23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This item from BAY AREA RECEIVABLES, INC. on behalf of XXXX XXXX XXXX XXXX is inaccurate because I was overcharged on XX/XX/XXXX by {$13.00} ( $ XXXX- {$20.00} copay ) as per the provided bank statement. XXXX XXXX XXXX applied the {$13.00} to a date of service XX/XX/XXXX, but the issue is this is fraud as I was not even in the state of Maryland then so please see the attached complaint filed with the Maryland Attorney General on XX/XX/XXXX. In XX/XX/XXXX, after months of investigation the Maryland Attorney Generals office asked that the {$13.00} be credit to the date of service XX/XX/XXXX. Since this would make {$20.00} ( $ XXXX+ {$13.00} ) which is the copay. The account was XXXX out on XX/XX/XXXX and the complaint was closed as we thought it was settled. On XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX billing company applied the {$13.00} to XX/XX/XXXX. A month later XXXX XXXX XXXX   XXXX billed me again for {$13.00} as we went back and forth I was told this account would NOT go to collections. On XX/XX/XXXX XXXX XXXX ( supervisor for XXXX XXXX XXXX XXXX ) told me via phone, XXXX XXXX XXXX was again claiming I owed {$13.00}. I explained I did not owe that but wanted to prevent this from FRAUDENTLY being applied to my credit but she refused to take payment and said she would call me in two weeks ( XX/XX/XXXX ) but she never called. On XX/XX/XXXX in protest and with a note that I did not owe XXXX XXXX XXXX anything I paid them {$13.00} again to preserve my credit via their payment portal listed on the bill from XX/XX/XXXX. Now XXXX XXXX XXXX had been paid multiple times for the same thing they decided to again make false and fraudulent claims to XXXX, XXXX, XXXX via Bay Area Receivables. It was not until XX/XX/XXXX when I went asked for a home loan that I was told I had a collections account for {$23.00} from Bay Area Receivables so I was disqualified which was devastating as did not think I had any collections account on my credit. On XX/XX/XXXX I contacted XXXX at XXXX XXXX XXXX who put me on hold for a while and said someone would call me back which they never have since this whole issue started. I contacted XXXX XXXX XXXX XXXX and talked to XXXX who said my account with XXXX XXXX XXXX was XXXX out, I should not be in collections and she was going to have XXXX XXXX look into this as well as a refund for me. I then contacted XXXX XXXX of Bay Area Receivables who said I owed {$24.00} for date of service XX/XX/XXXX to XXXX XXXX XXXX and they would remove the account if I paid, so they extorted the money from me as I need to get this off so I can get a home loan and move on with my life. Bay Area Receivables did not send the letter ( email ) to confirm they sent a removal request to your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and noticed the following unauthorized inquiries.

Transunion : Onemain XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these inquiries.

Can you remove them from my credit report immediately.
Product: Payday loan, title loan, personal loan, or advance loan

Identity theft was used to take out a XXXX CASHNET USA loan in my name by an unknown party for {$1900.00} in XX/XX/XXXX and pay it via ETF to an account which is unknown to me in an out of state bank. CASHNET sold this loan to XXXX XXXX XXXX XXXX who has now placed this loan in collections and it is now on my credit report. 
CASHNET did not access my credit report to validate the loan or they would have seen my credit was locked due to identity theft in the past and did not report the lack of repayment loan on my credit report until XX/XX/XXXX. 
CASHNET paid out the loan to a bank account unknown to me and which is not in my name.

I have contacted the collection agency, CASHNET USA, Department of Commerce and Insurance and the XXXX  to report the theft. 
CASHNET claims the loan is valid. I suspect CASHNET USA employees are behind the loan and the fraud is internal.
Product: Mortgage

XXXX we bought XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX do to them adjusting skill mortgages we tried to get a lower rate and a fixed rate. But went in foreclosure filed bankruptcy this didn't help payments didn't go to Wells Fargo. They foreclosure on out house XXXX we tried everything to figure out why XXXX was not reporting monies paid lost home
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I sent letters requesting that the accuracy of the information on my credit report be investigated. After 30 days the information came back verified. Once information came back verified, in XXXX XXXX XXXX contacted me. I again questioned the validity of the information. XXXX XXXX sent me a contract with no letterhead, information missing although there was a dollar amount associated with it. In XXXX I again emailed asking the company to provide accurate information. On both XX/XX/XXXX and XX/XX/XXXX XXXX XXXX sent out invalid documents to prove accurately that I own the debt among with an incomplete ledger. In the recorded call the XXXX XXXX agent agreeing the information is incorrect, I have the recording.
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX, and i am formerly disputing the inaccurate information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681C, I did not authorize the reporting or release of my personal information to companies listed below. This is a Violation of my consumer rights to privacy, as they have no legal basis to report anything under my name.

Futhermore, there are unauthorized inquiries on my credit report that i did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, i do not owe any debt to these entities, and i demand the immediate deletion of the items and inquiries in question to correct my credit report.Please address this matter promptly and confirm the removal of the disputed entries. 

I appreciate your immediate attention to this matter. Sincerely, XXXX XXXX
Product: Checking or savings account

Yesterday XX/XX/XXXX my Chime bank card somehow sent XXXX $ to a woman I don't know and I didn't send it and I called chime to report it and they did an investigation and said they won't give me my money back and that's theft!!!!! I'm a mother of XXXX and a teacher, so I can't lose XXXX $ so I need help getting my money now!!!! IM BEYOND XXXX and if they don't give me my money back I'll sue!!!!!
Product: Debt collection

XXXX XXXX renewed our lease. We gave them a 30 days notice and they let us know that since we only gave them a 30 day notice we wouldnt have to pay the upcoming rent due but we would just have to pay a fee that we would end up getting in the mail since it wasnt a 60 day notice. We ended up not getting anything in the mail but this collection notice. We left because of the mold in the apartment due to leaks from the ceiling. Maintenance workers never came for the issue. We also left because they would turn off the apartment complexes water for XXXX or more days which kept continuously happening. My partner has taken action by calling the complex. We were told to contact someone in the next few days because the person there didnt know how to solve this financial issue but the people coming in the next few days would know.
Product: Credit card

I had a secured credit card with Capital One. I provided them with a deposit of XXXX and was granted a credit line on XXXX. 
On XX/XX/2017, i cancelled the card and was told via a webpage message that my deposit would be mailed. 
On XX/XX/2017, i, contacted customer service because i have yet to recieve my deposit check. They said it had been mailed and that i should recieve it within 5 business days. 
As of XX/XX/XXXX, i, still have not recieved my check. I called customer service and they said i would have to wait until XX/XX/XXXX ( over 60 days ) for my deposit check. 
It will be close to 3 months for me to receive my money. Its unacceptable and i consider it a seizure for interest profitting with money which is not theres. 
I want my XXXX immediately.
Product: Debt collection

I am not the responsible party for the debt on XXXX XXXX for {$1300.00} and XXXX XXXX for {$720.00}. I keep contacting the creditor asking for Valid proof that it was me on the claim that they have put on my credit ( XXXX XXXX ) & Im not having any luck. The legal definition of verification is to be able to support the truth of the data by affidavit, which they arent doing therefore they are engaging in fraud
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed.

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my report that I did not authorize and I even sent them a copy of my police report filled out for identity theft.
Product: Credit reporting or other personal consumer reports

I have sent in numerous disputes regarding this account, with proper documentation and up to date data. Both of these companies refuse to even pay attention to what I am writing to them. Every reply is that they are accurate when I am not disputing the accuracy. My dispute consists of a totally different issue from accuracy.
Product: Credit card

HSBC Complaint Reference : XXXX Transaction Product Description : XXXX and XXXX XXXX XXXX XXXX Ring ( https : XXXX? XXXX & XXXX & XXXX ) Merchant : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Buyer : XXXX XXXX Purchase Date : XXXX XX/XX/year> XXXX Amount XXXX EUR XXXX XXXX XXXX XXXX ) Credit Card Dispute Reason for Dispute : Defective/Damaged, Product Not As Described Date Filed : 4 XX/XX/year> Details : 1 ) XXXX received is cracked ( crazed ' ) per images 2 ) Merchant did not disclose this material information at the point of sale ( see Product Description ).

3 ) Merchant does not contest that the XXXX is crazed ( see attached email XXXX XXXX ). 
4 ) Merchant unable to produce evidence to HSBC that XXXX is NOT crazed ( see XXXX XXXX email from HSBC ). 

Despite this, HSBC awarded the dispute in favour of the Merchant because it lost my claim rights due to the Bank Errors detailed below.

Bank Errors at HSBC : 1 ) HSBC failed to communicate the dispute response deadline BEFORE the deadline had passed.

HSBC issued a letter with a 14-day response deadline via 1st class international mail ( up to 21 working days delivery, as published on the postal service website ). The letter did not arrive in XXXX XXXX until 4 weeks later, AFTER HSBC had already awarded the dispute in favour of the Merchant.

HSBC lost my claim rights in the dispute. 

This is the second time this has happened. I submitted a complaint for this deadline communication error on XXXX XXXX for the Case ID : XXXX. HSBC dismissed the complaint at the time, responding via telephone that theres nothing we can do about it ; and 2 ) Mistakes in handling Merchant Evidence HSBC failed to review evidence submitted by the Merchant contesting the dispute. Had they done so, they would have noted that the Merchant was unable to provide evidence contesting the Reason For Dispute as outlined in writing on XXXX XXXX ), which was that the XXXX was crazed and this material information was not disclosed at the point of sale -entitling me to a full refund under the XXXX Consumer Rights Directive, including any such costs of return ( shipping and duties ). 

HSBC issued an email response to my report of the Bank Errors on XXXX XXXX, in which : i ) HSBC could not provide a response as to why they awarded the dispute in favour of the Merchant despite that the Merchant never contested the Reason For Dispute nor provided any evidence which addressed the Reason for Dispute ; and ii ) HSBC did not address their responsibility for the Bank Errors that occurred, which led to the loss of my claim rights in the dispute ; and iii ) HSBC declined to provide financial compensation to remedy the fact that it had lost my claim rights to the dispute due to Bank Error ; instead offering USD XXXX as a gesture of goodwill -disproportionate to the case value of USD XXXX, the time lost over 5 months assisting on this case and the fact that the Merchant is emboldened/no longer willing to co-operate with a return/refund request due to HSBC erroneously awarding the case in the favour of the Merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$260.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I attempted to refinance my mortgage with my mortgagor, Provident Funding. The underwriters asked me multiple questions and asked for  a lot of information. I gave them all that was required. They continued to ask for the same information, asked vague and confusing questions, and continued to run the clock until the mortgage lock rate expired. I emailed the mortgage broker constantly. He told me that he would escalate the matter to a supervisor. Even though I emailed him and told him that a supervisor did not get back to me he refused to respond to my emails.
Product: Mortgage

XXXX/XXXX/14 : We first contacted XXXX XXXX ( XXXX XXXX, XXXX XXXX ) to broker a mortgage on a property we were considering. He quoted an available mortgage rate of 4.625 % but said it changed rapidly and our actual rate would depend on the market when we closed. 

XXXX/XXXX/14 : We identified a XXXX property when the XXXX one fell through. XXXX repeated his statement about rates. Currently 4.625 % but they would change based on the market when we close. Escrow opened. 

XXXX/XXXX/14 : We were scheduled to close in a week but the bank appraisal had not occurred. We were very concerned that that would give the sellers an out. XXXX had locked us into the 4.625 % rate, which he had quoted almost two months before, despite lower prevailing market rates. When asked if the rate could be adjusted since the lock was expiring due to repair issues on the house, XXXX 's response was " No, since it has gone to escrow ''. This was a deliberate attempt to mislead us since escrow had been opened a month earlier. He also claimed we had given him a " verbal '' lock at 4.625 %. We did no such thing. Rate locks must be in writing according to Oregon Revised Statutes and no such document had been signed by us. When pressed on the matter, XXXX said he was going to pull the appraiser ( which would have caused us to lose the house ) and hung up on me. 

XXXX/XXXX/14 : I was compelled to contact XXXX XXXX ( XXXX XXXX ), Branch Manager at XXXX XXXX XXXX re : XXXX 's angry response and threats to pull the appraiser from the site. His response was that he thinks we " have been treated fairly ''. 

XXXX/XXXX/14 : With the choice of either losing the house we love or accepting the terms forced on us by XXXX XXXX, we close on the house. The higher interest rate will cost us more than {$5000.00} over the life of the loan. More to the point, we felt manipulated, lied to and bullied by XXXX XXXX. His behavior was reviewed and supported by his manager, XXXX XXXX. 

COMPLAINT SUMMARY : XXXX XXXX was deliberately not forthcoming with accurate market rate information at his disposal. He locked clients into higher than market rates in order to benefit himself and his company. This is predatory lending. 
XXXX XXXX bullied clients into compliance by threatening to cancel a key process in the buying procedure in order to complete his self-serving transaction. 
XXXX XXXX lied about the loan closing process by claiming a loan has gone to escrow when escrow had been opened for a month. This facilitated his manipulation of the closing process to his benefit. 
Rather than representing the highest industry standards of the home mortgage industry, XXXX XXXX represents the lowest social standards of being a common bully, prevaricator and exploiter. The public needs to be warned about him. 
By endorsing XXXX XXXX 's behavior, XXXX XXXX was at the most culpable in behavior that enriched his firm and at the least negligent in his supervision of a rogue employee.
Product: Vehicle loan or lease

On XX/XX/year> Credit Acceptance Corporation charged 26.99 % annual percentage rate. The hidden finances charges in there contract exceeding the usury rate of 21 % thats mandated by law. I have disputes with them and the credit bureaus and nothing was resolved. This predatory lending has all consumers victims.
Product: Debt collection

I requested information regarding the judgement but was informed it was charged off and close. Now they have taken money from me by informing my employer that they have spoken to me. I never received any paperwork, notification of no judgement for garnishment. My employer did not notify me either. I found out when I saw the deduction. Please can you help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, XXXX  XXXX XXXX 's online bill pay system sprouted some technical bug, due to which it misses the last digit " XXXX '' of my primary bank- XXXX XXXX XXXX - account number. I had autopay set up on my XXXX  card with the very same XXXX XXXX account number for years now. Due to this, there was an approx. {$13.00} missed payment which I did not notice ( since autopay was set up! ), which cause a XXXX point drop in my credit score. I have never missed or had a late payment before in the last 7 years of banking with them ( or any other bank for that matter ), and I never carry a credit balance. I promptly paid off the {$13.00} as soon as I noticed the issue, the month after the payment was due. 

When I called XXXX customer service countless times to resolve this, they have been unable to fix the technical issue, and they have refused to fix the mark on my credit report for an error that is due to their system. If their customer service uses the same XXXX account I have saved/linked on my account, to make a payment over the phone, that process just fine - So it is 100 % not an issue with an incorrect account number or any such thing. I am lost now, and have been unable to escalate this to someone who can actually make a difference. Extremely frustrating. 

Next, I disputed this transaction with the credit bureaus, explaining the technical glitch that XXXX has and has been unable to resolve for me, yet Experian ( and the other 2 bureaus too ) have refused to fix this delinquency mark on my credit report which has brought down my credit score by about XXXX points, and has actually affected my life and my ability to take on more credit, even though I have plenty of savings and am a high earner.