23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was dealing with Quicken Loans/Rocket Mortgage on a refinance. From the beginning I was very specific about my situation and made them aware that I had a second mortgage on the home due to a loan modification a few years back. I was very clear with them about my intent to refinance in order to pay off this second mortgage. From the beginning I was told this was not a problem and that they could make it work. They made me pay {$500.00} for an appraisal of the home which came back with mistakes. One bedroom was missed, the central AC unit was not noted and the report indicated I have a drop stair attic which is not even true. After jumping through many many hoops, 3 weeks after the process start I was contacted by one of their supervisors to let me know they had found something when they pulled the deed of the house. They had found a lien/second mortgage on the home. I was baffled and confused because they were aware of this and this was the whole purpose for the refinance. Not only that, they had already pulled the deed on the home 2 weeks before this and were aware. I was told by this supervisor that in order to make the refinance work I now needed to pay off this second mortgage to the tune of $ XXXX. They essentially wasted my time and led me with deceptive practices to try and make this deal. I would like them to refund me the {$500.00} I spent on the useless appraisal with partial and incorrect information. Its crazy how companies can do things like thi to people and get away with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} XXXX : XXXX  XXXX Balance : {$110.00} XXXX  XXXX Balance : {$140.00} XXXX  XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00} TRANSUNION : XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$66.00} XXXX XXXX Balance : {$90.00}
Product: Debt collection

We are senior citizens and have received between XXXX robo-calls during the last month, all using the same voice ( a male with an XXXX XXXXXXXX accent, name and subject matter usually unintelligible, sometimes claiming to represent American Express, with whom we have never done business, insisting that it is important and demanding that we call back, usually from ( XXXX ) XXXX. Some of the phone numbers showed by caller ID include : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX. Calls come at all times of the day or night. Especially intensive bouts of calls frequently occur after we have used the Internet and have accidentally ended up on XXXX sites. We have never done business with American Express, and we never intend to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7600.00} XXXX/XXXX XXXX  XXXX {$22000.00} XXXX XXXX XXXX XXXX {$130.00} ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX/XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX, TX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I was scammed a few years ago by someone online. It really hurt me mentally and financially. I actually went into a heavy XXXX. I was scammed by someone online in a gift card scam. The XXXX XXXX credit card was used for this scam. I am unable to access the account anymore. The company should still have my data and be able to see all my purchases. They are gift cards that I would have never bought for myself or anyone else. I was fooled and scammed into buying them. I am admitting that I was the one who bought those cards, but they were not used by me. I was a puppet for that person. He tricked me into buying those cards for him and he redeemed all of them digitally. I think they were XXXX  cards. It's been a few years, so I don't remember which company gift cards and the exact dates I got them. The bank statements should show those purchases and I might also have some useful pics, but not a guarantee to find them. 

I tried to talk with the bankers and told them about what happened. They said they will investigate and get back to me on it. No one got back to me and it's been over a year now!

This has been hurting my credit score every month for so long. It's stopping me from being approved for a lot of things because my credit barely goes up. 

I will really appreciate it if you guys can help me with this, please.
Product: Credit card

I am a transactor, therefore paying off my credit card at the end of each month. For the last two months, I have been charged interest. I paid the balance less the Rewards that I applied as a Statement Credit and was still charged interest. I have called Bank of America and they refunded the fee but this is deceptive on their part. The balance was paid in full, even if a small amount was a statement credit from the Rewards. It's as if my Rewards were applied or aren't being recognized as a Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported Dates Opened : XX/XX/XXXX, XX/XX/XXXX I have never had or signed any contractual agreement with XXXX  or authorized an agreement with XXXX for any type of loan including a student loan. Furthermore they are erroneously and inaccurately reporting me as late/delinquent on my credit report with the intent of extorting me via my credit, credit worthiness and my employment viability. 

The aforementioned is clearly in violation of the Fair Credit Reporting Act ( F.C.R.A. )
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate late payment reporting by XXXX XX/XX/XXXX. Federal law requires creditors to notify consumers of late payments at least 21 days before the billing due date. My payment, due on XX/XX/year>2020, was reported as late without proper notice. I have contacted the creditor and disputed with the credit reporting agencies, but the issue remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/ LATE PAYMENTS/INQUIRIES AND INACCURATE ADDRESSES from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX, my Identity was stolen & 2 fraudulent accounts were opened in my name. I have no clue how this could of happened ( original creditor names ) XXXX XXXX XXXX XXXX. It is my understanding that according to the fair credit reporting act, it is my right that my information e reported fairly and accurately. 

please help me in any way you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my XXXX Auto Lease agreement in full, but XXXX is showing the account as charged off. 

Dear XXXX XXXX XXXX XXXX  Customer, Your one-time payment made on XX/XX/2016 XXXX XXXX CT of {$470.00} was successfully processed for account ending in XXXX. 

Here are the details of the payment : Confirmation Number : XXXX Payment Amount : {$470.00} The payment was funded from the following payment account : Checking Account Number ending in : XXXX Please save this confirmation for future reference. 

Sincerely, XXXX XXXX XXXX XXXX Please do not reply to this message. Replies to this address are routed to an unmonitored mail box. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX
Product: Mortgage

XXXX Loan Servicing and its companies- Loancare have been hacked. They have taken the entire website down, closed the call center, and have effectively went dark by not providing any information to its customers who they provide mortgage services too. To my knowledge the website and ability to access my loan has been approximately XXXXweeks ( XXXX to XXXX ). I am unable to schedule a XXXX payment or review any information about my loan. They have not made any effort to contact their clients.
Product: Checking or savings account

Company and attorneys are leavin messages saying they are going to press charges in my name for fruad because they have made electric deposits into my bank accounts of XXXX each. I dont have any bank accounts that have any amounts like tbat and im trying to establish an account and in my name and im not able too. Please i dont know where to start or what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has all 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 an 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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

XXXX job, been off work for XXXX  months.. been trying to get help from the bank for my financial situation with my mortgage because I am behind .. due to loss of income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

This morning, I was shocked to find incorrect accounts appearing on my credit report, and I can't figure out why. Ive always checked my report regularly, but today, I noticed errors that seem to have popped up out of nowhere. I even tried refreshing the page, hoping it was a glitch, but unfortunately, nothing changed. The wrong accounts were still there, and now Im feeling extremely concerned. I need the documents Ive sent to be reviewed carefully so I never have to deal with this kind of stress again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus Equifax, XXXX and XXXX requesting that these fraudulent and unauthorized inquiries be removed, and they have refused. I didn't apply to and have no recollection of these companies. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is not licensed to perform any debt collection of any kind in the State of New York ( see attachment ). At this point XXXX XXXX XXXX XXXX is in violation of 15 U.S.C. 1692e - False or misleading representations. Also XXXX XXXX XXXX XXXX and TRANSUNION is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
Product: Credit card or prepaid card

I opened a new capital one quicksilver account after being email I was pre-approved. Apon visiting the capital one website I see they are running a 1.5 % cash back offer, but also a XXXX $ cash rewards bonus for spending XXXX $ in the first 3 months of opening the card. I spent about XXXX dollars less in my first billing cycle. I called in made a payment on time, then inquired about the cash rewards. The employe advised me I need to spend " a little under XXXX '' to get my credit in time for my next statement. Now another 30 days have passed I made sure to spend the XXXX $ amount. The employees now inform me they don't even know what cash special I could be speaking about. I then went to the capital one official website brought up the card and the offer is still currently on site as advertised as I described. I took screen shots let the employe know, she then switched me to a supervisor that also stated no such offer existed. I instructed her to good about such rewards and that it is still currently present on their site. As well as some credit blogs that are being paid to.post about this ad avaliable to new capital one customers. I have screen spotted the sites and capital one site as proof of offer, however staff still says I am making offer up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I downloaded Experian XXXX XXXX and paid for the services and found four accounts that have been opened in my name that wasnt opened by me. My identity has been stolen and Im not sure what to about it. I know the person thats responsible for three of the accounts so what do I do?
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. 
Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : 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 an 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 card or prepaid card

On XX/XX/2019 I was charged for two transactions that I did not make and contacted the credit card company who contacted me on XX/XX/2019 that the investigation was complete and found to be in my favor. 
The two amounts were {$52.00} and {$34.00} and were to be taken off of my account. 
Well they were but then they were put right back on again as two purchases for the same amount so when I called customer service they told me there was a glitch in the system and the credit did go through but then it went though as another purchase. I called the fraud team there and was told in 24 -48 hours it would be credited again but instead of crediting me onXX/XX/2019 they put it through again as two purchases for the same amounts SO I called the fraud number again and was given absolutely no help but to start with customer service who just put me right back to the fraud team again. This has now been going on for too long and instead of the bank trying to help they just keep messing with my account and I want it taken care of. This bank is grossly incompetent and I am very upset as I am getting nowhere. 
So instead of only owing {$140.00} they now have my balance up to {$320.00} I have made no purchases since the fraudulent charge showed up so anything on my account showing as a purchase is the bank adding back the fraudulent charges to my account. If needed the fraud department phone number is XXXX and my ticket number is XXXX
Product: Debt collection

This company pretended to be my EMPLOYER and constantly has been calling my childs phone. This company is not releasing any information and has not sent the original agreement to my house if there is one, by mail.
Product: Credit reporting or other personal consumer reports

I am taking this time to write you in reference to updating my personal information with your company. Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Please update to my full legal name XXXX XXXX XXXX XXXX This is the only SSN attached to my name : XXXX My only correct date of birth is : XX/XX/XXXX 
My only employer is : XXXX XXXX XXXX. 
Please remove all phone numbers on my credit report. 
Please remove all of the other addresses off of my credit report. The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate.