23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Requested rate online for refi of mortgage with couple of online lenders. Received email followed by phone call from Better.com and XXXX XXXX, loan originator. I was told in writing and in phone call because of the 60 % XXXX I estimated and 50 % XXXX XXXX estimated and my excellent credit I was pre approved. 
I made it clear numerous time I was not prepared to move forward yet as I had to leave town in few days to help with family having major XXXX XXXX and would not have access to records of multiple properties I owned. XXXX however assured me repeatedly there were only couple things needed to do online. After answering few questions online and becoming concerned that this was not a no doc or low doc mortgage, the next tasks on website were locking in mortgage and paying for appraisal. I asked her if appraiser needed inside and she didnt know. I told her if he or she did to tell them it would be few weeks. I also asked if I was going to be asked for tax returns as I would need to scan the 50 or 60 pages before leaving town. 
The appraiser called few hours after I paid appraisal fee and was told nothing. The tasks continued to pour in day after day with XXXX and her assistant refusing to take any responsibility for the misleading pre approval and other statements the were fully aware were misleading. The document I did provide with explanations were repeadetly rejected because pertinent information was never conveyed to underwriting. I repeadetly explained for example many properties were paid for but they continued the website continued to request loan papers. 2 properties that are on one insurance policy were repeadetly submitted with explanation to XXXX, her assistant and her team yet they would simply load to website and then tell me they were rejected because address was wrong. 
This repeated deceptive pre approval and ignoring everything I have said since day one including income on application says XXXX when XXXX, mortgage listed twice ect were of no concern to them. All they wanted were task completed which must be 30 or 40 items and website that is horrible for self employed or landlords. They have now insisted my application may be rejected for being incomplete. They accept no responsibility for sucking me into process that I repeadetly told them would be difficult with only cell phone that must be off most all day and records XXXX miles away.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 


Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in the general if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the investigation is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( x ) promptly delete that information form the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I had my first late payment which was reported to the Credit Bureaus. This has been very impacting as it has kept me from getting an auto loan. This was the only time I missed a payment and it was due to catching XXXX. I was in the hospital and was unable to make a payment. I was XXXX of the first cases. I would appreciate the help in removing this negative reporting as it has taken a negative impact on my credit report and this was out of my hands. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, Original Creditor, XXXX  XXXX  XXXX, XXXX, XXXX   XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Accounts, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

134
Product: Checking or savings account

I noticed that there were large sums of money taken out of my checking account. I went to report it as fraud because my card got stolen about a week prior. Chase said that since it was through XXXX chip there was no way to verify that I didnt make the purchases and there wasnt enough evidence to prove that I had lost the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are currently still reporting an account from XXXX XXXX XXXX that the company itself has said to be deleted as the account was inaccurate. 

In XXXX of 2021 my husband and I sent a joint validation letter to XXXX XXXX XXXX in regards to an entry listed on my credit report. XXXX responded that they were not collecting on this account and the account had been sold to a collection agency, XXXX XXXX. I then sent a copy of this letter to all 3 major credit bureaus and was deleted from just XXXX on my credit profile and XXXX and XXXX  on my husbands credit profile. 

Later in XXXX of 2021 we sent a validation letter straight to XXXX XXXX requesting a proper validation for this account. We received two letters dated just a day apart stating that XXXX did not have knowledge of this account and the other stated that they were ceasing collection on this account. 

Each month I have sent copies of these letters to Transunion and XXXX requesting deletion of this account but it is still listed. I would like to have this account removed as it is causing serious harm to my credit file.
Product: Credit card

Hello, 1 ) On XX/XX/2024, I booked a car rental from XXXX  via American Express Travel, web platform. The booking was confirmed for {$340.00}. 

2 ) On XX/XX/2024, I arrived at XXXX at XXXX Airport and was told they would not honor the car rental, as it was booked showing " XXXX '' residency and I do not have XXXX residency- I am a US Resident with a US driver 's license 3 ) We did not make a reservation for a XXXX residency. In reviewing the current Amex Travel platform, the Website does not ask what your residency is. In reviewing the current Amex Travel platform, my profile shows that I am an American resident, with an American address and telephone number 4 ) Upon contacting American Express customer service, I was informed via a Chat that they could not remedy the issue. They informed me the Web Platform identified me as being in XXXX when I made the booking. They confirmed the standard process was to seek reimbursement after the fact. 

5 ) I reiterate that I was not in XXXX. I was at my home in XXXXXXXX Massachusetts. 

6 ) Upon Amex Travel confirming they could not remedy my situation, I cancelled the reservation and booked a new reservation at a cost of {$740.00}. This represents an increased cost of {$400.00}. 

7 ) In the afternoon of XX/XX/2024, I received a call from American Express Compliance. They repeatedly told me that I was not eligible for compensation and that I had agreed to " Terms and conditions ''. I politely asked them to explain which terms & conditions specifically prescribed that I was not entitled to compensation. I asked them to explain if I had made an error while booking or what error caused me to be at fault. 

8 ) After my third time asking for clarification, the representative concluded by saying " We have reviewed the case and you are not entitled to compensation. '' She then hung up on me. 

9 ) Me and my wife called Amex Customer Support, where they reiterated the same talking points. They were not able to explain if the error was because we did not remedy the issue via Amex Travel, or if the error was that we somehow missed something that said " XXXX '' when making the booking. This is despite the fact that an earlier customer service agent admitted fault on behalf of American Express. 

We do not view the response from Amex as acceptable. We are out of pocket {$400.00}. The delay was costly, as I was unable to attend a work meeting. Further, the company has not provided sufficient communication as to why we are in the wrong. 

It is worth noting, that on the Sunday prior to the trip I saw an email from XXXX that was in XXXX. 

I was confused, and called their support number at XXXX. The phone call began at XXXX EST and lasted 6 minutes. 

During the call, I confirmed that the email I received in XXXX would not negatively impact my ability to pick up my reserved car. 

Both companies have failed here and both should improve their controls & processes. 




Travel Confirmation # - XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) I have supplied the needed verification documents needed and a self attestation letter from an XXXX XXXX XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian.

Please delete the following accounts. 

XXXX XXXX bal. {$95000.00} XXXX XXXX bal. {$45000.00}
Product: Checking or savings account

Navy federal and the extra overdraft fees and returned check fees because they made money available that wasnt actually available and then charged fees once the money was spent. 2017 to present
Product: Credit reporting or other personal consumer reports

I paid this account in full. it has still been reported on my credit report.
Product: Debt collection

XXXXXX/XX/XXXX XXXX. XXXX XXXX, XXXX, XX/XX/XXXX XXXX ) let someone fraudulently change the mailing address on my credit card account then run up a bill they never paid. Since the mailing address had been changed, I never received any notices this had happened. The company XXXX XXXX XX/XX/XXXX then sold my account to a debt collector. They now claim no responsibility for what happened, even though it was their bank and personnel which made the changes to my account which resulted in this debt. 

The debt collectors, Midland Credit Management , Inc., XXXX. XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX, is now wanting me to pay the charges associated with purchases I never made.
Product: Mortgage

a foreclosure was halted in XXXX 2016 by me XXXX XXXX in which I filed chp XXXX bankcrupty. 
In XXXX 2016 shortsale letter was issued by seterus the servicer. My loan amount was {$310000.00}. The amount from shortsale letter demand was for {$450000.00}. Their net demand was {$400000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to utilize Experian is a nightmare. I have tried to create an account, logon to their website, and tried to call their company. Every phone option leads you to be hung up on. This is intentional. I tried to reinstate my credit freeze online and it will not allow me to. Then I went and tried to create an account online so I could manage it. It wouldn't work. Then I tried to call the company to get access to my account. It is a vicious circle designed to frustrate consumers without providing any resolutions.
Product: Checking or savings account

I am writing to file a formal complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to the delayed posting of charges and credits I was unfairly charged overdraft fees. 
This issue appears consistent with the findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair
Product: Credit reporting or other personal consumer reports

The unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$15000.00}
Product: Credit card or prepaid card

( 1 ) XX/XX/2020 {$410000.00} Charged, My local store ( 2 ) XX/XX/2020 {$4300.00} Charged, another city, same state, same box store ( 3 ) XX/XX/2020 {$4500.00} Charged, another state, same box store ( 4 ) XX/XX/2020 {$5100.00} XXXXharged, same state as ( 3 ), same box store ( 5 ) XX/XX/2020 {$3000.00} Charged, same state as ( 3 ), ( 4 ) different city, same box store Could not identify any of the above charges. I went by the store and was told i had to take this issue up with the Credit card host. 
After I received the the regular invoice and noticed the scam called and went through 2 levels of agents and was told they had tried to call me about the charges. The agent confirmed my card had been hacked and my phone # had been changed, address changed and my code question changed. My call was the first call to alert them of the discrepancy. The agent even said there had been a phone in payment for {$16000.00} on XX/XX/2020. The payment had been canceled due to lack of funds? I canceled the original card and was sent a new card. I received invoices for both cards for several months and I continued calls and was told this is typical. It was confusing Received papers to identify ( 4 ) and ( 5 ), but those were the only 2 of 5 charges. Multiple calls later and every time having to reexplain and go through the history, listen to promises and vows of intense investigation I received some credits but I'm not satisfied with the explanation and I'm still being billed for the other charges, accumulated interest and some penalties. 
Always another call and a new agent and more confusion. They have sent all of last years invoices and i have reviewed them and still have questions on cash credits and purchase identification on these 5 charges. What did they find out that confirmed partial credits? 
I have been identifying my monthly charges and making those payments less the penalties and interest listed on the invoices.
Product: Debt collection

I received a collections notice from Credit Protection Association regarding a XXXX XXXX debt. Originally, after changing banking information with XXXX XXXX, I received a {$25.00} fee, which I disputed. After speaking with " Billing '' in Customer Service at XXXX, I was told the fee would be taken away if I continued service, in which I did not wish to do. I was then told I would be sent a " Final Bill, '' which included about 2 months of service and the {$25.00} fee for a total of around {$86.00}. I then wrote a letter to Customer Care at XXXX XXXX XXXX in XXXX XXXX, CA and sent a {$43.00} money order for the last month of service I had told them I would pay. On XXXX XXXX, I received a collections notice from the named collection agency regarding an attempt to collect {$42.00} of the remaining debt to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been fraudulent inquiries on my credit report. Accounts that I didn't apply for or request service. XXXX XXXX XXXX times, XXXX XXXX, XXXX XXXX, XXXX 's
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXXXXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX Balance : {$760.00} ; SXXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a business checking account with Regions bank in XXXX, South Carolina on XX/XX/XXXX. I have had nothing but issues since that day. 
-I sent in Articles of Organization 3 times and it never got filled causing my account to be in a pending closure status. I was never informed of this until I went in to withdraw funds and they told me my account was locked due to this. Then I asked when it would be unlocked and access regranted to funds as I am a new business. They said " Bank policy allows us to hold checks deposited and cash for up to 30 business days '' so we can't give you a specific timeframe. 
I proceeded to tell them those were my only access to funds as a business and if I can't pay business bills I can't make money with does undue harm to me personally. They said " not our problem '' '' it's bank policy ''. 
Due to bank employee incompetence I am without business or personal funds for weeks can not run my business, pay bills, or pay personal bills. This issue if not resolved is going to cause me to lose everything.
Product: Debt collection

XX/XX/2020 {$570.00} This account is an result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This account is being reported on my credit profile years past the legal statute. 
The date of last activity shown is XX/XX/XXXX. 
The last reported update of this account is XX/XX/XXXX. Both of these dates should have signaled to the Creditor as well as the Credit Bureaus that this item be removed according to the FCRA as well as the FDCPA.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I have had an account with venmo for several months. I've started receiving direct deposits I haven't been able to send money for 3 days and yesterday I was locked out of my account and I called customer service and they reset my password and then my account was suspended and I just send in a picture of my driver 's license and they're telling me that it could take 10 days to 180 days I'm not getting any answers from customer service when I reach out to them every agent I talk to I get a different answer. I explained to them that I have a daughter with XXXX XXXX XXXX and I have to be able to have gas in my car and food in my house as she is insulin dependent and she can go into organ failure and be permanently damaged or die and they don't care. Also a couple weeks ago I filed a dispute for unauthorized access to my account and I reported it and they refunded some of the transactions but most of them they denied. I initiated at {$700.00} transfer to my bank account and now they've froze my account.
Product: Credit reporting

I disputed my account showing late pays - the account has been paid off and the late days that were reported were suppose to be removed due to an agreement I made with XXXX in exchange for paying the account off. I also do not agree with the 4 late pays that are shown on all XXXX of my reports. I have asked for documentation and that has not been provided. the account is paid and closed- I would like the late fees removed as agreed per telephone conversation-XXXX- ACCT #
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED NUMEROUS DISPUTES WITH THE AGENCY CONCERNING THE VALIDITY OF DEBTS PER : Title IV of the Consumer Credit Protection Act. Section 401.