23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to file a claim against Innovate Loan Servicing Corporation, also known as Innovate Auto Finance, for their failure to report my auto loan to the credit bureaus. On XX/XX/XXXX, I took out an auto loan for {$34000.00} to purchase a XXXX XXXX XXXX XXXX, with an annual percentage rate of 20 %. 

Since then, I have made on-time monthly payments of {$830.00} through the platform ils.theinnovatecompanies.com. 

However, when I attempted to refinance my auto loan with a different company in the first week of XX/XX/XXXX, I was informed that my auto loan did not appear in my credit report. 

Upon checking my XXXX XXXX account, I discovered that Loan Servicing Corporation had not reported my auto loan to any of the three credit bureaus - XXXX, XXXX, or XXXX. 

I contacted the company on XX/XX/XXXX, and spoke to XXXX XXXX, who assured me that they would send emails to the credit bureaus to rectify the situation, and that they would call me back in two days. 

After a week passed without any communication, I called Loan Servicing Corporation again and spoke to XXXX XXXX, who provided me with the same response. She told me that the company would call me back, but they never did. As a result, I continued to lose money as I could not refinance my auto loan with a better interest rate. 

I called Loan Servicing Corporation again on XX/XX/XXXX, and spoke to XXXX XXXX, who informed me that the company had already sent emails to the credit bureaus. However, when I contacted XXXX and XXXX, they confirmed that they had not received anything. 

After speaking with XXXX XXXX, I requested to speak with his supervisor, but he refused to connect me. I called Loan Servicing Corporation again on XX/XX/XXXX, and spoke to XXXX XXXX, who provided me with the same information that they would contact their supervisor to resolve my situation. 

On XX/XX/XXXX I submitted a claim with the XXXX XXXX XXXX, and they tried to reach the company in several occasions, with no success. 

I am frustrated with Loan Servicing Corporation 's lack of responsibility and inability to resolve a simple issue. It is their responsibility to report my loan to the credit bureaus and follow the law, so I can refinance my car with a different company. 

I called XXXX again, and they opened a case number XXXX so that Loan Servicing Corporation could send my loan information via fax to resolve my situation.

I have made multiple attempts to contact Loan Servicing Corporation, and I am no closer to resolving this issue. I feel as though they are mocking me and disregarding my situation. I need to resolve this issue as soon as possible, and I request that the Consumer Financial Protection Bureau intervene in this matter. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Flagstar Bank existing morgage was refinanced to a new Flagstar Bank mortgage. 
Existing mortage had {$2700.00} in the escrow account at the time of closing on XXXX XXXX, 2020. 

We were told early on in the refinance process that the escrow balance could not be transferred to the new loan 's escrow account, it would be refunded to us and we would pay a new escrow amount as part of our closing costs. 

At the time of closing, we expected to receive the {$2700.00} refund check. 

On XX/XX/2020 a 'refund check ' for {$89.00} for 'escrow surplus ' far below the amount we were expecting. 

Upon review of the old mortgage activity, there is notation of 'payment to escrow ' in XXXX of ( negative ) - {$2300.00}. 

Upon further closer review of closing documents we signed on XX/XX/2020 there is no mention of any credit of escrow account balance anywhere. 

On XX/XX/XXXX, I spoke with representative from Flagstar who tried to explain that the amount was credited in the closing, but when I told her there was no mention of it in the closing documents, she referred me to the closing agent. at XXXX  XXXX. 

I contacted XXXX  XXXX, who told me that they would have had to have received the amount for the credit from Flagstar in order to include it in the closing, which they did not. She stated that she would then contact the Flagstar lending agent for more information and respond back to me via phone. 

All-in-all, there is no explanation of what happened to the remainder of the escrow balance in the old mortgage, Flagstar 's explanation of it being included in the closing is not valid, the closing documents mention nothing about it, and the mortgage settlement agent has no record of it. 

Flagstar 's account activity records that I can see via my customer portal are very confusing and do not match up to the amounts that the Flagstar representative I spoke with on the phone was quoting me. Their staff are unprofessional, and seem to want to pass the buck to their settlement agent company. Flagstar has been difficult to deal with through the whole process, passing us through numerous people, not getting back with us timely, having us sign documents numerous times to get the refinance process progessing.
Product: Credit card or prepaid card

Bloomingdale 's claimed in a prior CFPB complaint XXXX that the billing matter has been resolved and taken care of. Of course, this is further from the truth, the letter was dated XX/XX/2020, ten days later, I never received a supposed letter they referenced, nor has the amount been placed on the promotional plan as mentioned in the response letter. Placed order on Bloomingdale 's website dated XX/XX/2020 under order number XXXX, the item was solely for a watch, in the amount of {$590.00}. The purchase meets the threshold by the merchant to qualify under the 12 months no interest plan, provided you pay the balance in full during this period. Please have this balance transferred to under this plan.
Product: Vehicle loan or lease

I missed the second payment due, XXXX harassed, until they shut vehicle down and took it with all belongings still inside. Never received letter to resale, or told when asked balance to get vehicle. Within a month called had money to get vehicle back was told it had already been auctioned off. Never received court date, didnt receive letter that wages where going to be garnished until after wages had already been taken. Also I signed contract with XXXX XXXX XXXX didnt know anything about third party until after XXXX months calling XXXX XXXX  back to make payments and given the number. Its unfair to garnish my wages in XXXX for a vehicle purchased XX/XX/XXXX, 10 years and counting for a car, also paid money down for, and was taking due to XXXX late payment, and within a month sold leaving dependent defenseless and torched to pay for nothing in return, didnt have vehicle XXXX XXXX months. When sold the vehicle, it was never explained or told, that someone can rob a person in such way. XXXX was for XXXX it was sold again within 3 months. This is crazy a low income, mom of XXXX, inflation is high and a company took there vehicle back within the first payment month. At this point garnishment needs to be paid back plus pain and suffering. The main concern is the debt they are saying owed is exempt under state or federal law. 

In the state of Georgia, written contracts have a statute of limitations of XXXX years from the time the debt was due payable, but from the time of default. From your forms sent to me XX/XX/XXXX is when balance went in default. 

You are garnishing wages for a time-barred debt. Also for a contract that you breached, at the bottom of contract its states send a notice at-least 10 days of sale, and I had called in got payment owed, got money up within a month no letter, called and was told vehicle was already auctioned, then asked about my items that where in vehicle. Also my {$2500.00} down payment does not appear to account for anything instead it was added to the amount owed other than subtracted, so where did it go.
Product: Credit card or prepaid card

Issue : Capital One automatically lowered my credit limit and refuses to correct the issue. 

Details : XXXX XXXX XXXX *accidently* reported a non-payment on my credit report. This was made in error by them, and they corrected the issue on all my credit reports within mere days of the mistake being made. This mistake caused my credit score to drop a significant amount, temporarily, which caused an automated system at Capital One to cut my credit limit in half. I contacted Capital One and spoke to multiple reps, I got forwarded to managers, and advanced senior account specialists and I was told that even though the credit score drop was made in error, and they have verified that the score was corrected nearly the next day, they have no way to correct the credit limit drop. I was told by an one of the senior account people that I needed to put in a request for a credit limit increase to correct the issue, but was neglected to be told that can not be done for 6 months. 
The credit limit drop on this card has resulted in my credit score dropping by nearly 100 points, which will have financial consequences for me across multiple accounts if not corrected. 

Summary : A credit score mistake was made by XXXX which was corrected right away. Capitol One lowered my credit score due to the mistake, and claims it has no way to correct the issue now that it has been done, even though they fully admit that the credit score issue was a mistake and was corrected. This lowered by credit score nearly 100 points and will now cause more financial harm to me.

Desired Result : Capital One raises my credit limit back to where it was, and corrects/reverses the credit limit decrease on my credit score and this entire process was automated and done by accident.
Product: Checking or savings account

I had an issue with the my paycheck feature that allows you to borrow what you have already earned before your paycheck hits. I have used the service for 3 months and now it says I didnt receive my direct deposit into the system, which I did and it is cleared through the bank, and it isnt allowing me to use the feature. When I call they say Im over the limit of amount to borrow but I have not borrowed anything. Nobody can fix the issue, they continue to push me off saying it cant be fixed. I will be going to a different and more reliable banking system
Product: Vehicle loan or lease

Upon reviewing my credit report I discovered several information I didnt authorized I do not recognize I requested the credit bureaus remove this information unfortunately the credit bureaus refused them off. This issue is causing me stress and negatively affecting my financial standing
Product: Debt collection

I am writing to formally dispute this debt under the Fair Debt Collection Practices Act ( FDCPA ). Within XXXX days of your initial communication, as required by 15 U.S.C. XXXXg, I did not receive the required written notice containing the information outlined in that section. Furthermore, your communication practices have violated 15 U.S.C. XXXXc by contacting me at an unreasonable time, contacting me after I informed you I am represented by counsel ]. Therefore, I demand immediate validation of this debt. Failure to provide proper validation within XXXX days necessitates the immediate removal of this account from my credit report. Any further collection activity without proper validation will be considered a continued violation of the FDCPA.
Product: Vehicle loan or lease

XXXX XXXX sold to dealership in XX/XX/year> and Flagship credit is still reporting a balance as late payment. This balance should reflect {$0.00} and due to their negligence I want it completely removed from my report. I have a copy of the check and title as proof I do not owe on this car nor have possession of it. 

Flagship has terminated my account number preventing me access to dispute with customer service. 

The dealership confirmed they received the check for payoff loan amount.
Product: Checking or savings account

Ive opened the account online because Im the pandemic time everything was closed and they told me to do online. I received my stimulus check of {$1200.00} since I had no other bank and cant go out so I MOBILE deposited the check ( {$1200.00} ). After few days my unemployment money started coming in the account. In the meantime theyve placed block on my account for FRAUD. They didnt send me email, mail, or any call. I had no idea about it. I started working that time also because my bills and everything. 
One day I deposited {$90.00} in the account and couldnt get access to it called them since THEY DONT KNOW ANYTHING ABOUT THE ACCOUNT OR THE MONEY THEY KEPT FROM ME. 
I had {$1000.00} in the account when I call they keep transferring my call and disconnected. 
After 3 long months I kinda found out that they blocked my account for {$1200.00} check FRAUD which came from government. I have every single piece to prove that wasnt fraud. 

They are not working properly with me and kept my hard working money.
Product: Debt collection

There was a collection placed on my credit report by a company called Diversified collections without notifying me of a potential debt. I did n't even get any letter in the mail and they admit it they do n't have any of my correct contact information. Also the orignal debt was for a XXXX service that was suppose to be canceled back in XXXX XXXX and XXXX kept billing me until XXXX XXXX after we had canceled the XXXX service due to our office building be closed down and being converted over to condos. All the tenants in the building were forced to move out XX/XX/XXXX and att tried to say we had service until XXXX XXXX and yet they have notes of us calling in to cancel the service and transfer it over to our new address. Diversified consultants broke the law by not notifying me of this debt or validating it at all. Please have them remove it. The XXXX dispute tracking number is XXXX
Product: Debt collection

I sent letters to the actual company and all 3-credit reporting agency that for validation and to have this inaccurate information deleted from my credit report. The following tradeline item is inaccurate because you have inaccurate open date, inaccurate, comments and inaccurate date last active. By this being inaccurate on my consumer report this item need to be removed and deleted. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. The are in violation of the USC. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

The names and address on my credit report are wrong. i never lived at any of these address and none of these names are mine. these are the names that are wrong. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the wrong addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX texas XXXX XXXX XXXX XXXX XXXX texas XXXX These are they wrong employers. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informations inaccurate. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am writing to express my deep concern and frustration regarding the consistently delayed transfer requests from XXXX XXXX to XXXX XXXX for my XXXX XXXX XXXX XXXX XXXX ). Despite numerous attempts to expedite the process and diligent follow-ups, I have encountered persistent delays in the completion of these transfers. 

The purpose of an XXXX is to provide individuals with a means to save for medical expenses with ease and efficiency. However, the inefficiency and delays exhibited by XXXX XXXX  in processing transfer requests severely undermine the functionality and purpose of the account, leaving customers like myself in a state of unnecessary financial strain and uncertainty. 

Despite submitting all required documentation and adhering to the prescribed procedures for initiating transfers, as noted in the attached flier, the process has consistently been marred by extensive delays, resulting in prolonged periods of confusion. Not only does this inconvenience me personally, but it also raises serious questions about the reliability and competence of XXXX XXXX XXXX  services. 

I have initiated transfers since the XXXX of XXXX. Beginning in XXXX of XXXX, transfer requests began to be canceled outright or stopped processing. Transfers on XX/XX/XXXX and XX/XX/XXXX are such examples. 

The transfers initiated on XX/XX/XXXX and XX/XX/XXXX are currently active. Neither request has been acknowledged by XXXX XXXX. In fact, XXXX XXXX has informed me that XXXX XXXX simply refuses to communicate anything of substance, claiming something is defective in the request but due to privacy reasons, unable to disclose the issue to XXXX XXXX. When I call XXXX XXXX to determine the alleged defect, they have no idea that any issue exists and that I should simply have XXXX XXXX initiate another transfer request. Bureaucratically, this resets the clock on their inaction and gives XXXX XXXX another ten days to not act. 

I have been a loyal customer of XXXX XXXX since XXXX and have always expected a certain standard of professionalism and efficiency from the institution. However, the repeated failures to meet even the most basic expectations have left me deeply disappointed and disillusioned with their services. 

Moreover, the lack of transparency and communication throughout this ordeal has only exacerbated my frustration and the financial burden caused by these delays. I respectfully request that the CFPB intervene on behalf of consumers like myself and ensure that XXXX XXXX implements immediate measures to streamline their transfer process and prevent further delays and inconvenience.
Product: Money transfer, virtual currency, or money service

I wired XXXX to Gemini Trust Company LLC from my brokerage account to invest in some crypto currencies. 

I bought some crypto currencies called ethers. Soon after, Gemini restricted my account to bank withdrawals and crypto currency sales. This, in effect, forced me to sell my holdings. I did sell my holdings, even though this forced me to lock in some losses. Mind you, I paid commissions to Gemini on both buys and sells. 

Now Gemini won't allow me to withdraw my USD. My entire {$100000.00} has been stuck with Gemini since at least XX/XX/2023. 

I have send them countless support tickets, requests etc. They won't answer any of the requests. I have sent them XXXX instructions for my brokerage account so they can send it back. I have sent them ACH instructions. Nothing happened.
Product: Debt collection

Dear Aldous & Associates PLLC, I have received the debt collection you claim I owe. There is no proof of your written signature in the contract. The original creditor did not state in the contract that they would send my alleged debt to your company. I do not owe your company any debt. 

In fact, your company is not mentioned on any of the paperwork in the contract. Please provide proof that I XXXX XXXX XXXX owe you a balance. 

Under the Fair Credit Reporting Act ( FCRA ), inaccurate information on a consumer reporting profile must be removed in 30 days. 

Provide proof of your signature in the original contract. Failure to do so, you MUST DELETE this collection off of my consumer reporting profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXXXXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. The collection never shouldve been on my report to begin with as the bill was mailed to the wrong address. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains. I am trying to get a home loan and this negative mark is drastically effecting my ability to get the best rates. Please help me resolve this issue as it should not have been on my report to begin with.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Bank issued me a 1099 to forgive my defaulted debt of {$12000.00} in 2021 however they are still reporting a balance owed to my credit reports. 
This error is causing my credit scores to be XXXX points lower than my other two credit scores.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to contact XXXX, Equifax, and XXXX to have fraudulent information removed from my credit report. I am a victim of identity theft, fraud, and potential forgery committed by my son, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have submitted a police report confirming that I am a victim of these crimes, yet the fraudulent credit card from XXXX XXXXXXXX has not been removed from my report. This is a serious oversight on their part, considering I have provided proof of identity theft. 

Please assist me in rectifying this matter.