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

Received a pre-approval through XXXX XXXX for a small personal loan of {$3500.00} at XXXX. 

Clicked accept offer, and once at the XXXX website, was asked for various documents. Uploaded all of these documents and received a call the next day to go over everything. 

In addition to my tax return income, I receive over {$800.00} social security XXXX pay month. I provided them my online statements from XXXX XXXX, which is where my benefits are direct deposited every month. Was told this was not sufficient to prove income ( has my name, address, deposits and my manual deposits to my bank account ). Was told they needed my award letter. No problem, I sent that. Was then told they had to have the tax form SSA 1099. No problem, I sent this. 

Told I needed to provide actual bank statements from XXXX XXXX. I explained that this is a government issued prepaid card, where only government benefit payments can be made. And that the monthly statements clearly show the SSA deposits, my name, my address, the bank transfers ( which they see on my actual banks statements ). 

Denied the loan. Was initially told it was because they couldn't use that income. Told later that information NEVER SHOULD HAVE BEEN TOLD TO ME. WHAT??? It's my loan application and my income and my denial. 

I know XXXX is going to supply some canned response that I was denied based on a credit report. Let 's see, a XXXX credit score, 1 percent credit card utilization, no late pays, delinquencies, 2 inquiries in 2 years ( 1 inquiry was from XXXX in XXXX when they did the EXACT SAME THING ) and the other inquiry nearly 2 years old for my XXXX credit card. 

The adverse action letter says to call the application review manager and lists a number with questions. Called and told there is no way to have any communication with that department or person. They will send a more detailed reason for denial upon my request. 

I asked again what specific information is not found on the XXXX XXXX statements that would verify the income. Told they can't tell me that, it's an internal thing. 

This is discriminatory lending as XXXX is refusing to include my SSA XXXX benefit pay as income. I have provided every document available that verifies this income. I asked if we could contact social security via phone to verify. Nope. But they do have the benefit verification letter yet and still this is not sufficient!? 

Funny, they pulled my soft inquiry to offer the loan last night. And that's STILL ALL THEY HAVE PULLED. NO HARD PULL HAS BEEN DONE, THAT'S HOW I KNOW IT HAS NOTHING TO DO WITH MY CREDIT REPORT. But I will bet when this complaint reaches them, a hard pull will suddenly appear.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint informing the Credit Bureaus that I am a victim of identity theft and I complaint to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Bureaus are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX, XXXX, KY, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$340.00} XXXX XXXX Balance : {$150.00} XXXX  XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$85.00} US DEPT ED XXXX Balance : {$7500.00} US DEPT ED XXXX Balance : {$7400.00} US DEPT ED XXXX Balance : {$7200.00} US DEPT ED XXXX Balance : {$4100.00} US DEPT ED XXXX Balance : {$3600.00} US DEPT ED XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

We were the seller of a house located in XXXX XXXX TX. The loan company, New American Funding Inc., for the buyer of the home delayed the closing 3 times, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 finally closing on XXXX/XXXX/16 without a valid contract and not providing an addendum to close the sale on XXXX/XXXX/16. The Lender received the appraisal 5 days before closing and failed to notify the broker or seller that the appraiser had noted a safety issue that needed to be addressed before he would sign off on the appraisal until XXXX XXXX XXXX the day before closing. This left no time to correct the issue and delayed the closing until XXXX/XXXX/16. We were not provided any addendum with a new closing date and left to hang in the balance from XXXX until XXXX/XXXX/16. This also resulted into the payoff being higher and late fees since they failed to meet there obligations. We understand the mortgage company has a responsibility to the buyer, but proper notification and addendum is still required to be presented to the Seller. The mortgage company assured us they would close before XXXX day and then relayed via a text that they would be closed for XXXX day and it would not close until after the holiday. Total disregard for the seller, unethical and unprofessional behavior given to the seller!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

The collection agency/debt buyer has categorically ignored all attempts to dispute this debt and has merely sent generic letters showing that they are initiating a " review '' of my inquiry. The agency has violated the FCRA and FDCPA by not properly marking the debt as in dispute. They should be prosecuted to the fullest extent of the law. 

On or about XX/XX/XXXX they placed a fraudulent trade on my bureau alleging I owe XXXX XXXX. I do not. 

I sent letters disputing the debt as fraud on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I  was ignored each and every time. 

I disputed with the bureaus and they merely verified, knowing full well I did not open the account.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/year> The following inquiry was not authorized and should not be reporting. 

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

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXTransunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I have found numerous accounts on my credit report that was not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

Collection XXXX XXXX Date Opened : XXXX Owed : {$730.00}
Product: Money transfer, virtual currency, or money service

A business that uses Cash App as the payment provider scammed me out of {$280.00} and cash app will not assist me with getting my money back the the person who is over this fake company. I have reached out multiple times and at first I was getting the run around about getting information about my account despite me sending actual screen shots from my cash app sending them all of my information. Then they stop responding to my request via email. Cash App is a company that does not help with the financial security while users use the profile. The fake company is also still active despite being a scam.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX from the family of XXXX. I am a living man, coming with clean hands to state these herein facts without any influence from any third party or agency. He who comes into equity must come with clean hands.-Maxim of equity. XXXX scribing this for the benefit of the beneficiary of the created trust ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Equity wiLl not suffer a wrong to be without a remedy.-Maxim of Equity ). Now knowing where I stand Im invoking such is law It is ignorance of the law when we do not know our own rights.XXXX XXXXXXXX XXXX XXXX Not once do I recall the bank who claims are the creditor ever having consent from the XXXX to even have dealings with me. How could I know if the said arrangement was INJURIOUS to the XXXX? The companies ( XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX ) have taken the liberty of reporting wrongs & requesting payment for something thats been discharged per the INTERNAL REVENUE SERVICE ( Equity acts in personam-Maxim of Equity ). See attachment supplied so with that being said justice has to be served XXXX follows the law.XXXX XXXXXXXX XXXX XXXX.
Product: Checking or savings account

XX/XX/XXXX Bank of America received {$5300.00} from XXXX XXXX XXXX which represented funds being returned because a payment made through BOA 's online bill payment service had been refused. 
XX/XX/XXXX I contacted BOA bill pay customer service to get a status. The CSR informed me that she was able to see that the funds had been returned and would initiate a request to expedite the return of the funds to my account. I received a message in response indicating that the matter was being researched and I would be contacted in 3-5 business days with an update or resolution. I contend that no research was needed because they already knew to whom the money belonged. I sent a complaint email to BOA about the delays in getting my money back into my account. 
XX/XX/XXXX I talked to XXXX XXXX XXXX BOA XXXXs Executive Resolutions team in response to my complaint. She just confirmed that it would take 3-5 business days to address the issue, that it was " standard '', and that nothing could be done to expedite things. 
XX/XX/XXXX Received a message acknowledging that BOA was in possession of my money and it would be credited to my account in 1-2 business days. 
XX/XX/XXXX I was able to determine that the money had been restored to my account in the XX/XX/XXXX processing cycle. 

I do not think that financial institutions should be able to implement these arbitrary policies regarding when customers are given access to deposits that rightfully belong to them. Funds should be credited to customers ' accounts as soon as BOA is able to determine the rightful owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple complaints I submitted to the 3 Credit Bureaus, my request for proper verification and correction of the erroneous information on my credit reports has been neglected. The last complaint I submitted to Experian, XXXX, and XXXX Credit Bureaus was XX/XX/ 2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still erroneously reporting on my credit report and I am hoping that you may be able to help me have these accounts corrected as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX Balance Owed : {$67.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$880.00} XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

After six ( 6 ) XXXX ground deliveries to Wells Fargo Bank CEO and XXXX XXXX XXXX XXXX and an executive of his, each delivery costing me {$15.00} and change, and literally dozens of letters, emails, telephone calls, and personal visits to its XXXX, New Jersey branch office, finally, at long last, XXXX, Wells Fargo Bank relented and cancelled SOME of its over-draft fees but : ONE : Some remain!

TWO : I expended at least {$100.00} on XXXX fees and postage and respectfully want and demand and request reimbursement in the sum of {$100.00} that so far Wells Fargo Bank by its employee XXXX the " Senior Premier Vice-President '' refuses to give! 

This is the same bank fined in penalties of more than a staggering {>= $1,000,000} by regulators and courts-of-law for knowing violations of the law! 

This is the same bank whose CEO and President XXXX XXXX XXXX announced to his employees and the XXXX community that there are not enough XXXX people to fill the jobs at Wells Fargo Bank! 

The very same bank that was the ONLY one of 22 other financial institutions that at first refused to pay XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Only XXXX and world pressed forced it to pay up! OUTRAGEOUSLY GROSS MISCONDUCT and vast disrespect for both the XXXX people and the memory of the XXXXXXXX XXXX  whom XXXX XXXX just because they were XXXX
Product: Payday loan, title loan, or personal loan

It wont let me cancel my account because unless I pay off my loan with a $ XXXX monthly membership fee! I I liked my bank account but they still take money from my account
Product: Credit reporting

There are several inquires listed through a company named XXXX. I did not give anyone authorization to pull my credit XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I am disputing this and disputing with the actual company. This has to be against the law. Why would anyone pull their credit three times in one month?
Product: Money transfer, virtual currency, or money service

Hello, I have tried to transfer money through XXXX XXXX to help people in need in the XXXX. The transfer did not go through for no reason and a refund has not been completed yet. XXXX XXXX claims that the funds were returned to Chase and Chase claims that they have never received any refunds. I have been on the phone for over 10 hours with both financial institutions. I have emailed, faxed, called, XXXX to solve the issue with no luck. 

XXXX XXXX claims that they have refunded the funds to Chase and Chase claims they have not received the funds. Thus, the funds have been disappeared. 

Transaction date : XX/XX/2020 Amount : {$300.00} XXXX XXXX transaction Number : XXXX
Product: Checking or savings account

My father died on XX/XX/18. I have probated his estate and have been appointed Executrix. I have called and forwarded all required documents to Capital One on several occasions in order to obtain a XXXX and have the funds released to me. I have made numerous calls and was finally told approximately 2 weeks ago that I didn't need to wait until the CDs matured to receive the money and a check would be issued and sent to me. Today, I called the bank to see the status and was kept on hold for hours and no one was able to ascertain the status of the checks and/or account. It is clear to me that this bank intends to hold on to my money for as long as it can and has no interest in releasing the funds despite being legally obligated to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a member of XXXX for about 4 years. In XXXX, XXXX, when XXXX XXXX cards were no longer accepted at XXXX, I received a XXXX Anywhere XXXX from Citibank. I already had XXXX XXXX cards from XXXX other banks and I did n't want a third XXXX. On my next visit to XXXX, I asked the person at the customer service desk if they accepted any XXXX. The answer was yes, so I had a membership card made to use for shopping at XXXX. I asked him what I needed to do with the Citibank Visa and I was told since I had n't activated it, I did not have to do anything. 

In XXXX, XXXX, without my knowledge or permission, Citibank charged my XXXX membership dues to an account I thought did n't exist. I receive all of my bills paperless and online so if I received any mail from Citibank, I would have assumed it was junk. I also did not know this account existed. 

About a month or two ago I started receiving phone calls about my Citibank Costco account. Some of the people left messages that were spoken very fast, somewhat garbled and hard to understand. I assumed they were scams since I did not think I had a Citibank XXXX account. 

On the advice from my lawyer, I decided to call Citibank thinking I was reporting scam phone calls. I was shocked to find out this account had somehow been activated without my knowledge, as well as fees and late charges which totaled over {$300.00} from the original {$110.00} charged in XXXX. They were very willing to remove all of these charges which were late fee and interest except for the {$110.00}, which I paid from my checking account for the XXXX dues. 

I am trying to buy a home and these charges have dropped my XXXX XXXX from XXXX to below XXXX. I have been told by the loan XXXX all I need is a letter from Citibank stating they removed these fees from my account which will positively effect my XXXX XXXX. 
Citibank refuses to do this and will only state I have a zero balance. 

I am XXXX XXXX XXXX and have always had an excellent XXXX XXXX, pay all of my bills in a timely fashion including a different Citibank account I have had. 

I thought the reason a credit card has to be activated is to insure the correct person receives the card. The charge was made ten months after the card was sent to me and had never been activated. 

I do not understand how Citibank can remove charges but still claim my account is delinquent. 

I think this is fraudulent since they have removed fees but refuse to report to the credit bureaus this was their errot.
Product: Student loan

I have been contacted by GC Services Limited Partnership regarding student loan acct # XXXX. They are looking for someone with my same first and last name but this is not my debt. I told them as much twice over the phone and also wrote it on their bill voucher which I mailed back twice. 
In the late 1990s this exact thing happened to me, for a student loan debt for XXXX XXXX XXXX in XXXX XXXX. I never attended this school and have never lived in XXXX California. It took years of effort to clean this mistake off my credit report and I 'm concerned someone new purchased this debt and will do it all over again.