23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

We made an electronic transfer of {$2800.00} from our Credit Union XXXX XXXX XXXX to XXXX XXXX XXXX. to XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX on XXXX/XXXX/XXXX. However, no such person is at this address, or even exists as far as we can ascertain. Since no such person exists, we should receive a refund of this amount. Capital One agrees that this was a faulty account, and thus refunded us the amount left in the account, which was {$6.00}, on XXXX/XXXX/XXXX. We would like the remainder of {$2800.00} refunded since the person we wired money to does not exist. This involved a fraudulent lease, which has been reported to the XXXX XXXX, MD police ( report number XXXX on XXXX XXXX, XXXX ), but our complaint here is with Capital One, since we wired money to this supposed XXXX XXXX, who does not exist. The XXXX did nothing wrongwe have no complaint against XXXX. The origial wire is attached.
Product: Mortgage

I have been in the process of obtaining a refinance of my current home mortgage with a mortgage company called The Premier Mortgage ( XXXX # XXXX ). This process was started all the way back in XXXX, XXXX. I have submitted all of the required documentation and was in regular communication with the loan officer through late XXXX, XXXX. At that point, all communications with the company stopped, despite numerous voicemails, emails, and text messages sent. 

I was told by the mortgage officer that my loan was ready for approval in a phone conversation on XX/XX/XXXX. Since then, I have learned that the loan officer that I was working with has left the company and he is unaware if the company has reassigned his files to another officer. Again, I have tried at least 10 times within the past 2 weeks to call or email the company, with absolutely no response from the company. 

I have already spent {$540.00} out of pocket for an appraisal of my property ( paid on XX/XX/XXXX ) and am now at the point where that money has been completely wasted unless the mortgage company reengages with me and the loan moves to closing. I feel that this company 's lack of professionalism and follow-up is appalling and I'm hoping that something can be done about this as soon as possible.
Product: Debt collection

I was charged twice in the month of XXXX for my auto payment of {$380.00}. 

The first payment I made manually on the XX/XX/XXXX. The second one came out automatically on the XX/XX/XXXX for another {$380.00}. I did not make this payment and I have never set up auto pay, ever. 

In fact after they recently revamped their website I had to re-register. I couldn't have magically set up auto pay during this time when I had to re-register with the site. 

I called to ask for a refund some time in early XXXX. They said they would mail a check and that it would take up to 10 days to arrive. I waited about 14 days before giving them another call. This was on the XX/XX/XXXX and it is reflected in my call logs. 

They promise to overnight a check to me ( which took 3 days ) and asked if I wanted to make the XXXX car payment while I was on the phone. I said yes and the girl confirmed that I made a payment in the amount of {$380.00} + a {$7.00} card fee. 

You will see in one of my statement screenshots that the payment came out the following day ( XX/XX/XXXX ). 

You will also see where I deposited the refund check in the amount of {$380.00} on the XX/XX/XXXX. 

I have never missed a payment since working with American Credit Acceptance and  my statements clearly show that I paid in both the months of XXXX and XXXX and was overcharged in XXXX.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I hope this letter finds you well. I am writing to request an update to the status of my account to reflect " Open/Never Late '' due to an internal issue that has been resolved. 
MIDWEST LOAN SERVICES XXXX
Product: Debt collection

I received an alert from my XXXX XXXX app about a medical bill in collections ( date of service XX/XX/XXXX ) with XXXX XXXX XXXX MD account : XXXX. 

I contacted my insurance ( XXXX XXXX XXXX ) because I know I was covered on the date of service. XXXX  explained to me because XXXX XXXX XXXX wasnt my PCP it wasnt paid. 

I initiated a dispute with the respective credit bureaus and the debt collector. I also contacted XXXX. 

On XX/XX/XXXX I received a call from XXXX with XXXX asking me to grant permission to Transworld so they can further discuss my dispute. XXXX also alerted me that it is a NJ state law that I should not be billed due to the coverage plan I was under. 

I granted permission for the two parties to speak. XXXX spoke with Ms.XXXX  from Transworld explaining to her I was covered by Horizon, I shouldnt be billed as per NJ state law. Ms.XXXX stated she would update the file and adjust it accordingly. I still havent reached a resolution and today is XX/XX/XXXX. 

Debt Collector : Transworld Systems INC. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX Doctor Office/Creditor : XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Debt collection

I have attempted to have my name removed as a co-signer for my ex-husband 's student loans for quite some time. Per our marital settlement agreement, he agreed to full responsibility for the loan and have me removed as a co-signer. 

I took my ex-husband to family court in XXXX XXXX as I learned that I had not been removed and that the loan was considered delinquent. In XXXX XXXX, a collection agency notified me that his student loans were placed in default. 

In XXXX XXXX, I requested a deposition of my ex-husband as part of the family law process. During that deposition, I learned that he signed my name on several loan documents ( e.g., loan deferments ), for which I had no knowledge, nor did I give consent to sign any documents on my behalf. 

In XXXX XXXX, another collection agency XXXX XXXX XXXX XXXX XXXX contacted me. I submitted a written request that the collection agency provide me with whatever documentation was in their possession or in the possession of the creditor. In XXXX, I received documentation from the collection agency. The documentation provided did not substantiate their claim of the loan amount they were trying to collect, but most importantly, the loan document did not bear my complete and true signature.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was closed due to an inaccurate deceased indicator being reported, XXXX reported the account as fraud and due to this error the account was closed When this account was being reported as fraud by the original creditor I had an open dispute with Equifax for the XXXX XXXX XXXX Equifax did not remove the account, instead the account that was reported as fraud, by the original creditor remained on my report verified and accurate Credit reporting agencies have a duty to uphold maximum possible accuracy per the Fair Credit Reporting Act. 

Equifax did not provide maximum possible accuracy, Equifax handled my credit report with willful negligence, inaccurate reporting, and deceptive practices Equifax also placed the inaccurate deceased indicator on my credit profile, without any documentation to support the claim. 
I have been now denied employment and credit due to this inaccurate deceased indicator placed on my credit profile
Product: Credit reporting or other personal consumer reports

I have consolidated all my student loan accounts into one balance and payment. My credit bureau is showing all the consolidated accounts as being open including the consolidated balance owed. 
Attached is statements from both lenders showing all is paid in full. 
Attached is my new statement showing the correct balance owed and one monthly payment owed. 
This has dropped from credit score down in the XXXX range. I had a XXXX plus since XX/XX/year>. 
Please contact to fix.
Product: Debt collection

Im receiving phone calls repeatedly after I told them that they had the wrong number and person. Ive asked them not to call but they will call again. They say at first that the call is being recorded in a attempt to collect a debt. They call from different phone numbers and different states. Im called 4 to 5 times a day. I feel harassed. Im XXXX and have XXXX young boys with XXXX who are XXXX. I have to answer my phone due to communication with medical and state offices. Its gotten so bad Im afraid to answer and triggered my XXXX. They are running up our phone bills and upsetting everyone
Product: Credit reporting or other personal consumer reports

I submitted a dispute on XX/XX/year> to all three credit bureaus, they have just now responded today XX/XX/year> that the documents that I sent in were not acceptable. They keep doing this to me every time I submit a dispute. I submit my driver 's license, my social security card, and a bill. What more identification do they need when I am only disputing information that they have inaccurate on my report? I am going to attach the same letter with no changes.
Product: Credit reporting or other personal consumer reports

I filed a dispute concerning my consumer report with XXXX, Equifax, and XXXX in XXXX and XXXX of XXXX. Neither company acknowledge the federal laws or consumer protection laws that I cited in my disputes, instead the company sent me a letter basically saying that they speculated that some third party was doing something to my credit. I responded telling the reporting agencies that I, myself had written the disputes, and I also verified my identity. The company still ignored all consumer protection laws and simply refuse to investigate or remove any of these derogatory remarks for my consumer report.
Product: Debt collection

XXXX XXXX XXXX has said that I owe them over {$13000.00}, which is untrue. Even the time they say I lived there is not true. I live in a complex now with no problems I suspect a family member has done this because money has been stolen from me, unauthorized charges to my bank account the list goes on. I need this off me ASAP I am trying to get a home and this is holding me up and very unfair to me
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was contacted by an individual using a sXXXX XXXX XXXX XXXX XXXX XXXX. They offered to sell a product ( a guitar ) for {$150.00}. Believing the transaction to be legitimate, I sent {$150.00} via XXXX XXXX. However, I later discovered that this was part of a scam targeting XXXX and the product was never delivered. 

When I realized I had been scammed, I immediately contacted both XXXX XXXXh and Chase ( my bank ). I reported the transaction as fraudulent and requested assistance in reversing or disputing the payment. XXXX XXXX denied my request for a refund, stating that the transaction could not be reversed, despite my explaining that it was unauthorized and part of a scam. Chase also referred me to XXXX XXXX, creating confusion about who holds responsibility for the dispute. 

As a college student with limited financial resources, {$150.00} is a significant amount for me. I took every step I could to resolve this, including contacting both companies promptly, but neither has provided assistance. I am seeking a refund for the transaction and clarification on why neither company is taking responsibility for addressing this scam. 

Key Details : Date of Transaction : XX/XX/year> Amount : {$150.00} Actions Taken : Contacted XXXX XXXX and Chase to report fraud and request a refund. 
Company Responses : XXXX XXXX denied my refund request. 
Chase redirected me to XXXX XXXX for resolution. 

I request that this matter be reviewed further and that I be refunded for this fraudulent transaction.
Product: Mortgage

Please see XXXX. XXXX finally sent the loan modification documents. However XXXX willfully and intentionally delayed the documents in order to take adverse action against me. My house was damaged in XX/XX/2022 by excessive wind and hail. The insurance check required XXXX to endorse it. However, they are refusing to endorse the check and release payment, due to them claiming my loan was delinquent. This is a direct result of XXXX refusing to comply with the modification in a timely manner in order take adverse action against me. Due to delays resulting from XXXX 's actions, I have now suffered financial damages due to materials price increases, and having to come up with {$21000.00} to pay for the roof out of pocket, which equates to {$5600.00} over insurance company 's settlement. This increase is a direct result of Freedom Mortgage refusing to comply with the loan modification in a timely manner.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX 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
Product: Mortgage

PennyMac mortgage policy states you can request PMI deletion at 80 % loan to " original '' value. They also state that at XXXX  % loan to " original '' value PMI deletion will happen automatically. I have been back and forth with their customer service trying to remove something that I don't believe anyone should have to pay in the first place. Right now I am at XXXX % loan to " original '' value. First I get told they are going to remove it, but it will take a month, now they tell me I have to pay for an appraisal out of pocket to determine if my home has lost value. I am not going to pay extra to remove something that I should not have to pay in the first place. There has been XXXX damage to my home, I have not made any insurance claims. If anything, my home has appreciated, but that doesn't matter, because the words in their policy state " LOAN TO ORIGINAL VALUE ''! They are robbing me every month and I want it to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

one XXXX  XXXX  account inaccurately is reporting under my name on equifax credit reporting agency, i will be attaching the police report that i had received, and provided to equifax as well, please have this inaccuracy removed they are not helpful at all, and not cooperating placing wrongful disputes and all. 
thank you
Product: Debt collection

Sherman Financial and LVNV Funding have misrepresented the true ownership of the account, engaging in deceptive practices. Under Texas Finance Code 392.202, I request that LVNV Funding, LLC investigate and validate this debt, notify the credit bureaus of my dispute, and cease collection activities, removing the tradelines associated with the account ( XXXX, XXXX, XXXX ). 

Additionally, LVNV Funding and Resurgent Capital Services, though operating as the same business, mislead consumers by reporting the debt under LVNVs name while all communications and payments are directed through Resurgent. LVNV Funding does not take payments, respond to XXXX disputes, or address CFPB complaints. This violates Texas Finance Code 392.304, which prohibits the use of false, misleading, or deceptive practices in debt collection. 

I also believe that Sherman Financial Group is the true owner of the account, raising concerns about the accuracy and legality of LVNVs reporting and collection activities. Furthermore, LVNV or Resurgent may have executives or shareholders who are not legally allowed to collect debts, compounding potential violations of state and federal laws.
Product: Credit reporting or other personal consumer reports

my identity was exposed from XXXX breach. I did not authorize those inquires.
Product: Credit card or prepaid card

Reached out to Apple for an interest rate adjustment. They declined. I replied that I will be closing out my account once I have paid off the loan. They asked if I would like to close it today. I agreed. ( XXXX ) Went to perform a balance transfer today ( XXXX XXXX ) my access to account information through Apple was blocked. I have no account information to perform balance transfer. I reached out to customer service though the app. They declined to help. I called customer service. They were not willing to provide me with the correct card information to perform a balance transfer. Supervisor told me the accounts closed. We will only take cash. The interest is still payable. I do not find the fact that they will not allow me to transfer money to another bank as an appropriate tactic that a credit card company should be using. I feel AppleGoldman Sachs stating to close the account right away after I had mentioned I would be closing once I transferred the balance out was a predatory move to gain favorable financial position by increasing their interest payments. Customer service was not willing to partner to find a resolution. This is unfair business practice to be performing and I would like to see Apple and Goldman Sachs held accountable.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Original creditor : CREDIT XXXX BANK N.A. XXXX Balance : {$540.00} XXXX XXXX XXXX Original creditor : XXXX  XXXX N.A. XXXX XXXX : {$460.00}
Product: Credit reporting or other personal consumer reports

It's been over 30 days and I have inconsistencies between all 3 reports that has not been updated or removed including inquiries, collection accounts that should not be on my report. Personal information and late payments that are inconsistent. I ask that the inaccurate information be removed immediately as these were requested over 30 days and it has not been reflected.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion : Worst reporting Agency. Other two ( XXXX and XXXX ) has no collection accounts. But TransUnion is still reporting. I have tried my best. Reporting late payments on closed account which are upto date.
Product: Debt collection

All XXXX Credit scores are in the XXXX with XXXX late payments or outstanding debt. I received a notification this morning through XXXX saying Jefferson Capital System sent a XXXX account to collections for {$170.00}. This was on my XXXX report which caused it to tank over XXXX points. 

I have never heard of Jefferson Capital, have not received any bills from XXXX, and have not been a XXXX customer for over 20 years ( with proof of current cell carriers ). This is completely fraudulent debt. 

Reading the reviews, Jefferson Capital has thousands of similar complaints. They either try to collect debt beyond SOLs, use unethical collections practices, or fraudulently try to collect invalid debt. Im considering contacting a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX.
Product: Consumer Loan

They will not refinance my auto loan, but will refinance anyone who comes in from an outside company. This is discrimination and the company being greedy over money basically saying they will not help their own customers. And they would not lower it during the buying stage of the process either even though I doubled my down payment.
Product: Credit reporting or other personal consumer reports

THESE INQUIRES ACCOUNT AND ADDRESS  WHERE MADE DUE TO IDENTITY THEFT. A FTC REPORT WAS MAILED TO ALL CREDIT BUREAUS AND CREDITORS AND THERE ARE FOLLOWED

 XXXX XXXX XXXX (Bank) (XXXX) INQUIRY MADEXX/XX/XXXX XXXX (Bank) XXXX INQUIRY MADE   XX/XX/XXXX XXXX XXXX XXXX   XXXX) Account Number: XXXX

INCORRECT Addresses  (EXPERIAN) XXXX XXXX XXXX XXXXTXXXXX XXXX XXXX XXXX  (EXPERIAN) INQUIRY MADE  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing this complaint to bring to your attention Transunion non-compliance with multiple provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ) .Since XX/XX/XXXX, I have sent multiple dispute letters to Transunion regarding inaccurate information on my credit report. Despite my efforts, Transunion and its agents have failed to conduct proper investigations and remove the following inaccuracies since XX/XX/XXXX : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX... 
Balance : {$20000.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account XXXX : XXXX... 
Balance : {$780.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX... 
Balance : {$920.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Charged off ; {$920.00} written off and past due XXXX XXXX Account Number : XXXX... 
Balance : {$380.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Charged off ; {$380.00} written off and past due XXXX XXXX XXXX Account Number : XXXX... 
Balance : {$68.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Charged off ; {$68.00} written off and {$18.00} past due XXXX XXXX XXXX XXXX Account Number : XXXX... 
Status : Paid, Closed XXXX XXXX XXXX Account Number : XXXX... 
Status : Paid, Closed Transunion does faulty investigations of credit reports, and does not comply with Federal Laws nor verify properly if said accounts are actually mine per social security verification and other information like comparing to lexisnexus. My experience mirrors many other consumers who fail to get proper investigation results. failure to properly investigate my disputes has caused significant harm, including lost work opportunities, credit denials, and housing challenges as well as higher interest rates and down payment requirements. I respectfully request CFPB to ensure that Transunion complies with FCRA requirements, conducts thorough investigations of my disputes, verifies the information with XXXX where applicable, and deletes all listed inaccuracies. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX NOTE : I only go by XXXX XXXX XXXX not deviations please update my name as well.