23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Horrible experience! New American Funding caused us to lose XXXX in opportunity cost on a failed refi, and 4 months of heart-ache. Dont be fooled by advertised rates or promotions. RUN AWAY and use a local lender! 

We initiated a cash-out refinance in XX/XX/2019. We had a deadline of the end of XXXX because of new purchase that would be closing at that time. We communicated our situation to the loan officer (  XXXX XXXX ), and they said it would be no problem closing in time. Suffice to say, their incompetence delayed our refi closing. We even signed closing papers and then they never funded the loan! 

We have a log of over 20 phone calls ( hours and hours of wasted time ), several mistakes and outright lies. Half way through the process my loan was transferred to a manager ( XXXX XXXX ) because of all the issues we were having, but things didnt get better, they actually got worse! 

What they told me on the phone, never matched what they sent in writing. We nearly were not able to complete our new purchase, and we were never able to complete our cash out refi. New American is refusing to make it right, and now because of COVID, the lending market has changed, and I cant even find another lender to do the refi anymore! 

I called and complained to everyone in the company that I could get ahold of, including a customer service manager ( XXXX XXXX ), who said he would look into our case. Of course, he never got back to me. I am going to report them to the state governance board.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts is not belong to me or any transaction made by me. Please removed account which I did not open. 
lease investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently looked at my TransUnion report and per my findings I see some inquires that are not accurate. I called to get these removed and I was instructed to file a report with the FTC. Please see below of the inquires that are not accurate and need to be removed immediately. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX  are reporting outdated and unverified information on my credit reports. Investigation did not show proof of any existing debt that actually belongs to me.
Product: Mortgage

Hi, I have asked repeatedly for better mortgage to quit spamming me. I have blocked the initial individual ( XXXX XXXX ) so now they are emailing from a XXXX XXXX. 

Hopefully, this complaint will make them stop
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activities. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file an identity theft report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information and fraudulent items that were being posted to my reports. Here is the list of items that were opened without my permission : 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 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

On XXXX XXXX, 2023, I mailed a power of attorney to American Credit Acceptance , LLC and a letter expressing that I was the BENEFICIARY and or AGENT for the PRINCIPAL DEBTOR and I requested the CFO of American Credit Acceptance , LLC to transfer the credits from the Principal Balance to the Principal Account for Set Off on the Security Account being managed in Trust for the Principal Debtor and I was denied. American Credit Acceptance , LLC refuses my acceptance of the coupons and or bearer bonds and or presentments and or XXXX XXXX XXXX, denying my tender of payments and after numerous failed attempts to tender payment, I requested a payment investigation that I never received an answer for, so I also requested a Full Securitization Audit for my account, as well as the original contract and or Installment Loan and or Security Agreement between us with my wet ink signature, along with proof that my Original Promissory Note and or Security Agreement and or Installment Loan had not been securitized discharging all debt. Instead of American Credit Acceptance , LLC sending me the documents, they sent a letter stating that they deny my assertions yet never giving any rebuttal for my above demands. After this attempt, American Credit Acceptance , LLC hired a third party XXXX XXXX that I dont have a contract with, giving them my private source data information without my authority or the authority of the PRINCIPAL DEBTOR to repossess my vehicle against me asking them not to before I could receive information about my account for my accounting purposes in order to address payment issues. The repossession was a Breach of Peace because American Credit Acceptance , LLC, hired a third party repossession agency without giving me an Arbitration Order or Court Order and ( XXXX XXXX ) repossessed my vehicle after I asked the towing and or repossession employee not to take my vehicle because I had a public interest filed on the vehicle which is used for family and household purposes which will cause damages to my livelihood and the towing and or repossession employee hooked my car up to the tow truck and took my vehicle anyway and this took place at XXXX XXXX on XX/XX/2023 at my apartment in Illinois. I never surrendered my rights or interest in the vehicle, neither did I default in non payment because American Credit Acceptance , LLC has accepted multiple late payments for the Account in the past if that was the issue and I had a payment investigation in process before the repossession
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several student loans open with Dept. of Ed/XXXX. I am currently in school still. I've made several attempts to dispute inaccurate information on my credit report with the company itself and credit bureaus. They are reporting different information to each of the three bureaus, so nothing matches across the three bureaus. They are reporting late payments that don't even make sense. The account goes from good standing to all of a sudden 90 days past due within a 30 day period in XXXX of XXXX and as well as in XXXX of XXXX. They state they were trying to contact me to make payments but the phone number they had on file for me was a phone number from Texas and I have never lived in Texas or have been associated with anyone in Texas. I have proof of my credit reports they are reporting inaccurate information across all three bureaus and none of the information matches, however, every time I dispute the information it comes back verified. I'm unsure how the information could come back as verified when none of the information matches or equals up correctly.
Product: Money transfers

I have been talking to a man for over a month that I met through XXXX. He lives XXXX I live XXXX. He is businessman opening up XXXX. He had to take a trip XXXX to purchase merchandise for his grand opening. He was to stop back XXXX to meet up for the first time. On the last day of his trip, he was attacked by armed men and missed his flight. He was in desperate need of {$650.00} to rebook his flight home. In previous conversation, I had asked him about siblings and parents and he is an only child with XXXX parents deceased. He started calling at XXXX and finally got hold of me by XXXX. I stupidly agreed to send him {$300.00} to help him out. I have never been outside the US so I have no idea how any of this works. He had me send this money XXXX ( whom he said was a ticket agent there in the airport ). He also tried getting me to send him the additional {$350.00} XXXX, thankfully there was a hold up and I got my money back from that transaction. I have done further research on this person who claims to be XXXX ( i have texted, emailed and spoken to him on phone ) he has a cell phone XXXX ( claims he used to work there XXXX - the number is XXXX XXXX. He has also called me several times from the following international number - XXXX XXXX XXXX XXXX XXXX XXXX. The pictures he has portrayed as being him are found ( upon further searching on my part ) on a web site called XXXX XXXX as a scammer from XXXX possibly. He has a XXXX page as XXXX XXXX XXXX - with only XXXX friend, a female named XXXX I have tried messaging her to find more info, but she has not answered me back. On this XXXX website his picture is attached to XXXX website as XXXXXXXXXXXX He is emailing me from an XXXX on XXXX but wont answer my requests to snap a selfie and send to me and my daughter checked his email XXXXXXXXXXXX for I message but that app is suspiciously turned off.
Product: Payday loan, title loan, personal loan, or advance loan

I've received 2 statements from " SO Mosaic '' / " Mosaic '' dated XX/XX/2024 and XX/XX/2024 with a " XXXX XXXX  Balance '' of {$9600.00}, and a " Loan Balance '' of {$6700.00}. I don't have solar panels on my house, never have, and after this, never will. 

Their return address is a XXXX XXXX XXXX in XXXX, AZ, and a payment address in XXXX, AZ When I looked them up online, the address shows them in California. 

I contacted the company, and provided the loan number that was on the statement. I requested information about this loan, but they refused to give me any information unless I provided my SS # and DOB. When I asked for a supervisor, they also refused to transfer me, and then hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever Concern, On XX/XX/XXXX. The Original Creditor XXXX  added a collections account on my credit report per LVNV FUNDING LLC XXXX Upon further research, on XX/XX/XXXX When First Noticing the account. I asked the company LVNV FUNDING LLC in writing to verify this account. In which the account stated I owed a balance of XXXX dollars. XXXX are breaking multiple laws as they have sold this debt 3 times, and each time I XXXX XXXX Has disputed the inaccurate account, In results the account was not verified, and was removed immediately. After the 30 days, but the debt was SOLD TO LVNV FUNDING LLC, and the company put the debt back on my credit report. Im demanded for this account to be removed from my credit report, due to the fact the original creditor could not verify the collections account. XXXX  immediately sold the collections account to LVNV FUNDING LLC Without any acknowledgment LVNV FUNDING LLC is also reporting the inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or wet signature for the accused Debt in the amount of XXXX at all. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and Im requesting legal action to remove this COLLECTIONS ACCOUNT off my credit report. As I have no association with XXXX/XXXX  OR LVNV FUNDING LLC XXXX
Product: Credit card or prepaid card

I contacted Discover Card to determine how my payments are being applied to the different balances on my account ; due to differences in interest rates. 
I was told that the minimum payment amount is applied to the lowest interest rate balance first. Amounts above the minimum are applied to the highest interest rate balance. 
I intentionally increased my payment in XXXX to see if I could see evidence of the payment application. 
I recently compared my XXXX and XXXX statements and could not tell how my payment was applied. One balance transfer had expired and the interest rate increased.

I contacted the company for a detailed accounting of how my payment was applied. They would not provide this detail. They only told me that they apply the minimum due to the lowest rate and amount over minimum to the highest rate. 
Given the movement of a balance from a lower rate to a higher rate, I wanted to know at what point was the payment applied - before or after moving the balance. 
The company would not provide me with the detail I requested. 
As a consumer, I believe this is a deceptive practice.
Product: Credit card or prepaid card

Tried to redeem rewards from Barclay XXXX credit card via bank transfer to checking account. Got message " Ooops, that wasn't supposed to happen. Please try again. '' three times when pushing REDEEM button. On fourth try, got message about exceeding max numbers of transfers for a day. Can not get through to customer service as they are overwhelmed with problems due to XXXX credit card fiasco. We had been locked out of our card for 10 days until this morning when we finally could activate the card via automated activation on phone. All we want to do is to clear our rewards points, pay off owed balance and cancel card.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I assert firmly that it is unjust for me to shoulder responsibility for these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted all the required documents to have this account removed, and I am pleading with you to take action as soon as possible. This account is causing me XXXX  and affecting my ability to sleep.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : 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 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 person knows or has reasonable cause to believe that the information is inaccurate. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn
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 XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXXc. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 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: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Product: Credit card or prepaid card

At the outset of getting my credit card, the credit card company charged my credit card for two amounts. I did not know these charges would be applied. {$4300.00} was charged on my account without my consent of these two charges. One charge was made to XXXX XXXX and the other charge was made to XXXX XXXX. The effective date was XX/XX/2016 in which the two purchase were made. I do not feel that I owe this amount to this credit card company. The card company is Bank if America, N/A. Or XXXX.
Product: Money transfer, virtual currency, or money service

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. Some transfers were made through my wallet hosted by www.gemini.com. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX. Based upon the understanding that www.gemini.com is acting compliant and will provide the due care towards its own walletholders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for provision of information to Gemini. Unfortunately, as of the date of this complaint, www.gemini.com has provided neither me nor my legal representatives with the requested information even though we have sent several follow-ups. By ignoring my request, www.gemini.com failed to provide the required information about the XXXXs hosting the beneficiary wallets, where I have made a series of transactions to, www.gemini.com does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from www.gemini.com represents a clear example of the mistreatment of my consumer rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau still have inquiries on my report that do no belong to me. I sent in the documents that they asked me to send in. They told me the process would take 72 hours. This was 18 days ago. I called and I resent the required documents. They confirmed receiving them. They are still showing. I was told that the items would be removed after I sent them the required information. 
These need to be removed 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.
Product: Credit card or prepaid card

I first spoke to a representative of First Bank XXXX XXXX XXXX being applied to my credit card account because I was going on XXXX. I was given an email on XX/XX/XXXX by the rep to send out I sent it out that day and didnt hear back in two weeks so I called and sent it twice again another two weeks or so I didnt hear anything at all from this company who promised me on the phone thats all I had to do. So on XXXX XXXX I stepped foot in First Bank XXXX XXXX XXXX. The young woman that helped me was very helpful she double checked the system for my orders and didnt see anything so she proceeded to call and the person over the phone that she contacted told me that the following Tuesday I would be good to go. It is now XX/XX/XXXX and the only notification Ive been getting is added charges to my account. When I was on the phone with these reps Ive called several times I told them I would be able to pay my account down when I get on my orders. Instead this company completely disregarded my orders and me reaching out to them. I have attached pictures with stamped dates for when I received the email from the first phone call to my messages between the two last reps. Please help with youre assistance. Im already XXXX and Ive taken care of every business aspect of my life except this one because they constantly have me running around. I also attached the last payment I made this month you can see that they are STILL charging me late fees and the attachment from XXXX XXXX report of them closing my account out AFTER I sent in these orders and reached out to them several times! This is unethical practice and this company needs to be held accountable for their negligence. Thank you in advance.
Product: Credit reporting or other personal consumer reports

RE Account Numbers XXXX XXXX XXXX XXXX XXXX, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 
The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX, XXXX, and Trans Union immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Product: Credit reporting

Equifax is reporting inaccurate information about my mortgage, car, and other older claims that should be removed such as medical bills, etc. discharged in bankruptcy.