23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After dragging my mortgage process out for almost 45 days, TowneFirst Mortgage of XXXX VA pulled my loan on XX/XX/2021, less than 36 hours from my initial closing date of XX/XX/2021. I was never given a concrete answer as to why the loan was pulled, nor was I able to get a response from anyone within the company advising on same. 

I believe they have been mishandling VA loans as they did not follow procedures and regulations regarding multiple issues including length of income, suitability of partner generating income, and transparency of underwriting decisions.
Product: Checking or savings account

I reach to credit karma on XXXX about spending being locked they said there investigating will get back with though email no one has responded in its the 4 day I told them I have had no food in no way to pay my bills no gas so I can go to work they keep sending me the same email over in over again that their working on it and nothing yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has dropped significantly in the last 30 days and all accounts have been paid at 100 %. When contacting the company i.e Transunion & XXXX I received a statement simply stating my score is accurate. I monitor my credit consistently and see no negative information. There is no information noted as to the reason for such a decline in my score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

To whom it may concern. 

I have a loan for {$650.00} with BigPicture Loans taken out XX/XX/XXXX. I have paid a total of eight payments at {$130.00} twice a week, which has total to {$1000.00} as of XX/XX/XXXX almost double of what the loan was for. What I was n't aware of was the high interest rate charge 475.2292 % yearly rate. I did n't get this information until I received the loan. I understand I did received the loan and I have been paying it, but at a rate like that. I will end up paying them almost 3000.00 dollars for XXXX dollar loan. I feel I have been mislead and taken advantage of because of this rate. I call to get a payoff and got the run around and was told the balance was still XXXX after the XXXX of payments already paid the actually pay off date is XX/XX/XXXX. I ask for manager and was told someone will get back to me. This company is totally taking advantage of the consumers with these outrages rates and terms. I will contact a lawyer and fight this all the way, but BigPicture loans have been paid enough plus interest.I believe BigPicture Loans are not even license to do business in state of Georgia. I will be writing my councilman and the better business bureau.
Product: Debt collection

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account Name : XXXX XXXX Account Number : XXXX
Product: Mortgage

On or about XX/XX/XXXX of this year I received a phone call from an Amerisave Mortgage Corporation XXXX  XXXX XXXX XXXX  asking if I would be interested in a getting a home mortgage from their company. I happen to be searching for a home loan so there call was very timely. I disclosed to the agent my information including, current income status and source of income. credit information and access. I let the agent know that I am retired and on a fixed income. After checking my credit he let me know that I qualify for a FHA home loan. He also stated that I have to lock -in rate for the mortgage which would cost XXXX to lock in the rate at 4.5 % I did hesitate initially however I called back and agreed to the lock-rate and paid the XXXX The representative advise that they could give me a loan with a locked rate based on our conversation. He indicated I could purchase a home up to XXXX to my amazement since other companies had approved me for much less. I did question how their company could pre-approve for that amount and he stated that they are different because they don't spend any money on advertising. Anyway, I sent the agent copies of my income verification for both pension and social security. He checked my credit from the start and approved the above stated approval. He also provided a certified approval letter for the same amount up to with the loan amount of XXXX. However, once I found a house put down earnest monies the loan amount was changed three time and ended up being XXXX, no where near the certified approval. Nothing had changed my income was all verified before the approval letter was issued. They also had me bringing every bit of my access to the table and expected me and the sellers to simple accept we made a mistake with estimating your income. This is clearly a case of BAIT & SWITCH. Currently, my earnest money is in jeopardy along with the XXXX for the rate lock, the sellers has lost time and money keeping their home off of the market waiting for a closing to happen and trusting a certified pre-approval is a commitment from the mortgage company that the loan amount approved. Both seller and buyer agents have worked constantly trying to make some sense out of this mess. The mortgage companies response is only we made a mistake. After, conducting some on line research of this company I realized that in XXXX they were sued for the exact same practice. This is just unacceptable!
Product: Credit reporting or other personal consumer reports

I am not reliable for any transactions made by the accounts listed below nor have I ever done business with these companies. These were due to identity fraud/theft and legally must be removed per 15USSC 1681B. As shown on XXXX, Experian and XXXX has knowingly reported false and wrong information and it's ILLEGAL and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft and I have reached out to the listed companies and reporting agencies. All they did was claim to have notated it in their records. THere are several unknown account and over 30 inquiries that i did not authorize, please assist me in investigating this matter and helping me with these accounts that I did not open
Product: Mortgage

As a first time home buyer, i was so proud and happy to become one as many of my friends and family are. 
Everything started to go downhill when covid hit. it affected my income and i lost my job due to covid it drained out my savings account trying to pay my mortgage on time. 
as a result of at i got behing on my mortgage and then i started to have personal problems with my relationship and end up separating last year. 
on XXXX XXXX i received a letter for my mortgage company telling me that my house is going to be on a active foreclosure case if i dont pay the amount of {$11000.00} in 30 days. i will attached a copy of the letter. 
what im asking and praying is for a little bit of help on this huge issue that i have.
Product: Credit reporting or other personal consumer reports

The issue : When getting Equifax credit report from a XXXX  party, it shows : XXXX ) Incorrect previous address XXXX ) Missing multiple credit card accounts Equifax Credit report from XXXX website is different than the one provided by XXXX  parties. 

When it happens : When requesting XXXX XXXX report from third parties Equifax is showing missing multiple credit accounts and incorrect previous address. 

Third parties used : XXXX, XXXX XXXX bureau report, XXXX, XXXX. 

All the XXXX  parties shows incorrect Equifax credit history, while XXXX and XXXX shows my credit report without any issue. 

Notes : Confirmed with XXXX  parties that they do not change any information, and the information is provided directly from its source which in this case is Equifax. 

Several months ago Equifax merged my information from my ITIN to my SSN, and ever since the merge I have been experiencing this issues with XXXX  parties showing incorrect Equifax credit report. ( missing accounts and incorrect previous address ) I believe there is an extra report, or incorrect information that is creating this issue when pulling Equifax credit report from a XXXX  party. 

I have called Equifax consumer affairs department and explain the issue I am facing, but they are unable to open a ticket or fix the issue, and claim that this is a XXXX  party issue, again I confirm with XXXX  parties that the information they provide comes directly from its source ( EQUIFAX ). 

I will be attaching copy of the report from different sources. Please note even though there are multiple credit cards, I am still missing some and I have confirmed this. 


XXXX shows : XXXX open accounts XXXX parties shows : XXXX active accounts + incorrect previous address
Product: Debt collection

I have written and disputed incorrect information on my credit report that belongs to another individual. The company refuses to delete the incorrect information from my credit report even after receiving my personal verifying information that is different from the negative items they are reporting. They are refusing to pursue the correct individual and remove the information from my account even with verifying proof that my identity and the other individuals are totally different.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt. MIDLAND CREDIT MANAGEMENT has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$8200.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCPA
Product: Credit reporting or other personal consumer reports

I have 2 complaints up already. This is the third Ref : XXXX with a A loan verification letter attached Experian mailed me a response on XX/XX/2024 that the results did not change. this is their response that they say they are still working on On the website, the company ( XXXX ) verified paid in full on the XXXX of XXXX to Experian on the XXXX of XXXX, 1 day prior to them sending me a letter in the mail stating nothing has changed, info will remain ( balance ) of a ( debt that was paid off ) This company does not know which way is up nor what the other hand is doing, are are inept in their investigations. 

They changed the status same day they sent me a letter nothing has changed, and take zero responsibility for anything regarding facts even when presented to them
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Subject : **Cease and Desist of Communication Under 15 U.S.C . 1692c ( c ) ** Dear XXXX XXXX XXXX I am writing to formally request that you immediately cease and desist any further communication with me in regard to the debt referenced in your records.

Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop contacting me about this alleged debt. Specifically, I am requesting that you refrain from any further written, verbal, or any other form of communication, including phone calls, letters, and emails, unless it is for the purpose of notifying me that your collection efforts have ceased, or you are taking specific legal action. 

Please be advised that any further attempts to communicate with me in violation of this request will be considered harassment, and I will not hesitate to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or my states attorney general. 

I request that you confirm in writing that you have received and are complying with this cease and desist request within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing the plan against cash app ( Block , Inc . ) Due to inadequate customer service and unfair practices, Which violate the consumers financial protection act ( CFPA ). Specifically cash app failed to take timely ineffective measures To prevent and address fraud To 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 Under the electronic fund transfer act ( EFTA ) and resolution E. These actions have caused significant inconvenience and loss, and I see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXXccount Number : XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Someone at a XXXX XXXX store stole my information and opened an account fraudulently and for some reason applied and created all kinds of inquiries under my personal information
Product: Credit reporting or other personal consumer reports

On XX/XX/, I noticed the credit card company Grid never initiated a payment for my monthly credit card bill after I requested it to be drawn out. I've requested a total number of 6 requests and no money was ever taking out. I reached out to the credit card company on XX/XX/XXXX  and they told me to pay it another way in their system. On XX/XX/XXXX  I did that and I noticed the payment was voided on their end. So on XX/XX/XXXX  I noticed that my credit score decreased XXXX points because they sent late payment information to the credit bureau 's. Today I'm asking if this can be reversed due to a system problem with Grid.
Product: Credit card

On XXXX XXXX, 2015 I applied online for a Kohl 's Charge card and was accepted. I provided complete and truthful information and was approved. I have used the card for purchases and paid in accordance with the terms of the card. In fact, I have paid more than the minimum amount due and owing. 
On XXXX XXXX, XXXX Kohl 's sent a letter canceling the card, issued by Capital One, claiming they " observed activity ... not consistent with our expectations.. '' They have REFUSED to disclose the basis for the decision. I believe the basis is DISCRIMINATORY in nature and not supported by any facts or circumstances. I believe their decision violates the law and my rights as a consumer. CAPITAL ONE has been the subject of a prior complaint for issuing me a card through a different vendor and doing exactly the same thing although I adhered to the terms of my contract.
Product: Credit reporting or other personal consumer reports

I filed a complaint last year with XXXX and the issue remains unresolved. I had two loans serviced through them that were discharged and XXXX out, but the full balance and no change was made as promised by them on my credit report. I received a copy of the letter that was sent from them and the XXXX XXXX XXXX in XX/XX/2023 that confirmed the discharge/forgiveness of these loans in full. The document is password protected, so I had to use screenshots from it which I included as attachments for this case. In this letter, it was promised that these loans would be taken off of my credit report within 60-90 days of the letter being sent. It is now well beyond that timeframe and the loans remain on my credit report with the full balance intact. 

I have tried to contact them directly numerous times, and just the same as before, I can never get through to anyone via email or phone. I worked with a representative from XXXX previously in XX/XX/2023 when I filed my initial XXXX and CPFB complaints. She had also assured me that these loans would be taken off my credit report from XXXX by XX/XX/2023 at the latest, as that would mark the full 90 days from when the letter was sent to me initially. 

Additionally, I've also disputed through XXXX several times, with one being recently, and XXXX is still claiming that the information on my credit report is correct with the full balances. The balances on my XXXX online account are XXXX  out as well, so there is no reason why this same information shouldn't be reported accurately through the credit bureaus. It is THEIR responsibility to remove these and report accurate information and they are straight up LYING to the credit bureau and getting away with it. I will also be filing another complaint with the XXXX and attorney general to make sure this gets resolved. If it doesn't, I am more than happy to take Aidvantage to court for these illegal and shady business practices.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX ( XXXX ) XXXX The Company listed above reported to all 3 credit bureaus a derogatory mark on XXXX XXXX, 2017 about a medical debt that has been in dispute for 4 years. This Company never contacted about this debt either by phone or mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy chapter XXXX 10 years ago. I tried several times to dispute in writnging and with phone call to delete this on my report. I sole to new haven, CT Courthouse and they said they do not report to bureaus and yes it should be taken off all three of my reports. Equifax just updated my bankruptcy and said, it was updated and the Court never updates they told me. I would like this to be removed on my reports and I just feel your my last hope as I stressed myself out enough while trying for a long while to have this taken off my report. Any help would be appreciated. Thank yiu
Product: Debt collection

Capital One continues to report an account that I discharged in a Chapter XXXX bankruptcy XX/XX/2003 ( 13 years ago ). It is beyond the 7 year reporting allowed by the Fair Credit Reporting Act. The BK case number is XXXX XXXX XXXX District of California.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a written dispute regarding inaccuracies on my report. I am trying to purchase a home for me and my family and my credit has become very important to me. I received confirmation via certified mail that my dispute had been received on XX/XX/XXXX, however Equifax did not complete the investigation until XX/XX/XXXX. After receiving my results, some inaccuracies had been deleted, however some had been verified as accurate. The same accounts Equifax claim to have been verified, have been deleted by other credit reporting agencies due to failing to verify the accounts. I believe Equifax has been negligent in conducting a fair investigation of the erroneous items, so I requested method of verification used to validate the debts. Instead of providing me with the requested information l, Equifax initiated another investigation giving me a completing date out 30 days. This is a direct violation of my consumer rights. Per the FCRA the bureau has 15 days to provide the requested information.
Product: Debt collection

On XX/XX/2017, I submitted an email to the management of XXXX XXXX, XXXX XXXX, indicating that I, XXXX XXXX XXXX, intended to leave the apartment early if possible due to constant fire alarms ( 43 notices in 18 months lease ), which is 3 times a month. This made the apartment unusable. The management of XXXX XXXX, XXXX XXXX, acknowledged in an email dated XX/XX/2017, that my lease expired XX/XX/2017 and that should I leave early I would have to pay an early termination fee. I choose not to leave early and fulfill my original lease. This written email constitutes notice and intention to leave under VA XXXX, the RTLVA, Section 55-248.6.
Product: Debt collection

Consumer collection management IncXXXX located in XXXX XXXX XXXX has caused me to have to send in documentation for XXXXXXXX XXXX that had been previously paid. They contacted me in XXXX Regarding a hospitalization In XXXXXXXX XXXX XXXX XXXX XXXX releases these debts after I have already paid them so either XXXX XXXX XXXX in XXXX in XXXX XXXX Needs to get their billing account numbers and counter numbers straightened out because somehow this Debt Collection Agency gets some sort of notification that for some reason I did not pay when indeed I have and I have documentation to prove it
Product: Credit card or prepaid card

XXXX XXXX was initially serviced by Synchrony Bank, in XXXX XXXX I made a reservation with XXXX  of {$5900.00} at the time XXXX  charged {$2900.00}. In XXXX, XXXX  XXXX started to service account. In XX/XX/2022 the remainder was charged of {$2900.00}. On XX/XX/2022 the reservation was cancelled and XXXX issued refund for both charges to respective servicers. I received {$2900.00} refund to my XXXX account, however the {$2900.00} which Synchrony received I have not received. 
I have filled dispute with XXXX and have called both institutions countless times. 
XXXX sent confirmation that card issuer Synchrony received refund yet funds have not been sent to me. Both institutions have requested several waiting periods in the last XXXX  months. At this time I seek help in retreiving my funds from Synchrony bank of {$2900.00}.