23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I received a call from the supervisor XXXX on XXXX XXXX from this company stating an apology for the unprofessionalism that I have been receiving. She requested that I reapply and she would ensure everything would be properly handled. Later this day i received a call from a loan processing specialist saying that all information was received but they needed to verify my bank account because their system was down she stated that she would have a supervisor contact me. There was no call from supervisor only to wake again with a closed application with fraudulent excuses.This company is stealing information, damaging credit scores, and discriminating. Recieved a loan 3 months ago same day no problems and new management is unprofessional.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX {$750.00} - XX/XX/2024 XXXXXXXX XXXX XXXX {$470.00} XX/XX/2024 XXXX XXXX {$210.00} XX/XX/2024 You are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised Equifax several times of XXXX XXXX XXXX inaccurate reporting and they have done nothing about it but continue to report inaccurate and missing information. Credit Limit is missing XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I hope this letter finds you well. I am writing to formally request your assistance regarding unauthorized hard inquiries that appear on my credit report. 

Upon reviewing my credit report, I noticed several hard inquiries that I did not authorize and were not made by me. I have contacted the credit bureaus directly to dispute these inquiries and to request their removal, as I never provided permission for anyone to run my credit. Despite my efforts, these items remain on my account. 

The details of the unauthorized XXXX hard inquiries are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These unauthorized inquiries are negatively impacting my credit score and overall financial standing. I take my credit health seriously and am concerned about the potential long-term effects these inaccuracies may have on my ability to obtain credit in the future. 

I kindly request your assistance in facilitating the removal of these unauthorized hard inquiries from my credit report. I believe that my rights have been violated under the Fair Credit Reporting Act ( FCRA ), and I would appreciate any guidance or support you can provide in resolving this matter. 

Thank you for your attention to this important issue. I look forward to your prompt response and assistance in rectifying my credit report.
Product: Credit reporting or other personal consumer reports

I received my XXXX report and noticed a inquiry from Ameris Bancorp on XX/XX/2023 located in XXXX. I have not conducted any sort of business with this financial institute
Product: Debt collection

XXXX  is a XXXX organization that nourishes off destitute XXXX American  consumers. NO! XXXX Lives do not matter to them when they are complicit with collection agencies to deceive consumers. In particular, XXXX American consumers. I have begged them to remove Innovate Loan Servicing Corp. and XXXX XXXX XXXX from my credit file. I have told XXXX  for years that these two tradelines are one of the same and fraudulent. The auto dealership owner has been put in jail, and the city of XXXX, Georgia, has closed the business due to severe criminal activity. XXXX  is very aware of this dealership. Yet, they have made a reckless decision to put profit over the welfare of me, the innocent consumer. Somebody stole my identity and fraudulently used it, and XXXX, this XXXX and corrupted organization, stubbornly refuse to make the appropriate gesture in good faith by removing those fraudulent items. When will XXXX  be punished for their corrupt commotions? I went through the Consumer Financial Protection Bureau to prove my case, and XXXX  still refuses to remove these fraudulent tradelines. It is regrettable!
Product: Mortgage

Did not receive my escrow balance refund upon closing on a refinance.

Contacted the bank who reported that the escrow balance was used towards the previous loan, however, this was never disclosed in any truth in lending or disclosure statements, nor was it reflected on the settlement statement at closing.

The points and origination fees, were so high, that I was counting on that refund to help offset those closing costs and I would not have proceeded with the refinance had I known my escrow balance would not be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

In 2013 I had a dispute with XXXX who claimed I had a XXXX $ Electric bill for a home with no appliances or heat running as it was unoccupied, after months I made them remove the meter from the property. They sold this debt that was never theirs to a company called AARGON AGENCY who is unlawfully reporting to my credit report that they are owed {$980.00} I have contested this and they have supplied false documents to reporting agency 's to maintain the credit fraud they are perpetrating.
Product: Debt collection

I called XXXX XXXX XXXX XXXX, XXXX XXXX, Insurance representative, XXXX for an insurance quote. He said lets see if the cost of the policy goes down if you insure a vehicle with us and put auto insurance in the system. The insurance I was getting a quote for was my employer. The vehicle XXXX XXXX put in the system was already insured and belong to the business. I was not looking for auto insurance. XXXX did not go with this quote and forgot to cancle the make believe auto policy. I called him and his manager and asked them to stop sending policy payment request. They both said they would handle it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Disputes/Fraud Dept. of XXXX XXXX EST on XX/XX/2020, could not see or would not admit she sees, on her end, XXXX credit report reporting on XX/XX/2020, that Springleaf account connected to fraud complaint # : XXXX, reads as to this day, in bold, black letters, that this Springleaf account is marked CLOSED. XXXX  then can not see, or will not admit to see, their own data. This is a big accountability/logistics problem in itself. This is the second CRA that could not or would not see a creditor account as closed. See attached screenshots.
Product: Money transfer, virtual currency, or money service

I wired {$12000.00} to my XXXX account on XXXX from my wife 's account at XXXX XXXX. It went out of XXXX XXXX on XXXX and was accepted by Coinbase/XXXX. They took the wire and then informed me via email that because my account was not in my wife 's name they would not credit my account with the {$12000.00} and would send it back within 7 business days. I then emailed them back asking to please talk to me to resolve this on XXXX and they have not responded. Case number was XXXX. 

After waiting the 7 days and then some, I emailed them again on XXXX asking what the status of the wire was. They responded with a canned email on XXXX that did n't specifically answer or help resolve my problem in the least bit. 

I told them if they did not help me I would continue to escalate the situation in that email. I do not believe they read my email but just sent a templated one that was crafted to alleviate the masses. Case number was XXXX.
Product: Debt collection

Midland Credit Management repeatedly called my ex-wife even after she told them multiple times that we are divorced. They called from multiple different numbers, all times of the day.
Product: Mortgage

My wife and I applied for a refinance through Amerisave Mortgage on XX/XX/2020. We just did our signing/closing last Wednesday the XXXX of XXXX. This company refuses and rejects calls from you and has the worst communication. I have documented every call and email this 4 month period. When you get a response, it is always by email. They will email you and say they have been trying to call or reach you. Complete XXXX XXXX XXXX. When you do speak to them, you receive attitude and unprofessional customer service. For months, the loan processor kept telling me tge underwriter is still working on your loan. The underwriter needs more documentation, needs more paystubs, needs letters from your employees. Tgis we t on every month sending repeated documentation. My wife and I have good credit, careers and paying jobs. They have no problem contacting you when they need documentation to process your loan. It has been a complete nightmare working with this lousy XXXX company. We finally closed last Wednesday and have not heard a word from our loan originator or processor. We have not received our funds or means of paying other creditors off. This is my 4th time in my life i have refinanced and it usually takes 3 weeks, not 4 months. Now we sit in limbo, waiting with no communication wondering if this was even a real mortgage company. We feel like we've been scammed. I just don't want it gets to go through this hassle and stress. The government needs to look into or investigate this companies unprofessional practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have submitted a notarized affidavit and police report to Equifax in order to have fraudulent accounts block from my report in accordance with the FCRA 605B. My request was clear but instead of following my request, they decided to ignore it and file a dispute. Please do not dispute. Block this item within 4 days as required by FCRA Attached are mail documents
Product: Credit reporting or other personal consumer reports

Reviewing my credit report, I found late payment errors that dont match my history. Kindly correct these issues and update my account.
Product: Credit card or prepaid card

Citibank ( purposely, I'd conclude ) misleads the card holder about interest fees charged on my account. 

After wandering through their website for some time, I finally found an interest rate posted on the " Account information '' area. It had all my information - and listed the fee as a trans-usurious 20.24 %. I called to find out why I'm being charged such high interest. 

It turns out that that is NOT the interest being charged on the balance. The fellow on the phone said it's " only '' 15.99 % - still usurious, but less. 

The rate I or any consumer pays should be posted in large type on the splash page for any card I hold. Period. I should not have to hunt for it, find a rate that proves to be wrong, call the company ( and try to get through their pea-brained computer voice ), and all-in-all spend two hours or so trying to get a simple answer about the rate I pay. 

So - POST RATES IN LARGE LETTERS ON THE ACCOUNT HOME PAGE. 
and GET RID OF THOSE XXXX COMPUTER VOICES. GIVE THE CALLER AN UPFRONT OPTION TO USE A KEYPAD.
Product: Mortgage

I was looking into doing a refinance on my home just recently. I was called back by the refi company and was told there was a lien of {$25000.00} on my home by a Ditech. I went to the State of Colorado and did a title search and was told the lien should come off my title because the Statue Of Limitations had expired. 

I never contacted Ditech but called XXXX  XXXX XXXX and XXXX who is now the servicer of my loan. I had received a line of credit in the summer of 2006 from XXXX XXXX for {$25000.00}. The line of credit was for a non-profit i am the president for. The monies came back from the non-profit and the loan was paid down to around {$3000.00}. XXXX XXXX was closed down and I never heard anything else. 

Ditech has sent me a letter on a Shellpoint letterhead claiming they are my loan servicer and all payments must go to them. XXXX claims they know nothing about the letter. Ditech is going through bankruptcy and nobody knows what the relationship is with XXXX and Ditech. 

Also Ditech sent me a fraudulent letter claiming I called them. They left two voice messages on my phone for collections. I had received letters from them claiming they will not contact me on this loan due to collection laws and the statue of limitations. 
I can not understand how this company can put a lien and cause me damage when the loan is not valid and it has been paid down to {$3000.00} at the most. My title should be cleared of this lien immediately.
Product: Vehicle loan or lease

Basically getting the run around trying to receive a car title from MidAtlantic Finance Co, after paying off the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a complaint. This is a claim concerning fraudulent claims made against me by XXXX XXXX. I have a XXXX XXXX XXXX secured credit card. The credit limit is {$500.00}. I put the {$500.00} on the card myself. They have purposely reported incorrect information that has caused my score to drop tremendously. I paid off the full balance on XX/XX/2023. The end of the billing cycle was XX/XX/XXXX. XXXX XXXXXXXX reported that I still owe a balance of {$460.00} after the end of their billing cycle and that caused my score to drop XXXX points. I don't understand how it could even drop that much, even if I had not paid the balance. However, I paid the full balance on XX/XX/XXXX and XXXX XXXX did not report that pruposely I can only assume. I spoke to a representative on the phone on XX/XX/XXXX and the representative told my that XX/XX/XXXX is the end of the statement cycle and that I should soon see improvement on my score. The representative did nothing to fix it at that time. Then I notice today XX/XX/XXXX that my score has dropped XXXX points. I call XXXX XXXX today and ask to speak to a manager the manager lied and told me that today is the end of the statement cycle and still did nothing to fix the reporting issue. My score has done nothing but drop since I signed up for this card. XXXX points in total according to XXXX XXXX. All of this for a {$500.00} secured credit card, that I put own {$500.00} into funding. My score has never been this low and my goal is to build credit. Instead, I paid off the full balance and my score has dropped lower than ever because XXXX XXXX did not report that the account is paid in full.
Product: Credit card or prepaid card

I used my social security number to apply for credit and I was denied.
Product: Credit reporting or other personal consumer reports

As Per the FCRA and 15 U.S.C 1681 A-B I am entitled to an Honest and Accurate credit report. For years I have not been able to accomplish this based on Incompetent disputing processes of the credit bureau ( s ). Even when False information is being entered with credentials that don't match my name or social, the inaccuracies and fraudulent accounts have repeatedly been attached to my credit.

Reason : I continue to get generic responses from this company no matter what I send in and no matter how much documentation I provide to support my dispute. So I am going to submit my complaint to the Consumer Financial Protection Bureau. 
I have been attempting to dispute the attached items since XX/XX/XXXX, The Creditors have all failed to respond to direct responses. I have wrote to the bureau and included all original letters to creditors along with a request to remove items based on Failure to respond, which most have failed to respond or remedy for over a year. Many of the items resulted from Caretaker Fraud while I was incapacitated with XXXXXXXX XXXX XXXX XXXX Issues From a XXXX Accident which has deemed me XXXX since XXXX and Incapacitated From XXXX to XXXX. With a Subpoena there are boxes of Health and Court Records which are able to prove this.

I am submitting this complaint to the CFPB as my Final attempt to have the Items corrected. I am also going to attach any and all documents to support my disputes, all documentation to support my identity and all documents to show my next steps in the event that these items are not resolved. I will have no choice other than to Sue the Creditors reporting the erroneous information on my credit.

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a XXXX person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. I can tell by the duplicated notifications and notifications of things I did not dispute and NO NOTIFICATION or response to the things I ACTUALLY dispute. I can tell that the Disputes I am sending are not being processed by a Human or Actual Person. I can tell that there's no correspondence to the Creditors, Just proof year after year that the Credit Bureaus are self-deciding or utilizing software and non-intelligent means Ive submitted Factual Documents Numerous Times as well as disputed Items that dont belong to me. The Bureaus have repeatedly failed to correct the errors and made a mess of my credit report giving me further issues and dispute comments on accounts I do not have issues with or errors on.

Please see the attached disputes and supporting docs which were sent for correction ( s ) The Assistance of the CFPB is Greatly Appreciated.
Product: Debt collection

on XX/XX/XXXX Revco sent me a letter Stating I owed on 4 accounts from XXXX XXXX XXXX. XXXX for {$31.00}, XXXX for {$150.00}, XXXX for XXXX and XXXX for {$540.00}. 

I disputed this letter since I had already made payment arrangements with XXXX. 

on XX/XX/XXXX I called XXXX and they confirmed I was making all of my agreed payments on time and the accounts were being pulled from collections. 

on XX/XX/XXXX I was sent a letter from Revco stating that they had confirmed that I owe them for the accounts mentioned above. 

on XX/XX/XXXX I called XXXX billing and talked to a XXXX XXXX he told me that the accounts were being pulled from collections because I have been making my payments. He also stated that he was confused why account # XXXX was even mentioned at all because I had paid that at the time of the procedure. 

on XX/XX/XXXX I again called XXXX billing to confirm that everything was cleared up and I could continue making my payments. She told me that yes everything was pulled from collections but that now I somehow owe {$1500.00} for all accounts. 

on XX/XX/XXXX I received a response from Revco from a complaint to the XXXX  I had submitted against them. They responded that account # XXXX and XXXX were paid in full but I owe {$540.00} on account numbers XXXX and XXXX. 

I do not owe Revco any amount of money as I have been making installment payments on my amount due agreed to by XXXX XXXX.
Product: Checking or savings account

Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I am filing a complaint against the CHASE bank. On XX/XX/XXXX, I XXXX XXXX decided to get a patent from XXXX XXXX XXXX. XXXX XXXX XXXX said it would take about a year to get my idea patent. I found out on XX/XX/XXXX after continuously calling XXXX XXXX XXXX that it was fraud. The company is being investigated by the Federal Trade Commission. I know there is no statute of limitation for fraud. I never got my patent. I paid it using my Chase account over the phone. I called Chase to tell them about this incident but they do not want to refund the money that I gave for my patent even though it was fraud. 



The Federal Trade Commission entered a preliminary injunction indefinitely freezing XXXX XXXX XXXX and XXXX XXXX XXXX is the receiver : XXXX XXXX XXXX, Receiver Telephone : XXXX Email : XXXX My complaint is that Chase says that it protects against fraud but I know that is not true because Chase has not accepted my case to be fraud and reimburse me for the money that I paid which a total of {$5000.00} on XX/XX/XXXX and {$790.00} on XX/XX/XXXX. The XXXX was the first payment I made for research to start my patent where I only received a portfolio. I received a portfolio which I took to a patent attorney who said it was not researched well. 




Sincerely, XXXX XXXX Have a blessed day.
Product: Debt collection

Between XXXX and XX/XX/2018 when I was sick, my credit cards were stolen and account access by a XXXX  XXXX  family member. I filed an identity theft report through FTC # XXXX. I advised the creditors and disputed with all credit bureaus and they are still reporting the information that was due to identity theft. Please delete all negative information as I paid these cards/bills on time prior to the theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

MACY'S/DSNB is reporting several late payments : - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX I have never late on this account. I have sent multiple request to Macy 's and the Credit Bureaus but they always come back verified even though I have proofs of my on time payment.
Product: Checking or savings account

I opened an account with Citibank on XX/XX/XXXX because I wanted a bigger name bank for my SBA loan advance. The account was opened and the advance was deposited fine on XX/XX/XXXX. On XX/XX/XXXX my account was closed and flagged fraud with no notice, no verifications, and I had just gone into a branch earlier that day to get a copy of my card. Now my funds are being held and nobody will tell me the reason for my account closure. I have called numerous times, to no avail. There were no fraud transactions on my account and Id like access to my money because that was all I had.