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

On XX/XX/XXXX came across this agency in a strip mall and on the window printed it stated can receive Fast affordable personal loans any types of credit and to build a better credit future, credit scores from XXXX or no credit scores. I decided to submit application online due to office was closed until XX/XX/XXXX at XXXX. Online offer prequalify for loan and submitted application, it came back that I prequalified for the loan, asked for my personal income and other information and after submitted it stated qualified for up to {$12000.00} in bi weekly or monthly payment. I looked at fine print stated that secured vehicle loan and after review closed website, received two phone calls from foreign accents contact me and stated was approved for loan and advised needed to transfer to another department for vehicle information, asked csr rep why was this approved and now asking for a vehicle for colleteral and it states no credit score or XXXX scores with guaranteed approval. then asked what is the percentage of black/african american applicants approved for this loan and that this false advertisement is only marketed to a certain race group within the community. The csr then advised she would cancel my application and hung up.
Product: Credit reporting or other personal consumer reports

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

AND according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

On XXXX XXXX charged my Capital One card {$180.00} for a defective product subscription that I had already canceled due to its failures. 

I disputed that fraudulent charge with Capital One which provided a temporary credit. However, on XXXX Capital One fraudulently posted a {$180.00} PURCHASE ADJUSTMENT without notifying me. 

When I discovered this Capital One failure, I immediately contacted their dispute department with proof of timely cancellation during free trial and confirmation of that timely cancellation from XXXX. 

The Capital One rep state that he would E-mail me a link to upload the XXXX written confirmations. He failed to do as he stated. 

I called back and spoke with another Capital One rep who stated that a letter would be mailed to me with instructions to upload the XXXX written confirmations. That never happened either.
Product: Mortgage

It was for tax year XXXX XXXX. XXXX did not pay our taxes. Well the third party failed to pay the taxes which caused us to be behind or possible foreclosure.
Product: Mortgage

My mortgage got switched over to Caliber home loans Inc. Mortgage Services as per XXXX 2016. I 've had nothing but problems with them. I have owned my house for 14 years and have had nothing but problems before and after they acquired my mortgage account.I have called them had spoken to costumer service they stated they do what they want not what I want and at the end of my inquire they ask me if there is anything else they can help me with, leaving me speechless. They do record the conversations and I do recall my conversations with them. Not applying funds on time, not complying with my request of payment history, annual report and all the activities recorded included late fees, attorneys fees applied to my account. Caliber Home Loan Inc. Mortgage Servicing refused to answer my question pertaining to my account. Caliber have refused to answer to my correspondence with inquiry pertaining with a double dipping payment caliber home loan is getting paid twice for the same negative escrow balance, not applying funds, submitting false allegation of missing regular monthly mortgage payments to chapter XXXX  trustee for missing payments modification. It 's like they want possession of my home.Problems : Service issuesBilling collecting issuesCostumer Service issues
Product: Vehicle loan or lease

In XXXX there was a car purchase in my name without the proper paper work they needed. The other person that was with me took them a fake check stub now he has the car. The dealership also know about this I have spoken with them the next day. They also states that they're going to remove my name. Yet they didn't. The dealership and the other party involved used that check stub and wilth all said I haven't worked in a year. The bank Westlakefinancial also have a fake check stub and they are aware yet didn't do anything about it. I gave been try to fix this since XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX on credit report # XXXX dated XX/XX/19 & Credit report # XXXX XX/XX/19 shows XXXX XXXX XXXX on both reports and paying on time and not late. Report # XXXX dated XX/XX/19 does not show XXXX XXXX XXXX on the report as it should. XXXX XXXX XXXX should show closed and paid off. XXXX XXXX XXXX has updated to all Credit Bureaus as a {$0.00} balance XXXX has deleted an account that was paid off and should not have deleted the account in good standing as for other credit accounts the same thing does not appear and have filed on accounts open and XXXX deletes them. I have also reported this to the creditors. XXXX takes months to update accounts creditors are reporting monthly
Product: Checking or savings account

Over a year ago, I notified Bank of America as soon as the transaction was taking place to reverse the transactions due to my being scammed through cash app and my bank account. I had to open a new account and, create a further XXXX authentication, and log in to my online app. I provided them with details that the scammer was saying transactions were not mine to make funds available to steal them through the cash app and then transfer the funds to a different cash app. I spoke to XXXX in the escalation department today after finding out that XXXX funds for my children had been taken out to pay for this fraudulent transaction I asked if I could pay on Friday here I go again continuing to pay for something that. I don't owe, and if they could make those funds available. I have been paying voluntary and involuntary payments to the bank for someone stealing my funds and felt robbed again this morning. XXXX then begin to belittle me and try to insult my intelligence in protecting myself and became insensitive telling me the debit was valid. I became livid and felt picked on after I told him to note again that this debit was fraudulent, which he did not do. I notified the bank of this issue while scammers were hacking my account in real time to stop them. I'm a victim of fraud and am not being protected. I'm filing a lawsuit as I feel completely taken advantage of. This has caused me so much stress and inability to pay bills to provide for my children and also emotional distress. My bank is taking advantage of me after providing all the proof, and they will not help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to manage my credit freeze and get a copy of my credit report. I have used Equifax 's web interface multiple times without success. Though I try to use myEquifax, I am unable to log on. Both these options direct me to call Equifax. When I call, I go through the call tree and end up with a message to contact Equifax via mail or fax. I mailed Equifax as directed over 4 weeks ago and have not received a response. 

I have tried to get my credit report and manage my security freeze for nearly 8 months now and have been unable to do so.
Product: Credit card or prepaid card

Where do I start during the pandemic I was issued a prepared debit card for unemploymet.I in XXXX opened XXXX claims.both claims were around the same time which. One claim was honored and one was not The excuses they told me why was because to much time had passed by .and I'm responsible for the unauthorized transactions.I have a big problem with this .being that one was already honored .so they re opened the claim they requested me to fax them a copy of my driver licence, a police report, and a letter of me explaining what had happened so I did all that for them .in order to help with their investigation.it is now almost going into XXXXand I can't tell you how many times I have reopened this claim.their excuses for not honoring my claim have no merit.because the other one was honored.and let me tell you that I was unaware and unable to ever see my online account because bank of america was constantly having my account frozen.passwords were not working it was so traumatizing for me at that time I I had become XXXX  it was winter I had no heat in my rv.because I was unable to have any access to my account.to get money for gas to run my generator.my parrots almost died for days I cryed please god let them turn my money back on to survive during this dezaster .they even laughed at me on the phone explaining my sufferiing.I just get the runaround.good greef. This is so not fair sincerely XXXX
Product: Credit reporting or other personal consumer reports

Today, I checked if I was a victim of the Equifax Data Breach and it turns out my information was impacted. 

Please delete the following accounts from my Equifax Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I had credit score of XXXX  on XX/XX/XXXX and as of yesterday it drop to XXXX my statement came out on XX/XX/XXXX for XXXX XXXX  credit card. The payment is due on XX/XX/XXXX. I called them they say the report what is due on statement on XXXX XXXX the credit bureau change reports want to made by really now they said I need to wait 10 days To see if the credit bureau fix it Most card card company reports after the due date not on statement reporting day They did also to my husband his drop 87 point
Product: Mortgage

In XXXX 2015, I received a letter from CHASE saying I was pre-approve for a home loan. Since I needed to get a refinance loan for my XXXX Mortgage with CHASE, I decided to meet with the CHASE representative in XXXX XXXX. I paid XXXX dollars for the appraisal and I want a refund of this money since I was assured the loan ( on XXXX XXXX, 2015 ) was a positive based on the material and documents I submitted. The appraisal came in at XXXX on XXXX XXXX, which was more than enough since the loan was for less than XXXX. On XXXX XXXX, 2015 I was informed I could get the loan if I came up with XXXX. As I informed the representative I would not have paid the appraisal if I knew in advance I needed to an extra XXXX dollars for the loan. 
Subsequently I applied with another Bank, XXXX ( XXXX XXXX ), and was able to refinance thru them. 
I did sent a XXXX page letter to the representative with attached documents supporting my claim and he inform me via e-mail they could not refund my appraisal fee. CHASE has not responded in writing regarding my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have my security freeze/suppression lifted from my consumer discloser report several times and it has not been removed in over a year. According to the fair credit reporting act this company is required to comply but has not. I have spent hours on the phone trying to get this problem resolved sent in documents etc but have yet to accomplish removing the security freeze or suppression from my consumer discloser report. This freeze is inhibiting my ability to obtain credit and putting a huge strain on my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account 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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 ) ( 1 ) 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: Debt collection

Navient student loan company harassing my father sending multiple false letters demanding past due amounts of fake student loans. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised by a Consumer Rights Attorney, These late payments on my account are against the law and I need them removed as soon as possible. 15 u.s. Code 1681a ( 2 ) ( A ) ( i ) states that my consumer report should not contain information regarding transactions or experiences between me and person making report. A LATE PAYMENT IS A TRANSACTION AND A NEGATIVE EXPERIENCE, therefore this account is illegal. THIS IS MY LAST TIME TRYING TO RESOLVE THIS, A LEGAL COMPLAINT WILL BE FILED IF THIS ISN'T FIXED.
Product: Credit reporting, credit repair services, or other personal consumer reports

yes i have contacted this company to have the wrong inforamtion they are reporting removed from my account and yet it is still showing well after the time frame that was allotted for them to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

These medical accounts are not verified as mine. The credit bureaus have not sent me any documents or any consent that would prove that it is really my account.
Product: Money transfer, virtual currency, or money service

Incident Description I received a phone call that the XXXX people pretended to be national government. They have all the information on my XXXX XXXX ID card and my passport as well. They also know my address and phone number. They said I was involved in criminal activity and they need to investigate my fund. I made two international wire transfer from Bank of America to XXXX  XXXX XXXX XXXX XXXX. I made XXXX dollars on XX/XX/XXXX and XXXX on XX/XX/XXXX. I contacted bank of America and their department of wire transfer was closed and they have not tried to recall the tranfer yet. I tried to contact bank of XXXX XXXX XXXX and they said that they can not provide any client information to me. I tried to explain fraud and they said will wait for police action. I tried to contact XXXX police and they only told me to file an online report and the waiting time is not guaranteed. I contacted XXXX and XXXX mainland police and they made me to contact back to XXXX police. Two banks also told me to call the other bank and I was in the loop.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Mortgage

XXXX XXXX had a due date of XX/XX/22. We were made aware on XX/XX/22 the payment had not been received and a phone call was made to PennyMac explaining the urgency of getting a payment made. The call turned into a 3way call with Insurance Agent on the line. PennyMac was given an overnight address to send the payment to and instructed a payment needed to be sent overnight to prevent Insurance Policy cancellation. 
Then on XX/XX/22 our Insurance Agent reached out saying payment still hadn't been received. We called PennyMac again asking where the payment was. They informed us it was snail mailed on XX/XX/22 and would take 10 days to get there. 
Then on XX/XX/22 our Insurance Agent reached out again saying payment still wasn't received. So, we called PennyMac again asking for confirmation on check info to Insurance. We were then informed the payment was actually mailed on XX/XX/22 via Ground shipment and would take 10 days. Because of all the conflicting information, we asked to speak to a manager. Every excuse was made to not transfer us to a manager at PennyMac. During this phone call we were told every action would be taken to get a payment out overnight. 
On XX/XX/22 our Insurance Agent reached out saying payment still wasn't received. We then proceeded with a 3-way call to get PennyMac on the phone. PennyMac failed to get someone on the phone who could help us and even hung up on us when we were trying to explain the situation.
Product: Credit card or prepaid card

I applied for Bank of america travel rewards visa signature credit card online. But i come to know that it is rejected with the following reasons : Too many accounts were recently opened Limited deposit and/or investment balances with us and/or our affiliates. 

This is so weird and strange reason, as they themselves has mentioned that my FICO credit score is XXXX ( XXXX  ). On the 3rd page the reasons provided are not in sync with the reasons provided on the first page. I am attaching this letter. 

In XX/XX/2019, I paid off my entire mortgage loan and having score of XXXX - i am wondering - what exactly Bank of america is looking for? 
Moreover it's is this bank of america which is providing me this offer at XXXX  XXXX and it states " GOOD APPROVAL ODDS '' if i apply for it. 

It doesn't seems to be fair and good business practices as first you provide the offer to the potential customer and then deny their application. In this process - you have put a hard inquiry in the credit file also. 

Regarding " Limited deposit and/or investment balances with us and/or our affiliates. '' - i have Business and personal credit card with Bank of america - so i have no idea what they are talking about