23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was trying to pay my credit card account from my savings account, which had sufficient funds in it. Chase was unable to connect to my savings account and refused the credit card payment. I attempted to pay again through the account, and was refused again. I switched to connect to my checking account, which was accepted, and made the payment and it was accepted, however i was charged {$25.00} for each of the refusal fees for a total of {$50.00} Date of first attempted payment : XX/XX/XXXX Date of first fee : XX/XX/XXXX Date of second attempted payment : XX/XX/XXXX Date of second fee : XX/XX/XXXX I was not notified of these fees, even after the payment failed, i only saw it when i checked my statement. I also had sufficient funds in my account and Chase failed to connect to my external savings account.
Product: Credit reporting or other personal consumer reports

RE XXXX XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX  XXXX - XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX  - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX  XXXX - XXXX XXXX of XXXX XXXX. XXXX XXXX XXXX  - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX  - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX  XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX  - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX  - XXXX XXXX. XXXX  - XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX. XXXX XXXX XXXX XXXX XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Mortgage

We built our house in XXXX, and we put {$7000.00} down payment. My husband name was put on the mortgage and both names put on deed. This allow him to qualify for the first time home buyer. I purchase a townhouse when I was XXXX in XXXX and stayed there until XXXX. I refinance my townhouse and got {$20000.00} to furnish our new home. We receive a letter in and around XXXX from BOA stating we were behind in our mortgage and we had not made a payment in 2 1/2 years. This was a mistake we hadn't miss a payment. 
My husband was a engineer on the Railroad bringing home {$5000.00} every two weeks. I thought it was a honest mistake and it would be corrected without a problem. This turn into a 10 year nightmare. The only thing that change in our life was lawsuit against XXXX XXXX. This was retaliation against me. A XXXX XXXX XXXX XXXX XXXX sent from Corporate was made Store Manager. Her first target was me. She walked in my office the first thing she said was do you work in bookkeeping and computer room. I said excuse me. My name is XXXX and I work in computer room. Then she said all of that is about to change. I said excuse me can you tell me what the changes are, so I can decide what I'm going to do. She then got mad and went into Human Resource Office and said I had attitude problem. That's when our life changed. She started firing older XXXX and replacing them with XXXX. I file charge with XXXX and 8 or more people did the same. XXXX refuse to do a Class Action. I hired attorney did deposition. The only thing there lawyers want to know each one of my family member 's name, age, and where they work. My husband was included and he was a target. I request payment history. The documents was altered. It was ridicule. We went to Hud for help they said they couldn't do anything been 24 months behind. I went to XXXX and BOA said that was a 3rd party and they don't work with 3rd party because there name was not on the loan. We tried getting in the program where the government would pay 2 years of mortgage payment. Since we supposedly was 2 years without making payment we couldn't get in that program. We were " XXXX XXXX  '' you can put my name in computer and I come up on a watch list. This loan had 5 loan no. and 4 FHA no. and Hud refuse to do audit. This is there department. You would think they would want to investigate the FRAUD in there on dept. Just like when I made that complaint about XXXX putting my house in Foreclosure which was retaliation. ( My husband XXXX XXXX XXXX give me permission to speak on his behalf. His name is on mortgage and XXXX XXXX and XXXX XXXX XXXX is on the Deed. We are not signing any documents that BOA give us to sign. Due to the Fact we don't Trust anything they do or say )
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to dispute XXXX fraudulent accounts that have been incorrectly reported on my credit file. I am a victim of identity theft, which has been documented in an FTC Identity Theft Report. I have never authorized their creation or reporting. Despite multiple disputes, the accounts remain on my credit reports. 

The disputed accounts are : BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX These accounts contain inaccuracies and inconsistencies across all three major credit reporting agencies. Specifically, the " date of last activity '' and payment history appear to have been manipulated to extend the reporting period,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had got an email from my XXXX account a few months ago saying it was a security breach, shortly after I got a note in the mail from XXXX XXXX XXXX XXXX, then XXXX XXXX  mail came, a few weeks later XXXX XXXX mail came. All notes were declines for a credit card or loan I didn't do. These are affecting my credit score and need to be removed.
Product: Student loan

In XXXX of XXXX, I called after my account was transferred to Mohela from XXXX. I was checking on whether all the documents had been transferred and if my loan forgiveness form was being processed. As I had one employer who would not sign the form for forgiveness I asked what paperwork I could submit to prove that I did work for the XXXX XXXX XXXX and that they were a qualifying employer. This is on the XXXX of XXXX. I was told that I a copy of my W2 's would suffice as proof of employment. The person I spoke with also checked with her supervisor to ensure that she was correct. I believe her name was XXXX. She confirmed that I would need to submit the W2 's for the years I worked for XXXX. I submitted the IRS W2 wage statement for these years. I also requested the payments I made during the covid pause be returned to me. I called again in XXXX around the XXXX to double-check that the document was received and that it would be enough for the forgiveness to be completed as XXXX was my 120 payment. I was told it was fine but the person who reviewed my account in XXXX did not review the IRS document and therefore I was only given a payment count of 80 months. She said she would resubmit the documents with a note on my account to ensure that the IRS form was looked at and it would take 60-90 days. I spoke with XXXX on the chat box today ( XX/XX/XXXX ) to ensure that my IRS document was being reviewed as I was near the end of the 90-day wait period. She informed me that this document would not count for forgiveness and that my request for forgiveness after 120 payments would not happen. I asked to speak with a supervisor and she gave me a phone number. I called the number after I was done speaking with XXXX and was informed after XXXX mins of them reviewing my account that this form was not correct and that I needed to submit paystubs from XXXX XXXX XXXX Having not worked for the XXXX XXXX XXXX for almost six years I no longer have access to the paystubs which were provided electronically at that time. I have been misinformed on multiple occasions by several people every time I speak to someone at Mohela. I have emailed the XXXX XXXX XXXX to get access to the paystubs from this time if they are available. I have received an email from XXXX payroll stating that the paystubs are not available but was told they will print a cumulative payroll report which will have the same information as the paystubs. I do not know if this will be accepted by Mohela as I was told today ( XX/XX/XXXX ) that only the paystubs from this time period will be accepted. I have done everything that was asked of me by this company and they not providing me with the correct information or any alternatives if I can not access my paystubs. My IRS document providing my W2 information from these years should be accepted as proof of employment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Experian, I am writing to dispute the inaccurate and damaging bankruptcy entry that is appearing on my credit reports with all three of your credit reporting agencies. XXXX is the only credit reporting agency that is publicly furnishing this information, and despite my repeated attempts to have it corrected with all three agencies, the error persists. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I am entitled to have accurate information reported on my credit files. The inclusion of this bankruptcy entry is not only false but it is also negatively impacting my credit score and ability to obtain credit. 

Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ), it is unlawful for a credit reporting agency to report inaccurate information that has not been verified. I have not been provided with any verification of this bankruptcy entry and therefore, it must be removed from all three of my credit reports immediately. 

I am also requesting that each of you fill out and return the attached disclosure statement regarding all existing accounts to ensure that full accuracy is reported. This will help to prevent any further inaccuracies on my credit reports. 

I am requesting that all three credit reporting agencies investigate this matter and provide me with written confirmation of the removal of the inaccurate bankruptcy entry from my credit reports. I also request that corrected copies of my credit reports be sent to me and any other entities that have received my credit information within the past six months. 

Please provide me with a written response within 30 days of receiving this letter confirming the removal of the inaccurate information and the completion of the disclosure statement. Failure to do so will result in further legal action being taken. 

Thank you for your prompt attention to this matter. 

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

I have 3 accounts on my file that is a result of identity theft! This has been an on going issue with the credit bureaus regarding XXXX XXXX specifically!! The identity thief was convicted! I have sent 3 police reports within the last 2 years and this issue is still not resolved! The company continues to use the original application which was filled out and signed by the identity thief as reason to keep the items on my credit file! As a result of this I have suffered tremendously! Equifax refuses to comply with the FCRA and is using a fraudulent forged application as reason to not removed the fraud account! The other 2 accounts are collection accounts that was recently placed on my credit file on XX/XX/2019 these accounts were removed last year and RESOLD to a different collection agency, and put back on my credit file! Im filing this complaint because I want this issues resolved! I want it on record that I did everything in my power to resolve this matter before suing Equifax for damages! Please note that these accounts are ONLY on my Equifax credit file as the other 2 credit bureaus have investigated and removed these items.
Product: Credit reporting or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Equifax is reporting XXXX collections and showing the creditor or debt collector as " Unknown ''. If it is unknown then how can they possibly be reporting this? How is this accurate, verifiable information? My research on the Fair Credit Reporting Act shows that this is illegal in reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company wo n't respond to my mail and none of their customer service agents are available by phone. I have sent these people letters and have tried calling them for days, to no avail. It is unbelievable how they are able to get away with this. I have their Trusted ID Premier service and I also have Credit Karma. The credit report through their Trusted ID Premier service is not showing the collection accounts that they are reporting, but the XXXX XXXX credit report is! This is amazing! Also, Equifax is reporting a XXXX XXXX XXXX account twice. It is a duplicate. The account was included in a XXXX bankruptcy. They are reporting two separate account numbers for this ( XXXX and XXXX ), but is the same account! They are also reporting erroneous collection accounts for XXXX and XXXX that do not belong to me! This is sooooo frustrating!
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. Under FCRA 15 U.S. CODE 1681 B in case of liability of a natural person for obtaining a consumer report under false pretense or knowingly without a permissible purpose, actual damages sustained by the consumer as a result or {$1000.00} whichever is greater! 

ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i deceided i dont want this cc any longer i paid it n full and requested to close it i never had a late payment on this account.
Product: Mortgage

I refinanced with loanDepot late last year. After escrow closed, I realized I was overcharged {$490.00} in escrow by loanDepot. 

All the documents ( Itemization of Fees, Closing Disclosures ) I signed prior to closing show that I had already paid {$490.00} out-of-pocket for appraisal, and that I would not be charged this at closing. Yet when the loan closed, the closing statement shows I was charged this {$490.00} specifically at closing. 

To add to the absurdity of situation, 17 days AFTER the close of escrow, loanDepot sent me a revised Closing Disclosure ; The charges on this revised CD ( dated XX/XX/2020 ) matched perfectly with those in the escrow settlement ( dated XX/XX/2020 ). 

It is as if they were aware that they overcharged me {$490.00} during escrow, and then tried to force me to accept the new charges shown the revised CD. They seem to be admitting on paper that they have committed fraud. 

I have brought loanDepots attention to this matter several times, but they still wont reverse the charge.
Product: Checking or savings account

They are applying 6 business day hold to deposits. These holds are causing overdraft charges
Product: Credit reporting or other personal consumer reports

I am disputing the account status for these following accounts ; - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX - XXXX ( Equifax and Experian updated already ) - -- XXXX - XXXX I am disputing the above accounts reporting improper reporting. 
I've disputed this with Equifax, Experian and TransUnion, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XXXX, upon submitting these to all 3 credit bureaus I have not received any changes or updates nor was I provided with a valid explanation. This is detrimental to my personal credit and causing financial harm, and causing me to be denied and moving forward.please investigate this matter as soon as possible.
Product: Consumer Loan

A sub-prime loan company has denied me a loan, after they approved me for a previous car loan a few days earlier.engi was in bad condition, the true price of the car was not reveled to me until the following days, I was told to come back to the dealership to complete more paperwork. Once I saw the true price and the APR I wanted to return the vehicle, because I was sham into a deal, after asking for significant information, that was not given before I considered the deal to be final. I requested a cheaper car in a lot better condition with less miles, the dealership continued to blind me of significant information and cost to trick me into the same deal. But I did my research and knew exactly what I wanted and the price and blue book value of the car. The dealer and their finance department questioned me and still tried to get me to purchase a high priced vehicle, I denied for a 3rd time and said this is what I want and can afford. The dealership contacted the bank that approved me before and confirmed to me that they denied me the loan for a cheaper vehicle 1 year old vehicle, but a few days ago approved a loan for a 5 year old vehicle that cost more. This did n't make any sense, and I believe that this is a form of retaliation and consumer discrimination, along with dealership deceiving practices to misguide the buyer into buying a car that is not what that customer wants and keeping information from the customer, like the bank approving the loan, who controls the APR, what is the amount the dealership added to amount of purchase, these go unanswered and hidden by dealers askew the perception of what the customer is getting themselves into. I know that the banks/sub-prime lenders are in cahoots with dealerships ( who are actually a monopolistic system ) and are using their loan power to limit the options to the customer, and overprice cars by using increasing APR methods and keeping you from contacting the lender. I believe an investigation is well overdue for car dealerships and their practices of using persuasion in a manner to basically XXXX someone into a unwanted deal without revealing the most important financial details in a contract. Also a study and investigation should and needs to be conducted on credit acceptance determining APR/interest rates, I believe the dealer targets particular people to give high interest rates to, and not really considering credit scores to define rates. These problems that I have experienced are involved with me dealing with XXXX XXXX car dealerships and CPS Lender ( Consumer Portfolio Services ). I can be contacted at XXXX XXXX for more information, its time that the oligopilization of car dealerships came to an end and consumers have the right to buy directly from a manufacturer.
Product: Student loan

The number of qualifying payments eligible for PSLF being reflected on my billing statements is incorrect. I have contacted the company several times by email and never receive a response, and I have also faxed them and mailed them all of the information proving that the qualifying payments are not accurate. The first fax they responded that my employment verification dates showed a start employment date that was prior to my employment end date which was just completely not true. I included the employment certification again, along with my credit report showing how many payments I have made on my student loans and every other piece of information I could find to prove the payments reflected are incorrect. I requested that a supervisor handle the request since my first attempt had been so blatantly blown off by somebody just trying to respond to the fax quickly without actually making sure their response was accurate. I have never received a response to the second fax and mailing or the many emails I have sent attempting to check on the status of this.
Product: Credit reporting or other personal consumer reports

These late payments don't align with my usual payment pattern.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, Local Government XXXX : # XXXX, Local Government XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX ( amount : {$3700.00} ), XXXX XXXX XXXX XXXX XXXX XXXX ( amount : {$660.00} ), XXXX XXXX XXXX XXXX XXXX ( amount : {$650.00} ), has violated my rights. 

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

XXXX and XXXX XXXX XXXX XXXX both ran a Hard Inquiry on my credit reports without our authorization. 
We never heard of these companies before. Got their name from our credit reports inquiries section. The Inquiry needs to be removed. This is fraud. 
See attachment which shows the hard inquiries on our Equifax Credit Report both done on XX/XX/2016.
Product: Debt collection

XXXX, XXXX, and XXXX was notified and a police report was submitted stating I was a victim of identity theft, XXXX XXXX XXXX {$47000.00} for a vehicle, XXXX, {$300.00} Capital one in the amount t of {$740.00} was also notified. these items are still on my credit report.
Product: Credit reporting or other personal consumer reports

My husband and I with through Lexington Law to repair our credit in XXXX and XXXX at time my husband has passed away since then.