23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This complaint is about XXXX XXXX XXXX XXXX XXXX and Loancare. LLC ( the subservicer ). On XX/XX/2023, I received a call from a fake XXXX XXXX XXXXXXXX number asking me if I authorized someone not related to me to cash in a check. I said no and they informed me that they would be voiding the check as it was fraud. I asked who was trying to do this and they said they could not provide me with any information about that, but that it was being cashed in California. I immediately called XXXX XXXX XXXX XXXX XXXX to notify them that someone tried cashing in the check they sent me. They informed me that they could send me another check, but that they could not do that until 30 days from the date the check was issued, which was XX/XX/XXXX. I called back on XX/XX/XXXX and they confirmed that they were mailing me another check. On XX/XX/XXXX, after not receiving the second check, I called again. They told me that they did not send out a second check because the original check was cashed on XX/XX/XXXX. I was shocked and told them that this should not have happened, as I alerted them on XX/XX/XXXX about the fraud. I asked for a picture of the endorsed check and they sent me a picture with the endorsed part cut off. When I asked for another picture, they put me on a long hold and proceeded to send me a picture with someone else 's name on the endorsement section. I have contacted XXXX XXXX XXXX XXXX XXXX many times asking for the money they owe me for my escrow refund, but each time they give me conflicting stories. They even had a stranger 's phone number attached to my account : XXXX. They tell me they need to finish their investigation and then they will see if they can give me the money I am owed. XXXXLoancare owes me my escrow refund of {$4900.00} and it is clear to me that they never sent me a check and are giving me the run around. I am requesting that I receive the money I have been owed since XXXX immediately.
Product: Credit reporting or other personal consumer reports

XXXX and Transunion are refusing to report accurate information regarding my account with XXXX XXXX. The account is reporting a {$300.00} balance and the balance should be {$0.00}. I paid the balance on the account, yet the credit bureaus are refusing to report it, which is affecting my credit score. Also, Transunion is refusing to investigate my dispute. The letter from Transunion states that it appear that the dispute didn't come directly from me. According to the letter from Transunion, they won't process the request until it comes directly from me. My complaint was through the Consumer Financial Protection Bureau regarding the account with XXXX XXXX, yet the are still refusing to investigate. XXXX and Transunion are reporting the inaccurate/ misleading account with XXXX XXXX after I have provided proof to the Consumer Financial Protection Bureau , Transunion and XXXX, that XXXX has placed both accounts in collection. I've sent a copy of my drivers license and a bill in my name. There is no reason for the credit bureaus to believe that my disputes are from a third party. I've been disputing the same items consistently for more than 3 years now. These are the type of tactics that the credit bureaus have been using to violate my rights.
Product: Credit reporting or other personal consumer reports

XXXX refusing to correct personal information. My correct name is XXXX XXXX XXXXXXXX I sent proof of residency and Drivers license. XXXX is reporting my name as 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 is reporting incorrect names also. I have sent proof of identity to them as well. My employer and address are correct. 
Experian has incorrect name and address. 
Proof of personal information has been sent to each Bureau. I have sent proof of personal information more than three times to each Bureau. Can you please help me to get my personal information straightened with each Bureau. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months and this account still shows under investigation. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-day mark has come and gone without any response from their office. 
. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company as of today. Thank you
Product: Consumer Loan

Was going through a divorce in XX/XX/2012 and desperately needed cash to secure an attorney for custody of my daughter to prevent my wife from obtaining 100 % custody for no justified reason. Took a {$10000.00} loan from cash call and am paying over {$800.00} per month and balance is still reflecting close to {$1100.00} after paing ontime for over 2 years.
Product: Checking or savings account

I noticed last month that I had been charged a fee for awhile on my account. The account agreement I signed said that the account was free as long as I continued to direct deposit each month, twice a month. I have been doing that and I have had this account for many years and never had a problem. When I contacted the bank, they told me I was being charged the fee because I don't use their debit card and haven't been into a branch. I did NOT agree to this fee and have many transactions both in and out of the account every month. I told them a two days ago that I would be closing my account and not to charge me the fee again. The next day, I get charged the fee. This garbage fee should not be charged to my account and I am very angry.
Product: Mortgage

Truist is buying loans, requiring homeowners to open Truist accounts to pay their mortgage, and charge unnecessary late fees when a customer forgets to make a payment. This business practice will increase homeowners chances of missed payments and increase late fees assessed by Truist and is an unethical practice to increase their deposits and active accounts. 

I have used the companies Truist Assist chat bot as well as their 'Manage and pay ' tab ( https : //www.truist.com/mortgage/manage-your-mortgage? tru-tab-select=manage-pay*truisttab-XXXX ) and I end up in a never-ending loop of 'Set up recurring payments ' which prompts you to log in and then you are sent to the main Home Screen. Nowhere does it actually allow you to set up any sort of ACH recurring payment or autopay bank withdrawal with an external source through their website. 

Truist makes it unnecessarily difficult to set up autopay which could disproportionately affect lower income and/or tech-illiterate homeowners. The only way I see to allow autopay is through a mail in/fax form.
Product: Debt collection

AMA Recovery Group has placed an UCC lien on my XXXX  account. An action that has caused me, my family, and my business a great and extreme inconvenience. Inabling me from being able to handle daily activities, providing for my family, and also paying bills on time. Which in turn has created a great deal of damage to my consumer report. Keeping me from being able make business moves to provide so financial relief for family and business. A cease and desist letter and dispute letter was sent XX/XX/year>. A compliance letter was sent XX/XX/year>. Both requesting a written response within 15-30 day period that I never received. Instead AMA Recovery Group chose to violate my consumer rights by starting to contact me via multiple telephone calls. This has become very annoying and an inconvenience in my daily life. A final notice letter has been sent XX/XX/year>XXXX  demanding that they lift this lien on my account and cease all communication.
Product: Credit reporting or other personal consumer reports

I received a XXXX  of letters from XXXX dated XX/XX/2024 that did not address my recent inquiry and complaint adequately. 

Per the request of XXXX, I mailed a copy of my XXXX  driver 's license and a copy of a XXXX  bill from XXXX XXXX XXXX. However, XXXX failed to update my credit report and send me a copy by mail. 

I had a slight name change by removing my XXXX  names and not sure if that is causing some confusion which shouldn't be the case. I used to be known as XXXX XXXX XXXX XXXX and removed the XXXX  name and only go by XXXX XXXX XXXX has not updated my credit report and seem to be on a similar path as XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am an expat who have been living abroad since 2012. My credit score has dropped from excellent to poor in the last 6 months ( while I have been living in XXXX ) due to identity theft. Someone has gotten 2 XXXX cards under my name, which has become delinquent, and applied for multiple other loans / credit cards, which resulted in " hard '' credit inquiries with the 3 agencies. 

Seeing that I am living overseas, I tried to file disputes on the fraudulent accounts / inquiries and place a security freeze through the websites of XXXX, XXXX, and Experian, but I was unable to complete my request. The Experian site in particular keeps directing me to their PAID fraud protection services at {$19.00} / month. I suspect that these credit agencies deliberately make it difficult ( or almost impossible ) to place a freeze in order to promote their own products.
Product: Credit reporting or other personal consumer reports

Tonight, I found unauthorized inquiries on my credit report, which left me confused. I routinely check my credit report, but this time, I encountered discrepancies that seemed to appear out of nowhere. I tried refreshing my browser, thinking it might be an error, but the inquiries still appeared. Please review the documents I've submitted carefully so that I no longer have to worry about this.
Product: Money transfer, virtual currency, or money service

Good morning paypal, My account has place a limitation without any reason. 
XXXX. 
I never submit my ID, after i change my password the account was permanent limited. 
I dont understand what happend, it nothing wrong on my account. 

I will glad paypal help me to resolve this issue. 

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

I checked my credit report and saw that the accounts I have been disputing are still appearing on my report even if I already said that it's not mine and I already filed an FTC report for it. This is violating my rights and I wanted these Items removed from my report. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I submitted several disputes of items that were incorrect on my credit report. I do not believe a proper investigation was conducted since the incorrect items were not fixed.
Product: Credit card or prepaid card

I received without requesting it or participating to any Government program a US-Bank Relia Card.

Despite many tentative to contact the Service at the indicated phone number, none ever answer the phone, but the computerized voice message lead to a never ending hold. 

I did not apply for this and want my record deleted from the system as this is a fraudulent use of my name.
Product: Vehicle loan or lease

I was approved through United credit group. Was given my interest rate and payment. Did my trade and uploading all my XXXX documents. The XXXX was being purchased through Vroom and on the last day before the car pick up the agent with groom said I needed to call United credit group because they were now wanting me to put {$9000.00} down plus my XXXX XXXX XXXXXXXX. Waste of time and misleading advertising and my time. Now I have multiple inquires that has damaged my credit and no vehicle. Complete waste of time and a huge disappointment. I wont refer anyone to vroom or United credit group.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported a XXXX XXXX  acoount in collections ( my name ) but I have never had XXXX. I learned that Experian has various incorrect addresses and spellings of my last name however Experian does not allow that misinformation to be flagged on line. Instead it provides XXXX but that number does *not* lead to any person. Instead its voice prompts all redirect back to the web site or offer to sell monitoring. So exactly how can consumers clear up problems when the directions to fix are all fake? More importantly, what is CFPB doing in near real time to protect consumers in such an easy-to-police situation? Clearly Experian is not interested in cleaning up bad information, otherwise they would provide a phone number that leads to a real person. Furthermore, Experian has all kinds of phone numbers that XXXX reveals however are they really Experian or clever scams to get ss numbers from frustrated consumers trying to get through to Experian? Furthermore when calling the 'real ' Experian number on my cell which is listed in my credit score, they state they attempt to vett calls but then " please say your ss number '' so are they vetting, or merely creating a way for fraudsters to copy this automated screening and get ss numbers? Self serving and no oversight seem to be rampant in financial service and CFPB seems deaf, or impotent, to it all.
Product: Debt collection

I had a home improvement loan with Amerifirst. This loan was established in XXXX with XXXX and XXXX XXXX XXXX. The loan apparently was transfered to Amerifirst sometime after XXXX. I'm not exactly sure why or how but this is the company that I have made home improvement payments to. The original loan was between my husband ( now deceased ) and myself. I have made the payments the entire term of the loan agreement.. I am at the end of the debt and have made what I believe was the last principal payment which included interest. The XX/XX/XXXX statement reflected that the principal balance owed was {$160.00}. However the bill was for XXXX, which was my monthly payment. My principal balance owed was less than my monthly payment, but my monthly statement didn't reflect that. Once I made the payment in full, the statement reflected that I had a balance of {$2.00}. I attempted to make that payment and the Amerifirst online system would not accept anything less than {$25.00}. There are multiple issues going with my complaint. 1 ) My first problem is that I am disputing what Amerifirst claims that I owe over {$500.00} in service fees. 2 ) Secondly, Amerifirst hired another company to manage their online billing. The company did not provide statements or account balances until perhaps enough customers complained for months. 3 ) I was assessed a late fee of {$17.00} on XX/XX/XXXX after paying the principal balance in full on XX/XX/XXXX. 4 ) I received a call from a representative from Amerifirst and was told that the call was being recorded that if I did not pay the service/late fees this loan would be charged off as a bad debt. After paying off the debt in full. I have communicated in writing and over the phone with this company.
Product: Vehicle loan or lease

I got sick with XXXX XXXXXXXX and ended up in the hospital and almost XXXX So my XXXX and XXXX car payments were late. I got them caught up as soon as I was out of the hospital and better. I called Ally Financial 3 months ago asking them to please remove the late payment from my credit report. They said theyd put in a request but Ive never heard back and Ive called but nothing. I disputed with XXXX but Ally didnt do anything to help. Other then these 2 payments Ive not been late. I dont think a little compassion in the middle of a world wide pandemic is too much to ask especially since it almost cost me my life.
Product: Checking or savings account

I tried to deposit {$480.00} at the XXXX XXXX XXXX XXXX ATM using my Huntington Bank debit card. There was an error with the ATM machine and it didn't register my cash deposit or return my cash. I immediately contacted Huntington Bank and they said they would investigate. They did not credit my account the {$480.00} and it has been 56 days. I have not received any communication beyond the communication received about the initial investigation. I contacted Huntington Bank 2 more times and they said they were waiting on XXXX XXXX to send them a check. I contacted XXXX XXXX XXXX XXXX and they claimed to never have received a request from Huntington Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with EXETER FINANCE LLC to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. EXETER FINANCE LLC has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. EXETER FINANCE LLC has violated my consumer rights : -15 USC 1602 ( k ) : I was not informed on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction -15 USC 1601 ( a ) : Congress makes it clear that consumer credit would be strengthened by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. The decision I made in connection to this transaction was uninformed.

-15 USC 6802 ( b ) ( 1 ) ( B ) : I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX. Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). -15 USC 1681a ( d ) ( 2 ) ( i ) : the term consumer report does not include a report containing information solely as to transactions or experiences which means latel payments should not be furnished on my consumer report -15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. EXETER FINANCE LLC has caused harm by furnishing inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account.

-18 USC 1 conspiracy against my rights is affecting my ability to operate in commerce.
Product: Credit reporting or other personal consumer reports

I sent dispute letters to XXXX, XXXX, and TransUnion on XX/XX/2024 ; XX/XX/2024 ; XX/XX/2024 ; and XX/XX/2024. I received 1 response from TransUnion on XX/XX/2024.
Product: Debt collection

Over three years ago someone at or through XXXX Bank transferred money from my XXXX XXXX   charge card,,, I notified XXXX of this authorize transferee they did nothing to stop it and two other ones. I canceled their card and paid what I owe them. Now they are using Radius Global Solutions LLC aka XXXX XXXX XXXX to collect this illegally transferred money. They call daily event on the weekends and keep sending mail.
Product: Mortgage

My loan was assigned to Green Tree and they changed their name to Ditech. Since taking over my loan they state that I am late with my payments. Now they say I have not made payments. This loan is paid from my bank 's bill pay every month on time. I have proof from my bank. Ditech 's own statements they send me, even shows when I paid them, yet I am supposedly in arrears.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a part of and continues the matter of controversy under CFPB Complaint Nos.  XXXX and XXXX. Experians response is incomplete and insufficient as it fails to answer the threshold question : 1.  Whether their purported verification included validation of the fact that I had debt cancellation insurance coverage on the credit card accounts in question during the periods in question that, upon the filing and payment of my insurance claim resolved any alleged delinquency, retroactive to the date of the alleged delinquencies, and therefore there were no delinquencies upon said credit card accounts.
Product: Debt collection

Someone committed fraud and stole my identity, they had a bank account under my name called Citizens bank which I was unaware until I looked at my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$680.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.
Product: Checking or savings account

What I wrote to chase : I am writing regarding a cash deposit I made on XX/XX/year> between XXXXXXXX XXXX and XXXXXXXX XXXX in the amount of {$2000.00} at your Chase Bank branch located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The deposit was made using the ATM located within the XXXX doors of the front entrance, to the right side. I have been informed that your investigative team can not locate the transaction
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must eliminate any incorrect accounts from my credit report. Can you verify the documents? Some listed accounts have inaccuracies in their reporting, such as incorrect amounts and dates.
Product: Checking or savings account

Filing a complaint to the CFBP regarding XXXX XXXX  failure to deposit my direct deposit from my employer for two days now. XXXX XXXX has cited technical issues which violates the electronic funds transfer act as it requires timely access to my funds. This raises concerns as I only found out on social media and did not receive an official email from XXXX XXXX until last night. This is a consumer protection concern and I would request your assistance to investigating this matter to ensure my rights are upheld. Thank you!