23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I WAS DENIED FOR CREDIT CARD I READ THE DECISION WAS BASED ON AND BY ALL THREE MAJOR CREDIT BUREAUS AND ANOTHER CREDIT BUREAU NAME LEXISNEXIS RISK SOLUTIONS INC. ( WHAT IS THIS LEXISNEXIS rISK SOLUTIONS INC. I THINK THAT COULD BE THE COMPANY THAT HAS ALL MY CREDIT IN RED THAT WAS PART OF THE BANKRUPTCY THAT IS DEROGATORY COMMENTS OF BEING 14 LATE PAYMENTS ON CREDIT CARDS THAT ARE NO LONGER MY RESPONSIBILITY SINCE MY DISCHARGE IS IN 3YRS COUNTING DOWN FROM THE BANKRUPTCY CHAPTER XXXX. CAN SOMEONE LOOK INTO THIS SINCE I AM PLACING MY ADDITIONAL COMPLAINT CURRENTLY XXXX  XXXX DENIED ME BASE OF XXXX, XXXX, XXXX, LEXISNEXIS RISK SOLUTIONS INC RISK VIEW CONSUMER INQUIRY DEPARTMENT. 
BASED ON DELINQUENCY AND DEROGATORY PUCLIC RECORD OR COLLECTION FILED BALANCE CREDIT LIMIT TOO HIGH LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED NUMBER OF INQUIRIES BY XXXX, HOW CAN THIS BE I ONLY HAVE BANKRUPTCY, NOTHING LATE AND SHOULD NOT HAVE ANY NEGATIVE MARKINGS, NOR COMMENTS. 

THAN THE FRONT OF THE LETTER BY XXXX  XXXX IN ADDITION TO THE ABOVE REASONS ALSO STATES : bASED ON YOUR CREDIT REPORT FROM ONE OR MORE OF THE AGENCIES ON THE BACK OF THIS LETTER, CREDIT BUREAU INFORMATION IS UNAVAILABLE BECAUSE THE APPLICANT WAS DETERMINED TO BE A MINOR?? BY THE CREDIT BUREAUS?? I NEED CFPB TO LOOK INTO THIS WHAT IS GOING ON I CAN NOT BELIEVE HOW MUCH TIME AND YEARS I KEEP HAVING NEGATIVE COMMENTS AND ALL THE CREDIT BUREAUS CONTINUE TO NEVER BE ON THE XXXX UPDATES OF PAGE. ALSO XXXX OR XXXX HAVE MY NAME AS XXXX XXXX XXXX WHEN I LOOK ON LINE VIA THE XXXX XXXX., MY NAME IS XXXX XXXX THAT IS IT! 1 I SENT IN SO MUCH AND CALLED AND SPOKE TO MANY TO PLEASE CORRECT MY NAME ON EACH CREDIT BUREAU EVEN THE RISK LEXIS WHICH I NEED TO KNOW MORE ABOUT THIS AND WHY THIS APPEARS ON AND OFF MY CREDIT REPORTS. THIS IS WRONG.. THAT IS WHY I HAVE SO MANY INQUIRIES THIS IS WHY I KEEP APPLYING AND WONDERING THE DENIALS ARE SOME WHAT THE SAME REASONS, BUT THAN I GET ANOTHER DIFFERENT REASON? THAN I HAVE TO ASK WHY.. PLEASE I AM FIGHTING TO KEEP MY CREDIT CLEAN, THIS IS NOT RIGHT!
Product: Debt collection

My credit report shows an account that Unifund LLC is reporting as a collection. I have contacted Unifund, have spoken with XXXX XXXX times. She told me they assigned an attorney to collect the debt. I initiated the call to Unifund and their attorney. Neither party can locate my " account ''. XXXX is treating me as an annoyance and this issue is causing me to delay buying a home. I called them to resolve this and I can not as they refuse or have nothing regarding this account.
Product: Credit card or prepaid card

On XX/XX/2017, a charge in the amount of {$350.00}, from XXXX on my Citibank credit card account ending # XXXX, which I immediately disputed a fraudulent, no services rendered. Citibank issued a conditional credit in the amount of {$350.00}, and stated the charge would be investigated. XXXX 2017, Citibank recharged my account {$350.00}, and said XXXX said the charges were for a hotel and the consumer never disputed said charge directly with XXXX. I again reached out to Citibank and disputed the charge asked for a copy of an itemized receipt showing how the charges were calculated and proof of signature and identification. To date Citibank has refused to provide copies of receipts or validated said charge with identification. Citibank requested additional documentation which I emailed the following : 1 ) Copy of a letter to XXXX CEO disputing said charges and requesting itemized receipt. 2 ) Copy of email from XXXX refusing to provide a copy of itemized receipt. 3 ) Copy of letters to state officials charging XXXX with deceptive fraudulent billing. Citibank asked me to complete and sign an additional form and return with the above mention support documentation and said a credit would post within 7 to 10 business days. When the credit did not appear and I reached out to Citibank claimed XXXX provided a copy of a bill and said charges were made online, but could not prove how, provide IP address or copies of receipts. Instructed me to dispute as fraudulent and close get a new card which I did prior to completing Citibank form and sending support documentation. <P/>Citibank is engaging in deceptive business practices and in conjunction with XXXX defrauding consumer to make monies off the consumers account balances and finance charges. Although I provided proof and disputed said charge Citibank accept no proof from XXXX to keep said charge on my account.
Product: Checking or savings account

On XX/XX/20, I logged in to my son 's account to send him money for his text books & saw a large check amt deposit of {$15000.00}. I immediately contacted TCF to alert a fraudulent transaction and was told the account will be frozen & an investigation started right away. However it was never frozen & the hackers ended up withdrawing over {$10000.00}. 
I called the bank for a consecutive 3 weeks straight and every time it's 2 hours on the phone being transfer from one dept to the next. I finally received a letter stating the the hack was my son 's fault bcuz his device was used to access his ATM card & XXXX. The bank then started moving money from all my family 's account to cover the fraudulent check that was deposited & how they came to this conclusion. I asked for proof of the check to see where it originated but never received it. They kept sending me the same info about how they can't reimburse me on the disputed acct. 
If an investigation was done, why haven't the docs i've been requesting provided. On top of withdrawing all my hard earn money, over {$8000.00} of all my savings, they also took over {$2000.00} from my oldest account & then froze all accounts & disabled our ATM cards. I've been with TCF bank for over 24 years & this is what it all boils down to.. I need my money refunded.
Product: Mortgage

Ditech took on our mortgage from another company a little more than a year ago. We are never late on payments for any bills and have had an account in good standing since this mortgage 's inception XX/XX/2014. In the last several months, Ditech has halted my ability to make automatic payments or online payments and charge fees for all other payment types ; deducted mortgage payments twice from my account ( taken out double what is due ) in two different months ; received authorization to collect payment over the phone and fail to take the payment ; reported to the credit reporting agencies that we were late on payments ( we were not ) so that I had to report them to the credit agencies ; sent collections people to our house in error multiple times ; refused to give us a record of our calls or proof that we are an account in good standing ; lost track of how much we have ( and should have ) in escrow ; and increased our monthly payment from about {$1000.00} per month to about $ 2400 monthly stating that they incorrectly accounted for property taxes. We have been diligent in following up with them monthly and this nearly five month saga is still ongoing.
Product: Checking or savings account

I have disputed numerous transactions, I cant get into my account probably because they want to limit my account for the 4th time. I never got all the money so I disputed them again as it has been over a month now. 

a payment that was for services was refunded to a client, under a buyer protection and it is a service I tried to dispute this and several transaction including XXXX  and XXXX XXXX  charges that were unauthorized and it also would not allow me
Product: Credit reporting, credit repair services, or other personal consumer reports

I nave been trying to challenge this debt and receive written verification of a debt from a debt collector for more than 10 years. it never goes away. I have no idea what is this related to.
Product: Student loan

I need a mortgage verification letter and/or loan summary letter that indicates my student loan balance is waived and/or at a {$0.00} balance. I am not able to print one from the Nelnet website.
Product: Debt collection

I received a short period service from XXXX XXXX in XX/XX/XXXX. I closed the contract and XXXX charged me a fee. XXXX tried to collect this ( {$190.00} ) and I did not pay it. For XXXX years this account has been sold to different Bill Collector Companies. Every XXXX years I have different company telling me that they trying to collect this money on behalf of XXXX. Now, the company that has this account is Diversified Consulting ( XXXX : XXXX ). I now is the obligation of creditor to collect debts. However, is there a statue of limitation for creditors to report this debt to Credit Bureau? Every time they sell it to another company, it shows as new debt. For example, I was told by the company that this debt is from the year XX/XX/XXXX. What should I do?
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX I took out a payday loan in the amount of {$1500.00} from Explore Credit. XXXX I revoked the rights for XXXX payments. On XX/XX/XXXX, Explore Credit sent an email confirming the revocation of XXXX payments. Fast forward to XX/XX/XXXX. An unauthorized payment of {$50.00} was taken from my account which resulted in an overdraft. On XX/XX/XXXX and other XXXX  payment came through my account t in the amount of XXXX with another overdraft fee. Although, in short order, the XXXX was returned to my account. This is against federal law. Penalties should be enforced plus my loan forgiven.
Product: Mortgage

I am being charged roughly double for my taxes. Freedom mortgage is debiting {$1900.00} per month for my taxes which are {$6500.00} yearly. This could lead to approximately {$10000.00} more a year than needed by the township. All necessary paperwork has been submitted multiple times via email and fax for close to 4 full months. The continued response is we are working on it with no follow through. We have maintained timely payments but will not be able to maintain if this continues. Our quality of life continues to suffer because of the actions of freedom mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX XXXX XXXX ; and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Debt collection

Company requesting payment for debt that was never owed, for rent of a property that was never leased. Despite it being a case of mistaken identity ( letters addressed to person with different name and of the opposite gender ), company keeps making contact. 

Receiver of debt collection request was not living in-state at time purported debt was accrued.
Product: Credit reporting

I 'm on SSI and ca n't pay for students loans and I ca n't find out how to get them taken off my records
Product: Checking or savings account

M & T PROVIDED GENERIC ANSWERED : " On XX/XX/2024, you received provisional credit for XXXX disputed transactions along with international ATM fees totaling {$5200.00}, to your checking account ending in XXXX. '' XXXX ) WHY THE MONEY WAS NOT AVAILABLE TO USE? NO REASON, NO NOTIFICATION WERE PROVIDED ABOUT THE ACCOUNT BEING FROZEN " On XX/XX/2024, your disputed transactions mentioned above were denied, as we determined that the transactions were processed correctly, and no error occurred. You were notified by mail of the denial, and upcoming reversal of the provisional credits to occur on XX/XX/2024. '' XXXX ) WHERE ARE THE PROOF THAT THE TRANSACTIONS WERE PROCESSED CORRECTLY? BASELESS AFFIRMATION!!! REMEMBER THAT A BANKER TOLD ME THAT NO MATTER WHAT THE CLAIM WILL BE DENIED. 
" In your correspondence, you requested clarification on the number of days the review process could take for the disputed matter. We have confirmed that ATM disputes can take up to forty-five days to be decisioned. We understand you were provided conflicting information, and regret the frustration this matter XXXX have caused. '' XXXX ) WHAT WAS THE REASON OF PROVIDING CONFLICTING INFORMATION? THE BANK WAS TRYING TO BUY TIME? 
PLEASE SHARE THE RESULTS OF THE INVESTIGATION BECAUSE IT IS EASY TO DENY THE CLAIM WITHOUT PROVIDING SOME SORT OF DOCUMENTATIONS. ALSO I DO NOT NEED A GENERIC RESPONSE OR INFORMATION BECAUSE THIS CASE IS SPECIFIC. SO, THE BACK OFFICE TEAM RESPONSIBLE FOR THE INVESTIGATION SHOULD BE THE ONE ANSWERING WITH ALL THEIR FINDINGS TO JUSTIFY HOW THEY HAVE COME UP WITH A DENIAL WHICH SHOULD BE DIFFERENT THAN THE CONSPIRACY THEY HAD TO DENY THE CLAIM IN THE FIRST PLACE EVEN BEFORE STARTING THE INVESTIGATION.

DISHONEST PEOPLE WORKING FOR A DISHONEST BANK RIPPING OFF HONEST PEOPLE AND TRYING GET AWAY WITH THEIR CLIENT MONEY.

I WILL MAKE SURE THAT THE BANK STOP ABUSING THEIR CUSTOMERS!!!
Product: Mortgage

Our refinance opened on XX/XX/2021. We were told that we locked in a rate of XXXX. We submitted all requested documents. We began to receive circular requests from Cardinal Financial via XXXX with " new to-dos. '' The same questions continued to be asked, to which we responded, but new to-dos continued to be issued. For example, I do not have a W-2 as a self-employed individual, but I continued to be asked for my W-2 despite telling Cardinal Financial I do not receive a W-2.

We grew concerned as several months passed. Each time we checked in, a new to-do would be issued with more questions. It was like quicksand.

In the meantime, the company sent an appraiser who billed us directly for {$1000.00}.

I wonder if Cardinal had any intention of actually closing this loan, and wonder if they have an arrangement with their appraiser to generate fees and bill unsuspecting applicants. We were misled by Cardinal, and they now tell us that it is our fault for not turning in documents in a timely manner ( which is false ). We are now at the end of May, nearly four months after we opened this refinance, and we have no closing in sight. Meanwhile, we have missed out on the low rates that we could have gotten had we used a different company, costing us hundreds of dollars per month, and {$140000.00} over the life of the loan.
Product: Consumer Loan

The monthly statement lists the New Balance Total, Total Credit Line and Total Credit Available. I have not accessed the credit line in years but called today to request money from the credit available. I was told the account was closed and I could not access any money. 
The statement is deceptive and misleading. All this time I considered that available in the event of an emergency. I call today and only need XXXX of what is stated as available and told no, there is no credit available.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Report Act XXXX  Account XXXX ( XXXX XXXX XXXX ), XXXX ( XXXX  ) has violate my rights. 15 U.S.C Section 602A states I have the right to my privacy. 15 U.S.C 168 Section 604A Section2 states consumer reporting agencies cannoli furnish accounts without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a method of verification of this bankruptcy on my credit report.
Product: Payday loan, title loan, or personal loan

These are the last 5 payments I have made : XX/XX/2022 : {$2500.00} XX/XX/2022 : {$640.00} XX/XX/2022 : {$640.00} XX/XX/2022 : {$670000.00} ( This is where I noticed the issue. ) XX/XX/2022 : {$2900.00} Account Balance was {$11000.00} on account statement for period of XX/XX/2022 - XX/XX/2022 and after payment of {$6700.00} posted, I see {$5800.00} current balance. I believe the balance should be {$4400.00}, however, I am unable to see amounts before and or after payments have posted on app nor website. 

I contacted their support via phone to inquiry about the reason for the missing $ XXXX and was repeatedly assured it was calculated correctly. I asked for amounts before and after each payment and they refused to provide this information. The rep said they don't have the information and that they have to manually calculate it. 

After putting me on hold multiple times, the rep asked to confirm my contact information. They updated my address, then said, " Did you need anything else besides your address updated? ". When I responded that I still needed the balance history of before and after each payment, the agent hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the following account Enhanced Recovery Company. Please investigate to ensure there is no fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies did a hard inquiry on my report fradulent without my authorization and has failed to provide proof of me applying for the account 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX MI XXXX XXXX Balance : {$3600.00} XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXX  XXXX Balance : {$8300.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$24000.00} XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company recently added a collections account on my credit report on XX/XX/23. This company has sent many text messages. I ignored them because I get a lot of spam texts and calls. The last text I have is from XX/XX/23. They called me one day mentioned a debt that I have never heard of or had. I advised them this and I thought it was over. Now this is on my credit report. Also, I am under bankruptcy so them contacting for a debt, even though the debt is not mines, is illegal. I want this off of my credit report
Product: Mortgage

Ocwen always denies my modification? I cant afford my payments, everytime that i call to check status on the application an this being every other day, they give the round around an there is always a doc missing from my end all though they say if I call one day they say package is complete and on another day that they realize i missed a paper, till I get tired and dont complete the process, this is after 2 1/2 month trying
Product: Debt collection

I asked on XX/XX/18 why this company called my dad no reason. Then I asked to stop being contacted during my working hours 8-4 and they said they can not do that
Product: Student loan

My four loans ( 1 per year ) ranged in interest from 3 % to 4.25 %. Rate did not change from XXXX when I first got the loan, until XXXX when Sallie Mae changed to Navient. In XXXX is when I noticed my rates beginning to rise. Currently my rates are 5.5 % -6.5 %  and only raise. They are variable rate, however only go up. When the prime or libor rate drop, my loans don't. However, my rates go up when prime and libor go up even when they have not exceeded their previous mark. for example in XXXX the rates were at all time highs. Now they are half of what they were 10 years ago, but my interest rate has doubled. 

Additionally, one of my places of employment closed for 6 months last year. The only option I was offered was forbearance. Now customer Service tells me I would have had other options, but did not disclose what they would be. 

Each rep I speak to simply states a blanket statement, I assume from their prompt screens, that state when rates go up, so does my interest. Nobody including customer service reps, supervisors, managers, or the current advocate assigned, has been able to explain why I don't benefit when rates go down. Also, depending on whom you speak to, they can't tell me if my rates are based on prime or Libor, they are unable to explain what my base rate is, they just say base plus prime or libor. As a matter of fact, the last person I spoke to said prime is currently 5 %. At that time, my loan rate was 5 %, and they did not know what my base rate is. 

I asked for my original loan amortization schedules. I'm told they are not available because they are 'too old ' and with a variable rate it can extend the life of the loan. I believe my first payment was XXXX of XXXX. I should be done with repayment in XXXX of XXXX. Currently, they show XXXX of XXXX. 

With incorrect and unjust interest changes, there is a significant financial remediation called for based on improper allocation of funds.
Product: Credit card

This account entirely is credit card fraud these transaction were not done by me.. I ONLY MADE XXXX PURCHASE OFF OF XXXX XX/XX/XXXX for XXXX they kept letting charges go through and have a recorded conversation that is not myself giving my credit card information out to make a purchase where I never was at in the first place.. Ive sent XXXX document and a police report which they have NEVER contacted the sheriffs office about now they want me to pay over XXXX for a vacuum I purchased .. not paying this amount until this gets handled the right way
Product: Mortgage

J.G Wentworth Home Lending overcharged me, the homeowner, {$1400.00} premium mortgage insurance ( PMI ) over and above the FHA PMI requirements from XX/XX/XXXX to XX/XX/XXXX and refused to issue refund. Attempts to work with J.G. Wentworth from XX/XX/XXXX to date ( XX/XX/XXXX ) to request the refund have been unsuccessful. Supporting documents and formal request for the refund were sent but J.G. Wentworth refused to acknowledge and denied the responsibilities.