23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$1100.00} Balance updated XX/XX/XXXX XXXX Balance {$97000.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$1500.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$5500.00} Balance updated XX/XX/XXXX DPT ED/XXXX Balance {$3800.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$7000.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$5100.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$5900.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$4000.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$830.00} Balance updated XX/XX/XXXX DPT ED/XXXX Balance {$140.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$1000.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$6000.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$4000.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$7400.00} Balance updated XX/XX/XXXX DPT EDXXXX Balance {$5100.00} Balance updated XX/XX/XXXX DPT ED/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX XXXX
Product: Mortgage

I want to sue Rocket Mortgage. Because of their incompetence and dishonesty handling my home buying process im now losing my current home Ive owned for 11 years and not able to secure the loan they assured me several times would close at the same time. Both houses werr under contract. When rocket mortgage said they could no longer fund the loan the accepted offer in the house ubwas buying was cancelled but my hkme was still under contract to close and now Im not buying a house in time for the closing date that was supposed to be simultaneously done. I worked with them sunce day 1 of the process including listjng my current home that im about to lose. I think of as being robbed of my home. I did everything they said and was assured kultiple thay everything was as it should be and to co tinue through the process. The person handling was incompetent and obviously not responsible enough to handle this job. I was giving preapproval letters. Their excuse, lack of accountibility, or taking any responsibilty for their actions is that since it has been longer than 30 days since i left my last employer they coupdnt fund the loan. My last daycwith the employer is XX/XX/XXXX and the last updayed preapproval letter was given to me XX/XX/XXXX. They gave me reassurance and a preapproval letter even after the 30 days. They never disclosed any information about their 30 day rule nor disclose to me they were using my previous employeers in to qualify me for the loan. I had already gotten another job Iwas supposed to start this month. They told me thay all they needed was the job offer acceptance letter from what would be my new employer. Not only have they just cost me my home, they cost me a job too. I want to sue them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reporting companies have unlawfully removed one of my furnished revolving credit accounts or have not furnished the revolving credit account on my report more than 30 days after having confirmed receiving the account information from the creditor XXXX Account # XXXX. This account has been removed from XXXX and Transunion and XXXX have not added this revolving account to my report as required by law. They have also violated my rights by doing this under 15. U.S.C 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Checking or savings account

On XX/XX/XXXX I was checking my account activity when I discovered that there was an unauthorized transaction on my account for the amount of {$400.00}. I immediately called Bank of America at XXXX to explain to them that fraud has been committed on my account. I was placed on hold for 17m45s and finally spoke with someone who was able to identify the unauthorized transaction and shared with me that the person made the transaction with an old check routing and account number. The person whose name is attached to the transaction is my ex husband, XXXX XXXX, who I divorced on XX/XX/XXXX. It is for his XXXX XXXX Credit Card in which I do not have an XXXX XXXX Card on my credit profile. The bank teller explained to me that she will transfer me to the appropriate section but while on hold she hung up the phone. I attempted to find an email instead of continuing with a phone dispute but there is not one on their website. 

As a long time customer of Bank of America, they have a responsibility to protect me and my accounts. I am in fear because this man has been XXXX XXXX, hacked my XXXX account, and is now committing fraud with my bank account. Bank of America needs to remedy and fix this and make sure it never happens again.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft, request removal and deletion of the listed accounts on my Transunion and Experian credit report. The fraudulent accounts are as follows : 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
Product: Vehicle loan or lease

Previously have filed 2 complaints as Ally financial first held the payoff and now has no idea with what they did with the title for the vehicle that has been paid off. Complaint filed on XX/XX/20. Ally has done nothing but now calls and tortures us since we filed a complaint. We are getting called after hours XXXX XXXX  by XXXX  who does not have a last name just to inform us that he has no information and that the person looking at our file is out of the office. He was just calling so that he can document that he called. When asked again why he is then calling us he yelled, talked over us and we were advised that a supervisor was not available as it is after hours we had to continue to ask for the information and XXXX  hung up on us. We called back and again asked for a supervisor 's info we were told it is XXXX and then he tried to give us a general automated #. 

XXXX 's direct phone # is XXXX He doesn't actually have the ability to look at or resolve anything though he also said he reviewed the information so I am not sure which is true. If you ask anything he laughs at you and is condescending. He will also hang up on you. 

His supervisor XXXX is XXXX. Not available but we can leave a message.
Product: Credit card or prepaid card

I signed a lease and paid a security deposit on a property in XXXX, NC on XX/XX/18 with XXXX XXXX. We were unable to take posession of the property due to a dangerous domestic situation and the flooding of hurricane Florence left us physically unable to reach XXXX as all roads were closed between XXXX and XXXX. I communicated this to him and his business partner. I had no choice but to return to our home in Texas for our safety and communicated this. I offered to send a certified letter to break the contract and was provided a non-existent address. When I asked who owned the property, all communication ceased. Upon further investigation, I discovered through the county tax records that XXXX does not and has never owned this property. He presented himself as the owner and, in addition, per county tax records and real estate listings, this home is not a 3 bedroom as advertised, it is a 2 bedroom. I was told by the person he presented as his property manager, a XXXX XXXX, that she would attempt to get me a partial refund for the deposit I had paid. That never occurred. In XXXX, after 2 months of no communication, their company attempted to fraudulently charge my credit card for {$1000.00}. At this point, I felt that the entire situation was fraud and I attempted to dispute the original charges. I presented my evidence showing all of the above to Capital One and sadly, they told me this is a civil matter because I did not have a receipt of cancellation. I was not able to receive a receipt as the people named would not provide me with the correct contact information to send a letter to cancel the contract. I stongly disagree as I was presented with something that 1. Did not belong to these people 2. I was not allowed to cancel and receive a recepit of cancellation because they would not provide me with the correct address and name of owner and 3. The home advertised is not as presented ( 2 bedroom not a 3 bedroom ). I would like my money refunded. 
I spoke with the XXXX Police Department on XX/XX/2018 and they told me that this is a matter of fraud. They advised me to also report this information to the FBI fraud website as they have a broader jurisdiction. I can not believe that Capital One is treating me as a liar when I have been a victim of fraud.
Product: Mortgage

I submitted an FHA Assumption application to LakeviewXXXX  through their website in XX/XX/2024. At that time, their website indicated that the approval process would take XXXX days. 
When I followed up after XXXX days, I encountered delays and was told they couldnt find my application. The following week, I checked again and was informed that processing would now take 120 days, meaning I should expect results by XX/XX/2024. 
In XX/XX/2024, I started a series of phone calls to LakeviewXXXX to inquire about my application. During XXXX call, I learned that my application had been restarted in XX/XX/2024 and that I would have to wait another 120 days for results, pushing the timeline into XXXX. 
By the end of XX/XX/2024, having received no updates, I reached out again in XXXX. 
On XX/XX/2024, I spoke with a representative named XXXX. When asked to confirm the email address I provided for the results, I confirmed it was XXXX, the same one linked to my Lakeview/XXXX profile. However, I was then told that the results had been sent to an entirely different e-mail which is not associated with my profile. 
I requested that the matter be escalated. XXXX explained that he would be issuing a " XXXX '' e-mail in order to ensure that the approval documentation was being sent to my actual e-mail address ( the one linked to my Lakeview/Loancare account ). 
As of XXXX XXXXXXXX XXXX XXXX I still have no information from either Lakeview or from XXXX about my FHA Assumption.
Product: Credit card

I had an Apple Card issued by Goldman Sachs Bank ( XXXX ) since 2019. I was always in good standing and throughout the entire time I maintained an excellent XXXX XXXX with the credit bureaus. Earlier this year, through no fault of my own, my XXXX ID was compromised and I had to change my XXXX ID. I called XXXX to change my email address and I was told that because of the way the Apple card is set up, I had to close my account and reapply. So I followed their instructions. In late XXXX. I reapplied for the card and was surprised that to learn that my identity couldnt be confirmed. This seemed strange, especially since I have other accounts with XXXX ( XXXX ). I was told repeatedly to take another picture of my drivers license and make sure that it had a black background On about the XXXX  try, an agent asked me if I had a credit freeze. I said no, but I have a fraud alert ; she said thats probably the problem. Remove the fraud alert wait a couple days and apply again.. I did so, to no avail, same result- my identity couldnt be confirmed. About this time my calls started to be referred to the back office and subsequently elevated to senior management. On the next several calls, I got conflicting information, like I had applied too many times and needed to wait a week, another agent told me I need to wait until after Christmas. I was unable to get a date certain when I could apply again, even though I didnt think this time limit should apply to me since I was applying repeatedly because they instructed me to do so. I was told on XXXX call to add my middle name to the application and try again. I was subsequently told that wouldnt make any difference.On XX/XX/XXXX, I was told that the problem had been resolved, I should reapply and my application should go through. As soon as I hung up I tried again, same result - application was denied. I have repeatedly received emails stating that they tried to reach me by phone, yet I had no voicemail messages or missed calls in my call log. I dont know if Im dealing with sheer incompetence or whether Im being discriminated on the basis of age ( XXXX ) or red lined because I live in a predominantly XXXX XXXX, ( XXXX XXXX Maryland XXXX. I dont make that last allegation lightly, but if you look at a map of the national Capitol area, there is a definite absence of financial institutions, national grocery chains, etc. in XXXX XXXX, despite the fact the County being XXXX of the wealthier counties in the entire country. Personally, I would prefer to never deal with XXXX again after this experience, but I know that XXXX is changing their credit card partner, I want to purchase XXXX products for the holidays. It upsets me that I will not get the 3 % cash rebate at the XXXX XXXX because of incompetence or/or discrimination by XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.this brings up concerns of consumer safety.
Product: Debt or credit management

This is a court-authorized Notice of a proposed settlement in a class action lawsuit, XXXXXXXX XXXX XXXX XXXX. Block, Inc. and Cash App XXXX  , XXXX, Case No. XXXX, currently pending in the XXXX XXXX for the XXXX XXXX of XXXX  XXXX The proposed settlement would resolve a lawsuit that alleges that Block , Inc. ( Block ) and Cash App XXXX XXXX ( Cash App XXXX  ) were negligent, made misrepresentations, and breached other obligations to their users in connection with ( 1 ) a data security incident that Cash App Investing disclosed in XX/XX/XXXX, ( 2 ) a data security incident that Block disclosed in XX/XX/XXXX, and ( 3 ) alleged unauthorized, and fraudulent withdrawals and transfers of funds to or from, and complaint and error resolution processes associated with, Cash App accounts and linked accounts. Block and Cash App Investing contest these claims and deny that they did anything wrong. This Notice explains the nature of the class action lawsuit, the terms of the settlement, and your legal rights and obligations
Product: Debt collection

My Identity was stolen. The person who stole my identity went to the ER in Georgia ( XXXX Hospital ) and got a {$220.00} bill that was not paid. I sent a copy of the police report. Collections is still reporting to the credit bureaus.
Product: Money transfer, virtual currency, or money service

For no apparent reason, Paypal locked my account for up to XXXX days. I called several times to release the balance of {$1600.00}, but the customer service could not help at all. PayPal transfers out the balance of {$1600.00} for " paypal 's damages caused by acceptable use policy violation '' without notifying me before the XXXX-day period expires. This is a ridiculous and scammy activity!
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously complained and the bureaus fixed all the accounts, but now two accounts are showing disputed again as of X/XX/2017 on all three bureaus. -Previous complaint XXXX about TRANSUNION . -Previous complaint XXXX about XXXX . -Previous complaint XXXX about XXXX , XXXX . They are now showing XXXX XXXX XXXX as disputed when I have repeatedly, and even the CFPB has now, advised them these two accounts are not disputed. This keeps holding up my mortgage reviews because I ca n't have disputes shows. The accounts were updated correctly before, but now these two show disputed AGAIN when I have advised numerous times I am not disputing any accounts. Please help.
Product: Debt collection

The original bill from XXXX XXXX XXXX was for XXXX XXXX for my son. It was sent to my ex-husband, and I was not aware that it existed until it was sent to collections and popped up on my credit report in XXXX of XX/XX/2012 At that time, I contacted the collection agency to find out what this bill was for, as that was the XXXX time that I had been made aware of it. Because no one ever bothered to inform me that the bill existed, they gave me 30 days to pay the bill in full -- which I did -- and then they removed it from my credit report. I thought the issue was resolved at that time. 

Now, XXXX years later, it appears that the original collection agency sold the debt to a different collection agency ( XXXX XXXX XXXX ), who is now attempting to extort money out of me for a bill that I have already paid. They are telling me that I need to pay this bill in full within 30 days if I want it taken off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have been using  Discover Scorecard to track my FICO score for a little while now and my score has been steadily improving. I was on the Discover site and saw where it says to see " my offer ''. It also stated that it would not affect my score. I put in my name and last four digits of my social, knowing that I already have an account with them. When I submitted that information, I was directed to " My offer '', the Discover It card. After completing the application in is entirety and EVEN choosing my card design, my application was DENIED and when I checked my credit score , my score dropped due to that particular inquiry being added. There website is misleading. Particularly the wording of " Your offer '', letting me choose my card design, and stating that it wo n't affect my credit. i am working so hard to repair my credit and this is just devastating. I called   XXXX   and explained what happened and asked that they remove the inquiry, the representative told me that I had to call Discover Bank directly and that they would be able to remove it. When I called  Discover , I spoke with a supervisor named  XXXX  who claimed they could not remove the inquiry even after I explained that it was misleading. I asked to speak to HIS supervisor because I was tired of being lie to. He told me that there was n 't one  available and that one would be there at   XXXX   XXXX   eastern standard time. That was at   XXXX   XXXX  . He asked me for my callback number. I gave him the number ( the same one on my application/account ) and here it is   XXXX   XXXX   and I have still not received a call yet!
Product: Debt or credit management

Midland Credit Management company issued a writ of summons to me on XXXX  In their supporting documents it states I opened an account in XXXX XXXX XXXX XXXX I have never even been to California. I had a problem in the past with someone who stole my identity and was opening up numerous credit cards and I've had to contact other companies and had to cancel them. I have filed an official police report with the Maryland State Police and the case number for that is XXXX. I need this taken care of within 15 days it states on the writ of summons.