23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX XXXX and in XX/XX/2019 I was interested in a property and I contacted by the realtor who could help through the process obtaining this property. I was directed to the XXXX XXXX XXXX in XXXX XXXX Arkansas to assist me in the process of financial assistance of getting this property. She asked me turned all the documentation and in hope that I would qualify a loan through this lender. As XXXX was approaching I made it my business to turn in all the documentation for this property so an offer can be made. Since the property had been vacant little over a year and no other persons had made any movement toward the property I was sure that I would have no issues in finalizing me getting into this property. This would not be the case several week turned into what is now XXXX and heard nothing from any party about the home or was there movement from the Mortgage Company about any request that was in getting the property in question. On XX/XX/2019 with no real concern in a group text just casual stated an offer has been made on the property who you like me to help you get into another home. I never thought this would be the issue, but here I am faced with the real situation why did you not help me obtain this home? Several months passed and not a single person contacted me to help me in the home buy process. The Same owner has another property near each other and the family moved in within a XXXX weeks and I am or was still waiting for assistance. I simply do not want to believe the pigment of my skin was the bias for this company not assisting me in the process of getting in this home. I would hate for that to the issue in 2019
Product: Credit card or prepaid card

The billing and FCRA practices of XXXX XXXX ( XXXX ) need to be investigated as they are deceptive and deeply flawed. I rarely use my XXXX card issued by XXXX XXXX but I did use it late last year because of a special sale discount that required that I use it. However, I never received a bill and it slipped my mind. Nor did I receive an email, text or call. I finally got a phone call from XXXX stating that I was late on my bill. I explained that I had never received a statement. They told me that they would put a statement in the mail to me. I received this statement on XX/XX/XXXX. When I noticed a late fee, I called XXXX and explained what had happened. They told me I had signed up for electronic statements in XXXX but I discontinued e-bills years ago. Finally, they offered to waive two late charges totaling {$64.00}. But as a condition they required me to pay my balance immediately using either a debit card over the phone or by giving them my checking account information. This is not a safe thing for a consumer to do. I told them I would gladly pay by credit card, XXXX or XXXX which they refused. After giving up on the payment, I told them I would just pay the full balance but to make sure my credit report was not impacted by this. I was told derogatory credit would be reported unless I disputed with the credit reporting agencies. I told them I wanted to dispute directly with XXXX. At first they told me they could not accept direct disputes but after I told them they were required to accept a direct dispute by the FCRA, they finally gave me XXXX 's credit bureau dispute mailing address. What a horrible experience from a bank that operates on the edge of legal compliance and customer fairness. XXXX should fire this company! We would all be better off without XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint as a victim of identity theft due to the Equifax data breach, which exposed my sensitive personal information. As a result, fraudulent accounts have been opened in my name, causing harm to my credit profile. 

Despite legal findings and my repeated requests, Equifax continues to neglect its obligations under the law. I request the cfpbs assistance in removing the information that does not belong to me!
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 ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX FIN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX XXXX XXXX and his girlfriend XXXX used my date of birth and social security number with a false name to obtain a vehicle for his girlfriend. My name has never been XXXX XXXX which is name they used pretending to be his wife. The vehicle purchase was made in Georgia where I have never lived but they did on XXXX  XXXX XXXX in XXXX paperwork for his lease submitted to the creditor. I have never owned a XXXX never needed a car loan as purchased a new car and truck in XXXX and paid cash for it. I still have both of those vehicles vehicle today. They recovered the vehicle ( XXXX ) because I reported it as fraud to the creditor and car dealer. The vehicle was recovered from XXXX in XXXX FL not from me as I have never lived in XXXX FL. I live in XXXX FL since XX/XX/XXXX with my fianc who can verify that everything I have been disputing is fact. They changed the name on the loan to match mine when I disputed on the creditor reports. XXXX XXXX already wrote them an affidavit, as instructed by the Court, and sent to XXXX XXXX stating that he and XXXX committed the fraud. I was given a copy of this affidavit and sent to XXXX XXXX as well. I made out police reports against them and the car dealership in Georgia, in both XXXX and XXXX for Identity theft. Notified all State and U.S. Attorneys, have cooperated fully and agreed to assist in prosecution. The more I dispute this fraud, the more the company harasses and comes after me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a title loan XXXX I paid on it for about a yr {$200.00} XXXX, then my financial situation changed. The original amout was $ XXXX and after there check cashing fee I received {$1800.00}. 
The rate in my opinion was usary over 150 %. I made a few payment arrangements but ultimately could not afford to pay any longer. They agreed to sell the vehicle and settle the account for auction proceeds. At that time they had reduced it to {$1500.00} - I agreed to this and voluntarily surrendered the vehicle- which they sold at auction. It should report as settled for less or paid in full. Either way it is reporting incorrectly and I am getting harrassing letters and unable to obtain desirerable credit terms do to this reporting a very large balance ( {$8500.00} ) that continues to grow. This is predatory for sure. I have disputed this several times with the credit bureau and the company. this was a XXXX XXXX XXXX XXXX ( which would easily retail for $ XXXX at the time ). the agreement was that they would settle for auction proceeds. Even so, the sale of this vehicle would have easily covered any remaining balance. They claimed a deficiency balance and continue to charge absobant rates even though I no longer have the vehicle and they successfully sold it at auction. I am requesting that they either remove the item from my credit or report it as settled. I would think it not customary to pursue deficiency ballances that are absorbant and nothing near the original balance- this is hurting my credit and continues to cause me problems when applying for transportation or housing. Please intervene and have them report this as {$0.00} balance and settled or remove it completely - I appreciate your help in this matter as they are bullying me for monies that are simply not due. The companies name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX. XXXX I will provide you with any info necesary in getting this resolved - Thank You
Product: Debt collection

I called to tell these people that this is NOT the right number. I do NOT owe anyone money. The first time no one would answer the phone. The next day, the XXXX lady hung up on me before she even got the number to look the account up. I called back multiple times before anyone would even answer the phone. The XXXX lady answered and before I could speak hung up. I repeatedly called back from XXXX different numbers and no one would answer for quite a while. Finally, I got someone to answer and she said she would look into it but did n't get any information to be able to locate anyone until I stopped her and gave it to her. She did give me the name associated with MY number but I have NEVER heard of this person.
Product: Checking or savings account

CapitalOne Bill Pay is set up so that when the check is cut by the bank the money is automatically debited from the checking account. ( Please note, this is not an electronic transfer- Capital One cut a check and mailed it ). In other words, the bank does not wait until the check is actually cashed to debit the account. As a result, when viewing one 's account on-line, the account holder sees that money has left the account, but has no way to verify that the check has actually been received or cashed. 

On XX/XX/24, I processed a bill-pay request through Capital One to pay XXXX 's {$68.00}. On that date, Capital One debited my account for the amount requested and supposedly mailed a check to XXXX 's ( although the bank was unable to provide me a copy of the check or an exact date on which it was mailed ). On XX/XX/24, I was contacted by XXXX 's who stated that my payment was late. Again, my bank statement showed that the {$68.00} was debited from my account, however XXXX 's never received the check. As a result of Capital One 's policy of debiting accounts PRIOR to checks actually being cashed, I had now way of confirming whether or not XXXX XXXX had received payment until the payment was deemed late. And as a result of that, I incurred a {$32.00} late fee and am a past-due customer, which may impact my credit score in the future.

Capital One 's bill-pay service policy of debiting account prior to check 's actually being cashed is flawed. First the company is potentially using my funds for a float period ( time that it isn't earning interest by staying in my account ). Second, had the merchant not contacted me about not receiving payment ( in over 30-days ), I'm not sure when/if Capital One would have deposited the money back into my account. The bank did return the funds to my account when I requested they do so on XX/XX/24. 

While I've verbally been told by Capital One 's customer service representative that the bank will cover the late fees and interest, my claims against the bank were denied, as they stated in writing that the check was sent in accordance with the mailing instructions. I'm not challenging that the check was sent ( although Cap One could not provide me with proof it was mailed or the date it was actually mailed ). My complaint/concern is that Capital One debited my account prior to the check actually being cashed. As a result of this process, it is impossible for the account holder to confirm when or if a check mailed by Cap One 's bill pay, has actually cashed. In addition to the financial harm this process may cause ( with late fees/interest ), it also may impact the account holders credit score.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have rights to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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

i had my victoria secret account snce XXXX and when covid hit they placed me an a hardship program and they said i did it i didnt they investigated said it was there fault XX/XX/XXXX came around they closed my account no late payments paid my bill monthly they closed my account and said reapply once they messed up my account how can i reapply with the closing of the account with comenity bank XXXX and victoria secret how could i that is so wrong you guys need to get it together they said they can close it if they want they dont need a reason I HAVE BEEN XXXX BY COMENITY BANK
Product: Money transfer, virtual currency, or money service

Ive sent XXXX to someone that never received it. I called the bank to make a complaint. And they told me there was nothing they can do about it.
Product: Debt collection

XXXX sold Jefferson my information and Jefferson reported this every month like a new account. They are aggressively demolishing my credit that XXXX bill was old by my ex-wife cause I had no clue a XXXX bill ever existed. When I did call Jefferson to dispute this I was giving another number to another company they are selling my information without my consent. I do have rights against that selling my information like social security number put me at great risk for fraud I don't owe this debt and I'm not responsible for this debt and I don't have a contract or signed any paperwork for this debt with Jefferson or the people they sold it my information too. Legal action will be taken if this debt that don't belong to me not taken off my credit report selling my information without my consent is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has allowed XXXX XXXX XXXX to deceitfully report this entry on my credit reports each month as if they have just begun reporting ( see attached credit reports ). Each month the previous month 's history is not reflecting ; hence, giving the perception that the account entry was just recently added. THIS IS DECEIT AT ITS FINEST. This account is erroneous in nature as I never signed a contract with this company, yet they say I had terms of 1 month with them. Additionally, I was never informed nor received any communication from this company prior to them inserting it on my credit reports. XXXX does not report any payment history on XXXX and XXXX  as well as cite a totally different open date among the 3 bureaus. Lastly, if this company can falsely report the entry each month on XXXX as if it was just reported and blatantly omit the other previous history since they are claiming/alleging a debt was owed since 2016, as well as the mere fact that their claim lacks veracity. What documents provide my original signature and reflect where I agreed to pay the alleged debt to them? Where is a copy of the financial responsibility page if this is truly my medical debt as reflected on my credit report? 

This entry should be deleted immediately as XXXX and XXXX as well as XXXX  and XXXX are violating my consumer rights.
Product: Credit reporting

An account was disputed and removed In XX/XX/2017. it was reinsrted in XX/XX/2017. I do not owe XXXX, XXXX has not supplied any validation of amount owed.
Product: Checking or savings account

I have been trying for 10 days to transfer XXXX from my PNC ( Growth ) savings account to my XXXX with XXXXXXXX XXXX. I am continually obstructed from transferring the money in the name of " my protection. '' I First, PNC required that I " verify '' the external account ( even though they have you double check the routing and account numbers you're using ). This entailed PNC depositing XXXX small amounts and then withdrawing them and asking you to confirm what they were. This took XXXX days for PNC to do. 

Then, after I verified the account, the system informed me I was only allowed to transfer XXXX per day and a maximum of XXXX per month, because I had not been using that external account for at least 6 months. I was trying to get some money in the account so that I could start earning interest, so I tried making a XXXX transfer. Upon submission, I was told that my account was on hold and I had to call in to PNC to remove the hold so the transfer could go through. 

I spent XXXX mins on the phone with PNC to get the hold removed. I also relayed that I was not happy with the arbitrary transfer limitations and asked them to fix it, and they said they would submit a case to have it fixed. I would have been satisfied to have that resolution, had problems not continued to occur. 

After the call, I went to schedule another XXXX transfer for the following business day, and upon submitting it, the system informed me that both requesting transfers, including the XXXX for which I had just had a hold removed, were on hold, and would be rejected if I didn't call back. 

I called back and spent hours trying to get to the route of the problem, transferred back and forth between XXXX different people, and finally was told that someone would be giving me a call back to handle it. 

I received a call 3 days later from XXXX XXXX who, after another half hour, eventually determined the best way to move forward was to raise the external transfer limit and told me she'd need to have someone else do that. That took another 2 days. 

XXXX called me back today and said my external transfer limit was raised to XXXX daily, XXXX per month and so I should now be able to go in, transfer most of it today, and then transfer the rest tomorrow. I thanked her for finally getting a resolution ( or so I thought ) for me and ended the call. 

When I went to make the transfer, the system informed me that I had not only both of my earlier transactions held AND rejected, but my external bank ( the one I had verified ) was now on hold and I am not currently allowed to send transfers. 

I tried calling PNC one more time, although now the story is that they can't remove holds on my account, even though my name is on the account and XXXX other people helped me no problem, XXXX, a supervisor, insisted I need to sign up for something else first.
Product: Mortgage

the RIGTHPATH SERVICING company does not accept the modification made previously and that is registered in the county. why i need an explanation
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report from XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Fraudulent Names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX, Unverifiable Addresses : XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and Erroneous Accounts : XXXX XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance {$840.00}, XXXX XXXX XXXX Balance {$920.00}, and XXXX XXXX XXXX XXXX Balance {$20000.00} on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by 3 Credit Bureaus not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I have made several attempts to have unauthorized and unverified inquiries removed from my credit report. I reached out to XXXX and TransUnion by phone and was given the run around each time and was not assisted in submitting the disputes or commencing investigations on inquiries that were not carried out by me. such inquiries are ; XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX TransUnion XXXX XXXX inquiry date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent Equifax certified mail via USPS which included a police report of my name, ssn #, address was being used on the dark web by someone else. It was delivered on XX/XX/XXXX according to USPS. 
On XX/XX/2022 I contacted Equifax to follow up with my concerns to delete these XXXX inquiries XXXX XXXX XXXX  from my credit report. I spoke with a representative XXXX XXXX and he denied that Equifax never received my certified mail which was false! I will provide attached documents of the certified mail. I have never applied or have any affiliation or any open accounts with XXXX XXXX XXXX. I have also contacted XXXX XXXX XXXX  to provide verification and signatures that these XXXX inquiries belong to me? Its been over 60 days and no response from XXXX XXXX XXXX. I am asking kindly to delete these XXXX XXXX XXXX XXXX  inquiries from my credit report immediately or legal action will be considered to have them removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  THIS IS GOING TO LAND YOU IN A COURT OF LAW TO EXPLAIN TO A JUDGE AND JURY. KEEP IN MIND OTHER PEOPLE SIT IN THE COURT ROOM LISTENING TO CASES AND MAY BE YOUR CUSTOMERS! THEY MAY ALSO HAVE PROBLEMS ON THEIR CREDIT THAT THEY'VE BEEN UNABLE TO GET FIXED THROUGH THE BUREAUS, THAT THEY ARE RIGHT ON, AS AM I ABOUT THIS, THAT CONTINGENT UPON THE OUTCOME WILL ENCOURAGE THEM TO FIGHT BACK TOO. IS THAT REALLY WHERE WE WANT TO TAKE THIS???? REVIEW THE LETTER YOU SENT WITH MY COMMENTS ON IT, AS WELL AS THE ATTACHMENTS FOR EXPERIAN AND XXXX! EXPERIAN USUALLY ADDS AN EXPIRATION DATE AS TO WHEN THE ACCOUNT WILL FALL OFF. I'VE ALREADY ADDRESSED THIS WITH THEM AND THEY'VE FAILED TO RESPOND, XXXX HAS FAILED TO SHOW THIS ACCOUNT AS " CLOSED '', DELETE THE INACCURATE 2 YEAR PAYMENT HISTORY THEY'RE SHOWING FOR A " CLOSED '' ACCOUNT, AND REFLECT ACCURATE PAY OFF AND LAST REPORTED DATES. THIS ACCOUNT WAS PAID OFF AND WAS NEGATIVE IN XX/XX/XXXX NOT XX/XX/XXXX!!!! GET A XXXX GRIP!!!!! IF YOU CAN'T READ A CREDIT REPORT YOU SHOULDN'T BE WORKING IN A CREDIT BASED BUSINESS!! YOU WILL NOT LEAVE INCORRECT INFORMATION ON MY REPORT AND EXPECT ME TO GO AWAY. I'M NOT GOING TO GO AWAY AND WILL FIGHT YOU TOOTH AND NAIL!!!!