23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a realtor and I have a client who was approved for a USDA loan on XX/XX/2022 by one of you MLOs XXXX XXXX. We made an offer on XX/XX/XXXX and it was accepted and went binding on the same day. XXXX received all the documents for the offer on XX/XX/2022. We had a 14 day financing contingency that XXXX was well aware of. A week after the financing contingency ended XX/XX/2022, XXXX called our client to tell him that he could not be approved for a USDA loan and instead had to go FHA and come up with an additional {$10000.00} down to get approved for a loan for the home. He never told me any of this information. He also told the client he would be get his earnest money back, which is not true and a total lie. He also ordered the appraisal and it happened almost a week ago, and neither the client nor I the realtor have received a copy of the appraisal report or even knew it had happened until the other realtor let me know. This is all unacceptable and if my client loses his earnest money, it is absolutely this lender XXXX 's fault. He has gone radio silent and will not answer any phone calls, texts or emails. I am referring our client to another lender to try to hold this deal together and not lose him his earnest money. I will never refer another client to your company, I can not believe how there is zero communication from XXXX.
Product: Credit card or prepaid card

XXXX/XXXX/2020 - I used cash app to purchase a {$300.00} item by unknown seller. I was told once payment was received that I would get tracking details immediately. That has never happened from the seller/scammer I instantly requested refund through cash app and the only way thats approved is through the seller. I got scammed so that person isnt going to approve refund request. XXXX XXXX wont do anything about this transaction either. I couldnt do anything about the charge while it was pending, during that time I had seller/scammer blocked. Yet she still received the funds once transaction settled. I then filed dispute through my debit/credit card company. Which on XXXX/XXXX/2020 I get the decision my claim was denied. Those are my funds I never received anything in return I want to report both XXXX XXXX and chime visa debit/credit card.
Product: Credit card or prepaid card

I received in the mail a debit card from U. S. Bank ReliaCard. I never applied for this and want to know how they got my information?
Product: Checking or savings account

XXXX was stolen from me in XX/XX/2020 used on 3 atms gas stations a bar it was 9 transactions that wells fargo didnt place a hola atext a call wondering if it was me or not, i tried to resolve issue with them stating it wasnt me i had lost my card and noticed in the XXXX called right away representative reassured me " dont worry i see all these transactions in the matter of 2-3 hours youll get your money back " so fraud department had to do investigation which i was fine with and stated since the person used my pin they couldnt help me, i stated what are you talking about arent i insured?? so therefore they told me i had to go to police and do a report which i did and have and called them with the report number, the man who took my report and gave the transactions to stated the bank should give me back money knowing how much fraud is going on ..im still awaiting on bank and am still behind in my rent due to banks error!!! shame on you WELLS FARGO ffor making me endure this over a year,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX / XXXX  I was denied a mortgage loan for being 180 days delinquent on my child support. I have contacted the  XXXX  credit reporting agencies and have disputed this incorrect information. I have disclosed the child support payment agreement since  XXXX / XXXX / XXXX . The court order states that I pay  XXXX  a month and I pay more than  XXXX  a month. There are arrears from the divorce that were awarded to my ex wife for court cost. This was awarded as support so I could not file bankruptcy " per my ex wife and attorney ''. please remove the inaccurate and damaging information. I have called the De partment of Economic Security an d was advised that I am current in my child support obligation. I hav e 50/50  custody of our children and am being penalized as a responsible Father, my credit report haunts me on purchases from vehicles and even deny our family the ability to purchase a home.
Product: Money transfer, virtual currency, or money service

Hello On XX/XX/XXXX i was trying to purchase an animal from the website XXXX 
I received an email from XXXX with the amount of {$200.00} with the invoice of a payment where was saying that i can pay with PayPal. Ive been asked to send the money as friends and family opition so they dont get a fee. They gave me So i proceed with the order and transfered the money to where i was asked. After that i received an aditional email saying that i have to pay an extra fee for the animal because it got stuck at the post due to some quarantine. Thats where i realised i was scammed. First i tried to contact a person who i sand money he said he doesnt know anything about it and he was asked by a friend just to cash money. Than i contacted paypal they said that they do not cover those transactions and i should contact my bank. So i did and my bank said that they can not do anything about it. So im reaching out to file a complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are reporting incorrect personal information on my credit files. I need the credit bureaus to report the following on the personal information section. The following information is what is supposed to be reporting. 

Name : XXXX XXXX XXXX XXXX report name as reported on my DL and SS Card ) No other names or sub-names are to be reported Address : XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( nothing more, no abbreviations ) Employment : XXXX XXXX All other address, name and employment information that is being reported that is not as listed above is to be removed. 

Also any " Personal Statements '' that I may have added in the past and are being reported are requested to be removed. I am not requesting any personal statements on my credit reports at this time. 

I have written you several times to correct this and you have failed to acknowledge and to correct which is why I am now submitting this complaint with the CFPB. 

No other requests are being made at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report it is showing a different status then what the original loan is through I'm not sure what is going on but I am very unhappy about this and this is a violation of the Fair Credit Reporting I am trying to get something done with this in it this is actually forcing me to go legally because this is so unfair I don't understand why the credit reporting is getting away with us there are a lot of unhappy people
Product: Student loan

I have applied NUMEROUS times to have my co-signor released from my loan. I have met all of the requirements on their release list, and I have made all of my payments on time. My co-signor is an ex-boyfriend that is married and wants to be released from this loan. I obviously can financially afford this loan, I have made payments on time, there is absolutely no reason to continually deny this request.
Product: Credit reporting

XXXX has wrongfully placed an account in collections. XXXX has indicated that I owed {$1700.00} for water bills at XXXX. This is absolutely false. All of the bills were in good standing upon leaving. This company bulldogged and bullied me into leaving the property. They initiated an eviction on me when all of the rents were paid on time. Elite home management has placed this account in collection with National Credit Systems. I would like this account removed from collections immediately. Attached is full documentation that this account was paid in full. Additionally, XXXX kept my deposit. I would like to request my deposit be returned as I left the property in good standing and was NEVER late paying monthly rent. Please see all attached documentation. Furthermore, the claim that XXXX is stating I owe monies for a water bill is false. The amount started in XXXX of 2012. The account was never placed in my name and started with a balance of over {$700.00}! XXXX presented false documents to the court in order to have me evicted from the property. I 'm requesting that this is immediately removed from my credit report and handled outside of a credit reporting agency as these claims are false!
Product: Mortgage

My mortgage was transferred to NewRez after they acquired my former lender XXXX. They sent me several letters saying they were going to place hazard insurance on my property in XXXX 2024, despite me sending proof of insurance over email about XXXX times to the address provided to me from their chat support. They never responded to my emails and continued to charge me for lender-placed hazard insurance, despite the chat support saying they should refund me the lender-placed hazard insurance after providing proof of existing property insurance. I also tried several times to submit it through the online portal link mentioned in the letters they sent, but that also received no review or response. I have tried calling their number to figure out why my insurance documents aren't being reviewed and their phone number will not connect you to a real person no matter which department option you try to choose. I have no way of getting in touch with a real person at this company and they are continuing to charge me for insurance that I already have. I have even left a XXXX review with my dilemma hoping a real person would see it and yet they just left a comment with the same broken phone number.
Product: Debt collection

NAME : Credit Protection Association ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Website : www.creditprotect.com Scam collection attempt Received numerous phone calls and a letter from Credit Protection Association L.P. Claims I owe money to XXXX XXXX in the amount of {$420.00}. I am positive I never used XXXX XXXX services. 

The letter claiming that my account has been turned over for collections as of XXXX XXXX 2017. Collector is Credit Protection Associates L.P. 

Original Creditor : XXXX XXXX Account Number XXXX Service Balance : {$420.00} Collection Fee XXXX
Product: Credit reporting or other personal consumer reports

I was stunned this morning to discover that there are inaccurate accounts on my credit report, and I have no idea how they got there. I regularly monitor my credit report, but this time, these errors just showed up out of nowhere. I even tried refreshing my browser, thinking it might be a glitch, but the inaccuracies persisted. This has me really XXXX, so Im asking that the documents I provided be thoroughly reviewed to prevent this from happening again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiry reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$440.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5100.00} XXXX XXXX Balance : {$450.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Debt collection

I received a letter with XXXX collection agency names on it. " XXXX XXXX XXXX XXXX " and " XXXX XXXX XXXX, XXXX '' showing a debt that I do not owe from " SYNCHRONY BANK ''. Please remove this from your records as this is not a valid debt. Both the business 's that the debt was aquired from made errors and were fraudalently handled by a phone team of social justice warriors who kept me on hold and never did have the correct amounts. I filed complaints then with attorney and oversite agencies. It was supposed to be dismissed. Farthermore I am inpacted by a natural disaster. Please the statute of limitations is also up on this. The entire fair debt collection practices act was stifled by the original companies vengeful tribal phone team. I saved call recordings and records. But now i have these shady creditors still contacting me at an address thats not even accurate. I want this updated immediately. This is not a valid debt on many levels. Please remove and update all 3 credit agencies as well. Please also provide me a letter stating that the negative reporting has been removed. Not a valid debt. Thank your phone team. Please do this avoid other agency complaints as well as counter suit for such. Please do all this and respond in writing as i can not speak on the phone due to a XXXX. Hurrican Ian is impacting me, luckily while vengeful it seems to be a very weak willed entity. Sticks and stone, toughen up. God bless ; - )
Product: Money transfer, virtual currency, or money service

Coinbase withdrew {$990.00} from my Ct XXXX XXXX. ( said they are not liable. )? 
May 10- 12 withdrawals {$190.00} ,5 times. Co. They would have taken more money out if more funds in there. I also filed claim with Ct Banking though i live in Ma. now.

Coinbase has no live person to talk with. Emails are robo auto responses.
Product: Credit reporting or other personal consumer reports

I checked my credit on credit karma and found an opened line of credit that was not XXXX that I applied for or received monies from the LOC. The report showed that XXXX XXXX XXXX of credit opened a line of credit on XX/XX/year> for {$4300.00} ( highest balance ). XXXX payments were made for {$72.00} each in XXXX and XXXX. The account was closed on XX/XX/year>. I filed a dispute with the transunion XXXX XXXX and they responded that the information was deemed correct. I know it is not correct because I never opened that line of credit nor did I receive any monies from this transaction. I am now concerned that my house may be in jeopardy. 
I have also had recent issues with XXXX of my wells fargo accounts where charges were found that I did not make. XXXX XXXX closed the card and reissued me another card. I also found issues today with my XXXX XXXX account where charges were made that I did not make. I am starting to have real concerns about identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company put incomplete information on my credit report -XXXX Inquiry from XX/XX/2019 Miscellaneous Institution Information No contact information has been reported by this creditor. 
I never applied for a XXXX card, and it is no address or phone number to contact the company so it can be removed. 
I have paid all of my bills on time for the last 12 years but that does not reflect my credit score, XXXX score XXXX XXXX XXXX XXXX XXXX It is something wrong with this picture, My credit information has been breached under XXXX but have not make good on it, and my information is being hacked but they have not done one thing about it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C. 1681 which mandates a reasonable investigation of disputes. Furthermore,XX/XX/XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) -B, as highlighted in the CFPB 's recent administrative proceeding ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation. Accounts in question, ALL INQUIRIES!!
Product: Payday loan, title loan, or personal loan

I was served with papers on XX/XX/XXXX in regards to a lawsuit filed against me for nonpayment of a pay day loan. The company who has filed suit is SCIL., Inc. dba SpeedyCash.com for a loan of {$670.00} that was taken out on XX/XX/XXXX. The amount of the suit is for {$1300.00}. 
When I first received letters from SpeedyCash stating that I owed money for a pay day loan that was never paid on I did attempt to call the company. I have not taken out a pay day loan from this company. I was unable to reach anyone in regards to my complaint. As I know that I did not take out this loan I assumed this was a scam to get money from me. I kept receiving letters and eventually disputed the amount through my credit bureau. 
After I was served papers I went back to the credit bureau report and found that had noted the debt was valid. I then contacted the law firm that filed the lawsuit. In speaking with the lawyer I was told that all the information was in fact mine however that when the loan was taken out that the ach was sent to a XXXX XXXX XXXXXXXX account. I do not have a checking or saving account with XXXX XXXXXXXX XXXX and so am certain that this loan was requested fraudulently with my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize New Rez LLC making an inquiry on my be half or gave them permission. I did not make any inquiries to give any permission to use my information for a new mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2023. Its been well over 30 days, I still have yet to receive anything back. 

I do not have any accounts or credits with these companies and are all closed as well. 

Here are the accounts that are in violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute This is a violation of my rights.
Product: Debt collection

On XX/XX/2018, a new collection account was added to my credit report by Credit Management , LP, in the amount of {$330.00}. I have previously disputed this debt with the XXXX  ( XX/XX/2018 ) because I had no knowledge of this account, nor had I received any phone or mail communication regarding the debt. Again, I still have not received any communication, yet the collection account has shown up on my credit reports again, causing a significant drop in my credit scores. I would like the inaccurate information/debt removed from my credit reports as soon as possible.
Product: Debt collection

A XXXX debt owed to XXXX XXXX XXXX XXXX that was paid in full to a Collection Agency, but is still being reported by the Collection Agency ( below ), and still appears on all three credit bureaus as, " An Account with a Negative Pay Status ''. The current balance is and has been {$0.00} for over ( 2 ) two years. I have asked the reporting Collection Agency to remove the above reference negative notation, and I have provided them with documentation they've requested, but they have refused to correct or remove the negative reference. Thank you. 

Diversified Consultants XXXX. XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

tried reaching out and continues to reach out through email, mail or phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have attempted to get my credit reports to reflect accurate information. I contacted the creditor, who provided letters. I have had these updated and removed due to them being too old and TransUnion has made me write and call in multiple times. I was told by one supervisor, XXXX that he would place an expedited request to have it removed as it was too old to report on XX/XX/XXXX. Then on XX/XX/XXXX my credit report showed there was no update. I contacted them and spoke to XXXX XXXX who told me that the creditors letter did NOT state the date of delinquency was XX/XX/XXXX and that TransUnion can report up to 7 years after the account is closed. Well if that is the case, the account was closed on account # XXXX on XX/XX/XXXX so they are long past the 7 year time frame then! Also, the account ending in XXXX was closed XX/XX/XXXX and the account ending in XXXX was closing XX/XX/XXXX. So I am respectfully requesting that TransUnion remove the old negative information now as the timeframe is 7 years from the first date of delinquency and even if they wanted to take the account that was paid on XX/XX/XXXX, that Statute in MN ran XX/XX/XXXX, so anything else was time barred if it would not have already been settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incomplete account and Im not aware of this debt and did not have the opportunity to dispute this information. Did not receive a call or certified mail. Please provide Validation of Debt. 

There is incomplete file on XXXX  # XXXX ; There is a account on TransUnion I'm not aware of # XXXX I did not have the opportunity to dispute this information and I have perfect credit. I would have never allowed such actions to take place.
Product: Credit card or prepaid card

On XX/XX/XXXX I called XXXX XXXX to cancel one of my cards. To my knowledge all I had opened under XXXX XXXX was a XXXX XXXX XXXX card and XXXX XXXX card. The representative asked me on the telephone, " Which of the four accounts would you like to close? '' I said what all I know about is the two accounts. He said you have a buisness account under XXXX under XXXX XXXX & XXXX XXXX, you have a XXXX XXXX card under XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX card. I told XXXX XXXX that that is my Dad opening up accounts in my name. The representative states that both the XXXX XXXX and buisness card were opened in XX/XX/2022 and XX/XX/2022 and that there was a balance of {$5000.00} on the business account and {$3000.00} to the XXXX XXXX account. I told XXXX XXXX to cancel my account and they transferred to fraudulent department and an investigation was started. They said id receive something in the mail in 2-4 weeks. I then pulled my credit report from XXXX and saw a Bank of America card opened in XX/XX/2022 which I did not open. I called bank of america and asked what account was opened and they said there is an account open in your name XXXX XXXX but the number, email and address were all my dads information. I was transferred to fraudulent department and they closed the account. The total amount for bank of america was {$3800.00}.
Product: Vehicle loan or lease

I have been waiting for well over two months for my license plate and registration to arrive in the mail. I have spent hours on the phone with Carvana and contacted them through several social media sites to try and get information on where my paperwork is and not a single employee has been able to give me information or a time frame. I was told that their 3rd party vendor had sent my paperwork to the DMV XX/XX/XXXX and yet I have called the DMV several times and they have never received any paperwork from them. Last call to the DMV was XX/XX/XXXX. I was also told by the DMV that they are not allowed to give out temporary license plates from a different state and both temporary license plates I've received have been from XXXX XXXX XXXX. When I fi rst bought my car I was told I would receive my plates in 30 to 45 days. It has now been well over 65 days and there is no estimate on when I will receive them. People have been waiting for over 6 months and it is completely unacceptable.