23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX. Received a phishing call ( XXXX ) from someone claiming to be XXXX XXXX saying someone charged an XXXX to my account. They would send me a code so they could stop the payment. I gave them a code and they set up an account with Affirm.com. 
XX/XX/XXXX. I received an email from Affirm that my loan to XXXX Vacations was approved. 
XX/XX/XXXX. I received an email from XXXX Vacations for a trip. Payment method visa XXXX for {$1500.00} XX/XX/XXXX. I called XXXX to report fraud. They said to call XXXX XX/XX/XXXX. I filled out a form to file a complaint at Affirm as they were closed. 
XX/XX/XXXX. I called Affirm and reported fraud. They sent to escalation XXXX XX/XX/XXXX. I called XXXX XXXX to report fraud. They said they would try to cancel but received an email on XX/XX/XXXX saying they would not cancel. 
XX/XX/XXXX. I called Affirm, spoke with XXXX to report fraud again. 
XX/XX/XXXX. I received an email from Affirm confirming my loan and processing my order with XXXX.
Product: Mortgage

On XX/XX/2020, after submitting an inquiry request online, a mortgage lender from AmeriSave Mortgage Corporation called me to discuss refinance options. I was quoted a rate of 2.875 % over 15 years with {$3600.00} in closing costs to refinance my {$97000.00} mortgage. I explained to him that, with my present 3.5 % 30-year mortgage ( 23.5 years left ),  this would not make sense. 

He then proceeded to tell me that I would save about {$40000.00} by refinancing. I calculated it in XXXX and and told him that I would only save {$850.00} in payments paying over 15 years ( I could pay {$690.00} over 180 months to pay off my current mortgage, while my payment with closing costs bundled in the new mortgage would be {$680.00}, a difference of {$4.00} or {$850.00} in nominal terms ). Even looking at the life of loan payment total for my remaining existing mortgage vs. the refinance being offered, I would only save {$18000.00} in nominal dollars ( and that's paying my current mortgage over the remaining 23.5 years vs. paying the refinance in 15 years ). 

In addition to belittling me and telling me that I should trust him since he's the loan officer and I'm the consumer ( even though I'm a former XXXXXXXX with an inactive XXXX license  and current XXXX XXXXXXXX XXXX at a XXXX   XXXX XXXX with nearly 13 years of total professional experience ), he was flat our wrong and overstated my true saving by more than 40x what it would be! My concern is that he could deceive those who are not as financially savvy into refinancing based upon falsely-calculated savings in an effort to increase his closing rate.
Product: Debt collection

Multiple phone calls made at all hours of the day and night Refusal to provide any documents
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly? Who verified these items? 

I demand the following items be verified or deleted immediately. 

XXXX XXXX XXXX XXXX, NJ XXXX -- -- - I don't live here. Please remove. 
XXXX XXXX XXXX XXXX, NJ XXXX -- -- - I don't live here. Please remove. 

I don't recognized these inquiries. 

XXXX  Date of inquiry : XX/XX/XXXX XXXX  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 Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to get my credit report updated on the XXXX account as it was settled since XXXX of 2020 with their agent how bought their debt ( Full Circle ) and have not been able to obtain the final letter transferred that debt from XXXX to Full Circle nor has my credit report been updated to reflect {$0.00} balance on XXXX. 

They tell me that they have attempted to contact XXXX with no results and they could not give me any documentation that they bought the debt from XXXX. 

I have been emailing and contacting XXXX with numerous attempts along with over 10 + hours on hold with multiple transfers and disconnects and they still show2 I owe those funds. 

I have attached all the correspondence in hopes that I can get a letter from XXXX as this is holding up my refinance on my home and need it asap as I have also spent additional funds out of my pocket for the appraisal fees. 

Please can someone Please help me. 

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

This account was opened up fraudulently back in XXXX of 2015. My share the same name as my father and he has opened up several accounts in my name such as repossessed cars, cable, insurance, store accounts and this timepayment corp account. I have attached my previous credit report and police report
Product: Mortgage

I am a XXXX year old male living in Massachusetts with my wife, and XXXX children. I have been unemployed since XX/XX/XXXX. My wife works 32 hours a week and we have been struggling to keep up with our bills. In XX/XX/XXXX, we began to find we could not cover our monthly mortgage payment. Our home lender at the time, XXXX XXXX, approved a temporary mortgage forebearnace till XX/XX/XXXX or until I got a job. However, they sold my mortgage to Specialized Loan Serving in Colorado in XX/XX/XXXX. This company has been extremely difficult to deal with. They frequently do not answer when I tried to contact them during weekly business hours. They frequently call me leaving harassing messages that I am delinquent on my loan and have sent me several letters in the mail saying I am delinquent on my loan and they are going to foreclose on my home, only to send me another letter the following week saying " we inadvertently send you a notice of intent to foreclose, please disregard ''. They also said I owed over {$18000.00} which I do not believe is correct as 7 months of mortgage payments would be around {$7000.00}, plus any late payment or other fees.This has caused my wife and I much distress, and contributed to exacerbating some health concerns we have. I now have found a job and will start the end of XX/XX/XXXX. However, when I contacted Specialized Loan Servicing to inform them I had found a job and could begin making my scheduled monthly payments in XX/XX/XXXXbut needed a loan modification to arrange to pay off the 7 months of monthly mortgage payments I was excused form under the forebearnace, they would not talk with me. The said I needed to fill out a loan modification request form on their website and submit it. They said it would not be reviewed for 30 days and then a decision would be made after that. By that time, my mortgage forebearnace would be over and they could try to foreclose on my home even though I now have a job and want to resume my payments. I feel that this is unfair after XXXX XXXX gave me the mortgage forebearnce in good faith with the understanding that I could then begin to pay my mortgage payments when I did get a job and work with me to do a loan modification to arrange to pay the past amount due.
Product: Credit card or prepaid card

I paid my Marcus Goldman Sachs credit card {$3900.00} on XXXX in error, which gave me a credit as my balance was XXXX at the time. Thus I called and asked to have it reversed and was told that was not an option. They said they would send a check which I received dated XXXX. 
I deposited check in my checking account on XXXX. On XXXX Marcus GS reversed the XXXX and added it to my account thus creating a debit on my account stating that I owe them that amount. I have talked to supervisors and managers at Marcus to no avail. I never received the reversed amount and they are billing me, and added interest.
Product: Credit reporting or other personal consumer reports

I noticed that XXXX accounts were added to my credit report on XX/XX/year>. Both are listed as student loans from the Department of Education and are for different amounts ( {$3000.00} and {$1700.00} ). I do not have any existing student loans, nor have I filed for any, so I am certain these do not belong to me. I filed a dispute via XXXX XXXX back on XX/XX/year>, but it was resolved with no changes to my credit report. I filed again today ( XX/XX/year> ) with XXXX XXXX and also called XXXX directly. The woman I spoke to at XXXX indicated that for them to further investigate my dispute, I needed to file a complaint with the FTC/CFPB for them to resolve the issue. I would very much appreciate some help resolving this issue, thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

These collection companies are reporting that I have an open account which is not under FCRA compliance. 

NCB MANAGEMENT SERVICES # XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Placed for collection:XXXXXXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : DEBT BUYER Balance : $ XXXXDate Updated:06/13/2021Original Amount : {$1400.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$420.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX Pay Status : >In Collection<Date ClosedXXXX Remarks : Completed investigation of FCRA dispute-consumer disagreed ; AFFCTD BY XXXX XXXX ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Placed for collection:XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXDate Updated:XXXXOriginal Amount : {$360.00} Original Creditor : XXXX XXXX XXXXXXXX Past Due : > $ XXXX Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into the bank today to apply for an auto loan. They only pull equifax, and there was a fraud alert neither I nor the lender had ever seen. It would not release my credit report or score to them. I called equifax, and they tried to run my report over and over asking me my information every time. They could not find any report under my name. The previous day, I had applied for financing from the dealership, and they were able to pull credit from both XXXX  and XXXX. In addition, no XXXX  XXXX XXXX site will pull equifax, only the other two. I do not see how my file has disappeared, as the same bank pulled it last year for my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft pursuant to 18USC 1028A, I'm requesting XXXX, TransUnion, & XXXX to remove inquiries that I deem as alleged fraud. Pursuant to 15 USC 1681c-2 which states these inquiries must be deleted within 4 business days of receipt of identity theft. These inquiries must be removed : These inquiries are attached to the FTC ID Theft Reports enclosed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Equifax failed to do the following requests : XXXX XXXXXXXX XXXX XXXX The General - Paid in Full - XX/XX/year> - Reference # XXXX Confirmation # XXXX - On XX/XX/year> - The General Representative agreed to remove collection once Paid in Full - XXXX refused to remove but incorrect data remains on credit report in negative reporting and remains on XXXX, Equifax & XXXX nor does it states - Paid as Agreed but as a negative reporting - - " Potentially Negative '' XXXX XXXX Paid in Full - {$570.00} - XX/XX/year> - Confirmation # XXXX On XX/XX/year> - Per XXXX  XXXX Representative agreed to remove collection from all credit bureaus once Paid in Full but remains on XXXX XXXX & XXXX nor does it states - Paid as Agreed but as a negative reporting - " Potentially Negative '' As a XXXX Veteran, the above matter continues to prevent me from establishing a clear credit report in order to purchase my first home and non-secured credit cards. I pray you can assist me in this vital matter.
Product: Debt collection

On XX/XX/XXXX, an account under the name of Jefferson Capital Systems , LLC ( " JCS '' ) appeared on my credit report as a derogatory mark/placed for collection. Initial written notice of this item was not sent to me until the beginning of XX/XX/XXXX. I disputed the debt in writing within the allotted 30 day window, via certified mail/letter dated XX/XX/XXXX, in which I specifically communicated the following to XXXX : " Dear Jefferson Capital Systems , LLC, This letter is being sent to you pursuant to the Fair Debt Collections Practices Act, XXXX XXXX Sec. XXXX. I am responding to your contact about collecting a debt. You contacted me by mail on XX/XX/XXXX about a debt of {$2800.00}. 

You violated the FDCPA Sec. 809 ( a ) by not providing the written notice specified in that section within five ( 5 ) days of your initial communication. 

I do not have any responsibility for the debt youre trying to collect. 

If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. 

Stop all other communication with me and with this address. If your offices continue to attempt communication, other than to validate the debt, it will be considered harassment and I will have no choice but to file suit. '' XXXX has since routinely attempted to contact me by phone, and I receive monthly billing statements from them with varying requests for payment. 

In their most recent written outreach, XXXX is directly threatening suit in violation of FDCPA based on the claims I made to them in my dispute letter from XXXX. 

Additionally, XXXX is headquartered in Minnesota, but they send me debt collection letters from the address po box XXXX XXXX, NC. This is a strategic method that aims to confuse consumers, and to trick them into settlement payments that XXXX XXXX can process without actually resolving the debt. 

Several class action lawsuits have been filed against Jefferson Capital Systems for the deceptive use of the address po box XXXX XXXX, NC. For example : XXXX XXXX Jefferson Capital Systems XXXX XXXX XXXX Jefferson Capital Systems XXXX I will continue to report this firm to the various state and federal bodies providing oversight of their industry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give these companies writing consent for this reason! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 18th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXX XXXX
Product: Credit card

Today, I believe scammers tried to verify my visa account. They had a list of my husband accounts and wanted me to verify if XXXX of them, stating it had been used to open an account with the bank XXXX XXXX. The caller then transferred me to Experian to cancel the account. The next person tried to check other cards and stated the government has a program to reduce debt by XXXX percent. I asked the agent to call back on Monday because the accounts belong to my spouse. I immediately called visa and requested the card be closed and a new one issued. How is so much information getting out and how to do I correct it?
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, {$1200.00} was stolen from my joint checking acct that I share with my husband. 
Earlier that day we had reason to believe our account had been compromised. Once discovered, we immediately went to the Chase bank branch on XXXX and XXXX to personally have our acct closed and locked so any unauthorized access would be denied. A new acct was then opened, and all funds transferred from the old acct. The bank assured us that these steps would protect our funds. However, within minutes, {$1200.00} was stolen from our new acct. This amount comprised 2 wire transfers, one for {$500.00} at XXXX and one for {$650.00} at XXXX. including the transaction fees of {$50.00}. These stolen funds were wired via a XXXX XXXX bank in XXXX XXXX  XXXX into the acct of XXXX XXXX. We do not know any person with this name and we do not have any accounts at XXXX XXXX. 

Even though Chase manager, XXXX XXXX , processed these transactions, it was apparent that our new acct had not been secured and the thieves were able to access our acct without our knowledge. Chase has refused to reimburse us for the fraud and have in fact denied our claim citing it as a scam. The bank explained that fraud is defined as " unauthorized access to an account without the account holders knowledge or consent '' and defined a scam as " account holders being deceived into granting access to funds ''. By their own definition, Chase bank is aware that what occurred to our acct was fraud and not a scam, yet they refuse to reimburse us for the funds stolen. 
Additionally, on the following day, XX/XX/year>, Chase sent a text verification to my husband 's phone confirming that the bank itself spoke to the fraudsters, thus granting access and enabling the criminal transaction. 
Now Chase continues to tell me that WE gave them access by authorizing the wire transfer, and that couldn't be further from the truth. It seems as though they are using every excuse they can to blame us and keep our money. 

I have talked to several people in Chase fraud dept. On XX/XX/year>, I spoke to XXXX at XXXX ext XXXX and I've spoken to him several times after that date. I spoke to XXXX on XXXX, XXXX, 2024. I've also spoken with XXXX in the fraud dept. and many others whose names I can't remember. All have not been helpful and told me that my claim has been denied. The only person who has helped me in all this, including filing complaints in my behalf, etc... is XXXX at the Chase bank branch on XXXX and XXXX We sincerely hope you can help in this matter, as {$1200.00} is a substantial amount that we can not afford to lose. 

Thank You
Product: Checking or savings account

XX/XX/year> requested transfer of {$10000.00} from XXXXXXXX by XXXXXXXX XXXX to XXXX XXXX by Webster bank. 
XX/XX/XXXX XXXX emailed requesting bank statement and drivers license XX/XX/XXXX I notified XXXX that I was no longer interested in the transfer, please stop the process. 
XX/XX/XXXX XXXX told me to contact XXXX and have them ask that the money be returned XX/XX/XXXX I contacted XXXX. They told me the return must be initiated by XXXX. 
XX/XX/XXXX I contacted XXXX. They said it would be in my XXXX account by the XXXX or XXXX for sure. 
XX/XX/XXXX, Money did not arrive at XXXX. I spent 6 hours on the phone with calls to both banks. XXXX says they cant transfer unless they get a letter of indemnity from XXXX. XXXX said they dont do that. I had XXXX and XXXX on the phone at the same time and they could not agree on the process. Supervisors at both banks could not agree on the process. I was told it could take 30 days to resolve this. In the meantime someone is holding my money and I am earning no interest. Online research shows that this is typical for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX vision has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX  vision Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX vision takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Bank account or service

Bank of America has close my account that I had open since XX/XX/XXXX saying thatMy report from XXXX reads as such : XXXX Il XXXX XXXX XX/XX/XXXX $ -no amount showing or what your report states Transacting or attempting to transact, with a check in a fraudulent Manner, including but not limited to the passing or depositing of Forged, altered, closed account, stolen, counterfeit check, or Non-negotiable item ; the kiting of checks, drawing against insufficient Or uncollected funds, empty envelope ATM deposits, or keying errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered unauthorized inquiries displaying on my credit file with Experian. I have been a victim of identity theft and have not applied for credit in anyway. I took the liberty of filing identity theft report in reference to unauthorized inquiries. Again, I did not apply for credit. Please assist me CFPB in resolving this matter. Enclose you will find report listing the inquiries in question. Thanks
Product: Debt collection

I stated that I had no acknowledge of this matter and can they please verify a little more further and I will look into this matter myself because I did not nor do I had any ideal how this would come about.