23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX months after refinancing my home with LSI Mtg Plus, I was promised, in writing, that my mortgage rate would decline from 3.625 % to 3.04 %. Not only did this not happen but I had to pay {$450.00} for a XXXX appraisal and {$100.00} in added court documentation. 
See email below - XXXX From : XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Tuesday, XXXX XXXX, 2015 XXXX To : XXXX XXXX Cc : XXXXXXXXXXXX Subject : RE : eDisclosure from LSI Mortgage Plus - XXXX OK - please reconfirm though - we will be getting a 3.04 % in 6 mos. and we do not have to go through this arduous process again? Yes?? 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Correct. Streamline process will eliminate the need for the appraisal and tedious process we have overcome. 
This has been quite the process. 
Best Regards, XXXX XXXX XXXX Senior Finance Manager LSI Mortgage Plus | Lending Solutions Inc. 
A XXXX Preferred Partner Direct Line : ( XXXX ) XXXX Secure Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX ext. XXXX Federal XXXX ID XXXX | Lending Solutions, Inc XXXX XXXX Lending Solutions Inc. is ranked # XXXX on the XXXX XXXX XXXX for exclusive products, rates and customer service. 
XXXX I WANT THE 3.04 % RATE PROMISED
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a company XXXX reported an erroneous amount on my credit report of {$63.00} saying it was from XXXX. 

I made contact with the company, XX/XX/year> and the 1st thing they said asked for was my social security number, because they couldn't find anything under my phone number. I refused to give that to them as I said I did not even know who they were. XXXX then asked for any alternative phone number which I gave her 1. She still couldn't find anything and then asked for my name. I gave her my name and then she said she text her manager. All of a sudden she miraculously found my info but it was under my Business name. I bet she just XXXX the phone number I gave her. Then she tells me they no longer are handling the issue it is a law firm called Maury Cobb , Attorney At Law , LLC and then the line went blank. I attempted to call back, but you could tell it instantly routed my call a different way and then after a brief period of hold it sent me to an answering machine. 

You can look up both companies with XXXX searches and see it is a group scam they are running. XXXX XXXX XXXX XXXX XXXXXXXX and these types of outfits need shut down. How can they just put fake credit marks on someone's credit report. Now I have to fight to remove that from my previously stellar XXXX XXXX XXXX as their claim has dropped me to a XXXX. 

The call was recorded and told to them at the beginning of such and I can provide this if needed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Corporate Headquarters XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Phone number listed that I called ( XXXX ) XXXX website for the company that reported. 
XXXX XXXX XXXX  I have made no contact with XXXX XXXX as when doing research they have an F rating on XXXX  and appear to be part of this Scam Here is there XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This company has the wrong amount owed on my credit report but in this CFPB complaint and letter response they say I owe XXXX thats not the amount on my report. My report states XXXX. So whats the amount you claim I owe. It cant be both.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX ( which owns Rock Creek Capital , LLC ) is trying to collect a phantom debt from former XXXX XXXX lessee 's that have returned their vehicles years ago and satisfied any remaining amounts owed. XXXX has not provided any record of missed payments or any of the other bogus charges they are claiming. I have been the victim of robo- calling and harassment with threats to my credit score for a debt I do not owe. I am one of many people and this has to stop the FTC and XXXX needs to put this company to an end of its bad practices because it's an abuse of people who have paid their bills. 
Amount disputed {$360.00} My weekly payments had to be paid otherwise XXXX XXXX would not have collected the vehicle and they took my {$250.00} deposit per the XXXX XXXX leasing agreement, my business with XXXX XXXX XXXX was satisfied 3 years ago. I do not owe anything to either of these scammer organizations and anything else is phantom debt. This should be a class action lawsuit at this point. 
My attached document is further proof that the alleged charges are false because they do not align with XXXX XXXX Lease agreement. Also Stated in my contract in Section 9 is that this is a lease that could be terminated early for the fee of the deposit {$250.00}. This was highly marketed in the media outlets. 
See Below from the XXXX XXXX for example : https : XXXX " According to XXXX XXXX XXXX XXXX head of Vehicle Solutions , drivers pay a security deposit of {$250.00}. Unlike with traditional auto leases, theyre not locked into multiyear contracts. If a driver decides to terminate the lease early, he or she forfeits the {$250.00} deposit, with no other penalties. '' How could owe any additional fees ( early termination and sales fees? ) that this company has listed but not verified? The answer is I clearly do not. Please discharge and remove. Stop this company from hurting innocent people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried everything to resolve the issue from writing XXXX XXXX a letter to calling to disputing the issue with the bureaus but nothing has worked as they are refusing to acknowledge my request the XXXX at XXXX XXXX laughed at my concerned and said i would never be able to remove the remark as they say was reported correctly the issue is that it was NOT i paid my lease every mo the on time they failed to report an excise bill and too the money from my monthly hill to pay the excise bill when confronted why they shared that it was a system issue they have and was processed that way
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXBalance : {$750.00XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX  XXXX Balance : {$600.00XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

experian XXXX and XXXX hace derogatory listed on my profile.i am disputng those derogatory posted.
Product: Checking or savings account

I attempted to open a high yield savings account in XXXX, and PNC said I'd receive a response by email within a few days. Not only did they not email me, they rejected my application citing the Patriot Act saying they were unable to verify my identity. At no point did they give me a chance to submit further material. I submitted my driving license information and several attempts to rectify this resulted in " I don't know what happened '' from the company, including from the escalation agent, the consumer verification department, and the Patriot Act compliance branch of the consumer verification department. Nobody has been able to tell me what's going on, and numerous people straight-up just said they had never heard of this issue before. The Patriot Act compliance branch was also a third-party company and the person there was going on about some nonsense about how adverse credit events can be a cause for rejection, but still this person had never heard of a Patriot Act rejection before. She said she could try to fix the issue if I handed over an inappropriate amount of my personal information to this third-party company but there were no guarantees.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were inaccurate reports of late payments on a closed account, even after the closing date inaccurately reported, and when I had disputed it in on XX/XX/22 they did not respond and no changes were made. I disputed it again on XX/XX/22. 

Passed more than 30 days later after XXXX 's disputes, the Credit bureaus stated my account was properly investigated but my current credit report now displays that XXXX had deleted the payment history, Experian changed the dates, which are still inaccurate, and XXXX erased their payment history to unknown status. 

Also, between all three credit bureaus ; XXXX, Experian, and XXXX, the opened dates reported are inconsistent and inaccurate, the closing date is inaccurate, last payment made is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. They also violated my rights under : 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 bureaus took exceedingly more than 30 days to complete my investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a prior complaint with the CFPB on this issue. I was unable to cancel a credit monitoring service offered by Chase Bank. Chase did respond to my previous complaint and i received an email saying the credit monitoring service was canceled. 
I have received 3 credit monitoring alerts after it was supposedly canceled. 
So it still hasnt been canceled. 

I just want Chase to stop monitoring me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Emergency room visit year XX/XX/2012. I was uninsured I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from XX/XX/2012 so they added it to my report as new split into two of  {$96.00} dollars listed twice. It has reappeared on my credit as a new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. No financial assistance offered at the time for medical debt
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I sent XXXX Of my HEX coins to my Coin base account from my XXXX mask account ( valued close to {$23000.00} on that date ). Coin base received my coins  and the transaction was successful. Transaction ID : ( XXXX ) The Coins/funds was never credited to my coin base account. 
I reached out to coin base customer service to find out why my HEX coins ( or their value ) were not in credited to my coin base account, I got back from coin base customer service stated that HEX coins are not used in coin base. So, I sent another email to Coin base  customer service to resend the HEX coin back to my XXXX XXXX XXXX since the transaction was done/ completed and the HEX coins are in their platform and out of my XXXX XXXX XXXX, but they never did giving me the same story as HEX coins  are not used in their platform. 
I filed a compliance compliant with coin base and the answer was the same as their customer service. 

I would like to file a complaint about their business practices and in the way they are maliciously and fraudulently holding my HEX coins and how I am not able to get them credited on my coin base account or refund them back to my XXXX XXXX XXXX 
COIN BASE is publicly traded company, and they need to stay away from shady practices and keeping investors monies as hostages. The bottom line I am not able to get Coin base to credit my account or refund my HEX coins/ money, please help. 

Kind regards.
Product: Debt collection

Things that was removed from my report that was disputed are being put back on my report
Product: Credit reporting or other personal consumer reports

XXXX XXXX  notified me they would be closing the credit card account for non-use, since I didn't need the card and it had not been used in a transaction in over a couple of years, I allowed them to just close it. They reported it as account forcibly closed and my credit score dropped XXXX points. It should not impact my credit score to have a closed account when it had no balance owed. There are other companies doing the same thing, I have XXXX others also when paid in full and/or paid off early reporting so it shows negatively on my and my daughter-in-law 's credit too. Transunion and other credit reporting should know how to correct when disputing.
Product: Debt collection

Western Shamrock has a credit inquire on my XXXX credit report. I did n't receive a loan from this company.
Product: Credit reporting or other personal consumer reports

Equifax delete the following accounts as I have not given permission or authorization to publish this information. These accounts were added to my report without my written consent or authorization. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Equifax is committing identity theft pursuant to 12 CFR 1022.3. Delete these accounts that were added to my report without my permission or authorization. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. Pursuant to OCGA 9-3-24 this account has also reached its statute of limitations on debt in Georgia and can no longer be collected on. To continue to contact me regarding this debt is misleading, harassment and a violation of my rights under FDCPA. Please REMOVE IMMEDIATELY 4. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account Number : XXXX Please remove it from my credit report. 


The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX
Product: Checking or savings account

I had loaned a relative money for a home transaction in XXXX XXXX. He banks at Capitol One. Recently the house sold and he deposited the proceeds from the sale into a separate checking account at Capitol One which would be used to pay me back. First he called Capitol One to try to wire the funds to me and was told he could not do that, as the amount exceeded their individual-to-individual limit. He was initially told that the only way to get the funds to me was to mail/send me a cashiers check, as we live in different states. That was a poor idea to send a cashiers check of this magnitude through the mail or otherwise. Ultimately, after elevating the call 3 times, it was suggested that we establish a joint account ( he and I on the account ) at Capitol One and he could simply do an internal transfer from his personal account into the new joint account and then I could transfer the funds into my personal accounts. So, we did that. However, when I tried to transfer the funds the following day I learned the funds can not be accessed, even though they appear in the new joint account. I called the Capitol One phone number included in the notice and was told that there was nothing I could do to access the funds ; rather there was something that my relative had to do and only he could do, that would make the funds accessible and that I needed to tell my relative to call the bank to take the action they required. I contacted my relative, they contacted the bank late in the day. My relative was told that there is nothing he can do to make the funds accessible ; rather that both he and I must be on a phone call to the bank! As we live in different states, in different time zones and he has a very demanding job, this is difficult to accomplish. It should be illegal for Capitol One to hold these funds and make them inaccessible by the owners of the funds for no reason and keep telling us changing requirements of what we must do to access unencumbered money which belongs solely to us. I called Capitol One again to explain/complain about this and was told there was no one I could speak to at a higher level than the customer service manager I was talking to. 
Seriously, this should be illegal. I feel that the bank has stolen our funds! And also, as Capitol One has no branches in the two states we are located, neither of us can go in person to resolve this matter. Untenable situation!
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate and unverifiable accounts being reported by XXXX XXXX and Jefferson Capital Systems XXXX 

Issues : XXXX XXXX sold the accounts to Jefferson Capital , yet they continue reporting them as charge-offs. 
Jefferson Capital has not validated the debt per FDCPA 15 U.S.C. 1692g ( b ).

The simultaneous reporting of this debt by two entities creates duplicate reporting, which is a FCRA violation ( 15 U.S.C. 1681s-2 ). 
If XXXXXXXX XXXX no longer owns the debt, they can not continue reporting itthis is re-aging of debt and is illegal under the FCRA.
Product: Credit reporting or other personal consumer reports

Subject : Update of Personal Information - XXXX XXXX XXXX [ Date ] TransUnion XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Sir/Madam, I am writing to request an update to my personal information in your records. My name is XXXX XXXX XXXX, and I currently reside at : XXXX XXXX XXXX XXXX XXXX, IA XXXX I would like to confirm that I have no previous valid addresses. Therefore, please ensure that my credit profile reflects this accurate information. 

Should you require any further details or documentation to process this update, please feel free to contact me at [ XXXX ] or [ XXXX ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I initially filed a CFPB complaint against XXXX XXXX XXXX in XX/XX/XXXX and as a result of their inability and non-willingness to resolve the issues presented, I had to file a federal lawsuit case number XXXX against both XX/XX/XXXX and XXXX XX/XX/XXXX XXXX for alleged breach of contract and alleged RESPA violations on XX/XX/XXXX and because they still never resolved the issues, I filed another CFPB complaint on XXXX as the issues at hand as they relate to inaccurate credit reporting and wrongfully holding insurance proceeds were still not addressed. On XX/XX/XXXX I received an email response from XXXX XXXX at XXXX XXXX XXXX stating that they had placed a credit suppression on my account ( I was also actively attempting to negotiate a settlement with them as well at that time ). However, the credit inaccuracies have still yet to be addressed and XXXX XXXX XXXX and XXXXXX/XX/XXXXXXXX have resumed reporting negatively to the credit bureaus and have yet to address all of the inaccuracies. As of XXXX I still see the following discrepancies : In XXXX and XXXX of XXXX, XXXX shows me as 60 days delinquent while XXXX shows me as 30. 

XXXX is the only company reporting me as 60 days delinquent in XX/XX/XXXX although XXXX and XXXX show me as current. 

You'll also find attached several discrepancies in the payment history information being reported across 3 credit reporting agencies by XXXX and XXXX XX/XX/XXXX XX/XX/XXXX and more discrepancies starting in XX/XX/XXXX across 3 credit reporting agencies. 

Having to file the lawsuit and multiple cfpb complaints is just showing a glimpse of some of the additional and undue stress that I am having to endure. I've advised XXXX and XXXX on several occassions this undue stress is negatively impacting my personal, business life, family life, credit worthiness and financial stability yet they continue to operate in bad faith. 

I want the credit suppressed like they agreed upon while my loan is still under review and for the credit inaccuracies to be corrected accordingly. We currently have an active federal case with a hearing for preliminary injunction set on the XXXX of XXXX.
Product: Debt collection

Company: First Point Collection resourcesOriginal creditor: XXXX XXXX XXXX XXXXEveryday I receive 2-3 calls about "debt owed". I have nicely asked them to stop calling and the calls have not stopped.The calls started in XX/XX/2016an continue until present. I never authorized XXXX XXXX to release my account to a 3rd party which is violation of hippa. REMOVE MY ACCOUNTS FROM YOUR SYSTEM.The following amounts are being requested: XXXX, XXXX, XXXX. REMOVE THESE ACCOUNTS I NEVER AUTHORIZED FOR A THIRD PARTY TO HAVE MY ACCOUNT INFORMATION!