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

In XXXX of 2020 I paid off my Chase credit card in ( # XXXX ) full. I have not used that card since and didn't not receive any email statements so I didn't know I had a balance from some online subscriptions. At no point did Chase contact me to let me know that I had a balance and the account went past due with fees ( nor was anything posted online ). Although the statement was posted online, there was no email notification as typically is done. The account continued to be past due ( with no knowledge of myself XXXX and they called me today that my account was 60 days past due. I called and made arrangements to pay off the account in full again, but the damage had already been done to my credit. I have never made a late payment in the 4 years i've been with them. I paid off my balances in full. They will not act in goodwill and remove the reporting, even though I was not notified. 

Furthermore, I went to the XXXX  website and it says creditors can remove credit reporting. Chase said that is not true and there's nothing they can do. This information is include on all credit reporting websites though. I feel like the lack of notification ( even though they say it went through on their end ) is not correct and they have ruined my credit.
Product: Credit card

There were XXXX unauthorized charges to Discover Card. Clicked in DIscover website that these were unauthorized charges. Discover initially gave temporary credit, but then reposted the charges. Discover has not requested any additional information or mailed any documents. ( However there is no additional information since these are unauthorized. ) Tried contacting the merchants but XXXX only allows you to dispute charges made on your own XXXX profile. They recommend disputing directly with your credit card for unauthorized transactions. 

XXXX : XXXX XXXX and provided details of unauthorized charges. Requested additional information from XXXX including the shipping address. Have yet to hear any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I applied for a car loan with Pentagon Federal Credit Union. They did three inquiries on the credit bureaus for the same application. Such inquiries are decreasing my credit scores with all three bureaus. I have done disputes, but none of the bureaus have been able to fix it.
Product: Credit card

goldman sachs has continuously denied my application without providing sufficient reason why application is denied. My application was denied countless times - apple and goldman sachs do not help or provide any information. 
info given to me is : We are unable to verify your identification information they also says to Ensure your personal information ( legal name, SSN, birth date ) is accurate and matches your ID, if provided If you were asked to verify your ID with your Driver 's license or State-issued Photo ID, make sure : You are capturing the image clearly You position your Driver 's license or State-issued Photo ID in the frame, place it on a dark surface, and make sure lighting is adequate with no glare Your ID hasn't expired I have complied with all requirements. All information is correct. 
Please review and help opening my account
Product: Money transfer, virtual currency, or money service

On XX/XX/2018, I was contacted by a seller claiming he was renting out a studio apartment in XXXX. He even had a picture of his driver 's license with the address in XXXX XXXX which, in retrospect, was likely a picture from another possible victim. Over the next 10 days I corresponded with him over email and text messages to finalize the rent. I paid via the XXXX XXXX app, XXXX XXXX, and XXXX Messenger pay. Unfortunately when the time came, he claimed he couldn't send the keys to the apartment and the leasing documents. When I confronted him, he called me a variety of names and later on admitted to scamming me due to poverty. 
I contacted my bank, PNC, immediately after and filed disputes for every transaction. Since it's based on the east coast from when I attended university, I was unable to visit any branches. The fraud investigation department took 3 months to get back to me and said they were completely unable to do anything. However, I specified that it was a scam and that I had indeed authorized the transaction, so it wasn't an issue of someone else taking my card number. Yet these transactions weren't able to be reversed. The only company that did anything to help me was XXXX, who reversed my transactions in XX/XX/XXXX immediately after listening to me describe what happened. Unfortunately since only 20 % of my payments were made through XXXX XXXX as the seller preferred the other methods, I still have {$5900.00} left to recover.
Product: Debt collection

Im submitting this complaint because I have no idea with this collection is coming from I believe Im a victim of identity theft.
Product: Mortgage

I applied for a hamp loan approximately 4 years ago have gone thru over XXXX different loan officers and have been told that i qualified for loan only to be changed to another person. What i have gone thru is so unbeliveable that i was directed to go public and they gave me your email plus another to see if you can investigate because i have no were else to turn, I have done everything they asked over and over just to end up losing my house i have been in for XXXX years due to there mistakes and there is nobody to hold them accountable. i have put out large sums of money and have all the paperwork to back up everything that i have had to endure thru this nightmare.
Product: Money transfer, virtual currency, or money service

I have been trying to get my money back from binance.us/en/home for over a week. They took deposits from my checking account but after I have followed their instructions they refuse to link my XXXX account so I can withdraw my us dollars from binance.us account back into my checking account through their ach. THEY ARE STEALING MY MONEY. PLEASE HELP.
Product: Mortgage

I've contacted Penny Mortgage four times about collecting an auto payment from me a month in advance. My mortgage was due XXXX XXXX and they took the payment on XXXX XXXX which was already prepaid. I called to ask for a refund since my home was in the process of closing and they should not have taken it since nothing was due. I called on XX/XX/XXXX and was advised I should revive a direct deposit to my account within a few days. Those days past and I called again. I called again and the representative told me it was going to take 10 business days ( which is XXXX. ) I called again on XXXX XXXX and was told that a supervisor told her that I should receive it by XX/XX/XXXX. Today, I'm on hold with another supervisor ( XXXX ). My home is supposed to close today and this horrible. This is the worst Mortgage company known to man. Their customer service is horrible and clearly answers change day by day/hour by hour depending on whom you speak with.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I sent a copy of the FTC report, it took some time for it to be clarified that the credit bureaus are not obstructing records. I'm sending my complaint in order to help with organizing a legal response because regulation 605b of the FCRA mandates it. If you choose not to prevent the following items, which are listed below, and are responding falsely as a result of fraud. What needs to be deleted from my file is listed below : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$620.00} ; XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I trust this message finds you well. I am writing to you with a matter of utmost importance, pertaining to the accuracy and integrity of my credit report as governed by relevant provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Over a persistent duration of time, I have made continuous efforts to communicate with your esteemed organization in order to rectify several discrepancies present on my XXXX credit report. Despite numerous attempts to have these issues resolved, it has come to my attention that these inaccuracies have not been adequately addressed. This persistent disregard for the accuracy of my credit report poses not only a significant inconvenience but also has far-reaching implications for my financial standing. 

First and foremost, the incorrect listing of an address, " XXXX XXXX XXXX XXXX, NY XXXX, '' which lacks an apartment number, is a blatant error that contravenes the FCRA 's stipulation that credit reporting agencies must ensure the precision of the information they maintain. This discrepancy is not only factually incorrect but also has the potential to introduce confusion and misalignment in my credit history, as it intertwines my financial records with individuals who may share this address. I urge you to promptly remove this erroneous entry from my credit profile. 

Furthermore, I have observed a recurring issue with the handling of my name on the credit report. My legal name is " XXXX XXXX XXXX XXXX, '' According to the FCRA, credit reporting agencies are obligated to maintain accurate information regarding consumers, and this includes the proper representation of their names. Instead of simply removing inaccurate names from my profile, your organization has opted to make adjustments by creating variations of my name, which has resulted in an unwarranted proliferation of names on my credit profile. This goes against the spirit of the FCRA, which advocates for the dissemination of accurate, relevant, and fair information. 

I hereby request that you expeditiously take the necessary steps to remove the following erroneous and misleading name entries from my credit profile : XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA and FACTA mandate the swift resolution of discrepancies in consumer credit reports, and I trust that your organization will adhere to these legal obligations by removing the aforementioned inaccuracies without further delay. 

I implore you to address these concerns promptly and rectify the inaccuracies in my credit report in accordance with the law. Failure to do so may necessitate further legal action to ensure compliance with the FCRA and FACTA. 

I appreciate your immediate attention to this matter and look forward to receiving confirmation of the corrective actions taken to restore the accuracy of my credit report. 

Yours sincerely, [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX # XXXX ] [ XXXX, NY, XXXX ] [ XXXX ] [ XXXX ]
Product: Credit reporting or other personal consumer reports

I appreciate the attention given to rectifying the fraudulent entries within my file resulting from alleged illicit activities. However, notwithstanding your efforts, there remain outstanding items necessitating removal. This communication marks my secondary attempt to address the repercussions of fraudulent activity, seeking to dispute specific entries stemming from said criminal conduct. The disputed items do not correlate with any legitimate transactions or authorized actions on my part, pertaining to the acquisition of goods, services, or financial assets. Regarding the entries within my credit file attributed to the alleged fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$560.00}. These aforementioned entries are entirely unfamiliar to me. Furthermore, discrepancies exist in the information provided, with instances of data deletion by other bureaus, casting doubt upon their accuracy. The reported payment histories of certain accounts remain shrouded in mystery. Pursuant to FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, I am within my rights to request the removal of such questionable entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax sent responded saying they contacted XXXXXXXX XXXX and I contacted them requesting proof of my signature, advised them of my identity being stolen and they stated on XX/XX/2022, they didnt have any information and to contact someone else. They couldnt provide me I and they do not have an account that they are servicing in my name so it should be removed immediately!
Product: Credit card

I have a US Bank CashPlus visa credit card which explicitly advertised XXXX % cashback on Department Stores. They even list XXXX as a merchant. I have with success purchased at XXXX online and received XXXX % in the past, but all of a sudden last quarter my {$2000.00} quarterly online purchase at XXXX, where I went to XXXX, checked out at XXXX, only received XXXX % cashback. They claimed it coded as " business purchases '' and would only receive XXXX % cashback. This seems like the height of bait and switch, to open list a very well known department store in the list of accepted merchants and yet claim purchases directly from that merchant 's own website somehow does not get XXXX % cash back. And to not even do the courtesy of a manual credit is false advertising.
Product: Mortgage

Freedom mortgage is my mortgage company and they state that I am behind on my payment. I have proof that I paid XXXX for the YTD and their statement shows that i paid XXXX YTD witch is XXXX unpaid to the mortgage company. 

I have called XXXX times and got XXXX different answers the XXXX person i talked to told me its because i didn't make a full payment and i was XXXX dollars short back in XXXX so paid the XXXX dollar 's thinking ok so now it should be up to date. The XXXX person i called told me i didn't pay XXXX so I went over my bank statements and i paid XXXX so i called them back and they told me I didn't pay XXXX payment. I told her I've got the bank statements to prove I've never missed a payment, so I sent them all XXXX statements from 2023. After that I received a 12 month statement from the Freedom Mortgage showing that XXXX payment was never received. So i called them back XXXX to try and figure out what is going on and they tell me XXXX is paid. so I requested a supervisor to talk to and I was on hold for XXXX mins and someone answers the phone and hangs it up on me. 

I can't get a straight answer from anyone there! Meanwhile I am being charged {$45.00} late charges twice a month and they are putting late/missed payments on my credit.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

We financed buying a car through Bridgecrest. After purchasing the car and wanting a few more details regarding pay off information and not getting the information from Bridgecrest. We decided to refinance through our credit union. The credit union sent 2 checks to Bridgecrest. Both were cashed on the same day in XX/XX/2022 only one was credited to our acct. I have been reaching out to Bridgecrest for over a month and a few weeks ago was told by the rep that this is not their problem. They cant find the check and to contact our bank. I contacted our bank who sent copies of the cashed checks. I asked Bridgecrest to give me an email to send them copies of the check and they said they do not accept copies of checks. Our bank called Bridgecrest and got nowhere. Our bank contacted their bank and offered to do a conference call between them, bridgecrest and me. Again, Bridgecrest declined. I spent 5 days this week calling and fighting with everyone I could who would listen to me at Bridgecrest. I finally got through to one person in the Resolution dept who listened and asked me to send the copies of the checks. I called back yesterday and was told they found the check that they had cashed. And they would credit my acct. as soon as this was verified. I was told to call back today at XXXX and told to ask for XXXX. I called back and was given the run around that he was unavailable to assist me today and would call me back within XXXX business hours. I teach and explained it is hard for me to get phone calls during school hours. Their reply was again he would call me back within XXXX business hours and that is all they can do for me. She did say the check should be credited to our acct in XXXX XXXX business days. I asked why so long since they have already cashed the check in middle of XXXX and I asked why this is almost impossible for me to get a garantee that my money will be credited to my acct which I will be owed a check for the credit that is owed to me. Her reply was it should be in my acct in XXXX business days. I said should does not mean it will. She said true that it might not be. I asked to talk to someone else she said not possible everyone is busy. I volunteered to hold till someone could answer my questions better. Basically they made money from the interest of a check they cashed hoping I wouldnt ask about it and now I am being told it should be deposited into my acct. This is unacceptable for a loan business. This should not have taken me a month of fighting with the company and being told many times it is not their problem to get my money that is owed to me credited to my account and a refund check issued. Because in the mean time after they lost my check and told me it was t their problem they auto withdrew the monthly money out of my bank acct. which is what the second check was for. I dont understand how they could lose money that they cashed and I had to spend a month fighting for it to be found. They didnt care and I honestly got the impression that if I didnt fight for it they would have just kept the money and not cared.
Product: Debt collection

XXXX XXXX the company listed the debt twice on my XXXX credit report. Then tried to call and say they was with the FTC and or I would be turned over to the police for not paying the debt. 

See Credit Report Collections Field.
Product: Mortgage

Owned home since XX/XX/XXXX ; mortgage has been sold/merged many times in 17 yrs ; 1.75 % was added to prime rate on my ARM ( right before closing in XXXX XXXX -- illegal, but I can't do anything about it now -- statute time has passed )... so then -- Last year, tried refinance but couldn't [ income / tax returns too low, etc. ] ; opted to call my current mortgage company, PHH/XXXX, whom said I could pay {$5000.00} or more and have my payment lowered -- via re-amortization; sent {$6500.00} lump sum, in order to lower my payment ( my payment was $ XXXX jumping to $ XXXX!! ) since the payment resets every XX/XX/XXXX. However the re-amortized payment was $ XXXX -- which was still too high/not easily reachable ( I'd lost the VA XXXX XXXX in XX/XX/XXXX XXXX well as my son 's $ XXXX rent/month in XX/XX/XXXX because he moved to WA ) ; rejected that payment ( still too high ) -- and asked for a loan modification/temporary modification of some sort ( I knew what kind of options they have, and I qualify ). Applied in XX/XX/XXXX ; they asked for additional details ; submit and re-submit all sorts of information and details for months since XX/XX/XXXX! -- when I knew my income had changed/was reduced back in XX/XX/XXXX! They've asked me give details and reapply into XX/XX/XXXX, and send letters out which take 5-10 days to reach me -- leaving me very little time to respond in time. My last full application was XX/XX/XXXX, which they accepted as 'complete ' -- however, they said 30 days or less for a decision, which would've been XX/XX/XXXX... more conference calls, etc., and its now XX/XX/XXXX. I've gotten conflicting letters and a conference call EVERY month -- not the Relationship Manager assigned to me ( I actually reached her once -- back XX/XX/XXXX ), but all conversations and all correspondence ( s ) have been as though they don't know what they're doing ( cross purposes ) AND, their final 'determination ' was that I have the ability to pay even though my 'assets ' have not been looked at properly! WHAT are the underwriters looking at??? -- the assets they ask for ( on application ) are not liquid!! AND they're denying a/ any -- modification. I sent information to them via the e-mail addresses they provided ( all this time, as I started with FACSIMILES back in XX/XX/XXXX, but they said they couldn't 'read ' them or they weren't 'clear ', etc. ) ; sent everything AGAIN on APPEAL by XX/XX/XXXX and XX/XX/XXXX deadline ; but alas they've pulled me along for so long, that I have become less capable of that mortgage payment -- have not paid XXXX or XX/XX/XXXX. XXXX is upon us -- I feel as though they've dragged me for months -- not really evaluating my liquidity/ability to pay -- my only income is $ XXXX. Their practices seem unfair or unsavory ; it seems they want to keep my home ( for gain ) ...!?!?!? ... as in short sale or deed in lieu, etc. They need to handle customers ' requests/credit -- much more carefully. My mortgage was paid every month on time for years!!
Product: Payday loan, title loan, personal loan, or advance loan

am submitting a letter of goodwill since due to personal financial problems I fell behind on some payments and they were reported to the XXXXXXXX credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$64000.00} ; XXXX XXXX XXXXXXXX Balance : {$370000.00} ; XXXX XXXX XXXXXXXX Balance : -.
Product: Credit reporting or other personal consumer reports

Creditor failed to validate debt. Through the Fair and Accurate Credit Transactions ( FACT Act ), Congress amended the FCRA to, among other purposes, restrict creditors ability to obtain or use medical information in connection with debt collection.