23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my home through Loan drop. I was told that it would drop my payment by {$100.00}, my rate a full point, that I would skip two months of payments, my closing costs was {$500.00} and keep my escrow check. Four days before closing I was told my payment would be {$40.00} higher then promised and I will have to hand over my escrow check for closing. So I spoke back to the original guy I started the process with who informed me that he would take care of it and I will definitely keep my escrow will check. Once again the promises were broken and I was told I do still need to give off of my escrow check because it's going to be part of my closing cost but what I could do is write them a post-dated check and they will cash it 30 days after closing for the closing cost. So I wrote them a post-dated check to only come and find out 3 months later they lost my check. I spoke to another Mortgage Company who told me to bring in my closing documents so they can take a look and see what's going on because they have never heard of anything of its kind. Sure enough the amount that they had me posted the check for that they are claiming is for closing costs is not listed on my closing disclosures nor was it listed in my XXXX tax statement. I think reached out to loan Depot again and ask them why it was not listed on my closing documents or my XXXX statement. I was told that it has nothing to do with closing so I didn't ask but what is this money for. And then received a very condescending email from the processor that just told me I need to send him a replacement check and that if I had any questions to call him but every time I reach out to call him he will not answer the phone. I need help with this lender it seems like something shady is going on. This situation has been going on since XX/XX/XXXX ( closing date ) all the way up to today 's date.
Product: Payday loan

I have been contacted by a XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ext. XXXX regarding a debt through Castle Payday. I tried calling Castle Payday about the account, but it refuses to forward to me a validation of debt. Meanwhile, this person from XXXX keeps calling my employer, family and friends stating that I have committed fraud. The people of XXXX will not give me their address, fax number or email address.
Product: Bank account or service

I checked my bank account on theit app, and found a {$9.00} direct atm fee. I have never received a fee for using an atm before besides the surcharge incurred at the terminal. I called and spoke with XXXX, who claims I was given paperwork at the opening of my account that states if an atm is not in network, I will receive a {$3.00} fee per usage. I do not recall seeing this, nor have I been charged previously for any atm usage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccurate and fraudulent information on my credit report. I did not give them written instruction to report anything and I opt out of any further reporting. This company has never had my permission to report anything on my behalf, and they are violating my rights as a consumer. This is aggravated identity theft. I never gave this company my information to report
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submit a complaint XXXX about information on my Experian credit report address are not mine and incorrect. I have asked Experian to correct these address XXXX times now. I have provided proof my correct address. Driver licenses, and utilities bill. Experian is the only credit reporting these incorrect information. I will now attach a copy of my XXXX and XXXX report. showing my correct address. I also have a copy of XXXX of my credit cards that is on my Experian report. that has my correct address. So, Experian is reporting incorrectly or not reporting correct information. Under the fair credit act USC 1681. credit reporting agencies are required to report accurate information. Experian is clearly not doing so. this is a violation of the fair credit act which carries XXXX per violation. Experian is reporting XXXX incorrect address that needs to be removed immediately. there are highlighted on the Experian report.
Product: Checking or savings account

My dispute has been closed and denied multiple times with no investigation or documents used to deny Claim being provided after requesting. I had same transactions on my XXXX XXXX and that Claim was approved. 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Document Request Date : XXXX Claim Amount : {$9500.00} Chime XXXX XXXX  Date Amount Merchant XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$50.00} XXXX XXXX XXXX. XXXX XXXX {$50.00} XXXX XXXX XXXX. XXXX XXXX {$20.00} XXXX XXXX XXXX. XXXX XXXX {$150.00} XXXX XXXX XXXX. XXXX XXXX {$50.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX. XXXX XXXX {$280.00} XXXX XXXX XXXX. XXXX XXXX {$500.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$70.00} XXXX XXXX XXXX. XXXX XXXX {$150.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$150.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$100.00} XXXX XXXX XXXX. XXXX XXXX {$6.00} XXXX XXXX XXXX. XXXX XXXX {$100.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$150.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX. XXXX XXXX {$300.00} XXXX XXXX XXXX. XXXX XXXX {$65.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$200.00} XXXX XXXX XXXX. XXXX XXXX {$3.00} XXXX XXXX XXXX. XXXX XXXX {$95.00} XXXX XXXX XXXX. XXXX XXXX {$140.00} XXXX XXXX XXXX. XXXX XXXX {$100.00} XXXX XXXX XXXX. XXXX XXXX {$100.00} XXXX XXXX XXXX. XXXX XXXX {$80.00} XXXX XXXX XXXX. XXXX XXXX {$2.00} XXXX XXXX XXXX. XXXX XXXX {$30.00} XXXX XXXX XXXX. XXXX XXXX {$29.00} XXXX XXXX XXXX. XXXX XXXX {$95.00} XXXX XXXX XXXX. XXXX XXXX {$250.00} XXXX XXXX XXXX. XXXX XXXX {$120.00} XXXX XXXX XXXX. XXXX XXXX {$180.00} XXXX XXXX XXXX. XXXX XXXX {$72.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, AMERIFINANCIAL SOLUTIONS has violated my rights. 

15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
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 account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00} XXXX. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent certified letters to the credit bureaus regarding the inaccurate and unverifiable items on my credit reports. To this day, over 35 days ago I still haven't received a response. This has caused me great stress because I've been denied credit due to all of these bogus items on my report. My report showed multiple wrong names, addresses and unknown accounts. The Fair Credit Reporting Act Section 611 ( a ), plainly states, that a consumer reporting agencies shall provide written notice to a consumer of the results of a investigation no later than 5 business days after completion of the investigation and that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report. I demand that these inaccurate and bogus items be removed immediately. It has been over 35 days so my next step will be to file for litigation due to the stress I've been caused. My information was also impacted by the XXXX data breach and someone may have gotten my information.
Product: Debt collection

On XX/XX/XXXX I went to XXXX Hospital XXXX. At the time of this visit, I was an employee of the Hospital System. I carried the employer sponsored insurance plan as my primary insurance as well as Florida State XXXX. When asked, I presented both insurance cards to the hospital 's registration representative for billing purposes. I also presented, by State ID & signed authorization 's to treat & bill my insurance. My primary insurance, the employer sponsored, paid {$0.00} & applied {$810.00} to my in network deductible, which left {$810.00} left payable by my secondary insurance, Florida XXXX. The hospital never billed my secondary insurance, instead they billed me the patient, but never actually sent out a bill. I was able to verify this information because I worked in the patient accounting department, doing the insurance billing & collections. My account was outsourced to a third party agency, by the name of Common Wealth Financial, under account # XXXX. I made contact with Common Wealth Financial in XX/XX/XXXX, I advised email to proof that I was covered under Florida XXXX on the date of service mentioned above. In XX/XX/XXXX this item was removed from my credit report, along with account # XXXX, collection account for Date of Service XX/XX/XXXX for {$210.00}. Sometime between today and XX/XX/XXXX, both balances were reported back to XXXX, XXXX & XXXX. I made contact with Common Wealth today, XX/XX/XXXX & was advised this information was not be reported to the credit reporting agencies mentioned previously. In additional, Common Wealth Financial was unwillingly to investigate and/or resolve the issue.
Product: Credit reporting or other personal consumer reports

Transunion has as previously reported ( open complaint # XXXX ), unfairly deducted XXXX score points from my score and have, when literally forced to do so provide a score among many other issues they will not address. This recurring problem has existed for years. This current issue they took XXXX pts from my score and have NOT provided any reasonable explanation. I have {$14000.00} in available credit and used this time XXXX of it and they took that whopping XXXX. I have a 100 % payment history and NEVER late. The last time they did this I was informed by them and that XXXX I used over XXXX XXXX of my allowable available credit, which at the time was another lie, and I let it slide. Additionally, they published XXXX score I could readily avail ( i.e. XXXX XXXX or credit card account, etc. ) and then when I searched the actual credit file that score was significantly lower. Since the previous complaint to CFPB they have cleaned up some of the careless and erroneous info. This complaint addresses info around XX/XX/year> or so. I tried to find out why such drastic measures and made contact with someone named XXXX and XXXX on chat and to NO AVAIL. It was difficult to get to them, This was on XX/XX/year> around XXXX pm, est. It is virtually impossible to get a live agent and if you do as has been true some years back, you still get nothing resolved. I have since paid out XXXX credit card and 90 % or more of the other. I plan to not make purchases on these cards as I feel Transunion, XXXX and that XXXX run the show by preventing paying customers from using them and will definitely decrease monies to these card companies when people like me stop card usage alltogether! Also, if you do not use the credit they hassel you and still deduct from your score to coerce you into obtaining these cards and credit and batter the good name and rating with nonsense like they have done me and so many other hardworking American citizens. This is a great injustice and I have figured most of it out but, some day they will be unveiled of these irrational and senseless tactics, calling it law. They have noone 's interest but theirs! As with XXXX XXXX and these other gimmicks to make you pay them! Thus keeping your scores low so if you purchase your interest rates would be astronomical among so many other factors! They can have the credit game and as many Americans find this out, your complaints addressing these problems will surely increase. 


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

In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I am writing to formally dispute a recent report submitted by Columbia Debt Recovery, which has adversely impacted my credit report. I was unaware of any outstanding debt until my lender informed me that Columbia Debt Recovery placed a collection for attorney fees totaling {$140.00} on XX/XX/XXXX. Columbia Debt Recovery then reported to all three credit agencies without having informed me of a debt collection. 

The original creditor for this alleged debt is XXXX at XXXX, where I held a lease for a two-bedroom apartment from XX/XX/XXXX to XX/XX/XXXX. During this period, I paid all rent, additional charges, utilities, and shared complex utilities on time, without any late payments. Upon vacating the apartment, I ensured it was left in a clean, undamaged, and its original state at the start of my tenancy. I have retained photo documentation of this condition. 

I was subsequently notified via the rent portal for excessive fees related to painting, carpets, and blinds that did not comply with XXXX  XXXX XXXX XXXX. I requested an itemized bill for these charges but received no further correspondence from XXXX at XXXX. 

Upon discovering the collection report by Columbia Debt Recovery, I made multiple attempts to obtain a detailed explanation and supporting evidence of this debt from both Core at XXXX and Columbia Debt Recovery. Unfortunately, I received no response, documentation, or proof to verify the legitimacy of this debt. 

Given the lack of evidence and the unresolved nature of this dispute, I request that the reported debt be removed from my credit report immediately. The entry is inaccurate and unsubstantiated. 

Please inform me of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card

XX/XX/XXXX, I opened a XXXX with Capital One. This card was marketed as a business card, not a personal one. Billing and payments were handled by the accounting department of my company. I discovered that my company made late payments for the card XX/XX/XXXX, and closed the account. Capital One then began to report the late payments on my personal credit report. I contacted them to ask them to remove this information because I did not have control of the payments directly. They refused to do this. It is my opinion that Capital One misrepresents this card as a business card, when as it turns out, they merely write the name of the business on the card, and do not report credit issues in the name of the business. This is a deceptive and fraudulent practice. I would like Capital One to remove this item from my personal credit report, and properly report it on the credit report of XXXX XXXX XXXX. I also think they should be made to cease the false marketing of this product so that others will not be taken advantage of and have their credit wrongly affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am so disappointed with my report, since I have been working with this incorrect information on my report for how many months now, I never received any response from my dispute. This account XXXX XXXX XXXX with the account number XXXX is reporting 100 % incorrect. This account is always paid on time and was never late it should not be reporting as negative on my credit report. This oversight is unacceptable, especially considering the detailed letters I have previously sent outlining the errors. It is disheartening to find that my concerns have not been addressed in a fair and timely manner. They are reporting late payment but I was never late paying for any of my account. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to provide the requested information and validation, I insist on the immediate correction or removal of these unverifiable information on my report.
Product: Checking or savings account

On XX/XX/2022, I transferred {$2500.00} from XXXX to PayPal using the PayPal phone app. On XX/XX/XXXX, I transferred {$250.00} from PayPal to XXXX using the PayPal phone app. On XX/XX/2022, I tried to transfer money from PayPal to XXXX using the PayPal phone app and it was denied. The PayPal phone app displays the message Theres nothing to transfer right now, but my PayPal shows a balance of {$2200.00}. Thats when I began contacting PayPal Assistant. PayPal has closed every communication with no resolution.
Product: Money transfer, virtual currency, or money service

Back on XX/XX/XXXX I sold my holdings with Blockchain.com for a total of {$600.00}. I went to withdraw the funds and have them deposited into my bank account and was unable to withdraw the funds because the system to deposit into the bank account was temporarily unavailable. I waited over a week and still it was unavailable. I contacted the company through their message system and was informed that the system to deposit money into the bank accounts was going through an upgrade and unavailable. I asked how long it would be unavailable and was told they did not have a time frame but I could withdraw my money via wire transfer. Today XX/XX/year> I went to my bank and had them assist me in filling out the wire transfer form and submitted it. Only to later receive a message from blockchain that the wire transfer failed and they were unable to complete my request. I attempted it again and again it failed. They are refusing to send me a physical check and now I can not even withdraw my money using the method they said I could use. I can not even talk to anyone because their representatives are never available.
Product: Credit reporting or other personal consumer reports

Hello. I had a loan with Prosper and recently paid the account off. I had a payment dated XX/XX/XXXX {$160.00} that was returned unfortunately I didnt know at the time the payment was returned from bank. Prosper Called me to make me aware the payment was returned XXXX and I recovered the payment {$160.00} on XX/XX/XXXX I spoke to representatives and supervisors to verify the payment will not report to credit bureau because I was under contract for a new home. The representative verified from her and supervisor it wouldnt report because I paid it in enough time before they actually report to credit bureau. I recent found out Prosper reported my XXXX pmt late. My credit score drop XXXX points and now Im no longer qualified for my home. I am currently homeless and living with family and friend with my 3 children. I tried to reach out for correction but they advice will not update even though I was told wrong info. Please help me