23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Greetings, On XX/XX/2016 there was an issue with my autopay and it debited me for double my mortgage payment. This was my fault admittedly as I apparently inputted into the wrong autopay field. I called Franklin American and was told that it would be wired back to my account. This did n't happen for days. I called back a week later and was told the same thing and that it it would then be resolved. That never happened. I called again and was told that it had to now be mailed to me. I agreed to that and never received it. I called again and they said it would be overnighted and I did finally receive it several days later by regular mail on XX/XX/XXXX. Since then I 've been haggling with my bank about all the bank fees I 've received since then and was instructed it is the obligation of Franklin American to refund me those fees. 

This has been extremely frustrating and has cost me a great deal of money. I need this resolved immediately.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 

- Incorrect Name # XXXX : XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


3. Wrong Date of Birth : XXXX My Date of Birth is : XX/XX/1972 Wrong Employers : - Wrong Employers XXXX : NONE My employers is XXXX XXXX XXXX XXXX. 
. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Money transfer, virtual currency, or money service

PNC will not allow me to connect my bank account to XXXX XXXX because I guess they've had too many problems with it but it won't allow it I should be allowed to use my debit card wherever I like!
Product: Checking or savings account

I disputed charges of fraud with XXXX XXXX for my bank to reimburse me of charges. I did authorize charges but the company scammed thousands of patrons for the music festival. XXXX  XXXX  ( place whew event was to take place has filed a lawsuit against music getaway ). I submitted proof of XXXX letter and letters from other patrons, I have submitted a claim twice to her funds back to no avail. There is a XXXX XXXX dollar lawsuit against the company form several people and they have sinced changed the name of the company. Please help me to get my funds replaced so I can also drop Citibank as my primary banking source. The payments made to music getaway for rooms and concert are never made to XXXX XXXX to secure rooms, I was informed that my account was canceled and not to show up because hotel-was sold out, not true, ( I went online and was able to book a room within hours of them telling me that ). I have proof of others stating they told them their account was canceled also for missed payment, that was my first t clue that something was amiss, I had ample money in my account to cover all payments, the company stated they tried calling me and emailed me, not true
Product: Payday loan, title loan, or personal loan

I complained before see XXXX-XXXX. Unfortunately, the situation started up again recently. 

As agreed in my contract, a regularly scheduled payment of {$810.00} ( due XX/XX/XXXX of each month ) was paid on-line on XX/XX/2021 ( {$290.00} Interest and {$510.00} Principal ) I also mailed an additional payment ( a principal-only payment of {$5000.00} that was received by SoFi on XX/XX/2021. Unfortunately, {$29.00} was applied toward Interest and {$4900.00} was applied toward the Principal. 

Why wasn't the entire amount of {$5000.00} applied toward the principal since my regularly scheduled payment of {$810.00} was received and P & I had been applied accordingly? 

I spoke to a representative of SoFi on XX/XX/2021, and was told the correction would be made within 48 hours, but to no avail. Why hasn't the correction been made and it's been more than 48 hours?

Your assistance in this matter would be greatly appreciated. If I had known that SoFi displayed predatory lending practices I would not have used them for a personal loan. 

I am attaching a pic of my on-line account showing the discrepancy as described in the aforementioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently errors on my credit report including a bankruptcy and numerous inquiries not authorized or initiated by me. This is currently hindering me from getting future credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

One main financial wanted to see my credit report and told me it wouldn't be a hard inquiry and it was a hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U. S. C 1681 Section A. States I have the right to privacy.

15 U. S. C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act and XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 1602 A. States i have the right to privacy.

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that XXXX fraudulent accounts listed on my report. Please remove these accounts from my credit report. These fraudulent accounts are hurting me from the ability to obtain credit
Product: Debt collection

A collection agency contacted me last year in XX/XX/2017 about a account in with XXXX in my name. I sent a dispute and because they couldnt verify it was mine with a contract signature they deleted the collection off my account and sent the debt back to XXXX. XXXX sent me a letter apologizing saying I didnt owe the debt but then in XX/XX/XXXX sold the debt again to another collection agency. I called them told them it was fraud I sent a dispute validation letter and all they sent me was a bill. The account isnt mine and this is showing negatively on my credit report preventing me from closing on my home
Product: Checking or savings account

I am disputing the outcome of my claim. I was able to notice 2 unauthorized transactions done in XXXX XXXX that I know was not me. Chime denied my claim in XXXX hrs claiming no error detected. I dont think the investigation was thorough and outcome determined for a transaction that obviously and well noted done in XXXX XXXX XXXX I would like a review of this again given the amount or given the number to XXXXXXXX XXXX XXXX  XXXX to dispute the transactions further up the ladder. Being from the states I know when a transaction was made unauthorized and especially in a XXXX  country. Given the amount of money and distance I would like to reopen with a more thorough investigation. Thank you for your time. XXXX XXXX I sent the above to Chime after my dispute for XXXX transactions done in XXXX XXXX was denied. They reopened the case on behalf of a rebuttal and sent a link saying I provide a more in depth summary or supporting documents. I talked to XXXX people on multiple occasions saying the link they sent me would take me to the chime site saying Ive been blocked. I went up the ladder only to get the same response and results. Supervisor says they never heard of such thing and doesnt even have the response coming from chime. With further review the site is indeed from chime. Unethical to send links stating provide documentation only to receive youve been blocked from the link sent therefore I am out XXXX without a way to even plead my case in a more in depth way as suggested
Product: Credit reporting, credit repair services, or other personal consumer reports

When apply for a car loan, dealership put my loan application through other companies. Adding other hard inquires. 

also I'm seeing a hard inquiry from I believe to be XXXX that I did not do. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I noticed a charge of {$240.00} that I did not recognize. I called Comerica and reported the fraud and they started an investigation. They called me back later and asked a few questions. They sent me a letter in the mail stating that these transactions were authorized by me. I called them to report it unauthorized!!! I have no history of reporting fraud and have been with this bank over ten years. I'm appalled that they will not protect me in this case.
Product: Mortgage

Applied for a home loan through Sierra Pacific Mortgage Co. Inc. on XX/XX/20, for the amount of {$150000.00}. After being turned down by a reputable local lender, the real estate agent sent us to SPM. Their lender then " assured '' us we would be approved for the loan, rushed through an application, and then " guaranteed '' everything would work out. After 3 weeks of not hearing anything regarding the mortgage loan, 4 days before the scheduled closing date, the lender called to inform us that in order to " be approved '' we needed to pay off many existing debts as well as provide more down payment than was originally discussed. Of course we couldn't, so we were not approved. We were then denied the return of our earnest money because the lender was then unwilling to provide a document saying we were not approved. The lending officer lied on multiple occasions to us regarding the approval and process and details of the loan. He failed to clearly and accurately disclose the terms and conditions. Over the phone, he articulated his opinion that this was not a good deal to take, and after the realization we were not qualified for the loan based on the inability to meet their approval requirements, we did not get the loan or the home. The lending officer then promised he'd send a letter over stating we couldn't meet the terms and were not approved based on those terms, and then promptly did nothing of the sort. We weren't able to get approved for the financing, yet the company refused to provide official documentation stating that.
Product: Credit reporting or other personal consumer reports

I had an account through XXXX XXXX XXXX ( XXXX ). I arranged payment of a personal computer and a subscription to XXXX XXXX, with annual renewal. That renewal was due XX/XX/. In that time I had a new debit card issued and the renewal payment was missed. The amount for information was {$76.00}. On or about XX/XX/XXXX   I received a call from an unlisted number. The caller claimed to be with XXXX. The caller said i had an overdue debt, and I needed to pay. I asked what debt it was, and they wanted my entire Social Securtity Number to discuss. I declined. I thought this was a scam. I received a letter from XXXX XXXX XXXX with an itemized bill indicating the bill was missed. XXXX XXXX XXXX had also added on {$65.00} of penalties. I called XXXX XXXX XXXX and told them of the experience. They agreed to cancel the penalties due to the circumstances and I paid the amount owed. In XX/XX/2023, XXXX transitioned their credit business to XXXX XXXX. In XXXX XX/XX/2023 i noticed that a negative credit remark had been made against me to all three credit bureaus. It lowered my credit score XXXX points. I called XXXX and they stated since XXXX had their credit there was nothing they could do. I should call XXXX or file a XXXX  complaint. I did. XXXX sent a resolution letter attached. I sent the XXXX  a response to this letter. 
XXXX states that they will not take any action. The penalties were refunded to me out of a courtesy. If I was in the wrong, then they should have never refunded the penalties. At the time I was granted this " courtesy '' refund nothing was mentioned about negative credit remarks. I consider this move a duplicitous action by XXXX. At least XXXX did discuss it with me, XXXX the account owner at the time refused to take action at all. The XXXX  recommended I file a complaint through this agency in their response to me. 
I consider this a personal offense to my good name and credit rating and I will not have it. I am well aware the chances of XXXX and or XXXX XXXX  retracting this remark are nearly XXXX. However, it is my right to complain and continue to seek a resolution or besmirch XXXX and XXXX at every opportunity.
Product: Debt collection

I need your assistance in what are harassing calls and threatening language. These calls were made all hours of the day and many times after XXXX. These calls were made to me, my friends and many calls, unknowingly, to my underage teenage daughter. An initial conversation with my daughter the XXXX agent informed her she knew where I was and how to reach me and that if she did not want to see me in jail I needed to return their call. 
After some research this was from XXXX XXXX XXXX. XXXX requirements once you make it by the initial interview you are accepted for driver training. I interviewed and passed the first phase. The second phase required passing a physical strength and health assessment test. I failed the health part of the test multiple times, my XXXX XXXX was too high. Although I take XXXX   XXXX it was undetermined why it was extremely high. Tests were given on Monday if you failed you could come back the following Monday and test again. If you fail three consecutive weeks you are disqualified, you try for two weeks, skip a week and repeat the process. However, I continued this process multiple times with visits to my doctor who reported my XXXX XXXX low. After reported failed attempts my doctor upped the dosage and I finally passed XXXX 's test. One of the first incidents, I would have sudden uncontrollable urges to XXXX. While driving with other students this would happen and no place to stop, I ended up losing it while in the driver 's seat. 
While with a second driver trainer, we drove out to of the driver/trainers stop. I began to sweat profusely with the air conditioning on, a feeling of XXXX and XXXX ensued, I needed to lay down quickly. These types of incidents happened but so infrequently I could not determine the cause. I questioned if I ate enough, one last incident happened while I was driving and I was able to pull in a rest stop and contact the health number the company offered, the only advice they could suggest was to pull over and rest, these are the side effects of the pills. I was driving solo at this time my first run and the concern over having what I called episodes would happen too infrequently to understand when or what would cause them. 
I asked for a leave to deal with my health concerns. I later began discussions to work something out with XXXX to work as a janitor or something as I deemed myself unsafe to drive containers over the road. I was a hazard to myself and anyone else on the road. These incidents would happen while driving my personal vehicle or sitting in the barbers chair. I explained to XXXX that I was a danger and there was a concern on my part about my health. I have tested for XXXX, XXXX, a XXXX XXXX conducted, I took a position in retail for commission far less money/opportunity as my health was an absolute concern for me. I did not benefit from the training and this was a lost opportunity for me. However, it was best I did not endanger myself or anyone else driving a large piece of machinery. I attempted to work something out with XXXX. A collection agency coming after me with the XXXX that URS has is unfair and far from necessary
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the owner of two XXXX Nissan XXXX 'XXXX Both were Totaled due to accidents One was totaled in XX/XX/XXXX and the other in XX/XX/XXXX The vehicle totaled in May still shows a balance on my credit report of {$1500.00} When I contacted Nissan for them to prove the Debt they told me they would not provide any information and keep sending me to a collection agency whom also can not prove the validity of the Debt Furthermore when a new car was purchased the new dealership rolled any negative equity into the new loan payment and also a large cash deposit was made to reduce the negative equity I have never received any information from Nissan proving the validity of the {$1500.00} debt owned to them on my credit report NMAC ACCT # XXXX VIN # : XXXX {$5700.00} WAS PAID TO NISSAN MOTOR ACCEPTANCE IN XX/XX/XXXX I have contacted Nissan several times and they will not provide any information to verify the Debt
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, lnc. ) due to inadequate customer service and unfair practices, which violates the Customer Service Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error revolutions requirement under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek address for the violations
Product: Credit reporting or other personal consumer reports

XXXX XXXX ] [ XX/XX/year> ] [ XXXX ] This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( Auto loans, Credit Cards, and Mobile phones ) [ XXXX XXXX  ] with a balance of [ XXXX on my credit report ], [ XXXX XXXX XXXX  ] with a balance of [ XXXX on my credit report ], [ XXXX XXXX XXXX ] with a balance of [ XXXX on my credit report ], [ XXXX ] with a balance of [ XXXX on my credit report. ]. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # [ XXXX ] # from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This debt was in collections With XXXX XXXX XXXX XXXX. Through phone communication I paid is paid a settlement amount of yet of {$1500.00}. The account was considered settled in full is it settled in full on Thursday XXXX is Thursday XX/XX/2018. I have a confirmation letter letter to prove the account the account settled in full. I have given the information to J HPD E finance twice over the phone and mailed it in once. Their attempt to collect this already paid debt is fraudulent and malicious. This is currently stopping stopping my house refinance and a new yeah hence and a new car loan as well as effect as well as affecting my overall credit and credit rating.
Product: Debt collection

GE said I opened an account in 2012. I did NOT open an account in 2012. It is a deceptive practice to keep derogatory marks on my credit.
Product: Credit card or prepaid card

Several months ago I closed my Visa Card with Bank of America because their continually over-charging of Late Charges and Interest, and carrying them as a balance on on account, even though I paid my account balance in full, and closed my account. 

Then on XX/XX/2019, as a sign of good faith and compromise, I agreed to pay the amount of {$220.00}. to satisfy my account balance in full, and this was approved by a Supervisor. 
My account would be satisfied in full, with no further balance, and no further bogus Late Charges and Interest penalties, etc.

THIS AGREEMENT WAS APPROVED BY A SUPERVISOR, so I paid {$220.00}.

I subsequently received a letter saying that they will NOT honor this agreement, after they accepted my payment.

Clearly a deception and a lie!!

Now they are charging my CLOSED account each month with Late Charges and Interest.

They are certainly aware that i can do NOTHING to stop this, and so they will continue to add on the Late Charges and Interest, and then sell this debt to a Collection Agency.

Also, they are giving me an Adverse Credit Rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts. XXXX XXXX {$7200.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$670.00} XXXX XXXX   XXXX {$6900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Equifax this is a Formal Notice that you have Incomplete, inaccurate, and incorrect information on my Credit Report. 

I have attempted to try to fix this in the past, I will identify the latter in the attachment below.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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