23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Around XXXX PM Eastern time on Friday, XX/XX/2022 I spoke with a mortgage loan originator named XXXX XXXX with a AmeriSave mortgage. During this phone call I informed XXXX that I was in the beginning stages of looking for a home and wanted to get information on loan programs. XXXX asked me how much I was looking to be financed for and I told him that I had seen a property for around XXXX. We talked a little bit more and I gave him my personal information to do a prequalification. During this time he steered me towards an FHA mortgage. He informed me that for the amount I was looking for FHA would be a much better option. I had asked about a couple loan programs that I was familiar with, and ultimately ended with a prequalification for an adjustable rate FHA loan after XXXX years. He stressed the importance of how much interest rates are fluctuating, and how it would be in my best interest to lock that rate in with a {$500.00} deposit. He told me that even though Im still looking if it didnt work out I could get my money back no worries. After speaking with him and thinking some more I thought it was kind of odd to have to pay {$500.00}. I also had to ask several times for a copy of the prequalification letter. Over the weekend I connected with another mortgage loan XXXX with a different bank. She advised me that since I have good credit it would be in my best interest to go with a conventional loan. She gave me loan estimates for both an FHA and conventional loan and explain how it makes more sense with my credit to go conventional. That same day, Sunday, I emailed XXXX to let him know I would like to withdraw my loan application. I got an automated email about how I needed to upload documents, and requested a cancellation of my application and a refund of my deposit. The next day Monday, XX/XX/2022 I received another email from XXXX asking for documents. I responded to that also. Around XXXX oclock that evening I sent him a text message asking if he got my emails. He said he did not. I informed him that I would like to cancel my loan application and have my deposit refunded. He asked why and I told him that I didnt feel like I had a great experience and I decided to go with another lender. He then told me that my deposit would not be refundable since I was going with another lender. We connected on the phone and during that phone conversation he told me that theres no reason he should refund the money since I wasted his time. He also stated that it was not refundable and I could talk to his boss who would tell me the same thing. Why would he refund me when I wasted his time. He also said I told you to contact me on my cell phone and that was the best way to get a hold of me. I reiterated to him that over the phone conversation he stated that if it didnt work out Id get my money back. He said that if I got a denial he meant that if I got a denial I would get my money back. After a heated conversation and him telling me several more times that I wasted his time he still refused to refund my money
Product: Debt collection

I received a phone call from WorldWide XXXX and they let me know that I had been selected for a vacation presentation and for attending they would give me several prizes and a card with XXXX dollars without any obligation. On XX/XX/2022 I went to the presentation and bought a vacation plan with the option of being able to cancel it in 72 hours and call the company within 24 hours because I did not agree with what they sold me. Now they are charging me a debt of XXXX dollars.
Product: Debt collection

I have blocked the numbers from this company but they still call almost every day. on the voicemail the person says they are XXXX and that I need to call them back. this is after the company said they would stop calling.
Product: Bank account or service

I contacted SunTrust to upgrade my current account type from it 's " Everyday '' Checking to the " Select '' Checking which they now offer. I qualify based on my monthly direct deposit threshold ; however, as the person I was working with began to make the changes, she informed me that my current SunTrust XXXX Debit Card would be cancled and that it was eligible for this account type. Per my review of SunTrust Disclaimers online, their Fact Sheet and Brochure, no where does it state that the XXXX Debit Card is ineligible in this account type. Having the Select Checking account type would provide me some benefits such as Non- SunTrust ATM Withdrawls at no charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, XXXX XXXX, and XXXX XXXX i sent dispute asking for accounts to be validated and verified. Never happen and has been well over 45 days. Sent to XXXX, XXXX, and Experin. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. account already paid creditor agreed to remove Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 




Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Re : Letter to Remove Inaccurate Credit Information I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Verify RETAIL XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

2. Validate Verify XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

3. Validate Verify RETAIL XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

4. account already paid creditor agreed to remove XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 





XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

2. Validate Verify XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I have made multiple written requests to XXXX, XXXX, and Trans Union to correct and/or remove mistaken name, address, and other identification information. Each the foregoing, however, appear to either partially address requests or introduce alternate mistaken information in subsequent mailings/reports/communications. 

The concern is that intentionally mistaken/defective variations of my identity and/or address result from the mistaken information notwithstanding my repeated attempts to ensure that all information is correct. 

I have provided clear, legible, copies of my Social Security Card and XXXX drivers license confirming my full name, suffix, and physical address, yet I continue to receive correspondence/report related materials reflecting mistaken variations. 

I never authorize the omission of my suffix from my full name ( or the variation of the appearance of my suffix ), and I do not authorize the suggestion of alternate addresses/sub-addresses/intentionally defective addresses. 

In XXXX and again this year I received fraudulent XXXX forms pairing my name with a mistaken Social Security Number. The concern is that these forms are partly attributable to the defective identification information maintained by XXXX, XXXX, and Trans Union without my consent ( and in spite of my repeated written attempts to provide correct information ). 

I am attaching an example of XXXX of multiple written attempts to correct all identification information maintained by XXXX, XXXX, and Trans Union.
Product: Consumer Loan

Have never heard of the company and they have never contacted me and have never provided any proof of this loan. Despite repeated requests to validate. 

As a Texas resident according to what they placed on my credit bureau reports, last payment activity was XXXX, over 4 years ago. Even if it was valid, which it is not, they are barred by Texas law since the last date of activity was over 4 years ago on XXXX and it is XXXX. 4 years and 3 months, past the Texas statue. 

They continue to update my credit reports with nonsense information like " skip, bad debt, placed for collections, etc. " I have good credit going back 25 years and same phone number for 16 years, same email address for 16 years and save mailing address for over a decade. 

There are no negatives on my account and I have positive credit in the good to very good range across all three bureaus and my address ' that are reported are current. 

The " skip '' comment that they are reporting is totally invalid as nothing has changed in over a decade.
Product: Mortgage

I was enrolled in the equity accelerator program, and Paymap was deducting bi-weekly payments from my account. I am just learning about their deceptive practices and was wondering how I can recoup the fees that I was paying. 

My mortgage is with XXXX. I called them about an issue with my recent mortgage payment and they let me know that this accelerator program ( now XXXX  ) was through a third party. All along I thought it was through them. 

Please let me know what options are available. I have learned that One company was ordered to repay {$33.00} million to consumers who were deceived by a program promising thousands in savings on interest. Thank you
Product: Money transfer, virtual currency, or money service

I do receive an email showing a purchase of a bitcoin through PayPal. I havent never request or buy any bitcoin or authorized this transaction. It looks like a Scam. 

Please make and investigation regarding this company and the fraudulent transaction. 

Thanks
Product: Debt collection

Debt was paid in full yet it still remains on my credit reports after we agreed to a " Pay for delete ''. 

I paid the full balance owed {$370.00} via personal check every week. 

UNITED CONSUMERS INC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Account Number XXXX Original Creditor Name XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Mostly all of XXXX  Ive been getting random charges of purchases clearly I wasnt making being in my hometown and the charges coming out from different states. 

XXXX XXXX XX/XX/XXXX there have been multiple withdrawals and purchase attempts with some actually going thru because I didnt have my card locked. 

XXXX of XXXX  someone transferred a large amount of my funds to an unfamiliar person for well over {$600.00}! 

From XXXX to current I continue to get random charges of attempts with some being successful to merchants like XXXX. 

All of these problems came with me calling the hotline number online only to be told We will look into it and get back and never recieved any call or feedback.
Product: Debt collection

Bill was sent to Mom in XXXX. It was an XXXX bill pertaining to a XXXX appt. for my Dad, who died in early XXXX. I called XXXX to see what action should be taken as my Mom doesn't have the money to pay this bill, and it was my father 's bill. They said my mother had to pay the bill. No payment plan was available. Apparently, XXXX then changed the address to my Mother 's name to send more bills. 
I took the bill and paid it XXXX XXXX. This week Mom got another bill from XXXX 's collection agency, Alliance Collection Agencies , Inc. of XXXX WI. 
This bill/letter is mostly in " bold '' print and threatening debt collection judgement against my XXXX year old Mom, and the bill was already paid! I called XXXX and they said they had recieved the check in XXXX, but it was sitting in an " ink '' account and did not get processed. 
What is an " ink '' account? And why would they not process the check and send it to a collection agency, even though they have their money? This is a bad practice!
Product: Student loan

I have 3 private loans with my loan servicer. I have registered an account with their website. I used the website to get my most recent statement with a due date of XX/XX/2022. It only shows 2 of the 3 loans. I called the customer service department on Monday Tuesday XX/XX/2022 at approximately XXXX. The representative I had was very helpful. She connected with someone in the IT department. The IT person said " the system should not do that '' and then provided no further guidance. We reached a second IT person, who said they will look into it and contact me within 24 hours. I have not heard from them. This is a time-sensitive and urgent issue to receive a FULL statement for all three loans and their pay-off amounts, which is my right.
Product: Credit reporting or other personal consumer reports

Experian has furnished multiple hard inquiries to my credit without my express written consent ranging from the date of XX/XX/XXXX through XX/XX/XXXX. I don't recognize any of these inquiries and want them removed immediately from my reports. Enclosed is documentation from my XX/XX/XXXX Experian credit report showing the inquiries in question, circled in orange. Thank you
Product: Checking or savings account

I opened an XXXX checking account on XX/XX/XXXX since they advised I will receive {$250.00} welcome bonus if I make 2 direct deposits within 90 days. 

But I didn't receive the {$250.00} after I made two payroll direct deposit to my account within 90 days. I contacted customer service in XXXX and the representative said I still need to wait 45 days after my second direct deposit ( which deposited on XX/XX/XXXX ) and there is nothing more I need to do since I already fulfilled the direct deposit requirement for welcome bonus. 

On XX/XX/XXXX, I found I still hadn't received any bonus. So I contact customer service again. This time I received a different response. I was told I can not receive the {$250.00} since I didn't have {$1000.00} balance at the end of 90 days after I opened my account ( which should be around XX/XX/XXXX ). But they doesn't mention this {$1000.00} requirement on their disclosure ( and they even changed the new disclosure, a screenshot of the old one is attached ). 

On the disclosure, the only sentence mentioned about {$1000.00} is " XXXX relationship must be open and in good standing with a minimum balance of {$1000.00} to receive promo incentive ''. This sentence doesn't say anything about 90 days. 

So in short, the disclosure said : 1. The Requirement : two direct deposits within 90 days.

2. When to Receive : 90 days after meet requirement ( the second direct deposit ) 3. How to receive : Have a open account with {$1000.00} minimum balance I don't have {$1000.00} balance at my account now, but I could still deposit before the 90th day. But XXXX customer service just told me I am not qualify since they want a {$1000.00} minimum balance on 90th day from the date I open my account ( It is easy to notice that this explanation is different to disclosure ). 

XXXX bank are trying to be dishonest on their promo disclosure and refuse to pay customer the promised bonus. Their first customer representative said I don't need to do anything and would see my bonus in 45 days. And they didn't compliance to it too.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15U.S. code1681 section 602 states I have the right to privacy. 
15U.S. code1681 section 604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
Under 15U.S. code1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose.
Product: Checking or savings account

Bank of America froze my account XX/XX/2023, and put it under review for no cause and stated awaiting wire confirmation from the other Bank for my incoming wire transfer. Bank of America states my bank account is in Risk Closure and canceled all my bill pay and I am delinquent on my bills now because Bank of America will not release my money.
Product: Credit reporting or other personal consumer reports

Im disputing the XXXX XXXX account reporting by Experian because its incorrect. The account is being reported as " Current, was past due 30 days, '' but Ive always paid on time. This is clear because the other credit bureau, XXXX, is reporting it correctly as " Pays account as agreed. '' This mistake goes against the Fair Credit Reporting Act ( FCRA ), which requires maximum possible accuracy under 15 U.S. Code 1681e ( b ). Experians error is causing me harm and needs to be fixed. This kind of incorrect reporting can lead to fines under FCRA 616 and 617, which allow up to {$1000.00} per violation for willful noncompliance. This wrong information is hurting my credit and doesnt match what the other credit bureau is showing. Im asking Experian to fix the status of this account to " Pays account as agreed '' and send me proof that its been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am reaching out about a Wells Fargo Credit Card on my credit report that has not yet been removed and is continuously preventing me from progressing in life financially. I have reached out to XXXX and XXXX multiple times in attempts to verify the legitimacy of this account and I have received no information or proof that this account is valid. XXXX  results show the account is still currently reporting after my dispute. As of now the only thing I have received is a notification from XXXX with inaccurate results. XXXX has not responded at all. 

In my documentation I asked for a consumer signed signature form both companies and they could not provide this information. I also asked for any sorts of documentation that verifies this account and received nothing. I have reached out to Wells Fargo Card Services directly and they are completely neglecting the issue at hand. 

WELLS FARGO CARD SVC Acct no : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Attached below are the letters sent to XXXX that I mentioned in the paragraph above along with receipts that require electronic signature from XXXX upon arrival. These exact same letters were also sent to XXXX but i did not attach due to their response. 

- statement of personal information correction - 3rd attempt 609 letter letter dispute
Product: Debt collection

I received summons for court after a XXXX month hospital stay. Unknown who the collector was and no communication, I was advised the only way to stop the court would be to pay. XX/XX/year> I blindly submitted a cashiers check to the company and copied all to the court system and judge. I was never provided documentation until after they received my payment. The company seemed to not know how to file insurance properly. The company was not allowing me anytime and was threatening judgement against me if not paid. However you will see by the attached EOB the original company was sent an additional payment which covers the amount in full. My cashiers check was sent XXXX XXXX with a request for the statement. The are now holding my funds that were not needed as XXXX has paid in full.
Product: Mortgage

FBC Mortgage ( serviced through XXXX ) is taking my home away through a foreclosure sale on XX/XX/2019, even though they have failed to review my loan for retention options. I am a XXXX veteran on a fixed income who fell behind on my mortgage when I lost some of my benefits. When I contacted FBC Mortgage/XXXX, they said there was nothing I could do except to pay the full past due amount. This is impossible and I thought that they had to help me keep my home. They are short and rude with me on the phone and there isnt anything I can do to change their minds. I have never had a single point of contact and I need some help with them to stop the sale date and initiate a review for mortgage assistance. I did not survive my combat tours in XXXX to become a homeless veteran. I am hoping your agency can help turn things around and get them to work with me instead of taking my home away.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act the list of accounts below has violated my federally protected consumer rights and confidentiality under u.s code 1681 XXXX XXXX XXXX  XXXX # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX  XXXX # XXXX has violated my rights under 15 u.s code 1681 section 602 A states i have a right to privacy 15 us codes 1681 section 604 A it also states a consumer reporting agency can not furnish a account without my written instructions 15.u.s code 1681C ( A ) ( S ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s code 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I checked my TransUnion credit report and notice a collection from XXXX. XXXX XXXX for the amount of {$250.00} that I didn't authorize. I filed a complaint before and it was removed from my XXXX credit report, but now it have been added to my TransUnion credit report I am not liable for this debt with XXXX XXXX. I do not have a contract with XXXX. XXXX, XXXX they did not provide me with the original contract as I requested
Product: Payday loan, title loan, or personal loan

Got the loan and let them know about my pay dates On multiple instance they've withdrawn funds outside of my pay date which over drafts my account and takes my remaining moneys that I need til next pay day!! 

When I call for them to fix it they offer me another loan??? 
And say that theyll credit it towards my next payment which does not help me at all! 
They did this today and it took my money for gas to get to work this weekend and don't have the money
Product: Credit card or prepaid card

The company will several times a day multiple times a week when I answer the phone the person on the other end hangs up. An example of this would be yesterday they called 4 times XXXX XXXX, XXXX. Each time I answered the phone someone would hang up. I then called the number and spoke with a XXXX in customer service explaining my issue, she then turned the call over to a supervisor named XXXX who informed me she would remove my phone number from the account. However half an hour later at about XXXX they called again and when I answered they again hung up the phone.