23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

AmeriSave Mortgage Corporation deceived me into paying {$1000.00} in fees, falsely claimed to be diligently prosecuting my mortgage applications and misled me into incurring 4 months of unnecessarily large mortgage payments on one house and a continuing obligation to pay excessive mortgage amounts on a 2nd house. 

This process began in XX/XX/2020, as a result of my exploratory contact with AmeriSave Mortgage Corporation by telephone to learn about residential mortgage refinancing opportunities. My initial contact was to an individual name XXXX XXXX with whom I reviewed particulars of my 1st home to be refinanced. These particulars included the location, style and age of the house, its estimated value, the amount to be financed, and my income and credit rating among other details. 

I readily disclosed that my income is comprised of social security and investment income. From the beginning of our discussions, I was aware that I did not fit any typical profile and stressed that most of my income was derived from investmentsnot from salary, pension or annuity. 

On the strength of Mr. XXXX verbal representation that with my combined income and credit ratings there would be no problem, I paid AmeriSave Mortgage Corporation their {$500.00} application fee and started the process with respect to my XXXX  house. 

I also inquired about refinancing my 2nd home in XXXX, which Mr. XXXX could not mange due to state licensing, but which an associate of Mr. XXXX, a Mr. XXXX XXXX was recruited to handle. Since the facts were the same, I paid a second {$500.00} application fee to initiate a refinancing of my XXXX  second home. 

As of this writing, I have received no compensation or relief from Amerisave of any sort. 

I include a message from their loan originator to support these claims : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX To : XXXX XXXX, Escalated to my manager to see what the issue is. Feed back given to us was based on dividends that can be used as income for the past two years and even though my manager and I showed them, processing canceled us both out. 

With that said we will be issuing you your {$500.00} refund for this loan and have it cancelled out. I am sorry that we weren't able to complete this refinance for you and for the months work that you put into this. I would recommend reaching out to your other banker that is refinancing your XXXX  loan and let him know what is going on as I am sure the same will happen with that loan., as his manager is the one that can issue the refund for that loan. 
XXXX Warmest Regards, XXXX XXXX Loan Originator NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX KY XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
Product: Credit card or prepaid card

I have a store credit with XXXX XXXX XXXX which is thru Wells Fargo. If I would have known before applied wouldn't have done it. I am a going paying customer. My bill is due on the XXXXbof every month. I received a billed stating that I have a {$29.00} fee which I didn't understand. I called customer service and stayed my issue. Customer service representative stated yes I was a good paying customer and she couldn't help as well as her supervisor. I was told and quote " Go to the bank and ask them to take it off. I was shocked and it was documented on my call either written or recorded. The bank stated she knew better than to tell me that. I have decided once I pay off this bill with the furniture store I will probably get rid of this account. Wells Fargo doesn't work for me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX card ending in XXXX has the wrong balance.
Product: Mortgage

Had mortgage that sold and they wanted to refinance at lower rate, They never got around to the refinance and account was caught up, then it was sold again. My payments were not being pasted to my account but was put into an escrow account. My mortgage did not have an escrow account but they refuse to give me credit for my payments. They are trying to force us into refi at a much higher rate and keep increasing my payment .But they keep taking my money but not giving credit. THE NAME IS BAYVIEW LOAN, SERVICE, XXXX of XXXX, FL XXXX. PH XXXX. They do not answer the phone or written correspondence.
Product: Credit reporting or other personal consumer reports

While studying abroad my identity was compromised and used to open multiple lines of credit at multiple car dealerships and banks throughout the south and central Florida region. I have since contacted the credit furnishers and opened investigations with XXXX police departments regarding the identity theft. Aside of the accounts being fraudulently on my report I have also noticed some of the debts not only violate the FCRA but also the laws and guidelines of the IRS. Some of the debts are profit loss charge offs that I've never received a 1099c for and remain on my credit file at full balance after being compensated for losses by the irs
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Card Company has reported late payment history from the months of XXXX 2017, XXXX 2017,  XXXX 2017, XXXXr 2017, and XXXX 2017 on my credit reports which is inaccurate information and lowing my credit scores.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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

I'm 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 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

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX ( Original Creditor : XXXX  ) XXXX ACCT SERVICE ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was charged a late fee for paying off my credit card, using impart my cashback rewards. I was not informed that that was unacceptable by the credit card company until they charged me a late fee. It seems like a gotcha to me not making it clear that they would not except the cash back rewards to make the minimum payment due, I think this is rapacious behavior on their part using fine print to steal excess money from their clients. This was a Bank of America Visa card.
Product: Debt collection

Heights Finance Services is reporting both inaccurate and inconsistent, adverse information about me to the credit bureaus in direct violation of Federal law.
Product: Credit reporting or other personal consumer reports

A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report. These fraudulent accounts are XXXX XXXX XXXX Inquiries XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously sent a dispute by mail to equifax for identity theft on the following items and never heard back from equifax. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. In addition, I also disputed the following inquiries as I did not authorize anyone to run my credit and or identity theft : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX
Product: Credit reporting

I have a new address, and I have difficulty getting the credit bureaus to change it.
Product: Debt collection

The Fair Credit Reporting Act represents the culmination of the aspiration of the Western XXXX settlers of this country that it become the foundation of a world where money is the sole authority ( the purpose for which Democracy was resurrected, as XXXX colonists recognized through the religious turmoil at the root of the collapse of XXXX aristocracy the underlying need for Humanity to be thoroughly governed by self-interest as best embodied by money ) through the unlimited authority granted to creditors to extort consumers into paying fraudulent debts, by having the FCRA consist of private companies being granted unlimited access to the personal information of consumers without their consent or the authority to consider any proof from them that information in their credit files is intended to further fraudulence or even criminality, leaving hiring an attorney as their only recourse. As outlined in my CFPB Case ( # XXXX ) and XXXX Complaint ( https : XXXX ) regarding this issue, the merchant has elected to continue to exploit the unlimited leverage granted to creditors by the FCRA to extort consumers into paying fraudulent debts as means of doing its part to secure this country 's place as the foundation of a world where money is the sole authority -- even as the world continues to unravel because of the inability of those in positions of authority to forgo short-term profits to provide for the public welfare -- by relentlessly pandering to other merchants at the expense of consumers, thereby furthering the inevitable collapse of the world under the weight of its own corruption.
Product: Credit reporting or other personal consumer reports

see attached letter. I have also attached identity theft report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 


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

XXXX XXXX Possible Financial These companies have been disputed by all three major credit bureaus for reporting fraud on my credit profiles. I have both written and electronically asked for debt validation sources numerous times, including contracts with my photo ID and my signature as well as GPS location, and these companies have failed to provide requested documentation to me within 30 days of disputes. These accounts were fraudulently obtained without my consent or knowledge by my XXXX  ex-husband in an attempt to ruin my chances of success after having XXXX XXXX XXXX these items have negatively affected myself and my children from obtaining housing and transportation and I demand these items be deleted from all consumer agencies as well as all three major credit bureaus immediately and all further negative reporting has to cease. these companies have repeatedly violated my consumer rights and have broken many consumer laws.
Product: Mortgage

On XXXX XX/XX/XXXX received escrow analysis show short of {$4500.00}. That the new payment goes into effect on XXXX/XXXX/XXXX. Called talk to them about transfer to collections. Tried over for assistance. Not able to send forms to me. Called ask what increase told property insurance. Property insurance told that is was only XXXX increase. Called back ask to talk Supervisor. Supervisor XXXX told that she can spread out excess over 36 months not 12 months. Put today and see on next statement. Still starting on XX/XX/XXXX. 

XXXX statement was XXXX XXXX take out XXXX Called twice to get resolved. Was told nothing can do. Last time XXXX supervisor reach out to XXXX was told nothing can be done.
Product: Consumer Loan

On XXXX XXXX, 2016 at approximately XXXX, I went inside XXXX in XXXX Alabama with my XXXX year old daughter. I walked passed Western Finance who I have a loan with. While I was in the store, I saw a familiar face walking around the XXXX on her cell phone. I forgot something so I got out of check out line at XXXX. I saw that same woman looking at me but again, I thought nothing of it. I got back in line. As I was leaving the store, that lady left said something to another lady outside XXXX. Then she went into Western Finance. Next thing I knew, the lady she spoke to & STOPPED MY XXXX YEAR OLD DAUGHTER by HUGGING HER VERY HARD, SHE COULD N'T GET AWAY FROM HER GRIP as if she knew my daughter. I immediately recognized her as the MANAGER OF WESTERN FINANCE. She says to me ... .WHAT HAPPENED TO ME? I 'm like excuse me? Did you just follow me into XXXX XXXX? We 're you waiting on me? She says yes, I saw you walking by. She mentioned, she had been looking for me and she has called my mother, and she 's even been by my mama 's house. I said what, you 've BEEN BY MY MAMA 'S HOUSE? You went by mama 's house for XXXX not XXXX? She said yes ma'am to all the questions. She asked me if I still lived in XXXX. I told her she was harrassing me. In fact, she was stalking me by sending her employee in XXXX and then waiting on me outside the XXXX door, blocking my way on the sidewalk. She informed me that they are allowed to do that. If they see you. I said you all are allowed to harrass your clients outside another store? She said yes. I asked her for her card. I told her I 'd be filing a complaint. She told me to go ahead. Her name is XXXX XXXX, the manager at Western Finance. I do not and have not ever been physically stalked or harassed by any reputable company.
Product: Credit reporting or other personal consumer reports

Iam writing to formally request the removal of a charge-off listed on my credit report associated with account number I understand that this account was charged off due to non-payment ; however, I would like to discuss options for resolving this matter.1681 ( e ) ( b ) if they already written on they taxs it off why is it still there want it be inaccurate and technically want it be charged off one time also can a 1099 be in place and a write to delete off my credit report permanently never got one
Product: Vehicle loan or lease

My first few regular car payments to Toyota Financial Services were fine, no issues. Then I made a regular monthly payment ( XX/XX/2023 ) plus a separate payment toward principal, which was an option on their website/payment portal. No issues. The following month ( XX/XX/2023 ), I scheduled both a regular monthly payment and a principal payment only to discover a week later that the payments I scheduled in advance were not applied on the date I selected. I also noticed their payment portal had changed slightly from its initial look, with easy to use features. Now their payment portal is not as intuitive and the option to pay toward principal has been removed. According to the XXXX, many customers are complaining about the terrible service they are receiving by phone with many complaints about the same complaint I am making and the reason I've chosen not to contact them directly. My blood is already boiling. This is shoddy treatment of their customers, not to mention a malicious attempt to handicap customers who want to pay their loan off early. In addition, they are not transparent about how much extra interest I have to pay them for " missing my regular payment '' in XX/XX/2023, the scheduled payment they inexplicably wiped off or did not take. I have been a Toyota customer for XXXX years. The deceitful shenanigans Toyota Financial Services employs to get the maximum buck out of their customers is criminal.
Product: Debt collection

I do not know about or recognize this debt - I believe it to be false. My auto insurance is with XXXX and has been for quite some time. I would like CCS-USA to Cease and Desist all collection activity.
Product: Debt collection

We received a notice from Assured Collections saying we owed {$900.00} for a product on date of service XX/XX/2020 to a company called XXXX XXXX XXXX. I called XXXX but their number was disconnected. I sent an email to the collection agency but have not heard back. I called my insurance company XXXX to see if they ever received a bill from XXXX and they had not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed a remark that was on my equifax credit report in regards to my XXXX charge account. The remark was removed now upon checking my report again equifax has re-inserted the remark again and it caused my credit score to drop again. This remark does not belong on my credit report. I had cleared this issue up with XXXX department store months ago.i dont no why equifax put this remark back on my report. This is wrong information.
Product: Credit card

On XX/XX/XXXX, an installment loan was taken through Affirm.com to help cover the cost of an {$8200.00} furniture order from XXXX. Once that order was not delivered by the 30 day mark as guaranteed by XXXX, I followed up directly with the merchant. I was repeatedly told that the item was " in transit '' and there was nothing they could do. After another 2 months, on XX/XX/2023 I reached out to Affirm to help me resolve the issue and get my money back. I also reached out to XXXX ( who covered the other portion of the order. ) XXXX swiftly returned my funds and judged the order to be a fraud ( rightfully so. ) Affirm has repeatedly pushed back and is now saying I cancelled my own order, which I did not- I asked for either my furniture or my money back, neither of which was provided by XXXX. 

Affirm needs to make this right and protect my rights as a consumer under the CFPB.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.
Product: Credit card or prepaid card

I joined Capital One credit card program back in XX/XX/2019 with their 'Platinum ' card. After receiving numerous emails and physical mail saying I was preapproved for a 'Quicksilver ' credit card which offered a {$150.00} reward for spending {$500.00} in the first 3 months. Because I was preapproved, and knew I would reach the spending threshold due to the holidays, I signed up for the Quicksilver card through their website. This was creating a NEW card account, not transferring, so I do not see why I would not be eligible for the bonus. However, after time passed and I did not receive my reward I decide to try and call Capital One. They claimed I was ineligible for the offer, because I was an existing capital one member. This seems extremely misleading as I was on their email/mail distribution list BECAUSE I was an existing member and those offer all claimed I would receive the {$150.00} bonus. But now I am ineligible so I will not receive my reward and the trouble I went through to open a new card was fruitless. I would just like to be acknowledged that I met their spending requirements for the reward, so why should I be denied because I was an existing card holder - one that they specifically sent misleading offers to?