23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Complaint about an unauthorized transaction My name is XXXX XXXX and I hold a business account named XXXX XXXX XXXX XXXX in CHASE bank ; it is a restaurant business account. 
I am writing this to bring to your concern that transactions by Logoconcave.com were unauthorized. Logoconcave.com have scammed me, I only authorized them to charge {$2000.00} to build my restaurants website, unfortunately they hacked and connected my website to adult sites that caused a lot of trouble and ruined my restaurants reputation! They also hacked my personal email, they disappeared after that. I had to shut down the restaurants website and pay a lot to build a new one. I reported the case to the police department located at XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. The case number is XXXX and XXXX XXXX XXXX is taking care of this issue. I previously disputed the charges but logoconcave.com provided fake documents to CHASE that I authorized them to take {$26000.00} from the restaurants account, which I didnt. I had to change my credit card and get a new one. 
By a written request I asked CHASE bank to dispute all payments from my bank account to Logoconcave.com, but since XX/XX/2023 over XXXX times I have gone to the bank or called their customer service but no one takes this problem seriously. 
The CHASE case number is XXXX XXXX the dispute department.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information 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 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 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: Debt or credit management

Credit karma pre approved me for a couple different credit cards as well as also being pre-approved for a XXXX XXXX loan And when I applied they only denied me and they also dropped my credit score a lot.
Product: Mortgage

lived in a home paying rent for 21 years. The owner put the home in Foreclosure, I worked with Caliber Home Loans to purchase the home since XX/XX/XXXX of last year. They wanted {$85000.00} I submitted a contract with a Hud statement to purchase.I started my offer for {$70000.00} rejected then {$7500.00} which was reject and told it had to be {$8500.00} firm. Two days later they send me a e mail saying they reject and are taking the home to XXXX sale.In XXXX it went into Sheriff sale, they started the bid at {$200000.00} the amount with all the Attorney and interest fees plus what ever else. no one bought it. XXXX bought the home back. I tried to speak with someone to still purchase they said no, i had to leave the home. On XX/XX/XXXX the Sheriff came to gave me notice to vacate by XX/XX/XXXX, i did get a extension till XX/XX/XXXX. I'm being told i need to vacate the property then i can try to purchase it.They are telling me i have no tenant rites. I have put into this home within the last 21 years many up grades which i will list at the end of this letter. I also have all receipts to prove it. No one will speak with me to try to help me purchase this property. I feel i'm being discriminated against because i'm a tenant and a senior citizen. I now have to leave a home that i put my heart and money into, it's not fare to me that they will not work with me to purchase this home. Here is a list of improvements i put into the home thinking one day the owner would sell to me. New furnace and chimney liner, hot water heater, New chimney built from Basement Floor to first floor.New kitchen cabinets, cornon counter top and sink, Stove, dishwasher, micro wave, flooring., bathroom tub, sink, toilet, tile, new flooring on 2nd fl, large deck, new bath and kitchen windows, New front and back doors, 2 storm doors. repairing of roof. The list goes on. I have all receipts to prove this. This is a heart ship to me, i raised my son in this home, my grandchildren.Something needs to be done so that these Banks can not do to other people what was done to me Why wouldn't they work with some one that is all ready in a home and qualify s to purchase it. There is no protection for homeowners nor tenants its all with the banks. I di n't set the price a REO did for {$8500.00} so why are they not excepting my offer. I went back and offered {$100000.00} and they said no, i need to leave. I offered to pay rent, no i need to leave. If i'm not out by XX/XX/2018 the Sheriff will lock me out. Please help me to stay and buy this isn't fare what the Mortgage Co can get away with. .I will submit all proof of my repairs theirs so many receipts for me to send now but will upon request. I have emails from XXXX plus they have all my phone conversation recorded Thank you time is of the essences
Product: Credit reporting, credit repair services, or other personal consumer reports

Per attached screenshots, this is in regards to DEPT OF ED/XXXX  as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on TransUnion, XXXX on XXXX. Kindly see screenshots for proof.

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' Much Obliged, XXXX XXXX
Product: Debt collection

GreenSky , LLC is the worst company besides XXXX XXXX, who uses them. I have called and emailed GreenSky and XXXX numerous times and marked as urgent and they ignore me. They say I owe XXXX  of dollars in debt and my stress level has gone through the roof. Their customer service is unsympathetic, barely qualified, and ignorant. They made a {$200.00} service turn into a XXXX debt out of nowhere. They said they needed a HIPPA form that they sent to me returned by email and they sent me a form I couldn't even electronically sign. I asked at least 7 times if I could get a docu-sign form but they kept making excuses. They couldn't even open my file in PDF even though they sent it to me in PDF format. I used XXXX Fill and Sign and  GreenSky claimed they " couldn't open it ''. My husband tested it and it worked for him. They are outright liars and thieves who steal from people who live off a XXXX check, like myself. Nothing is adding up and I am sick. They already made me pay {$1000.00} for {$200.00} worth of treatments and no matter how much I called XXXX or GreenSky, they threatened that I had to pay, anyway. Fraudulent evil corporation. I attached files that make no sense from GreenSky, and XXXX XXXXXXXX XXXX District Manager won't return my messages. They will not get away with fraud.
Product: Mortgage

COMPLAINT : UNITED WHOLESALE MORTGAGE ( UWM ) I REFINANCED MY FHA LOAN THAT I HAD WITH UWM TO ANOTHER LENDER AS A VA LOAN. 

MY SETTLEMENT COMPANY PAID OFF THE {$690000.00} THAT WAS THE PAYOFF AMOUNT DUE ON XX/XX/XXXX. 

UWM DIDNT PROCESS THE PAYOFF AND SAID I WAS SHORT ON MY PAYMENT. 

THEY CHARGED ME {$600.00} FOR XXXX PMI EVEN THOUGH I PAID MY PMI THROUGH XXXX. THEY CHARGED ME AN ADDITIONAL 7 DAYS OF INTEREST {$480.00} AND ALSO ADDTIONAL ESCROW CHARGES. TOTAL OF {$1700.00} AND COULDNT EXPALIN TO ME WHAT THE CHARGES WERE FOR. 

I CALLED THEM 6-7 TIMES AND SPOKE WITH VARIOUS ASSOCIATES AND MANAGERS AND THEY COULDNT EXPALIN WHAT HAPPENED. I WILL BE REPORTING THEM HERE AND TO THE XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

when I recently checked my credit report I seen that there was a closed XXXX XXXX account on my report opened XX/XX/2022 I was not made aware of it this is my first time seeing the account on my report and since it was reported as a closed account I would like for it to get removed of my report I contacted both XXXX XXXX XXXX XXXX XXXX XXXX but they have not made the actions to get the account removed off of my credit report Its been past XXXX XXXX I have put the report in with identify theft as well and now I am here reporting this I would like for this to XXXX off my report it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have had difficulty receiving my free annual credit report from experian. At the last step it directs me to mail them information. This is inconvenient.
Product: Debt collection

I have been call by XXXX XXXX XXXX on several occasions before XXXX PT. The latest being today XX/XX/2018 at XXXX. No matter how many times I tell them to stop calling me at that hour, every few.months they do it. 

XXXX XXXX  is located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

This debt was paid in full as agreed. Then they reported this as XXXX balance last investigation and CRA reporting cycle. Now they are saying that I owe them more than XXXX after just saying there was a XXXX balance just last month! I am so tired of this. They are re-aging the debt and changing the balances. The attached document says they are charging me XXXX for repossession and transportation costs! None of that has anything to do with me. This bank is really wild! They are not even reporting it accurately across the CRAs! This is outrageous behavior and needs to be stopped. They are not entitled to any money from me. Whatever business decisions they made they are responsible for the outcome. I am so tired of these irresponsible and thuggish banks looking for consumer funded taxpayer handouts! Please delete this from my credit report. Federal Law requires it! You all can clearly see the evidence of their erratic attempts to get money from me. They think that I can be bullied because I am XXXX! However I am well educated in America and I am a XXXX veteran so I will not back down when its clear that I am being wronged! They can not produce any signed agreement between us on me paying them some more money. The car was sold. I do not owe them anything. This is a very unethical company. I am literally XXXXXXXX XXXX XXXXXXXX and unable to work as a result of my service connected XXXX. I will begin to make this a news story soon leveraging my connections through the DAV. I am so tired of this bank trying to bully me. How can anyone standby and keep allowing this to happen? Please just delete this record and stop this madness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been going back and forth with Experian refusing to complete an investigation and provide me with all documents and sources pertaining to the investigation they simply just send generic responses stating updated. When calling into customer service theres no help at all please help me with this matter. Although Im not running from responsibilities being that Im a victim of identity theft Im trying to confirm this debt belongs to me and have asked for proof or Deletion. they chose to delete 3 accounts from XXXX XXXX XXXX but allowed the others to remain stating verified how is that even possible?
Product: Credit reporting or other personal consumer reports

Credit Acceptance- I did not take out this loan, someone used my personal information and obtained my info. The company where loan was issued from closed down due to unprofessional practices, Intried reaching out to several companies, and no one is willing to help me get this remove or review
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that 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 information relating to any transaction by the consumer. 
XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE INCORRECT PERSONAL INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

On XX/XX/2022 there were two fraudulent checks withdrawn from my PNC bank account that has Low cash mode option to where the customer is able to return select checks. I was not given the option and checks were cleared by PNC. I contacted the customer service number on several occasions and filed complaint to resolve issue in XX/XX/2022 I was advised that they could not credit back account and return checks and did not receive a clear explanation as to why I was not given the option to return checks in low cash mode. I went to branch to complete two affidavits on XX/XX/XXXX. I was charged two overdraft fees totaling {$72.00}. I was advised on XX/XX/XXXX that I would receive a call back with 24 to 48 hours and no one has contacted me until today I received an email after I called and stated I was contacting to better business bureau. The email stated individual was trying to contact me after I advised I was contacting XXXX.
Product: Debt collection

In XX/XX/2020 I had a recorded XXXX interview with the XXXX  and XXXX company and was interested in joining their club. The agent I was on zoom told me it will be XXXX XXXX monthly and if I can invest that a week and i agreed and with that he asked me to sign a background check document and that I didnt need to fully read this 1 document its just to make sure Im not a XXXX. I did not sign anything regarding payment and documents I received had my copied electronic signature on 4 other pages when I knowingly only signed 1 and nothing else. My signature was electronically forged on other documents. I did not agree at all to paying {$1400.00} for the year and later he asked got off XXXX recording and asked for my card information and advised initiation was {$100.00} which I agreed to pay. I never attended any event and was charged multiple times of {$100.00} I had emailed the company that I had lost my job and the services needed to stop and that was in XXXX when Covid was arising. There is multiple scam complaints on XXXX  with this company.
Product: Credit reporting or other personal consumer reports

I wrote them a lettertstating the facts and they wrote me back saying that there was nothing wrong.
Product: Credit card or prepaid card

Throughout the pandemic, XXXX with hundreds of other Target RED CARD holderswere repeatedly locked out of online access to our accounts to make a payment and/or service our accounts; including changing AutoPay bank details, scheduling future payments, sending messages via the secure system, and changing personal contact details. Even after repeated attempts to rectify the issue with Target, no resolution was providedI was told simply to 'try again '. This Additionally, during this time, the Target Card Services Customer Service Line had hold times of 45-120 minutes, making it impossible to reasonably reach anyone for phone assistance. When reached, Target was aware of the problem but offered no fix. They declined to wave the late fees resulting from it, and instead aggressively pursued collection action, which pushed me into an escalating late status as my Minimum Amount Due increased each month by over {$70.00} ( including a {$40.00} Late Fee ) with no resolution to the matter still. Prior to this issue, my payment was a very manageable $ XXXX. Within 3 Days of my first late payment, my minimum payment became {$81.00} and they would not work with me, even though they openly acknowledged they had an issue with their site. I have found XXXX XXXX in factof posted complaints from other Target RED CARD users on this exact same issue. I have found responses posted from Target as far back as 2019 stating they were aware of the login issues with their site. Yet, another 15 complaints were registered about the same login issue just last week on various consumer complaint sites. Target has been 1 ) fully aware they have a login issue with their RED CARD that is creating problems for their card holders, yet 2 ) chooses to do nothing about it and instead penalizes its customers and even profits from the situation, and 3 ) continues to aggressively push the RED CARD to new customers through unreasonable quotas they demand of their cashiers, while knowing new customers will face these issues as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bankrupcty needs to be removed the case was dismissed. Further I asked the credit bureau their process of verification since the US courts do not report to credit bureaus they did not respond. This has been an ongoing problem with Transunion and they continue to unwilling removed the errounous information. This banruptcy is not in non of my other credit reports this is hindiring my credit scores and lifetime
Product: Debt collection

I spoke with a representaive from Synchrony Bank on XX/XX/23 and have been inundated with multiple calls from several different numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, etc. Upon callback I discovered that every single call was from Synchrony Bank even after I have withdrawn consent to be contacted on a recorded line. Times of each call reported below. 

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

Upon review of my credit report prior to applying for a mortgage loan, it was discovered that there were several inconsistencies on my credit report. Disputes were then submitted with Experian advising of the discrepancies with a request to either A ) verify the information provided or B ) remove said items from the credit report ( this was on XX/XX/2020 ). I had given thirty days to respond otherwise I would be following up. Well after thirty days with no response and no reflection of change on my credit report, I had decided to send a method of verification request to the credit bureaus on XX/XX/2020 with a request to remove the items if they were unable to provide an update on my dispute AND/OR a method of verification as they have already exceeded the timeframe allotted within the FCRA. Responses were then received advising of little or no change however no method of verification was provided to confirm the credit data furnishers were accurate. A letter in follow up to my Method of Verification request was then sent via certified mail and submitted online in the month of XXXX requesting that the inaccuracies be removed from my credit report which return receipts had confirmed were received as of XX/XX/2020. As it has now been a little less than a month since my last request and over four months since my first request, I am submitting a formal complaint in hopes that the CFPB can provide assistance inn the matter as these inaccuracies require to be removed in order qualify for a home loan. I look forward to your response.
Product: Mortgage

Stearns Lending sold my Mortgage to XXXX XXXX but didn't transfer my last payment. They are holding a {$1500.00} payment since XXXX. My bank has contacted them but they say they've transferred it. They havent.
Product: Checking or savings account

I had an account from navy federal bank and it seem like they edged any amount I got paid and made my acct go into the negative before posting my payments and taking on fees, they closed my acct and push me to collections
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX, XXXX XXXX ( XXXX ) inquired about credit. I didn't initiate this and reported it as fraud to both XXXX XXXX and Equifax. XXXX XXXX was able to stop the account from being opened, but Equifax will not remove the hard inquiry from my credit report. I use a credit monitoring/identify theft service ( XXXX ) and they have not been able to get this removed either.