23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was forced to start an application with Eagle Home Mortgage by my builder. I did not want to use them, told them I wsnt going to use them but they said i had to or they wouldnt sell me the home. Builder is : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX  Their lender pulled my FHA Case number and now refuse to release the case number to the lender I was always going to use, XXXX XXXX XXXX XXXX XXXX.

the lender refusing to send or release my FHA case number is : Eagle Home Mortgage , LLC Phone # : XXXX Broker Participation? X Yes No XXXX  agent : Agent/Company : XXXX XXXX / XXXX XXXX XXXX - Utah Street Address : XXXX XXXX XXXX XXXX XXXX XXXX City, State Zip : XXXX XXXX, UT XXXX   Phone : XXXX They are holding my loan and home purchase hostage by refusing to transfer my FHA CASE number that I never wanted them to pull in the first place
Product: Credit card or prepaid card

On XXXX I noticed I had overpaid on my Kohls charge account. When I called they stated it would take 7 to 11 days to process and then 2-4 weeks to mail a check. I called on XX/XX/XXXX and on XX/XX/XXXX. I was informed the check was mailed on XX/XX/XXXX. I never received it. The company had now zeroed out my account but I still haven't received the over payment. I then followed up on XX/XX/XXXX. I was told they would expedite the process and send another check within 7-11 days and they would even attempt to overnight it. I haven't received anything. I called back on XXXX was informed whomever I talked to before was wrong they do not expedite these processes a new case was not open and it will take another 2-4 weeks to process another check. It's been over 2 months and I'm not able to receive my money returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance to the Fair Credit Reporting act everything has to be 100 % Accurate In my credit act Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX The Credit bureau stated that my account was investigated accurately but how is this possible when the Date opened is inaccurate, the date last active is inaccurate, and The date last reported is inaccurate. This is grounds for removal they also 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 Also the credit bureau took more than 30 days to complete my investigation My certified mail tracking # XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports with XXXX, XXXX and experian show incorrect credit utilization from all of my XXXX XXXX credit cards. 

1.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$2500.00}. I have a balance of {$420.00} with available credit of {$2000.00}. 

2.XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3300.00}. I have a balance of {$500.00} with available credit of {$2800.00}. 

3XXXX XXXX credit card ( XXXX XXXX ) account ending in XXXX credit limit {$3100.00}. I have a balance of {$650.00} with available credit of {$2500.00}. 

Please have these errors corrected as soon as possible based on the Fair credit reporting act.
Product: Credit card or prepaid card

This issue has been happening during last two months for at least 11 times. My credit card is the Chase Sapphire Reserve, whose annual fee is {$390.00}. The first time when I used it is in the XXXX Airport in the XXXX XXXX Koisk, I was trying to pay the luggage fee, I tried at least 10 times and even the XXXX XXXX service representative also helped me to go through, but still have problem to pay. It took me 20 minutes and I have to use another card and it works. Since the Reserve have 3 % cash back for traveling, but it doesnt work in Ariport, very weird and I feel Chase is pretended for me to not use in the 3 % category transaction. This issue also happened when I was trying to use in my local ice cream shop and even buying a French Fries, all happen in the 3 % category transaction. Since I can still use it for the other places and doesnt have this issue. Sometimes it shows a processing error and when I used another card, there is absolutely no issue at all. I feel so disappointed and frustrated since I paid {$390.00} per year but I even couldnt successfully buy an ice cream or fries in local stores. This card is always my top credit card in my wallet and sometimes I only carried this card in my wallet. Since this card cant go through, I even have no way to buy food! The {$390.00} annual fee doesnt worth its value. I think Chase is cheated on me even for its very basic value/function. I questioned that if I paid {$390.00} per year but cant even use my card successfully, this doesnt make any sense. Another thing is : the Chases customer service is soo poor, I wait for 12 minutes to connect with a representive.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending certified, return receipt letters to Experian on XX/XX/18, which they received on XX/XX/18, reporting that there were inaccuracies on my credit report in the form of $ XXXXfrom XXXX XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long Experian is allowed to verify any disputes legally ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by Experian, I am seeking that this particular inaccurate assumption is removed immediately.
Product: Debt collection

repeated phone calls from the same company. I hang up and they call right back. They do not leave a message with why they are calling.
Product: Mortgage

After purchasing our new home in XX/XX/XXXX, our loan was subsequently sold to Rushmore Loan Management ( RLM ). When we learned of the loan transfer, I called RLM to ask about  sending multiple payments, to break up the large amount. They indicated on the phone that they can accept multiple payments. 

Our first payment was due on XX/XX/XXXX, so I sent a check from my bank in the amount of {$800.00} on XX/XX/XXXX and the rest of the balance {$600.00} on XX/XX/XXXX. This process repeated, where I would send {$800.00} mid-month prior to due date and the rest on the due date. 

This went on for 3 months before RLM sold my loan to XXXX. When I learned that my loan was sold, I reached out to XXXX via phone and they told me that they do not support multiple payments and that I was behind on my mortgage. I asked how that could be and they indicated that it was my responsibility to find out. They also started calling our phone day/night with automated calls that were never answered by an employee. 

I have spent more than 10 hours so far, on the phone with RLM to understand what happened. All I can find out is that they applied my XX/XX/XXXX payment ( for XXXX XXXX due date ) in the amount of {$800.00} to principle. This put us behind by that amount for XXXX. RLM has indicated that they are " looking into it '' and the supervisor, XXXX XXXX ( ext. XXXX ) has not returned my many voicemail messages. 

XXXX has indicated that we will not be taken off the robot-calling punishment until our account is current.
Product: Debt collection

Medical Data Systems added a collection for my XXXX  appointment. I used my insurance with XXXX and then paid the balance. I don't owe this debt.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX billed me for emergency services/emergency XXXX. Negotiations were conducted from XXXX XXXX XXXX by XXXX XXXX XXXX. please see attachment. XXXX XXXX has never acknowledged my copay which falls under the no surprise act of XX/XX/2022 enacted by federal government concerning emergency treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX / XXXX Account XXXX : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. XXXX5 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number XXXX XXXX Delete this account.
Product: Payday loan, title loan, or personal loan

Trading Financial w ill not submit any payment history, statements, payoff letter or any of my requests for tangible copies to a title loan I got from them for {$5000.00}. I have made several attempts to call and email for this information and they do not respond.   In addition the payments I have made for the $  XXXX /month owed have been for $  XXXX  mos  and above. That was 22 months ago.  Three  months ago I asked over the phone what is my payoff balance and I was told " {$3800.00} ''. I requested payment history, provided an email address in which to send it to and got nothing.   Yesterday I called again, they said my account was in " recovery '' ... I explained I 've paid extra every month, where is the payment history that I never received? I asked what is today 's payoff balance? They said " {$5100.00}!!! '' I ca n't get an answer from these people as to why, what or anything and I have no idea if they are practicing legitimately.
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX XXXX trading crypto currency at Coinbase my money stock there for over 4 months I filed multiple complaints Im trying to contact the company every day but no success they holding over {$23000.00} without giving me and option to pull my money out! I tried every single way to contact them but surprisingly there is no one to respond my concerns. At this point im urgently looking for someone to help me to take my money out or at least to help me to speak with someone to address my issue. 

Thanks you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND TransUnion are reporting that a have a collections account from XXXX XXXX that belong to me. I DO NOT have a XXXX  XXXX account that is negative. I have an open and active account with XXXX XXXX. My son XXXX XXXX XXXX had an account with them. Please verify this account with documents proving it belongs to me. TransUnion shows this account was opened in XXXX of XXXX, I have been living at XXXX XXXX XXXX XXXX, PA since XXXX, so I know for a fact this is my son 's account. 

Please remove this account as it is unverified and not belonging to XXXX XXXX XXXX. 
TransUnion has already explained to me that me and my son had combined profiles..
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I obtained my XXXX credit report online and immediately started disputing inaccuracies by phone and mailed in documentation. However, from starting disputing in XX/XX/XXXX until XX/XX/XXXX, the inaccurate accounts, names, and bankruptcy were never removed after disputing multiple times. 

See Attached.
Product: Credit card or prepaid card

I was solicited and opened a Kohl 's charge card XX/XX/2020. I did not use the card during the purchase. I paid with my atm credit card. XXXX XXXX of XXXX XXXX decided to change my physical address so Kohl 's had my incorrect address. On XX/XX/XXXX I called Kohl 's and gave them my change of address. I inquired as to the status of the account and was told it was good. The change of address with the post office delayed my getting mail for several weeks. 

XX/XX/2020, I received an alert that my credit score dropped XXXX points. I have no debt so I immediately investigated. I found out that Kohl 's reported me late for {$1.00}. I called Kohl 's and asked what happened. They said I was delinquent {$1.00}. Evidently, they put a charge for {$1.00} on the card the day that I had opened the credit card. I did not know that. I explained I never received any bill from them requesting {$1.00}. I NEVER received even a phone call asking for the {$1.00}. And when I called on XX/XX/XXXX to change my address NO ONE told me I owed {$1.00}. I have called multiple times and spoken to their representative named XXXX Id # XXXX and XXXX Id # XXXX and I was told that I would need to contact Kohl 's dispute department to make a complaint, which I did. I fully explained what happened. I received a response from Kohl 's in the mail XX/XX/2020 stating they reviewed my concerns and they feel it was reported accurately. 

I never authorized {$1.00} be charged to this account. Under the Fair Credit Billing Act I disputed this charge within the window allowed to dispute a charge and withhold payment without hurting my score. Kohl 's has ignored this law. 

I clearly disputed the reporting of this error yet Kohl 's / Capital One continued / continues to report this to the bureaus. This is a violation of FCRA Section 623.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Creait Reporting act. The List or accounts below nas violatea my rederally protectea consumer rignis to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : 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 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: Credit reporting or other personal consumer reports

writing to file a formal complaint against TransUnion, for failing to oly with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 15 c. 1681e ( b ). Despite providing evidence that late payment entries on my credit report are curate, the credit bureaus have not corrected or removed these items. On XXXX Account number ended XXXX ( XXXX ) I ited the inaccuracies with all three CRAs, providing supporting documentation, including [ li ence, such as bank statements or payment receipts ]. However, the CRAs failed to investigat lispute properly, did not verify the accuracy of the information, and did not remove the leous late payments as required under 15 U.S.C. 1681i. er 15 U.S.C. 1681e ( b ), the CRAs are required to ensure the maximum possible accuracy of formation reported on my credit file. By failing to correct the false late payment informatio have violated this obligation, which has harmed my creditworthiness. I request that the CFl vene to ensure that the CRAs fulfill their duties under the FCRA, correct the inaccuracies, a ve the disputed items from my credit report. I trust that the CFPB will take appropriate acti solve this matter and protect my consumer rights. ik you for your attention to this issue. erely, I would like all of my late payments to remove and show pay on time. XXXX XXXX XXXX Date of Birth XX/XX/year>
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

I was told I have a debt, I mailed a check to the original company was owed to my son doctor. 

They hot my credit when I called them he said this isnt XXXX XXXX you cant have it your way, wouldve let me record him or confirm this debt is being removed
Product: Credit card or prepaid card

XX/XX/XXXX : Received monthly statement and learned the credit card company reduced my limit to be very close to amount owed. Two weeks after the limit reduction I received a letter dated XX/XX/XXXX Advising the action taken with a general reason. This impacted my credit score with a 40+ point reduction. 
XX/XX/XXXX : Once again this credit card company reduced my limit down to the amount I owed with no prior notification of pending adverse action. The letter was dated XX/XX/XXXX and advised the action was taken due to number of inquiries on my credit. 
I have 2 cards issued by this bank. This is the only one they deem to be a risk. The company continues to impact my credit score in a negative way for no reason. I have a 100 % payment history with all of my cards including the ones issued by Barclay Card. After the limit decrease on XX/XX/XXXX I sent payment in full for the account. My cycle date had been the XXXX of the month since opening the card a few years ago. I check all my accounts regularly and I expected this account to cycle on the XXXX of the month to report to the agencies and to give me my final interest. I check the account on XX/XX/XXXX and it had not cycled. I called the company to determine what the issue was and they advised that my cycle date had been changed by a web user to the XXXX. I did not change it. In fact it would have caused ( and did XXXX more issues to change the statement date. When I called to have them correct this they told me they couldn't. 
I am a small business owner and have many cards with substantial limits. My credit will have more than the usual inquiries due to this fact. If this company would have followed standard guidelines and informed me of the upcoming limit decrease I would have had the opportunity to pay the account before it adversely affected my credit. When I called to express my concerns they advised that it was the risk program they had in place and the decision would stand. Not only have they hurt my credit score multiple times for undue cause they are unwilling to correct the issue. This 96 % usage of a single card will remain on my report until XX/XX/XXXX at the earliest causing an undue score drop for an extended period for the second time.
Product: Debt collection

My loans are in consolidation and ERS continues to harass me and apply charges to the loan that I should not have to pay since the loan has been in the consolidation process. I gave limited power of attorney to the consolidation company and ERS should be dealing with them not harassing me. They are trying to insist I deal with them directly repaying the loan. I wonder if they have refused to work with the consolidation company.
Product: Credit card or prepaid card

This is in regards to a dispute for {$700.00} with the merchant " XXXX XXXX XXXX '' on my Chase Freedom Unlimited card. I brought my dog in to this merchant for XXXX XXXX and, ultimately, this merchant was negligent and caused my dog to get a 106 degree deadly fever. Full verification from a licensed and practicing veterinarian can be found with the documentation attached to this complaint. A full explanation regarding this incident can also be found within the attached documentation included with this complaint.
Product: Vehicle loan or lease

Hello, In XXXX I financed a XXXX XXXX XXXX XXXX ( Vin # XXXX ) with a {$3000.00} down payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WI XXXX. 

With the recent and also past lawsuits that Credit Acceptance Corp. has been involved in ( according to multiple national news networks ) has made me take another look at my contract with them in XXXX. Not only did I notice my APR was at 23.99 % but there was an optional extended warranty for {$1400.00} and a optional GAP protection for {$630.00} somehow was added to the contract. Knowing that these extra useless expenses that were added, would eventually cause me to default on the loan.

I believe that C.A.C. is in violation of Wisconsin State Laws regarding " Usury '' with this contract. I will attach a copy of the contract to this complaint. And I will be providing Wisconsin XXXX Attorney General a copy also. Thank you for your time. XXXX XXXX XXXX
Product: Debt collection

I was attempting to refinance my home, when the loan officer reviewed my credit file and I was advised of a COLLECTION entry on my credit report from a WAYPOINT RESOURCE GROUP ( XXXX ) for {$840.00}. The issue is.. I have not done any business with XXXX. It is not even a cable/internet service provider in my state or geographical location. 

I attempted to gather more information from WAYPOINT and XXXX on this matter, but felt very uncomfortable and frustrated with the ONE-SIDED telephone conversation with their representatives on a recorded telephone line. They began requesting personal information such as my Social Security #, Address, telephone etc. But they were unwilling to provide me any information such as the Street Address, City or State this presumed service/account was associated with. Nor would they state or confirm the Original Application Date of Service, its duration or information pertaining to any previous attempts to collect. They were able to acknowledge and confirm that there were MULTIPLE entries for name : XXXX XXXX. I ended the call after they were unwilling to provided any useful information on this matter.