23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The past 6 months I have and been disputing inaccurate information on credit reports. XXXX XXXX XXXX XXXX XXXX, the original source, filed a judement to courts. They have also reported same related information to credit bureaus. XXXX XXXX XXXX XXXX XXXX are actively reporting XXXX account as XXXX seperate entities.One acct. under XXXX, and Civil Judgement as XXXX. XXXX no longer owns the account. A company called XXXX XXXX. has the acct. I filed dispute with credit bureas to remove judgement and other acct. information, based on the fact that XXXX XXXX XXXX XXXX XXXX no longer has said accts.XXXX deleted both disputed accts. Equifax removed XXXX acct. but kept judgement on report as satisfied. After several attempts, XXXX has refused to update either accts. I am still disputing inaccurate information to XXXX with no success and have recently discoverd that Equifax has put previously removed acct. back on my credit report however did leave the judgement as satisfied. Once again, I am disputing inaccurate information with that reporting agency as well. The ordeal with these credit bureaus have caused undo stress and creating unjust. Also, I would like it to be known that both accts being reported from XXXX is showing XXXX different balances as well. I would like to thank you for your time. I am attaching documents.
Product: Credit reporting or other personal consumer reports

I am writing a letter to file a complaint in accordance with 15 U.S.C. 1692c of the fair debt collection practices act ( FDCPA ), which governs communication between debt collectors and consumers. I believe that my rights have been violated by these creditors and or debt collectors and I'm seeking your assistance in addressing this matter specifically I have been contacted by collector 's, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX regarding this alleged debt. however, I am concerned that their communication violates the provisions of 1692c, which regulates when and how debt collectors can contact consumers the collectors contacted me at an inconvenient time, contacted me after being informed not to do so contacted me at work when i previously requested they not do so in accordance to 15 U.S.C 1692c a debt collector is prohibited from contacting a consumer at inconvenient times or places, and under 15 U.S.C 1692c I have informed the debt collectors that i do not wish to be contacted further. Despite this the collectors have continued to make contact, which I believe constitutes a violation of the law. I kindly request that the CFPB, investigate this matter and take appropriate action to ensure that my rights are protected while I sort out these matters concerning this alleged debt, Thank you for your attention to this issue. I look forward to your prompt response
Product: Mortgage

I applied for a reverse mortgage for my Mom to stay in her condo and was approved XXXX/XXXX/XXXX. She XXXX XXXX XXXX and although we hoped her to have XXXX and get her back she was never able. During this time they guided me to what they needed and what I needed to do. 

Mom XXXX XXXX XXXX, XXXX. I had a XXXX XXXX XXXX XXXX. I called them in XXXX and found out what was needed. XXXX XXXX, Trust, Letter of Intent, Appraisal & monthly checking in.

I contacted them via fax and/or phone conversation with three different staff on XXXX XXXX, XXXX XXXX and XXXX XXXX. I have all the handwritten notes supporting this. I was told a new timeline would begin not based on Mom not returning but on her XXXX which got me to XXXX XXXX. 

XXXX XXXX, XXXX I called for my monthly check in and was told the loan was due XXXX XXXX, XXXX based on Mom not returning. 

I asked for a supervisor and went over all the times and the staff who shared information on the new extension date. Her response was that the staff were either no longer with the company or were in training at the time. She would not work with me at all on their mistake. Mom 's condo was listed in the morning on XXXX XXXX, XXXX. 

The supervisor told me unless I paid the loan by XXXX XXXX they would no longer manage the loan and it would go to a foreclosure lawyer to accept the process to begin a foreclosure. The condo sold and we closed XXXX XXXX and I ended up paying {$3300.00} to the lawyer and another {$880.00} for I do n't know what as it also was in the amount collected at closing on the XXXX statement under the line of Mortgage Payoff Good Through XXXX/XXXX/XXXX to Ocwen Loan Servicing.

This is not right. For the servicing company to advise me of an extension that was not honored and I am out {$3300.00} to the lawyer and another {$880.00}. 

Respectfully asking for that money to be returned to me. 

Thank you I have all the notes to include dates, names, phone numbers and conversations I had regarding this.
Product: Mortgage

I applied for a VA home loan with Veterans United Home Loans on XX/XX/2020, I worked with XXXX XXXX, XXXX XXXX and XXXX XXXX. I was told that I would be given a pre approval for my loan of XXXX once issued I requested an increase to {$220000.00} and I was assured that this was a pre approcal and I could proceed to go shopping for a home not to exceed {$220000.00}. I was able to find a home within my price range paid the earnest money, inspections cost and appraisal fees. Two days before the close of escrow the lender tells me that im now unapproved for the loan because of a new debt that I went and acquired after I applied for the loan. XXXX XXXX then proceeds to email the title company and tells them that I applied for debt after the loan and I should not be given my earnest money back. It isnt true that I applied for new debt I purchased new vehicles on XX/XX/2020 in which those inqueries showed on my credit report at the time that Veterans United Home Loans pulled a copy of my credit report. I feel like I am being done wrong as a customer because the loan officers didnt do there due diligence I didnt conceal or hide any information from them at the time of the loan and now not only am I on the verge of being homeless Im also out of pocket close to {$2200.00} due to their mistake. If they wouldve in fact gave a true pre approval this wouldnt have happen at all. They say they give true pre approvals but are only using a desktop underwriting software and the problem with that is that issues are found on the back end versus the front end. I dont want to happen to other XXXX veterans.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I put my money in Citi Bank in XXXX California ( Money Market Promo for XXXX  Months ) XXXX with an interest of XXXX XXXX starting in XXXX for XXXX months and I have only received interest for XXXX XXXX of {$37.00} XX/XX/year> XXXX which should have been for XX/XX/year> XXXX XXXX XXXX = {$1900.00} XXXX XXXX also at least = {$1900.00} I am being riped off of {$3800.00} of interest a far difference for my XXXX XXXX account. I have all the paperwork and I have been that I signed with XXXX XXXX XXXX XXXX Personal Banker XXXX  # XXXX XXXX  ID XXXX Citibank. XXXX. 
XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX and her bank asst manager XXXX XXXX Branch Manager XXXX said it was a glitch on their end that they did not enter the XXXX XXXX but will correct and the last XXXX month of interest and the XXXX XXXX when it is due. And both said it was not an error on my part at all. 
I've talked on the Phone with XXXX XX/XX/XXXX, XXXX, XXXX and she assured me I would get my Interest that it was being taken care of. 

But today her boss called after I left her a message Her name is XXXX and said that the glitch was on their end and that they could start my account all over as of Next XXXX  and start paying the XXXX XXXX but not sure they would pay the last XXXX months. So they sat with my XXXX for the last XXXX month after signing documents that I would be given XXXX XXXX each month for XXXX  months and now they want to cheat me out of my interest for holding my money. That fraud. Thats a lie. 

I spoke with her on the phone today and she was very sarcastic and told me she could see what she could do but most likely I will not get my interest for the last XXXX  months. 
XXXX XXXX XXXX XXXX XXXX XXXX Can you please help me? Please Advise
Product: Credit reporting or other personal consumer reports

I was reviewing my credit profile and saw there was inquires that are not mine on there
Product: Credit reporting, credit repair services, or other personal consumer reports

During the week of XX/XX/XXXX, I reached a settlement on the two credit card accounts I have with XXXX. On XX/XX/XXXX, I paid off both credit card accounts with XXXX for the settlement amounts, ending in XXXX for {$560.00} and XXXX for {$4400.00}. XXXX has reflected the payments I made to the 3 credit bureaus Experian, XXXX, and XXXX, but refused to report the accounts paid in full and the remaining balance is posted as due and owing. I contacted XXXX on multiple occasions and was told I would be receiving a fax, which never occurred. On the most recent call, I was told the fax would take 10 days from XX/XX/XXXX which is an unreasonable length of time ( over 21 days since payoff, if it is ever sent ). I have previously exhausted the dispute process with the credit bureaus and since no letter was provided by XXXX I am unable to provide written proof of the settlement. Verbally, XXXX acknowledges a settlement was reached and the account was paid. However, they refuse to simply put it in writing on a brief document and provide it to the consumer, and have not updated the accounts as settled with the three credit bureaus. They state it will take 2 or 3 MONTHS to report the settlement! I feel XXXX is intentionally delaying since they have received their payments, and this is unfair to the consumer. I paid promptly upon settlement, XXXX needs to demonstrate the settlement promptly in writing and with the three credit bureaus. I have attached a copy of my triple bureau credit report which reflects the XXXX accounts that are incorrectly reported.
Product: Checking or savings account

My FTC complaint has gone nowhere However, I did file a complaint with the consumer financial protection Bureau a couple weeks after my FTC complaint. 


I signed up to become a member of a ( scam ) company called XXXX in XXXX specific date was given for when we would receive access to the " member store '' online or get our " debit cards '' but at sign up it stated XXXX weeks. At the end of XXXX weeks they extended the date another XXXX weeks, and so on and so forth for about XXXX  months. The company kept hosting XXXX meetings whereby they moved the date of releasing the membership cards and website/store access. Different excuse and explanation, but very believable so I kept holding on waiting for my " merchandise '' access card to arrive so I could utilize the benefits I paid {$50.00} for ( XXXX {$25.00} charge for my account and another for my husband 's account, but all on my chase debit card On XX/XX/XXXX, the company sent an email stating they were ceasing operations. I immediately filed a dispute with chase for non-receipt of merchandise. Even through it has been more than XXXX days from the purchase, it has NOT been more than 60 days since the company promised us our cards and website access that had been continually delayed due to " numerous issues '' and it has NOT been more than XXXX  days since I was notified that the merchandise would never be sent. On XX/XX/XXXX XXXX  denied my claim for the XXXX rule. I called a manger and explained that although it was XXXX  days from the purchase, it was NOT 60 days from the " new '' date of the promised product to be sent. I told the manager at XXXX that I never received any request from XXXX to provide documents. He told me I had XXXX different claims for the XXXX different charges, and that I could load the proof on the XXXX one that had not been adjudicated yet. I loaded an email dated XX/XX/XXXX which is the most recent document in WRITING I have from the company stating that the new company launched named Finmore, and we were all transitioning from XXXX to XXXX and access to the member deals would be coming soon. They continued to promise to mail cards, during their XXXX  meetings but I never recorded the meetings. 

I believe XXXX is being abusive in their application of Regulation Z, because the time clearly starts following when the product is to be delivered/received. In this case, the " delivery '' date was moved every few weeks, so we were never more than XXXX  days outside of our promised delivery date. I have filed an FTC report about the fraudulent company : XXXX This is run by a man with a history of securities fraud ( " We also reported on XXXX being criminally charged with securities fraud in Utah back in XXXX. The charges pertained to XXXX running XXXX XXXX schemes, which authorities claim XXXX defrauded consumers out of ~ {$10.00} XXXX dollars through. XXXX pled guilty to XXXXXXXX XXXX XXXX XXXXXXXX of XXXX XXXX ( page XXXX ), a XXXX XXXX XXXX, in XXXX. '' )
Product: Credit reporting or other personal consumer reports

Ordered from XXXX on XX/XX/2022 with payment plan through Affirm. 
All items were returned. 
Affirm did not resolve pending returns with XXXX, account status showed a remaining balance. 
XXXX confirmed the remaining balance was less than what Affirm showed. 
Paid remaining balance once XXXX and Affirm settled the dispute and confirmed all items were returned. Affirm provided documentation of proof ; responsible for repayment was false and account was paid in full. While the disput was being settled between XXXX and Affirm about the returned products, Affirm falsely reported late payments to my credit report showing as a negative. Provided proof to XXXX and they still did not correct or remove the false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No- XXXX XXXX. XXXX XXXX- {$900.00} XXXX. Last XXXX XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act this account violated my rights. 

XXXX XXXX. XXXX Section XXXX A XXXX XXXX I have the right to Privacy. 

XXXX XXXX. XXXX Section XXXX A Section XXXX It also States a consumer reporting agency can not furnish a account without my written instructions. 

Kindly delete the account. 

Thanks XXXX XXXX
Product: Student loan

Iam the consignor on my sons private student loan. He has applied and received forbearance on a couple of occasions this past year. I was never informed, or requested my approval ( since Iam on the hook ) for accepting the forbearance. I only receive an e mail approving the loan. This will cause an additional increase due to the loan is still accruing interest. Is the lender allowed to approve this without my consent also? thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to dealerships car shopping the past 2 years. I told them I only wanted my credit ran once. They ran my my credit 22 extra times. To these banks listed. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXXXXXX XXXX  XXXX Experian XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Experian XX/XX/XXXX XXXX
Product: Credit card

On XXXX/XXXX/2016, I purchased a XXXX XXXX Desktop Hard Drive from XXXX. After trying a number of procedures suggested by both XXXX ( the manufacturer 's support website ) and XXXX ( the manufacturer of the computer into which Hard Drive was to be installed ) including purchasing XXXX more cables to 'piggy-back ' unit into my existing Hard Drive, and not achieving any results, XXXX suggested I RETURN the hard drive to XXXX , the merchant from whom I had purchased it. I called XXXX customer service and was assured they would send me a return label and I would get a replacement unit. XXXX NEVER mailed me such label, or a replacement unit, or issued a refund for {$84.00} ( price of unit and shipping ). I then contacted my Credit Card XXXX, DISCOVER, and filed a billing dispute XXXX, Case No. XXXX. On XXXX XXXX, 2016, I received correspondence from DISCOVER CARD, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, saying they were closing the dispute as " the transaction appears to be valid! ". Furious, I called DISCOVER CARD at their toll free number XXXX, and attempted to have their customer service reps address a number of issues. The first call got me thru " XXXX '' / '' XXXX '' who was flip, condescending and refused to put me through a GENUINE SUPERVISOR who could address the issue. He finally hung up on me while he had me wait for such a supervisor. I called back at the same number, and also got their Ohio Call Center once more, only this time I spoke with a " XXXX '' who made believe he could not hear me and finally hung up on me. DISCOVER CARD has been totally irresponsive, arbitrary, capricious, and outrageously callous. I 'm a XXXX year old XXXX XXXX Veteran living on a fixed income and {$84.00} for a XXXX LB PAPERWEIGHT which I was expecting to use as a Hard Drive in my desk top computer may seem trivial and petty to both XXXX and DISCOVER CARD, but for me it represents SUBSTANTIAL LOSS for something I 'll never be able to use as intended. I would like DISCOVER CARD to use their CORPORATE MUSCLE and force BESTBUY to send me a replacement WORKING UNIT, and a return label with which to return the defective unit, OR issue a CHARGEBACK to XXXX for selling non-working electronic parts and refusing to stand behind them through either replacement or credit for price paid. I have CLOSED OUT MY ACCOUNT with DISCOVER CARD after the very unpleasant experience, after paying them off in full on XXXX XXXX 2016.
Product: Credit card or prepaid card

I got a brand new XXXX XXXXXXXX card and I used it one time and I have been locked out of my account and I believe my accounts were stolen because my bank card also has a bunch of charges that I don't recognize. My email is also being weird.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting on a bad, invalid junk debt collection note acquired by XXXX XXXX XXXX XXXX ( junk receivables collectors ). The Creditor listed is " XXXX - XXXX XXXX XXXX , XXXX. ". The original debt they are reporting and attempting to collect on from XXXX / XXXX was resolved years ago with XXXX and XXXX. As noted on the attached document a billing error was noted and the matter can not be billed to me XXXX the patient ). The matter closed with a zero balance. 

This erroneous error must be removed by Equifax in accordance with the FCRA. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX electronic billing system stopped sending out bills last summer. They did not contact me in writing until after they issued a negative credit reporting from XXXX XXXX after the accounting billing was corrected and paid. XXXX XXXX refuses to correct the record for my account XXXX and continues to report late payments when nothing is due. 

I submitted a written request by Certified Mail to XXXX XXXX for the lack of current billing and account information provided by XXXX XXXXXXXX and they should have made the correction to remove the negative record last XXXX, and they still have not done so.
Product: Debt collection

XXXX XXXX  from Portfolio Recovery contacted my cell phone. My spouse answered the phone and identified himself and asked whom he was speaking with and Miss XXXX tried to end the call after asking for me and being told I was not available. My husband pressed to find out who was calling and why. After being ID 'd she immediately went into FDCPA and SOL statement before identifying the company.

After interrupting, and being told she would not give the account ID or her supervisor an offer to settle or cease to call the cell phone was given. She stated she would not honor a verbal cease and desist on a cell number ( that was not authorized to be called ) and that it needed to be in writing.

Her supervisor took over the call, XXXX XXXX, and did a good job of diffusing the situation. We were unable to resolve the debt, the verbal C & D was noted, but still told had to be in writing ( on a cell # not authorized to call ).

Rude, unprofessional, wrong on not honoring C & D.

An email communication was sent on the Portfolio Recovery website for the written C & D.
Product: Money transfer, virtual currency, or money service

I applied for a job on XXXX  app on XX/XX/XXXX, to work from home since I just had a XXXX. On XX/XX/XXXX a guy name XXXX XXXX asked if I was available for an interview, he asked me a few questions related to the job, within an hour he said I was hired an sent me the offer letter, it had the name of HR manager of XXXX XXXX XXXX XXXX, I XXXX  her and she is the manager of that company so I thought it was real. He said that I needed an XXXX, scanner, printer, XXXX  and some programs. Before starring that they will give me the checks and I will pay their vendors which I did. XXXX XXXX and cash app to XXXX XXXX. After I had the funds available I paid and then this guy XXXX blocked me, I received an email from my bank stating that the check was a forgery. I need help, the total amount is XXXX dlares the first one is for XXXX dlares ( XXXX XXXX say they cant do anything and they other one was for XXXX dlares. Please help I truelly need my money back.
Product: Checking or savings account

On Thursday XX/XX/21 I deposited a check from my husband for {$1500.00} through my BOA app to my checking account as Ive done numerously and regularly for several years. I was notified that the funds were being held and would not be available until Wednesday XX/XX/21. 
Despite the fact that there was over {$2000.00} in liquid funds available in the account as well as {$17000.00} available on my linked BOA credit card, when I phoned BOA customer service on Friday XX/XX/21 I was told they would not release any of the funds as they were informed electronically the funds were not sent by the local paying bank, XXXX XXXX. However, I confirmed with my husband that in fact the funds had been withdrawn from his account. Where is my money?! I have been a banking customer of BOA for over 33 years! I even went to the local branch. They were courteous but completely ineffective and were themselves left on hold calling their own service line for over 20 minutes while I sat there. 
Where does the loyalty get me? There was nothing personal about how this was dealt with. I was treated like they didnt know me yet I have several consumer products with them and a long-standing relationship. I had to draw funds from an outside account to be sure my mortgage payment would clear. The people in customer service were not interested in the least with actually putting any effort whatsoever into assisting me with this issue.