23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Arc Home LLC failed to release the mortgage I paid off approximately 2 1/2 years ago. I am selling the property and Arc Home LLC will not provide the release of mortgage to the buyer 's title company. Their failure to do so is interfering with my property rights. Dealing with the company and their mortgage servicer, XXXX XXXX, is a nightmare. 
I have made numerous calls, have spoken to many people, both at Arc and at XXXX XXXX, to no avail. 
Please help an aggrieved consumer so that Arc and XXXX XXXX might learn how to service a mortgage and a former customer. 

Thank you.
Product: Credit card or prepaid card

In a letter dated XX/XX/2023, Synchrony Bank arbitrarily lowered my credit limit for my Amazon store card to {$220.00} ( please see attached letter ). This, despite my credit card account being in good standing now and ever since I opened the account. As you will note, the reasons for this decision that are stated in the letter have nothing to do with my account status. As you know, a consumer 's credit score is drastically impacted anytime an action like this occurs. In my case, this happened as a direct result of the action taken by Synchrony Bank. I should add that I have had four credit accounts administered by Synchrony Bank : CareCredit ; Amazon ; XXXX XXXX and Dick 's Sporting Goods XXXX All of these accounts were, or are now, in good standing. In fact, my previous accounts with CareCredit and XXXX were paid ahead of time with no interest penalty. Several months ago, Synchrony Bank arbitrarily closed my XXXX  account despite my excellent payment history with that credit card. Finally, the credit score of XXXX indicated in the letter, as reported by XXXX, is incorrect based upon my score of XXXX by XXXX today. I am sure you are aware that XXXX is the least reliable of the three major XXXX 's, as the XXXX  scores reported by XXXX are always lower than they actually are. Banks and other credit issuers must be made aware of the negative impact that are caused to consumers when rogue actions such as the one I have described here are taken.
Product: Debt collection

Constantly calling me and calling my ( previous ) places of employment. Completely unacceptable. Asking my co workers about me and my last XXXX of my social security. This is coming from Midland Credit Management. It is harassment at this point. They need to move on and get over the debt they paid {$5.00} for.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX
Product: Debt collection

On XX/XX/19 I notified them in writing and faxed it to them that they can not call my work phone number- I am not allowed personal calls and I am also laid off of work and can not receive phone calls there. I also sent them in writing a letter from my references that they want to be taken off of the list and they are not to be called in regards to this debt. The letter was signed by the references. They continued to call. I then mailed the letter again to their address XX/XX/19. They just called my ex place of unemployment and also called a reference that notified them in writing that they are not to be contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have submitted proof to Equifax on more than one occasion that XXXX was supposed to fix the errors in reporting to my credit for XXXX XXXX XXXX XXXX of 2020. XXXX is still showing delinquent even though I submitted the proof its not being fixed
Product: Debt collection

I never received this credit card I called and was told the issue had been resolved. Yet the debt was sold to a collection agency.
Product: Credit reporting or other personal consumer reports

HI. There is a 2 Account on my credit report that do not belong to me I have disputed this with the bureaus and furnishers, and I am getting nothing back. I am spending so much time on these accounts, and they don't even belong to me I am trying to see why nothing is being done for this. I am reaching out to you regarding the compromise of my social security number. I have fallen victim to Identity Theft. I have already contacted the Federal Trade Commission and filed a complaint # XXXX, The following items is fraudulent Account and were not authorized by me : 1. Fraudulent Account : XXXX XXXX  Account opened : XXXX Account number : XXXX XXXX : XXXX XXXX  Date opened : XXXX Account number : XXXX Please block and remove these fraudulent Accounts from my credit report. Thank you. According to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which states that this account must be removed within 4 Business Days of receipt, Thank you
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/XXXX, I decided to use Western Union to send an international money transfer for charity purposes. I proceeded to fill out the application online, which was somewhat difficult. I had messed up the name. Western Union would not fix the problem the first time I called on Thursday. I called back Thursday to cancel my transfer. The guy I spoke with stated he cancelled the transfer. Now, this morning I noticed it was not cancelled. I called once and got tired of waiting on hold for 25 mins. Then, called a second time to cancel my transaction. A XXXX, who I spoke with, said all I have to do is send my ID and my check/debit card to XXXX. I did as he said, and they still refused to refund my money! They said I need the receivers information. I'm trying to cancel my transaction not send the money anymore since I have been lied to twice by customer service, and that I messed up the name by putting two first names instead of last name. They still refused to refund my money. Each time I have spent on hold waiting, 20 to 25 mins only to hear false promises of refunding my money. The amount is XXXX and the transaction code is XXXX XXXX XXXX for Western Union to track.
Product: Checking or savings account

I went to Chase ATM deposited a rent check from tenant to my personal checking with Chase. The rent payment check was drawing from local bank ( XXXX XXXX XXXX  ). The ATM did not give consumer the option to accept or decline the deposit with a hold but next option. It went through with a hold caused my funds got delayed for 2 days. I went inside to talk to the local branch manager and he told me I have to call the ATM customer service since it's was deposited at the ATM. I was on the phone with ATM customer service for 1/2 hour and I was told they couldn't help me due to it's still in pending status. They told me to call back the next day so they can evaluate my situation before the hold can be released. This is lack of clarity and accessibility to our funds at the ATM. They should have the option to give the customer if there is any hold on the deposit so we can make decision.
Product: Debt collection

In XXXX 2017 i purchased a phone for my girlfriend at the time through XXXX. On XX/XX/XXXX I found out she transferred to XXXX and she said XXXX paid XXXX off for her business and turns out we owed XXXX like XXXX dollars for the phone because XXXX technically didnt buy her out. I was really unaware of all of this until it was too late. I had been paying XXXX monthly for her not knowing we owed XXXX. I received the collection letter and I immediately jumped into action and started making payments on the debt. I only owe about 100 dollars now and should be taken care of this month and Id really appreciate if I could be forgiven for this misunderstanding and if I could have the derogatory remark taken off my credit report. If you see my credit report you can see Im very responsible and that this never happens. I have 100 % payment history.
Product: Checking or savings account

Chime has seen that a fraudulent report has came out of my account. And yet they still choose to hold me responsible after proof and a copy of a police report was shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute for a company named XXXX XXXX XXXX, this company says I have a balance. This company was under my bankruptcy and it has since been discharged.
Product: Student loan

I attended in late XXXX, and partly in early XXXX. I found out I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would never be able to finish. I attempted to go to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I realized I was lied to, they tacked on more to pay, yet I paid anyway because I didn't know what to do, from XXXX to XXXX. I had a bankruptcy and haven't been able to pay since. I have applied to have them XXXX on XX/XX/XXXX. I haven't had any information or change since. I would appreciate some forward stance about the loans status of discharging. Thank you.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$540.00} ; XXXXXXXX XXXX XXXX XXXX  Balance : {$13000.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$390.00} ; XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$310.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  ; XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called Armor Systems Corp., a debt collector, to inquire about the contact information for XXXX XXXX. XXXX ( the debt holder ) so I may proceed with verifying the actual debt. I spoke with a manager, XXXX XXXX. She refused to give me the contact information for XXXX XXXX, belittled me, used a condescending tone, was nasty, mean spirited, and down right verbally abusive. Her level of unprofessionalism was shocking. Her abusive words brought me to tears. XXXX told me that she " would not give any information until I pay them some money ''. Thousands of people do not have health insurance/coverage in this country. Having medical debt should be handled with care and empathy, not ridicule/judgement or threats.
Product: Debt collection

On XX/XX/2022 I sent out a Debt validation letter as well as a Cease and Desist letter by certified mail stating I XXXX XXXX XXXX, consumer, and natural person am aware of all rights that I have and which are protected by Congress under the Fair Credit Act ( FCRA ) And as the consumer and natural person I am exercising my rights Pursuant to 15 USC 1692g ( b ) I have right to dispute this debt. As stated in my cease and desist I am also invoking my right not to be contacted by no other means but through written mail. Goldman Sach Bank has violated my cease and desist by continuing to harrass me by phone attempting to collect on a debt that is in dispute. I am disputing this alleged debt within 30 periods prescribed under 15 USC 1692g my failure to dispute the validity of this alleged debt can not be construed as admission of liability by any court.
Product: Mortgage

I requested PMI be removed around XX/XX/XXXX because I had paid down my loan of XXXX to about XXXX balance left. The house is a brand new build finished in XXXX The mortgage company gave me a hard time and finally on XX/XX/XXXX, issued a letter stating that I needed to have an appraisal because it is a XXXX designated XXXX XXXX and also needed to prove I brought up market value with a substantial improvement ( because the loan in under two years old ). My closing documents never stated that requirement. I understand an appraisal but at this point, it should not be required. They are asking that I prove that the house is worth more than XXXX or so. Reality speaking, the house is still standing and there are no damage claims on insurance. Realistically, the loan left is only about 33 %, so with the XXXX so low, why are they not waiving this requirement? Nowhere can you get a waterfront brick home under XXXX. Regarding the substantial improvement piece, why would someone substantially improve a brand new home? The mortgage company has put me in a lose lose position where I am below market value because of the economy ( builders selling new homes for less ) and that I can not prove substantial improvements listed to a brand new home. The only fair resolution to this because the XXXX is so low, is PMI removed without those two requirements. They called me again today XX/XX/XXXX to ask if I wanted to move forward with their appraiser. I dont think it is fair to me with such a low loan balance left. PMI is almost as much as principal. It is a money grab at this point with such a low balance left.
Product: Mortgage

On or about XX/XX/2022 I sent my mortgage company ( Selene Finance ) an insurance check made out to myself and my husband for endorsement. 
On XX/XX/2022 Selene acquired my loan from XXXX. My claim was XX/XX/2022. I sent in all of my documents for the initial payment which is XXXX XXXX of the check amount which totaled XXXX. Selene mailed us the check with our contractor name on the check and he lives out of state. He made a trip signed it and left back to his hometown. We went to the bank to deposit it only to find out that the bank needed him to be there. His name should not be on the check and I don't need to be monitored. I am not delinquent in my mortgage payments and I have owned my home XXXX. We have to travel to his hometown just to deposit the check. This is causing us XXXX to fly and return home the same day because we have XXXX Selene has caused us nothing but XXXX. Our home is not liveable we are losing income because it's our rental. All we ask is the SELENE not put our contractor name on our check. My husband and I are the people who has been paying the insurance on our home and paying the mortgage. The contractor is who we hired and should have no interest in anything EXCEPT getting paid for his services. This is an Unfair practice for consumers who are not delinquent. Something has to be done about this practice when it comes to insurance checks. No contractor should be listed on the borrower claim check!
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up with this company to help resolve debt load and pay it off. They collected my money for months and did nothing. It has ruined my credit. Then they finally admitted they only negotiate settlements when they get enough in thier accounts to pay off a debt. It doesn't work like XXXX where they will make payments and help settlement on the accounts.
Product: Checking or savings account

A few years back, I crashed my motorcycle while trying to do a stunt, the wreck was on my block, with witnesses. I hit the street surface, face first, shattering most of all of my teeth, all that was left was sharp jagged pieces, that would cut up the inside of my mouth so bad, with just the slightest bit of movement. I didnt have the fiat/currency to have the work needed to fix them, so I used different social media sights to get donations for the XXXX, Dr. bill was XXXX total, XXXX to start. After a couple weeks of total XXXX, and hours of praying, crying myself to sleep most nights, I went to the Gas Station by my house to check my account, and it was frozen and had a little over XXXX dollars in it, confused I called BofA and asked why, they said it was standard procedure, to flag an account when a sum of XXXX or more is deposited, Im not sure if they meant at once or period, when it adds up to it. They gave me a # to the F.B.I fraud department, I spoke to a lady, told her my side, and she said I would be getting a travelers check. Instead they kept the $ and closed account, and I havent been able to open or even get a prepaid card, tried to ask why, Manager just said call the same # F.B.I. I was blessed and was able to get half the work I needed. Still need the other half of payment to finish work. From all of the cuts, I ended up with XXXX XXXX XXXX XXXX XXXX for along time, thus being the reason for such time, what they did just isnt right, fraudulent even, with total disregard to someone elses well being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked Experian to update my profile several time regarding my name and address. I sent my ss card along with my utility bill as proof of my address and the correct spelling of my name. They are still reporting XXXX XXXX XXXX XXXX  NC and XXXX XXXX XXXX XXXX XXXX  nc. Which are both inaccurate. For reasons due to fraud, I need the bureaus to reflect XXXX XXXX  and XXXX  XXXX XXXX XXXX  NC XXXX.
Product: Credit reporting

I recently wrote and sent out dispute letter, including copy of my credit reports, with my other documents. I 've notarized, and certified by mail sent to Experian Credit Bureau three times. And I received investigation results letter by mail and Experian still refused to deleted inaccurate on my credit report.
Product: Mortgage

I sent my regular payment of  XXXX  in which was not enough due to increase our on escrow. We did not recieve notification of what the new payment would be from the mortgage servicer. Af ter speaking to Ditech the mortgage servicer they would n ot reverse the late fee of  XXXX  and refuse to follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB It has been over a year now that i had i notice a collection account wrongly reporting on my consumer report. I disputed the account as been inaccurate. XXXX, XXXX  and XXXX deleted the collection account because they had investigated and found out this above named collection account has been reporting inaccurately on my credit. Transunion on the other hand kept telling me that that same account was verified as been accurate. I then noticed that the personal identifiers linked with the account were not mine so i sent a new dispute out to Transunion requesting investigation and deletion of those erroneous personal identifiers. TransUnion has investigated and deleted those identifiers but has kept that collection account on my credit report. i had sent out a letter to Transunion demanding that they provide me with they process of ensuring accuracy of the above mentioned account. Please review the attached copy as you will find out that Transunion has not provided me with a process of ensuring the accuracy of the collection account and has not even properly investigated the account otherwise they would have found out that this account is reporting inaccurately and delete it just as every other credit reporting bureau did.
Product: Credit card

On or about XXXX XXXX, 2015 ordered a XXXX computer from XXXX, by telephone. XXXX charged on my Chase Visa card {$540.00} for the purchase of the XXXX computer which was to be shipped. Never took possession of the item. Disputed the charge same day I received my XX/XX/XXXX charge statement. On XXXX XXXX, 2015 XXXX sent me an email that they had credited my XXXX account for {$540.00}. I shared the email with Chase in reference to the dispute. Chase advised that it would take two billing cycles to make my dispute credit permanent ( advised this by no fewer than XXXX CSR 's, since they did n't show the credit from XXXX. Two billing cycles have past and Chase now says they have charged XXXX back -date undetermined, but the credit to my account remains as a temporary dispute credit for an indeterminate amount of time. Spoke with a XXXX XXXX, supervisor in disputes, " Dispute Department in XXXX XXXX, TX '', on Monday XXXX XXXX, 2015. XXXX XXXX told me that they must give XXXX ample time to respond, despite XXXX 's email to me and failure to respond to Chase since XXXX XXXX, 2015 and today being XXXX XXXX, 2015. XXXX XXXX refused to allow me to escalate my call, nor to give me a time when this credit will become permanent. He apologized, but said that this would remain open until they deem that XXXX through their merchant banking bank has had ample time to respond, but they apparently have no decision date or will not share it with me. There seems to be no end to the permanent resolution of this matter, and I have been blocked from escalating this matter at Chase. I classify this as lost money until the credit becomes permanent.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question that listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Report Act, 15 U.S.C 1681g, I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ). 

By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted Name Of Account : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, AL XXXX Date : XX/XX/XXXX Hard Inquiry not recognizable by account owner. I did not verify this hard inquiry myself. 

Name Of Account : XXXX XXXX XXXXXXXX XXXX. 

Date : XX/XX/XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX Collection has been paid by account owner. 



Name of account : XXXX XXXX XXXX Date : XX/XX/XXXX Balance has been paid off by account owner. 



Name of account : XXXX XXXX ( Auto Loan ) Date : XX/XX/XXXXXXXX  Account number : XXXX account is closed. 

Collection has been PAID OFF BY CREDITOR.
Product: Debt collection

The company FED LOAN SERVICING whose address is XXXX XXXX XXXX XXXX, PA XXXX has already deposited a 1099-C for the amount of {$20000.00}. I need my account updated to reflect that all payments have been paid as agreed.