23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Originally, I was pre-approved for a loan of {$120000.00} on a condominium. After submitting 30 documents related to the closing, I was issued a closing date. Rocket Mortgage of Quicken Loans told me that I would have to raise my down payment from 5 to 10 %. I was able to do so. They told me that I would need to purchase a walls in insurance policy for the unit in question ; I purchased it. 

I was put off by days at a time and Quicken ultimately stopped the load due to the " aggregate considerations of the loan ''. Unless I was able to AGAIN, double my down payment, the deal was dead ; the deal was dead. 

Both my primary residence now as well as the property in question are on the south side of XXXX - areas that are predominantly XXXX American. A reasonable person would conclude that because of this factor, Quicken Loans inaccurately evaluated the loan as being high-risk and then killed the deal. This is unacceptable.
Product: Debt collection

XXXX XXXX XXXX is contacting me about an alleged debt, and I've never entered into a legal agreement with them. They are continuously emailing me to encourage me to enter into a legal agreement with them. They are reporting fraudulent information on my credit report. YOU ( TRANSUNION ) were supposed to FULLY verify that this information was completely VERIFIABLE and ACCURTE according to XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and the FCRA. 

ACCOUNT NUMBER BEING REPORTED : XXXX Be advised that verification is defined ( XXXX XXXX XXXX XXXX XXXX XXXX ) as follows : " Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition ''. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. 9. The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15-1601 et. seq and Regulation Z. 10. The actual records of the organization or other governmental unit showing that any, and all documents/instrument ( s ) containing my SIGNATURE or likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt. 

?? So, explain to me how you fully verified this debt when they didnt even provide a verified UNALTERED, FULL legal agreement with my signature nor a " Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition ''. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party??? Affirming Accuracy : Just as a pleading must be true under penalty of perjury, the data in a consumer report must be verifiably accurate under the requirements of the Fair Credit Reporting Act ( FCRA ). Legal Consequences : Failure to verify information accurately can result in liability, whether it's in legal proceedings or under the consumer protection laws. 

Another thing to note ; Pursuant to 15 U.S.C-1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that you provide such verification/validation and supporting evidence signed ( under oath ) and certified under penalty of perjury to substantiate your verification. Until the requirements of the Fair Debt Collections Practices Act have been complied with, this debt is verified/validated, you have no consent to continue any reporting of this alleged debt.
Product: Money transfer, virtual currency, or money service

Cashapp closed my account for no reason taking my money that I had as an available balance. I need restitution IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

collection as an " OPEN ACCOUNT '' which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. 
After you have finished with my request, send me a copy of my credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received mail from XXXX  XXXX XXXX in mid XXXX asking for further information before they could issue me a credit card. I knew that I had not applied for credit anywhere recently, so I checked my credit report on XXXX. I discovered that multiple hard inquiries were made and that a XXXX XXXXXXXX with a {$3200.00} limit was successfully opened on XX/XX/2022 with a {$3200.00} limit. 

XXXX  XXXX XXXX : I let them know the application was fraud. No further action needed TD/Samsung : XXXX tried calling multiple times and kept getting transferred to the different departments/companies. I was able to find out that the card was used at XXXX XXXX. I called XXXX XXXX and was told that the purchased product had already been picked up and there was nothing they could do. This card still shows as open on my XXXX and has a {$2800.00} balance which is affecting my credit score. I have been unable to get this card closed. 

XXXX : I put security freezes on my file. I disputed my hard inquiries with XXXX and they removed them from my report. XXXX advised to make a report here.
Product: Credit card or prepaid card

XX/XX/2022 reported fraud on chase credit cards and XXXX XXXXXXXX credit cards because of fraud and theft. 
They say it was authorized and it wasnt. Someone used my identity and information and used the cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - This account is involved in litigation. This account is being disputed for the reason previously stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit reports from the 3 CBs and found that I have a hard inquiry on my credit report from Continental Finance Company from XX/XX/19. I never requested credit from this company on or near this date. 

I called XXXX and spoke with the fraud department who told me that I need to call the creditor from the inquiry to obtain a letter before they can delete the inquiry even though I told them that this particular inquiry was fraudulent. 

I called the creditor at the number listed on the hard inquiry on my report on XX/XX/19 & XX/XX/19 and stated that I needed to speak to the fraud department because I never applied for credit with the company and my information was fraudulently used to try and obtain credit. 

Both representatives in the fraud department stated that they could not find an inquiry under my name or social security number. I need a letter from the company in order to get the hard inquiry off of my credit report. They said that they cant find this inquiry even though its clearly on my report. I have included a screenshot of the inquiry from my credit report. 

I have also placed fraud alerts on my credit reports with XXXX, XXXX and XXXX  so that creditors must call me to verify my identity prior to extending and offer of credit.
Product: Mortgage

XX/XX/year> : Title requested Payoff quote via phone and email with borrower authorization XX/XX/year> : Borrower called XXXX times and was told systems were down, request was sent twice to back office and letter will be received within XXXX hours, and letter will be emailed to me. Also went online and requested the form 3 times and sent an email to XXXX XX/XX/year> : Borrower and Title company called Selene Finance and requested the Payoff Quote and was told the policy is XXXX days sent and not XXXX hours. There is no email or fax option and I would need to put in a request to speak to a supervisor. 

Closing is scheduled for XX/XX/year> and the lack of XXXX 's cooperation has delayed closing which is delaying my future closing.
Product: Payday loan, title loan, or personal loan

I understand you must have full coverage insurance on your vehicle for a title loan and i've had full coverage for over ten years. Instant loans co. Are forcing me to purchase their insurance which adds an additional 60 dollars to pay off. I mention this policy to them and they responded that my insurance must be paid up for 60 days. How is this legal when the loan is only for 30 days?. In additional to this when you make a payment, your new due date is the same date that you pay the loan not the next 30 days, how is this legal? Making customers pay for full coverage insurance when the customer already has insurance seems illegal. They have charged me over 500 dollars in insurance fees in which i already have and have had full coverage insurance for over 10 years.
Product: Credit card or prepaid card

The merchant never provided any valid information regarding the dispute, and the credit card company, Apple, continues to rule in their favor. 

Dispute case number : XXXX Transaction date : XX/XX/2020 Merchant name : XXXX XXXX Disputed amount : {$3300.00} Temporary credit : {$3300.00} I lost the dispute, but Apple reps keep calling me to reopen the dispute. I gave them all the information needed to rule in my favor, letting them know the merchant never provided me with any contract or terms and conditions stating that the service was nonrefundable.

The service I was provided was not as described and the merchant was unprofessional, which is why I opened a dispute.

Apple keeps harassing me every so often with different reps calling me to reopen the dispute. 

Most recently, the dispute was opened again and now they have completely blocked my credit limit and won't even let me pay. 

This is extremely disgusting service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION  AND XXXX HAS ITEMS ON MY ACCOUNT THAT ARE NOT MINE/INACCURATE. 

ADDRESES : XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-NOT MINE PLEASE DELETE. 

NAMES : XXXX XXXX-NOT MINE PLEASE DELETE. 
XXXX XXXX-NOT MINE PLEASE DELETE.
Product: Credit card or prepaid card

It has been over a year and I am still having issues with Victoria Secret and Comenity Bank. Victoria Secret and Comenity Bank make it nearly impossible to login to my account so that I may make payments on my credit card account. For several months their website would not allow me to login using my login credentials ( email/password ) so that I can make my payments online. I called and spoke to them about this on 3 separate occasions. Today I tried to login and had the same issue except this time it allowed me to update my password. I updated my password but it still will not allow me to login using my login in credentials. When I tried to login, I got an error message saying that no account exists with those credentials ( email address ) even though the online system verified my identity with that exact same email address. At this point it is my belief that Comenity Bank the issuer of Victoria Secret credit card is purposely blocking people from accessing their online accounts so that they are unable to manage their accounts and make on time payments. I have been experiencing this issue for over a year and I have had it. I have complained to Comenity Bank and when I did the customer service representatives are unable to fix the problem. I haven't been able to see my Victoria credit card transaction history in over a year, I have no knowledge of what I'm even paying for when I go into to the store and make random credit card payments. I have no way to verify that the transactions made on the account are even mine since I can not login to my online account and they do not send an itemized transaction report when they mail out the credit card billing statement. I can not provide my credit card number because every time my status changes, from " basic member '' to " platinum member '', the credit card number changes. I haven't had used a physical credit card to make purchases in over a year and make purchases in store using my social security number instead. The last time i spoke to a representative, i asked them to send me a new card so that i could login to the Comenity Bank system using my card, they never did. This all seems fraudulent and I would like assistance in getting Comenity Bank and Victoria Secret to fix their system and reimburse me of any late fees or fraudulent charges I have incurred because of their fraudulent system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent credit bureaus my disputes regarding fraudulent accounts opened without my actual consent included identity theft report to better plea my case. In response they said they account was verified on 2 credit bureaus ( XXXX and Equifax ) but XXXX came back as unverified and was removed from report. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : DEPT OF EDUCATIONXXXX ACCOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates LLC is reporting payment on my credit reports that I am not making thus re aging the debt.
Product: Credit card

Regarding Chase Bad Faith Practices Again At Credit Card Services.

This Makes Number 4 Of Serious Bad Faith At Chase, Over And Over Card Representatives Claim All Payments To Card / Pay Over Time Plan / Go Only To Loan, Not To Any Current Charges/ Only To Loan Amount For My Chase XXXX  Card. 

I Created A Pay Over Time For Emergency Heating Repair. 

Every Payment To This Card Goes Directly To The Loan Amount, Not To Any Principal Just The Loan Only. 
So Why Is This Called Pay Over Time? 
All Payments Go ONLY to The My Chase Plan What A Scam Chase Bank Credit Card Services
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2022, I sent Experian a letter telling them to remove addresses that did not belong to me from my credit report and credit file. They disregarded my letter and failed to remove the addresses.
Product: Credit reporting or other personal consumer reports

this company is reporting fraudulent inaccurate information on my credit report I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that's belongs to me.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. Upon reviewing the report recently, I discovered discrepancies that require immediate attention and correction. These inaccuracies with your company not only tarnish my creditworthiness but also affect my financial opportunities and standing. It is my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX Account XXXX : XXXX
Product: Checking or savings account

On XX/XX/2019 I went into Wells Fargo at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I had several XXXX savings bonds to cash out on. The bank did not seem very experienced with these bonds, and they had two different people working on them. It has been over a month, and they just took out XXXX from my account due to a processing error. I'm not sure what happened, but they failed to account for my {$1000.00} bond. In place of the image for that bond on their system, is a {$200.00} bond. I fear that the person that handled the XXXX bond did not process it correctly or image it. I received these for my daughter when my husband died, and I do know that I had one for {$1000.00} because I had just checked the value of all of my bonds before walking into the store. My daughter and I each had one {$1000.00} bond. We could not process hers that day, but we did process mine and I no longer have it in my possession. I believe something happened due to the number of people that were assisting. One processed them correctly, and the other one did not. 

I have two different receipts for this transaction and both show the following : 4 - {$100.00} bonds cashed out at XXXX each 1 - {$200.00} bond cashed out at XXXX 1 - XXXX bond cashed out XXXX Wells Fargo accidentally imaged a {$200.00} bond in the transaction for the {$1000.00} bond and making a claim that I never had the {$1000.00} bond. It is not true. One of the two people there processing these did their part incorrectly. I am not the kind of person that would allow a big mistake like this. I certainly would have known if they over valued a bond. I walked in there knowing exactly how much I would receive because I had just looked them up online.
Product: Debt collection

The representatives call me on my due date harassing me about payment. I tell them when I plan to pay and then they ask all kinds of personal questions about my job and what's going on why am I in the situation that I'm in. That is totally out of line. The employees at Lendmark Financial need proper training on telephone etiquette.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigated but how is that if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate? This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15U.S.C 1681 Section 604 A. States 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

My son and I have a joint bank account with Chase Bank. 

On XX/XX/XXXX, my son attempted to deposit cash into a Chase ATM in XXXX XXXX. He hoped the ATM would count the cash for him, so we dont know the exact amount. I know that he had between {$1400.00} and {$1800.00}, based upon similar deposits I have made for him in the past. 

The ATM jammed, consumed all the cash, and did not give him a successful deposit receipt. It said To be sure your deposit went through, please call us at XXXX. XXXX Note : this receipt is evidence that the machine had malfunctioned or jammed or at least had detected an error. My son went into a Chase bank later and reported the event. They told him to call the number. He did so and related the story. ( ATM receipt photo is included in complaint. ) On XX/XX/XXXX, he received correspondence in his banking portal. Chase confirmed that there was no deposit made to your account. There was no mention of missing cash, of an ATM error, or of a malfunction of any kind. ( Screenshot of the claim response also included. ) My son is busy working to survive, and as a shy person, he asked me as co-account holder to help him resolve this. I went into to my local Chase branch on XX/XX/XXXX after he assembled and sent me all the documents. I spoke with employee XXXX, who validated my identity and my account ownership. She stated that all she could do was call another department as an employee, and confirm that I was who I was, and then have me speak to them. Thats what we did. 

I spoke with a man named XXXX, who frequently referenced his supervisor named XXXX. They were very reluctant to even discuss this with me and seemed to be accusing me of not being authentically who I said I was, despite XXXX having confirmed my identity through my drivers license, logging in with my ATM card, and passing all verbal questions. 

The call dragged on and I became more strident that I wanted this resolved. Finally, they put me on hold for a long time and then XXXX came back and reported there were no ATM jams on that machine. I requested to speak to his supervisor ; he declined. He did tell me I was allowed to reopen the investigation. I told him that I would. 

I further told him to log notes from the phone call, including the following : XXXX. I was filing a complaint with the Consumer Fraud Protection Bureau and if that did not work, XXXX. I would file a lawsuit and subpoena their ATM records and cash reconciliation for that machine. 

This, then, is my complaint with you.