23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a loan off a letter i got in the mail in XXXX of 2014 with Freedom mortgage who carries my current loan. They said i could reduce my rate with an FHA streamline. Then is XXXX i saw that you could reduce your mortgage rate so I asked them if I qualified for that and they told me yes. We will just resubmitt your loan. Well XXXX, XXXX, XXXX went by and no refi yet. They told me they did n't even have anything in there sysytem for me. I asked them to cancel my refi because i was going to go with a local lender here in XXXX. No my local lender is waiting for the FHA case number to be transferred from freedom mortgage and nobody is communicating with my new lender to get this done. I am going on over 6 months now and ca n't get a simple refi done becuase freedom mortgage wont transfer the FHA Case number. Any suggestions or help? 
\Thank you
Product: Credit card or prepaid card

I paid off my credit card debt. Synchrony bank came up with a new debt which did not make any sense and insisted that I pay it. I had called about this misunderstanding in the past and they apologized and resolved it. However, they continued to send me emails asking for me to pay debt.
Product: Debt collection

I received a collection notice stating that I owed a cable company {$66.00}. I cancelled my service with that company and returned all equipment and was told my balance was paid in full. I never received any other bill or communication from the cable company.
Product: Debt collection

SYNCB/CARE CREDIT SYNCBXXXX XXXX SYNCB/ASHLEY HOMESTORE Debt Validation Request Account Number XXXX XXXX Account Number : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods.

For my debt validation methods these are the things I would require from you. I would require the following information : To validate this debt, I require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt.

2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector, in case I choose to pursue further legal action.

3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency.

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company.

Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days.

Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel.

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX 2017 I faxed a dispute to XXXX XXXX regarding a XXXX XXXX  account that 's reporting to my XXXX and Equifax credit report in the amount of {$310.00}. I was told to allow 30-60 days to investigate, its been past 60 days and I have not received a response. I have attached the dispute with successful fax transmission.
Product: Credit reporting

Under sec 609 Of the FCRA The Creditors must show A Document with my Signature On It to report the information. I know They do n't have that information on hand and They still keep reporting the Items on my Report I dispute. I dimmed this get fixe.
Product: Debt collection

In XXXX of XXXX I was in a auto accident. My finance company at the time was Gold Acceptance. Gold Acceptance never sent out a claims adjuster to look at the vehicle nor did they come to the residence and repo the car. The car was left at the repair shop never to be repaired or repossessed. Since then I have had nothing but trouble from this company in trying to resolve this matter. On my credit report this company is reporting an inaccurate account date and account balance as of XX/XX/XXXX, when this account was charged off in XXXX. Please remove this account off my credit report. I am unable to get a new line of credit, or purchase a new home. This has been hurting my credit score tremendously please help!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account advises that I opened XX/XX/2023. I've sent credit reporting letter from 3rd party to have removed as it's reporting negatively on my file as I never gave permission to report. I've not received any correspondence from the company as of XX/XX/2023.
Product: Credit card

I ordered something from XXXX and it turned out to be a scam website. I called TJXRewards/Mastercard and they informed me that they can not issue a refund. It was a XXXX XXXX XXXX XXXX XXXX that costed XXXX. The website said it would ship from XXXX, but it turned out to be shipping from XXXX. Never received the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a XXXX Internet service, but XXXX did not get the service setup - indeed I have attached a voicemail message from a XXXX representative where he states that the service was not setup, however XXXX proceeded to bill me for the service that never was setup and never provided. I have several times reported this both to XXXX and to the debt collector that XXXX gave this over to - all to no avail as they just say their records show I received the service. The fact is they could not setup and provide the connection to my home and acknowledged this in the attached voice message left on my phone answering machine ; however, XXXX continued to bill me for what never got installed. I sought internet service and they threw in a phone line as a special addon offer, but I never received any of these. Indeed, after a year of disputing and getting their acknowledgement that they in fact never sent me the box with their modem that was part of the original order, they then, one year later without my knowledge, sent the the useless box with modem that could not be used because they had never completed the line setup to my house and the service obviously was not setup even then. For many years I have tried to straighten this out but my credit has been lowered due to their false claim on my credit showing " XXXX XXXX XXXX '' for " XXXX '' as a bad, unpaid debt on XXXX, XXXX and TransUnion all to my damage. Even with my proof ( see voicemail from their rep attached ) it never was installed, they insist their records say otherwise. These arrogant companies deserve to be fined severely and pay for the damages they cause!
Product: Debt collection

I took out a personal loan with Lendmark Financial Services to build my credit. All payments from this loan were made on time. At the time of the loan, I selected the insurance that if my job was lost, payments would be made. Sometime later, I increased the amount of the loan in XXXX, KY. Again, I checked the box for insurance that if I lost my job, payments would be made. All payments were made in a timely manner. In XXXX of 2015, I was laid off. Lendmark was notified and I requested that the insurance that I had taken with the loan and paid additional for, to make payments since I had lost my job, be implemented. I heard nothing from Lendmark until an amount was reported on my credit report. I have disputed this many times with the credit bureaus but again receive " complies with FCRA '' within a day or so. There isn't anyway that a thorough investigation could be done. Contracts were signed and Lendmark should have them on file or they were sold to another company. I may owe a portion of this debt but that would have to be determined from the contract and the insurance that was on the contract. XXXX XXXX is reporting XXXX due which is an incorrect amount.
Product: Mortgage

I have a mortgage with Chase Account No. XXXX. They opened an escrow account for my mortgage in 2015. I did not want an escrow account and do not need it because I pay my own taxes and insurance and always have. The escrow account has caused my monthly payment to increase and I can not afford the increased amount and I dispute the amount. I am elderly and do not want to lose my home.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in lights of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my institution and Zelle failed to investigate my claim adequately. They informed me recovering lost funds were impossible and transactions were unfeasible.This lack of accountability and transparency is unacceptable and raises serious concerns about our safety
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Personal Information : Name : XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When my student loans were transferred from XXXX to XXXX, I proactively called XXXX to clarify their delinquency reporting policy. XXXX did not report to credit bureaus until loans were 60 days past due. I was specifically told by a XXXX representative that the same 60-day window applied. 

Based on that information, I scheduled a payment for XX/XX/year>. I later learned that XXXX actual policy is to report after 30 days, and that they report to credit bureaus on the last day of the month. As a result, I was reported delinquent for being one day late ( on XX/XX/year> ). 

I called to clarify the policy because the paperwork was confusing. I acted in good faith, based on the verbal information I was given. This misunderstanding caused my first-ever derogatory mark in 60 years, and when I requested a goodwill adjustment or for them to review the call, I was told it wasnt possible unless it was due to a system error. 

This situation is unfair and distressing. Im requesting a review of the circumstances and a removal of the late mark due to the incorrect verbal guidance I received.
Product: Mortgage

My name XXXX, authorized agent for the XXXX XXXX account with AMERCA 'S SERVICING COMPANY act. # XXXX. I had a foreclosure case that was dismissed with prejudice under Rule 12Q for want for fraud. I rescinded my mortgage also pursuant to the Truth in Lending Act and recent US SUPREME COURT unanimous decision upholding TILA. My home was sold about a year ago. XXXX XXXX no longer owns it. This company will not stop harassing me no matter how many times I have communication with them. I have written them numerous times. They call me a minimum 5x's/day. I tell them I only do business in writing. They will not stop calling me. Please make them stop. The debt no longer exists since the mortgage was rescinded and the case was dismissed with prejudice. I do not want a loan modification.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX XXXX XXXX XX/XX/XXXX ChexSystems , Inc. Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Dispute of XXXX XXXX  XXXX Account XXXX XXXX Balance To Whom It May Concern, I am writing to formally dispute inaccurate information on my ChexSystems report regarding My personal information, and an account with XXXX XXXX  XXXX XXXX Below are the details related to the account and information in question : Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Phone Numbers : XXXX. This information is inaccurate and is not associated with my personal information. 

Bank Name XXXX XXXX XXXXXXXX XXXX Account XXXX : {$290.00} ( Paid ) Account Closure Date : XX/XX/XXXX According to my records, the balance of {$290.00} was fully paid, and the account was closed on XX/XX/XXXX. I believe this account should not be negatively impacting my ChexSystems report, as the balance has been cleared and all obligations fulfilled. Please investigate this matter, and I would appreciate if you could remove any negative reporting related to this closed account, as it inaccurately reflects my financial standing. Enclosed, you will find supporting documentation, including proof of payment and account closure confirmation. Thank you for your prompt attention to this matter. Please inform me of the process and outcome of your investigation at your earliest convenience.
Product: Debt collection

Sent company a letter requesting validation of debt, a contract with my signature authorizing the release of my personal and HIPAA information, as well as a cease and desist for all communication moving forward. Company has since failed to provide the requested information, are in violation of HIPAA laws, as well as failed to adhere to requests listed.
Product: Checking or savings account

When I opened this account I told them that I was wire transferring the money that I had from my XXXX  XXXX XXXX account thier account and they never informed me that they where going to put a hold on the funds so I completed the transaction and they have a hold on it know and it still has a hold still on it untill the XXXX they are telling me. The wire transfer happened on the XXXX. They got the money out then is thier any way you can help me with this? On top of that they have even placed a lock on my account and I can't view it online. They told me that it would take 24 to 48 hours for them to take the lock off.
Product: Mortgage

I am attaching a XXXX page PDF with a chronology of how Citizens Bank misled us on the mortgage they were selling us, and required us to produce {$190000.00} at the last minute, putting the closing on our new house in very serious jeopardy. I am attaching three dated closing costs documents showing how they failed to provide us with accurate closing costs documents three days prior to closing, as required by law. I also have XXXX pages of emails -- organized by thread and date -- showing that they were not telling us the truth on XX/XX/year> when they explained to us that we would need to ( almost immediately ) come up with an additional {$190000.00} in order to close on our new house. I can provide the XXXX pages of emails ( XXXX single file ) if requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items 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 XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

My husband and I attempted to make a payment in the amount of {$100.00} on XXXX/XXXX/16. The payment was declined. We spoke with the account manager that evening and explained that we were waiting on a direct deposit to be put through. She advised that we needed to contact her the next day. The company continued to attempt the payment without our consent until it finally went through. No authorization to draft our account was given, with the exception of the attempt on XXXX/XXXX/16. When we notified the loan company of the issue, they became rude stating that we needed to make a payment, and that since we gave them authorization on XXXX, they continued to try to collect the amount authorized. The GM has been attempting to have the call recording pulled, but has not had any luck. We were under the understanding that the payment declined, and that we were to contact the loan company the following day. We were never informed that they would continue to attempt to draft our account until they got an approval. The payment that was drafted caused our checking account to be overdrawn.
Product: Credit reporting or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX  XXXX Bankruptcy from XX/XX/2018 reporting on my Credit report which is fraud ; because I have an letter from the United states Bankruptcy Court stating that they do not provide information regarding case filings or disposition to the credit reporting agencies. Also the United States Bankruptcy court states in the letter that it does not have a relationship with the credit reporting agencies. Also you can contact the United states bankruptcy court at ( XXXX ) XXXX. The United States Bankruptcy Court 's information is in the letter that i provided.

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 acount without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has me with a final balance that falsely includes the fee of an un-returned router that has been confirmed as returned by a  XXXX  rep via email correspondence. The balance that has been reported on my credit report is inaccurate.
Product: Credit reporting

On or about XX/XX/XXXX Equifax updated my credit report via a dispute file by me to show XXXX ( XXXX ) tax liens were paid and released from the IRS. Both liens were originally filed XX/XX/XXXX and XX/XX/XXXX respectively. I then filed another dispute with them to remove both, as the rules states " Paid tax liens XXXX remain for up to XXXX years from the filing date and 10 years if not paid. '' Both liens have met this criteria as it 's now past 7 years since filed paid/released. Equifax removed XXXX of the liens ( filed XX/XX/XXXX ) and insist on leaving the other ( originally filed XX/XX/XXXX ) on my profile. I was recently told by Equifax via phone, that it will remain for an additional 7 years from the release date of XX/XX/XXXX. Both were released at the same time. I had the very same item deleted by XXXX without any problems. I was told and confirmed by XXXX that the item met the criteria to be deleted. However, Equifax insists that the 7 year clock to removed does not start from the original filed date of the tax liens but when released. This claim is not consistent with my experience with XXXX. It is very unfair that the same account would be victim to another 7 years of negative reporting. Please see the attached Equifax credit report documents and the confirmation from XXXX in support of the same account. I am requesting the remaining tax lien deleted from my profile as reported by Equifax in keeping with the rules as outlined by the FCRA. Thank you.
Product: Money transfer, virtual currency, or money service

When Venmo started charging customers to transfer money approximately 2 years ago, I emailed to complain about it to Venmo and requested my account to be terminated and to delete my information from their servers. I was never contacted back. I wrote them again after getting emails on a daily basis that someone was trying to access my account and I should change the password. To this day, when I go on Venmo.com to delete my account it tells me Im not allowed to close the account. Nobody from Venmo will return my emails or calls and now I believe employees at Venmo are harassing me on purpose because of the emails Ive sent them. I am a XXXX  veteran with XXXX XXXXXXXX from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX for this country. Im starting to think my services are now needed to be used against any greedy person or corporation that thinks they can harass someone like me. I am writing to report this because they wont adhere to my simple demand to close my account and stop harassing me with automated emails. If I cant rely on the government I protected to do its job Ill have to start taking measure into my own hands against Venmo. Im very good at XXXX. 

Thanks!
Product: Debt collection

I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3rd ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion is defaming my character. I am submitting this complaint on my own behalf
Product: Credit card or prepaid card

Early this year Synchrony Bank ( Gap Credit Card ) offered card holders a promotion. If one spent {$500.00} in XXXX to XXXX, inclusive, on non Gap purchases one would receive a {$50.00} Gap credit certificate. I did this, never received the certificate and eventually called the number on my credit card and was sent the {$50.00} certificate. 
The promotion was run again for the period of XXXX, XXXX, XXXX. Spend {$500.00} in non Gap stores and receive a {$50.00} Gap certificate. I spent the {$500.00} and again no certificate. I called over the summer and was told I would receive the certificate and that it took a couple of billing cycles. 
I am filing this complaint because I have not received the certificate. A short while ago I called XXXX and spoke to a representative of the credit card company who said there is no record of the promotion existing. At this point I can not the email offer. I called Gap customer service and they said it is a credit card promotion. 
Synchrony Bank can not continue to offer these promotions and then not follow through and them.