23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Company has incompetently handled my application for loan refinancing. After completing an appraisal on XXXX XXXX, I could not get an updated status on the my application as the appraisal was " pending submission '' from the contracted firm. Upon finding the information of the appraisal company in XXXX, I learned that the lender cancelled the appraisal without justification. I shared this information with my new loan processing officer who again continued with inadequate updates until I escalated daily calls with lender. We finally received our XXXX appraisal on XX/XX/XXXX. Of course, the firm made us resubmit new financial information and took out another hard credit inquiry because of the expiration of documents. The frustration continued again when our loan development halted again to re-certify the XXXX appraisal on XXXX XXXX. Today, on XXXX XXXX, we were scheduled to close, and I received a frantic call from the notary saying they could not proceed with the closing as XXXX had not submitted the paperwork. We started the refi process in XXXX, and 6 months later, we have still not closed. The mortgage loan officer information is below : XXXX XXXX Mortgage Loan Originator Office - ( XXXX ) XXXX Email - XXXX XXXX Mortgage Licensing System ID # - XXXX Conditional approval letter shows approval on XX/XX/XXXX. This is the longest loan I have ever seen process. 
I believe the firm is leading me on to collect more interest since the previous loan has a higher rate. This is predatory behavior and the firm has not given me resources to escalate.
Product: Credit reporting or other personal consumer reports

THERE WAS NO RESPONSE FROM THE COMPANY
Product: Vehicle loan or lease

Bought this vehicle from a buy here pay here within the XXXX  year the financing company had switched XXXX  times! I kept having trouble getting insurance on the vehicle I finally found out that the title is branded and no one will cover it! I spoke to the finance company US Auto Credit and the supervisor advised me to put just liability on the vehicle which I responded no thats against the law! We have reached out to them to give me a refund since I can not drive the vehicle and no one from the company is wanting to comply!
Product: Checking or savings account

An electronics funds transfer company called XXXX, has charged me {$200.00} after I tried to send {$20.00} to a friend XXXX. 

This company works by letting you put in the amount you wish to send and then hit button which sends the money. However this company does not ask you to 'verify ' or " are you sure '' this is what you want to send. As soon as you hit send the transfer is made and there is no way to see what you sent and no way to reverse or correct the charge once the screen says you sent something else. This is what has happened with my transaction but things get rocky from here. 

XXXX now only works with bank accounts because some banks will authorize a funds transfer without question, whereas a credit card company or other financial institutions will not. In my bank, truist, I only had about {$53.00} in the account, so my question to the bank is, why would you allow for over {$200.00} to be debited? I was told it is the decision of the bank manager or people in a particular branch as to whether or not they will allow such a debt. 

I called both XXXX  and truist within 20 mins of receiving a message that I had sent {$200.00}. XXXX 's response it to say that policy does not allow for mistakes on the part of the sender and once the money is sent there is nothing to be done- this is scam number one. Truist stated that after a week had passed they would begin an investigation to see what if anything could be done. 
I received a letter today, XXXX, from Truist letting me know that my money was gone because having contacted XXXX, they were told that I did indeed make the transfer and despite not having the money to cover this transaction they could help no further. 

A bank should not have the right to choose if they will debt your account without first checking to see if the money is available as they do in almost every other instance. XXXX probably has many complaints from customers that have made mistakes and find out there is no recourse. The bank has to be the responsible ones to deny any such request and protect their customers. If funds are not available and they then debt an account in any amount, the burden of the cost should fall upon the bank. 

I have used XXXX  for the past 2 years and I am very careful when sending money. It seems unlikely that instead of typing {$20.00} that I type {$200.00} instead and I certainly at no time verified that amount. I only hope that this can be resolved and that an easy fix to this kind of problem can be implemented by both the bank and any funds transfer company doing business with the public.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 5 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I AM THE ONE AND ONLY PERSON WHO WROTE THIS DISPUTE. PLEASE DO NOT RESPOND BACK SAYING ANYTHING OTHERWISE.. THANKS FOR YOUR TIME
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times about XXXX XXXX  XXXX XXXX. This is inquiry is on my credit report XXXX times and I have enclosed an identity theft report with this fraudulent inquiry on there and they still have not removed these inquires. This are the ones in question. XX/XX/2022 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. Again, I am enclosing the Identity report once again. 

This was Equifax response. Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Inquiry : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX XXXX XXXX XXXXXXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX XXXX XXXXXXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. NON REPORTING DISPUTES Inquiry : XXXX XXXXXXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You may also obtain a free copy of your credit report on XXXX. 

They said that these inquiries were removed but they were not.
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX, XXXX, XXXX, L, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

This account was closed in XXXX  during the pandemic and gyms were closed down. This gym has been notified and Im still receiving notifications about this false debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco did a unauthorized hard inquiry of my XXXX  and XXXX   credit report on XX/XX/2019 and another random unauthorized hard inquiry on XX/XX/2019. I want to dispute these hard inquiries and have them removed from my credit report and updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act this creditor has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I received a bill from Pinnacle Recovery in XX/XX/2018 for XXXX. The debt was from timeshare maintenance dues for XXXX XXXX  that I had not paid. When I received the bill, I logged into the account per the instructions on the Pinnacle bill. I set up a payment plan and the debt was paid in full within 3 months. At the end of XXXX I received a call ( about a day or so after the debt had been paid in full ) from a Pinnacle representative. He said that I still owed " around {$150.00} or {$160.00} something '' and that if I didn't pay right then over the phone, I would remain in collections. I asked to speak with a supervisor who sounded like the same person. He told me to pay it now over the phone and then hung up on me when I asked him to please explain why I still owed them money. I called XXXX to get help from them and the representative told me that Pinnacle had the account and until it was paid in full, they would not be able to get the account back. I have to work it out with them. I explained to the representative at XXXX that no one was able to tell me the exact amount I owed or why and she told me she was sorry, she was unable to help me. I received another bill from Pinnacle for {$130.00} on XX/XX/2018. I logged into the account and paid it in full that day. I received a call from Pinnacle right after it was paid. They did not leave a message but I recognized the number as I now have it saved in my phone. Every day since I have paid the debt in full I have attempted to log into my Pinnacle account to see if there is anything else I owe. Since XX/XX/2018 when I enter my account number it now says the account number is invalid. I received an email from Pinnacle on XX/XX/2018 stating that the account was paid in full. XXXX XXXX XX/XX/2018 ) I received another message from Pinnacle that they are attempting to collect a debt from me. I attempted to log into my account on the Pinnacle website to see if the account had been reopened with another amount and it still tells me the account is invalid. I imagine I will get another bill months later for some other amount. I refuse to pay over the phone because of the many scams out there and every representative I speak with gives me a different approximate amount. I am unable to get out of collections with this company because they keep asking me for more money every time I pay the bill in full. I am unable to pay anything to XXXX because Pinnacle holds the account. Please let me know how I can get this bill out of collections. My parents are also now getting harassing phone calls from Pinnacle. I am not even sure how they got their phone number.
Product: Debt collection

My wallet was stolen with five secured credit cards in it and unauthorized purchases were made on my cards totaling around {$650.00}. And a collection company that I didn't sign a contract with LVN has no legal authority to collect any debt from me and I am requesting for the false charges be removed from off of my credit report on all three bureaus immediately.
Product: Debt collection

Three issues exist against Caine & Weiner : 1. They recorded my telephone call on XX/XX/2020 and didn't give me any notice of any kind until I asked if the call was being recorded. This is a violation of Cal Penal Code 632. " CIPA. '' 2. I asked them to provide me with documentation between he original creditor and I and they failed to produce. They are attempting to collect on a debt not authorized by an original contract or permitted by law and in doing so are in violation of the FDCPA. 

3. There wasn't a mini-miranda given on the XX/XX/2020 telephone call stating " This is an attempt to collect on a debt and any information obtained will be used for that purpose. '' I am now represented by an attorney, but not lawsuits have been filed. Caine and Weiner need to contact my representative to discuss resolution to the violations. 

Please contact XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Burrow, This attatched is documentation of Experian possible fraudulent activity, please look and read below, thank you. 
The charges were not authorized by me. Experian claimed to increase my credit score by attaching my bank account to the app to show on time bill payments. I did this step and thought nothing of it. 

Today XX/XX/XXXX my husband noticed an Experian charge. I called multiple phone numbers found on the website, internet, and a number given to me by XXXX ( found associated with the charges ) and I could not get a live person or dispute my Experian charge or close my account. I was able to cancel my free membership. 

XXXX has blocked this vender from future withdrawals as well as disputed all 6 charges totaling $ XXXX do not know the outcome of the disputes yet. 

I can not get a live person to dispute this or shut my account down, on Experians end. 

Experian still has my checking account information and I fear that they will use another vender ID to continue to withdraw from my account. I have been unable to close my account as of today XX/XX/2020. 

I ask that the CFPW investigate this and I appreciate your time. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Checking or savings account

On ThursdayXX/XX/2019. I noticed that my personal checking account and the joint account I shared with my wife were both in the negative by approx. {$1800.00}. I called my wife and asked her to check her account and it too was in the negative by the same amount. I deduced that this was the Ma. DOR debiting what I owe from my account. Fair enough. On Friday XX/XX/2019 my paycheck for {$1000.00} ( Approx ) was deducted from the negative balance in my account leaving me with a negative {$770.00} balance. I figured they would deduct the remaining balance from my wife 's account and that would be that. Checking my wife 's account we discovered that they had taken the entire {$1800.00} from my wife 's bi-weekly paycheck leaving us with {$200.00} to our names. I assumed they would refund my check back into my account since they now had over {$1000.00} more than the DOR had ordered them to hold. As would be the case many times over the next few days I assumed they were an honest company, this is far from the truth. I went to the DOR  and spoke to the tax examiner assigned to my case who told me that if the amount I owed had been deducted from my account that the lien could be released and my funds returned to me. Bank of America has refused to return my funds. It has now been a week and I've had to jump through hoops to avoid anything from being deposited into my account for fear that they will simply steal it as they previously have. I am at a loss as to what to do, but their action is criminal in my book and should not go unpunished. If I ever get my funds back I will close any account I have with them and urge anyone I know not to use this criminal organization.
Product: Debt collection

I have seen this debt on my credit report for XXXX dollars. I mailed in a letter attached below asking for the debt to be validated. All I received was a paper stating the debt is valid and a XXXX papers with my name on it. No signature from me what so ever for 3 phone lines. None of the information I asked for was provided asking me to validate the debt. On the paper they sent me it says 0 minutes 0 texts and 0 data used on this mysterious phone account. Very confused and would like this  removed from my credit report. I know they can not provide the necessary information for this debt to be validated which is already proven in the letter I sent and, the information I received back. Please read letter sent in attachments, please help me get this issue resolved. Very quick to put something on your credit report but when they are wrong its almost impossible to take off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made complaint of inaccurate address reporting on Experian. I disputed the wrong address and got response today stating it's the right address how XXXX XXXX can this be my address when in fact it doesn't match my address on my ID. I have made multiple complaints of unauthorized inquires into my credit report and yet I dispute about two address incorrect but yet I don't get anything removed this XXXX XXXX Remove the following Report Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is a fraudulent address I have made to many complaints that I have never lived at this address and yet their refusing to remove this fraudulent address, I have already submitted my Drivers license and Experian still refuse to remove this address.
Product: Vehicle loan or lease

Porsche Financial on XX/XX/XXXX inaccurately reported that I was 30 days late. 
I made contact with customer care and established that according to their mobile app which I always use this was not so As per the app on XX/XX/XXXX my next payment of {$2300.00} was due on XX/XX/XXXX. This balance included a 1 day past due balance of {$1000.00} which was scheduled to be paid on XX/XX/XXXX. I paid {$1100.00} on XX/XX/XXXX. The remaining {$1300.00} automatically generated bill for the month was according to the app due on XX/XX/XXXX. 

I spoke to customer care and on a recorded line was also told that there were issues with the system for the past few months and similar complaints have been had. I provided screen shots ; all date and time stamped to show the inaccuracy of their reporting. This was reviewed by a supervisor who saw it fit to have the documentation sent to the credit bureau department to have the reporting corrected. 

To further add insult to injury ; After this mistake had caused my credit to plummet by 90 points, Porsche financial Services after receiving {$92.00} in excess of the due amount of {$1000.00} further reported inaccurately that I had owed a past due balance of {$57.00}. Which additionally dropped my credit by 60 points. 

To date these corrections have not been made even in light of evidence provided.. As a result my pristine credit has plummeted by 150 points not because of my negligence but due to a fundamental flaw in the system of Porsche financial services.. I have had a clean record with Porsche, have made it my duty to pay on time and on many occasions have paid more than the required amount ; Even in light of Covid-19. I  just need them to do the right thing. As a consumer who is striving to maintain my reputation with this institution I am not having a sense of an enhanced experience. It is too early in our relationship to experience such negativity ; Covid-19 has brought enough our way.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried to fix this with the bank and now for the second time they keep reporting wrong information to XXXX credit report. this mortgage went to foreclosed in XX/XX/XXXX and it was removed from my credit inXX/XX/XXXX. why is the bank still reporting this mortgage under my name. i went to puerto rico in XX/XX/XXXX and they were other people living in this house. this bank is a fraud and has a good reputation of doing dirty management like this. please help.
Product: Debt collection

In XXXX school year I borrowed XXXX. I paid off XXXX. A bank analyst and 2 schools inflated the amount to XXXX up to XXXX debt. Had no promissory notes, so DOE determined NOT collectible, XXXX and then reopened same paid notes and refused to reapply payments. They took payments off original notes and put them onto fraudulent ones that were dismissed. Took up to XXXX of my income XXXX. Put payments on the discharged fraud debt. Refuse to reapply and refund. Case was filed XXXX and is pending in Cir Court XXXX. DOE determined for collector not to collect on debt in dispute. DOE determined anyone whose income is below XXXX to pay XXXX. ECSI is charging me XXXX when my income is only XXXX or so. Prior ID theft caused credit report score to be XXXX. Collector collecting it any way again. Even though collector stated, no sanctions for non payment until XX/XX/XXXX or so, ECSI turned my name and this false debt into credit bureaus, after the same identical debt was in the credit bureau for 10 years before. Got credit score up to XXXX. Because I did not and was allowed to not pay XXXX beginning XX/XX/XXXX, credit score went down to XXXX. Claimed because I did not pay for a debt I do not owe, and that pending fraud charges. See proof
Product: Mortgage

I bought a house in XXXX, refinanced at {$320000.00} with Cardinal Financial in XXXX. Assessed value was {$340000.00}. Made improvements to the house that resulted in a higher value. Cardinal Financial sent out an appraiser on my cost. The appraisal came back at {$400000.00}. Cardinal Financial has in their eligibility criteria a minimum seasoning requirement that is waived if improvements are made resulting in a higher appraisal value. They are now refusing to waive the seasoning with the excuse " How do we know the improvements resulted in the higher appraisal? ''
Product: Debt collection

Jefferson Capital Systems , LLC has me listed as a debt owed for the amount of {$330.00} XXXX  XXXX  account # XXXX I asked for the original contract with XXXX  and my signature and the copy of the 1st certified letter they sent me stating I i have a debt
Product: Checking or savings account

Venmo will not let me transfer my money out of my account and when I ask why its frozen they will not give me any information.