23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX and XXXX XXXX from fairway mortgage Im XXXX, XXXX  are two of the most inexperienced loan consultant and loan assistant I have ever encountered. I lost out on XXXX do to an inspection and appraisal on a home they could not get me financed for all because they never bothered to look at my documents that they have had since XX/XX/2023 before sending me to underwriting and putting me under contract on this house that is {$310000.00}. Once the underwriter received the file they called and told me it was an issue with my taxes and I needed a co buyer then a week later it was my DTI was too high I still needed a co buyer. I applied for this loan on my own so if I could not be financed I dont have a loan they then did not want to provide proof that my loan was not approved or denied but that I withdrew my loan. Which now has turned into an issue with me getting my {$3000.00} earnest money back from the seller because they could not finance me. They are in experienced and unprofessional and I will exercising my rights due to them not doing their due diligence from the very beginning and pre approving me correctly and reviewing me documents to ensure I could afford such house before a contract was signed. I lost out on money, time away from work and that are trying to force me from getting my 3,000 back. I finally received my pre approval letter after I was already under contract and underwriting denied the loan still due to my DTI because the loan officer did not do his job.
Product: Debt collection

I have a collection company attempting to collect a debt from me that was the result of identity theft. I never had XXXX as a phone company and yet this company has been relentless in trying to collect a debt thats not mine. Somebody falsified my information and the original company sold the debt to a collection company instead of removing it since it was the result of fraud.
Product: Credit card or prepaid card

In early XX/XX/XXXX, I opened a dispute for a transaction on my Citibank credit card. The dispute amount is {$300.00}, which was for a down payment for transporting my automobile from California to Iowa ; ultimately, the merchant never provided the auto transport service. As of XX/XX/2020, Citibank has not yet resolved the dispute. 

At XXXX on XX/XX/2020, I received a phone call from an automobile transport company ( the " merchant '' ). The merchant gave me a quote of {$1300.00} to transport my automobile from CaIifornia to Iowa. I initially agreed to to the quote and provided my Citi credit card number to the merchant, and the merchant charged {$300.00} as a down payment. 

At XXXX XXXX  on XX/XX/2020 ( 28 minutes after I hung up the phone call above ), I called the merchant to cancel my purchase. I wanted to cancel it because another company offered a {$1000.00} quote to transport my car from California to Iowa. The merchant initially refused to cancel it, saying that the automobile transport service was already being processed. Shortly after, the merchant proposed to cancel it with a {$60.00} fee, so that I would receive a refund of {$240.00}. I agreed to their proposal. 

At XXXX on XX/XX/2020, the merchant called me and said that they will not issue a refund of any kind. The merchant stated that either I ship my car with the merchant for {$1300.00} or I will not receive any refund on the {$300.00} down payment. The merchant was aware that I received a {$1000.00} quote from another automobile transport company and stated that " Good luck finding a driver for {$1000.00} ''. Ultimately, I shipped my car from California to Iowa via another automobile transport company. 

When the {$300.00} transaction posted on my Citibank credit card ( in earlyXX/XX/XXXX ), I called Citibank to open a dispute. The reason for dispute was that the merchant refused to issue a refund for a purchase that was never fulfilled. I provided Citibank a written proof that my automobile was transported via a different company. Moreover, I clearly explained to Citibank that all my interactions with the merchant occurred via phone. I've never received an invoice or any other document from the merchant. However, Citibank requests that I provide a written evidence that I cancelled the purchase from the merchant. On the other hand, the merchant failed to provide evidence that they provided service of any kind in transporting my automobile. It's been nearly three month since I opened the dispute, and it is still not resolved as of XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has failed to correct an egregious error on my credit report for over one year. I have filed FIVE total requests to dispute and re-investigate and have submitted evidence that both my hard copy credit report they've recently sent as of XX/XX/XXXX, is also incorrect. 

There is a " new late payment '' now showing up on my credit report for a debt settled with XXXX XXXX one year ago. 

Experian has violated my rights under the Fair Credit Reporting Act. 

The Debt was with XXXX XXXX for the amount of {$2900.00}, paid in settlement and has a zero balance as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made arrangements to pay XXXX XXXX {$1500.00} to settle my debt intermittently they sold the charged off the account the next day. I paid their collection agency {$1500.00} to update. They sent me a letter saying that this would satisfy my loan and it would be listed as paid and not charged off. However after 10 attempts it is still showing as a charge off with a {$0.00} balance. That is the same as it reflected prior to the payment or dispute. If a creditor does not have to update your credit file to accurate information why would consumers pay their debts off? This is hendering me from getting utilities and a home for my kids. Please help me. 

I am also having the same issue with XXXX XXXX whom I paid in full even though the judge ordered my ex husband to pay and XXXX  continues to allow them to report this as 60 days late when it is indeed paid in full and closed.
Product: Credit reporting or other personal consumer reports

In the course of reviewing my credit report, I spotted some erroneous and fraudulent accounts that need reporting and correction through your company. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

Exsprian credit reporting company l have had on going disputes has not yet been resolved. against a companies name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company had huge settlement in pass against this Company in tName changed this. Company XXXX XXXX XXXX XXXX XXXX ) well known things such as overpayment. Inaccurate payments reporting .which l have provided enough evidence. that changes on my account should been made .l have payed on time to XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX my credit score were decreased due to this inaccurate reporting Experian requested month of XX/XX/year> Experian. Credit report .provide evidence that payments history were made. Full. Which l Provided print out months l made these payments payed in full. Insteadcharges made on my account months questions XXXX XXXX XXXX XXXX .l received nothing but ongoing disputes. My attorney XXXX XXXX firm requested aswell. XX/XX/year>. I received another result letter which again .stated incorrect information reported by XXXX XXXX XXXX XXXX XXXX Instead of Experian making nessary changes that was question the months missing off the report again XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that not accurate finding this inaccurate information .Which has caused negative change in the credit scores I been paying working on for my scores to increased .. not show range same every month. Which has been question about Experian. Credit reporting regarding my scores arrange same every month after hire credit specialist
Product: Credit reporting or other personal consumer reports

The adverse rating on my account is a source of deep concern. I'm gravely worried about its detrimental effects on my credit standing. This negative mark has already led to the rejection of a recent loan application and escalated interest rates on my current credit accounts. The financial hardship and emotional toll this unfavorable rating has inflicted, and will continue to impose until resolved, are significant.
Product: Mortgage

I closed on my Bank of America home loan on XX/XX/2020. After several attempts in person, over the phone and on social media, Ive had enough! The complaint is that they are holding my overpayment from the payoff of the mortgage and they have yet to send me a satisfaction of mortgage and the excess funds. Bank of America is a conglomerate and here I am barely surviving! Every time I contact them they tell me someone will reach out and they never do. Im seeking in excess of what they owe for what they have done to affect my life.
Product: Checking or savings account

Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that ( Bank OF America Georgia XXXX has verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by ( Bank OF America Georgia ). 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted at ( Bank OF America Georgia ) regarding this alleged account. I am formally requesting a copy of any documents provided by ( Bank OF America Georgia ), bearing my signature, showing that I have a legally binding contractual obligation to pay them.

A bank employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting.

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the state of Georgia Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit reporting or other personal consumer reports

I have identified inaccuracies on my credit reports from XXXX, Equifax, and XXXX regarding the following issues : Unauthorized Inquiries Late Payments Collection Charge-Off Account Despite my efforts, these inaccuracies remain uncorrected, which is negatively impacting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Money transfer, virtual currency, or money service

I noticed that there was a XXXX dollar transaction cancelled on my Western Union account with the last four digits of a card number that I do not recognize. I immediately noted that my account must have been hacked. Thankfully, while no money was transmitted under my name, I was concerned about the breach and reported this promptly to Western Union. I was provided a ticket number XXXX, and advised that there would be an investigation. I was not contacted anymore thereafter. I desire to know what has transpired since that time.
Product: Credit reporting or other personal consumer reports

I obtained an copy of my credit report noticing that there are several errors being reported from the credit bureaus requested signatures, original application or any documentation stating that this belong to me and the companies never confirmed the documents. Therefore, I would like you removed from my credit profile immediately. 

XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXXnauthorized XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2021 I received a vague threatening letter from CCB ( Credit Collections Bureau XXXX XXXX XXXX XXXX XXXX, SD XXXX ph # XXXX XXXX XXXX ) saying that I owed them money. There was a vague charge listed on the back of the bill of an amount of a supposed medical bill from a hospital with no date of when these supposed charges occurred. There was also a separate charge of " interest '' with a huge amount, almost as much as the principle, supposedly owed. ( Medical bills do not accrue interest and the hospital doesn't charge interest on medical charges. I called the hospital and asked. ) The hospital didn't know what charges I was referring to, and said they don't charge interest on medical bills. ( I didn't pay any medical bills on credit cards the supposed medical bill charge came right from the hospital. ) I called CCB on XX/XX/2021 and was hung up on multiple times by CCB reps when I asked where and when the charges originated from and where and when the supposed interest charges came from. The CCB rep hanging up on me is CCB admitting guilt of making up charges and trying to scam me. I finally did get two scam reps to speak with me, one quite threateningly, who I spoke to lastly. The first scammer rep of CCB I spoke to described how CCB 's scam works. The CCB rep admitted to me that CCB makes up " charges '' and then " assesses '' fraudulent " interest charges '' to every " account '' and then CCB reps try to collect on it. The CCB rep then tried to collect the fraudulent " charges '' from me, and when I refused he hung up.

I called back and talked to a different rep of CCB. The scammer rep of CCB on the phone then threated to sue me if I didn't pay the whole " bill '' by phone right away. He then thre
ated me, saying he would add more " interest '' to the " bill '' if I didn't pay the full amount " owed. '' The CCB rep then stated that CCB will ruin my credit if I don't pay. When I refused to pay, the CCB rep hung up on me. Both CCB reps I spoke to said that managers " were busy '' and refused to transfer my call. 

I called CCB again the next day ( XX/XX/2021 ) and was hung up on. CCB reps hanging up on me is CCB admitting guilt of making up fraudulent charges and trying to collect them. It is an admission of guilt on CCB 's part. 

I called CCB again the next day ( XX/XX/2021 ) and spoke to a CCB rep who confirmed this is how CCB operates and when I said that CCB is ruining my credit, the CCB rep stated on the phone about CCB, " it is always their fault. '' " It's always their fault. '' This CCB rep openly admitted twice that CCB scams victims all the time and ruins the victim 's credit. When I asked to speak to a manager the CCB rep said he would " place notes on my account '' and then he hung up on me without transferring me to a manager.
Product: Debt collection

I received a letter from the National Credit System INC, regarding a debt of {$4300.00} from XXXX XXXX XXXX. The debt is in reference to 4 months of rent free living for a year long lease. I moved into XXXX XXXX at the end of XXXX  XX/XX/XXXX. They misrepresented them as XXXX XXXX. The agent that worked with me was XXXX XXXX from XXXX XXXX XXXX Upon moving in it was clear that the apartments were section 8 housing and not XXXX. On XX/XX/XXXX, I was threatened and assaulted in the XXXX XXXX XXXX  private parking garage by another tenant. I called 911 and filed a police report. On XX/XX/XXXX my father and I went to meet with the management of the building, meeting with XXXX XXXX. I explained what happened and how I was scared for my safety. There was no action taken on the management side. Management refused to follow lease protocol against the offending tenant. With no action being taken I was required to move out for my safety. I was aware that I would lose my deposit. After moving out I received an email from the management on XX/XX/XXXX, requesting payment for the concession rental incentive. I responded by disputing their claims. I did not hear anything back from them. I was shocked to have received a letter in the mail from a collections agency more than a year later. I thought this matter was resolved as I provided proof that management was negligent of my safety and moving was not by my wrong. I also got no notice to have the ability to contest this matter until this collection letter.
Product: Debt collection

I filed a complaint against the AARGON COLLECTION AGENCY regarding account number XXXX that they reported to XXXX XXXX XXXX as a debt from XXXX XXXX. In my complaint through CFPB they provided a response stating that they sent Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on XX/XX/2023. 
Our office received no I have yet to receive any notice of debt. They also explained that they received my dispute but claimed it was through CFPB when I filed a dispute through XXXX and XXXX in which they failed to provide any information to XXXX that verified my identity and the account was removed. XXXX allowed the account to stay because per there rep they took the word of Aragon that they had verified the debt. When in fact Aragon hasnt verified anything. The address that Aarogon stated that service was provided to is the same address that XXXX has that came from fraudulent transactions that were put on my credit report. I have never lived at XXXX XXXX XXXX XXXX and I have never known anyone at that address. My credit report reflects this information. Aside from XXXX and Aragon reporting fraudulent accounts this address would never show on my credit report. I have an identity theft report that was filed and I will attach it with names and addresses used to obtain credit in my name. I am asking that Aragon agency and any subsidy of this debt collector will remove all information from my credit report that they are falsely reporting or I will take further legal action. The unfair debt practices that this company has taken to lie and fraudulently collect debt has tarnished my name. XXXX extended credit to fraudsters and therefore stated in there CFPB complaint that theyve since removed accounts due to there negligence. I am asking that aarogon follow suit as they have purchased a debt that was a result of identity theft.
Product: Bank account or service

In XXXX of 2015 I went into a chase branch to open an account. My partner ( a male ) also has chase. We XXXX wanted to have the same banks to allow for easier management. When I tried to open a checking and savings account I was told there was an account already opened up under my name. The rep told me if the account was not mine, which is was not I would have to file through their fraud claims process. Here we are now 7 months later, after chase has put me through hundreds of phone calls to them, endless paper work and documents etc. Chase made this process nothing but easy, all the reps that I would work with at their executive office would never call me back. I would have to call daily and follow up on the account. Finally I got confirmation from Chase bank telling me that they approved my fraud claim and was not liable for anything and non of this would effect me. I was last speaking with a man by the name of XXXX and a woman XXXX XXXX. XXXX XXXX knew my situation and told me once the fraud case was approved in my favor I would be able to open an account. Why would I go threw 7 months of phone calls with Chase and letter and constantly following up with them for no outcome? XXXX XXXX told me once the fraud claim was approved that she would reach out to the chase branch and inform them that it was ok for me to open the account. This was about a month ago. Finally after leaving XXXX about a dozen voicemails I never got a call back. So I went to Chase.com and opened the account online. A few days later chase canceled my account. When I called in to Chase executive offices to find out why after they promised they would open they gave me a whole different story. I called to the main number and spoke with a man named XXXX he told me that XXXX was on leave. He told me that I was a risk to the bank and that the bank did not want to do business with me. I said how is this possible? I said Chase put me threw a difficult fraud claim process over 7 months, Chase told me the account was not mine and confirmed it was opened fraudulently. XXXX could not really answer my question, other than to say that It was Chase 's compliance department that would not let me open the account because I am a risk because someone opened up an account under my name. This makes no sense to me! I have been more than pacitent. It is not apparent to me that my initial concerns of Chase trying to discriminate against me as a XXXX male trying to bank at the same bank as my partner are true. How can I be responsible for an account that someone else opened up under my name. Chase is clearly discriminating against me as a XXXX male. Please see attached paper work for the approval letters.If Chase does n't comply with what they promised I have no choice but to turn to social media and let the world know how Chase treats their XXXX customers. I will reach the TV stations, media XXXX etc.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX You are in direct violation of the Fair Credit Reporting Act ( American Express account numbers XXXX & XXXX. XXXX XXXX account number XXXX, XXXX XXXX ), has violated several of my rights. 

15 U.S.C. 1681 SECTION 602 A. CLEARLY states that I have the right to Privacy.

15 U.S.C. 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C.1666B : A Creditor may not treat a payment on a credit card under an open-ended consumer credit plan as late for any purpose.