23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for XXXX XXXX XXXX XXXX XXXX XXXX.I was approved with the credit limit of XXXX $ .After several days I received email from Popular Credit Service Fraud Risk Control Department XXXX XXXX XXXX to call him.From that day I was trying to call that person and he never responded.He ignored me, my calls and my emails.Anyway I spoke to other reps, and they told me that they need from me the copy of my driver license and some utility bill to verify my address.I emailed everything the same day, which was aXX/XX/XXXX.After that I`ve tried to call several times.Everytime I was getting terrible customer service, no one was telling me anything, like I`m someone who`s doing something illegal.I don`t know if it was because of my accent or my last name, but I really felt discriminated.Anyway they told me that their investigation takes 3 weeks and it will end XX/XX/XXXX, and instruct me to call XX/XX/XXXX.I called XX/XX/XXXX and they again didn`t tell me anything.They told me I will receive a letter.In the mean time I received a bill from that credit card, and my due date was very close.Since I didn`t receive anything from them, and my account was locked, I called them again, and one representative told me that my account is closed.I was very frustrated, from the way every person talked to me. 
I don`t know in reality what`s going on, but everything is 100 legit and legal.I`m the owner of this card.I`ve send them everything what they asked.I was approved for XXXX $ because I have excellent credit history over 800 fico, great income and there is no reason to treat me like this and eventually close my account.I felt very disrespected and discriminated, by the way everyone talked to me and treated me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason I am requesting an investigation by your agency is due to TransUnion customer service department would not help and take care of the negative inquiries reporting to my credit report.

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6.XXXX XXXX XXXX 7 . XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2023 through XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Kraken account to a fraudulent investment firm..
Product: Checking or savings account

My account was charged {$3500.00} one XX/XX/2022, it is charged from my XXXX to a person named XXXX XXXX. I reported it fraud. But they didnt refund me and refused to refund me. They closed my old account but never refunded my money back.
Product: Credit reporting or other personal consumer reports

Trans union refuse to remove inaccurate information from credit report XXXX XXXX balance XXXX First pXXXX XXXXXXXX Both accounts are closed and charged off companies are still reporting inaccurate information to credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX XXXX XXXX {$830.00}. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately
Product: Mortgage

In XXXX of XXXX I refinanced my home to pull out equity to pay off debt. Specifically I had a Hero account for solar electric installation. The Hero account applies the financing of the solar through my taxes. My mortgage has an impound account to pay my taxes and insurance. The refinance was with Loan Depot account number XXXX. Loan Depot has continued to charge my account for the Hero fees ( solar finance ) even though they have received notice of the new bill and they estimated the new tax payments during the escrow phase of the refinance. I have attempted since XX/XX/XXXX to get my impound account charge dropped to the correct amount but have had no success. I have continued to pay for my solar for 8 months even though it was paid off through escrow during the refinance. Loan Depot continually tells me it is under review and it will adjust in the coming statement. I am now being told it will not happen till XX/XX/XXXX. I have no faith that they will actually do this. How can this happen when there is so much review and planning during escrow. 
They also say once the adjustment is made they will return my over payment but without interest. My previous mortgage paid interest on my impound account.
Product: Debt collection

LVNV reported negative information on my credit report which they are going through other third parties Resurgent and XXXX which is a violation with the FDCPA privacy violation. Why is my personal information being shared? Asked them to remove and they havent. Also asked them to provide bill of sale, 1099C from original creditor and proof of contract I signed with them. They havent provided this. I should be compensated for these violations and the XXXX  they are causing.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

12.6K 15 USC 1666B : A creditor may not treat a payment on a credit card XXXX  account under an open end consumer credit plan as late for XXXX  and purpose.
Product: Credit card or prepaid card

I Don't Understand Why This Account Is Listed As Derogatory. I Have Always Paid As Argeed.
Product: Debt collection

XXXX, XXXX XXXX  SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX AM, I was contacted by someone who wanted to make a business deal regarding using some of my XXXX XXXX for their art pieces on XXXX. The artist said that his client was wanting to pay {$2500.00} for this particular XXXX, and that it would be an 80/20 cut in his favor ( artist would receive {$2000.00} and I would receive {$500.00} ). He told me the client would send the check of {$2500.00} directly to me, and that I would send him his cut over Zelle to prove transparency. On XX/XX/XXXX, I was sent the check of {$2500.00}, and it went through on XX/XX/XXXX. By XX/XX/XXXX, the funds were fully processed and in my account. I sent the artist {$100.00} over XXXX XXXX ( which was refunded ), and then {$1000.00} and {$900.00} over Zelle on XX/XX/XXXX. As of Monday XX/XX/XXXX, I realize the check of {$2500.00} had been taken back, so therefore, I have been scammed out of {$2000.00}.
Product: Credit reporting or other personal consumer reports

Someone used my information XX/XX/2023 to apply for a XXXX credit card in my name. I did not give anyone permission to apply for any credit. I did not give anyone permission to use me as a cosigner. My credit score was so low ( XXXX ). I knew I would have never been able to get a credit card. Let alone a XXXXXXXX XXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

here is a second copy of my ss and ID as per Experian request
Product: Credit reporting, credit repair services, or other personal consumer reports

Errors on my report with following : 1 ) XXXX XXXX  2 ) XXXX XXXX / XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX {$170.00} 4 ) XXXX XXXX XXXX XXXX XXXX {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXXXXXX, 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 a account without my written instructions.

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

Complaint : billing and payment regarding property at XXXX XXXX XXXX loan number ending XXXX. 

On XXXX I received an answer to my complaint where it was noted by XXXX XXXX that an amount of {$3500.00} was due.I attempted to make payment for XXXX and XXXX regarding this loan however the website wont allow payment. Ive reached out to my XXXX  for over two weeks before a response was made. In addition the portal to make payments, stated there is a payment stop on my account. 

XXXX, and XXXX payments were made to XXXX  per our modification agreement ( see attachment ) I had no problems until Shellpoint took over in XXXX I am more than willing to proceed with the payment for XXXX and XXXX total XXXX and proceed with such going forward, however, Shellpoint sent over new modified documents to my residence assuming I would sign a new agreement but I am not obligated to sign new terms, because under the fair debt collectors practice act I want my agreement with XXXX  servicing to stand. I have no interest in paying other fees and inflated monetary request. Shellpoint assumed a loan that was already with terms and that should be honored. I await a response regarding this matter preferable by email. Im respectfully asking for guidance to pay my monthly debt so I can move forward and you can too. Im only writing this complaint because it appears responding to customers is not a priority but you respond to complaints so here are. 

In addition, please validate that my modification was not completed by XXXX servicing, my documents states it was approved and payments were being accepted since XXXX. 
I am requesting proof that it wasnt completed with the private lien holder. 

Lastly, please see all proof of payment attachments, including response letter from XXXX XXXX acknowledging the modification with XXXX  servicing.
Product: Consumer Loan

I am financing a vehicle through Exeter Finance Corp., the loan started XXXX @ XXXX a month for 6 years i financed XXXX for a XX/XX/XXXX XXXX XXXX, i noticed the balance was not going down after XXXX XXXX yrs of payments so when i started to inquire on why that is, in a course of approx 2 months i was told because i pay late they are charging a daily interest rate which is why the principal is not being applied, there is a late fee of 5 % interest on the contract and that is all.
Product: Mortgage

my loan was transferred on XX/XX/2019 from XXXX  XXXX XXXX to specialized loan servicing llc ( SLS ). SLS has not sent a statement since the transfer. i have called several times asking for a mailed copy of the statement and they have not sent it. i have called several times and complained. the third time i called they emailed me a statement which was incorrect.since then i have called several times asking for them to email me a statement and they say they will send it to me and they do not send it. 

i mailed in a payment but since i do not receive a statement i do not know if they processed the payment to my account. i need help because i believe that this might be a scam. i looked at online reviews and others are having the same issues. 
this is the review site : XXXX XXXX XXXX all i want to do is receive a statement, pay my loan and be assured that it is credited to my account and not ruin my credit. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Auto Trakk auto leasing company is still consistently reporting a NON COLLECTABLE debt on my credit report. They have called me leaving me messages to call them to settle this debt. I have voluntarily surrendered the vehicle in good condition. Please remove this from my credit report immediately
Product: Payday loan, title loan, or personal loan

Requesting any refunds do on my loan, per the Stipulated Order for Permanent Injunction and Judgment Re : Case 3:18-cv-02454-JSC ( FEDERAL TRADE COMMISSION v. LENDINGCLUB CORPORATION , 2021 )
Product: Checking or savings account

I notified my local B of A that I had unauthorized transactions on my account {$8900.00}. 
It started XX/XX/2020 thru XX/XX/2020, there are about XXXX games, and XXXX charges. 
They asked if I was notified, and I said no I wasn't. They told ne to call the number on back of my card. I called them on XX/XX/XXXX and explained what happened. I got a letter on XX/XX/2020 saying they put {$3000.00} in credits on my new card. They said it would take up to 90 days to research my complaint. I received another letter on XX/XX/2020 that said they investigated and the {$3000.00} was permanent. So I called them on XX/XX/2020 to ask why I wasn't getting the rest of my money. I also told them I found out 2 weeks after I reported it, that my XXXX year old grandson and his friend were the ones who did this. 
I reminded them that they have a " Zero Liability for unauthorized charges ''. The person who took my call didn't have authority to do anything. So I called back and ask for a supervisor, They said to file a new claim for the rest, so I did, however she said that if I were to repeat a charge that had been credited, it would void the amount left. So I called back and ask for a supervisor again and explained that there were hundreds of the same game, I was bound to repeat. Then I was disconnected every 20 minutes, until the 3rd time when I was told they couldn't take my call. I have filed a complaint with Rep. XXXX XXXX 's office and ask for help. They said it would be a good idea to file a complaint with your office also. Thank you for your time. 
Sincerly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ca. XXXX
Product: Mortgage

have been trying to resolve an issue with insurance claim funds, due to me, with this company for 7 months via phone calls and written correspondence since XX/XX/XXXX, without even the courtesy of a reply. Please see details in the letter below. 

XX/XX/XXXX Attn : Managers in both Bankruptcy and Loss Drafts Dept.

Re : Loan ending XXXX Claim : XXXX and XXXX The Money Source XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX To Whom It May Concern : I am hoping someone there can help me as I have already spent over 5 hours on the phone with both the bankruptcy and loss drafts dept, several times, and neither says they can help me. Then every time they try to conference in the other department to try to work this out together, they hang up on me and dont call back, so I am beyond frustrated and feeling taken advantage of as we are going on 3 months  without any resolution or headway being made. 

Between XX/XX/XXXX and XX/XX/XXXX I missed 3 mortgage payments as I just assumed my unused funds from the two claims above would be used to cover those costs as they were with prior claims after the work  was completed. However, in XXXX I was notified that you had not approved that this time and I was going to have to go to court on XX/XX/XXXX if my loan was not brought current through XXXX. So, on XX/XX/XXXX, I borrowed those funds from my retirement account to avoid going to court. I paid the full {$7000.00}, listed on your motion, out of my pocket to be current through XX/XX/XXXX and then have made all subsequent payments on time. 
But then in May, bankruptcy finally approved using the insurance funds to get my account current. The problem is though, that my account was already current so, the insurance funds should have been sent back to  me. There should have been {$2200.00} remaining on claim XXXX and {$5000.00} remaining from claim XXXX for a total of {$7200.00} coming back to me. This has not happened, nor have I received 3.4 months of credit towards future payments ( XXXX owed to me / XXXX per month mortgage ). I either need to be refunded those insurance funds ( my preference ) or, at least be able to recoup the extra money I laid out, by getting the full credit for XXXX, XXXX XXXX and part of XXXX XXXX mortgage payments as everything else is current through XX/XX/XXXX. My request would be to get the refund back via check to be able to put back into my retirement account. 
Since we are now on the third month of trying resolve this issue, I am hoping you can provide me an answer in writing ( Mail or Email ) no later than XX/XX/XXXX. Thank you in advance for your attention and cooperation in this matter.
Product: Debt collection

Back in XXXX I was contacted via text ( that did not identify me by name ) by ARC Management Group claiming that I needed to get in touch with them about a debt owed at a hospital I'd never been to. I contacted the local hospital 's parent company, and they had nothing on file for me and suggested this might be a scam. I submitted a CFPB complaint, but ARC Management responded that they used this complaint to update the address and email they had for " me '' in their files and would be sending future correspondence about this debt to me. They also said this was in regards to a specific patient, and they gave me his name. Doing a search for him online revealed he has been deceased for a couple of years, but his husband 's name is the same name as my father ( who has never lived in this town and has been married for over 40 years to my mother ). Sure enough, I started getting letters and emails from ARC addressed to this husband but with my email and home address on it. They even sent me detailed patient information about the deceased showing me which procedures he'd had done (! ) and what was owed and from when, despite me having no connection to either the deceased or his husband. Just today I got another large manila envelope addressed to the husband. I am worried their debt collection tactics will escalate and may affect me or my credit all because they failed to identify the correct person to pursue and used a legitimate CFPB complaint to double down on the wrong person.
Product: Mortgage

Due to some financial hardship, I was behind on my HELOC. I contacted Truist on XX/XX/XXXX. I spoke to a XXXX. XXXX told me that I could get an 3-month extension, remove any credit late payments and I could still use the HELOC, if I made a payment on XXXX. I did this and called back to complete the process. I was told then that this was not the case. I had to call 5 additional times to get someone to tell me that XXXX misled me. On the call, I asked XXXX 3 times if the terms we agreed to were accurate and he agreed. After multiple additional calls, I spoke to XXXX XXXX who told me the only thing he could do is do a deferment. This was supposed to remove the lates, but as of XXXX, this has not happened. Truist has misled me and has done nothing to correct the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are four accounts on my credit report that were opened on my behalf without my permission ; I was made aware of them today XX/XX/2020 because I applied to rent an apartment and I did not qualify due to these accounts reflecting badly on my credit report. The accounts are from the following companies. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any written/verbal contract with any of these companies nor am I affiliated to them in any way. I did not give these companies permission to access my credit information nor did I gain anything from the accounts that were opened with those companies such as money, goods, services etc. and I never made payments towards these accounts. I have filed a police report and a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Speedy cash issue was resolved a couple years ago and remove the fraudulent item off my credit report. Now they are putting back on there. Inaccurate information from their company has cause me XXXX  health issues. That was already resolved. Remove this item off my credit file. I Will be taking this further to seek compensation due to these inaccurate issues on my report.
Product: Credit reporting or other personal consumer reports

In order to ensure and obtain a 100 % accurate and verifiable credit report In accordance with the FCRA, I have requested that XXXX, XXXX, and Transunion to remove an unverifiable account from my credit report via US mail and online dispute. I have stated that I am not liable for any debt with XXXX XXXX XXXX account : XXXX or XXXX XXXXXXXX XXXX XXXX. I have not signed any contract with them whatsoever. 
Moreover, the credit agencies have not provided me with any of the documentation or proof that I've been requesting- via mail or online, yet they are consistently updating my disputes to include XXXX XXXX XXXX XXXX 

In addition to me disputing the account in its entirety, there are several inaccuracies reporting on XXXX and XXXX beginning in XX/XX/XXXX and then from XX/XX/XXXX through XX/XX/XXXX. XXXX has also mistakenly or falsely labeled my dispute reasons as : '' Invalid date '' However, I am 100 % certain that I submitted each dispute for XXXX XXXX XXXX as : " I do not recognize this account ''. 

The failure of the credit reporting agencies to timely and accurately verify this is account is negatively impacting my credit score and decreasing my chance at being accepted into a first time homebuyers program. I need a resolution as soon as possible. 
Thank you.