23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, XXXX my husband and I initiated the home mortgage loan process with our local Ameris Bank by completing the online application. We were told that because of the holiday week-end, we would get a call on Tuesday, XX/XX/XXXX. 
On XX/XX/XXXX, I received a call from XXXX XXXX with Amerisave who wanted to proceed with my loan. Even though the names of the organizations were almost identical, I questioned MrXXXX XXXX at length to ensure that I should be talking to him about the loan. He told me that because our credit score exceeded 600, Ameris could not process the loan and had sold it to his company. This sounded logical and we spoke for well over an hour with me providing him personal information and even giving him {$500.00} via a debit card. He was extremely competent, professional, and affable. He sent me several emails, including his contact information. Within a short period of time, he had scheduled an appraisal of the home we intended to purchase, and had contacted my realtor to make her aware of the date of the appraisal. Shortly thereafter, I received an email from someone who told me that she would be working with me throughout the loan process. 
Later, my husband received a call from Ameris Bank to discuss our loan. When my husband told them that we were working with XXXX XXXX, they had no idea what he was talking about. Apparently, Mr. JXXXX had somehow gotten our loan information and " stolen '' the loan from Ameris against our wishes. 
To say that I am irate about this situation would be an understatement. This man totally misrepresented himself to gain our personal and private information, including my Social Security number and banking information. He was totally disingenuous to meet his own agenda, deciding that he could decide who we got our loan with. 
At this point, we have informed MrXXXX XXXX that we want nothing to do with him or his company and we are back with Ameris. When I sent him an e-mail severing our fraudulent relationship, he made a snide response " When they want your money to talk with me, let me know ''. 
I am beyond baffled by this episode, and hope this is a rouge employee, and does not represent the company or the industry. Obviously, we want our money back as soon as possible so that it can be used in our real loan. We appreciate your assistance in this matter. 
Our contact information is ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Our Loan number with AmeriSave was # XXXX Mr. XXXX 's contact information is : XXXX XXXX Loan Originator NMLS ID # XXXX XXXX Mortgage Company NMLS # XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX, Texas XXXX Phone XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX Balance : {$660.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Hi I recently was looking at my credit card. I applied for loaning me a couple accounts on there that were my score and I live in there were closed and other reasons why at the fair act and I need to eliminate Accounts thats all my report illegally According the fair act 15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681. Congressional findings and statement of purpose Current as of XX/XX/year> | Updated by XXXX XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

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

I been placed in a collection, i just know thru a credit monitor service
Product: Credit reporting or other personal consumer reports

The credit agencies that are reporting this information is using my credit report as in accurate and improper of account use I want the following account deleted
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumers Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and see appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged XXXX XXXX, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Product: Checking or savings account

This is regarding the closure of my checking account without adequate reasons. I strongly believe that the reason for the closure appears to be discriminatory and racist. 
On XX/XX/XXXX, I received a notification stating that my checking account with US Bank had been closed. However, the notification did not provide any clear reason for the closure except that in accordance with the your deposit agreement and general terms and conditions disclosure. I called customer service to inquire about the reason, but no one was able to provide me with any satisfactory explanation as to what the issue is and what went wrong. 
I have been a loyal customer of US Bank for many years and have always made timely payments on my credit card and kept my accounts in good standing. Therefore, I am shocked and dismayed by the sudden closure of my account without any explanation. 
Furthermore, I can not help but feel that the closure was based on discriminatory and racist motives. As a person of XXXX origin, I have often faced discrimination and prejudice in various aspects of my life. I strongly believe that the closure of my checking account is another instance of such discrimination. 
I request that US bank provide me with a clear and valid reason for the closure of my account. Additionally, I demand that US bank address any discriminatory practices within their organisation and take appropriate action to prevent such incidents from happening in the future. 
I hope that this matter will be addressed in a timely and appropriate manner.
Product: Debt collection

I purchased earbuds from XXXX in a credit bases online from the XXXX website. Later in a month I was decided to pay off and got to the same website but couldn't find my account details. I tried to call them no way to get in touch at all. I sent out email and nobody was returning it at all. After a months later, they sent out a bill with penalty to pay and get a phone call to pay them amount with interested, I refused to pay penalties but willing to pay the full amount in my purchase. Then they screwed up my credit and get denied my refinance application because of it. At the end I found out that they have another website which is totally diff. from XXXX. which they claim are financing to XXXX ( XXXX ) where they were expect me to pay for. To make it worst I called the number in XXXX account statement bill and they told me that it's TB Bank which create frustration and how the customer service is handling all the billing paying access difficult. I have spoken XXXX and XXXX from the customer service.
Product: Credit card

I bought a XXXX XXXX XXXX XXXX XXXX in XX/XX/2023 for {$3400.00} dollars from Diamonds international. It was purchased with a comenity bank credit card. Two days after buying it I noticed 2 Diamonds missing, so I contacted Diamonds International for a refund back to my card for the ring to be returned to them. Which after many months of going back and forth with them they refused. So I disputed the charges with comenity bank and ask them to do a charge back to Diamonds International for defective merchandise that was sold to me and comenity bank refused. They said I signed an agreement that said Diamonds International would give me store credit if I returned the ring. I have tried contacting Diamonds International to return the ring for store credit and I'm being ignored again. This has been going on for almost a year and I've not wore the ring I'm paying {$3400.00} dollars for but one time and that was in XXXX XXXX  because I'm afraid more diamonds will fall out. I notified comenity bank once again for them to do a charge back and once again they refused. I'm being ignored by Diamonds International on how to return the ring so now I don't want to return it for store credit because I don't trust neither company. I may return the ring and never see any store credit and if I did receive store credit what kind of jewerly will I receive? More junk that they are trying to fraudently pawn off on a customer just to get their money. Diamonds International is a scam to begin with. There's multiple complaints on that company online. I just wish I would have seen them before I bought my ring. Comenity bank doesn't care about their customers either. I'm very dissatisfied with both places.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX, AC # XXXX, DO:XXXX/2016, Amount {$1200.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Product: Credit card

I was targeted by a fraudulent merchant that misrepresented himself as a person in need of help. They said they were collecting money to help their sick kid. I agreed to give them {$20.00}. They said they could do this over credit card because they had a XXXX terminal. I tapped my card to the XXXX terminal. The fraudster sprinted away after I did this. It turns out they charged my card for {$500.00}. 

Chase claims that they talked to the " merchant '' ( who is not a merchant and a fraudster ) and the merchant provided proof that their charge was accurate. Obviously the merchant is able to provide " proof '' because they fraudulently charged me {$500.00} and escaped. They have an " invoice '' for {$500.00} that I did not consent to. 

Chase is requesting that I am supposed to give them documentation that I did not consent to the {$500.00} charge. This is impossible because the fraudster made me tap my card to a different number than what I had consented to. The only receipt/invoice that exists is the {$500.00}, which I don't even have, and I have not consented to. 

Chase should be able to figure out that this merchant/fraudster is not trustworthy and reverse the transaction. They are choosing the believe him over a long-standing customer who has absolutely no chance of proving his claim.
Product: Debt collection

On XX/XX/XXXX I file a complaint against XXXX XXXX XXXX with the XXXX  in regards to having no knowledge of an alleged debt in the amount of {$59.00} that XXXX XXXX XXXX IS INCORRECTLY REPORTING AGAINST MY SSN. I HAVE NO CONTRACT WITH XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX STATED THAT THE ONLY INFORMATION THEY HAVE IS MY NAME AND AN AMOUNT OF {$59.00} WHICH IS INSUFFICIENT VALIDATION. On XX/XX/XXXX XXXX XXXX XXXX received my official request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA which includes a request to cease collection and reporting until they prove the alleged debt to be valid. On XX/XX/XXXX XXXX XXXX XXXX REPORTED continues to report incorrect debt against my ssn and have refused to cease collections and reporting after receiving my request for VALIDATION WHICH IS IN VIOLATION OF THE FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

- in XX/XX/2020, I called XXXX Mortgage to notify them of my impending home sale to close on XX/XX/2020 but I had a mortgage payment due on XX/XX/2020. 
- they told me they would cancel the XX/XX/2020 auto payment and allow my Escrow to pay the full mortgage amount. 
- unfortunately, the buyers had to delay the close by XXXX week due to repairs to the septic system thus when the home finally closed, my payment was placed in delinquent status and reported onto my credit report. 

- I have called repeated times to XXXX Mortgage and have written to their XXXX department but they have rejected my pleas. 

- I was never afforded a 30 day leeway to resolve this issue. 
- I have never missed a mortgage payment in 10 years with XXXX Mortgage. 
- My XXXX XXXX plummeted and I need to get a loan to pay bills due to XXXX pandemic. PLEASE HELP!
Product: Credit card or prepaid card

On XX/XX/2022, I filed a dispute with Comenity Capital Bank, XXXX XXXX XXXX XXXX, OH XXXX, BJ 's Perks Mastercard Credit Card Accounts are issued by Comenity Capital Bank , in the amount {$1600.00}, that was posted on my credit card account # XXXX, on XX/XX/2022. The charge was from XXXX XXXX XXXXXXXX. 

However, Comenity Capital Bank, XX/XX/2022, issued a XXXX XXXX- {$1600.00}. 

XXXX XXXX  XXXX advised via email dated XX/XX/2022, and XX/XX/2022, that they DID NOT DISPUTE THE CHARGE BACK from XXXX XXXX XXXX XXXX  on XX/XX/2022, they incurred a charge back in the amount {$1600.00}. 

PDF copies of emails, Dispute Resolution Form, Cardholder Dispute Charge back and XXXX XXXX XXXX FORM. 

Here we are on XX/XX/2022, over 30 days later Comenity Capital Bank, was informed that XXXX XXXX XXXX, did not contest the charge back and where Comenity Capital Bank, failed to remove the XXXX XXXX - {$1600.00} and post it as a permanent credit.
Product: Mortgage

Truist Bank charged my HELOC account a XXXX assessment fee for insufficient funds for a monthly payment on XXXX/XXXX/XXXX. 
But this was a bank error because the monthly payment was paid on XXXX day before the payment was due. Truist Admitted this on XX/XX/XXXX when I called them. 
Truist tried to take another payment out on XX/XX/XXXX XXXX an ACH that was supposed to only be activated if the payment was not paid by the due date. 
I have called the bank on multiple occasion from XXXX and all the supervisors admitted that it was a Bank error But Truist refuses to reverse the XXXX charge. 
They told me twice that the reversal was approved But they lied, and it was denied. 
XXXX supervisors said they would get back to me and never called back. Even though they/Truist have admitted that the charging of the fee was as a result of a bank error, this statement is written in their notes and it is in their recorded phone calls multiple times, they refuse to reverse the charges. 
I called on XX/XX/XXXX and the representative said the reversal of the fee the supervisor promised me was not approved b/c there is no proof it was a bank error. This is even though the 3 supervisors before had agreed it was a bank error and the {$50.00} assessment fee should be removed. 
This fee was charged to my HELCO and is incurring interest. I filed XXXX formal complaints with the bank, and no one has called me back. 
Then I completed a survey with the detailed complaint, and on XX/XX/XXXX XXXX  from Client Survey ( XXXX ) called early Eastern AM ; when I explained the situation to her, she said she had to research and call me back BUT she never called me back. 
I have called her number back today XXXX, and XX/XX/XXXX, no one picks up the phone and there is no way to get in-touch with anyone. 
On XX/XX/XXXX I called the main number to talk to a supervisor, the representative put me on hold for 29 minutes and nothing. I have spent at least 10 hours calling and holding, and no one from Truist will get back to me or correct the error. I have advised them that b//c they refuse to correct the issue I am filing a formal complaint. 
The Bank needs to remove the XXXX wrongfully placed fee from the heloc balance, remove all associated daily interest on this fee, compensate me for the 10 plus hours I spent on the phone b//c of their error. The bank should be penalized for charging wrongful fees and interest.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. Under these provisions, any account or inquiry resulting from unauthorized access or fraudulent activity must be blocked and deleted from my credit file. 
Please ensure that the following accounts and inquiries are blocked and deleted from my credit report : ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$540.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$180.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$180.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

We took out a mortgage approximately 12 years ago under XXXX, which offered lower interest and payments. The mortgage has been sold/transferred several times and each time we were not properly notified, causing us to make payment to company we thought was still handling our mortgage. That in turn required us to track down the payment and assure it went to new mortgage service company. During one of these transfers made by XXXX. an error occurred. XXXX had not previously credit us with a payment, resulting in showing a missed/delinquent payment to our current mortgage service, Shellpoint. After many frustrating calls and conversations with various Shellpoint representatives, we were able to figure out what happened and we made arrangements to rectify XXXX 's error. That arrangement was to pay the shortfall over a 3 month period along with our regular mortgage payment. That has now been completed and we expected to go back to our regular monthly payment. However, Shellpoint has come up with some other charges we're not clear about. We can not seem to make contact with anyone at Shellpoint, who can explain this. Dealing with this company is very frustrating as they don't seem to have interdepartment communication. In addition, because of this, they have given us a negative credit report, even though we have never missed a payment. I hope you can help us get away this company and find another easier to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

hippa cra violation never late and showing inquires that are not mine sent police report enclosed are hippa and cra violation honda included with showing a late everything i sent to everyone XXXX breach has cost me my life