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

The Company is Dave Inc funded by XXXXXXXX XXXXXXXX XXXX XXXXXXXX. Dave is headquartered in XXXX CA and XXXX XXXX XXXX XXXXXXXX in TN. Dave is an online overdraft/payday loan type service. I opened an account and was caught in a perpetual loop of my bank account needing to be verified. Because of this no services were able to be provided. Not even customer support//service. AlL THE WHILE they were debiteding my supposedly unverified account MEMBERSHIP fees! No one would help me at all until I filed BBB complaint against XXXXXXXX XXXXXXXX XXXX XXXX. Dave has now closed my account but will not delete my information and will NOT stop.contacting me via email even though I have unsubscribed and Uninstalled the app. 
They do this to hundreds probably thousands of people. They just take as much from everyone as they can get away with and sell our information. I am quite sure there are a lot of people out there that don't know how to challenge them and just accepted the lose. I know there are a few for sure, I read there reviews on XXXX. You need to look into the " business '' practices of Dave. They are deceptive and conducting fraud.
Product: Credit reporting or other personal consumer reports

Experian sent a letter to my residence and still did not correct my existing problem. They once again updated my credit history regarding four student trade lines instead of deleting the trade lines in accordance with sweet vs cordona loan forgiveness suit. The trade lines need to be delete from my credit report and should have been done so over one year ago.
Product: Debt collection

Galaxy International Purchasing , LLC. is attempting to collect a debt that I do not know what is for. It is not on my credit file. They have not sent anything in writing. This is not my debt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX CT GA XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within XXXX ( XXXX ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you XXXX be liable for your willful non-compliance.
Product: Checking or savings account

UMB Bank restricted access and blocked my access to my account and money. I called UMB on XXXX XXXX and spoke with XXXX at XXXX, he told me the fraud department was closed and needed to call back earlier in the day and he could not help me. 
I called again on XXXX XXXX and spoke with XXXX in the " online banking technical support '' department and he told me he could not help me access my online account and I needed to call a branch, which he provided a phone number XXXX. I called this branch and was told that I should have not been sent to the branch and they could not help me. He took my information and said someone would call me. Later that day, XXXX, called me from XXXX and after confirming my information she told me I could access my account the next day. It is now 2 days later and I still can not access my account. 
I have been lied to and I am outside the XXXX so it costs me {$2.00} per minute to talk to UMB and they keep passing me off and lying about my account. I need to access my account and it should not matter where in the world I am currently at to do so. I spend many months per year outside the XXXX and it is not alright to lock my account and deny me access to my money.
Product: Credit card or prepaid card

I opened a new American Express XXXX XXXX card and paid a {$550.00} annual fee on XXXX XX/XX/2021. I was unhappy with the card and closed the account on XXXX XX/XX/2021. I spoke with an associate on XXXX XX/XX/2021 and closed the account and also requested a pro rata refund of the {$550.00} annual fee. American Express now refuses to refund to me the unused annual fee. I feel it is unfair for American Express to keep the entire annual fee because I was only using the account for less than 7 months. I feel that it is wrong to retain unearned customer fees.
Product: Credit reporting or other personal consumer reports

I am deeply frustrated and overwhelmed by the presence of unauthorized items on my credit report, which are a result of fraudulent use of my personal information. I have never benefited from these transactions, and yet I am left dealing with the repercussions. Taking this matter seriously, I filed a report with the Federal Trade Commission, believing it would lead to a swift resolution. However, despite following all the recommended steps, these fraudulent items still remain on my credit report. This ongoing issue is causing significant XXXX and negatively affecting my financial well-being. It is unacceptable that these unauthorized entries continue to harm my credit standing.
Product: Credit reporting or other personal consumer reports

I am writing to formally request and to follow up the removal of fraudulent items on my credit report. This is my attempt to rectify these errors, which are significantly impacting my creditworthiness and causing undue stress. Despite numerous previous attempts, the following issues remain unresolved : According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies on my credit report, including fraudulent items. Please investigate these matters promptly and remove the fraudulent information. I request that you provide written confirmation of the results of your investigation and the steps taken to correct these inaccuracies. Additionally, please send me an updated copy of my credit report once the corrections have been made. I am also seeking assistance from you. Please be advised that I am filing a complaint with you to request their intervention in this matter.Kindly help me remove the following items immediately : XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2400.00} INACCURATE ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$4100.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance {$17000.00} XXXX XXXXXXXX XXXX Balance Owed : {$6500.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXXXXXX XXXX : {$2400.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed XXXX {$6500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Checking or savings account

Had 2 charges come out of my account and I disputed them. Was promised my claim was expedited and that I would receive my funds within a few days and funds were never dispersed. Told by several different employees my new debit card was being sent and it never was. It was canceled 3x. My problem has not been handled and passed off and blown off by multiple people of keybank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has removed public record from my account ( attached letter dated XX/XX/2020 ). I have disputed this item several times with both Experian and XXXX who report the results of my investigations from their 3rd party reporting agent XXXX as " verified ''. This is inaccurate and against my rights under the FCRA. Please have them remove this public record immediately.
Product: Mortgage

Ocwen rescinded a written short sale approval letter days before our scheduled close date by way of a service transfer which is a direct violation of Making Home Affordable Program Handbook of Servicers for Non-GSE Mortgages Paragraph XXXX. Ocwen did not transfer necessary data and documentation including the information of the authorized advisor who would be the acting listing broker. 
We are trying to close XXXX XXXX, 2015 and the buyer 's lender is ready to fund XXXX XXXX, 2015. However, without formal preliminary HUD approval from Ocwen the transaction can not close. The first has approved the close date of XXXX XXXX, 2015. If the first lender does not receive their money on XXXX XXXX, 2015 as they have approved. The first approval becomes null as " buyer/seller '' did not meet obligations of the written agreement. This is no fault of the buyer or seller, but the fault of Ocwen who serviced/investor released the loan during an active written short sale approval and not complying the rules and regulations of HAFA. 

Dates : XXXX XXXX, 2015 : First lender, XXXX XXXX XXXX, approved the XXXX short sale with a closing date of on or before XXXX/XXXX/15 XXXX XXXX, 2015 : Second lender, Ocwen, approved the XXXX short sale with a closing date of on or before XXXX/XXXX/15 XXXX XXXX, 2015 : Broker and/or Seller ( borrower ) request for preliminary final HUD approval for a close date of XXXX/XXXX/15 per the instructions of the approval letter from both the first and second lender XXXX XXXX, 2015 : First lender, XXXX XXXX XXXX approves preliminary final HUD to proceed with the closing XXXX XXXX, 2015 : Broker and/or Seller ( borrower ) place second request to the second lender, Ocwen, for preliminary final HUD approval per the instructions of the approval letter XXXX XXXX, 2015 : o Broker calls Ocwen to follow up on the status of preliminary HUD approvalo Ocwen bounces the call to a company called XXXX XXXX XXXX who will now be the point of contacto Broker is not authorized to speak to XXXX XXXX XXXX as is told to email/fax in authorization to speak on the account and wait 24-48 hours for authorization to be receipted ino Broker calls CFPB for XXXX assistance ( speaks with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX to step in to contact Ocwen. CFPB informs broker that the web is the only way to file a complaint as they can not do anything since broker did not have a " question. " It is with much sadness I write that all the above mentioned CFPB representatives are not trained to be preventative. The protocols that are in place only serve to " remedy '' situations once it becomes a tragedy. The CFPB needs to understand that preventative measures are more beneficial in the long run than trying to cover a larger wound with a band aid that could have been prevented all together. 

I desperately called the CFPB for assistance and went on deaf ears because all the CFPB could offer was an investigation that would take weeks. I had mere hours to remedy this catastrophic event that the CFPB would not recognize until it explodes on XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing my credit report and being notified that my information is on the black web and part of a data breach I noticed wrong names and addresses and accounts that do not belong to me I have notified my local police dept. XXXX XXXX  {$5900.00} XXXXXXXX XXXX XXXX {$920.00} XXXX, XXXX XXXX XXXX, Hard Inquiries include XXXX XXXX XXXX XXXX  XXXX addresses include 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 along with wrong names XXXX XXXX XXXX XXXX XXXX XXXX these items and accounts do not belong to me and i would like them deleted and removed from my credit report as soon as possible they are causing me great hardship i have also made a FTC report also These addresses do not belong to me and a none deliverable this is repoorting on my Experion report and i have contavted them serveral times
Product: Credit reporting or other personal consumer reports

This letter serves as a formal and urgent follow-up to my previous correspondence regarding the inaccurate negative accounts on my credit report. It is unacceptable that despite multiple attempts to resolve these issues, these erroneous entries continue to tarnish my credit profile.
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX F, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reportsPlease let me know if you need any other information from me to block this information on my credit report.Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX F, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I recently returned to the United States and checked my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and do not understand why they are there. 
As a consumer unfamiliar with these inquiries, I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. The inquiries listed below are unfamiliar to me : 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 I am seeking clarification and information regarding the purpose of these inquiries. As per my rights under the Fair Credit Reporting Act ( FCRA ), I request that you provide details on who made these inquiries and for what purpose. Please also confirm if these inquiries have resulted in any new accounts or actions on my credit report. 
I appreciate your prompt attention to this matter and look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX my score was XXXX. In XXXX I contacted the 3 credit reporting agencies to get my score. Equifax was the only one that didn't charge. XXXX and XXXX wanted to charge a fee. After I contacted them, suddenly my credit score began to drop from XXXX ( the highest possible ) to XXXX. There is nothing negative about my credit so I can't understand why the big drop. The agencies are no help ( if you can get a live person ). It seems like these agencies can make up any score they want with no explanation. Since credit is so important in our society, these agencies should be under tight control/supervision/monitoring. I'm also beginning to suspect there may be a racial component here such as targeting minorities by lowering their credit scores so lenders can charge high interest rates. This kind of thing has happened all too often in the past.

Thanks for taking my complaint. 
XXXX XXXX XXXX
Product: Mortgage

We have a home equity loan from PNC Bank originated in XXXX. The loan was for {$150000.00} and a XXXX yr term. We had bought a house that needed a lot of work, but still had our previous mortgage. Our lender advised us to get an interest only loan and refinance after we sold our previous home. We sold our home, but at that point the housing market ranked, we were living in the house while remodeling and could not refinance without having a kitchen/siding and we were struggling to pay our mortgage. We modified our first mortgage ( XXXX XXXX XXXX ) around XXXX and have had 3 or 4 services since. We did not miss any payments with PNC ( Home Equity Loan ) and do not remember authorizing ANY documents to change our terms, but somewhere along the way they changed them and our payment. We have EVERY piece of documentation ever given to us by PNC. Including our original payment booklets and conversations questioning why things had changed... BUT IVER THE YEARS NOBODY AT PNC CAN GIVE US AN ANSWER OR ANY DOCUMENTATION AS TO WHY ( other than when you modify your first mortgage, your second mortgage automatically gets modified. We have requested copies of the original loan documents as well as the modification documents and neither the XXXX XXXX PA branch or lending department can obtain them. It has been 16 years, this loan should have been paid off, but we still owe {$89.00} ... Can you please help us straighten this out?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. there are items in my file that are erroneous and needed investigation Here is the list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} US DEPT ED XXXX Balance : {$11000.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX XXXX : {$6400.00} US DEPT ED XXXX Balance XXXX {$10000.00} US DEPT ED XXXX Balance : {$4700.00} US DEPT ED XXXX Balance : {$6300.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$3600.00} US DEPT ED XXXX Balance : {$7300.00} US DEPT ED XXXX Balance : {$5400.00} XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} XXXX CRED ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$5600.00} XXXXNELNET XXXX Balance : {$0.00} XXXXNELNET XXXX Balance : {$0.00} XXXXNELNET XXXX Balance : {$0.00} XXXXNELNET XXXX Balance : {$0.00} XXXXNELNET XXXX Balance : {$0.00} XXXXNELNET XXXX Balance : {$0.00} XXXXNELNET XXXX Balance : {$0.00} XXXXNELNET XXXX Balance : {$0.00} XXXXNELNET XXXX Balance : {$0.00} XXXXNELNET XXXX Balance : {$0.00} XXXXNELNET XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXXXXXX XXXX XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$11000.00} US DEPT ED XXXX Balance : {$10000.00} US DEPT ED XXXX XXXX XXXX {$10000.00} US DEPT ED XXXX Balance : {$6400.00} US DEPT ED XXXX Balance XXXX {$10000.00} US DEPT ED XXXX Balance : {$4700.00} US DEPT ED XXXX Balance : {$6300.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$3600.00} US DEPT ED XXXX Balance : {$7300.00} US DEPT ED XXXX Balance : {$5400.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX XXXX : {$4700.00} DP OF EDUC XXXX Balance XXXX {$11000.00} DP OF XXXX XXXX Balance : {$6300.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$6400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$580.00} DP OF EDUC XXXX Balance : {$5400.00} DP OF EDUC XXXX Balance : {$10000.00} DP OF EDUC XXXX Balance : {$4300.00} DP OF EDUC XXXX Balance : {$3600.00} DP OF EDUC XXXX Balance : {$7300.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$5600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion refuses to allow me to access my credit freeze/unfreeze technology on their website and simply states for weeks now : Sorry, we're having trouble showing the status of your credit freeze right now You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX XXXX. - XXXX XXXX and Saturday - Sunday XXXX XXXX - XXXX XXXX XXXXXXXX XXXX.