23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Ms. XXXX and her colleagues are liars. They have already been caught contradicting themselves. 

What's more, Ms. XXXX stated she has confirmed that my application was received through pnc.com and not XXXX XXXX XXXX promotional link, yet she has failed to provide proof of such indictment ... STILL. 

This core deceptive 'bait and switch ' business practice is completely unacceptable. And since they still after all this time refuse to give me my credit, as promised, and won't even show documentation to back up their weak and unsupported claim, they are non-compliant with the UDAAP and the DoddFrank Wall Street Reform and Consumer Protection Act and they must be punished ...
Product: Checking or savings account

On XX/XX/XXXX I mobile deposited a check for {$40000.00} into my primary Chase checking account ( which also has my wife 's name as a co-owner of the account ). My mobile deposit limit is {$75000.00}. The check was written on my wife 's account at XXXX XXXX XXXX. 

I received instant confirmation that the check had been accepted but none of the amount was immediately available. ( I did not object to a short delay. ) Within 48 hours the money was pulled from my wife 's account and I received notification that there was an " extended '' hold on the funds until XX/XX/XXXX. 

Since XX/XX/XXXX, the money has been in limbo ; not in my wife 's account, not in our joint account. 

There was no explanation from Chase as to why they placed an " extended hold '' on my funds and in fact, I received no communication at all from them. On XX/XX/XXXX I contacted Chase online about the ridiculous hold and they directed me to the " fraud '' department. 

Today I called the fraud department and inquired as to why there was a hold. They refuesed to answer with anything more than " policy ''. No explanation of what that policy is or why it was invoked in this situation. Moreover, I asked where the money was since it was neither in my wife 's account or our joint account. They again refused to answer. 

I was then asked what the purpose of the check was. I advised that was none of their business. 

After being on hold for XXXX minutes, Chase advised they had called XXXX XXXX XXXX and confirmed the check and had released the funds to our joint Chase account. 

There was literally NO reasonable explanation offered for why the extended hold was placed, or where the money was ( we know of course Chase had the money and was enjoying an interest free loan of {$40000.00} ). 

This was a remarkably insensitive " it's just our policy '' explanation and ignored the fact they were clearly illegally denying me access to my funds. 

As the " customer service '' fraud agent proudly congratulated himself on getting my money released ... ..I asked ... .since it was that simple, why didn't you do this 7 days ago rather than deny me my funds? No answer. 

This just can not be allowed to continue as a business practice.
Product: Mortgage

I have asked US Bank to immediately correct their credit reporting of Loan # XXXX and to stop sending me monthly bills and late notices. The Bank accepted a Deed-In-Lieu-of-Foreclosure which was completed on XXXX XXXX, 2015 yet they continue to send me a monthly bill for this property and continue to report an outstanding balance and late payments on my credit report IN OBVIOUS VIOLATION OF THE FAIR CREDIT REPORTING ACT. The Bank accepted the Deed-In-Lieu-of-Foreclosure and subsequently agreed to release my obligation but they continue to harass me endlessly with statements and reporting my credit incorrectly.
Product: Debt collection

I am writing to formally lodge a complaint regarding inaccurate and incomplete credit information contained in my credit report. I am distressed to find that the information in my credit report profile has not been maintained with reasonable procedures to ensure the maximum possible accuracy, as mandated by credit reporting laws. It is crucial to emphasize that credit reporting laws require bureaus to report only 100 % accurate credit information. Every measure must be taken to assure that the information reported is entirely accurate and correct. Unfortunately, the following information appears to be inaccurate and incomplete, necessitating a thorough reinvestigation : XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX. I respectfully request that you provide proof of the alleged items listed above, specifically any contract, note, or other instrument bearing my signature. In the absence of such evidence, I insist that these items be promptly deleted from my credit report. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).
Product: Money transfer, virtual currency, or money service

Sezzle Virtual Card has not reported my account as paid in full since XX/XX/2022. I deigned up for their service because they report to the XXXX bureaus. They have not reported and this is affecting my credit utilization they are in violation of their terms and conditions and I would like to file a complaint against Sezzle.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/2022, I mailed a Validation of Debt [ Exhibit A ] and Cease and Desist Letter [ Exhibit B ], to UPGRADE with specific demands to identify the original creditor, provide copies of the original lawful contract signed by both parties in wet ink, and provide validation of the alleged debt ( actual accounting ). These letters were sent via XXXX Mail # XXXX [ Exhibit C ]. UPGRADE received these instruments on XX/XX/2022 and chose to not return the Domestic Return Receipt. Respondent was given thirty ( 10 ) days from day of receiving Validation of Debt to provide proofs of claim, point for point ; however, Respondent chose to either remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted. Respondent has agreed and stipulated to the facts and agreed that the undersigned Secured Party can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper. 

AFFIDAVIT OF TRUTH Formal Affidavit of TRUTH [ Exhibit D ] was sent to UPGRADE as a result of their failure to comply with demands stated in the Validation of Debt Letter. Said Affidavit of TRUTH was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022 [ Exhibit E ]. Respondent sent a copy of its permission to pull credit not signed by me and a copy of a generic contract that too was not signed by me. 

Conditional Acceptance Formal Conditional Acceptance [ Exhibit F ] was sent to UPGRADE as a result of their failure to comply with demands stated in the Validation of Debt Letter, and Non-Compliance Affidavit. Said Conditional Acceptance was sent via Certified Mail # XXXX [ Exhibit G ] dated XX/XX/2022, and received on XX/XX/2022 [ Exhibit I ]. 

NON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by UPGRADE, having not received and showing no record of response to items listed in my Conditional Acceptance sent via Certified Mail # XXXX [ Exhibit G ] dated XX/XX/2022, and received on XX/XX/2022 [ Exhibit I ] said Conditional Acceptance to Cure is now in Default. 

NOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of UPGRADEs failure to cure and honor, Fault places UPGRADE in Default. For the course of dealing, set forth herein, with UPGRADE failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, Conditional Acceptance, and Notice of Fault and Opportunity to Cure, constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Notice of Fault and Opportunity to Cure. Further Affiant saith not.

All documents have been sent to Upgrade and are too large to share in this format. They can be provided if requested by an outside party.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of XXXX XXXX account number XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my Mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the following accounts were Deleted off my credit report from Experian Results Report Number : XXXX Date Generated : XX/XX/XXXX XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 

Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 
Deleted XXXX  XXXX XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 

THE ACCOUNTS WERE PLACED BACK ON MY CREDIT REPORT
Product: Debt collection

I purchased a XXXX XXXX cell phone from XXXX. I was hospitalized in XX/XX/XXXX, was off work, returned to work XX/XX/XXXX. In the months I was off work, I received letter from XXXX XXXX account in Suspension, balance due {$230.00}. 

The account has been turned over to Convegent Outsourcing , Inc. My original call to Convegent they  insisted that I provide them with a credit card number, with the payments being taken out of my account by charging my card every month. I told the representative, I would be paying the account to them with a check/payment coming from my bank. The representative insisted that I had to make they arrangements with them the way they stated to me. I told the representative I have made a payment to Convergent, you will receive the payment within three days which they received 7 days before the XX/XX/XXXX. Calls from Convergent were coming up on my cell phone and I also received 3 call from them to my home phone, which I never gave them. I returned their calls last week or earlier this week, told the representative the same conversation I had with the other representative previously. Today, Saturday, XX/XX/XXXX, on my home phone and its XXXX XXXX from Convergent, telling me they tried to charge my credit card on XX/XX/XXXX and the charge was denied. I said let me repeat this again, " there might not be any funds on the card on the XXXX of the month, my bank will send payment/check before the XXXX of the month, XXXX XXXX, started raising his voice, tell me I can not make that arrangement. I proceeded to hang up the phone. 


This is definitely continuous harassment. The payment are being made and paid before the XXXX of the month.
Product: Debt collection

XXXX indicates date of service as XX/XX/13. This is almost 10 years. A debt that I don't know if it's mine and/or if it was paid off, since I have always had Health Insurance XXXX They say I owe the debt to XXXX XXXX XXXX XXXX. XXXX does not indicate who the Provider was.
Product: Credit reporting or other personal consumer reports

Transunion failed to provide accurate information to the FTC and CFPB regarding an eviction that was reported on my credit report. Section 607 ( b ) of the Fair Credit Reporting Act requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer report information concerning the person in question. Reasonable procedures to assure maximum possible accuracy isnt a wish, a hope, or a lofty aspiration. Its the law. 

Failed to take steps to produce accurate reports : The company violated the Fair Credit Reporting Act by failing in numerous instances to take steps to assure the maximum possible accuracy of eviction records in its rental background check reports. For example, the company failed to assure that its reports reflected the current status of public records. This included failing to share information showing that an eviction was dismissed and not preventing the inclusion of sealed records or multiple entries about the same eviction case. As eviction data is often weighed heavily in assessing rental risk, inclusion of inaccurate and duplicative eviction information is particularly harmful to renters and their families. 
Failed to identify who provided inaccurate information : When the company obtained criminal and eviction records from third-party vendors, it failed to identify the third-party vendors in its disclosures to consumers. Instead, the company told people that criminal and eviction records were taken only from the jurisdictions where the proceedings took place. People trying to find a place to live did not know it was a third-party vendor that they needed to contact to correct inaccurate information.
Product: Mortgage

I've had issues in closing our mortgage refinance with XXXX. This has been an issue since XXXX and we've missed several closings due to incorrect or missing closing disclosures. 

We've constantly had the wrong loan amounts, different pre-paids that have been inaccurate, different escrow amounts which have been inaccurate, fees that aren't called out on some closing documents and then called out on others. 

Every time I've sent over the correct amounts of what I would expect to see and asked for explanation. I've sent over numerous closing statements from my current mortgage lender showing what the amounts should be to pay our loan off as we are just refinancing ( no cash out ) and we're bringing cash to close for everything else ( so not rolling into our mortgage ). I've yet to get any clear answer or an accurate closing disclosure. 

On our most recent closing disclosure our loan amount is still wrong, plus they have the wrong payoff amount. The solution they have provided to us is " well if you overpay, you'll get a refund from your current Mortgage provider and then can put that back into your new loan to bring it back to where it should be. '' Several issues with the above - first, that is just wrong to ask someone to take out more of a loan than they need/asked for - even if it gets refunded. That takes time to happen and during that time you're paying extra interest on a loan amount you didn't need in the first place. Further - if you didn't pay that extra back to your new mortgage you'd end up paying extra interest on something that was already paid off on your first loan. Second in this case, they are asking that not only do we take out a bigger loan than we need, but bring extra money to close to cover to difference in the wrong loan amount and the wrong payoff amount - that is an extra {$1500.00} that we are supposed to bring to close. Overall with that plus the wrong loan amount means that we are overpaying by {$3900.00} ( {$2300.00} from the difference of how much we actually owe on our current mortgage and how much they say our new loan is + the {$1500.00} that we would need to pay to cover the difference between the new wrong loan amount and the wrong payoff amount ). 

I'm at a loss for why this seems to be so hard to get correct and that we're being asked to do something that isn't right for the loan. Additionally - the newest closing disclosure has a new Title processing fee for {$120.00} that wasn't there on any of our previous closing documents.
Product: Credit reporting or other personal consumer reports

Federal Regulations Fair Credit Reporting Act, Fair Accurate transactions act 2003. 


XXXX XXXX sol Homeowner at XXXX XXXX XXXX XXXX XXXX MO XXXX file a dispute on XX/XX/XXXX because of XXXX mortgage Address Discrepancy as a result of Identity Theft reporting to all three credit bureaus inaccurately reporting as fraud on all three credit reporting agencies Equifax XXXX and XXXX inaccurately. Federal Regulations Fair Credit Reporting Act and Fair Accurate Transaction Act 2003. The proper disposal of all consumer information from every financial institution and credit reporting bureau must be removed because of the fraudulent address discrepancy reported as a result of identity theft from XXXX mortgage financial institution is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXXXXXX, CAPITAL ONE XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat, payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

XXXX XXXX XXXX XXXX sent me a letter on behalf of XXXX XXXX XXXX original creditor is capitol one ending in XXXX ref number XXXX total due is XXXX. this is not my account nor did I ropen this account ever in my lifetime,. It is n't on my credit report nor has it ever been listed in my credit report ever. they can be reached at XXXX XXXX XXXX. they do n't want to XXXX me all the want is my XXXX XXXX XXXX XXXX XXXX XXXX money. XXXX them I do n't owe them. They have a very poor rating as a scam company after researching on google. this is the XXXX letter I have received from them in XXXX years .. I would like it if you can help me purge myself of these insidious predators. working in a bolier room to steal mine and others money.
Product: Debt collection

The account was paid in full in XXXX XXXX The payment took over a week to process. 

Received an email on XXXX XXXX XXXX that they confirmed a verbal authorization ( which they did not receive from me ) to change my renewal payment, frequency and total. 

My total went from {$0.00} to {$1200.00} I disputed this through XXXX. The status of this collection went from being " charged off. {$640.00} written off. {$850.00} past due as of XX/XX/XXXX '' to " Repossession. {$640.00} written off. {$1200.00} past due as of XX/XX/XXXX ''. The couch was not repossessed as I'm sitting on it right now. It was in fact, paid in full. 

I am including all payments made, correspondence, and screenshots proving that ( 1 ) this debt is paid off and ( 2 ) that this company is reporting false information on my credit report which is a violation under FCRA for which there is a fine for {$1000.00}. 

I would like this account removed from all credit reporting agencies and bureaus.
Product: Credit card

I have a First Progress Secured Card. I closed my secured card account on XX/XX/XXXX after having problems with their customer support and high interest rates. I was told within XXXX days I would receive my security deposit of XXXX on my secured card. XXXX days later I had nothing. I called XX/XX/XXXX and was told by an agent that looked into the account that there was a mistake and no one ever sent the check. So they promised me they would take care of it and make sure the check was sent and mailed to me by the next XXXX  days. XX/XX/XXXX still no check its been over a month and they are holding money I need making interest on it. I called and asked to speak to someone they said the same thing of XXXX days, I then spoke to a supervisor who told me that it would take XXXX days. I was upset. I asked why he said it is internal policy of first progress not to share that information. I told him how can my money be instantly credited but take XXXX  days to be returned he said it takes XXXX days for them to process the check and then hold for XXXX he also told me he couldnt tell me why it takes XXXX  days to write a check. He said the back office is the only ones who know anything about payments and he said their is no contact with them except writing a letter. I also asked why every person I spoke to told me XXXX days and why their was no disclosures on the card or card information showing XXXX days. He didnt provide an answer. I still havent received my money and want a reason as to why they can hold consumer money for so long if they can instantly process consumer money. It is predatory holding and beyond that they charge fees such as having to pay an extra XXXXXXXX XXXX for an agent making a credit card payment through the phone. I dont want anyone to go through this experience and want to save them the hassle. Their is numerous complaints on this company and many have had the same experiences.