23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

reporting company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I am writing in reference to the all three credit bureaus lowering my credit score due to auto inquiries that were within 7 days. All bureaus were sent a certified letter requesting that they bring my score back up to where it was minus points for every 5 inquiries.There were 10 inquiries. From XXXX and XXXX I was told by XXXX, XXXX and Transunion that they are not responsible for the credit dropping due to the auto inquiries. They all told me to contact the creditor where I applied for the loan. The auto creditors are not liable for the scores that the credit bureau is suppose to give. The creditors told me they could not remove the items by law. I understand that. The creditors are not responsible for my score going down the bureaus are are suppose to only drop 1 point for ever 5 inquiries if they are within 7 days and in the same category.. My score was dropped 41 points due to the inquiries that were made with 3 days of each other. This is unheard of. I feel like I am working on my credit is in vain if the Credit Bureaus are supoorting the negative information that companies put on your credit no matter what the circumstance are taking place in your life. I had a XXXX XXXX in XXXX. This is what caused the medical bills as collections on my report. I am victim of XXXX XXXX that a protective order was filed and I was assisted by the Attorney Generals back in XXXX. My credit was affected again by medical bills due to the XXXX   XXXX acts by my husband. I have told the collection agencies that and they still call and report medical collections. This is insane. I would like you all to check into this. Because I was informed by the XXXX, Friends of the Family in XXXX Texas, that I was in when I left my spouse that I should get medical waived due to this XXXX situation.. It is a conflict of interest for the credit bureaus to assist the consumers with education to check credit for and monitor credit, but they are not caring how they score due to these inquiries. How can the care about the consumer in correcting the problems with no effort on their part and turn around and try to sell the consumer on their products and try to get to you to open high interest credit cards so they can get a kick back. This is not helping the consumer. 

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Product: Money transfer, virtual currency, or money service

I had sent money to a XXXX XXXX XXXX who posed under a false name XXXX XXXX thru XXXX totaling {$1900.00}. They were sent in payments of {$950.00} on XX/XX/XXXX & XX/XX/XXXX in order to secure an apartment for rent and were supposed to be the deposit and first month 's rent. I've sent tried to contact the scammer, XXXX and Fifth Third bank but was unable to reach an answer or a solution.
Product: Credit card or prepaid card

I used to be an XXXX XXXX from XX/XX/XXXX until XXXX XXXX, when XXXX sold its customers to Citizens Bank. 
On XX/XX/XXXX, was my last credit card statement with XXXX, my bank account with them was closed and I did not wanted to be a citizens customer. 
I started to receive mail from Citizens bank as if I was their customer. I called them to make sure they knew I would not want any relationship with the bank.They explained to me over the phone that was an automatic procedure and every XXXX customer would receive that and all I had to do was ignore any information from them. 

A few automatic payments I had used to be debited from my XXXX credit card. On XXXX and XXXX, i had to change the payment method as obviously my XXXX card was inactivated. 

Anyway, I used to pay my XXXX  using my XXXX account. Around XX/XX/XXXX, I received a Citizens statement charging me some a balance without describing the service purchased. I called them and they said it was related to XXXX expenses from XXXX until XX/XX/XXXX. I said that was definitely a mistake as I had never had any relationship with Citizens Bank and never ever activated any credit card from them. They gave me the final XXXX digits of their credit card : XXXX. I assure them I never touched a credit card with that number. 

They kept sending me billings for this and I kept calling them trying to understand what was going on and they told me to speak at the fraud department. I called Fraud department and we went over the amounts and they explained that my XXXX card Final 4 digits XXXX was the same as XXXX. That blew my mind. The XXXX amounts matched my XXXX rides and so I checked the payment in my XXXX account and for my surprise XXXX was charging my XXXX rides on my XXXX card final XXXX, wich was activated again in XXXX XXXX without my consent and sent to Citizens bank that I explicitly said over the phone I wanted no relationship with. I have been trying to pay my XXXX balances with them but they are charging me XXXX dollars od interest charge that I told them I refuse to pay. 
I Today, I called XXXX to understand why they did not cancel everything as I closed my bank account with them. The attendant said it could have been the system. I reply then fix it. After more than XXXX hour with XXXX attendant she transferred me to her supervisor. All they can say is that they are very very sorry but they no longer can access my credit card with Citizens Bank. Citizens bank refuses to take away interest rates. 

I feel unpowerful and cheated by two gigantic institutions that abused from people 's naiveness to make money. I am a single mom in a middle of a litigious divorce, meaning every cent spent in my life at this moment counts. Because of this my credit card went down almost XXXX points and it is impacting my financial life in every possible way. 

I do not know what else I can do to make this be at least fair. I am sure if I had XXXX XXXX dollars in my bank account both banks would be apologizing for their mistake. This is so frustrating and I believe it is worth fighting for as I am a very correct person with my debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have had my credit reports from XXXX experian XXXX all have pulled my personal credit report from mulitple sources over 95 times since XX/XX/2021, I have not authorized these credit pulls
Product: Mortgage

submission, [ Case number : XXXX ] I received a response from the HSBC, it was inadequate, they were sued and I was a victim of HSBC failures. they want to hand this issue off to another servicer, as if I was n't serviced by HSBC, repair their image. 
I asked for a VA loan, HSBC promised me a principle reduction, my loan is in a modification. I did n't see any paper work in the terms of the modification, which I understood my rate would not change they lied, I did n't see anything about a principle reduction they transferred my loan. please forward my case to the legal department the was recently awarded a settlement HSBC. My case should be awarded like the many of their customers that were caught up with the Mortgage practices of HSBC. please forward my case. I was also kept from doing HARP, by HSBC. I am experiencing a hardship due to HSBC practices.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to request the Method of Verification for items disputed in my recent complaint.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. 
Please provide the following within XXXX  days of receipt of this letter : XXXXThe source ( s ) of information used to verify the disputed items. 
XXXXDocumentation or evidence supporting the verification. 
3.A detailed explanation of your verification process. 
If you are unable to provide this, I request that the items in question be immediately deleted from my credit report, as required under FCRA 611 for unverifiable information. Noncompliance will result in legal action for willful and negligent violations of the FCRA. Thank you for your prompt attention. 
Sincerely,
Product: Debt collection

Repetitive calls on XX/XX/XXXX and XX/XX/XXXX to my work number, which is disruptive to the office and staff. Prior to my down turn, I contacted credit card company to work out a plan and was told they could not offer any form of assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep concern regarding the inaccurate information that has been reported on my consumer credit report. It has come to my attention that your agency has failed to maintain accurate records, which has had a detrimental impact on my financial standing. I have recently reviewed my credit report, obtained from your agency, and discovered several discrepancies that are grossly misleading and damaging to my creditworthiness. These inaccuracies in my credit report have had severe repercussions on my financial well-being. They have caused me to be denied credit opportunities, subjected me to higher interest rates, and hindered my ability to secure affordable housing and obtain favorable employment. Furthermore, I have diligently maintained a responsible financial track record, making timely payments and keeping my credit utilization low. Therefore, it is particularly distressing to find such erroneous information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a legal obligation to ensure the accuracy of the information they report. Section 611 of the FCRA grants me the right to dispute inaccurate information on my credit report and provides you with a duty to conduct a reasonable investigation into the matter. It is clear that your agency has not met this obligation. The FDCPA states you must cease collection activity until you have produced verification of the alleged debt if so requested. As per the FTC, this includes reporting to the credit reporting agencies, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it in the previous 4 months since it was requested. Also, when an alleged debt is disputed, a notation must be entered on the debtors credit report showing the item as in dispute. Again, this was not done. Im sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the XXXX XXXX XXXX XXXX XXXX. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I kindly request your prompt attention to this matter.
Product: Mortgage

Hello, my name is XXXX XXXX. I can not believe that my loan once again has been transferred to another servicer XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Ive been working for a very long time with XXXX XXXX XXXX XXXX  ( my previous servicer ) and now I had to start the process all over again. How many time will this go on? How many time will me and my XXXX wife suffer to get a loan modification? There is a foreclosure sale scheduled for my home on XX/XX/2019. 
From my first bank, XXXX XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, whoever they are. 
I sent over a full packet to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. That is an amount I can afford. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2019.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XX/XX/XXXX Synchrony Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX XXXX : Synchrony Bank Credit Card access Blocked I am Synchrony bank customer member since XX/XX/XXXX and I am enjoying all benefits since begin. XX/XX/XXXX I am try to use my credit cards and its not working. I am so disappointed all my synchrony bank credits card blocked without any future informing .Please explain to me why is blocked my all credits card after 2 years using. Following credit card blocked - Care credit Account ending in XXXX - CarCareONE Account ending in XXXX - Chevron and Texaco Visa Card ending in XXXX -JCPenney Credit Card ending in XXXX -GapCard Account ending in XXXX -Old Navy Card Account ending in XXXX XXXX, XXXX XXXX Account ending in XXXX -Amazon.com Store Card account ending XXXX XXXX -TJX Rewards Credit Card account ending in XXXX -Walmart Master Card account ending in XXXX XXXX XXXX Card account ending in XXXX - XXXX XXXX Visa Credit Card account ending XXXX -XXXX  XXXX Credit Card account ending XXXX attached my income details Bank Statements, Pay Stubs Physical address verification ( Credit Card Statement XXXX ) and Permanent Resident Card and California Driver License Please reactivated my cards as soon as possible. You need more information call me ( XXXX ) XXXX Thanks. XXXX XXXX XXXX
Product: Debt collection

They refuse to reply to all my disputed letters I sent to them, and refuse to fully remove the collection off my credit report. XXXX and XXXX has already gotten notification of removal but they have not removed it off my XXXX report and it is impacting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled up a copy of my credit report and seen there were some accounts that aren't mine and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute are listed below : XXXXXXXX # XXXX. Also, please remove ALL following unknown inquiries : XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX XXXX XXXX XXXX via XXXX
Product: Vehicle loan or lease

I traded a vehicle to XXXX XXXX  XXXX XXXX on XX/XX/year> and to the best of my knowledge it was they paid off the loan to South East Toyota Finance. South East Toyota Finance has put the loan on my credit saying that it was never paid.
Product: Mortgage

I entered into a contract to purchase a home built by XXXX XXXX and used NVR Mortgage as the in-house lender. During the process, I was charged a float down fee of {$4900.00}, which was intended to allow me to adjust my interest rate if market rates improved. I also paid a non-refundable {$550.00} appraisal fee, which I accept as valid since the appraisal was completed. 

However, the process revealed significant issues with XXXX XXXX, which directly impacted the transaction. The house that XXXX XXXX built was different from the model home initially shown to us and was smaller in length than what was agreed upon. Despite these discrepancies being their fault, XXXX XXXX refused to compensate for the difference. This situation forced us to terminate the contract, as we were not willing to accept a home that did not meet the original specifications. 

Additionally, due to ambiguity in NVR Mortgage 's communication, it was unclear how the float down fee would be utilized. It was presented as either part of a float down option or a portion of the down payment. Since we decided not to proceed with the purchase and financing through NVR Mortgage was not utilized, I believe the float down fee should be refunded in full. Retaining this fee is unjustifiable as the service for which it was paid was never used. 

Supporting documentation, including emails, the float lock agreement, and formal communication from my legal representative, is attached for reference.
Product: Bank account or service

My bank is Wells Fargo, and there always seems to be a problem going on in my account.Some of the bank accounts were opening separate accounts, and moving money from XXXX account to the other.That a reason why my funds are low. I do n't want to move my money from XXXX account to the other.I want to solve this issue right away. I want a suggestion to see if there is a good online bank has great customer service, that is recommend to move my funds there.I would appreciate a response.
Product: Mortgage

I applied end of XXXX, XX/XX/XXXX was given an approval letter stating they had verified income debts and assets, which was valid thru XX/XX/XXXX to close on the home on XX/XX/XXXX I had in contract after submitting all necessary documentation for review. Around XX/XX/XXXX they asked to delay close to XX/XX/XXXX as they were still verifying insurance, property taxes and condo docs. I had to give notice at my apartment and did so to be out XX/XX/XXXX which would have ben plenty of time to get situated and they had leased it for XX/XX/XXXX move in. 

They said at some point that they had to close the application due to their " internal compliance timer being up '' and to restart the loan process, which I did and not to worry. this time they said I couldn't use my business income, so the CPA audit they had me pay for the 1st time around was for nothing, and they won't reimburse that cost. My moving expenses became higher due to having to move to another location temporarily and incur storage costs. I lost half my earnest money because they failed to honor their approval commitment letter. All said, I was out almost {$7000.00} in expenses ( reduced for what they would have been if the move happened as planned ) that won't be reimbursed. 

TO date I have received not in in writing by mail explains to me why I was denied credit for either application i made with them. In fact I have almost zero correspondence that has anything to do with regulatory disclosures and actions, and actually found some of those that were electronic had ben deleted from the portal I used on their website for document retentions and submission.
Product: Debt collection

This company says they are a mediator for collecting debt. They call my family friends repeatedly and leave messages saying they will show up at my home and work. I called them to find out what was going on they said their name is KP Asset Consulting and that I owe a debt. I asked for the name and number of the debt owner they would not provided. I asked they only speak to me regarding the debt and in writing they said no. They said they could not stop the calls to family friends etc unless they called them and asked. I am still trying to verify who owns this debt but the collection practices of KP Assets Consulting are abusive and not honest.
Product: Debt collection

Receivables Management Partners , LLC ( RMP LLC ) has been harassing me every day at least twice a day via various different phone numbers to collect a debt that is not legally mine. 

I leased a new vehicle back in XXXX. I sat in the dealership with the salesman as he called the original credit union directly for a payoff amount, it was read off via the automated phone menu, and the salesman sent that exact amount to the original credit union and I signed the title over to said dealership ( Performance Select cars in XXXX, KY ). 

Days after I began receiving letters and many many calls regarding a {$65.00} difference in the payout amount that I'm not even legally responsible for as the car title hasn't been in my name since that car was signed over before I left the dealership lot. 

It took maybe a week before RMP, LLC began harassing me everyday with various different numbers NUMEROUS times a day. 

I've answered twice on recorded line explaining the debt is not mine legally and they will get nothing from me, if they'd like it paid contact those legally responsible at XXXX XXXXXXXX XXXX in XXXX. But they still keep harassing me with calls and texts every. Day.