23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2020 I inquired with AmeriSave loan officer XXXX XXXX Loan Originator NMLS ID # XXXX about rates for a refinance of my home. After discovering that the rate we discussed would not be locked in, I was told to fill out an online application online with XXXX on the phone. After the first page, I was told the system would not go any further unless I paid {$500.00} with a credit card for an application fee. I said I was very uncomfortable because they would not lock in the rate. XXXX said I would get my application fee returned if I decided against it or the rates changed. I paid the {$500.00}. Feeling extremely uncomfortable and pressured, later that day on XX/XX/XXXX ( the same day ), I sent an email to XXXX XXXX and AmeriSave Customer Service to cancel the loan application # XXXX. I sent another email XX/XX/XXXX inquiring about the return of the {$500.00} fee. XXXX said his boss processed the fee earlier that week. I again inquired about the return of the {$500.00} fee on XXXX warning them that I would submit this complaint. XXXX again assured me the {$500.00} would be returned. It is XX/XX/2020 since cancelling on XX/XX/2020 and I have not received any returned funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not consent to or benefit from the following information XXXX, Equifax, and XXXX listed on my consumer credit report, block and remove the following Account : DEPTEDXXXX Account # XXXX, Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed excluded from from a consumer credit report, if a social security card was used in the transaction. Additionally under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section you're not supposed to include factual information and they're supposed to interview my neighbors, friends, or associates. If the accounts not removed you're civilly liable for reporting the information and it's also inaccurate.
Product: Credit reporting or other personal consumer reports

I'm reaching out today to file a complaint regarding an incident of identity theft that I've experienced. After conducting some research on how to address the fraudulent inquiries on my credit report, I discovered that I need to visit https : //www.ftc.gov to file an identity theft report. According to FCRA section 605b, Credit Reporting Agencies are mandated to remove and block any inquiries that are listed on an identity theft report. I have also attached the necessary documents to aid in the removal or blocking of this inaccurate information that is currently appearing on my credit report. Below, you'll find a list of inquiries that are not associated with me or were opened without my consent : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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: Credit card

I am writing to inform you that my Social Security number has been compromised, and I am a victim of Identity Theft. 

Please see attched
Product: Debt collection

Im not sure what's going on, Capital One continues to contact me about an alleged debt and even communicating with credit reporting agencies my private information.
Product: Credit reporting or other personal consumer reports

Despite my prior multiple attempts to address this issue, the incorrect opening dates remain unresolved. The incorrect opening dates listed for my accounts have caused significant inconvenience and potentially impacted my financial standing. It is imperative that these discrepancies are corrected immediately. To support my claim, I have attached all relevant documentation once again, including proof of the correct opening dates and any other supporting materials. 

Given the seriousness of this matter, I urgently request that your team take the following actions : Immediately correct the opening dates on my accounts to reflect the accurate dates. 
Provide a detailed explanation of the steps taken to resolve this issue and prevent similar occurrences in the future. 
Confirm in writing that the corrections have been made to my accounts. 
I understand that resolving such matters can be complex, but the prolonged delay in addressing these inaccuracies is unacceptable. Please provide regular updates on the progress of this issue until it is fully resolved. With this, I am asking for your assistance to correct the accounts : XXXX XXXX Balance : {$170000.00} ; XXXX XXXXXXXX Balance : {$35000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$540.00}.
Product: Debt collection

I am sick and tired of this fraudulent collection of debt and this gangster collection from a corrupted company. Could you please help me seek relief from Tsi/XXXX and their illegal collection tactics? I have begged for a debt validation several times to no avail. It is unlawful and fraudulent. I am forced to file this complaint to protect myself and others from this criminal enterprise. I am seeking protection. I live at XXXX XXXX XXXX, XXXX, Georgia, for the last fifteen years, and I do have gas service.
Product: Debt collection

Equiant financial services. Account ending XXXX. Time share date opened on Credit report. XX/XX/XXXX between. The account was charged off at {$2500.00}. Account right off at XXXX past due as of XX/XX/XXXX original balance was XXXX for 36 months that says on my record its on my credit report to XX/XX/XXXX updated XX/XX/XXXX. I did NOT sign any time share. Nor did my husband. We went on a seminar. Stayed there three hours. After a seminar was Complete and we said no. We signed for XXXX tickets. They said we had to sign to get our XXXX tickets. Now Im getting reported from this place that I never even signed for. Equiant financial services. With no proper documents from either place. With a timeshare. Dont you get a deed to the timeshare. I dont even have a deed nor did I ever have a deed. I dont even know where to go. So why am I being responsible for this kind of price. With this company that wont take it off my credit report. Or off my husbands credit report. Ive never had proper documentation saying that I had a timeshare. Please help me fight us. For me and my husband. This is theft of services. False advertising. They are hurting us. I did the Time share Seminar at XXXX XXXX XXXX XXXX. Please help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB Dispute Department Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute for Negligent Non-Compliance Under 15 U.S. Code 1681o Dear CFPB Dispute Department, I am writing to formally dispute the negligent non-compliance of [ name of financial institution, credit bureau , or company ] under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681o. The entity in question has failed to comply with its legal obligations, causing harm to me as a consumer.

Details of Non-Compliance : inaccurate credit reporting, failure to investigate a dispute, refusal to correct errors, unauthorized inquiries, etc. ] I have sent several disputes regarding this matter. 

Violation of My Rights : Under 15 U.S. Code 1681o, any entity that negligently fails to comply with the FCRA is liable for actual damages incurred, as well as potential legal fees and court costs. Due to this non-compliance, I have suffered the following damages : I have experienced financial loss, negative credit impact, loan denials, emotional distress, and the list goes on. 

Requested Resolution : To rectify this matter, I formally request that : XXXX removal of inaccurate information, a formal response, or a full investigation into the dispute. 
2. A written confirmation of the corrective action taken.

3. Compensation for damages incurred, as permitted under 15 U.S. Code 1681o.

If this issue is not resolved within [ reasonable timeframe, e.g., 15 or 30 days ], I will escalate my complaint further, including legal action if necessary.

Please consider this letter a formal request for compliance and resolution. I expect a timely response. You may contact me at the information provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests in TransUnion Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XXXX XX/XX/2023.
Product: Checking or savings account

Marcus by XXXX had savings account promotion. {$10000.00} new deposit for 90 days with {$100.00} interest bonus. 
I deposited funds XX/XX/2023. The balance of savings Never was below {$10000.00}. 

XXXX XXXX. {$100.00} interest bonus NOT paid. 
Call center, after 40 minutes, said system would NOT pay. Said customer service would call.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information in my credit report, as provided under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The information pertains to the account with XXXX XXXX and includes several inaccuracies that need correction. 

The account information in dispute is as follows : **Account Information : ** - **Account Number : ** XXXX - **High Balance : ** {$25000.00} - **Last Verified : ** XX/XX/XXXX - **Date of Last Activity : ** XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) - **Date Reported : XXXX XX/XX/XXXX ( TransUnion and XXXX ), XX/XX/XXXX ( XXXX ) - **Date Opened : ** XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX ) - **Balance Owed : ** {$21000.00} - **Closed Date : ** XX/XX/XXXX ( TransUnion ), not provided by XXXX and XXXX - XXXXAccount Rating : ** Derogatory - **Account Description : ** Joint - **Dispute Status : ** Account not disputed - **Creditor Type : ** Credit Unions - **Account Status : ** Closed - **Payment Status : ** Collection/Chargeoff - **Creditor Remarks : ** Charged off as bad debt ( TransUnion ), Unpaid balance reported as a loss by the credit grantor ( XXXX ), Charged off account ( XXXX ) - **Payment Amount : ** {$0.00} - **Last Payment : ** XX/XX/XXXX ( TransUnion and XXXX XXXX, XX/XX/XXXX ( XXXX ) - **Term Length : ** 60 Month ( s ) - **Past Due Amount : ** {$21000.00} - **Account Type : ** Unsecured loan - **Payment Frequency : ** Monthly ( TransUnion ) - **Credit Limit : ** {$0.00} - **Two-Year Payment History : ** Inconsistent reporting across the bureaus This information is inaccurate for the following reasons : 1. **Date of Last Activity : ** Conflicting dates across TransUnion XXXX XXXX, and XXXX XXXX 
XXXX. **Date Reported : ** Different reporting dates across the credit bureaus. 
XXXX. **Date Opened : ** Discrepancies between TransUnion and the other bureaus. 
XXXX. **High Balance and Balance Owed : ** Discrepancy in high balance reported by XXXX XXXX 
XXXX. **Creditor Remarks : ** Differing comments about charge-off status and loss reporting. 
XXXX. **Last Payment Date : ** Different last payment dates between the credit bureaus. 

Attached are copies of my credit reports from TransUnion, XXXX, and XXXX, highlighting the discrepancies in the information reported by each bureau. Additionally, I have included any supporting documentation that can help verify the inaccuracies mentioned above. 

I request that you investigate these matters and remove or correct the inaccurate information from my credit report. According to the Fair Credit Reporting Act, you are required to verify the disputed items within 30 days. I appreciate your prompt attention to this matter.
Product: Debt collection

I received a letter about a collection that I have no idea what it is about. They said the orginial Creditor it XXXX XXXX and XXXX. I have never had any type of debt with this entity. This is not a vailid debt and I already disputed this issue and last entity could not verify this account on XX/XX/2020. I have no knowledge of this collection and this must stop.
Product: Checking or savings account

TCF Bank, is unjustly withholding, for me, legally and legitimately deposited funds totaling {$35000.00} : - officially, advised in the form of a letter, {$19000.00} - unofficially/verbally, {$15000.00} On XX/XX/2020, I received 2 ACH deposits in the amounts of {$4200.00} and {$15000.00}. These funds come to my TCF personal account, as they have for almost 2 years, from my XXXX ( credit card merchant ) account. 

I went into the branch to wire the available funds to my investment brokerage account. After an hour of them fumbling around, they got everything processed. 2 hours later I get a phone call from the branch saying the wire department did not complete the wire, because the available funds were made unavailable due to a hold. 

When I began to probe about the " hold '', I was told that the incoming ACH indicated the name of XXXX XXXX XXXX XXXX XXXX XXXX '' and because the name on my account is " XXXX XXXX '', this deposit was deemed questionable because of a " name mismatch ''. Conceptually, I understand this. But logically, I do not, as this has been going on for years. 

When I asked what's next, they said they needed to contact XXXX 's internal department and " verify the deposit ''. When I asked what does that mean, I never really received a straight answer. But what I gathered is that they wanted to make sure that this deposit wasn't fraudulent, nor a mistake, and that the deposit was intended for THIS account. Again, conceptually, I understand, but logically I do not because all they had to do was look at the last 6 months of records. 

In the meantime, I contact XXXX  and updated the name to reflect " XXXX XXXX '' from " XXXX XXXX XXXX XXXX XXXX '' XXXX  is a online e-commerce based merchant. Everything they do is by email basically. TCF is asking for a callback or a letter and XXXX is telling me, " No, we don't do that. Provide them this 'Whitelist Code ' and they should be fine. '' TCF has threatened to hold $ XXXX of my money for up to 12 months. That's asinine, not to mention impractical. I can't make XXXX   call TCF and I cant force TCF to take the documentation and proof that XXXX  has given me. So I'm stuck in the middle of 2 stubborn institutions while my revenue is hanging in the balance and I'm missing income opportunities as well as the fact that I have 2 real estate deals that I'm closing on XX/XX/XXXX that will be delayed or possibly even lost if I don't have these funds I needed to wire.
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX XXXX XXXX XXXX I provided the original contract showing that the information on my credit report was incorrect and did not match the original contract. 

Experian keeps denying the original contract which is against the law of FCRA. To willfully allow incorrect information on a consumer report is a direct violation. 

I have provided proof by another Credit Bureau, XXXX that got the same dispute as Experian and XXXX deleted the account because it did not match THE ORIGINAL CONTRACT, I signed with XXXX.
Product: Mortgage

XXXX XXXX paid from escrow for county tax XXXX, XXXX   : I received a notice from county that my taxes have not been paid XXXX, XXXX   : I contacted my mortgage company who said " not to worry, it would be taken care of '' I asked for something in writing, but they said that could not do that. 
XX/XX/XXXX  : XXXX paid from escrow for county tax XX/XX/XXXX  : XXXX paid from escrow for county tax XX/XX/XXXX  : XXXX paid form escrow for county tax ( AGAIN ) XXXX  XXXX  XXXX  paid from escrow for county tax XX/XX/XXXX  : XXXX paid from escrow for county tax ( AGAIN ) Through these months, regularly contacted to company, who assured me that it would be straightened out, even though they kept sending me notices of a shortage and that my mortgage payment would be going up. They are STILL sending me notices. The county tells me that they sent a check on XX/XX/XXXX  forXXXX ( check # XXXX ) to the mortgage company, actually their agent XXXX XXXX. I do not owe them any extra money.
Product: Mortgage

We closed on our home on XX/XX/2018. The SunTrust mortgage was paid off from the proceeds of sale. I have called the bank several times as the lien has not been released. This is affecting my ability to get another loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have abput 5 withdrawls from my Debit card that someone took out money in another state. 
the amounts where {$200.00} {$200.00} {$500.00} {$300.00} {$200.00} They where takin and bank wont give me money back. even though it clear shows we made a purchase here in XXXX Il on the sameday as the money was taken out in Florida
Product: Credit reporting or other personal consumer reports

XXXX is still showing that I have loans with them, and I do not. 

My loans were transferred to another servicer, aidvantage, and consolidated. The loans were paid off through the consolidation. They show {$0.00} on aidvantage and the department of Ed sites.

I have no loans with XXXX. In fact, I cant even login into XXXX because I literally dont have an account with them.

I have disputed the reporting 3 times. The second time they changed the report to show about half the loans as closed and {$0.00} balance.

I think they are trying to keep the door open for collections on forgiven loans, and I refuse to be enslaved by a private corporation. 

XXXX and the reporting agencies must change my report to accurately reflect that these loans have been paid off because according to the Department of Ed, I owe {$0.00}. 
As such, XXXX and the credit reporting agencies are in violation of the Fair Credit Reporting Act.
Product: Debt collection

Target chose to ignore that on XX/XX/XXXX I paid the balance in full of {$98.00} in their XXXX, MD store on account # XXXX. Most of this bill was for their late fee on a previous minor bill. It did not seem to matter when I sent the payment in, it always cleared after their late fee was applied. So I elected to pay in person and stop payment on the check that was still in transit on XX/XX/XXXX. I requested that the Target account be closed since it was now a XXXX  balance. 

I was shocked when I got a bill in XXXX claiming I bounced a check on a XXXX balance account and that they needed {$28.00}. I have written every collector they have hired in the last 2 year as they continued to add late fees and interest to a {$28.00} " Return Payment Fee '' which was a Stop Payment actually. They did not need to get paid twice and I could ill afford that after paying the bill in full in person! I recently found out that they have attempted to ruin my FICO by posting a {$300.00} debt on my credit report. So on XX/XX/XXXX I sent another letter after talking to their representative XXXX. My most recent effort to resolve this directly was XX/XX/XXXX. I faxed a letter with my receipt from XX/XX/XXXX to XXXX as requested by their representative. I have been sending letters since XX/XX/XXXX to them. 

I'd appreciate you acknowledging that Target is a predator in the marketplace and refuses to right a wrong that is as clear as the receipt I've kept so long the ink has started to disintegrate. Their representative helped me recreate the numbers to prove my point. I have had my FICO impaired and had 2 refinance loans slip away due in part to their predatory business practices. 

In my XX/XX/XXXX letter I offered to settle the matter but they sent me to another collection agency and started the statements and interest again adding to the {$300.00} debt. Collection agency XXXX XXXX, XXXX now wants {$300.00} as of its letter dated XXXX. 

Seeking relief from this injustice as a XXXX balance account becomes large enough to place judgement against my home in my twilight years.
Product: Debt collection

I was contacted by a company phone number XXXX with a return call number of XXXX they left a voicemail stating its a legal matter and will be going to my last known address and place of employment. I called the number back and got a voicemail that didnt seem legitimate. I left my name and phone number and got a call back from a man saying he represented ace cash express and that I owed {$420.00} from a loan in 2019. He had my bank information the last four of my social and my birthday. He said ace was going to sue me for {$1200.00}. I told him I did not have a loan with them and any loans I previously had, had already been paid. He told me he would contact ace and see how they wanted to proceed. I called ace cash express customer service collection line who informed me that I did not owe anything at all and that this was a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

FILE SUIT AGAINST AVANTCREDIT SOLD DEBT TO XXXX XXXX XXXX SETTLEMED OUTSIDE OF COURT FEARING A CLASS ACTION LITIGATION. TRADELINE AVANTCREDIT LOAN XXXX, LAST PAYMENT MADE WAS XX/XX/2013. XXXX RE-INSERTED THIS TRADELINE 5 TIMES OVER THE PAST 7 YEARS.SEE ATTACHMENTS.
Product: Student loan

I had auto pay until slimy Navient took over. They dropped it though I have been always able to pay my loan with ease. They said on the phone it would be brought back. When I do not pay manually on their web site, they have harassed my XXXX year old mother, -called her today on XXXX too. They are rude to her and do n't have the guts to call me. They do not set up auto pay and call people every day to harass them to pay or just pretend to call. A live operator should have to call, no robo calls and ID themselves right away. 
They have also monkeyed with my loan to gain more $ and sham late fees. Do n't let them get away with it. Thank you.