23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

originally i had a loan with affirm but was unable to make a payment before it was charged off to another company called true accord XX/XX/XXXX. The problem with this is the loan was for {$1700.00} but the company it was charged off to said it was {$1900.00}. The company true accord tried several times to help dispute the amount but Affirm never answered. a loan verification was sent out, multiple phone calls were made and nothing. the company true accord sent an email XX/XX/XXXX saying the loan was no longer in there system because it was sent back to XXXX. ive spoken to many supervisors at affirm and have gotten told if receive an email with updates and never once have i received XXXX. the only emails ive ever gotten was that my call requests have been resolved. ive told them multiple times that i have the loan amount of {$1700.00} just sitting in a bank account and that if i could just pay it off already as it is showing on my credit report as deliquent. its XX/XX/XXXX and i still havent heard anything and im afraid my loan is just stuck in limbo and at this point its been so long and so frustrating just to pay that i shouldnt have to pay it at all. incredibly disappointing as i have the money i want to pay and ive always had good credit so for something like this to ruin it would be just sad.
Product: Credit reporting or other personal consumer reports

My personal information is inaccurate I have multiple names, addresses, and phone number that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lease with Ally Financial. On XX/XX/2021, I got a late payment because I had contracted XXXX and I was in the hospital for more then a month. I was fighting XXXX for my life, if I didn't contract the XXXX, I would never get a late payment in my life. The lender doesn't want to be understanding and work it out. They told me it was late and and I can't change that even though I had no way to pay it off on time while hospitalized.
Product: Checking or savings account

Chime Bank closed down my account on XX/XX/XXXX, without any valid reason, with my funds in it. XXXX XXXX XXXX dollars! I sent in all the required documents that was asked of me and they still closed it down. With no reply to my emails, even went as far as not even letting me call ( blocked my number )!
Product: Mortgage

I have provided a brief summary below. See attached for a detailed timeline of events. 


In XXXX XXXX XXXX after having a purchase offer for a new home accepted, I began comparison shopping for mortgage lenders. On XX/XX/XXXX, after receiving a loan estimate from a loan officer at Better Mortgage, I informed the loan officer that I would be using Better Mortgage as my lender. For the next several weeks, Better Mortgage continuously stated that everything was going as planned, only to back out of the loan on the day that the loan closing disclosure documents needed to be provided in order to close the loan on time. Better Mortgage informed me that they were choosing not to fund the loan at this time because the closing date was more than 90 days before I was scheduled to start a new job. Throughout the process, I was honest and forthcoming with my employment situation and specifically explained it to a loan officer on XX/XX/XXXX. 


I was employed at Job 1 [ employer name withheld ] and living and working in XXXX XXXX   when I applied for the loan, but had accepted a job offer at Job 2 [  employer name withheld ] in XXXX when I applied for the mortgage. The start date for Job 2 is XX/XX/2019. The home we were purchasing is in XXXX. I was working at Job 1 at the scheduled close date and for several months afterward ( until at least XX/XX/XXXX ). There was no lapse in employment between Job 1 and Job 2. Each job pays a salary well in excess of what I needed to qualify for the mortgage. 


While it is obviously within Better Mortgages rights to reject an application, they chose to wait until the eleventh hour to inform me of their unwillingness to fund my mortgage. It is unclear whether this was due to intentional misrepresentation or gross incompetence. I believe that Better Mortgage may have been in violation of Title 12,  Section 1014.3 ( q ), which prohibits a lender from making a material misrepresentation concerning the consumer 's ability or likelihood to obtain any mortgage credit product or term On Sunday, XX/XX/XXXX, after it became clear that Better Mortgage would not fund the loan for several more weeks, I followed the advice of my realtor and began working with XXXX XXXX. The lending officer at XXXX sent me the closing disclosure documents for a XXXX XXXX-conforming mortgage on XX/XX/XXXX, while my start date for my new job was over 90 days away. There were no date restrictions on the disclosure document, and the loan closed on XX/XX/XXXX. When I chose to use XXXX XXXX, I was under a major time crunch because I did not want the sellers to back out of the sale. As a result, I was unable to comparison shop and was forced to accept a higher interest rate and higher closing costs.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) 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 limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following XXXX XXXX
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to express my deep frustration and dissatisfaction with the ongoing challenges I am facing in removing inaccurate items from my credit file, despite numerous attempts to delete this issue. 
I have diligently reported and disputed inaccuracies on my credit file with 3 Credit Bureaus. Regrettably, despite my persistent efforts, these inaccurate entries persist, negatively affecting my creditworthiness and causing significant stress. 

I have submitted detailed disputes on the following dates. Each time, I provided supporting documentation and clarification to rectify the inaccuracies. However, to my dismay, the deletions have not been implemented, and the inaccuracies continue to tarnish my credit history. 

I understand the importance of accuracy in credit reporting and the need for a thorough investigation. However, the prolonged presence of these inaccuracies is both perplexing and damaging to my financial well-being. 

I urge you to escalate this matter and conduct a comprehensive review of the inaccuracies on my credit file. I have made consistent efforts to provide the necessary information for a thorough investigation, and I believe a prompt resolution is crucial. 

It is my expectation that Credit Bureaus takes immediate and effective action to correct these inaccuracies. I request clear communication regarding the steps being taken to address this issue and insist on receiving a specific timeline for the removal of the inaccurate items from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX AM XXXX Balance Owed : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX PREMIUM XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In the time period of XXXX XXXX, 2020 I was let go from my XXXX XXXX role due to the pandemic. I had opened an HSBC XXXX account to take advantage of the welcome bonus that requiring direct deposits. It also required some minimum direct deposit per month or else I would have to pay a {$50.00} maintenance fee. 

Since I was no longer employed, I could no longer make direct deposits and needed to close the account. I walked into an HSBC branch at some address between XXXX and XXXX XXXX and XXXX in XXXX XXXX XXXXXXXX ( branch is no longer there ). 

I stated to the female teller that I needed to close my account and wished to withdraw my balance. The teller immediately began acting pushy and demanding in a very likely attempt to prevent me from closing the account. They asked why I needed to close the account and stated it was required that I tell them. After a mild protest, I informed them it was because I was laid off and could no longer make direct deposits to prevent the maintenance fee. The teller than began cycling through my recent deposits and demanded a full explanation of each and every deposit. 

My most recent one for {$3400.00} was from my employer. After stating this, the teller demanded that I provided paystubs and documentation verifying this information, on the spot and quite bizarrely within the bank branch. Since resigning, I no longer had access to my paystubs. The hard drive on my computer containing all of my documentation additionally had unfortunately failed and I no longer had no way to access the documents. The teller, as far as I am aware, had no right to demand this information from me, and would not allow me to withdraw my substantial balance and proceed with closing my acccount. It seems that false pretenses is a modus operandi of HSBC to prevent losing customers. 

Since I was getting nowhere in the face of this bizarre situation, I walked out of the branch. I wrote a check from this checking account and deposited it to my XXXX bank account and resolved to wait the 7 day waiting period to complete the deposit. Due to this situation, I wound not paying the balance on one of my credit cards and had to pay interest for that month. Once my HSBC account balance was down to XXXX, I called and had the account closed over the phone, which was entirely within my purview. 

For two months, however, the account remained open despite the phone operator confirming that it was in the process of it being closed. The maintenance fee was charged on the account twice, as well as negative account balances. I had to call several times to have the negative account balance removed. 

Since this incident, it appears that HSBC has willfully supplied inaccurate information to reporting companies including XXXX. I most recently had a checking account application with XXXX denied as a result. This entire experience is outrageous and has cost me many wasted hours dealing with willfully incorrect information supplied under malicious motivations that has caused precise damages from charged credit card interest subsequent hits to my credit score.
Product: Credit reporting or other personal consumer reports

These credit card applications were applied for fraudulently on the dates listed below and are showing up as Hard Inquiries on my credit report. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card or prepaid card

I opened a credit card with SunTrust bank at the time of that event. I set up the auto pay feature to make monthly payments on time withdrawn from my checking account. However, SunTrust was purchased by Truist bank at the time of the bank purchase transfer. I was never informed that the auto pay feature that I set up with SunTrust bank would stop instead, I made the assumption that they will continue to deduct monthly payments from my account as the previous bank whom they purchased on XX/XX/2023, I was hit for a late payment by Truist bank for not making the payment on time upon contacting Truist bank, they acknowledge the error, and they promise to correct the issue by deleting the late payment, which they never did I was forced to file complains and disputes with the credit agencies, and as usual, the credit agencies reaffirmed the late payment without taking the time to investigate properly. At this point I have no one to turn to as I am trying to purchase, a home which the mortgage company declined because the reduction of my credit score I am looking for help from this agency to correct the grave mistake that Truist bank has committed. When a bank is purchased by another bank my understanding is that the purchasing bank will continue the practice of the bank which was bought in this case SunTrust. This information was conveyed to me by a representative of Truist bank. To this date Truist bank continues to show the payment as late, even though I took extra steps to go into their portal and set up a new auto pay, which was cumbersome to say the least. I feel that their unethical practice caused me hardship, and the decline of my credit score, which caused me the denial of my mortgage to purchase a house
Product: Credit card or prepaid card

Bank of America suddenly closed all ( 4 total ) my personal credit card accounts without any valid reason in XX/XX/2017. I have been a BoA customer for more than 10 years. My FICO score is around XXXX. There is no negative mark on my credit report. I never missed any payment with Bank of America or any other financial institute. The most outrage outrageous act was that BoA confiscated all the rewards points accumulated over the years. At the time of closure, I have around XXXX rewards points with the cash value around {$770.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on various occasions to have information in my report investigated as per the rules and laws of the FCRA. The Credit bureau have failed to and violated my right when it come to reporting information that is verifiable and accurate. They failed to provide me with names date and method of verification which allows them to keep reporting information on my report. An investigation for the purpose of the law and for accuracy needs to be handle with people and not the XXXX XXXX system. That information needs to be forwarded to me for further investigation.My last attempt was on XX/XX/2019 when i sent supporting documentation from original creditor which conflicts how they say investigation was verified.
Product: Mortgage

Under Florida law a loan modification agreement constitutes a novation of the original loan documents. See Florida caselaw XXXX v XXXX  XXXX XXXX, attached herein. It is therefore that a lender would attach a copy of the loan modification agreement XXXX  the foreclosure complaint so they can established that a default occur on the terms of the new contract. Select portfolio attached a copy of an unrecorded loan modification to the complaint. Under Florida Statute 201.08 ( 1 ) ( b ), & 199.282 ( 4 ) - " No Mortgage, deed, of trust, or other lien upon real property situated in this state shall be enforceable in any Florida Court room. '' Because the loan modification did not have any enforceability we filed motion for summary judgment. What happened next will shock you. The bank 's lawyers immediately recorded the loan modification. See loan modification recorded date XX/XX/2021. Upon closer examination of the loan modification we realized that the bank 's representative have engaged in fraud with the XXXX Clerk , therefore we ask that you provide a copy of the complaint to law enforcement, you have our consent. XXXX XXXX requires that a mortgage be notarized but also to reflect the legal description of the property on the document. XXXX XXXX will rejected and  not record a mortgage not notarized. If you carefully review the loan modification you'll find that just above the borrower signature it states " In witness thereof ". The borrower 's signature nor the bank 's were witness as the allege agreement was not notarized by either party. The XXXX clerk are not permitted XXXX  accept a loan modification not notarized because the loan mod is the new mortgage contract. The matter will be brought to the judge attention as we are requesting the Honorable Judge take judicial notice that the bank 's legal representative have engaged in fraud in connection with the unlawful recording of documents. The loan modification does not have the property legal description. For educational purposes, can a court dismiss a foreclosure action based on a mortgage not having a legal description? The answer is no, the court may give the lender the opportunity to amend the document before the judgment is entered .However, pursuant to Florida Case law Fed XXXX XXXX XXXX v XXXX XXXX XXXX, no judgment ever be entered until such correction has been made. What the caselaw does not say is that in order for a lender to correct this issue it requires for the debtor to sign the amended documents and we are not signing anything. SPS, you should know better than that, sps or their legal counsel engaged in a fraudulent act along with the XXXX clerk to record a document that can not be recorded and you been caught in the act, the question here is who among you in going to jail?.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.S 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

delete hard inquiries on my credit report. These inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The Montgomery reward account was closed in XXXX and I had somebody that was working on my credit. They reopened it again and decided to add more funds to this account. I feel I should not have to pay XXXX because that is what I was approved for. And now its passed due in XXXX they added more money to the account and said it was someone elses account. Please I just want it off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

student loans on credit report without written consent
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of a fraudulent account and unauthorized inquiries from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I can confirm that the following entries are fraudulent and not authorized by me. 
Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I owed a debt to XXXX XXXX XXXX, which was forwarded to Diversified Consultants. I paid the debt off to DC in XXXX, 2017, and as assured the derogatory remarks about the collection would be sent to the 3 credit companies. I have written to two companies, but only one has showed as removed. I am very frustrated because I am paying my debts and am trying hard to repair my credit, but the two companies ( XXXX, XXXX ) seem reluctant to remove the information or notate it as paid in full. Please help.
Product: Checking or savings account

On XX/XX/XXXX, XXXX MT, I initiated a call to PayPal to discuss an inapp notification I received about my billing address being incorrect. 

I had a simple request : tell me what address was provided by the merchant when they submitted the transaction. 

The first customer service rep I spoke to ( rep 1 ) said they couldnt help. I then asked them to transfer me to their fraud department who would have more visibility into XXXX. They proceeded to place me on hold for over 20 minutes only to be transferred to their supervisor ( rep 2 ). Rep 2 reiterated they couldnt help and proceeded to transfer me yet again. I waited in hold an additional 30 minutes. When rep 3 answered the phone they had not been correctly told what my call was about and were simply told I demanded a supervisor ( not true ). Rep 3 then went on to tell me debit cards do not use addresses to be verified and they just work. They continued to tell me they werent going to do anything to help me because cards dont use addresses after theyve been delivered. They then hung up on me. 

Im not sure how PayPal pretends to be legitimate financial institution when their representatives are not properly trained in how financial systems work.

My question remains. Both the merchant and I agree that the address we have matches what PayPal expects yet PayPal disagrees even though the address matches my account.
Product: Bank account or service

I received the attached Addendum to the Deposit Account Disclosure in my most recent checking account statement from Bank of the West ( BoW ). In the attachment I have highlighted the section that I find most troubling. In my own words, BoW is unilaterally declaring that even if a funds transfer is approved, they can for no reason at all choose to ignore it and not process it. Further they make the claim that they will attempt to contact me but will not make any guarantee of doing so. Finally, when they choose to ignore or not process a transfer, they are in no way liable to myself or any third party. Assuming I maintain my account, this unilateral position goes into effect on XX/XX/2017, by default. In my estimation this is totally one-sided and contradicts any understanding of the bank performing its understood contractual duties and responsibilities.