.00} versus the correct calculation of {$8000.00}. This is why I feel the numbers are incorrect throughout the loan. 

XXXX ) The exact ATTORNEY FEES were added TWICE on 2 statements when this account was with XXXX XXXX. The months are statements ending in XX/XX/2020 and XX/XX/2020. An additional letter was sent on XX/XX/2020 stipulating that XXXX XXXX  forgot to add several fees to the XXXX statement of 2020.
Product: Mortgage

My client is XXXX years old and has been working with SPS on a short sale for over 8 months now. When she first started she was told she would receive {$10000.00} relocation assistance ( she has this in writing from SPS ). The HAFA relocation program had already expired ( XX/XX/XXXX ) but SPS failed to update their documentation. Then they told her she would receive {$3000.00} relocation ( she has this in writing from SPS ). In XX/XX/XXXX SPS then advised my client she would not be eligible for the relocation assistance. In addition to getting bad information about the relocation assistance, my elderly client doesn't regularly use technology. SPS is frequently asking for " one more change '' or " one more item '' which has caused her short sale to be delayed. My client 's agent finally asked our firm to assist as they are concerned this woman is being taken advantage of because of her age. I contacted SPS directly and was advised that the only change needed was to remove the relocation assistance on the HUD. We did so and submitted that information XX/XX/XXXX.  SPS policy is that they will review the file in 3-5 days to confirm documentation. When I spoke with the Ombudsman department on XX/XX/XXXX they indicated there were no new notes and they would send a request for an update. I called today ( XX/XX/XXXX ) and was advised that TODAY the file was reviewed, so a decision will be made within 30 days. SPS is out of compliance with their own guidelines and again, taking advantage of my client. They dangled relocation assistance in front of her, now took it away, now they are delaying reviewing her file. Once change was needed, one change was made. We need a decision ASAP.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX and notified them that there were many mistakes on my credit report and that it's preventing me from getting the correct rates for my business since the information they have is inaccurate. When I submit a dispute, all they respond with is stall letters and they don't respond back with any of the documents to show that " their investigation is accurate ''. I submitted disputes in XXXX, XXXX, and XXXX and waited the number of days in between disputes. I now request to get all the information deleted from my report immediately since they did not follow any prior requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I contacted Infiniti Financial Services and requested a settlement amount for a balance owed due to end of lease fees that was to the tune of {$9300.00} ( an amount I would never be able to pay ). I asked for a month to come up with the amount and was faxed a letter with the agreement to pay {$3500.00}, for the settlement amount by XX/XX/XXXX'19. 
I personally received the funds by the XX/XX/2019 and overnighted the check to Infiniti Financial Services and have noticed the funds have been applied to the balance on my credit report. Since then, I have been in constant dispute with the company because they have still kept the account OPEN with a balance of {$5800.00} and a monthly payment of {$580.00}. I'm constantly calling the company and receiving the run around and constantly being transferred, with no-one taking responsibility and trying to help me. This information on my credit report is skewing my debt to income terribly. I have asked Experian and other credit reporting agencies for their help and they still report the dispute as verified and unchanged. I don't understand it since I have provided them the AGREEMENT LETTER from Infiniti Financial and they see the settlement amount has been applied to my balance. 
I settled with other companies at the exact same time, and they have updated my credit report as SETTLED and CLOSED as agreed. Why won't Infiniti Financial Services do the same?
Product: Bank account or service

We were scammed by someone posing as a loan officer from XXXX XXXX and promised us {$20000.00} if we verified funds by sending money to someone by XXXX XXXX. The guy told us that it was just a verification process and once it was done we would have {$20000.00} in our account as a loan. Gave us prepayment terms and all. A mobile check deposit to our bank of america account of XXXX was done on XX/XX/XXXX. On XX/XX/XXXX we sent XXXX to a XXXX XXXX plus XXXX XXXX fee Total {$680.00} no out of pocket money as we thought at the time. Once we done what they asked, they then said we had to pay a out of state tax fee of {$200.00}. I refuse and that is when we realize this was a scam. We contacted the FBI on XX/XX/XXXX filed a report with them and they told us to contact Consumer Protection Bureau ( consumer finance ) and also do a report with IC3.gov. We just learned today XX/XX/XXXX that the check was returned and it was a United State Government check done by Mobile deposit and the bank has returned it causing our account to be seriously overdrawn. The mobile deposit was done by a out of town cellphone that is not ours. I have {$2.00} to my name. Contacted Bank of America Fraud Dept and was told there was nothing they could do to recover the money so we basically have to eat the cost because we withdrew the money and gave the scammers access to our account. I explained only to do a verification and at the time we did n't know ... .had no idea it was a scam. The FBI agent told us this is a well known scam and they are investigating this. But I live paycheck to paycheck and ca n't afford to eat {$680.00} cost and now we have no idea how we go make it to work with no funds because the return of the {$680.00} check ate up what money we did have in our account to make it to our next pay period. We have been scammed and are the victims in this matter and we should not have to pay for fraudulent activities from heartless and cruel people in this world taking advantage of people in need of money but took money from us.
Product: Credit card

I cancel a flight with XXXX  to stay for my XXXX XXXX XXXXXX/XX/24. The airline was going to reschedule the flight for XX/XX/24 and they agree to give me a credit or reschedule the flight in the future. I send them a picture of XXXX XXXX XXXX XXXX XXXX XXXX and a letter from the XXXX XXXX but a credit has not been given to me. Capital one send me a dispute form which I completed and provided an explanation and the letter from the XXXX XXXX They put the balance back on my credit card and are saying Im past due. The service was never provided to me. This the credit card that I primarily used in XXXX which I had to file other disputes as capital one is failing to properly monitor foreign credit card transactions. I had XXXX  XXXX  so I couldnt file more disputes but focus on larger transactions. I would appreciate any assistance on this matter.
Product: Debt collection

Continuous harassment by Portfolio Recovery Associates. I informed agent XXXX that this is an extremely fleshed-out issue, for which I have been contacted tens and tens of times. I have warned the company about a CFPB complaint, but they do not listen. 

This is not my debt. My debt was paid off. The card was charged off years and years ago. When asking for proof and verification, they can not provide it. 

This is illegal and wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

my students loan are reporting late payments back in 2015 however i was never late disputed with the credit companies XXXX  equifax and XXXX  i seen no proof ive sent in proof and it still reporting late payment on my credit which is keeping me from getting approve for a home loan
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX XXXX XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. Please delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX, someone impersonated Chime Bank, and told me to transfer my {$500.00} to Chime, and they would send it right back activating my pay advance loan called XXXX XXXX. They never sent it back. They stole my money. And Chime won't get my money back to me. They closed my dispute XXXX times & won't reopen it.
Product: Mortgage

Contacted company when I lost my Job XX/XX/2019. We had just got the house in XX/XX/2019. 
I told them I lost my job, wife needs 2 XXXX XXXX, I need to help her and take the 6 month deferment they offer on their Loss Mitigation. 

They seemed to say they cared and wou ; ld be there if we everr needed them. 

one letter back saying needed more pay stubs ( 2 years ). 
I gave them all the stubs I had back 1 year. Can not access pay stubs anymore. 
I offered to send W2 which I thought they had already. 

I feel they are just stalling and letting me make payments. 
I am paying them out of my saving sof {$7.00}, k. but that is for my wife 's XXXX, which I also told them. 
I feel railroaded into even buying this house. 
We had a 60 day notice and a XXXX XXXX. Could not find a rental so we bought this house. {$2000.00} payments are killing me! 

XXXX XXXX XXXX XXXX XXXX is my user name on XXXX 's site. 

please help
Product: Credit reporting or other personal consumer reports

CFPB COMPLAINT : XXXX This is to formally notify you that 30 days after you receive my initial complaint on XX/XX/2023, you are required to respond, not 60 days. 

According to the Fair Credit Reporting Act, you must respond within 30 days of receiving my dispute letter ; otherwise you will be in violation of the law and may be investigated by the Federal Trade Commission.

I understand you may have overlooked this among other disputes. However, I trust you will respond promptly to resolve this issue. 

This is the initial complaint filed with CFPB COMPLAINT : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother opened several cable subscriptions in my name when I was a minor. As a result, I saw that my credit score was active and low when I turned XXXX XXXX XXXX. These cable subscription providers have already put these accounts I did not consent to into collections, which is affecting my credit score. I would like these accounts to be removed, and I would appreciate it if the credit reporting agencies could mitigate my credit score.
Product: Checking or savings account

I made a cash deposit on XX/XX/XXXX of {$6800.00} at BOA atm machine inside the bank per representative recommendation since the line was long. In the middle of the transaction the atm machine crashed and stated out of order. No receipt was giving from the atm machine with the transaction. Informed the bank representative while the machine was out of service and she said to call and file a complaint. A provisional credit was giving on XX/XX/XXXX after claim was made on XX/XX/XXXX. Received a letter from the bank today XX/XX/XXXX denying claim stating no record of cash deposit at the atm. The transaction was done inside the bank and theres camera capturing the transaction, the phone call and I was waiting of 20 mins at that atm was out of service. Now Bank going to reverse the credit that will leave my bank account {$6800.00} short again. If they review the video they would see the transaction so why is the claim denied? Whats the next step I need to do without getting a lawyer involved? Or do I need to get a lawyer involve?
Product: Credit reporting or other personal consumer reports

Requested account deleted/ updated correctly as court case dismissed ( documents included ) experian did not update, instead left it on credit profile.
Product: Money transfer, virtual currency, or money service

I used td bank to transfer a bank transfer to XXXX XXXX on XX/XX/2019. The amount was {$1000.00}. Due to an account problem during the transfer process that needed to be verified, the transfer was suspended by the bank. I immediately called to cancel it. The online service staff clearly told me that there would be no automatic transfer, but when I checked my bank records on XX/XX/XXXX, the transfer was transferred out of my bank account without my authorization and notification. I am very disappointed about this. Due to the irresponsible operation of the bank staff, I contacted the bank many times to solve the problem and got the money back. There was no response until now I found the cfpb department to complain about this matter. I hope td bank can be responsible. Solve this problem and return the money to me at the same time.After all, the irresponsible behavior of td bank has affected me and all customers who support and continue to use their banking experience. thank you
Product: Money transfer, virtual currency, or money service

Access to my account was changed during an app update. I reached out to XXXX. it was very poor support. It took months to get a reply. I was asked to contact XXXX, I am still waiting for a response on my concerns. I was advised ftx has no record of my account. I have a confirmation email, support emails and bank records that support I do I have an account. I had just over XXXX XXXX XXXX coins which I also have screen shots of. 

Any assistance would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Missing Information on Credit Report Paid Auto Loan with XXXX XXXX XXXX Dear Credit Bureau Representatives, I am writing to formally dispute the missing information on my credit reports from your respective bureaus regarding my auto loan account with XXXX XXXX XXXX ( Account Number : XXXX ). 

As of XX/XX/2021, my loan with XXXX XXXX XXXX has been fully paid, and I have received an official letter from XXXX XXXX XXXX confirming that the account is paid in full. However, this loan is not reflected on any of my credit reports from XXXX, XXXX, or Experian, which is a significant omission. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I am requesting an investigation and correction of this omission. Accurate and complete reporting is required by law, and this account should be reflected on my credit report with a status of " Paid in Full. '' Enclosed, you will find a copy of the letter from XXXX XXXX XXXX confirming that this account has been fully satisfied. I request that you promptly update my credit report to include this account and its accurate status and notify me once the update has been made. Additionally, I ask that you share this corrected information with the other credit bureaus as mandated by the FCRA. 

Please send me confirmation once this dispute has been resolved, and an updated copy of my credit report showing the corrected information. 

Thank you for your prompt attention to this matter. Should you need further information or documentation, please feel free to contact me. 

Sincerely, XXXX XXXX
Product: Mortgage

Opened mortgage with Specialized Mortgage in XX/XX/XXXX. Payments always on time and refinanced and paid off in XX/XX/XXXX. Specialized sent the release in with the incorrect year of the loan. They sent it as XXXX instead of XXXX. We are closing on our home and the lien is still in the deed because they submitted the incorrect year. We have been calling them several times a day for over 10 days and cant get past the call center to get this typo resolved. Our present closing attorney and the closing attorney at the time of refinance have been also trying to get this resolved. I have even emailed their president, XXXX XXXX, and can not get them to fix their error. They are holding up the closings on the house were selling and the house were purchasing.
Product: Credit reporting or other personal consumer reports

Dear Transunion I am writing to formally dispute the accuracy of the following accounts that are currently listed on my credit report. The following accounts are not mine, were not authorized by me, and therefore should be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the FCRA, you are required to investigate and verify the accuracy of any disputed information within XXXX  days. If these accounts can not be verified as accurate and authorized by me, they must be deleted from my credit report immediately. 

I request that you conduct a thorough investigation and provide me with the results in writing. Additionally, please provide any supporting documentation that validates the accuracy and ownership of these accounts. If you are unable to verify the disputed accounts, I expect their prompt removal to ensure compliance with federal law. 

Please consider this letter as my formal dispute, and I request that any correspondence regarding this matter be directed to me in writing at the address listed above. 

Thank you for your prompt attention to this matter. I expect a resolution within the timeframe prescribed by the FCRA. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

In XXXX of XXXX I have volunteered surrender the car I called and also sent a message to volunteer surrender the car this company havent reach out or came get the car I have tried to get in contact nothing its been months since I heard from this company about anything
Product: Debt collection

I disputed this alleged repo with Santander and sent my dispute through the USPS Postal service certified mail on " XX/XX/2020 '' and received no response this is a violation under the " Fair Debt Collection Practices Act '' Although they ( Santander ) did indeed sign for my dispute letter.
Product: Credit reporting or other personal consumer reports

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

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

inquiries that was not authorize or recognized complain I contacted Transunion XXXX about the following to be removed from my credit report immediately XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX XXXX ) I made complaints to transunion and XXXX about not recognizing these inquiries and might be identity theft and or fraud
Product: Credit card

In XXXX I had a credit of over {$64.00} due to overpayment - I called bmo and they said theyd issue me a check. No check was sent - I called 3 weeks later and they said theyd send me an affidelavit to sign that I didnt get the check - 3 weeks later no affidavit. Its now XX/XX/XXXX no check and no afffidavit - I called their customer service and they said theyd send me another affidavit. But they never mail it.
Product: Debt collection

Hi, I submitted a complaint on XXXX XXXX, 2016. The case number is : XXXX. Today I received another call from the same person, XXXX XXXX, stating he worked with XXXX XXXX XXXX ( which does n't exist as a debt collection company ). He again threatened my husband to show up at my house and his place of employment with the sheriff. He again stated that he had summons to serve and if he did n't receive a stand down order my husband would face penalties. Once again, he did n't acknowledge that he was a debt collector. He did not leave the name of the company he supposedly represents. The company name is XXXX XXXX XXXX Services. I 've already asked them to stop calling my number. They still keep calling. The last time they threatened to show up, they never came. We 've never received anything in the mail from them and we do n't even know what they are trying to collect for. I just want it to stop.