23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I initially applied for a mortgage loan with American Financial Network. 
I gave a Sr Loan Officer there by the name of XXXX XXXX ( XXXX # XXXX ) my information. 

She ( XXXX ) initially replied back with Pre Approval with different options ( including Down Payment Assistance options as well as Conventional Mortgage. ) I replied with there are some items on my credit report pulled that are incorrect. 
She instructed me to send in proof documents detailing incorrect information/accounts. 
I sent all documents back in & notified her through Email & text message. 

This was over a week ago & I repeatedly tried calling, texting & Email but no response. 
I attempted another call this morning & my call was blocked this morning. 

This lack of communication from loan officer/ mortgage lender I feel is completely unacceptable business practices. 

I'm sending this complaint via online. 
However, I do have proof of my numerous communication attempts to furnish if needed. 

Thank you for your time
Product: Debt collection

capital one auto is currently reporting a deficiency balance of {$8500.00} on my credit report as a result of a repossession on XX/XX/XXXX. i never received a letter in the mail regarding where the car would be auctioned, which is a violation of F.S 537.012. per florida statue 537.012 ( 3 ) Upon taking possession of titled personal property, the lender may dispose of the titled personal property by sale but may do so only through a motor vehicle dealer licensed under s. 320.27. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. i never received this notice. i have been disputing this account for a couple of years now. i recently contacted capital one auto XX/XX/XXXX @ XXXX am and i spoke with a representative by the name of XXXX XXXX ; she reassured me that capital one had sent several notices out and that she'd be mailing them out to me via usps. today is XX/XX/XXXX and i have yet to receive any proof from capital one that the proper notices were sent to me in a timely fashion permitted by florida law where the car was repossessed. in addition there is also a discrepancy with the actual accounting for the remaining balance ; i asked ms. XXXX who the gap insurance provider was and upon looking in the system she wasn't able to give me a straight forward answer. if you can not verify who the gap insurance was provided by how can you calculate a final refund into the final accounting?
Product: Debt collection

I told them I didn't know why these chargers and they kept contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled the XXXX  with account number XXXX XXXX XXXX XXXX. This account has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted via certified mail XXXX, Experian, and XXXX 5 different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.
Product: Money transfer, virtual currency, or money service

XXXX XXXX Credit Karma advanced refund lie. 

Used XXXX to do my taxes for 2021. They claim credit Karma can give an advance of up to {$1000.00} for your tax refund after a few hours of your refund being accepted by the irs. They have this advance plastered everywhere but once you sign up it disappears and there is no help in regards to credit karma and the advance. Credit karma simply mislead me into believing that I code get a refund advance and have it within 24 hrs if not a few hours.

No customer service no response or reply from credit karma. I found a comment section that had hundreds of complaints about this same situation happening to others. Having someone sign up to use your app just to not have the one thing the user wanted available is totally misleading. I would have never opened up an account with credit karma if I knew they were like this. Now I have to wait until my refund arrives and hopefully they wont freeze my account ( horror stories Ive read online ) so I can transfer my funds out of there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently gotten off the phone with you all about the account on my profile .Explained numerous times that this is being fraudulently reported on my consumer report and must be legally removed based on the FCRA rights and under the 15 US Code 1681bXXXX Permissible Purposes of consumer reports. You have violated 15 USC 1681B ( XXXX ) ( A ) ( i ) ( XXXX ) ( XXXX ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give my written consent for you to present this out to the public being my consumer report please remove this account from my report.
Product: Credit card or prepaid card

I have fallen behind on my payment on my American Express credit card due to a financial hardship. My husband is with the uniformed services and we relocated from XXXX XXXX to XXXX  under personnel orders in XX/XX/2019. On XX/XX/2019, we sustained a fire at the home we were renting in XXXX. This fire was caused by a faulty recessed light. We were displaced in hotels with our family and two dogs for weeks. The house was deemed not habitable and so we had to find another house to move to. We eventually secured another rental home to live and had to move all of our household items. This all caused an extreme financial hardship. 

Also, in XX/XX/2019, I found out about SCRA benefits that were available to us. I applied for the benefits from AmEx and they credited my account by XXXX in interest and fees and now the account would be on a zero-percent interest rate. 

I contacted AmEx to let them know about this new hardship of relocating across country and also sustaining the house fire. I requested that my $ XXXX/month payment be reduced, especially since the account was credited a large amount of money in XX/XX/XXXX. The CSR told me that my payment would actually go up to $ XXXX/month and could not be reduced.

I continued to try to catch up, even while going through this hardship. I made a payment of {$200.00} on XX/XX/XXXX. Another CSR told me if I could make at {$300.00} payment in XX/XX/XXXX, that I would only be one payment behind. I made a payment of {$300.00} on XX/XX/XXXX. AmEx sent my account to XXXX XXXX on XX/XX/XXXX. 

This is account is now under collections. 

Also, the collections agency is also contacting my husband and he is not on this account. I submitted a previous complaint with AmEx about my privacy issues and discussing my account with someone who is not on the account. They are still doing so through the collections agency. American Express did not keep my personal information secure and confidential. Instead, they used it as a collections tactic and shared it with an unauthorized person. 

I've attached my husband 's personnel orders, the fire incident report and the fire claim information with XXXX. 

I believe that AmEx is not trying to work with me due to the account now qualifying for SCRA benefits.
Product: Money transfer, virtual currency, or money service

iam filling a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practice which violates the consumer financial protection act ( CFPA ) specifically cash app failed to take time and effective measures to protect and address fraud on their platform leaving my account vulnerable and unprotected futher more their despite resolution proess was unfair and deceptive as they did not comply with error resolution requirements under the electonic fund transer act and regulation E these actions have caused significant inconvenience and financial loss i seek appropriate redness for these violations!!
Product: Debt collection

I called this company. Got a creditg alert, I never receved anything from this company. just put this on my credit report. They couldnt find me, then they tried to say I owed XXXX I told them I dont owe any XXXX XXXX they started reading off address that I dont know of, then they tried to tell me to pay the bill or I would go jail. i asked for a supervisor they told me no.. I hung up called back, got same rude threatening guy I demanded to speak to a supervisor. another man came phone told me to pay the bill. stated to shout at me. TOld him I didnt owe the bill. told me well you owe it. I hung up
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The List of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account name : # XXXX Account name : # XXXX Account name : # 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 an 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.

U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BOTH ACCOUNTS NOT ACCURATE. XXXX. XXXX XXXX ALL LATE PAYMENTS ARE INACCURATE!!! XXXX. ALL HARD INQUIRIES NOT REPRESENTING POSITIVE ACCOUNT REMOVED IMMEDIATELY!!!!!! Removal of all charge offs/collections accounts all inquiries not related to positive accounts and all late payments and all negative reporting closed accounts. Also, anything negative from my credit report IMMEDIATELY!!!!!!!!! Anything reporting as active and not showing in a positive status shall be removed immediately. My next step is to file a Class Action Civil Lawsuit against CFPB and ALL ENTITY 'S involved shall be dealt with accordingly by all Statues of the Law and also all three bureaus if not removed Immediately!!!!!! 

XXXX XXXX : ACCOUNT XXXX XXXX REPORTING WRONG INFORMATION LAST UPDATE XX/XX/year> : ACCOUNT XXXX XXXX XXXX XXXX XXXX : ACCOUNT XXXX LATE PAYMENTS REMOVED IMMEDIATELY!!! ( XXXX ) XXXX XXXX ACCOUNT : XXXX LATE PAYMENTS REMOVED IMMEDIATELY!!!!!!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX XXXXOTH ACCOUNTS PAID IN FULL STILL REPORTING AS ACTIVE NOT PAID IN FULL AND CLOSED!!!!!!!!! 

XXXX DROPPED MY SCORE BY XXXX PIONTS AFTER PAYING OFF LOANS IN FULL FOR {$3500.00} DOLLARS!!!!!!!!!!. 

EQUIFAX DROPPED MY SCORE XXXX POINTS FOR PAYING OFF LOANS IN FULL XXXX XXXX!!!. 

IS XXXX NEXT?
Product: Credit reporting or other personal consumer reports

XXXX XXXX - Inquiry date : XX/XX/XXXX - Date opened : XXXX XXXX, XXXX - Credit limit : {$3000.00} - Balance : {$4500.00}. 
I have already disputed this with XXXX, XXXX, and XXXX. But, I had to file a complaint with XXXX XXXX and have not heard back from them. That would not have been an issue but I had an alert that Radius Global Solutions ( collection ) was now on my credit report. I called to see where this came from and it was XXXX XXXX XXXX account that was opened under one of the addresses that I have disputed and with the numbers that I have disputed. 

Radius Global Solution ( collection ) - XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX. Date opened : XX/XX/XXXX - Balance : {$710.00}. 
It showed up on my Credit Report through an alert. I had already frozen all three of my credit reports due to fraud under my name in a XXXX XXXX Account & incorrect information on my credit report. The person used a Michigan address, which I told them that I neither have lived in Michigan, I do not have XXXX XXXX XXXX, and I did not recognize any of the five numbers that were opened under the account. 

Hard Inquiries of Credit - I have reported to XXXX, XXXX, XXXX that someone has used my ID XX/XX/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 XXXXXXXX : wrong name and address on my credit report. Already reported them but they are still on my account XXXX XXXX - XXXX XXXX XXXX, XXXX, MI XXXX XXXX : wrong address on my credit report. Already tried to dispute these but they still show up. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX : wrong address on my credit report. I have already tried to dispute this. 
XXXX XXXXXXXX XXXX XXXX SC XXXX
Product: Credit card

I have been engaged in a dispute with Barclays for over a year concerning incorrect charges related to payments made through XXXX. Specifically, I mistakenly transferred funds to an incorrect recipient using XXXX different Barclays cardsa business card and a personal card. XXXX transaction was for {$870.00} ( acct XXXX ) and the other for XXXX ( acct XXXX ). 
In XX/XX/XXXX, Barclays refunded {$1000.00} for XXXX of these transactions but has declined to do so for the second charge of {$870.00}. This discrepancy appears unjustified. 

I disputed both charges this and received information from Barclays that the issue was settled in XXXX favor. So, XXXX my surprise when Barclays decided in my favor over a year and a half. I split up the payments I made to XXXX that day, XXXX amount went onto my business Barclays card and the other went on my personal account. 
At the time of this mistake, I had XXXX Barclays cards. On the same day I accidently sent {$1000.00} to XXXX, I sent the same person, on my other Barclays card, {$870.00}. I wanted to break-up the charges owed to my XXXX tour guide, XXXX XXXX XXXX XXXX XXXX is a VERY common name in XXXX. 

I was in a hurry on that day, being pressured to get the money to my tour guide, using both of my Barclays cards, I accidently sent XXXX payments to the wrong person. The same wrong person, nonetheless, the wrong person, XXXX. I immediately contacted XXXX to inform them of the error and their advice to me was that I needed to simply dispute the mistake to my Bank. XXXX was not willing to look at my account and my history to verify my claim that I had sent the money to the wrong XXXX XXXX. I had previously sent the correct contact several payments. XXXX advised me to dispute the charges with my credit card company. Which I did immediately, XX/XX/XXXX. 

So out of the blue, a couple of months ago, I get a letter from Barclays telling me they are refunding XXXX of the charges, but not the other. Then trying to defend their argument with illogical statements that defy the check they just sent me. Specifically, that I was out of the allotted time frame. Barclays refunded me the larger amount of {$1000.00}! Now they only send me a form letter telling me that they will not refund the {$870.00} dollars. It makes no sense.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent Transunion a NOTICE regarding accounts that were reporting to my consumer report. As of XX/XX/2024, I have not received a response. This is the Noticed I sent Transunion : Re : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX TRANSUNION is the Consumer Reporting Agency, and I am the Consumer.

15 USC 1681 602a ( 4 ) of the FAIR CREDIT REPORTING ACT, " There is a need to ensure that Consumer Reporting Agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 6801 ( a ), " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681b a ( 2 ), " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' 15 USC 1681C ( a ) ( 5 ), " Except as authorized under subsection ( b ), 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. '' I have been granted the right to ensure my private information isn't shared and I was never informed of my right to exercise my nondisclosure option. The above re : accounts are adverse items and are reporting without my permission and TRANSUNION is not maintaining reasonable procedures. I require Deletion of re : accounts.

Also, 12 CFR 1016.7, A consumer may exercise the right to opt out at any time. This is NOTICE that I am opting out of your reporting services of the above mentioned re : accounts. The financial institution and the Consumer Reporting Agency TRANSUNION do not have my consent to furnish this information and they certainly do not have my written consent. To be clear, any and all consent to TRANSUNION, whether it be verbal, non-verbal, written, implied or otherwise is REVOKED on the ABOVE MENTIONED RE : ACCOUNTS.

Exercising my protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Missing Payments That Are Supposed To Show Up On My Credit Report, This Information Is Vital And Should Be Reported. No Information Should Be Missing From My Credit Report. Meaning I Believe That All Months That This Credit Card Is Used Should Be Reported On All Bureaus. Please Fix This Immediately. IAM Currently Having This Issue With XXXX And XXXX. But I Am Asking Please Fix This Immediately ... Information And Account Activity For The Month Of XXXX Has Not Been Reported. And I Am Extremely Disappointed In This Absolutely.
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 general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My wife and I submitted an application for a mortgage refinancing on XX/XX/2021, with Amegy Bank of Texas. They initiated the process and said due to the high volume of applications closing might happen up to early XXXX. 
As part of the process I provided all the requested documentation and the bank performed a hard pull of our credit reports. The appraisal of our home, paid for us, and performed by an appraiser vetted and selected by Amegy was delayed and not finally released until XX/XX/2021. The bank then requested a second hard-pull of our credit reports, because the ones performed during the application " expired ''. 
I communicated to the banks loan officer and explained that I have provided all information in due time and the delays have been due to the banks processing times and its selected supplier in the case of the appraisal.

Amegys answer was that this was a " fair lending '' practice and it was an underwriters requirement. In response I proposed Amegy to perform a soft-pull of the credit reports to verify nothing has changed, since my wife and I can already see the effect of the initial hard-pull in our credit ratings. Furthermore, the delay has been due to the bank 's issues with their processing times and management of suppliers. 
At this time, Amegys program manager contacted me and said that the loan can not proceed without a second hard-pull of the credit reports, which was in accordance to the regulation. However, upon further discussion, the regulation said 120 days and it was Amegys own requirements. However, the manager said that was the last thing missing to approve the loan. After my wife and I accepted and had a second credit hard pull two weeks ago, they keep asking for more documentation that doesnt make sense and just keep delaying the process. As an example, they requested a payoff quote issued by my current bank and after that was provided, then they request the latest loan statement ( dated before the payoff quote, and despite they having the prior three statements ).

I have asked to provide the status and a definite closing date, but Amegy does not respond to calls or emails, so I am contacting the bureau to investigate the issue. At best it could be Amegy 's inefficiency being passed ot its customers, but it could also be a case of discrimination for us being XXXX or because the property location.