23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently applied for a second home mortgage and was conditionally approved and 4 weeks prior to settlement I Informed that since I already have an investment property XXXX of a mile away, I was forced to take the investment loan which at the current rate I locked into would have cost me an additional {$4800.00}. I was told that since I have a a history of investment properties all documented on my tax return, I am not allowed to have a second home. I just sold my primary residence for the only reason to obtain a second home at the shore for my family. 
I do not even have a second home or primary at the moment. My goal was to secure this mortgage as a primary or secondary residence. 

I feel that based on my age of XXXX and Origin of the other property, I was discriminated against.
Product: Debt collection

THIS IS THE SECOND TIME THIS COMPANY " ENHANCED RECOVERY COMPANY '' HAS SHOWN UP ON MY CREDIT REPORT. IT HAS BEEN DISPUTED IN THE PAST, AND REMOVED, AND NOW ITS BACK! I DON'T OWE THIS DEBT! I HAVE NEVER HAD A XXXX BILL IN MY NAME! NEVER WILL! I DON'T EVEN LIKE THE COMPANY! I'VE BEEN TECHNICALLY HOMELESS FOR THE LAST 3 YEARS! THERE'S NO WAY I OPENED AN ACCOUNT WITH THIS COMPANY! ATTACHED TO THIS COMPLAIN, IS A COPY OF A UTILITY BILL THAT SHOWS MY CURRENT ADDRESS.
Product: Credit card

On XX/XX/year> I applied for a Bank of America credit card. Bank of America claimed that the application process will be a soft pulled. I subsequently found out that it was a hard inquiry. This was blatantly false advertisement with Bank of America causing a hard inquiry on my credit report. Im requesting that this hard inquiry be removed off my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

Ive started out with a positive payment history with Uprova, but struggled in keeping up with my other bills ( Rent ; Utilites ; Etc ). I contracted XXXX a in various spots of a three-four year period and had to take out loans to cover expenses. One thing led to another, and I can no longer keep up with my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello, I've made several complaints and sent in several proofs to Transunion reporting the Account " XXXX " reporting inaccurately. I contacted Transunion by writing for several months about them reporting inaccurate information. they have failed to investigate instead they send verification letters back or " we will not re investigate with out proper proof. on XX/XX/2020 I sent in proper proof of these violations and instead of complying with consumer rights they sent yet another letter stating they won't investigate or fix this issue. please help me this is crippling me and my future in these hard times we are facing on XX/XX/2020 I sent in more proof that they ask for on XX/XX/2020 they sent they won't re investigate
Product: Credit card

I got a new credit card for airline miles with XXXX and no longer needed the Citi card with a {$99.00} annual fee, I called around the end of XXXX, weeks before the fee would be charged, to cancel the card. They convinced me to convert the card to a card with no annual fee and told me that I would not have to pay the fee. I agreed and was not told about the 51-day waiting period, or I missed that in the long disclosure. I received the new card ending in XXXX and then I got a bill on that account for {$99.00}. I called and was told I did not have to pay that, it is in process, you do not have to pay that. The next bill had a late fee and interest charges. I called on XX/XX/XXXX at XXXXXXXX XXXX. PST and spoke to the most horrible representative named XXXX. He was a bully and obnoxious and made me pay the {$99.00} before he would refund the fee and interest. He told me about the 51-day process. Based on this call with XXXX I decided to cancel the card, but I had to wait. I called again after the 51st day and asked where was my money? I was told again it was in process and the representative said she had an override processed and I would receive it in a few days. I did not receive it and called back on the third day. Then I got the story that it was still in process, and nothing could be done, and I would see it on my XXXX statement, which closes on the XXXX. But on XX/XX/XXXX I check the account and see that the {$99.00} credit is there with a date of XX/XX/XXXX! Every time I called I got a different story and none of them ever became true. 

I feel I was defrauded out of my money. They took it and held it and refused to return it. I was not fully informed about the process of converting the card to a non-fee card. I feel the annual fee on the old card had no basis to be charged to the new card. I cancelled that card weeks before the annual fee was to be charged. I had to make numerous calls and every time I was given false information and further deceived. By charging the fee and holding the refund for 51 days they require you to make a payment. You have to use the card or request a refund and I am sure that refund process is also terrible. So now they took my money, paid me no interest, charged me a late fee and interest, and they collected a fee on the charges I made to burn off the credit. 

On XX/XX/XXXX I called to close the account. The web site said my balance was {$220.00} but the difference of debit and credits was only {$92.00}. I feel this is another deceptive practice. I called to get the payoff balance and the representative would not tell me. I closed the account and wanted to pay what I believe is the balance, {$92.00}. When I asked the representative who closed the account what my payoff balance was, she told me {$220.00}. If I paid that I would be overpaying them.
Product: Debt collection

Affirm says I owe a outstanding dept after calling affirm and getting a representative to let me pay the dept over the phone he would not let me pay any other way so I was forced to give him my credit card and when he finished the Dept was paid in full, after that I keep getting emails saying I still owe money to affirm after telling them I can't open up the messages the representative updated my new phone number my email and I downloaded my driver 's license front and back the account was supposed to be closed after I paid the bill in full but I still get frustrating emails saying My phone number and my email can not be verified it's trying to talk to two separate companies and they are both the same please shut down Affirm it is apparent they have a system to let the consumer have any control over trying to communicate with two separate companies, I am scared that they will attempt to ruin my good credit score, sincerely your 's XXXX XXXX XXXX XXXX.
Product: Credit card

I placed an order on XXXX on XX/XX/2023, and was charged {$610.00}. XXXX only sent a part of my order ( two items missing ) but charged the full amount. I contacted XXXX regarding the incompleteness of my order. XXXX did not acknowledge this incompleteness and provided shipping information saying they sent them same time but in two packages. We only got one ( proved by our doorbell video ). I proposed to provide that video but XXXX refused and closed my complaint. Thus, I contacted Chase to dispute the charge within the 60-day period. Chase later responded with a letter saying there was no error in the transaction because XXXX provided them with an order invoice. That order invoice is apparently insufficient to prove XXXX delivered all items to me. Then I filed a claim on XXXX  against XXXX and exchanged the evidence we had with XXXX  and XXXX. XXXX did their investigation and confirmed the two missing items were never sent to us ( which can be proved by my XXXX communication record ) and agreed to refund us the value of the items {$250.00}. I waited a couple of weeks and did not see the credit in my Chase account. Then I contacted XXXX again and XXXX replied saying they failed to issue the refund because of a chargeback and asked me to contact Chase. It took a long time to go through all these communications and the last time I heard back from XXXX was in XXXX already. Finally, I contacted Chase on XX/XX/XXXX, and XXXX took my phone call only saying there was nothing they could do because that happened too long ago. I told her Chase used the wrong information to make the decision and XXXX has acknowledged their mistake and is willing to refund but they need Chase to be involved for the refund. XXXX decided to do nothing further and told me her decision was final and I have no way to file a complaint on this decision. Luckily, I know my rights as a consumer. Thus, I am filing this complaint here to request Chase to process the refund of {$250.00} as XXXX agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Planet home lending was my mortgage lender from XX/XX/2018 to XX/XX/2018. 

They are reporting multiple 120 day late payments on all 3 credit bureaus destroying my credit score and  refusing to correct the problem. My wife and I were never 120 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX OF XXXX Account # XXXX USDOE/XXXX  Account # XXXX DPT EDXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Citibank Case No. XXXX On XX/XX/2019, XXXX XXXX at Washington DC-XXXX  MD ( Merchant ), overcharged my stay for {$320.00}. The merchant realized the  mistake and credited that amount to my credit card ( Citibank ).  However, when I received my credit card statement, there was no credit of {$320.00} on the statement. I called the merchant and they confirmed to me that {$320.00} had been approved and released to my credit card. The merchant had sent me proved ( folio ) that the credit had been released. 

I spoke with and sent all the requested documents to the dispute department at Citibank between XX/XX/2019 and XX/XX/2019. During this period, each time when I called to follow up with Citibank, they denied the charges and kept pushing back. Even with all the proved and necessary documents showing XXXX XXXX XXXX had issued credit to my credit card, Citibank still denied to issue credit of {$320.00} to my account. I sincerely hope you can help resolve this issue expediently. Thank you for your corporation.
Product: Debt collection

Receiving calls from this number daily, they tell me its from a debt collector with no other information given, Im being harassed and would like it to stop
Product: Credit card

On XX/XX/2015 Citibank Credit Card closed my account with reason that they have the right to close my account at their discretion anytime without any prior notice. I have a credit balance on the account amounting to {$7700.00}. I asked them to direct deposit my funds but they said they are going to review my payments. If they had only contacted me and gave me a way to know that they are closing my account then i would not have paid my account.
Product: Credit card or prepaid card

On XX/XX/2023 I contacted Cashapp via their chat support because my purchases with my Cashapp Card with a Visa logo kept getting declined. I was told my card had been deactivated yet Cashapp never notified me that they were going to do such a thing. And when I ask why they refuse to give me a reason. I believe it is in retaliation for my recent complaints to the Attorney General 's Office and to the Consumer Financial Protection Bureau wherein I ask for Cashapp to be investigated for what I believe are unlawful financial business practices, especially with regards to how they handle disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

What in the world is happening here that my concern was not attended by XXXX and Transunion!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report
Product: Mortgage

Applied for a VA refinance loan with LOAN DEPOT in early XX/XX/XXXX. Caught them in numerous lies, bail and switch tactics and potentially fraud. Paid for an appraisal of our property on XX/XX/XXXX. Appraiser was here on Saturday, XX/XX/XXXX and was completed. He then sent the appraisal to the VA offices located in XXXX, AZ within three days of completion. After catching LOAN DEPOT in yet two more out and out lies, we started paperwork with another lender, yet did not cancel our loan process with them. They sent an email saying they were cancelling our loan application because of 'uncommitted borrower ' on XX/XX/XXXX, AFTER the  appraisal had already been sent to the VA office. After a week, several phone calls, repeated emails and attempts from our new lender, LOAN DEPOT, has refused to release the appraisal ( that we paid for and own ), to the new lender, even with a signed letter from us stating that we are requesting the appraisal be transferred to our new lender. From what I understand researching the law, they are in violation of several laws and are getting away with it. LOAN DEPOT responded today, XX/XX/XXXX to the underwriter representing of our new lender ; that we never had an appraisal done, although the VA gave us the case number associated with the finalized appraisal and that they would be refunding our money. By doing that, not only are they lying AGAIN, but  they are breaking the law and now drawing out the process with our new lender. This is by no means the only issue we 've had with Loan Depot throughout this process, it is just one of NINE 'issues ' that potentially encompass fraud charges which I will be researching the possibility of pursuing and checking for any class action lawsuits, which I 'm sure there are many. Somebody needs to do something to stop them from defrauding the public out of hard earned money from hard working Americans. It is not fair and one can only hope justice will eventually be done. DO NOT call this company to get a loan or refinance. DO NOT do business with them. I categorize this company as schisters, scam artists and rip-off con men and want to know how they get away with it! Find a reputable lender in your area ; sit face-to-face, check, double check and triple check each and every item, line and document.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX Account XXXX XX/XX/XXXX {$39000.00} XXXX XXXX  Account XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX Inquiry XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX : {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$300.00} XXXX XXXX Balance : {$170.00} XXXXXXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX : {$370.00} XXXXXXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX  report and it listed this account reported by TransUnion : XXXX XXXX XXXX  XXXX  XXXX   XXXX XXXX XXXX {$23.00} XXXX XXXX   XXXX/XXXX I have NEVER had a XXXX card . I refuse to shop there. I boycott the store due to their unethical practices and treatment of employees. 

I have NEVER received any kind of statement or anything related to this. No call - usually I get an identity theft call. I never even knew this existed. I AM EXTREMELY UPSET AND DEMAND IT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY!!!
Product: Student loan

I currently have student loans in forbearance with Mohela. I have the SAVE plan and I have received a message on XX/XX/2024 saying that my account will continue to accrue interest. I called to clarify that there should be no interest accruing because I was forced into forbearance due to the court ruling. Mohela verified I was correct and I was told the interest would be taken off my account. In XXXX my account continued to accrue interest and there was no interest removed from my account, I called again and was told " when the government pays your interest it will come off your account. '' It is XXXX XXXX and my account has had more interest added. My loan is {$40000.00} and I have {$1200.00} of interest.
Product: Money transfer, virtual currency, or money service

Hi there, am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had two people to PayPal me money for items I had already sent to them, they went and disputed the transactions, and PayPal took my money and they took my credits they brought. I sent in proof to then showing that they did approve the transaction and the did receive their credits but PayPal still let them scam me out of my money. After that happen they kept monitoring my account every time any transaction came through my account would get restricted. I normally hav people send me money for my mortgage or bills and I sent in the explanation behind my transaction and they permanently restricted my account. I have has PayPal for a long time without any problems until they let them scam me out of my money. I lost {$400.00} dollars they never had a problem with any of my transactions until then. I feel like I was discriminated against because the person disputed the transaction to scam and. my proof that they did do the transactions was overlooked.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. EXPERIAN, XXXX, AND XXXX HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXX # XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. YOU, EXPERIAN, XXXX, AND XXXX, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ XXXX XXXX XXXX ( a ) ( XXXX ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER XXXX. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD XXXX. FAIR DEBT COLLECTIONS PRACTICES ACT XXXX XXXX XXXX VIOLATIONS.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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