23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX - XX/XX/XXXX, we submit two applications for a refinance. the first one fell  through because they were too slow. Tried again, and they pulled my credit scores at least twice which causes my score to dip, which causes them to deny my application. 

XX/XX/XXXX - submitted application for a JUMBO refinance loan to XXXX XXXX XXXX, XXXX : XXXX, including all required documents. 

XX/XX/XXXX - receive paperwork to sign, which had errors in it, contact broker, but no response XX/XX/XXXX - reach out, no response XX/XX/XXXX - reach out, no response XX/XX/XXXX - reach out, no response XX/XX/XXXX - finally respond, but paperwork issues are still not addressed XX/XX/XXXX - reach out with question about appraisal, no response XX/XX/XXXX - reached out again, with response XX/XX/XXXX, XXXX weeks later - because of the slow movement, banks are no longer lending. talked into an ARM refi, which we agree to on XX/XX/XXXX. 

XX/XX/XXXX - all documents are gathered and submitted XX/XX/XXXX - reach out, no response XX/XX/XXXX - reach out, response XX/XX/XXXX - reach out, no response XX/XX/XXXX - reach out, no response XX/XX/XXXX - moves to underwriting XX/XX/XXXX - conditional approval XX/XX/XXXX - no word, i reach out XX/XX/XXXX - am told that our application was denied due to credit scores lowering, which were pulled TWICE because of their slowness. 

XX/XX/XXXX - reach out, ask if this deal is dead, no response XX/XX/XXXX - reach out again, no response
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX Speedy Cash  debited my card for XXXX without my permission. When I contacted them they said that the company " XXXX XXXX '' handles all of their collections accounts, and that I should be glad my debt was settled. I spoke to 4 different people with my bank on the line and they kept giving us the run around. I called " XXXX XXXX '' and kept getting a " system down '' recording. Spoke to them XX/XX/XXXX and they stated that they didn't debit my card Speedy Cash did yet their XXXX location is on my bank statement. I asked them to produce the contract since they said the system is automatic. Speedy Cash gave them my account in XXXX of XXXX. XXXX of XXXX your company is still debiting my card. I asked them to produce the letters sent from their company they were unwilling to do so. The representative XXXX asked me if " I needed money ''. Each attempt I made to obtain the paper work they denied it to me. I even logged onto Speedy Cash website to see if I could obtain the contract and nothing was in the log. I asked a rep to send me copy and have yet to receive it.
Product: Mortgage

I have a perfect credit rating and have never been late on payments to any lender or any supplier. I started the search to refinance the mortgage on my home back in XXXX of last year, requesting approximately 30 % LTV. 

I contacted the Union Bank representative on XX/XX/2020. I spoke with XXXX XXXX who started a file for me and requested a large number of documents from banks and LLCs that provide my source of income. He also collected several XXXX dollars as processing fee. Over the course of the next 10 months, the bank continued to tell me that they are working on my loan. In the meantime, I had to refresh/update my bank and LLC financial documents a total of 4 times. They also asked me to bring a large amount of money to the bank ( about 1/2 the amount of the loan ) and I was forced to liquidate an asset to come up with that amount. Hundreds of emails later, I had no promise of a loan, and I have lost the opportunity to lock in the low rate that was available last year and Union Bank had promised. 

Finally, this week, close to 10 months later, I gave up trying! 

This has been a disappointing and time consuming process which will affect me financially, especially because the rates that were available last year are no longer available anywhere. 

Union Bank is not interested in lending. If they did, I would be their ideal borrower with great credit, steady income and with 30 % LTV. They should not wasting people 's time and should not be permitted to stay in the business of lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION, AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ON ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX XXXX -- XXXX : {$0.00}
Product: Credit reporting 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 accounts ( A ). It is not permitted to report these accounts 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
Product: Prepaid card

On XX/XX/XXXX Blackhawk network suspended my digital prepaid card that had a balance of {$3000.00}. Once I realized the card was suspended, again on XX/XX/XXXX, I got in to contact with their customer support network and was asked to Send information to verify my identity. I promptly sent this information via email to their team, and was told that my matter would be resolved within 24-48 hours, and that I would be receiving updates via email. At the time of writing this I have only received one update from their team via email on XXXX XXXX, in which they promised to update me within 24 hours. It is now XX/XX/XXXX, and after multiple calls with their support staff on the XXXX and XXXX they have been unable to provide me any kind of update or timeline for when this matter could be resolved for me to use these funds again. Specifically during these calls they have claimed to have escalated my case multiple times, have promised this matter would be resolved within 24-48 business hours, and that they would be able to send me a refund check by mail. After my most recent call on the XXXX they where unable to provide me any additional details or assistance with this matter. Making me feel as if my money on this card has vanished and has little to no chance of being returned to me.
Product: Student loan

My school loan was a ten year loan and I made payments to the first company,  XXXX , who owned the loan begi nning in   XX/XX/XXXX . Then the loan went over to   XXXX   and I continued to make payments without any problems. In  XXXX  the loan went over to ACS and I continued to make payments. After the ninth year of my loan ended I contacted ACS to find out my payoff amount as I wanted to pay off the loan then and not wait another year. At that time I was informed that my loan was a fifteen year loan instead of a ten year loan and that it was about to go to default. I was told that I would have to pay to bring the account up to date and file paperwork to keep it from going to default. I made the payment ( ACS has no record of this payment ) and sent in the paperwork and it still went into default. I have been trying to get a copy of my master promissory note from ACS. Six months after my request they finally sent me paperwork that I was unable to read ( the words and letters were from no known language certainly not in English ). For some reason ACS does not have the MPN or the supposed updated loan information that changed my ten year loan to a fifteen year loan. They also do not have any record of my payments that were made to   XXXX   and  XXXX  even though ACS is the company who services the loans for  XXXX . I just contacted them again and I still have not reached a satisfactory conclusion as to my situation : a copy of my original loan of ten years, when and how the loan could have been changed to a fifteen year term without my permission or knowledge, why they do not have a record of my payments made before they became the company that serviced my loan ( ACS services   XXXX    school loans so that is not a valid excuse ), how they lost my last payment to them, and finally how they could have sent my loan to default when I made the payment to bring it up to date and sent in paperwork to keep it from defaulting.
Product: Credit card or prepaid card

The collection company is Portfolio Collection in the XXXX XXXX area. 
They are calling me a odd hours of day. I have told them that there wa fraudulent activities on my accounts and I have called the original credit company and the issues resolved and settled. 
I called the original credit company and told them the incessant abuse by Portfolio Collections and they said to tell them again its been resolved. I am at an impasse of what I can do.
Product: Checking or savings account

I have checking and saving accounts with USAA and no other types of accounts. I received a message that required me to disclose both my annual schedule income and net worth in order to keep access to my account via the mobile app. Absent investment accounts, which I do not have this is a violation of my privacy as I believe this info is only used to market me other products.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... 

Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$2600.00}
Product: Debt collection

I am unsure of the debt and its amount. I have not received a notification to initiate a dispute for this information to receive verification required by 809 ( a ) of the Fair Debt Collection Practices Act.

Under 809 ( a ) ( 3 ) of the act, the company must notify me that " unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ''. I have not received the notice, and I need it for my 30 days. Regardless of when it was mailed out, it is affecting my credit report and I want the written notification required under the FDCPA to dispute the debt and request validation of this debt that.
Product: Credit card

Security Concerns Regarding the XXXX Rewards Credit Card Administered by XXXX XXXX XXXX I would like to formally lodge a complaint concerning the weak security processes associated with the XXXX XXXX Credit Card administered by XXXX XXXX XXXX. 

I recently opened a XXXX Rewards credit card account through XXXX XXXX XXXX. According to XXXX, my credit card was sent to me via mail ; however, I never received it. A few weeks after opening the account, my XXXX account was inexplicably locked. After contacting XXXX customer service, they assisted me in restoring access to my account without telling the root of the problem. At the end of the call, I informed the representative that I had not received my credit card. I was subsequently transferred to the credit card department, where I was informed for the first time that my card had already been activated and that there were several unauthorized charges on the account. I have since disputed these charges, and the matter is currently under review by XXXX XXXX. 

In light of this situation, I would like to see XXXX made to XXXX XXXX ' security processes : Weak Activation Process : The current activation process is inadequate. Credit cards are sent via regular mail, and the only information needed to activate the card is the last XXXX digits of the cardholder 's Social Security XXXX ( XXXX ) in addition to the one that printed on credit card. Furthermore, the suspect is not even required to log in to XXXX to activate the card. Given the prevalence of XXXX data breaches, this is not a secure or sustainable approach. 

Lack of Activation Notifications : There is no notification or email sent to the cardholder when the credit card is activated. As the cardholder, I was unaware that my card had been activated and used. This lack of communication exacerbates the risk of fraudulent activity. 

I trust that you will address these concerns and consider implementing stronger security measures to protect your customers. 

Thank you for your attention to this matter.
Product: Debt collection

My credit score dropped last night dramatically. After securing my credit report, I noticed a charge from Midwest Recovery Systems from XX/XX/XXXX. It says I opened an account and the amount is {$500.00} as of XX/XX/XXXX. I never opened any account with anyone in XXXX of last year. I never received any notice regarding this matter from this company by mail or otherwise. I contacted them to remove it as it is not my debt or it is fraud. I have yet to hear back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2023. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco ran my credit without my consent they state they have no signature on file but can not remove off my credit score. Hard inquiry on my credit score I want it removed if possible please.
Product: Debt collection

ERC had been contacted along with their client, numerous times by me in attempt to resolve this issue but have been ignored and this false negative report is and has prevented me from getting the needed score to obtain loans for my business, which is and has been leading to ongoing losses in my business.
Product: Debt collection

This is about like Whos on first situation. 
Commenity Bank sold debt to XXXX XXXX XXXX. Ive been suspect of the amount they said was owed since XXXX full sized refrigerators were purchased and then cancelled because of delivery and installation issues and I believe at least one was never credited back to that account which would grossly overstate the amount owed on the account. XXXX XXXX does NOT have those statements. I contacted Commenity and they have said contact XXXX XXXX and then I get a statement from XXXX XXXX XXXX my payments! That is NOT what I requested. 
So basically Ive gotten nothing to look at to confirm what was actually done on my account. Moreover my income last year was under XXXX. Im not working. Im a XXXX XXXX XXXX on XXXX XXXX  and student loans and the past XXXX semesters loan disbursements for my living expenses were between XXXX mos late from the date noted on my financial aid account. This caused me to be late and XXXX XXXX XXXX  XXXX  what they were charging which was supposed to be no interest and added penalties which I asked them to remove!
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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: Money transfer, virtual currency, or money service

On XXXX/XXXX/2022 I posted on XXXX I was looking to purchase XXXX tickets to XXXX concert in XXXX Ohio. Someone told me they had them and to direct message them. I did. They said they were {$150.00} per ticket. I was purchasing XXXX. I transferred {$300.00} to XXXX XXXX account on Zelle. I was then told it would be an additional amount of money and I would need to send it quickly before I could get the tickets. I then asked for a refund and stated I no longer wanted to purchase tickets. They said they are not able to do that and stoped replying. They have my {$300.00} and I never received tickets.
Product: Credit reporting or other personal consumer reports

I reach out to transunion to have a fraudulent inquiry deleted I have spoke. To the company an they have already stated they have request for transunion to delete inquiry transunion not cooperating an this is unfair please have transunion delete this inquiry
Product: Credit reporting or other personal consumer reports

I recently obtain a copy of credit report an noticed that I have some hard inquiries that I did not authorize. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

aargon is still reporting on my XXXX XXXX credit report as a time barred account
Product: Credit card or prepaid card

On my XX/XX/XXXX statement, there were three unauthorized charges by XXXX XXXX  XXXX on my Citibank credit card. The amounts were : {$380.00} ( XXXX ), {$110.00} ( XXXX ), {$180.00} ( XXXX ). 
Upon receiving the credit card statement, I went online to dispute the charge and was unable to. I immediately called Citibank to report the unauthorized charges. This was followed by a series of follow up calls : XXXX- Called 3 times. I was told I would have to pay the bill and they would submit it to a dispute dept. 

Second call said charges would be submitted to fraud department since they were unauthorized. I would still have to pay the bill until the investigation was completed. 

Third time : spoke to XXXX, a customer service supervisor. She herself had difficulty clarifying my questions. She said I had been victim of fraud and would follow up with senior account manager. She would call me the next day by XXXX since she could not be connected to the correct department. She informed charges had been removed from my account, and I would not be liable for them. 

XX/XX/XXXX - Tried calling number for Fraud Department. Line was continuously disconnected. Gave up after 3rd attempt. 

Charges still on the credit card. 

XX/XX/XXXX - XXXX, Customer Service supervisor called to confirm charges were being investigated by Fraud dept. 

XX/XX/XXXX - charges still on CC. No notification from Fraud Dept to date XX/XX/XXXX - Spoke to Customer Service Representative who gave me the number of the security dept. She said they have not yet resolved the issue, but they are investigating and I am welcome to call them at any time. I informed her that I did not have a case number and, from my experience, they request a case number when I call. She informed me that they should give me a case number when I call. I asked if my old credit card number would be sufficient when calling them to which she responded Yes. I asked why the charges were still on my card. She reassured me that I would not be responsible for these charges. I asked how long it would take to resolve the matter since the credit card is due on the XXXX. She said, it might take one or two billing cycles, but I will not be responsible for the charges. 

XXXX - Call customer service number to inquire status of the investigation. Customer service representative informed me she could not help me with the issue, and I should direct my call to the Fraud Dept. I explained to her that the number for the Fraud Dept required a case number, which I did not have. She transferred me to the Fraud Dept. Fraud Dept representative informed me that the transactions were not considered fraudulent by Citibank since they recognized the merchant from the XXXX billing cycle. I told him I never received any communication from Citibank regarding the status of this investigation. I explained these were three new unauthorized charges and he said he would refer me to the dispute department. I was transferred to the dispute department. I spoke briefly o a dispute representative, who asked me additional questions. I waited on the phone until call was terminated.