23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I applied for a home equity loan ( loan # XXXX ) with loandepot.com, ( NMLS # XXXX ) Overnight, I changed my mind because I wasn't comfortable with the terms and on the morning of XX/XX/XXXX, I sent a text message to the loan officer informing her of my intent to withdraw my loan application and cancel the loan. Loandepot.com charged my credit card ( initially with my approval ) {$490.00} for an appraisal fee on XX/XX/XXXX and {$22.00} for a credit report on XX/XX/XXXX. Both of these fees were charged after I canceled the loan. I was told the charges would be refunded, since the services had not been performed. I followed up on XXXX asking again for the refund. The loan officer never responded to my text messages, emails or phone calls. I called Production Manager XXXX XXXX during this time period to ask for a refund and he assured me it would be processed. The original loan officer contacted me on XX/XX/XXXX and said the refund would take approximately 14 days to process. At this point it was already past 14 days since cancellation but she said to give it another XXXX days. Now it's been 27 days since I cancelled the loan application and I still haven't been refunded those fees. The original loan officer ( XXXX XXXX XXXX # XXXX ), nor her Production Manager, XXXX XXXX have returned my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THE FARUD ALERT ON MY CREDIT RPORT I DID NOT AUHTORIZE SOMEONE TO ADD A FRAUD ALERT ON MY CREDIT REPORT. PLEASE.
Product: Checking or savings account

They placed my funds in my account on the XXXX of XX/XX/ of XXXX and took it away they playing on my intelligence
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$1300.00}
Product: Debt collection

I 've told several creditors that my identity was used fraudulently and that I was not liable for the accounts that were used and wanted them removed because I told the credit reporting agencies to ask for additional information etc because my identity was stolen / used fraudulently and credit was still extended without my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to file an online dispute but Experian have blocked me from disputing inquires and other inaccuracies on my Experian online account. My only option was to mail in my dispute which I did. I received an alert today from Experian account via email and when I logged into my Experian account for the result 's from my dispute was not available to me instead the message on my account stated to call customer service or check my report for updates but there's no information on the results on my credit report. I spoke to five representative and I was continuously transfer to multiple representative and even hanged up on. The representative stated they can only read the results to me but can not remove the block on my online account for me to read the results online. I was told that the information was verified but I was deny access to see the result of the investigation for myself. Experian have blocked me from disputing online inaccuracies on some of my account online. Please assist me in getting the result 's of my dispute investigation. Experian should be able to determine how i receive the information. Below are the case number for the disputes. Thank you Results Report Number : XXXX Date Generated : XX/XX/2021 Your dispute results are currently not available online Please call one of our friendly specialists or check your report for updates. 

When calling, use Report # XXXX. 


Results Report Number : XXXX Date Generated : XX/XX/2021 Your dispute results are currently not available online Please call one of our friendly specialists or check your report for updates. 

When calling, use Report # XXXX XXXX Mon - Fri : XXXX - XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I sent a certified letter to Transunion, disputing information I believe is inaccurate and needs to be verified. On XX/XX/XXXX, I get a secure email from Transunion stating that they can not verify I sent in the disputes or an authorized 3rd party so they will not prcoeess is. I call Transunion, and they said they no longer have the disputed docs I sent, and I need to resend. I resend the docs again, via certified mail. On XX/XX/XXXX, I get the same email stating that they can not verify I sent in the disputes or an authorized 3rd party. I called Transunion. The representitive XXXX XXXX XXXX  claimed she can not access the docs, and only a manager can view it. I waited on hold for 52 minutes to speak to a manager. She tells me that she can not accept such documents and it appears not sent by me. I DID send a copy of my drivers license, so she knew good and well it was me. 

This is illegal, as each dispute and challenge must be addressed individually and on its ownmerits.My letters were created using software that is available to everyone. They are violating 15 U.S. Code 5 1681i.They are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters sent with my name on them. Either I or my lawyers wrote them with my full knowledge and consent.
Product: Credit card

I set up a bill payment from my XXXX XXXX account with a delivery date of XX/XX/XXXX  My American Express bill is due on XX/XX/XXXX  The records on the XXXX Website state : " Delivery date XX/XX/ Your payment will be debited on XX/XX/XXXX XXXX two business days prior to your delivery date. '' The records on the Amex website state the payment wasn't received until XX/XX/. I was hit with a late fee from Amex of {$29.00}. I was also charged {$76.00} in interest. I called American Express and they refunded the late fee as a courtesy but will not budge on the interest. They are claiming that they don't hold payments, they claim the payment wasn't delivered until XX/XX/. I spoke to a customer service agent via chat and a supervisor via chat as well on XX/XX/. I then spoke to XXXX and explained the situation, and they are claiming they sent the payment on XX/XX/. I spoke to a customer service agent via chat and a supervisor via chat as well on XX/XX/.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed account that was reporting inaccurately that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/22 and XX/XX/22. Please investigate and provide proof with verifiable statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The following accounts listed below are stillreporting on my Credit Reports and need to be corrected immediately : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has posted business credit information on my personal credit report. Furthermore, XXXX XXXX reports this account as charged off after entering into a repayment agreement. This account is being paid as agreed by the superceding agreement, and should not be posted as a personal debt.
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX  I called in to make a payment with my credit card or debit card. Customer service stated that credit card payments were not accepted nor debit card. Only method of payment was to be done online with a checking account using account and routing number. At that time I did not a checking account. I asked the representative of all other payment methods to keep this account from being past due or late. This representatives failed to mention they offered a pay by mail option. This caused a very big impact to my credit score. Which could have been avoided if all options would of been addressed.
Product: Money transfer, virtual currency, or money service

On or about XXXX, I accidentally locked my COINBASE account. I have had no access to my account or my money since that time. I am completely locked out and have submitted a case file for help. I have called 4 times since then and each time I call I am assured my case is being escalatedand to please be patient and wait for a response.. I have repeatedly submitted my DL and selfie photo numerous times, and each time the identification software rejects it. I need someone to help me regain control of my account.

I can not file taxes until I can access my account and have no means to see what has occurred with my account. PLEASE HELP!! The promises I have been given that this will be rectified have all failed. I am at my wits end and am in desperate need of access to My Money!!

This is inexcusable and there should be a laws that protect investors from non-responsiveness. I am completely at the mercy of Coinbase and then are not responding. 
I need to file taxes!! 
I need my money!! 
I need legal assistance. 
HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account completely off with a balance of zero in XXXX of XXXX. I set up recurring payments of XXXX XXXX dollar payments with walmart to complete the balance in full. Walmart then closed my account in XXXX of XXXX but are reporting to the credit bureau that they closed it in XXXX of XXXX which is incorrect Since then. the company continues to charge me with late fees and rolls the balance with more fees. They send the balance to the credit bureau but have not sent me a bill or anything in the mail to support the balance they claim is owed. 
I have mailed XXXX, XXXX, and XXXX to investigate this error and remove it from my account. Since the account is listed as 'closed ', walmart does not respond and they are not updating this account correctly on my reports. 
I need assistance in getting the balance shown as zero and the late reporting removed or the complete account removed. 
They are not fcra compliant as they continue to report and refuse to respond to my issue.
Product: Money transfer, virtual currency, or money service

XXXX scam using XXXX. Have written confirmation of receiving tickets to XXXX vs. XXXX Game 2 for {$650.00} for 2 tickets. Used fake emails, confirmation # 's, phone # 's, names. XXXX and Wells Fargo can take no action to cancel transaction even though I have informed them it is a fraudulent transaction. I informed Wells immediately and they can do nothing - they really should do a better job of educating their customers on what XXXX is in their online portal, risk associated and differences vs. ACH / other methods ( ie no time to clear, etc. ) Lack of consumer fraud protection with banks and XXXX is a real issue.
Product: Credit card or prepaid card

i had 2 Kohl 's Charge cards, made full payments on time all the time. One day I made a full payment on the wrong account before the due date but did not notice the error it until the statement came with late fees and interest charges. I called the costumer service and transferred payment from one to the other. They apparently waived the late fee but not the interest and the next month late fee on unpaid interest shows up. I called again and rep refused to hear my explanation and refused to connect me to a supervisor. Later on a second attempt they agreed to connect me to a supervisor but was on hold for 20 min. Meanwhile, every month I am getting a late fee charge for an interest that should not have been charged at all. They are only interested in taking your money, not in customer satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ninth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX : {$490.00}.
Product: Checking or savings account

My account was with BBVA and now I am told is moved to PNC. I have followed all the directions and tried calling PNC unsuccessfully on multiple occasions- their hold times are ridiculous ( 45 min without anyone answering ). I am trying to setup online banking and the information PNC has sent to me as well as the debit card number wont allow me to setup an online account. When I try calling I can not get any human to answer - it is infuriating that all during the hold times the automated message keeps reminding me that I should try their online banking for faster service. I need help from a human and have no more time to continue calling and holding ( one of the times I called and held for almost a half hour only to have the call disconnected ). What more do I need to do???
Product: Credit card

I have had this credit card for roughly a year or so. Every single account and credit card I have is on auto pay, every single one. This Frontier card has been no exception, I would know if I logged in every month to pay this card. It was setup on auto pay, I just happened to see an email saying I didnt make a payment this month, after it was apparently late. I reached out to them and they essentially told me I am wrong and I log in every month. I have 6-7 credit cards and I have not paid a late fee on them ever, this is the only card. I went through my emails and the ONLY time they send you an email for a payment is when you schedule it online. I have received 4 emails, all 4 emails coincide with my 4 recent EXTRA payments in the last 2 months, on top of the minimum payment due. This was their reply : Thank you for contacting us about your Frontier Airlines XXXX XXXX. We appreciate you taking the time and effort to reach out to us regarding with your late payment fee. 

Upon review of your account, we can confirm that you manually scheduled your payment on our website since XX/XX/2023. 

You can confirm the status of your payment by selecting the Payment Activity link located under the Payments tab on your account homepage. Also, the box in the center of the account homepage will display your payment status. If we have not received your payment, this box will show the minimum amount due as well as the due date. Once your payment has been received and satisfies at least your minimum due, a badge labelled Paid will display next to the Minimum Payment and/or Statement Balance, as well as the phrase No Payment Due at This Time. 

When we receive a payment that is not at least the amount of the minimum payment due by XXXX XXXX  ET on the payment due date shown on your monthly statements, a late fee is applied to the account. 

To avoid fees in the future, you have the option to make your payments automatically each month. You can enroll by clicking on the Repeat Payments link located under the Payments heading displayed on the account homepage. On the next page, choose the amount you wish to pay by selecting Minimum Payment Due, Statement Balance, or Other Amount. 

You can schedule your payments to be paid up to 10 days prior to your payment due date, or on your due date. Once you've made your selections, click Review and Verify. If everything is correct, select the button that says Enroll in Repeat Payments. If you've not previously set up an account, or you would like to add a different account, please have your banking information available. 

Also, we offer several account alerts, such as email and text messaging, which will keep you informed about your account. To set up or change your account alert settings, select Alerts under the heading titled Services.

We hope you find this information helpful, and we thank you for your continued business. If you have any other questions or concerns, please reply to this message.

Sincerely, Customer Care
Product: Debt collection

I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with PCB. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. This account Is not in compliance with HIPPA ACT standard and is in violation. I request that PCB Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all CONTRACTUAL AGREEMENTS with my signature 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PCB Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$3100.00}. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. 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 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 ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting 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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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

Transunion AGAIN FOR THE FIFTH TIME THIS YEAR has dropped my credit score XXXX points overnight!!!! I am suing for discrimination!!! This is unsustainable for me! I can not get a place to live as a XXXX veteran this is absolutely unconscionable. I transferred money to a new account to better my score NOT to have Transunion XXXX me yet again out of more than XXXX points in 1 night!
Product: Credit reporting

I had XXXX vehicles through metro credit union. I had XXXX vehicles on XXXX loan. They were both repossessed. I never received the the paperwork to this judgement that is now filed on my credit report for currently {$11000.00}. I recently went to the court house to get a copy of this judgement. First of all the reporting date that 's on the paperwork is n't the same as reported on my equifax and experian. But the part I found very disturbing is the paper work has the original loan papers which has the the Cadillac car and the GMC van on the same loan. I have the paper stating they repossessed the Cadillac and that they sold it and put that amount towards the balance that I owed. But for some reason it does n't mention that they sold the GMC van and if they did re sell it, they never added that balance to the amount that was owed. Which makes this amount that I owe not accurate. I do n't know if they sold the van or not. But what I do know is they are saying I still owe something that they have and if they sold it I was never compensated off the amount that I owed. The amount that has hurt my credit to the point of not being able to pay back because the interest is about almost or is 20 %. The court house that gave me the judgment paper work told me that this account to be paid off in full including interest is over {$22000.00}. How could I ever afford that? They have charged me interest on a amount that is not accurate and because of this it has ruined my credit life. If I would of been given the paperwork I could of fought this in court. The person they served had no right to sign for paperwork important paperwork on my behalf not to mention I did n't live there at that time.