23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I went to a Chase bank ATM to withdraw cash. The ATM was located inside the bank. I placed my card in the ATM and inserted my PIN. I selected the amount ( {$300.00} ) of my withdrawal and the account. After several minutes of the machine counting, I received a message to remove my card. The machine didn't dispense any cash nor did it dispense a receipt. I waited at the machine for several more minutes while it was still making the counting noise. An employee from the bank approached and ask if they could be of assistance. I explained the situation to her. I then re-attempted the transaction on the ATM and received a message stating the machine was unable to dispense cash. The employee said she would place the ATM out of service. I then went to the employee 's desk where she placed several phone calls. She instructed me that since Chase wasn't my bank I would need to file a dispute with my bank ( XXXX ), which I did. The employee gave me a the branch managers card and said she would notify her of the situation. She said if I or my bank had questions to call. After nearly XXXX weeks I received a notice from XXXX stating that my dispute was closed, and they had refused my dispute. I contacted them and asked for my dispute to be re-asserted and to send me the information that they used to make this decision. They sent me XXXX paragraphs of code describing the transaction but no evidence of cash being dispensed. There was no video from the bank or the ATM, or any information from the ATM just an electronic notification that a transaction had happened. I am still waiting to hear from XXXX. The {$300.00} charge has been applied to my account. {$300.00} withdrawl and {$3.00} ATM fee. The rep at Chase said she remembers the situation and would talk to my bank if needed. I eventually went to the teller at the bank and successfully received cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is not reporting correctly. I have made several attempts to remove negative items that I believe occurred due to identity theft. These items has lowered my credit score and has made it difficult for me to get approved for housing. I followed the processes of a trusted advisor to aide in fixing this issue, so far some items have been removed but a few still remain on Equifax. I am hoping that with your assistance, I can finally remove these items to reflect only the items that belong to me on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXX/XX/2023 I am reporting a fraudulent inquiry found in my credit report
Product: Payday loan, title loan, or personal loan

ACE Cash Express used XXXX tactics to gain money for a debt. They harassed us over the phone, they had a phony law firm call us and threaten us with legal action and thousands of dollars in legal fees if we did not take action immediately. They said they were XXXX XXXX XXXX  .... the only " XXXX XXXX XXXX  '' is a personal injury firm, irrelevant to collecting debts. They sent us fake documents stating that legal action will be taken if we don't email them the documents back signed. They only received {$200.00} from us before we caught on. In XX/XX/2014 there was a settlement against Ace cash express for this very same thing. Im here to inform you they are continuing their XXXX  tactics.
Product: Mortgage

Paid loan in full, {$190000.00} with guaranteed funds on XX/XX/20. This info is per their automated information system. Today is XX/XX/20. Escrow funds of nearly {$4000.00} have not been received which is violation of time frame they have to return funds. We were told " the check is in the mail '' when we questioned them on their violation of RESPA.
Product: Student loan

While attempting to finance my education at XXXX Schools I was told I would need a co-signer. I asked a friend to co-sign my private education loan. My friend agreed, when finalizing the financing I was informed the student loan would need to be in my co-signer 's name and not mine. I was assured that as soon as I finished the schooling, I would be able to transfer the student loan into my name. After completing the program, the financial institution refused to transfer to my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 amount claim I owe is {$1700.00}. 
I have filed cfpb and reported them to the XXXX.I have filed a identity fraud affidavit, still nothing in return. 
XXXX XXXX has responded and admitted this is fraud on my account.I have attached this letter. XXXX and Equifax are not removing this from my credit report.
Product: Mortgage

I had a mortgage with XXXXXXXX XXXX XXXXXXXX, Loan #  XXXX. 
XXXX sold the mortgage to LoanCare, Loan # XXXX as of XX/XX/XXXX. 
I never missed any payments. XXXX was always paid on time and LoanCare was always paid on time. 

The loan closing with XXXX in XX/XX/XXXX was a mess. They overpaid some of the credit cards and other required payments and I was required to bring several hundred dollars to the closing. When my Wife and I took this additional cash to closing, they were not there. They sent me to the wrong closing attorney in Downtown XXXX. They had to reschedule another attorney to come to my home. Plus that I was getting refund checks for months from all of the miscalculations on the closing statements. 

And there is more. The appraisal was totally wrong. They valued the first floor of the house as uninhabitable. This is just plain weird. The first floor as originally built, with central air/heat, with a full bathroom, with a fireplace was not counted in the total floor space. The appraisal included only one of the two bathrooms and two of the three bedrooms. This appraisal was so messed up that it will be the subject of another complaint. The only reason that it is discussed here is because I had to re-do this mortgage. My wife and I just put XXXX kids through college and we were working out of the 8 % charged by the Dept. of Ed. 

So here is the complaint. When I refinanced this mortgage there was a tax lien. Somewhere between XXXX and LoanCare, nobody paid the property tax for XXXX County. Both mortgage companies require escrow. I would not have know about this if not for the re-fi. My assumption was that the property taxes were paid from escrow. 

LoanCare did send me a check for {$1000.00} in XX/XX/XXXX. And I did n't put it together with the property tax that was due in XX/XX/XXXX for the approx amount of {$1500.00}, ( amt paid XX/XX/XXXX ) or the adjustment needed for the City tax of {$300.00}. So ... ..maybe I should have looked a little harder. But at the time I just though it was another screw-up. I was well conditioned to accept a low standard of service. 

So, I do n't know what this cost me. I have attached the closing statement from my new mortgage company, XXXX,, which shows the cost of settling the tax lien at {$1800.00}. I do n't know how this reconciles with the {$1000.00} returned to me in XX/XX/XXXX or the actual cost of the XX/XX/XXXX XXXX County property tax of approx. {$1500.00}. I believe that the {$300.00} of City tax was paid. And I do n't know what the cost is of having a lien on my credit report and what that costs for the APR on my new mortgage. 

But I do know that there were additional cash expenses for XXXX to clear this lien in able for me to close my new loan.
Product: Debt collection

I am deeply concerned by your continued disregard for my requests to rectify inaccuracies in my credit profile, which violates the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts, including this final request, you have failed to take action. Under the FCRA, you are obligated to investigate and correct inaccurate information promptly. Your persistent non-compliance leaves me no choice but to pursue legal action if this matter is not resolved immediately. 
XXXX XXXX XXXX  Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit card or prepaid card

Thanks current PayPal account it is impossible to find your deferred balance on their app even though thats how the purchase was made they send some information but not when the big interest is due its fraud Thanks in advance XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX DOBBERSTEIN LAW FIRM , LLC XXXXXXXX XXXX XXXX XXXX Wisconsin XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Wisconsin XXXX Pursuant of the Fair Debt Collection Practices Act under U.S.C. Section 1692a ( 6 ) the definition of a creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does NOT include any person to the extent that he receives an assignment or transfer of a debt on default solely for the purpose of facilitating collection of such debt for another. Therefore DOBBERSTEIN LAW FIRM  and XXXX XXXX has violated my right not only to privacy but as falsely acting as both a debt collection agency as well as an attorney law firm. Account number : XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed Negative accounts NOT included in Dispute : XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto loan was paid in full as of XXXX. It is now XXXX and the company is still reporting that my information is negative. I've been on the phone with them since XXXXpm eastern time and they keep saying their system is down and disconnecting the call. I already have a pdf form of the paid in full letter but I can't upload it online on XXXX because they don't accept password protected documents. I've been trying to dispute this for the longest and they won't even help me.
Product: Credit card

XXXXXXXX XXXX XXXX XXXX ( Comenity Capital Bank ) I received my credit card statement due on XX/XX/2024, with a balance of {$500.00}. I paid it in full ( {$500.00} ) and they received the payment on XX/XX/2024. I made no other purchases. I get another bill now in XXXX due XX/XX/2024, charging me interest of {$8.00}. 
I called them on the phone on XX/XX/2024 ( XXXX ) at XXXXXXXX XXXX. the woman told me that was interest on the {$500.00}. I explained that was not on my statement and they should not have charged me. I ask her how this is legal. She said I should have called someone if I was paying the total amount so I could get a pay off amount. I have never had to deal with something like this before. I feel they were hoping I thought my card was paid off so now they could get a late charge of {$41.00} also. I went to the XXXXXXXX XXXX XXXX XXXX at the XXXX XXXX on XX/XX/2024. I went to customer service, and they said they do not deal with any credit card problems. So I paid the {$8.00} in cash and got my receipt. I just wanted tom make sure they got this payment before they m could charge me a late charge. I will not longer use my XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to a job and this was the background check that came back. I was XXXX with XXXX XXXX that were later completely dropped. Howeve, they still show that I was not only XXXX with but XXXX  of. Which is totally completely WRONG! I was only charged with a XXXX XXXX XXXX charge. Not a XXXX  charge. Not a XXXX  charge. I was in the car with someone else that had these things. I was originally XXXX but the XXXX were dropped. Why is it not only stil showing I was XXXX  but also XXXX This is wrong. 100 percent wrong. Please fix this please. This happend XX/XX/XXXX. The disposition date was XX/XX/XXXX. XXXX XXXX clerks office definitely has a copy of this. Thank you and please make this right please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$480.00}
Product: Mortgage

We are attempting to sell our house but can not because Ocwen in unable to provide us an accurate payoff amount. Due to a prior loan modification, Ocwen and I have a profit sharing agreement if I sell the home for more than the baseline amount, modified by any capital improvements I have made since the modification. Receipts were sent to Ocwen on XX/XX/XXXX and XX/XX/XXXX concerning capital improvements. Ocwen acknowledged receiving them and promised to respond within 24 business hours per their email. It is now XX/XX/XXXX and both my wife and I have spoken to Ocwen multiple times with zero results. Anyone we talk to says they will look into it and get back to us but never does. At this point I expect to need to get legal representation because Ocwen is causing me financial harm as I can not sell my home due to them not following through on their contractual obligations. It is impossible to talk to anyone who knows anything about anything and my contract to purchase a new house is about to expire as I can not sell my home as agreed upon.
Product: Credit reporting or other personal consumer reports

Violations of : Permissible Purpose : 15 USC 1581b Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) Verification : 15 USC 1681i ( 7 ) Responsibilities of Furnishers : 15 USC 1681s-2 Trans Union has unlawfully and illegally reporting derogatory information on my credit report without proper authorization. I have repeatedly informed Trans Union that I was affected by ID Theft and my information was compromised. These is not credit transactions initiated by me. Additionally, I will be filing federal complaints against Trans Union for these unlawful practices because my consumer rights have been violated. I have not authorized them to report any information about me, and their actions violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for reporting such information. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter thoroughly and ensure that this derogatory information is removed from my credit report immediately. Trans Unions failure to adhere to these legal standards has significantly damaged my credit standing, and I expect immediate corrective action. Illegal accounts include are : Fraudulent Account/ Transaction/ XXXX XXXX XXXX Account XXXX XXXX Balance : $ XXXX : XXXX XXXX, XXXX  Fraudulent Account/ XXXX XXXX XXXX XXXX/ Account # XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX  This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested to provide verifiable proof of this debt and clarification of how these alleged unauthorized accounts were verified, I have not received anything. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. Again, I will be filing complaints at federal levels to address these violations and then seeking a lawyer. I have given Trans Union a fair opportunity to clear this up, however I am still being harassed.
Product: Debt collection

N accordance with the Fair Credit Reporting Act Credit Collection SERV XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I bought at home at XXXX XXXX XXXX in XXXX, MA in XXXX. We have sold it and must close on XX/XX/XXXX. The Buyer 's attorney found TWO mortgages of record that were never discharged from BEFORE our purchase. One was XXXX, recorded XXXX XXXX XXXX XXXX XXXX XXXX page XXXX. Mortgagors are XXXX XXXX and XXXX XXXX XXXX. Dated XX/XX/XXXX in the original amount of {$56000.00}. The second is XXXX in the amount of {$250000.00} dated XX/XX/XXXX and recorded at XXXX XXXX XXXX XXXX page XXXX. The Mortgagors are again XXXX and XXXX XXXX. 

Bank of America took over these banks according to the FDIC. My complaint is that I CAN NOT get a phone number to contact at Bank of America to get the mortgage discharged. EVERY customer service phone number goes the same way. The computer asks for your account number or SS #. If you have no account it demands your SS #. Then it directs me to my credit card balance and hangs up. I went to the only local open Bank of America on XXXX XXXX in XXXX, MA and told my problem to a mortgage officer there. I was given a number to call and assured it would work. " Just keep pushing XXXX if it asks you for information. '' I did as told..it kept asking for my account number, then hung up after telling me to call back after I had the account number. Their web sites are useless. I AM GOING TO LOOSE MY SALE!!! 
PLEASE HELP, there is no number that I can find to call. 

Under Massachusetts law they MUST provide a discharge when asked, but you can't ask them!!
Product: Credit card

Capital One never would take my payment out on time which would cause my payment to either be very late or not go through due to insufficient funds
Product: Credit card

Sears Mastercard issued by Citibank provided a special offer email for XXXX purchases at Gas Stations, Restaurants and Grocery Stores. I activated the offer on XX/XX/XXXX at XXXX and received a confirmation of the activation from them. This offer was spend XXXX XXXXXXXX {$1900.00} and receive 10,000 bonus points, spend {$2000.00} or more and receive XXXX Thank You Points. After spending over {$2000.00} from XX/XX/XXXX to XX/XX/XXXX I expected to receive these points. After reviewing my account since XX/XX/XXXX no points have been applied so I contacted them regarding this issue. They deny the offer was activated and indicated they don't see it in their system even though I have an email showing it was activated as they provided the confirmation. I have attempted to resolve this on 3 calls but they won't let me submit the proof email. They basically said too bad. I have activated and received several of these in the past with no issue. I was told they have issues with their Thank You Points system but there is nothing they can do. I wonder how many other card holders are being cheated out of points without realizing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you and bless you so much. The XXXX XXXX credit card company XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. Reported that my XXXX  card is 85 percent ratio usege.according to what I have up on the monitoring wall my balances should not be 85 percent high. I don't miss any payments on the card and I call in the payments every month. Because of this recent XX/XX/XXXX reporting to Experian my score dropped 5 points. I believe that I could have been wrongly singled out and that my good credit worthy trust by XXXX was not placed into any consideration. My last name is XXXX. I believe that this is unfair and can seriously damage my future lending journey since it even hurt my good credit score. I don't know what's going on. All I know is that I had filled A complant with you a couple weeks ago regarding this category. Please help me.i am hurt over this because I take my credit worthy Ness seriously. Bless you and thank you too. I am a moral responsible person and I do not miss payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX credit inquiry on my credit report with equifax that I have ask the company to remove several times as it is fraud. This company also drops my credit score for no reason everytime I complain about the issue. I am debating getting an attorney at this point as I myself am XXXX and having a hard time finding a new place to live do to this companies fraudulent and false reporting. I always pay the cards that I do have on time never missed a payment but this company continues to lower my credit score for no reason everytime I submitted a complaint. I would suggest the FBI look into this company because there is clear prejudice going on and they are creating hardship for me who is XXXX and well as my XXXX son. Please command this company to raise my score and remove this credit inquiry that should not be on my credit report
Product: Credit reporting or other personal consumer reports

They are using addresses from correctional facilities on my report. It's impossible to gain accounts while you are incarcerated unless due to identity theft.