23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I am refinancing an existing USDA loan from Cornerstone Home Lending , Inc., existing lender ( Company NMLS XXXX ), to XXXX XXXX ( the new mortgage company ). A payoff statement was provided on XX/XX/XXXX that had the below payment information ( it is attached ). The original payment amount was {$260000.00} through XX/XX/XXXX with a daily per diem of {$34.00} per day for any funding date after XXXX. By adding an additional 13 days of per diem interest through XXXX, XXXX collected a total of {$260000.00}. XXXX and the title company wired the {$260.00}, XXXX on XX/XX/XXXX and should have been enough money until the end of XXXX. That should have allowed for another 3 days for the funds to arrive to Cornerstone without being short. 

The payment was rejected, I am still not completely unsure why but supposedly there was an escrow shortage. I confirmed with Cornerstone that I had a positive escrow amount remaining of {$140.00}, therefore the payment was incorrectly rejected. See math below. 

Payoff Statement XXXX Payment due by XX/XX/XXXX = {$260.00}, XXXX + {$34.00} * 13 days = {$260.00}, XXXX {$260.00}, XXXX was good through XX/XX/XXXX according to the Payoff Statement from XXXX and the money was forwarded on XX/XX/XXXX, providing three days of additional interest above and beyond what was sent. 

My escrow amount has a positive balance of {$140.00} and was not short. The payment should not have been rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report I've noticed several accounts that doesn't belong to me. These accounts are negatively affecting my credit score which has a negative impact on my living I am a victim of the Equifax data breach which my personal information was obtained.
Product: Checking or savings account

Hello Everyone, I am an international student at XXXX XXXX, XXXX. I want to bring up an incident that happened to me last month. On XXXX XX/XX/2022, a fraudulent money withdrawal transaction was done from my PNC Bank Account. The cash withdrawal slip made the withdrawal. At that time, I wasn't in XXXX ; I was in XXXX, Minnesota. There are no PNC Banks in Minnesota. The debit card was with me all the time when I was there. The day before the fraud, {$900.00} was deposited into my bank account. 

When I got the notification of the withdrawal, I immediately called customer support ; The representative told me that the signature on the withdrawal slip didn't match the signature associated with the account. And she also said that there is a policy in PNC that before taking out withdrawal, at least two ID verification proof is needed. The customer support asked me to wait for at least 1.5 months to 3 months. 

After returning to XXXX, I visited the bank for help ; the manager said that she couldn't do anything and asked me to wait for the period that customer support told me. 

Right now, I am only left with {$260.00} in my account, and my loan amount will not come to me until XX/XX/2022. 

I did a police complaint today, i.e., XXXX XX/XX/2022, about the same, and reported to the bank ; the manager again asked me to wait for the time frame and said we couldn't do anything for the complaint.

Also, she told me that the affidavit was sent to my mailbox, and I didn't respond, so they closed the incident. However, I have never received any testimony. The incident number for my case is XXXX. 

And today on XXXX XX/XX/2022, again a fraud transaction was done by someone to pay a discover card payment of {$1700.00}. I also reported a police complaint about the same today i.e. XXXX XX/XX/2022. I don't know what is happening with my account. 

I am a student and this is my loan amount. Right now the current balance of my account is- {$1400.00}. 

I am really very stressed by this. I am not able to concentrate on my studies also as almost {$2700.00} is not a small amount for me. I have to pay my bills and I have to get groceries to eat food. 

Please help me with the same.
Product: Payday loan, title loan, personal loan, or advance loan

XXXXXXXX XXXX I applied for {$8000.00} personal loan online DISCOVER. I was discriminate and my application was rejected. I call and spoke with XXXX and she stated there's no reconsideration department and if it's rejected try later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite of my many written requests, the unverified accounts listed below continue to report on my credit file, I am still dissappointed as I found out that there are still accounts on my file that seems to be an error that needs to be corrected. Kindly investigate the following inaccurate accounts below that seems do not belongs to me. Kindly follow the law so that this matter can be resolve immediately. The following accounts below are inaccurate that are needs to be corrected : XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$210.00}.
Product: Checking or savings account

Initially had to call the bank 2 times to be able to file a claim on charges that I did not authorize then finally spoke to a supervisor who was able to process the claim. The 2 reps prior to made the process very difficult and did not seem to know what they were doing or were distracted during the call. I had been charged for subscription services thru XXXX for XXXX XXXX which was actually included in my XXXX Bundled account. I discovered these charges in the beginning of XXXX & tried to resolve the issue with XXXX and XXXX but they advised to call the bank to reverse the charges. That's were the difficulties started. The XXXX bundle began as of XX/XX/XXXX but the claims started as of XX/XX/XXXX XXXX
Product: Checking or savings account

A pre-order ( group-buy ) purchase was made from XXXX XXXX XXXX XXXX XX/XX/XXXX in the amount of {$280.00}, and on XX/XX/XXXX in the amount of {$210.00}. The company became increasingly scarce in its response with its customers around XXXX, then filed for dissolution on XX/XX/XXXX with no notice. I tried to reach out to XXXX XXXX via several different platforms, but was met with no response. Ultimately the customers were left in the dark ; the above projects were never completed, and the products were never delivered. 

I attempted to contact my financial institution Chase Bank regarding a chargeback. Initially they granted temporary credit, but was promptly reversed inso stating the request had passed the 120 day period to request a chargeback. I tried to explain to them that due to the nature of the purchase, there was no possible way to request a chargeback within that time frame. XXXX XXXX operate on a XXXX XXXX XXXX, where money is paid up front which is then used to pay the manufacturer to create the final product. These projects normally take XXXX years for completion. These style purchases are normally conducted in good faith in relation to the hobbyist community, so instances like these are far and few in between. Moreover I had purchased from XXXX XXXX in the past, so I had very little reason to believe they would do this. 

Despite all this, Chase continued to maintain their 120 day policy -- repeated calls to different agents were met with immediate denial and refusal to take additional documentation. Furthermore, it makes little sense that Chase would even entertain issuing temporary credit if that were the case -- it was clear that the purchase was made over a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX and XXXX Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Bureaus  are reporting inaccurate information on WF/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX XXXX XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX XXXX XXXX XXXX XXXX are inaccurate and must be removed.
Product: Credit reporting or other personal consumer reports

I want Experian to remove both XXXX accounts from my credit report due to inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). The payment history shows ongoing reporting even though this account has been closed for many years. Additionally, there is inaccurate information regarding the closure date of these 2 accounts, which violates Section 623 of the FCRA. I kindly asked them to promptly delete these account from my credit report.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support, I am writing to express my concern and seek a re-investigation into the recent permanent limitation placed on my PayPal account ( associated email : XXXX ). 

I was taken aback by the abrupt action taken, as I firmly believe there may be a misunderstanding or an error involved in this decision. I am unable to discern any violation of the PayPal policies on my part that would necessitate such a severe sanction. I am a diligent user and have always adhered to the rules and guidelines outlined by PayPal.

To this end, I kindly request your team to revisit the circumstances surrounding this decision, and if possible, provide me with a detailed explanation about the specific actions or activities that have led to this account limitation. I am prepared to provide any additional information or evidence that may be required during this process.

I understand that PayPal 's efforts to maintain a secure and trustworthy environment may sometimes necessitate strict measures. However, in this instance, I strongly feel that the permanent limitation on my account may have been imposed due to an inadvertent mistake. 

As a long-standing and committed user of PayPal services XXXX I place great value in the security and convenience that PayPal provides XXXX The sudden and unexpected limitation on my account has caused considerable inconvenience and has interrupted my personal and professional transactions. 

Therefore, I respectfully request that you review the decision and consider lifting the limitation on my account if it is found that there has been an error. I look forward to your understanding and prompt action in this matter. 

Thank you in advance for your time and consideration. I eagerly await your response. 

Yours sincerely, [ XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed some disputes with XXXX XXXX, and TransUnion. They didn't reply in 30 days.
Product: Credit reporting 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been investigating my own credit reporting accounts myself after getting generic responses from them and the lack of investigation on their parts. I was receiving berries when I clearly knew the account was fraud, paid or inaccurate and reporting inaccurately continuously with no proof of debt validation required by Federal Law. They never stated how, they got the information either. Just falsely reports. I took matters in my own hands and now the COMPANY that stated I had a debt even requests removal! This is how I became very suspect and frustrated at the credit reporting agency inaccuracies. I know am about to file small claims court if the other accounts are not fixed I investigated and found not accurate either! Also an account was paid off and reporting inaccuracies that Im late! Proof attached! 

They have report XXXX XXXX  Account and this account is not even mine. The company themselves stated the social security number they have isnt even mine so how are they not removing this inaccurate account? 
XXXX XXXX was already contacted by the original creditor to remove the accounts XXXX XXXX  was found inaccurate and reported this XXXX found inaccurate XXXX XXXX was a medial bill in HIPPA Violation and removed from all credit reports but XXXX  XXXX was found inaccurate only Transunion reports this account XXXX XXXX XXXX was paid off trains in full and on time XXXX  - hasnt update files since XX/XX/2020 Still didnt remove inquires that were not authorized by me and inaccuracies reported XXXX just update but still reporting a medial bull that the XXXX XXXX asked to remove themselves because they were in HIPPA violation and all agencies removed but XXXX  Transunion XXXX Continues to report inaccuracies and also sends same generic report responses They have not removed all the credit inquires I send to them that were not authorized by me They are all inconsistent and not reporting accurate. They are not reporting debt validation. Its been over 120 days since I have provided proof on all these accounts inaccurate. 


This is my final attempt to have the agencies do their jobs by law and protecting my rights and credit with all these inconsistencies and inaccuracies. 

Thank you
Product: Credit card or prepaid card

I received notifications about my credit being pulled. Have A LOT of inquiries not made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a statement of credit denial from XXXX XXXX XXXX XXXX Ohio office stating I was denied a pay day loan for which I never applied for. The statement also says that I was denied due to " credit product not available '' I called the phone XXXX. They said they would forward my name, phone, and email address and check into it. I get an email back stating that the account??? Was opened with your personal information. They also want me to fill out a more detailed report with even more personal information and have it witnessed by law enforcement. Of course this is a voluntary report. I used to work at XXXX XXXX XXXX corporate office in the accounting Dept. Years ago. I know what a pay day loan is., I also know scams but the paperwork is very professional. Should I be worried, also someone could be pretending to be from XXXX XXXX XXXX to gain information. Help!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent the sent the credit bureaus 4 letters advising them of issues with the reporting and each time it has come back verified ... .how can a debt be verified when the reporting is innacurate? this is a violation and i would like this account deleted immidiately i have attached a letter stating that the date i opened the account, the balance, the charge off date, and date of last payment and you will see how inaccurately the credit bureaus are reporting this violation. I have also attached a copy of my credit report so that you see the discrepancies in the reporting the account was opened XX/XX/XXXX the balance is {$9000.00} the charge off date is XX/XX/XXXX and date of last payment was XX/XX/XXXX XXXX  is reporting date opened XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX and the date of last payment of XX/XX/XXXX experian is reporting the inaccurate date of open of XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX the date of last pay of XX/XX/XXXX equifax is reporting the inaccurate date of open of XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX the incorrect date of last pay of XX/XX/XXXX
Product: Vehicle loan or lease

Hi, I ordered with XXXX on XX/XX/2023 My order price was {$53000.00} and later last month I was checking if anything is available for delivery. There was 1 car available i tried to see what i am getting, since it didn't load the description on the website. I chose select car so i can see what i am getting. But it went ahead and placed the order for that car. I was not trying to purchase that car. I was only trying to look what they are offering. I called tesla back that I don't need this car since My original car was long range this is standard range. Please change it back to my original order. After trying 4-5 times they changed my order and put the Current price which is {$54000.00}. I called them spoke to manager he said he will request the change and later i got text they will not change it. I try to explain them there was an error on website i was only trying to see what i am getting. I didnt mean to downgrade my purchase from long range to standard range. but they dont want to listen.Now that manager wont answer my calls or respond back to voicemails. I have attached the picture which i took today and looks similar as same error i got that day./ They dont want to admit Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair reporting act acct # XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 section 602 ( a ) states i have right to privacy 15 USC1681 section 604 ( a ) it also states a consumer reorting agency can not furnish a account without any written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. These recent inquires are not me nor are they tied to any accounts on my credit reports.
Product: Credit reporting

In 2013 I was hospitalized on an emergency basis and incurred over {$100000.00} in medical debt. At the time I was admitted, I signed XXXX financial responsibility form, and the hospital assigned me XXXX account number and billed the services on XXXX Statement. 

Thereafter they assigned the debt to CALIFORNIA XXXX XXXX for collection and they have listed the debt on my EQUIFAX report XXXX SEPARATE TIMES as XXXX SEPARATE ACCOUNTS. This is false and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALLY 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 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  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/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  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Credit card

I received an offer for American Express XXXX card that stipulated certain terms. If I spend XXXX in 3 months I get XXXX bonus points. And if I spend an additional XXXX dollars I get an additional XXXX bonus points. I signed up with the code they provided. I got approved and received mail and a phone call confirming these terms. I spend the required XXXX dollars in the XXXX 3 months and did not receive the points. I was charged the XXXX annual fee in the XXXX month. I called to understand why they did not apply the bonus points and they stated that the offer was not linked to the account. I gave them the code and asked what other information they needed. They opened an investigation and first they said it would take one week then a month and then 6-8 weeks. It is now 2 months and they said they are not ruling in my favor. I asked why, and specifically requested to pull the phone call in which they read the specific terms but no they have not acknowledged that request. I am not sure why the code is not linked properly but regardless, how are they allowed to send material and confirm a credit card on a phone call and not be held to their own terms and agreements. I have asked for the points or my money back for the fee and they said there is nothing they can do. 
Can you please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by XXXX XXXX XXXX XXXX OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX did, and this in addition to several other inquiries started after the XXXX data breach publicly known. I am a client from XXXX XXXX but this multiple inquiries were not authorized on XX/XX/XXXX and XX/XX/XXXX.