23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Cash Call contacted us to see if we wanted to refinance the mortgage loans we have with them for a noticeably lower rate. They said that it would be very simple and not difficult since they could use the prior applications they have on file to approve us. We went through this and throughout the process it was not as simple as they initially stated. They then drew up the loan documents and had us signed them stating that the loan was approved and therefore with the signing of the loan documents it would close within 72 hours. We signed the documents. A few days later we get a call stating that there were several other pieces of information that they needed with additional information being on items not relating to the property being refinanced. Totally unrelated documents were being asked for such as rental agreements on other properties and documents of other properties. They never closed the deal. As signing the loan documents there was a clear agreement and commitment on their part. Cash call always has documents signed and then comes back for more documents/information as they know people will more than likely submit more information versus saying no after they say no further documentation is needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied for a loan with my bank that I have been with since I was XXXX. The Manager at the Bank went over my credit with me and there are so accounts on there that are not mine and they are XXXX, XXXX XXXX and there is one account that don! have a name but It did have somewhat of an account number XXXX. There are also 4 XXXX  student loans on there but there weird thing is that its only on XXXX. I dont even know how that Is possible being that I never graudated from high school. I have filed a complaint with the FTC and reached out to my local police. Can someone help im doing this on my own and need help.
Product: Debt collection

Identity theft. Someone use my social security number to open a unauthorized business account in my name. And borrow XXXX XXXX
Product: Credit card or prepaid card

A fee of {$140.00} was made on a subscription that I did not allow. I emailed the company to refund the fee. Amex would not contest it for me.
Product: Debt collection

I received a letter from the Offices of James R. Vaughan, P.C. 

They stated that they had been hired to collect on a {$7800.00} loan having to do with a XXXX XXXX XXXX XXXX with VINXXXX originating from XXXX XXXX on behalf of XXXX XXXX. The letter from from the law firm stated that if they did n't hear from me with 30 days they would assume the debt was valid and take actions accordingly. 

-- >This debt is not mine. I have NOT done business with XXXX XXXX or XXXX XXXX. I have NEVER owned a XXXX XXXX XXXX. Yes, they had my address but they were writing to someone else ( that did n't even have my identical name ) .< -- I promptly ( the next business day ) called the law firm ( at XXXX ) to tell them that they had the wrong person and to please disassociate my address from their dealings with those companies and that car. 

The first person ( only willing to identify himself as " XXXX '' ) attempting to summarily dismiss me asked if there was anything else he do. I did not hear him type one stroke onto a keyboard. He did not have enough identification from me ( although he attempted to take my social security number and said we has recording the phone number I was calling from ). Why would n't he just take the file number off the letter I was offering him? He kept asserting that I was the debtor, that he did n't have any proof I was n't the debtor ( even though we would n't take what I was offering him, and that the correct debtors call them all the time pretending to not be who they are. He refused to answer my questions or give me any degree of certainty that I would not be contacted again.

I have a perfect credit score and afraid that this firm is going to continue to harass me for a loan and nothing to do with. 

Mr. XXXX, the next person I talked to refused to give me any verification that the calls I had placed ever existed. A ticket number. A receipt. A procedure. Something that would document that these calls had been placed. Giving him plausible deniability? He first said that he did n't have to because I was n't a law firm then denied that he said that then said that he was prohibited from communicating with me. ... yet his firm wrote me and he was TALKING to me as he said he was n't legally able to.

Obviously this firm is predatory, willing to get a buck from whomever they can with no regard for collecting from the proper individual. If that was my car how come my name had never been filed for the tabs or the license for that car? Do they have the right to shake down every tree that happens to be XXXX or XXXX XXXX until they get one that is clueless or helpless enough to be victimized? 

I am not their mark. All they had to do was tell me they knew I was n't their guy and give me some kind of memento of the occasion ( for my use in future legal proceedings ). But they apparently were very eager to preserve their anonymity ( /lack of involvement ) and therefore reserve the right to keep  communicating with me off the record?
Product: Credit card or prepaid card

Bank Of America Charged my XXXX Platinum Plus Master Card XXXX {$5000.00} and I Never Received Any Merchandise. I Contacted Bank of America Right Away and Bank of America Told me that they made a mistake and the Retailer Closed the Account after Receiving the {$5000.00}. I was Forced to Pay the {$5000.00} to Avoid interest and harming my Credit Score. The {$5000.00} was money I had Saved From my VA compensation for a Mechanical Bed. Bank of America Case # XXXX I contacted XXXX XXXX Bank of America 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 Case # XXXX. When I contacted the Fraud Department They Recorded the Report I made and the Mistake They Admitted to on the phone but Stood by their Story that the Account Was Closed by the Retailer and he kept the {$5000.00}. I am a XXXX XXXX XXXX XXXX Veteran on a Fixed income and I have never recovered from this {$5000.00} Loss by a Big Powerful Bank. This is a Disgrace the way Bank of America and Master Card Treat Veterans. At the Time they Advertised on TV that you are Protected by Master Card and they told me on the phone that is not True in every Case.
Product: Money transfer, virtual currency, or money service

Someone scammed my Wells Fargo account through XXXX. Wells Fargo never gave my money back. But instead the decided to end my relationship with the bank.
Product: Credit reporting

I have disputed with the credit reporting agency Experian with no help. While there are still a lot of errors on my Experian credit file I am not offered the opportunity to continue disputing the matters because they said the investigation were completed but the results remained the same so I do n't think that they invested throughly.
Product: Credit card or prepaid card

I have a credit card that I have been attempting to make payments on since XXXX. Each time I have attempted to make a payment, I have been told through the customer portal that the payment was received. However, after each payment attempt, I get a notice that there has been a reversal of the payment without any further information. Additionally, this has somehow managed to decrease my available credit on the account based on the current balance. For instance, theres a {$700.00} credit limit, and my balance is currently sitting around {$590.00}. It now says my available credit is negative {$110.00}. I am expecting the payment to be reversed in the coming days as it has since Ive been attempting to make payments since XXXX. I do not know what else to do. The last payment I sent was done over phone instead of the website to ensure that it would go through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to show new incorrect debt collection agency information about me they put on all 3 credit bureaus. XXXX for {$640.00} says new account opened XX/XX/2020. XXXX XXXX XXXX for {$530.00} says new account opened XX/XX/2020. Phnx Finac for {$65.00}. says new account says I opened XX/XX/XXXX, XXXX. Because these companies are saying these accounts are new and just defaulted it has made my score plummet in a downward low so. I am unable to get a loan or any kind of assistance.I have worked very hard for several years to pay my bills on time and these bad collection agencies are lying about the recent dates of not paying. These accounts are all very old and should be removed
Product: Debt collection

Monterey Collection Service is reporting a collection account to all credit bureaus as a collection account that 's in the status as open, it 's also reporting a high balance and a balance owing and the balance goes up each month ... How is this possible when the account is supposedly a closed collection account. Instead of updating the account with " included in bankrupty, closed, { {$0.00} } balance '', they sent the account to collections. The collections comp any Monterey Collection Services has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted Monterey asking them to re move the account and they said they will not. The account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.
Product: Checking or savings account

I am a student and I have an account with Bank of America. My account was compromised and a deposit was made to the account. The person/s who made the deposit attempted to withdraw the funds using a debit card. The transaction did not go through because in the interim the bank placed a hold on the account. my payroll goes into the account and is being held by the bank
Product: Checking or savings account

They were overly charging for over draft fees an XXXX XXXX  deposit fees. For more than 3 years. Until both my checking accounts were closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Trans Union and XXXX are reporting misleading information. It's been over 30days and they still have not acknowledged my identity theft report. Please help me resolve this issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX someone hacked my XXXX account and used my stored PayPal information to make XXXX purchases, XXXX for {$56.00} and XXXX for {$370.00}. I received email notifications from PayPal regarding these payments and immediately called them to notify them they were fraudulent. The first customer service agent I spoke to on XX/XX/XXXX assured me they were not valid transactions and I would not be charged. 

On XX/XX/XXXX, I noticed the {$56.00} charge was listed on my account as completed, so I filed an online dispute. Later in the day, I was notified that my dispute was denied. I called PayPal customer service again. The representative I spoke to that day also confirmed that the transaction was not valid and I would not be charged. 

The charge for {$370.00} was cancelled and no longer appears on my PayPal account. The charge for {$56.00} however, was processed and has since been billed to my XXXX savings account. These fraudulent transactions were made from the same IP address and the same shipping address was entered for both- so it is absurd that XXXX was deemed to have been fraudulent and invalid while the other is being treated as a valid transaction. There is no way of contacting XXXX to request a refund or cancellation. If someone hacked the XXXX account, they should not have been able to make a purchase using my PayPal without entering a password.
Product: Credit reporting

I am not sure how this all works at all!!!!! This is the XXXX that I have ever checked my credit report at all. I have noticed that there is a lot wrong with it. and that is someone using my name and social security number. and as far I can tell it has started in 2008. Now I noticed that they have duplicated addresses on the reports, which it makes look like I move around a lot. also on XXXX report it has like XXXX phone numbers which some of them I 've never heard of myself. My concern is, is that there is someone using my personal information cause of some addresses on here that I have never live at in my life. and at the of them being on my report ( stating on report ) I was living in a whole different state at the time. I need to find someone to help me fix this & all this right on my credit report so I can find an apartment where I do live, which is Massachusetts. I would also like to get the person who is using my identity into trouble, cause this is not fair to fair to me at all for what they are doing, they are ruining my life, making it very difficult to get an apartment where I live or even open a credit card. I also would like to dispute the XXXX account that is on transunion report & then XXXX report has XXXX XXXX XXXX which I 've never heard of neither. so I need help disputing them please. there are on there also that I ca n't make out cause I did not get my full complete credit report that I was promised thru annual credit. com. so I guess I 've got to try to contact them & see they will give it to me. I also thought there was XXXX credit reports that was suppose to get from. but I only I received from XXXX, so what do I and where do I go from here???? please contact me.
Product: Mortgage

Its a financial mismanagement by Wells Fargo Bank. Several responses to my complaint last on XX/XX/XXXX with CFPB state the following and this not correct. 


THIS IS WHAT WAS STATED XXXX. XX/XX/XXXX XXXX PAID {$99000.00} XXXX. {$73000.00} WAS APPLIED TO PAYMENT OF PRINCIPAL, INTEREST AND ESCROW XXXX. Advance was {$1500.00}. 
XXXX. PRINCIPAL REDUCTION {$25000.00} PRINCIPAL BALANCE ON XX/XX/XXXX WAS {$110000.00} ( COPY PROVIDED BEFORE ) PRINCIPAL REDUCTION IN XX/XX/XXXX {$25000.00} {$110000.00} LESS {$25000.00} = {$86000.00} LESS LATE FEE AND FEE {$870.00} = {$85.00}, XXXX A. LOAN WAS TRANSFERRED TO XXXX ON XX/XX/XXXX PRINCIPAL BALANCE OF {$85000.00} WHICH ONLY REFLECTS PRINCIPAL REDUCTION NOT PRINCIPAL APPLIED FROM {$73000.00} XXXX PRINCIPAL HAS BEEN APPLIED FROM {$73000.00}. 
B. PROPERTY TAX BILL FROM XX/XX/XXXX TO XX/XX/XXXX IS {$9600.00} ATTACHED AND NOT {$13000.00}. 
XXXX CONCEALING EVIDENCE IS FEDERAL AND STATE CRIME FROM XXXX AS OF XX/XX/XXXX I HAVE BEEN INFORMED BY WELLS FARGO BANK HAS NO RECORD AND THEY KNOW THE TRUTH ITS CONCEALING EVIDENCE. 
XXXX CFPB MUST DO THE RIGHT THING TO REFER THIS TO DOJ FOR PROSECUTION OF CONCEALING EVIDENCE AND FINANCIAL MISMANAGEMENT. IF CFPB FAILS TO DO THIS I WILL COMPLAINT WITH DOJ, XXXX XXXX, IRS AND SO ON XX/XX/XXXX.
Product: Debt collection

I was called by a debt collector who did not identify who he worked for. I told the debt collector that the only income I have is my XXXX. I have XXXX XXXX and have been XXXX since 2008. 
Long story short ... the representative at XXXX XXXX and associates told me the law had changed and he could sue me for XXXX plus ( that is XXXX my balance ) because now creditors can take 15 % of my XXXX income and I had better look up the new laws cause they had changed and now they were coming for me. 
I called back to find the name and mailing address of the company calling me and I was transferred to another representative named XXXX XXXX. I informed her of the tactics her associate was using. I also informed her that there had been no such law changes ... she said I was right. She then started with this magical amendment I apparently signed so they could come after me anyway. This does not exist either. My concern is that if they are doing this to me they are using these tactics on others. 
I will also be requesting debt verification because all their info is wrong ... that account was involved in a chapter XXXX bankruptcy
Product: Credit reporting or other personal consumer reports

I recently contacted ( XXXX, Transunion, XXXX ) to report that my personal information is inaccurate, there is over 15 different addresses, Variations of my Name I've Called over 3 times and even wrote each agency and they continue to report this inaccurate information,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX on XX/XX/2019 did a hard inquiry. I did not ask them to do this, it was unauthorized. I looked up XXXX and apparently it's XXXX XXXX XXXX. I researched and have found thousands of complaints of unauthorized hard inquiries. This only shows up on my Equifax credit report.
Product: Credit card or prepaid card

GUITAR CENTER / SYNCHRONY BANK closed my account without notice. I've been a customer since XXXX and i've had this problem before with payments but they've worked with me ... and they've never close this account. I called XX/XX/XXXX and the operator i talked to seemed very rude on the phone.
Product: Mortgage

I helped my mother get a reverse mortgage in XX/XX/XXXX and she died XX/XX/XXXX. They started Foreclosure procedures about 2 months after she died. I sent them letters ( before she died ) requesting to set aside the reverse mortgage because they failed to follow procedures with their paperwork as mandated by HUD. There were several forms required by HUB that she was supposed to sign that she understood this process. She never signed these forms and did not understand. It was the counseling mandated by HUD but was not followed. That company XXXX was the counseling agency authorized by HUD to do the pre loan counseling, they failed in this capacity. They tried to get me to sign some papers because I lived with her but I refused. They are scheduled to foreclose on XX/XX/XXXX. Therefore I am in immediate need of your help.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent a letter to the US Bankruptcy Court ( Northern District of Indiana ) in which I explained that I had been disputing a Chapter XXXX bankruptcy that was listed out of there courtroom in XXXX, IN. I explained that XXXX stated that this information listed on my report was verified by the courts and I kindly asked what there procedure or policy was on how they verify bankruptcys w/credit bureaus XXXX XXXX XXXX XXXX XXXX Lexis Nexis XXXX On XX/XX/XXXX I received the letter back from the US Northern Bankruptcy courts ( see attached letter ) in which it stated that under the Fair Credit Reporting Act federal and state laws prohibit them from giving any advice nor verifying anything that is reported on ones credit report. So I immediately sent out a letter to XXXX XXXX on XX/XX/XXXX ( see attached letter ) in which I clearly stated to them that the information you said that was verified by the US Northern Bankruptcy courXXXX was either made in error or was clearly just a plain out lie because as you will see in the letter I attached ( to XXXX XXXX From US Northern Bankruptcy Court ) it clearly states that fed and state laws prohibit them from verifying and information about ones bankruptcy nor do they have any control over how XXXX XXXX verifies this information. So that would mean that XXXX XXXX lied when they stated that the information was verified by the XXXX XXXX Bankruptcy court which would then mean that the information is inaccurate and has violated my Fair credit reporting act rights and that it should be removed immediately. Well fast forward here we are into XXXX of 2024 and I am still fighting this matter with XXXX XXXX XXXX Lexis Nexis because they either have me mistaken w/someone elses info or plain out have just made a mistake and will not erase this from my credit report. I have attached a letter received from Lexis Nexis dated XX/XX/year> in which it clearly shows that the disputed information ( XXXX  XXXX Bankruptcy ) was NOT verifiable and that it has since been removed yet however Lexis nexis & XXXX XXXX will NOT remove this bankruptcy from my credit report which I have been fighting for almost a year now. They are falsely listing something under my name and in violation of the 611B fair credit reporting act which they have violated my rights and plain out lied about the fact that the courts verified the bankruptcy. I hope that after filing this complaint that the CFPB will help me to get this XXXX  XXXX bankruptcy that is NOT MINE off of my credit report so I can finally purchase a home for me and my children because this whole matter has done nothing but cause me so many issues for no reason at all. XXXX XXXX is the ONLY credit bureau that shows this listed not XXXX or XXXX only XXXX XXXX. Please help me in getting this false information removed off my report. Thank you Sincerely, XXXX XXXX See attached files w/letters I sent to these companies.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act 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 XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021.
Product: Payday loan, title loan, or personal loan

The company refuses to provide a refund of the overpayment in the amount of {$290.00} made when the account was paid off on XX/XX/2022. We have called the company multiple times to follow up on the status of the refund and each time they tell us " the check was mailed on XX/XX/2022. '' At no point has the check been received. The last three times we have contacted the company we have requested and been assured that a new check would be mailed to us ; however, this is yet to happen despite their multiple reassurances. For three months now, the company refuses to provide a refund for the overpayment of a paid-off loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX {$0.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have multiple transactions that were not authorized by me posted to my checking account I consider fraud since I have not made these transactions. I filled a dispute with chase and they closed my dispute as not valid since their reason is card is to new to be considered fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made a car payment by phone to XXXX XXXX XXXX XXXX ( XXXX ) before the account was late ; however, XXXX posted the payment past the due date and reported my account to the Credit Bureau as a late payment. XXXX XXXX even made the payment to XXXX  official before the account became " late '' ( see attachement ).