23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, has violated my rights. 

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 a 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.

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

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and credit report : XXXX XXXX XXXX Account numberXXXX Open date : XX/XX/2019. XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX TX XXXX, ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Through out XXXX - XXXX I have been trying to figure out why Equifax is reporting inaccurate information on my report. They are currently reporting XXXX XXXX XXXX as being opened on XX/XX/XXXX with a balance of {$19000.00}. The credit limit is allegedly {$15000.00} and the amount past due is {$19000.00}. The payment status is reading collection/chargeoff while the payment history has Ok from XX/XX/XXXX to XX/XX/XXXX in which they are updating the date of last activity. The date of last active is XX/XX/XXXX and the date of last payment is XX/XX/XXXX. Now how can this be a charge off account opening in XX/XX/XXXX and then charged off and the date of last payment is XX/XX/XXXX.
Product: Mortgage

I was misquoted mortgage refinance rate and fees associated with the residential transaction. When it came time to sign loan docs/application, the lender attempted to slip in {$3200.00} in " buy-down point fees '', not previously discussed. 

Unfortunately this feels like fraud and I wonder how many other people missed these fine print details and are now stuck with paying thousands of extra dollars on their mortgages.
Product: Credit card

I will start by saying that I have been a PNC customer for over 20 years. I went to PNC XXXX ( XXXX GA ) to deposit money into my account. While there, the bank manager kept trying to upsell me to get a credit card. I told her no because I already have a credit card with XXXX  XXXX, and I was happy with just the XXXX credit card limit. This manager may have seen how much money I had in that account at PNC at the time, and kept pressuring to upsell. She told me that if I had interest with XXXX XXXX, that is what is call " bad debt '' and that she could get me a credit card with no interest for 18 months. She told me that if I used the card for a certain purchase amount within a certain amount of time, that I would get a portion of that purchase credited back. This sounded like a win-win. I told her I was only interested in getting a business credit card in order to increase my XXXX XXXX  XXXX score. She told me ok. She ran my credit and I was approved for XXXX for what I thought was a business credit card. She told me I could transfer the debt from XXXX XXXX, and just close the XXXX XXXX card. She had me sign a magnetic pad ( this pad had no XXXX, or screen or anything to it. ) I signed it. She then told me that I would get the documentation with the card, but that there was a delay in the Georgia mail delivery at the time. I went to my car, and something didn't feel right. I felt like I had been scammed. I got out and went back in to ask her if the card was in my business name, and she said no. I told her, " I told you I only wanted a business credit card. I would like to cancel this card. '' She then told me, " You can't cancel it. You will have to wait until you get the card and call to request to cancel the account. '' My fianc 's mother got sick and we had a XXXX on XXXX visits and hospital stays with her, and it slipped my mind ... but one day while I was in the hospital waiting room ... I just decided to go ahead and transfer the balance over the phone. I called PNC to do that. About a month later... I noticed finance charges for over {$100.00}! Then I checked the previous bill and saw the same!! I was livid! I called them to see why I was being charged as it had not been 18 months, and the young lady told me that I was only to get no finance charges on the transferred balance..not the whole card. THIS WAS A BAIT AND SWITCH tactic. The bank manager was VERY deceptive, and that magnetic pad that they have people sign aids in the deception because the consumer can't see what they are signing. When I called customer service about this " bait and switch '' ... they proceeded to tell me that it was either one promotion or the other. TOTALLY DECEPTIVE! I never even received paper work when I walked out. My case was escalated to someone else..who has given me the run around for almost 3 months. She asked me to wait until after the holidays. Then she asked me to wait another two weeks. I feel this person has no intention or no clue on how to resolve my issue.I have requested that they honor what they told me with no interest charges. This is unfair and fraud!
Product: Debt collection

I signed up for credit repair with XXXX XXXX XXXX XXXX who was discovered to be a fraudulent credit repair service. XXXX XXXX XXXX charged me a total of {$800.00} of which a {$400.00} deposit was paid to XXXX XXXX via XXXX, and the remaining balance of {$400.00} was to be paid monthly to the company Denefits. Although I advised the company Denefits that XXXX XXXX XXXX XXXX and XXXX XXXX both were found to be fraudulent and a scam company they are refusing to end the contract, have placed this tradeline on my credit report and are continuing to report this item as delinquent on my credit file. They continue to harrass me every week trying to collect the remainder of the balance owed although they themselves are unable to reach XXXX XXXX or her company XXXX XXXX XXXX.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Customer Service XXXX XXXX XXXX XXXX XXXX, MN XXXX USA Subject : Complaint Regarding Unauthorized Application and Request for Removal from Credit Profile Dear Sir/Madam, I am writing to file a formal complaint against XXXX XXXX XXXXXXXX regarding an unauthorized application made in my name and to request the immediate removal of this application from my credit profile. I recently discovered that an application was made without my knowledge or consent, which has negatively impacted my creditworthiness and financial well-being. I kindly request your prompt attention to this matter. 

To provide some context, I have never applied for any credit products or services with XXXX or XXXX. However, I was shocked to discover that an application was made in my name without my knowledge or authorization. This unauthorized application has had a significant adverse effect on my credit profile and has made it difficult for me to obtain credit or secure favorable interest rates. 

I am deeply concerned about this unauthorized application and the potential implications it may have on my financial standing. I have taken immediate steps to protect my personal information and have reported this incident to the appropriate authorities. However, I now request that XXXX and XXXX take immediate action to rectify this situation and remove the unauthorized application from my credit profile. 

I kindly ask that XXXX and XXXX conduct a thorough investigation into this matter to determine how this unauthorized application was made and how my personal information was accessed without my consent. I also request that XXXX and XXXX provide me with a detailed explanation of the steps taken to rectify this situation and prevent a recurrence in the future. 

Enclosed with this letter, please find copies of relevant documents, including any correspondence or statements related to this unauthorized application. These documents serve as evidence of the unauthorized application and the negative impact it has had on my credit profile. 

I urge XXXX and XXXX to address this matter promptly and take all necessary actions to remove the unauthorized application from my credit profile. Failure to do so will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and seek legal remedies available to me. 

I appreciate your immediate attention to this matter and expect a timely response within [ number of days ] of receiving this letter. Please provide me with updates regarding the progress of this complaint and any further actions I should take. 

Thank you for your prompt consideration and cooperation in resolving this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

I strongly believe I have been wrongfully foreclosed on. I am following up and giving you a status on what the banks have done to me and my family by refusing to work with us from the beginning when we defaulted on the mortgage loan. The certificate has been issued back to the bank XXXX OWNER servicer Wells Fargo mortgage. I do n't understand how the big banks got a bailout and they refused to modify my mortgage loan, instead decide displaced us from my home. This was my only and first time home. Now we have lost it to foreclosure. I have been advised they sold the home to XXXX, XXXX and they sold it to another investor XXXX, XXXX for {$110000.00} a double closing. Why could n't they modify my loan for that amount which would 've been afordable. My mortgage loan was for {$220000.00} interest only loan 10 years ago. I am so upset and disgusted. Who is watching over these transaction?
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report in XX/XX/2021, and requested an investigation for XXXX XXXX accounts ( XXXX ) XXXX account ( XXXX ) and XXXX account ( XXXX ) reporting on my credit report due to not knowing what the collections are for. After their " investigation '' I received an email saying the accounts have been verified and will remain on my report. I requested another investigation in XX/XX/2021, received the same response.. Accounts are accurate and will remain on my credit report and in XX/XX/2021, I requested a third investigation being they aren't accurate and again rec 'd the same response. In XX/XX/2021, I sent a couple factual disputes letter stating that there was no way the accounts were properly investigated because if they were, the the last reported date would've changed to the most recent date of when I asked for the reinvestigation to XX/XX/2021 for the XXXX and XXXX, there is no FCRA dispute in the comment box for the XXXX and XXXX account, they wouldn't continue to report CO on the conserve account because they would've known its been paid if they investigated the account properly and they would've put the date of last payment for all XXXX accounts since they accounts have been paid. I also pointed out that they re aged the XXXX account which is a FCRA violation. I sent in copies of the last 3 months of my credit reports to show proof of the above mention. I gave the credit bureau XXXX separate times to fix the inaccuracies and violations and yet they failed to do so.
Product: Payday loan, title loan, or personal loan

I have not been able to get a loan for a week because the app unconnected from my bank account.
Product: Student loan

I have made multiple attempts to reach Mohela to discuss the status of my XXXX eligible student loans. I provided them additional documentation which I was told would be reviewed within 5 business days- this was almost 6 weeks ago. I spent an inordinate amount of time calling their various numbers to try to speak to someone but their automated system makes it nearly impossible to reach anyone who can help. Finally, today I got through to a representative. I explained the nature of my issue and then was immediately told they couldnt help me and would transfer me elsewhere. After waiting on hold for over 90 minutes the phone disconnected. 

If this is the agency managing XXXX - eligible loans on the governments behalf I would recommend firing them and finding a company capable of actually helping the borrowers. Its embarassing to spend so many years in public service for the promise of XXXX only to not be able to get your loans discharged. I have made the requisite payments and what they are currently doing is nothing short of criminal.
Product: Credit card

We purchase from XXXX often. Often enough we get defective products. To protect ourselves we use a credit card when paying because this gives us access to the credit card companies chargeback policy which is a better protection than XXXX XXXX XXXX XXXX. Unfortunately we recently purchased around XXXX  bags and the vast majority are leaking from a defective seal in the seam of the bag. Out of an hour and a half of testing we found 2 bags that didn't leak and the rest leaked. This is after going through about XXXX  during packaging trying to find some that didn't leak. 

Despite this the seller ( on XXXX, basically wholesale XXXX ) keeps telling Amex that there is a policy that prohibits chargebacks, and no matter how many times XXXX  or myself tells Amex there is no such policy they keep siding with the seller. 

Further they claim there is no proof of that this is defective but I've uploaded over an hour and a half of video opening boxes, filling bags with water, and showing they leak out of the side of the bag. 

They then claim I've refused a feasible solution, but the only solution offered is for the seller to send me about XXXX bags to replace the XXXX bags and the kicker on top of this is these XXXX bags are from the same run where the other XXXX bags leak .... So they will be leaking too... 

It is honestly like my chargeback is getting auto denied over and over again for no good reason. 

I am just trying to get someone to give this an honest review. I am happy to do whatever is needed, record more videos of the bags leaking, test the videos on a live chat, and show as much as I can, but they are just auto denying it. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the Buyer selects credit card as the method of payment, the Buyer shall be entitled to request for chargeback. In such event, the Seller shall cooperate and bear the burden of proof. In the event where the Seller does not provide any evidence or fails to prove its case, the Seller shall be liable for the relevant losses. Whether the Seller is able to successfully prove its case will usually be based on the relevant credit card issuers determination. ''
Product: Debt collection

Aargon has been removing and placing this charge on my credit for 3 years now I contacted this agency about 3 months ago and they removed it and have placed it on my credit agian.
Product: Credit reporting or other personal consumer reports

I applied for a credit card with my bank, set up auto-pay, and consistently paid for the card I applied for. However, I noticed my accounts were being deducted twice for an unauthorized credit card. Despite bringing it to the bank 's attention, they didn't clarify the issue, and I stopped payments for the unauthorized card. I reported the problem to credit bureaus, but the bank refused to remove the account, resulting in a delinquent charge-off, negatively impacting my credit.
Product: Debt collection

I've received multiple calls from portfolio recovery, this company either calls late in the evening or on XXXX. XXXX specific calls are both on XXXX XXXX at XXXX another at XXXX on separate days. Phone numbers XXXX, and XXXX. Calling me too late or on a XXXX is a clear violation of Fair Debt Collection Practices Act.
Product: Debt collection

I have been having a rough time financially, but I am on track to taking care of my debts. I have not heard from Hunter Warfield since XXXX of XXXX, but I am aware of my debt with them. I reached out via phone call on XX/XX/XXXX at XXXX XXXX. The first representative I spoke with explained the options I had but neither of the two were within my financial means. I gave them a number that I could afford to settle the debt, but he refused and said that the lowest they would go was the amount stated for settlement, around {$1900.00}. I tried to explain that I am currently unemployed, a XXXX XXXX, and taking online classes to earn my degree so I can get a better job and that I did not have much but that I could afford {$1100.00}, but no more than that. The original amount owed is around {$2300.00}. The first representative got frustrated with me and told me he needed to transfer the call to someone else. The call was transferred to XXXX, which is when it got worse. I re-explained my situation, but he still pressed and said that they could not go any lower. I told him that the two options they gave me were not possible for me and my situation which is when he said, " how close to $ XXXXXXXX {$1600.00} can you get? '' I again told him that I could only do {$1100.00}. I told him I understood that it is low, but it is all I could afford. He then asked me what my future plans were. I told him I did not know what he was referring to. He stated " you are going to school right now, right? Does that mean you want to get a job after you graduate? '' I told him yes, of course, which is when he said that the {$2300.00} owed would be better than $ XXXX {$6000.00} in court fees or 20 years in XXXX  because of this unsettled debt. I am aware of my rights, and I know that I can not be threatened with XXXX time from a debt collector. This statement from him infuriated me, as it is not only a threat to me but to my XXXX son as well. I do not appreciate being threatened when I am trying to correct my errors and resolve my debts. I told him that he could not threaten me with XXXX time. Throughout the XXXX phone call I was threatened, they raised their voices, cut me off, spoke over me, and called me rude multiple times. This company, Hunter Warfield, is unprofessional and out of line. I only hope to resolve my debts without having to deal with that level of verbal XXXX  again.
Product: Mortgage

In XXXX we refinanced the house located at XXXX, Ca XXXX. My Name is XXXX. The loan was for {$320000.00}. It was with XXXX ( which is now Wells Fargo Bank ). There was another loan on the property for {$170000.00} by Wells Fargo Bank. 
This {$170000.00} first was never paid off in escrow. Thus since XXXX, we have had two loans on this property. The total of these two loans was {$490000.00}. Our house was never worth {$490000.00}. Thus since the time we refinanced our property, it has been 100 % upside down. 
We have spoken with Wells Fargo to correct this problem, however, have not received a satisfactory conclusion. The {$320000.00} loan number is XXXX. 
Now there is a sale date of XX/XX/XXXX on this house. We have been working with numerous people at Wells Fargo. They stated that the sale date has been suspended, however different websites state that the house is still scheduled for auction on XX/XX/XXXX. We have been providing information necessary to keep the house. My immediate request is to remove the XX/XX/XXXX, sale date. My goal is to keep the house. We are in need of a work out program that will allow me to stay in the house. The {$320000.00} loan has been in 2nd position, due to the fact that the {$170000.00} loan was never paid off. This has caused reputable harm on my credit as well as financial hardships. 
I have received payoff information on both loans. Thus, remove/forgive the {$320000.00} second position loan, leave the lower amount loan, first position, of {$170000.00} which is not being foreclosed on. In a letter dated XX/XX/XXXX, Wachovia admitted the loan of {$320000.00}, was in 2nd position. Remove the sale date of XX/XX/XXXX.
Product: Checking or savings account

My chase bank account was hacked and someone tried to send money to my account and then said it was a fraudulent transaction. My account was then closed and I tried to call and explain to them that I had no idea what was being done and they told me that since the the other person reported it as fraud that it was nothing I could do. They even tried to say that I was the one to do it, I only use my bank card for bills and investments into Crypto.
Product: Debt collection

In XX/XX/year> I sent a Debt Validation letter via certified mail to the address given to me by phone, XXXX XXXX XXXX, XXXX, CA XXXX. The letter was never picked up or accepted by XXXX. The company continued to send emails and call. In XX/XX/year> I sent another Debt Validation letter via regular mail to that address and it was returned to me today as 'Return to Sender Attempted Not Known Unable to Forward. ' I called XXXX to ask for a mailing address. The first call I was transferred to a Manger and she gave me the same address I already have and when I pointed that out to her, she hung up on me. I called again and was transferred to a man that began yelling at me that I need to get a lawyer, I'm too stupid to know how it works, and after I refused to give him my name, he hung up on me after refusing to give me the mailing address and said my lawyer should call him.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require 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 information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MI, XXXX XXXX  XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX Balance : {$510.00}, XXXX XXXXXXXX Balance : {$1200.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3100.00}, XXXX XXXX Balance : {$480.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00}, XXXX XXXX ( XXXX XXXX : XXXX ) XXXX Balance : {$720.00}, ( Original Creditor : XXXX  XXXX XXXX Balance : {$1000.00}, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021
Product: Debt collection

Midland Credit Management received a Court Civil Judgement of XXXX. On XXXX/XXXX/2014 I made an agreement with Midland credit to repay my debit XXXX dollars per month till amount was paid offOnce the account was almost paid i contacted Midland Credit for a final payment amount. I was told I owed {$980.00}. I calculated all my payments and found I 've paid a total of XXXX over paying on the judgement by XXXX dollarsNo amount of contact by my bank and proof faxed and sent registered mail has resolved this issue with Midland Credit Management.