23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I reached out to XXXX XXXX NMLS # XXXX because I heard him on the radio to refinance my mortgage. I told them that since I had owned my house for two years and the market had grown so much, I wanted to refinance mortgage insurance off of my house since I was at a 80 % loan to value. There was no reason to refinance my loan into an FHA because that would mean that I would still pay mortgage insurance. I tried to meet with XXXX XXXX but he kept having his assistants meet with me, which I was fine with. We got my house appraised and it was appraised at {$160000.00}, credit score of XXXX and I only owed {$100000.00} .... so it was perfect to be put into a conventional loan with no mortgage insurance. When title came over to my house to have me sign documents I asked if this had the mortgage insurance off of it and he said that the mortgage company should have taken care of that for me. Instead they refinanced me into another FHA loan instead of a conventional loan and I am still paying mortgage insurance. The payment didn't even go down or up, it stayed the same. I feel they only did FHA because they made more money on the loan, based on what my other friends in the industry are telling me. I kept trying to call over to them after I noticed that the paperwork said FHA and not Conventional. They kept telling me that they would have XXXX reach out but he never called back. I tried to go down there and they kept blowing me off. I tried and tried, but to no avail ... .they just kept avoiding me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed this letter off certified mail on XX/XX/2020 and I have yet to receive any correspondence from Equifax or XXXX. It has been over 60 days. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Also, these accounts are unverifiable, invalidated, inaccurate, and 100 % false. If anything is reporting 100 % inaccurately it must be removed. I hope you find out whats going with this inaccurate information. Would you please clear this up quickly. A new credit report that reflects the updated credit report should sent. They should have completed an investigation within 30 days of receipt of this letter but they didn't and as a result this items must and have to be removed immediately. According to law unverifiable and inaccurate items must be removed and if you are unable to provide me with a verifiable proof within 15 days after your investigation, you must removed the accounts and or the information above. Also, I sent a letter to Equifax about and Incorrect, Unverifiable and Inaccurate Name and Address ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX ) and this must be removed because that's not my name nor is it my address.
Product: Payday loan, title loan, personal loan, or advance loan

I am receiving repeated payment requests from a company https : //www.affirm.com I do not recognize and have never used their services. They claim I have two loans with them, but I have never signed any agreement, spoken to, or dealt with them in any way. When I called for clarification, they insisted I owe them money. I believe this is a case of spam or fraud and request an investigation into their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please have this account corrected : XXXX XXXX XXXX
Product: Debt collection

I cancelled my account with XXXX in XX/XX/XXXX. My last bill was not received until XX/XX/XXXX through paper mail because I was previously enrolled in paperless statements. XXXX placed late charges on my account. I called XXXX on XX/XX/XXXX to dispute the amount. I negotiated the amount to XXXX dollars and was promised by a XXXX representative over phone that the rest of the charges will be waived. This was not the case. I later received mail and email from AmSher Collections that my account was still owing money and continued to accumulate late fees each month. I called again on XX/XX/XXXX to XXXX and was reassured that the balance on my account will be taken care of by another representative. This was not the case.On XX/XX/XXXX, I received a message from the credit bureau that my account with XXXX was reported as delinquent which negatively affected my credit score. I called XXXX XXXX on XX/XX/XXXX and was told none of the prior promises was documented and voice recording was not immediately available. I have to pay all the late fees amounting to XXXX dollars. I paid the full amount but was not able to get a statement from XXXX stating my account balance is now XXXX. The XXXX representative/supervisor also can not give me any details on what happened that caused a huge discrepancy between what I was promised on XX/XX/XXXX and XX/XX/XXXX and what was documented and stated he would try to get the voice recording of the prior 2 phone calls that happened on XX/XX/XXXX and XX/XX/XXXX. I was later told by the supervisor XXXX that my XXXX dollar fee would now be waived and I will receive a refund. However, the damage this delinquency imposed on my credit score is unacceptable. I am planning to buy a home in the near future using a bank loan, this would causesignificant problemsfor me to get a loan. 

I sent communications to AmSher Collections about the disputing the amount but I did not hear back from them about the dispute result. All I received was the notification from credit bureaus about the publication of a delinquent account.
Product: Debt collection

XXXX XXXX XXXX The reported opening date of XX/XX/XXXX, is incorrect. 
Given that the account is not mine, nor have I ever been associated with it, Last recorded activity on XX/XX/XXXX, It is implausible because the account was removed before that date, and you are the sole agency reporting the debt. 
The balance of {$2400.00} Is invalid as this is attempted to be collected twice by two separate companies who both believe its valid meaning they are not actually reporting accurate information.The existence of a balance for an invalid account that does not belong to me is inconceivable. 
Conflicting balance of {$2000.00} and {$2400.00} Conflicting balances are evident. TransUnion validates the debt at {$2400.00}, while XXXX reports it at {$2000.00}. Both contradictory figures are deemed accurate. This suggests that the file is not undergoing thorough examination. 
Divergent dates of account opening Divergent dates of account opening are noted. TransUnion states the account was opened on XXXX, whereas XXXX records it as XXXX. This suggests that the file is not undergoing thorough examination. 
Past due amount is incorrect The past due amount for TransUnion and XXXX is stated as {$0.00}. However, the company is persistently pressuring the consumer for payment. Moreover, the file has already been removed from XXXX. 
Conflicting Last payment date The last payment date is recorded as XX/XX/XXXX by TransUnion and as XX/XX/XXXX by XXXX. These conflicting dates indicate a failure to validate the file to meet correct FCRA standards.
Product: Consumer Loan

I refinanced my auto loan with USAA with my father as co-signer in the auto loan. As part of the part I add extra insurance called a Debt Protection Coverage which covers if I or he become XXXX and/or dies the loan is paid in full after the 30 days waiting period. There was clause in the Disclosure of the Coverage that the only way that the coverage could be canceled is that the primary ( me ) dies or that I submit in writing that I want the coverage canceled. Unfortunately, my father passed within shortly after the signed that contract with USAA. My family and I received condolences from USAA and thanking us for my father service in the military. They requested a copy of my father 's death 's certificate. Of course, we complied with the requested because at the time it seem that financial institution request an official copy of the death certificate. In the process without any notice, USAA cancelled the Debt Protection Policy on the Auto Loan. I did not send in any document to try to active the policy on my father behalf this was some that they did on their own. I have contact their numerous times requesting documentation on why the policy was fraudulently cancelled and I have been hung on or place on hold for over 1 hour and half. I 've even went into the bank to the teleconference banking and they refuse to send me the documentation as why the policy was fraudulently cancelled. Since the cancelation, I have been diagnosed with XXXX and been XXXX by my condition. This situation is ruining my credit and should not have happened because USAA acted on the account with my knowledge and still will not provide any documentation as to what the damage that they did to the loan/contract agreement.
Product: Credit card or prepaid card

I have applied for a credit card with HSBC bank to obtain their HSBC Cash Rewards Credit Card. I received and started using the card in early XX/XX/2018. A few weeks after using the card, it stopped working at stores and gas station. I contacted the number on the back of the card, I waited for over 30 minutes for a representative and wasn't able to get a hold of anyone. I tried multiple times and was not able to reach anyone. I was able to talk to someone on their online chat through their website, www.us.hsbc.com and they told me my card was suspected of fraud and they gave me their number to their fraud department. I called and had trouble getting a hold of anyone there also, and anytime I was able to get a hold of someone, they would transfer me to another department, I would wait over a hour sometimes and then the phone will just hang up. This has happened multiple times. 

I have spent {$150.00} on the card before it was frozen, and I was and still am not able to pay it off because of the suspected fraud. I talk to someone on the online chat and they could not do anything, they just told me to call their fraud department and they had to unlock my account. And I was even able to pay of my card until that happen. Then, my HSBC card was charged with a late fee for not paying the card. When I complain through the online chat, they said they could not do anything until I call their fraud  department in which I can not get a hold of anyone. I looked up on XXXX if anyone else has a similar experience as me, and it appears as dozens of people, over a hundred people have had the same exact problem with their card being frozen and then not being able to get in contact with a person. ( Link : XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX www.experian.com This company got my personal business credit report mixed up with my next door business credit report. My business name is XXXX XXXX located at XXXX XXXX XXXX XXXX, next door business name is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, IL XXXX. I bought my business as a contract for deed onXX/XX/XXXX and I paid off for that business on XX/XX/XXXX, at that date that business became mine and the title was transfer to my name. In the mean time the next door business been their since XXXX. 
Experian credit report company got my business personal credit report in bad shape and made too many mistakes by adding the wrong information to my credit report all those information were the other business info, example of some of those mistakes are, they said that I been in my business since XX/XX/XXXX that was wrong, I took over my business as XXXX XXXX on XX/XX/XXXX, They claim that I been in that business for 52 years I was born in XX/XX/XXXX, and that impossible to own a business at the age of XXXX years old, they claim that my yearly sales are {$140000.00} my yearly sales never exceed the {$80000.00}. I do have two business credit account one with the XXXX XXXX and one with XXXX both those account never been report it on my business credit report for the past 15   years. 
I did complain to the company Starting on XX/XX/XXXX, and furnish them with all the real documents that proof my allegation. Also I send them a copy of the business next door menu showing the name of that business as XXXX XXXX XXXX, and so far they refuse to fix their mistakes, and that hurting my business credit, and that effecting my income. 
I need your help to force this company to fix their mistake that they made with my personal business credit report.
Product: Credit card or prepaid card

My family and I were supposed to take a trip the summer of XXXX and due to covid the trip was canceled. We purchased flights from a company called XXXX XXXX XXXX. This company agreed to refund us our money for the flights due to the circumstances and never did. We purchased the flights with our discover card. I have attempted to call XXXX XXXX multiple times since the event and have resulted with XXXX resolve. I then contacted Discover and let them know about the situation and they said they had no control over how they were refunding. We have yet to receive a refund and this occurred in the XXXX. I have since called discover and XXXX XXXX approximately every Friday since XX/XX/XXXX. The amount at hand is {$2900.00} U.S. dollars. 

Discover continues to tell us there is nothing they can do. I continue to argue that we used the credit card to guarantee us a security blanket in case of any issue.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. 

In accordance with the Fair Credit Reporting Act, XXXX, Transunion and XXXX has violated my rights. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.SC 1681 section 602 A. States I have the right to privacy. 15 U.SC 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 1681a 5 Section States : no consumer reporting agency may make any of the following items of information or any other adverse item of information, other than records of crimes or convictions which antedates the report by more than seven years. 15 U.S.C 1681s : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that information is inaccurate.
Product: Debt collection

A debt collection company known as I C System collecting on behalf of XXXX sent an email with specific information regarding a debt owed to XXXX and disclosure I C System is a " Debt Collector attempted to collect a debt and any information obtained will be used for that purpose ''. 

I do not know how I C System obtained an email address associated with me, nor, have authorization to use email as a means to collect a debt. 

Furthermore, if an email is sent, it should be indicative of a personal/private message intended for the named recipient only, with details on how to obtain a personal/private message that has been masked for privacy. 

I believe this message violates the Fair Debt Collection Act since full disclosure of a collection matter was made visible to others accessing this email account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this bill for over a year. I have asked on several occasions for Experian to provide validation of how they verified the account belongs to me. I have not been provided any proof. Also the credit bureau gave the collector my current home address and I was only mailed a bill and threatened to be sued if I do not pay. This is not my bill did not sign any contracts for this account and have not been provided any information proving this is my account. This has caused my credit score to be low and unable to obtain credit.
Product: Checking or savings account

Complainant was appointed as Conservator of a XXXX person in XX/XX/XXXX. Conservator account was established at Citizens Bank. On XX/XX/XXXX, the XXXX person removed the balance of the Conservator account and opened a new personal account in her name Citizens Bank. As the XXXX person has been adjudicated incompetent to handle her personal funds, Citizens Bank should not have allowed this. On XX/XX/XXXX, the Conservator discovered the withdrawal when attempting to pay bills. She worked with a customer service person at Citizens Bank, XXXX, MA, and most of the funds were recovered. The XXXX person 's new account was also closed and the balance of {$130.00} deposited in the Conservator account. The bills were paid. 
The XXXX person filed a complaint of fraud with Citizens Bank, and Citizens Bank debited {$130.00} from the Conservator 's personal checking account and placed it in the XXXX person 's reopened account. 
Citizens Bank had no authority to debit the Conservator 's personal account for any reason. 
Everything done by the XXXX person was done over the telephone.
Product: Vehicle loan or lease

XX/XX/2019 I informed Credit Acceptance that this account did belong to me yet they delivered documents that were clearly result of identity theft as the application did not have my signature. Also requested a copy of driver license that was provided yet Credit Acceptance could not provide this as either. Credit Acceptance is continuing to inaccurately report incorrect information on to my credit file. Now I am requesting what date was such vehicle repoed and where was it repoed from. Also what remedies were used to contact me to make me aware of such. I am writing in regard to the above referenced accounts and transactions. 
This vehicle was repossessed by Credit Accpetance in the State of Texas on or about, a date that I am unaware of due to it was not my vehicle nor the signature on the contact is mine. However under the laws of the State of Texas UCC 9.506 and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX account 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

XXXX XXXX charged my account for a reservation that was canceled in an adequate time frame however my account was still charged for a no show reservation. When I called CHASE, the representative XXXX wNted me to wait 15 days for my provisional credit - to allow the merchant to return the funds of {$86.00} - which I have already called XXXX XXXX to return - to which they would not agree. 
Thus, Id be waiting 15 days for no reason. 
Not to mention - when I asked XXXX for her supervisor, she said there was none and would NOT tell me her employee info or locality, so that I could properly file a complaint.
Product: Mortgage

Ok so this is the third complaint After reviewing an email sent to me I have found that the insurance that Huntington has used to pay for the damages done to the home does not cover my detached garage that has damage done to The issue is that the insurance I signed for and Huntington messed up at the time of closing would of coved my garage so now bc of Huntington my garage roof has damage and isnt being cover because of their mistake Second issue the deductible for the insurance I signed for at closing was I think XXXX $ Well the insurance that Huntington used is 2000 $ so I lost XXXX $ because of Huntington Third problem My ceiling has water damage from the roof leak and it is not being cover bc the inspector said that occurred over time It it took forever for Huntington to figure out that they messed up and send an inspector out so while all this was happening my roof had damage that I personally went up and slowed down with tar to try to save my house Fourth I call and call and call and never get a call back Ive called XXXX XXXX XXXX XXXX XXXX XXXX XXXX All today and left messages Ive called XXXX 3-4 times in last two weeks and no call back Ive called her a few times over the last few months and no call back So when it says the damage occurred over time its not me at fault its the people never responded to my calls and Im tired of it All the money Huntington is going to make on the loan at 4. Some percent and they cant even fix their mistakes in a timely manner its disgusting how bad the treatment is being a customer I should of known not to use Huntington when I had issue before even buying the house
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored. 

Bankruptcy ( TransUnion ) XXXX XXXX Bankruptcy - Reference # : XXXX - Date Filed/Reported : XX/XX/year> Chapter XXXX Bankruptcy - Reference # : XXXX - Date Filed/Reported : XX/XX/year>