23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America underwriter declined my mortgage application on XX/XX/2018, half way into escrow which was started XX/XX/2018 and jeopardized my home purchase due to negligence on the part of the loan officer nmls XXXX who failed to submit my information correctly. I was then forced to find another lender and pay higher fees and get a much higher rate due to the time constraints of the escrow. 
I received a letter from bank of America today saying that the loan was declined because they were unable to verify ownership or occupancy and unable to verify qualifying income. I have supplied all requested documents such as XXXX, paystubs and tax returns as well as letters of explanations but my information was not submitted to the underwriter correctly by the bank of America loan officer. I have spoke to several lenders after my loan was declined and they all agreed that bank of America did not do their job and that the loan officer failed to correctly submit the 5 C 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX XXXX XXXX. Ive already included this in my previous complaint & I am including it again., XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX : {$2800.00} XXXX XXXX XXXX XXXX : {$2800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$960.00} XXXXXXXX XXXX XXXXXXXX Balance XXXX {$2800.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a debt with an apartment community and had called the agency listed on my credit report. They told me that the account had been transferred to an alleged law firm. I attempted to contact this law firm to resolve the issue and was immediately questioning whether or not they were legitimate. I performed research on them and had found legal action taken against them, multiple complaints on the XXXX website, and many persons stating they were not legitimate. Thus, I contacted the firm about the issue and never received any real information on their practices or my debt. I asked them for a validation letter to be sent, but they never stated the address it would be sent to and did not disclose the information that would be on that letter, such as my rights under the FDCPA. Since my suspicion was risen, I contacted the apartments that I owe and they had stated that it was very strange for the account to be transferred to another agency and not be handled by National Credit Systems, since they only deal with that agency and not XXXX XXXX XXXX XXXX. A lady at the apartment had contacted National Credit Systems to confirm that the account was still under their care and had notified me that it was, so I called them back and got the same answer, that the account had been transferred to XXXX XXXX XXXX XXXX XXXX, apparently a company under the same umbrella as National Credit Systems. I attempted one last time to speak with them about the issue and not one thing was resolved and no other information was given to me.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, {$260.00} was withdrawn by Venmo for a business going by the name of " A Mercahnt. '' I did some research into this transaction but found nothing in my records for this amount. After filing a dispute with Venmo, the company told me the charge was legitimate. Additionally, Venmo refuses to tell me the real name of the business or of any individual associated with its ownership. 

From my limited knowledge of XXXX financial law, Venmo can not withdraw money from my bank account for an anonymous business and is required to inform me of the real name of the company or affiliated individuals. 

I ask that the {$260.00} be returned to my bank account. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/23 my daughter, XXXX XXXX, age XXXX, and I went to the PNC ATM on XXXX XXXX, XXXX, PA where she attempted to deposit {$140.00} cash into her student checking account, of which I am part owner. The ATM machine malfunctioned during the transaction and kept {$80.00} and spit out {$60.00}. We immediately called the PNC customer service line and were told the issue would take XXXX business days to resolve. This is unacceptable as my daughter was depositing the funds to use for XXXX shopping! 
On XX/XX/23 we called the branch directly and spoke with XXXX, explained the situation, and asked if they would check the machine that day and return the funds. She was not helpful, not understanding or compassionate. I asked to speak to a manager and she said no one was available and she said a dispute would be filed and it could take two weeks to be resolved and there is not a guarantee that the money would be returned to my daughters checking acct. At that point I told her I was extremely disappointed in PNC and they needed to escalate this to a higher level because it seems as though they are just taking advantage of a child at this point. No one cared to give this matter any attention since she was not an important customer to them. I told her I would out this situation on my social media so that others were warned to not deposit cash into that ATM or they would potentially lose their money. Later that day ( XX/XX/23 ) I received a call from XXXX XXXX who said he was calling because I threatened to 'go to the media ' with my concern. I explained the situation and he said he would get back to me on XX/XX/23. That day came and went and no call or email from him came. That evening I emailed and said that I would be filing a complaint with the CFPB. On XX/XX/23 he called and said that there would be a complimentary credit made to the checking account of {$80.00}. He asked if I would still go forward with filing the complaint. Obviously, this resolution was expedited as PNC did not want a complaint filed. I am extremely disappointed in PNC and am filing this in hopes that the process will change and a customer will not be out cash money again due to the failure of their equipment.
Product: Credit card

I received a notice of collection for my Sears Citibank XXXX XXXX from a collection agency. I never received any notice of payment due, late payment notice or received any email or calls concerning a debt owed Sears prior to the collection notice. I have attempt to contact Sears, Citibank which refers me back to the collection agency who informs me they only have the capacity to collect the debt but not resolve any dispute concerning the debt. I have always paid all my credit card debts in full upon receipt of bill including prior Sears bills. My billing address has not changed and the collection agency used the same to contact me. I am willing to resolve any debt with Sears but unable to speak with anyone who can resolve the issue of failure to bill, notify and contact me about the claimed debt. Attempts to contact Sears/Citibank has resulted in recycling back to Collection agency who is unable to provide a resolution, but only can collect the debt. Sears having the correct mailing address, yet I did not receive a bill or any other attempts to contact me is alarming in light of the fact I received and responded to all correspondence from the collection agency to whom Sears/Citibank provided my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a lot of wrong information and sticking to them I disputed it many times but Still it is there Im tired from them. 
The wrong info doesnt allow me to get a loan or a credit card It says bad and false info on my report to prevent me from progressing in my financial life. It caused me to not have a credit by making my profile untruthful and unreadable. 
Any creditor avoiding to trust me because of false info that the Experian spread it!!! 
Please help me out I need to save my life from all inaccurate information that Experian is reporting purposely.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX  XXXX XXXX is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ). Reporting agency ( CRA ) is reporting inaccurate information on the listed account below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this account from my personal file ; XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Please refer to my previous CFPB cases : XXXX and XXXX I want to find out from US Bank that : 1 )  whether i received the {$200.00} cash bonus or not? 
2 ) I have n't received any paper statement. Rather than asking me to reach out to usps ( which i will ) - why not they investigate why the statements or notifications were send to me in time. 
3 ) I never had access to my online account. 
4 ) Apart from these fees - have US Bank also taken any other money from me?
Product: Debt collection

I received a writ of garnishment from XXXX wage garnisment for a collection debt from 2004. I have never received any documentation or notice to appear in court to be able to defend myself. The agency name is western state adjusters, llc on behalf of XXXX XXXX. I live in the state of California. The amount they are trying to collect is {$7200.00}. I never had a chance to petition my case or appear in court to defend my position. I never agreed to pay anything once the debt was charged off and appeared on my credit report for a period of 7 years or longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with the following credit bureaus XXXX, EQUIFAX, XXXX, I have request update credit reports and have received no answer to my disputes nor for the update credit report request.
Product: Credit reporting, credit repair services, or other personal consumer reports

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  are all pulls from my credit report that i did not do.. 
also there is a XXXX XXXX XXXX that soley belongs to my mother that i have nothing to do with and there is her car loan through XXXX XXXX XXXX that has nothing to do with me i did not co sign with her i am not on any of her paper work i am not at all finacially responsable for either of those accts
Product: Debt collection

I do not know anything about this debt. I have not received anything in the mail concerning this debt therefore I have not been able to verify anything about it. It just showed up on my credit reports claiming to have begun on XX/XX/year>. This company has violated my rights as described in the Fair Credit Reporting Act by not allowing me the 30 days allotted to dispute this debt before reporting the debt to the credit reporting agencies.
Product: Debt collection

XXXX XXXX XXXX purchased my debt from Capital One in the amount of {$300.00}. The amount that XXXX XXXX XXXX is charging me is {$450.00}. XXXX and I agreed to settle at {$350.00} ( more than I needed to pay ) and I paid it. They cashed a check with an agreement letter attached that states, " Only cash if you agree to delete account permanently from credit reports ''. Since calling to follow up with XXXX they have told me that there is still a balance of {$100.00}, which is completely absurd. This is totally inaccurate reporting and it 's deceitful, not to mention they cashed a check on an implied agreement.
Product: Credit reporting

I am just beside myself. Equifax has repeatedly victimized me without a second thought. They are reporting information on my credit report that is NOT mine. They 're saying people can do a hard credit inquiry for " permissible '' purposes. The recent inquiries on my report DO NOT fall under " permissible '' because I have NEVER done any business with these companies. In addition, they continue to report a XXXX XXXX account as late that IS NOT MINE. Finally, they are reporting a XXXX XXXX Secured Card that my bank opened without my permission and was NEVER funded. The account was NEVER open and active. That should NOT be on my report! I have been victimized for years and I am begging for someone to PLEASE STOP THEM. I 've already proved information they claimed was " verified '' is false. Furthermore, I 've contacted the people who pulled my credit without my permission and they have no explanation. Those inquiries are illegal and need to be removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was having an issue with something reporting on my credit file from a Credit Union it was finally resolved directly with the Credit Union and they indicated they would send the updated information to the bureaus. Equifax however indicates that there is a 90 day freeze on my credit file but I did not repeat did not request a Freeze, now my information can not be updated properly nor if I wanted to apply for something I can not even do that. The most important thing is they need to unfreeze my credit file immediately!
Product: Credit card

I was supposed to go fishing on XXXX  XX/XX/XXXX for two people with XXXX. I had prepaid that in advance with your group. It was stated as a 4-Hour fishing trip. It took 30 minutes to get out to the fishing spot and 30 minutes to get back. That would leave 3 hours of fishing. They only allowed us for to fish for about 30 minutes towards the end of the boat ride. We complained on board but they didn't care. 
I went to the XXXX desk when I got back to the XXXX XXXX XXXX resort and spoke to XXXX. He said to dispute the transaction with my credit card and that I would get the money back. {$330.00} I believe
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I have opted out of any and all authorizations I the consumer may have given in written, unwritten, verbal or non-verbal communication per 15 USC 6802. I have sent letters to XXXX, XXXX and Experian to have the following accounts removed, and they are not complying.
Product: Credit reporting or other personal consumer reports

I am filing this urgent complaint regarding fraudulent charges and accounts that have appeared on my credit report. I am a victim of identity theft, and unknown individuals have opened accounts in my name without my consent. Despite my repeated attempts to resolve this matter, no creditors or bureaus have provided any contracts, signatures, or proof to substantiate these transactions. The accounts in question, which include the following, were initially removed from my credit report but have since been re-reported without proper notification : XXXX  XXXX XXXX. XXXX accounts were reinstated without notifying me within the required XXXX window, as mandated by 15 U.S.C. 1692g ( Validation of Debts ). This constitutes a clear violation of my consumer rights. Furthermore, these accounts have different open dates and inconsistent information across the various credit bureaus, suggesting significant inaccuracies and further misconduct. The failure to notify me of the re-reporting, combined with the furnishing of inaccurate information, is illegal under multiple provisions of federal law, including but not limited to : 15 U.S.C. 1681 ( Fair Credit Reporting Act ), which ensures accuracy and fairness in credit reporting ; 15 U.S.C. 1681s-2 ( a ) ( 1 ), which prohibits the reporting of inaccurate information to credit reporting agencies ; and 15 U.S.C. 1692g, which requires timely and adequate validation of debts. Despite my good-faith efforts to resolve this matter directly, I have been met with negligence and non-compliance on the part of the creditors and credit bureaus. These unlawful actions have caused me significant harm, including damage to my creditworthiness and undue stress. I demand the immediate removal and permanent blocking of these fraudulent accounts from my credit report. Additionally, I demand a full investigation into the practices of both the creditors and the credit reporting agencies involved in this matter. If these demands are not promptly addressed, I will pursue legal action against all parties involved for their failure to comply with federal law and protect my consumer rights. I will seek all available remedies, including statutory damages, punitive damages, and attorneys fees. Thank you for your immediate attention to this matter. I expect a prompt response to this complaint, the removal and blocking of the fraudulent accounts, and resolution of these issues within the timelines prescribed by federal law. Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a recent copy of my credit report and noted an unauthorized inquiry. I have contacted XXXX XXXX and their fraud team completed an investigation and sent a letter to me, concluding that the application to XXXX XXXX was fraud, cancelling it. I have a letter attached from XXXX XXXX with the reference number. As these inquiries are both unauthorized and unsubstantiated, I request that they be deleted from my credit report. I have called Equifax multiple times and was told that all hard inquiries are legitimate and to file a dispute online. On XX/XX/XXXX, I filed a dispute with Equifax. However I was not allowed to attach any documents or a statement that would support my claim. After submitting my dispute, I was shortly given a response a few hours later denying my request to have the XXXX XXXX fraudulent inquiry removed. I called a few days later. Perhaps it was XX/XX/XXXX, only to be told by XXXX from a call center in the XXXX that hard inquiries are factual and could not be disputed. 

Per section 611 ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically, per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer I believe Equifax did not do a proper investigation ( on XX/XX/XXXX ) of the XXXX XXXX inquiry on XX/XX/XXXX. XXXX XXXX sent me a letter on XX/XX/XXXX, stating that the fraud team did an investigation and concluded that the XXXX XXXX application submitted on XX/XX/XXXX was in fact fraudulent. If an investigation was completed in less than a day, surely Equifax would have contacted XXXX XXXX to verify. 
Since there is no evidence that I initiated these requests, I request that this inquiry be removed from my credit report as per section 611 ( 5 ) ( A ) ( i ), and that Equifax promptly delete the following item  from my credit report. 

The following inquiry was not authorized : 1. [ XXXX XXXX ] [ XX/XX/XXXX ]
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX  XXXX Account number : XXXX XXXX Inquiries : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Incorrect Information : XXXX XXXX XXXX - Incorrect addresses XXXX - Incorrect XXXX XXXX XXXX XXXX - Incorrect Names These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Payday loan, title loan, or personal loan

My daughter XXXX XXXX, In XXXX XXXX XXXX made an online purchase for sneaker at XXXX XXXX XXXX with shop affirm payment option to pay every month. The company closed its door and never sent the order but took money from Affirm. XXXX Affirm took the XXXX payment of {$26.00}. in XXXX  has been trying to take payment every month. The company did not cancel the order or send the funds back to affirm I have called shop affirm about this issue and they stated its nothing tht they can do but I dont understand why do I need to pay for the order I didnt get. I looked the company up on the XXXX and they have a lot of complaints about them not sending the orders.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. I was not informed by Capital One on this matter until XXXX  XX/XX/year>. Thank you.