23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to formally file a complaint regarding a mortgage company that I believe has engaged in deceptive practices in processing my loan application and refinancing. In XXXX [ XXXX years ago ], I submitted an application to pull equity from multiple properties I owned outright, with the intent of taking advantage of historically low interest rates. However, my experience with this company has left me feeling misled and financially burdened due to their actions. Here is a summary of the situation : Delay in Processing Application : Despite submitting all necessary documentation in a timely manner, the company delayed processing my application until interest rates XXXX. This appears to have been a deliberate tactic, as they did not provide any valid reason for holding onto my application for an extended period, which ultimately resulted in me receiving a higher interest rate than originally anticipated. Misrepresentation of Loan Terms : When the company finally processed my application, they presented loan terms that were significantly different from what was originally discussed. I had expected a lower interest rate based on the market conditions at the time of my application in XXXX, but the terms I was offered were substantially higher, increasing my mortgage payment beyond what I had planned for. Errors in Credit Reporting : In addition to the interest rate increase, the company reran my credit without proper notice and included inaccurate information that negatively impacted my credit score. This had a detrimental effect on my ability to secure more favorable loan terms. Lack of Transparency and Hidden Fees : It became clear during the loan closing process that the company had not fully disclosed all of the fees and charges associated with the loan. This led to a higher mortgage balance than I had originally agreed upon. Their lack of transparency has made me feel that I was scammed into a more expensive mortgage than necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items 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 XXXXXX/XX/XXXX.
Product: Debt collection

Debt was paid in full - continuing to report on Credit Report under collection agency with an open date of XX/XX/2014 -- I did n't even live in the state of NY in XX/XX/2014 nowhere near this doctor. Reporting for {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information including my name, date of birth, Social security number and possibly my drivers license number has been compromised by a cyber attack on Equifax.
Product: Debt collection

The collection agencies of XXXX XXXX XXXX XXXX XXXX an affiliate of Kirschenbaum Phillips & Roach, PC,, are garnishing my paycheck for a second time for interest, they alleged, that was never factored into the original garnishment to satisfy a XXXX credit card. I provided proof from my work payroll department that all of the debt had been paid in full from the original garnishment collected from XXXX thru XXXX. They insisted that an interest of $ XXXX still due. In XXXX I received another notice that interest accumulating from XXXX/XXXX/15 would be applied to the account. I want this to desist and Kirschenbaum XXXX., to stop hounding me for interest due upon the interest, etc.
Product: Mortgage

The mortgage servicer, PennyMac, has added a flood insurance policy to my account. I have provided documentation from FEMA declaring the property is NOT in a flood zone. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX specifically states under the Legal Property Description section that the determination removed the property from XXXX XXXX XXXX  ( flood insurance required ) XXXX XXXX XXXX  ( flood insurance not required ) and supersedes " all previous determinations, '' and in doing so retroactively corrects the prior flood zone determination of XX/XX/XXXX. I have submitted this documentation three times through their required channels. It is impossible to speak with someone knowledgeable, and I received only one call back where I was told this is an old letter from XXXX of XXXX and is not current or acceptable. It is clearly dated on top as of XX/XX/XXXX. 

The insurance policy must immediately be removed from my account and funds refunded to escrow..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and around XX/XX/2019 my GM Financial auto loan was reporting the wrong amount owed to XXXX  as well XXXX  therefore an inquiry was initiated to have it corrected. The following month my auto loan account was completely erased. 
Instead both XXXX  and XXXX has deleted my account completely affecting my credit score and report. I have contacted GM Financial in regards to assisting both bureaus on reporting the right info to no avail it haven't been fixed. A representative from GM Financial told me that my account should be reporting to all 3 major XXXX, XXXX  and XXXX  correctly after XX/XX/2019. I know that XXXX  and XXXX  has had my credit accounts mixed in the past and has had a " mixed profile '' after my Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I WAS DENIED FOR CREDIT CARD I READ THE DECISION WAS BASED ON AND BY ALL THREE MAJOR CREDIT BUREAUS AND ANOTHER CREDIT BUREAU NAME XXXX XXXX XXXX XXXX ( WHAT IS THIS XXXX XXXX XXXX XXXX. I THINK THAT COULD BE THE COMPANY THAT HAS ALL MY CREDIT IN RED THAT WAS PART OF THE BANKRUPTCY THAT IS DEROGATORY COMMENTS OF BEING 14 LATE PAYMENTS ON CREDIT CARDS THAT ARE NO LONGER MY RESPONSIBILITY SINCE MY DISCHARGE IS IN 3YRS COUNTING DOWN FROM THE BANKRUPTCY CHAPTER XXXX. CAN SOMEONE LOOK INTO THIS SINCE I AM PLACING MY ADDITIONAL COMPLAINT CURRENTLY XXXX  XXXX DENIED ME BASE OF XXXX, TRANSUNION, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
BASED ON DELINQUENCY AND DEROGATORY PUCLIC RECORD OR COLLECTION FILED BALANCE CREDIT LIMIT TOO HIGH LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED NUMBER OF INQUIRIES BY XXXX, HOW CAN THIS BE I ONLY HAVE BANKRUPTCY, NOTHING LATE AND SHOULD NOT HAVE ANY NEGATIVE MARKINGS, NOR COMMENTS. 

THAN THE FRONT OF THE LETTER BY XXXX  XXXX IN ADDITION TO THE ABOVE REASONS ALSO STATES : bASED ON YOUR CREDIT REPORT FROM ONE OR MORE OF THE AGENCIES ON THE BACK OF THIS LETTER, CREDIT BUREAU INFORMATION IS UNAVAILABLE BECAUSE THE APPLICANT WAS DETERMINED TO BE A MINOR?? BY THE CREDIT BUREAUS?? I NEED CFPB TO LOOK INTO THIS WHAT IS GOING ON I CAN NOT BELIEVE HOW MUCH TIME AND YEARS I KEEP HAVING NEGATIVE COMMENTS AND ALL THE CREDIT BUREAUS CONTINUE TO NEVER BE ON THE SAM UPDATES OF PAGE. ALSO XXXX OR XXXX HAVE MY NAME AS XXXX XXXX XXXX WHEN I LOOK ON LINE VIA THE XXXX XXXX., MY NAME IS XXXX XXXX THAT IS IT! XXXX I SENT IN SO MUCH AND CALLED AND SPOKE TO MANY TO PLEASE CORRECT MY NAME ON EACH CREDIT BUREAU EVEN THE XXXX XXXX WHICH I NEED TO KNOW MORE ABOUT THIS AND WHY THIS APPEARS ON AND OFF MY CREDIT REPORTS. THIS IS WRONG.. THAT IS WHY I HAVE SO MANY INQUIRIES THIS IS WHY I KEEP APPLYING AND WONDERING THE DENIALS ARE SOME WHAT THE SAME REASONS, BUT THAN I GET ANOTHER DIFFERENT REASON? THAN I HAVE TO ASK WHY.. PLEASE I AM FIGHTING TO KEEP MY CREDIT CLEAN, THIS IS NOT RIGHT!
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX {$32.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$84.00} Status Collection account. {$84.00} past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collecting company violated my rights. I provided all the proof how they violated my federal rights.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer XXXX XXXX XXXX  Consumer XXXX : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX ; DEPT OF ED/XXXX  ; Under the Account Number : XXXX ; Opened On : XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Credit card or prepaid card

I got two letters in the mail from PayPal Credit indicating I have a balance that needs to be paid. When I call the number listed to find out more information it asks for my social security number without giving me the option to talk to a representative. I go to the website ( paypal.com ) and there's no indication of any payments that need to be made. I tried to close my account and it says I cant unless I transfer the sum of money to my debit card. I believe this is a scam.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX ITEMS IN DISPUTE : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collection/Charge 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$XXXX} Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Address XXXX es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX Address XXXX es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX Employers : XXXX XXXX Employers : XXXXXXXX XXXX
Product: Credit card or prepaid card

On Saturday XXXX XXXX I went to XXXX XXXX store on XXXX in XXXX New Mexico and I purchased a net spend card that I added {$100.00} dollars to and paid a card fee of {$2.00}. The card purchase was successful. I purchased the card because someone stole my debit card number and the bank is in the process of re issuing me a new one. I sat in the parking lot of the grocery store and tried to activate it online I kept getting error messages. I decided to sit there and call in to activate the card when I called they had me verify all my personal information and my address after I gave them all the information the customer service representative told me that they needed more information and I couldnt use the card or have access to the money that I put on the card until I sent my social security card ( of which someone stole ) my drivers license and a bill or something in my name and I would have to email it to them and until I did I wouldnt be able to use it. Im so angry because thats all the money I had and now I dont have access any or access to it. I have a problem with federal agents in New Mexico harassing all my bank accounts and prepaid debit cards. Im not saying that they interfered with this but it is highly likely my address is on my drivers license my car insurance is the same address so is my registration and bank accounts. How would my information not verify? Its impossible so now because someone stole my social security card I have to apply for a new one with limited availability at the social security office apply wait for the card to send to net spend so they can verify who knows what so I can spend my social security money that I put on the card. That is unacceptable and I wanted money back. I literally stayed on the phone for 7 minutes for netspend to try to govern the money I just put on the card conspiring with federal agents to give me a hard time in everyday life situations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX all have reported bankruptcy on my credit report without getting this information directly from the bankruptcy court themselves. They have required this information from a third party company and placed it on my credit report. according to the FCRA, this is not valid! I have been sending letters to all of the 3 credit bureaus on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 I even sent the 3 credit bureaus a letter from the Bankruptcy court stating they do not supply the credit bureaus with this information and neither credit bureau will remove it from my report. They claim to do an investigation but if the bankruptcy court is not relinquishing that information to you, how can you legally and sufficiently record this info. from a third party entity or for that matter, do a thorough investigation in any case?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX opened XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX All of these accounts were opened fraudulently after I put freezes on all 3 Credit bureaus. I also have a Stolen Identity Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent four written request ( XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) certified to this credit bureau to VALIDATE a debt ( XXXX ..., XXXX ..., XXXX ..., XXXX ) that has been placed on my credit file. This credit bureau has FAILED to validate this request by providing an original consumer contract with my signature on it. According to the FCRA, accounts that are not positively validated by proof must be removed and deleted. This credit bureau has failed to do this more than four times. It has " said '' that they have verified this debt but has only sent an alleged account history. This is not sufficient and does and is a violation by federal law and I fully intend to pursue litigation in accordance with the FCRA to enforce my rights. The accounts need to be validated by original contract or DELETED.
Product: Credit card or prepaid card

I never received the merchandise from Best Buy and I contacted customer support numerous times where I was promised a replacement, followed by a refund, and then they flat out completely denied my refund after weeks of correspondence. I contacted the credit card company and disputed the charge of {$880.00}. I received a letter from Best Buy Credit Services on XX/XX/2022 showing I am responsible for the disputed charges. They showed a picture of the package at my front door as well as their return policy. This package was supposed to require a signature. The employee carelessly left it outside and did not ensure that the package was securely handed to me. 

I was supposed to receive my package on XX/XX/2022 which contained two XXXX XXXX XXXX. When it was getting late, I contacted a Best Buy representative on the same day letting them know I was waiting for the delivery of the package and it was getting late. The next day which is XX/XX/2022, I contacted customer service again because I saw that the status changed from " Your package is on its way '' to " delivered ''. I spoke to XXXX XXXX, at XXXX XXXX. I was told they would ship out replacements when I explained that I don't see or have the package. I was told I could do store pick up on same day. I needed the items for a birthday party so I contacted two other representatives ( XXXX XXXX and XXXX XXXX XXXX on XX/XX/2022. I asked if I could have the order canceled since it was taking longer than I was told. I was told to wait. I was given a reference case ID # XXXX. 

Another day passes, and I spoke to another representative XXXX XXXX XXXX ) on XX/XX/2022 because I wasn't receiving any updates on the replacements that were supposed to be coming. I was told to wait. More days pass. It's XX/XX/2022, I contact another representative ( XXXX XXXX ) now I am told there is a verification hold that will take 10 days to process a replacement or a refund. So I asked for the replacement to be canceled and a refund to be initiated. I was told my refund of {$880.00} was successfully initiated. I would receive an email within 3-5 days. Now, it's XX/XX/2022 and I still never received a refund. I contact a customer service rep ( XXXX XXXX ). I was told the refund on XX/XX/2022 was not processed. The representative told me they would process the {$880.00} with the internal team. 

The next day, I contact another rep ( XXXX XXXX ) just to make sure the refund is processed. The last representative did not process the refund but XXXX told me it will be processed and it will take 15 business day and I should receive my refund by XX/XX/2022. Now, it's XX/XX/2022, still no refund. I contact customer support rep ( XXXX XXXX ) and I am completely denied a refund. I was told the investigation concluded that the package was delivered and I will not be getting a refund. I filed a dispute with my credit card and lost the dispute. I have no recourse and Best Buy has not been helpful. I never received the merchandise but they do not want to refund me my money. I don't know what to do at this point but I am looking for assistance in this matter.
Product: Debt collection

I tried to call didnt open no account with them maybe could of been somebody who used my info
Product: Payday loan, title loan, or personal loan

My bank offers Overdraft Protection which is essentially a Reserve line of credit that covers any overdrafts on my checking account. It also offers online banking where I can schedule payment of bills or transfer funds between my accounts ( ex. move funds to checking from savings ). When  transferring funds between accounts, balances are adjusted real-time. When scheduling payments, balances are not adjusted real-time. When you schedule a payment, you may have sufficient funds in your account to cover the payment but when the pay date arrives you may not if in the interim additional debits reduce the checking account balance. 

This is what happened to me. On or about XX/XX/XXXX I schedule payments to my life insurance company. I had sufficient funds at the time. Before the pay date arrived various debits hit my account reducing the balance. When the pay date on the scheduled payments arrived the bank paid creating overdrafts which they then covered by the Overdraft Protection for which they collected various fees. 

I contend that by not reducing balances for scheduled payments, the way they do for transfers between accounts, the bank is acting in bad faith in creating conditions for consumers to be uninformed of insufficient funds conditions arising in their accounts.
Product: Debt collection

XXXX XXXX XXXX is calling me, daily, anywhere from 15-20 time a day. As early at XXXX XXXX and as late as XXXX XXXX
Product: Debt collection

I'm filling this complaint against the following companies XXXX XXXX and Choice Recovery. It all started when I apply for a loan I discovered this fault information reported by this XXXX companies on my credit file. I contacted the company in writing asking for debt validation they ignored my request. I hired a law firm to work on my behalf they also ignored my lawyer request those companies thinks they're above the law. XXXX XXXX and Choice recovery has a history of fraud. I was in a car accident in 2018 my insurance company paid XXXX XXXX  in full for both of my XXXX  XXXX. My lawyer has all the evidence I don't own either of this companies a XXXX. These fraudster 's has damage my credit I plan on seeking legal actions against both of them. I attached all the letters from me and my XXXX that was sent out to the companies and the credit bureaus. 

XXXX ACCOUNT NUMBER XXXX XXXX  XXXX ACCOUNT NUMBER for Choice Recovery
Product: Credit card or prepaid card

I bought a laptop, and applied for a new credit card with Citibank. I received one statement, and just before paying it ; my daughter indicated that it did n't work. Several of the keys did n't work. I took it back, and had a difficult time returning it. I had to wait for 30 mins while they tried to adjust the settings. It was beyond the return period, and I did n't have the packaging, so the store refused to return it. 
They directed my complaint to the manufacturer, and I refused to hassle with that. 
I left the laptop there. IN the meantime, I did n't receive another statement, or anything else in the mail from either XXXX, or the credit card company, ( Citibank ). 
I received a call from Citibank about 2 weeks ago, and when I got home, I called to dispute the charge. I looked for any add'l documentation, and have only received the initial statement. I have it on file, and see that it reflects a TOTAL balance due of {XXXX}. I just confirmed with CitiBank that they have n't sent any add'l statements and they the balance they are trying to collect is {XXXX}. I have closed the account, and had filed a dispute that I owed anything to them. I initially filed the dispute, over a phone call on XXXX XXXX. I received a collection call today, XX/XX/2017