23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters to XXXX, Equifax, & XXXX about an account on my credit report " XXXX XXXX ''. Each time the dispute results says the account is verified. I have written letters and contacted XXXX XXXX several times and either I got no response or they could not find any information with my name on it. I finally got a letter from them after many months of disputing this account stating that the account reporting could not be located. How are you conducting your investigations? Are you really doing a true investigation? Where are you getting your information? If the company could never provide me with information and now I finally got a letter that says " account could not be located '' are you really doing an investigation on my account. Now I have questions about other accounts that I have disputed and wondering if you are accurately doing an investigation.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 and on XX/XX/XXXX, I requested an increase on my XXXX credit card, an increased credit amount on my XXXX  XXXX XXXX Credit card, a car loan from XXXX XXXX, and a credit card with XXXX. Experian is reporting that " Proportion of balances to credit on bank/national revolving or other revolving accounts is too high, Amount owed on revolving account is too high, and length of time accounts have been established '' are false/inaccurate statements showing on my credit report. And according to Title 15 subsection 1611, False and misleading denial of credit, this is illegal. I was sent a letter of my denial with unexplained and misinformation attached to the reasons for a denial. 
Because of the misinformation and disinformation, Experian has caused several denials to credit and loans.
Product: Mortgage

I am a first time home buyer and am in the process of purchasing a home under FHA. I was suppose to close on XXXX XXXX, 2016. It is now XXXX XXXX, 2016 and Freedom Mortgage does not return my calls or emails. I am in fear I will loose my new home due to their neglect and lack of due diligence. I have submitted ALL items needed and this company is either toying with me or wants me to walk away as I have yet to close and they keep asking me for items I have already turned in. I have emails to back up all above statements. Also this home is only {$86000.00} with the buyer paying my closing costs, this is a great deal to start off my future for my daughter and I and its all at stake because of this offices lack of business ethics. Please Help!!
Product: Money transfer, virtual currency, or money service

I submitted a dispute as well as a complaint via your platform to bring to light the lack of investigation by Cash App relating to an ATM withdrawal error. When filing the dispute, I mentioned to the Disputes team that the transaction was " authorized '', however, the funds that I requested from the ATM machine were not dispensed. My account was charged for the transaction, and for that reason I filed the dispute. I spoke with a Cash App manager by the name of XXXX, who informed me that I can request the documents Cash App used to complete their investigation. My thought process was that the documentation would show communication with the merchant/owner of the ATM confirming that funds were dispensed. When I received the documentation the sent to confirm their decision ( attached here for your review ), I realized that the documentation showed nothing more than the fact that it was an authorized transaction. Nowhere on there does it show confirmation that funds were actually dispensed. The documentation is internal, and none of it came from the merchant/owner of the ATM. That being said, you can not confirm that no error occurred if the merchant/owner of the ATM has not confirmed that funds were dispensed. I firmly believe that Cash App has denied this because they refuse to reward me these funds. Additionally, I have filed an additional complaint with the XXXX XXXX XXXX  and the FTC to review this. It is quite apparent that many others have had the very same issues with Cash App, and the only way for this to be fixed is for agencies like the CFPB to hold them accountable.
Product: Student loan

I received a phone call from what I thought was the department of education however it turned out to be XXXX XXXX. They asked me all my information household size debt etc. They told me I could get my student loans lowered to {$39.00} a month with the REPAYE and that it would still be forgiven in the 20 yrs under the student loan forgiveness plan. I paid them a lump sum of {$390.00} on XX/XX/19 and then {$39.00} on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19 and XX/XX/19. I got a bill from Navient stating I had been approved for the REPAY income driven based loan and my monthly payments were lowered to somewhere between $ XXXX {$180.00}. So I contacted XXXX and said I thought I wouldn't have to pay Navient anymore and just XXXX   the {$39.00} a month. They said Navient is my student loan and to pay them as well. So I knew then it was a scam. I contacted them telling them I was being scammed and wanted my money back and I could have had my loan lowered with Navient for free by doing it myself like I have in the past. They didn't respond to my email. I sent another email telling them I do not give them permission to take any more money from my account. Now I am unable to even log in to my Navient account, says they don't have record of me. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my XXXX XXXX, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; 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 I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Credit reporting or other personal consumer reports

Someone opened a fraudulent credit card account with discover bank using my personal information and were making the payments towards that fraudulent credit card account while I was in overseas. When I found the information about this fraudulent account in XX/XX/year>, I immediately called the discover bank customer service and reported the account as a fraud, and sent the affidavit and all the requested documents to their dispute department. Back in XX/XX/year> the credit card balance was - {$1.00} as per their statement, after 4 months of investigation, they have re billed the same credit card for the amount of {$1700.00}, I do not know even how it is possible, an account balance goes from - {$1.00} to {$1700.00} while it was reported as a fraudulent account, they failed to investigate this account properly and they also failed to verify the identity before allowing someone else to open this account fraudulently, They must be responsible for this fraudulent credit card account and remove it from the credit reports immediately.
Product: Vehicle loan or lease

Westlake financial services has stolen my Truck late Sunday night. I have XXXX dollars as my balance. I just paid on time XXXX on XX/XX/2022 as our agreement. Every month a pay XXXX on the XXXX. On XX/XX/2022 elven days after I paid my car note they stole my car. They tried to make me pay over a XXXX dollars for it back. Once I told them that I have in my checking account documents of me paying each month on time. They then said it was an computer glitch on their end. They will be returning me my truck. I still have not received my truck. I spent over XXXX XXXX dollars on my loan for the truck. Once they seen that I was about to pay it off they stole it. I called and reached out with them every hour on the hour about returning my truck and in the condition that it was in. Still no truck. Now they are blaming the tow company. I missing work hours to deal with problem. This was a scam and I want all parties involved to pay for it. Now I'm carless and stranded.
Product: Credit card or prepaid card

Chase XXXX XXXX XXXX. I have three cards with Chase and all were configured with Autopay. The ChasXXXX XXXX XXXX which I rarely use and has had a ZERO balance for most of the year somehow got removed from Autopay and I was charged in XXXX both late fee and interest for XXXX. I called in XXXX and they resolved the issue by crediting me the late fee and interest, acknowledge there was an issue with the Autopay being removed by their system ( or someone at Chase ). 
Once more XX/XX/XXXX I was charged another late fee, and interest on said fee on XX/XX/XXXX. I made zero purchases, the balance should have been zero. I called Chase and was told by a supervisor that this was because they credited me 2x the original {$40.00} late fee and one of these was removed. I was never informed of this, and still don't understand where any late fee on no payment due derived. I asked that they correct the issue again and just cancel 2 of my 3 cards as I don't use them and they obviously have issues. The supervisor on the phone didn't want to do this, she wanted to investigate and argue with me and tell me she couldn't do anything as I kept asking/canceling what I was asking. This was not true -- I reiterated I wanted the cards cancelled and I should be credited for my time for having to call and sit on hold over and over. She proceeded to read me a script and I tried to interrupt her but she told me she was going to keep reading. 
So in effect, Chase refuses to correct their mistake and cancel my cards and play games with semantics and reading scripts. How the Autopay keeps getting removed is a mystery, apparently, but its happened twice now to the same account that had Autopay set for years. 

I spoke to supervisors XXXX and XXXX. XXXX placed me on hold despite my request not to be placed on hold. XXXX insisted that I should have known that there was a charge as they sent me the bill so I should have known there was a late fee. However I never received a notice of a charge of any kind so I didn't bother to review that bill. She proceeded to be condescending and explain to me how late fees work. I called her names. I wish I had called her worse names.
Product: Debt collection

I filed XXXX  XXXX in XXXX I put this credit card XXXX XXXX XXXX  XXXX XXXX in my bankruptcy debt was sold to several collection which is now LVNV Funding LLC. My bankruptcy was discharged XX/XX/XXXX. I received several notices and court hearing from this company now they are suing me and garnishment is in place. I objected to garnishment and have court date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   XXXX , we filed a complaint with the  XXXX   XXXX   XXXX  against  XXXX   XXXX . The  XXXX  took the case and got involved  ( CFPB Case No .  XXXX  ). On  XXXX   XXXX ,  XXXX , we received a letter from  XXXX , who finally admitted to a bookkeeping error on their part. They had missed a payment that we made in  XXXX  of  XXXX  and were reporting for ove r two years that our payment was late and were charging us late fees. We thank the CPA fo r their help. Unfortunately, this problem still persists. We sold the home that this loan was connected to on  XXXX   XXXX ,  XXXX  and the loan with  XXXX  was subsequently paid off. I have copies of all documents relating to this loan payoff. In  XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  letter they state that they are going to contact   XXXX   and Experian to fix our credit report. I know you will not be shocked to find out that they did n't do it. Not only that, they have not report to the credit reporting agencies that the loan has been paid off.  XXXX    XXXX   credit report still shows an open loan to  XXXX  in the amount of $  XXXX . We recently applied for a loan with  XXXX   XXXX   XXXX    XXXX   and were rejected because of the  XXXX  mark on the credit report. I have tried to reach out to  XXXX  to get them to fix this once more and have gotten no where with it. I am begging you to please intervene on our behalf once again to get this fixed. This error is ruining  XXXX    XXXX   credit and hindering us from getting a loan. Thank you.
Product: Debt collection

This is the third time I am sending a complaint about phone calls I have been receiving for almost 2 years. It is from an organization that will not tell me their name, but tell me I have a debt with HSBC dating back to 2008. 

I have received letters from HSBC stating this debt to be false, yet they still are calling. At XXXX XXXX  EST today, someone called me from the number of XXXX XXXX XXXX attempting to collect this debt again. When I told them to take me off their list, the person on the other end said, " I can't ''. When I proceeded to tell them about the documentation I have proving them wrong, they hung up. I called back and they wouldn't pick up. I am tired of these phone calls. I want them to stop. I have been sending these messages to the XXXX and it still does not help. I want them to be over with. Please stop them from calling. I am a man who suffers from XXXX XXXX and the stress these phone calls cause affect me greatly.
Product: Credit card

CAPITALONE APPLICATION ID NUMBER XXXX [ Provide details of why you are not satisfied with this resolution. ] I WENT INTO GREAT DETAIL IN MY CAPITAL ONE COMPLAINT THAT I NEVER RECEIVED THE CARD TOWARDS WHICH MY {$200.00} XXXX DEPOSIT FROM MY BANK WAS SUPPOSED TO BE APPLIED TO AND SINCE I NEVER RECEIVED XXXXXXXX XXXX I NEVER USED THE CARD SO I NEED AN IMMEDIATE AND FULL REFUND OF MY {$200.00} DEPOSIT RIGHT NOW AND I DO NOT WANT TO HAVE TO WAIT 10 TO 15 DAYS FOR A CHECK BY MAIL AND I DO NOT WANT FIBBED DEDUCTIONS BY CAPITALONE FOR A CARD I NEVER RECEIVED AND NEVER USED AND WAS NEVER ABLE TO USE SINCE I NEVER USED IT. I POLDA NEED CAPITALONE TO STOP SANDENTING ME AROUND AND REFUSING TO RETURN MY UNUSED CAPITALONE SECURITY CARD DEPOSIT OF ACH DEBIT BANK WITHDRAWAL AMOUNT {$200.00} AND TO POLDA REFUND MY PAID UNUSED CAPITAL ONE SECURED CREDIT CARD DEPOSIT OF {$200.00} RIGHT BACK INTO MY BANK ACCOUNT WHICH THEY TOOK OUT ON XX/XX/year> USING VERY DECEPTIVE POLDENTED FRAUD ZEMPENTY ANTI CONSUMER PROTECTION DEVIOUS SCAMMING POLDED METHODS.
Product: Student loan

When I finished school I got a job, then was laid off, then got unemployment then got a job ( temp ) I went from unemployment to employment then back to unemployed with barely any ability to pay my loans off. I asked for help to pay a minimum and every tie was told to file forbearance. I did this for four years! My interest just kept going up and up.
Product: Debt collection

This account was open in XXXX XX/XX/2008. I have never made a payment on this account and the name that appear on the Judgment is not my name. I have requested XXXX XXXX to validate this account many time Under FDCPA XXXX XXXX. Validation of debts [ 15 USC 1692g ]. I ask that this account be deleted from my credit report. Americash Loans LLC XXXX
Product: Credit reporting or other personal consumer reports

After receiving an unsatisfactory response to my 2nd dispute, I promptly escalated the matter by filing a Fifth dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing. 

In my previous complaint, I specifically requested identifying information and supporting documentation to justify why the disputed items are still being reported. To date, I have received no such documentation or any satisfactory explanation. 

The continued reporting of inaccurate information on my credit report is causing me significant distress and harm. 

I demand that the credit bureau take action on the following items immediately. 

XXXXXXXX XXXX : Account number : XXXX, A charge off account with balance? Clearly, this is an inaccuracy. Delete the account. 

XXXX XXXX : Account number : XXXX, A charge off account with balance? Clearly, this is an inaccuracy. Delete the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided XXXXXXXX XXXXXXXX  and Comenity Bank ( x 2 accounts ) with proof that I have been working outside of the USA for over 14 years. I never applied for these three cards, and they do not belong to me. I have tried everything to have this removed. It is causing a problem with my security clearance. 

Also XXXX, This was not mine also
Product: Money transfer, virtual currency, or money service

Venmo froze my account for 180 days. On XXXX, the 180 days passed and i was to regain access to my money. I wasn't able to, until going back and forth and providing my identity documents for the XXXX or XXXX time to them. On XXXX, I was told I could add a bank account and send the money. I did so, and added a bank account that is in my name, with all my same information, and inititated the transfer that was slated to arrive on XXXX. Today, i see they cancelled the transfer, so I have to go through another merry-go-round of emails and nonsense to once again try to transfer the money. i submnit the transfer, now slated for XX/XX/year>, and once again it is under review. there is nothing else i can submit to them and they have found nothing wrong with the money in 180 days, and yet they continue to withhold the money and force me to go in circles trying to get it out, pushing the goalpost further nad further and delaying the date that i will get hte money by days and days. i'm sure that over the next day or two, they will once again cancel the transfer and this whole process will start again, keeping me from my money for even longer. i am XXXX XXXX XXXX XXXX XXXX and have to work, but i can't go pick up my prescription because i can not pay the copay. this is my life for the past 6 months while venmo has earned interest on the money i earned and that they won't release to me. they have a policy that is published in their terms and conditions, and yet they feel free to not abide by that and to put unnecessary road blocks and restrictions in place that cause undue suffering to people who are trying to access their own hard earned money. and when you try to get help, there is no phone number to call and the only recourse you have is to go back and forth with a team that sends back form emails and doesn't do what they say they will. they are dishonest and they are thieves, and i'm one of many many tens of thousands of people that this happens to every year. i dont have until XX/XX/year> to play this game with them any longer. i don't have 5 more days to wait for my money to pay for my kids food, my dog food, my own medicine. this money should be in my hands already, and they are preventing any reasonable attempt to return it.
Product: Checking or savings account

I received a call on Friday XX/XX/XXXX from an unknown number claiming to be XXXX XXXX Account Services. Because of our financial delinquency currently I fell for the request. 
Two nights previously our cable was shut off for late pay. I was under pressure financially. 
The caller claimed we were on a list for disconnect that day if the previous balance was not paid directly. I brought up my XXXX Account online and saw the balance they referred to was identical to my overdue balance. Not sure where they got these detail. 

They showed later on the caller ID as a XXXX phone number. 

Bottom line is they claimed that if I did not pay directly to that office that my disconnect had been dispatched and that department is the only one that can see the payment and then cancel the disconnect. If I paid on my XXXX online account they claimed it would not go through in time to avoid disconnect on a Friday. 

They wanted to know if I could XXXX the balance to XXXX XXXX - mobile immediately. 

I knew I had Bank of America partially owned XXXX on my BOA app and thought I was protected if I made the transaction through my bank. I was blinded by fear in the process and just wanted to avoid disconnect. 

I made 4 XXXX transactions, 3 cleared before BOA stopped a fourth. The total fraud was for {$890.00} wiping out my weeks budget for other bills. I called Bank of America when my wife got out of work and stated that it ma have been a scam. Bank of America started a case but told me that XXXX is an outside entity that is like transacting in cash and they had no protection against fraudulent activities drawn against my checking account through XXXX within my Bank of America webpage. I was stunned. I am out the money, still owe the bill and have no funds to pay properly. 

How can Bank of America not protect a consumers money on a transaction that was done on their website through a corporate partially owned entity like XXXX? This is really bad when our money is not protected on our banking apps.
Product: Mortgage

I have been working with my current mortgage lender ( Embrace Home Loans , Inc. 
XXXX XXXX XXXX, XXXX, RI XXXX ) since XXXX, XXXX, XXXX with a goal to refinance my current property ( single family home, Address- XXXX XXXX XXXX XXXX XXXX TX XXXX ). Currently I am paying approx {$2000.00} per month including escrow and my goal was to minimize payment per month through refinancing. 
Mr XXXX XXXX, Sales Manager/Senior Loan Officer, NMLS # XXXX was the person of contact for my loan application. His Cell # : XXXX www.embracehomeloans.com NMLS # XXXX ; email : XXXX ; Fax : XXXX and phone # XXXX ext. XXXX as stated in his email signature. 
He pulled my credit score, gave me a super great estimate with a savings of close to {$500.00} per month for 30yrs 3.75 % fixed interest etc. I have the document of what he predicted and sent me.Then he asked me to pay {$520.00} for an appraisal of my home. I paid it through my debit card. Appraisal came back in 2 weeks. Finally the whole application is denied/ declined and the last email that I received from Mr XXXX `` I am struggling to qualify you because of the debt ratio now based on the new appraisal value. Let see if rates go lower ; this may help us better ''. I tried to talk to him after that to explore all other options, but unfortunately he never responded nor follow up with me. My home appraisal was XXXX lower than what it was in XXXX, XXXX. Mr XXXX has been giving me false hopes after hopes, literally lectured me to trust him who has enormous amount of depth of knowledge in home refinancing etc and at the end I lost all hopes and my hard earned money {$520.00} for nothing! If he is knowledgeable in this field, he should have an idea upfront about my current home appraisal and when he already knew my credit score etc before stepping into the next stage of running appraisal by spending {$520.00}! Literally, he mislead with lots of lecturing clients like me with hardships with false hope or even come up with a beautiful estimate, steeling my money for appraisal and then washed his hands. In my opinion, Mr XXXX is never transparent with me and he definitely have lack of knowledge whether to start processing an application etc, to handle any mortgage related issues. He can only mislead customers!