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

I have reported a fraudulent charge on my credit reports from XXXX, Experien, and XXXX. These companies have refused to look at the documentation that shows this was a fraudulent charge by a XXXX XXXX employee. That charge continues to show on my credit report reducing my credit score. What is going on here that people will not acknowledge the evidence?
Product: Debt collection

Frost-Arnett Company , are debt collectors attempting to collect a medical debt {$640.00} ( or any variations ) on behalf XXXX XXXX XXXX XXXX XXXX I have not received any services from Frost-Arnett Company , I am not a party to their agreement XXXX XXXX XXXX XXXX XXXX I have not agreed to pay/ tender anything to Frost-Arnett Company , I have not provided any releases of my medical information to Frost-Arnett Company, and I have no idea how Frost-Arnett Company obtained my private medical information .

Frost-Arnett Company , violated my H.I.P.P.A. rights and are attempting to collect on an alleged debt that does not belong to me. This alleged debt was SOLD/TRANSFERRED to Frost-Arnett Company XXXX 
Frost-Arnett Company failed to provide the accounting in accordance with G.A.A.P. Frost-Arnett Company failed to furnish a copy of the formal purchase agreement, and state the purchase amount for the alleged debt. Frost-Arnett Company failed to Furnish the name, address, and telephone number of the authorized representative that purchased this alleged debt. 
As per the XXXX XXXX XXXX XXXX  Frost-Arnett Company continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods.
Product: Mortgage

I received a loan estimate to refinance my mortgage in XX/XX/year> and received a revised loan estimate today, XX/XX/year>. The loan processor said the XXXX estimate had errors. The XXXX estimate has a monthly payment increase ( she says they left off amounts that she said should have been included ), increased closing cost and less cash out to me, even though the house appraised for more than what was listed on the XXXX estimate. I feel like this is deceptive, and now they are switching things around. I have not closed. 

Estimated monthly payment {$1900.00} XXXX estimate vs. {$2400.00} XXXX estimate. Estimated closing costs {$12000.00} XXXX estimate vs {$18000.00} XXXX estimate Estimated cash to close ( to borrower ) {$89000.00} XXXX estimate vs. {$75000.00} XXXX estimate. Prepaid {$660.00} XXXX estimate vs. {$4700.00} XXXX estimate Initial escrow payment at closing {$0.00} XXXX estimate vs. {$1700.00} XXXX estimate. 

Again, I feel like all the amounts I relied and signed off on to proceed with the loan were all wrong and to my detriment. This is deceptive to get me to proceed with the loan.
Product: Mortgage

I have been approved to the section 8 homeowners program. The problem Im having is due to my XXXX, I get social security payments with a representative. I have been on section 8 for over 10 years and have always paid my bills on time. My income is used toward the amount of my rent payments. Now that Im in the process of purchasing a home, that is no longer my income. I dont understand why one agency uses disability payments as income and another says its not. I feel that is being used against me because of my XXXX, which is the requirement.
Product: Mortgage

An escrow refund check was issued to me on XXXX and sent to an old address. I did not receive that check in a timely manner. Once I received the refund check, it was void because it had been more than 90 days since it was issued. I called Dovenmuehle mortgage on XX/XX/2021 to let them know that I needed the check reissued. They took down the information, including the correct mailing address and told me that a request for the check to be reissued was submitted and that it would take 30 days to receive. On XX/XX/2021 I called back letting them know I hadn't received the reissued check. They said the check was still in process and it could take 30-60 days total and to keep waiting. I called back on XX/XX/2021 to inquire about the check and was told that it still hadn't been reissued and that the manager would escalate the issue, email the escrow department directly and get back to me within 5 days. This did not happen. I called again on XX/XX/2021 and continue to receive conflicting or incomplete information regarding the funds owed to me. The latest I'm being told by them is that the funds have been sent to the state as unclaimed property. I've contacted the state controllers office and confirmed with them that is not the case and they do no have any unclaimed funds in my name. Dovenmuehle mortgage company is unable to provide me proof of delivery to the state as required by law and continues to give me the runaround. I've invested a lot of time and energy in an attempt to be paid the money owed to me and they are now either unwilling or unable to provide that service of locating and returning that money to me and keep referring me to the state. The state again has confirmed that the legal process would be for the company to hold the property for 3 years in an attempt to contact me for delivery before sending it to the state.
Product: Checking or savings account

" The company CONST LLC also known as MyConstant and XXXX has suddenly shut down with no explanation to investors. 

CONST LLC ( MyConstant ) is a platform that operates like a HELOC loan for peer to peer lenders to connect with cryptocurrency portfolio holders. Cryptocurrency holders are able to receive a USD cash loan by placing cryptocurrency as collateral for their loan. The loan is funded by a pool of money from USD cash investors. 

CONST LLC ( MyConstant ) portrayed to investors that their platform was unique because the collateral from borrowers would autosell in the cryptomarket if prices fell bellow 110 % of loan value. Automatically refunding USD to investors and any remaining collateral to the borrower. They touted {$0.00} loss on their platform since inception because of their collateral backed, XXXX approach. 

On XX/XX/XXXX the company went dark. They informed all website users ( XXXX ) that they couldn't operate business as normal and would communicate a solution in 10 days. However, they immediately deleted and scrubbed all social media and methods of customer service contact. They changed their address on their website from XXXX CA to XXXX XXXX XXXX XXXX, XXXX, DE XXXX, USA on XX/XX/XXXX. 
I personally have a large part of my retirement money invested their company. LLC business license number. California # XXXX XXXX  XXXX : XXXX Please help. I would like to get my money back. 

XXXX XXXX
Product: Student loan

I had my student loan set up as auto pay and within the last 3 months started receiving daily phone calls from Navient that my student loan payment was 1 year past due. The person who I spoke with said that they had allocated the wrong amount of the payment to the XXXX separate loans. They told me that I owed {$360.00} and then the next customer rep told me that I owe {$570.00}. He told me on XX/XX/2017 that there is XXXX loan that is 60 days past due and I needed to pay that now ( {$130.00} ) so it does not affect my credit so I did and then he told me that XXXX of the loans are now 30 days past due and I will have to pay them on Monday XX/XX/2017. I 'm still receiving numerous calls from them at all hours. I just received a call at XXXX and they call me on Sundays. I logged on to my Navient account on- line and it indicates that I only owe {$330.00} for all the loans. I am not getting any correct information and I am very confused as what is happening. Could you please assist me with this matter. 
XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am a current Coinbase.com customer. I recently traveled to XXXX on vacation and logged into my account on my cell phone because bitcoin was on the rise and I wanted to check my balance. Unbeknownst to me, XXXX blocked/locked my account and reversed 2 of my transactions ( which I have still not received the funds for yet. ) I have reached out more than a dozen times to their customer support, to no avail. I am frustrated because I just want someone to help me unblock my account. ASAP.
Product: Credit reporting or other personal consumer reports

I would like these inquires to be remove so my credit report can report accurately INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Information reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, DOB XX/XX/XXXX and last four of social security number XXXX. On XX/XX/XXXX I contacted company " XXXX XXXX '' to purchase a vehicle. I wanted to see if I would pre-approve for a car loan with one of their creditors, same way I pre-approved with my bank and employer XXXX through their " XXXX XXXX  '', an app which sees if you pre-qualify without affecting your credit nor pulling a hard inquiry. However, I ended up going with my credit union XXXX XXXX XXXX XXXX because they provided the best rate and lowest interest rate. It was not until I received notification alerts to my email via XXXX and XXXX XXXX that I learned that instead of pre-approvals or soft credit inquiries I received hard inquiries. Subsequently, I reached out to the banks that performed the hard inquiry to request that they remove or convert to a soft inquiry because I did not authorize or consent to a hard inquiry and they stated that I would need to send a letter from XXXX XXXX as well as a letter from myself requesting that the hard inquiries be removed. I sent out both letters first class certified mail to the banks, credit unions and credit bureaus on XX/XX/XXXX and XX/XX/XXXX and I'm being met with opposition. XXXX 's XXXX XXXX XXXX XXXX in particular sent me back a nasty letter, stating that my letter implied " erroneously '' obtaining my credit report, although I sent them a letter from XXXX XXXX. If that's the tone of their letters to potential clients I can't imagine their actual customers, disgusting. XXXX XXXX XXXX XXXX also sent me a letter and stated that I claimed I was a victim of identity theft of fraud, which I never claimed to them, nor have I ever claimed in regards to these inquiries. XXXX aka XXXX is dragging their feet and not offering any update or response ever since I sent them information. On the letter from XXXX XXXX it lists all the banks/credit unions that performed a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my spouse, under her name only, on XX/XX/XXXX is being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my spouse, XXXX XXXX. I did not co-sign this auto lease. I was simply used as a reference by my spouse. It is NOT a joint account. XXXX XXXX XXXX is fraudulently reporting this account under my name. According to my spouse, XXXX XXXX ( XXXX ), the auto lease is incorrectly being reported as a joint account and should be reported as my spouse being the only individual responsible for this account. Please immediately remove it from my credit report/file. Thank you. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio recovery called my phone 18 times between XXXX XXXX and XXXX XXXX on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of a Data Breach and Identity Theft. Please block and delete the following accounts within XXXX business days under the Fair Credit Reporting Act Section XXXX, XXXX XXXX XXXX. Please block and delete the following accounts : 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 Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date 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 Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry DatXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX reported me dead.. While after 10 days they have corrected their mistake I can not get verification from them for another 10 days so I can not open a credit card, rent a car as I have no credit card they have me stopped at every turn. The worst part is no one at XXXX XXXX XXXX can or will do anything to help. I simply asked for a letter from them emailed or faxed to me saying they made a mistake so I can open a credit card account.. That will take 10 days to go through their system and Equifax has 30 to 60 days to correct their report. This is unacceptable since they made the mistake they should be able to correct it immediately. XXXX XXXX XXXX customer service is awful. Hope I survive long enough to see this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off all balances on my credit cards first week of XXXX. Now it's XX/XX/XXXX and some of the balances are still showing on my reports. I've contacted both the Credit reporting agencies, submitted disputes and still nothing.
Product: Credit card or prepaid card

I have had a zero percent " Care Credit '' card owned by Synchrony Bank for several years that I've used to pay for dental care. I've always paid my monthly bills and have never had any problems with this card or bank. Today I received a new " Care Credit '' card in the mail. Assuming that I just needed to activate it, I did so. When I went to cut up the old card, I noticed that the expiration date XX/XX/22.  I called Synchrony customer service and was informed that I had just activated an actual Master Card that is owned by Synchrony Bank and that while I could still use it to pay for dental care services with providers that accepted Care Credit with the same conditions of zero percent credit if paid monthly over 12 months, that I now also had a Mastercard which had other benefits but at interest rates as describe in the terms and conditions. 

I said that it wasn't clear that I was activating a totally different account, that the there was no information provided stating that I was not opening a brand new Mastercard credit card when I accessed the automated system to activate, and there was no information provided on the automated system stating that there would be no impact to my credit rating/credit report once I activated the card. I actually had to speak to several customer service agents to finally find out that since this was just an " upgrade '' to my existing account ( that too was not mentioned in the automated activation prompts ) that there would be no impact on my credit rating as a result of the upgrade. 

I then asked if I could terminate the Mastercard version of my Care Credit and was told that that was not possible to revert to the original account and if I closed the Mastercard upgrade, I'd be closing the entire account. I do have a email into Synchrony corporate but was told I'd have to wait 10-14 days for a response. 

This seems like deceptive advertising, not fully informing consumer that they are not just activating a new card for the same account but instead upgrading to a totally new credit card. Even their terms and conditions mentions nothing about these upgrade nuances or about the fact that the customer 's credit rating would not be impacted. It seems like Synchrony needs to let customers know in the actual activation prompts that the customer is activating a totally new upgraded account and that this will have no impact on their credit rating. 

One additional item - the activation prompts DO ask the customer if they want to increase their credit limit and then ask for income information. This seems totally inappropriate to be asking customers, especially those who may be elderly and inclined to share information without knowing what they are doing. Instead, increasing the credit limit should be more totally informed process whereby a live Synchrony agent discusses any income information. 

Thank you for representing consumer rights! 

and that told that since I activated the new " Care Credit Master Card '', I could not reverse the activation and terminate the new account
Product: Credit reporting or other personal consumer reports

I am writing to formally complain against Experian regarding inaccuracies in my personal information and addresses in your records. 
Personal Information : My legal Name is : XXXX XXXX XXXX XXXX My Address is : XXXX XXXX XXXX, XXXX XXXX, IL XXXX My Date of Birth : XX/XX/year> My last 4 Digits of My Social Security Number : XXXX My Employment : XXXX XXXX I have noticed that your records contain multiple names and addresses associated with my profile. This is not only confusing but can also adversely affect my ability to obtain credit and harms my credit reputation. I request that you correct and update my personal information to reflect only one name and one address, and remove any names or addresses tied to credit companies that are incorrect or should not be associated with me.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to maintain the accuracy of information in my credit report and to request the correction of inaccuracies.

Additional Documentation : I have attached copies of documents that support my identity and residence. 
Thank you for your attention to this matter, and I look forward to your prompt response. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

It is believed that Bridgecrest/ XXXX has used deceptive practices to give the impression that they loaned money for my vehicle. After researching their prospectus listed on the Security Exchange Commission, they state that they are only servicers of contracts. Further research on the NMLS and the Department of Finacial Protection sites, Bridgecrest is listed as a debt collector. It only has a license to collect debt in the state of California, there is no mention of a license to lend money to consumers. I have uploaded the attached request for debt validation and am requesting that the CFO provide the information as requested within my letter within the timeframe provided.
Product: Credit card

On XX/XX/2023 I made a purchase on my Truist XXXX of {$11000.00} On XX/XX/XXXX, I paid the credit card balance off. The vender I made the purchase with was unable to furnish the products, so on XX/XX/2023 they credited my card back the {$11000.00}. Now I have a credit of this amount on my credit card. I went online and made a same bank transfer from my credit card to my money market account. After viewing my statement I noticed Truist Bank charged me a {$450.00} cash advanced fee. This was my money, nothing popped up to notified me this was a cash advanced with a fee attached. I have tried for XXXX weeks to resolve this issue and was told they ( they being XXXX different Truist representatives ) understood and would work on getting my account credited. Yesterday I received a call and was told the {$450.00} will not be refunded and that was final. I was told the computer can't distinguish between a credit balance and a cash advance. I had in excess of XXXX in my money market account, and XXXX in my checking account all in the same bank, why would I have needed a cash advance. Truist claims the only way to remove such a credit was to come into a bank and fill out the paperwork. I question why was I able to make this transfer without a notification of a fee being charged. Again this was my money.
Product: Checking or savings account

I have previously attempted on a number of occasions to present my concerns to the CFPB for their own investigation and not the company involved that has violated their customer contract with me. Attached is a copy of my previous complaint below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying remove this charge off of my credit report. This is not accurate and needs to be deleted off my account. The creditors are not doing their job and this is hurting my score and Im trying to start a business and get a home. So please help me out. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
Product: Payday loan

I pay my loan back in 2012 I pay my the amount of XXXX, but they are continue putting late fees on my credit account which does n't make sense because I paid that account back in 2012 and it should be close. it was be close by me and he was close by the lender. I have proven that I pay that amount the full amount that they were asking me to pay.