23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2016 I began the process to refinance through " eLend '' and signed the initial mortgage disclosure package. I agreed to a XXXX year loan fixed rate of XXXX %. I provided all requested documents in an expeditious manner and satisfied all requests from the lender to include an appraisal they directed me to use. On XX/XX/2016 I received an email from processor XXXX indicating my loan has been conditionally approved and the rate lock of XXXX % would be expiring on XX/XX/2016. In addition the email requested documents within XXXX hours. I immediately sent all requested documents, satisfying the request and sent an email to XXXX indicating the documents were sent. I did not receive a response until after the rate expired on XX/XX/2016. I was informed the rate would be extended. After several attempts to contact XXXX to once again check on the status of my loan, I received an email indicating the rate lock had expired again on XX/XX/2016. I spoke to origination XXXX XXXX and explained I have sent all requested documents and did everything on my part to satisfy the loan, but " eLend '' has allowed the rate to expire twice. XXXX apologized, but said the best they could do was increase the rate to XXXX % and charge me fees. I pleaded my case once again and XXXX called back explaining he would waive the fees, however could not give me the original rate of XXXX % even though it was " elend 's '' fault for the rate expiration. As a result, I have lost credits paid towards closing costs and have an increased rate due to elend 's lack of ability to process a loan.
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, Account # XXXX, has violated my rights. 
XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX, Account # 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 pulled a copy of my most recent Transunion credit report dated XXXX and notice some inquires I do not recognize. I've gone back and contacted XXXX who the XXXX inquires are from ( dated XXXX & XXXX respectively ) and they are not tied to any accounts I currently have. They recommended I reach out to Transunion, so I also sent Transunion a dispute letter through the mail and haven't received any reply from them and that was sent on the XXXX or XXXX of XXXX.
Product: Debt collection

I received a statement fro Convergent Outsourcing, Inc. claiming that they were collecting an overdue balance of {$45.00} from XXXX. I googled Convergent and found other people who have been scammed in the same manner. 

I am a XXXX member and I reported this event to them. They suggested I contact the FTC.
Product: Money transfer, virtual currency, or money service

This company would allow me to send money before confirming.
Product: Credit card

Hello and thanks ahead of time for reading and/or offering any help. 
The story begins with a trip to XXXX XXXX. My wife and I had decided to take a trip XXXX and about three days into being in the country I got news that my credit card was compromised. Here I am, with my now-useless travel rewards card. So much for no foreign transaction fees. 
I call up Bank of America and ask them about what I can do. They offer to send me a new card but I 'm out of luck because my wife and I have to keep moving. We were hiking a trail and had to be certain places on certain days. No time to wait around and have a card delivered. 
I told Bank of America that I would n't bother and I 'd just use cash. They offered to waive my foreign transaction fees on my other credit card. They could n't change the terms, but they would put a note in my account and if I called up they would credit my account for the cost of the fees. 
The first month was annoying but alright. I called up they said it could n't be done, they led me around to supervisors until they dropped my call. I then called again ( immediately after ) and the first rep I talked to credited my account no problem. I had also been notified that I did n't need to call every month and that I could simply call up once when I got back to the XXXX. 
Now, here we are, 3 months later and I 'm back home in the XXXX with some time to call up BofA. The rep refuses to credit my account, says I agreed to the terms and conditions and that I agreed to fees. I explain the story, she says I ca n't be credited. She transfers me to a XXXX. I talk to the XXXX, same story. She tells me she see the note but the first time was a courtesy and they could n't do it again. I ask for someone higher up, they give me the run-around and say there is n't anyone else available. 
BofA lied to me. They took my money through fees that they promised to reimburse me. I only have some minor details recorded of who I talked to and when those conversations took place, but none of this is helping me. I feel helpless and quite frankly, used.
Product: Credit reporting

I have been in contact with Equifax in the previous months, for which, I have certified return receipt cards, to proof that their representatives signed for my letter informing them that I had previously reviewed my credit report and noted that there were XXXX entries that were not mine. I notified them that I had even contacted XXXX XXXX and XXXX by certified return receipt XX/XX/2016, inquiring about the XXXX entries that were listed in my credit file by these XXXX companies. XXXX XXXX along with XXXX XXXX XXXX have both failed to supply me with valid proof baring my signature that I was the owner of account XXXX and XXXX. However, I have recently pulled my credit report and not only did I notice that Equifax did not delete both entries by XXXX XXXX and XXXX XXXX XXXX, but they have continued to supply non-factual information on my credit file attached to my social security number, stating that I have an unpaid balance of {$240.00} due to XXXX XXXX and XXXX XXXX XXXX, and is therefore, in a breach of the FDCRA. I have also requested valid proof from Equifax to supply me any information on file baring my signature, along with a copy of a contractual agreement that I had with XXXX XXXX and XXXX XXXX to pay them the amount reflecting in my credit file with Equifax, and as of this date they have also failed to supply me the valid proof as mandated by the FDCRA, therefore, this entry needs to be deleted from my credit file immediately, and I am demanding my cycle score be updated immediately!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

this account was charged off on the following date XXXX. Since then the account has repeatedly been updated as charged off every month. this is an update in the payment history. A charged off account should not include an active payment history. this inaccurate information falsely manipulates the statute of my limitations. you failed to investigate this account properly and neglect has violated my rights. i am demanding a deletion of the following acounts XXXX XXXX experian XXXX XXXX equifax
Product: Credit card or prepaid card

I have a destiny card by Genesis FS Card Services. Its a {$300.00} card. I always check the available balance before I use the card online to see how much I can spend. I did that in XXXX. No problem. I didnt use the card in XXXX cycle because it was maxed out. I paid {$40.00} on XXXX XXXX. Then it said I had {$43.00} available. I used it for {$23.00} for gas. Now the balance is {$370.00} and saying that my XXXX charges were over and they added a {$29.00} fee. Thats a scam. It shows online that you have available credit, that you apparently dont have. They let you use it. Then they come back and say oh wait its over. Heres an overdraft fee. I go off the screen thats posted below. Thats all I have to go off. If its saying I have available credit, I should have available credit. If I was over in XXXX, I shouldnt have had any available credit in XXXX after I paid the {$40.00} because Id still be over. This company is scamming people.
Product: Credit reporting or other personal consumer reports

This loan is not accurate and was done online I have asked for information on this loan and it is being reported to the credit bureau. I never gave consist to share my information.
Product: Credit reporting or other personal consumer reports

Upon careful examination of my recent credit report, I have identified discrepancies that warrant urgent attention, particularly regarding the following accounts : The companies have acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. 

I kindly request a comprehensive investigation into these accounts and expeditious communication of the findings via postal mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I anticipate receiving your response within this specified time-frame. 


XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inaccurate Negative Remarks : The negative remarks associated with this debt are inaccurate. Dept of Education has failed to provide any documented proof to substantiate these negative details. Additionally, there has been no legal correspondence or opportunity for me to defend myself against these negative entries on my credit report. This lack of evidence and due process is a direct violation of my rights under the FCRA.

Incorrect Reporting of Daily Transactions : The daily transactions being reported are inaccurate and misleading. I do not have any contractual agreement with Dept of Education that authorizes the reporting of these transactions, nor any agreement that specifies the terms of such reporting. The reporting of late payments is particularly egregious, as I have no contract that stipulates these terms, making any late payment entries invalid. 
This debt was federally XXXX XXXX XXXX, as per the official discharge order issued by XXXX XXXX XXXX XXXX Despite the discharge, XXXX, XXXX and XXXX continues to report this debt, which is in clear violation of the FCRA. This not only misrepresents my financial status but also causes undue harm to my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the XXXX previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your XXXX investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXXXXXX XXXX XXXX ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under XXXX XXXX ( a ) ( XXXX ). Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2700.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the balance of this account for years and I do not believe it has been properly investigated by Capital One. The trade-line has been removed from my XXXX and XXXX credit reports but remains on my XXXX report. I want Capital One to remove its final tradeline for the charged-off Capital One Account ending in XXXX. If not I demand that Capital One send me all of the statements from the account.
Product: Debt collection

Credence Resource Management LLC is calling me XXXX times everyday about a debt I do not owe. I have written them a letter telling them to stop all communication attempts with me to no avail. 
Their address is XXXX XXXX XXXX, XXXX, MI XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX COUNTY COLLECTIONS ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$260.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2013 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
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, 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. 16815-2 ( 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: Debt collection

Nam e of the company justice finance keeps calling my personal phone, they called me at my job and I told them to stop calling me at my job or that i was going report them again, a lady XXXX said ok ... i told them this on XX/XX/XXXX at XXXX XXXX. Today on XX/XX/2018 They called my job again and asked for me. I was not available to take the call but when i was i called them from my personal phone and told them i had told them do not call my job that they violated my request XXXX or XXXX stated they were still going to call me at my job if thats the only way they can reach me, i told her no that they just violated my request and i advised them i was going to file a complaint and they didnt care they said they were still going to call me i told them as well not to call my personal line anymore and they said they were going to cal me by all means necessary and all this was at XXXX XX/XX/2018 my job does have the recordings where they called me here at my job
Product: Credit card

Card was fraudulently used at XXXX XXXX for over {$1000.00}. Ive never even been to XXXX XXXX before. Reported it to Wells Fargo. They denied it multiple times. Ive been paying off the debt slowly and now theyve closed the card and have racking up late fees on another account I dont even have access to. This feels so scammy
Product: Mortgage

Truist was informed that a double payment of our mortgage was inadvertently made and to prevent it from being processed. They failed to prevent its being processed and as a result caused our account to be {$800.00} overdraft. Either Truist incompetence or corruption has cause us a financial catastrophe with payments to other accounts prevented due to the overdraft. I will file a formal complaint with the OCC. Contact me immediately and resolve this egregious violation of trust and the law. XX/XX/year>.
Product: Credit card or prepaid card

I was in XXXX this past month when the government issued all tourist locations closed and a stay at home edict. I cancelled all remaining tours/transportation, and hotels. One of the hotels was non-cancellable and has not responded to requests for a refund. I went to use my trip cancellation insurance associated with my Chase Sapphire Reserve Card and was told " Sorry we don't cover pandemics ''. The card charges a $ 500+ annual fee touting trip cancellation as one of there key benefits. The language in the agreement says disinclination to travel due to pandemic is not covered but this was no disinclination. It was a government edict.
Product: Mortgage

I closed on a Home Equity Loan with PNC in XXXX of 2018. I have made extra payment towards the principal using the process I was advised to use when speaking to a PNC representative. I was advised to use the online transfer method and schedule it as reoccurring. Instead of applying the payments to principal, they've been applying them to interest. I've spoken to PNC on 4 occasions in an attempt to have the payments reapplied. Each time I'm told that they will correct the error but it will take a few days. Each time I call back and the issue has not been resolved. Because they are incorrectly applying the payments, they are showing my account as past due. I've asked twice for a print out of my account transactions. Both times I've been told that they'll send it but I haven't not received it. I'd like my payments applied correctly and to confirm that they have not been reporting my account as past due to the credit bureaus.