23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  web site posts your XXXX  score as one value but provides a different, lower value to lenders. Their explanation is that the posted value is a CONSUMER score, not a XXXX, however their website specifically says XXXX score. So, believing I had a qualified score, I applied for a VA refi with XXXX, only to be told my " XXXX '' score provided by XXXX  was almost 50 points lower but offered a refi at a rate higher than for which I believe I would have qualified. This smells of a bait and switch scam between XXXX  and the lending industry.
Product: Mortgage

Veterans United employee XXXX XXXX pulled my credit report without my permission. He pulled a XXXX XXXX XXXX equifax credit report and merged it with my XXXX and XXXX credit report. XXXX Mortgage which was hired to pull my report, sent me XXXX XXXX XXXX credit report with all her personal information on it. I am guessing they sent her mine. This is a clear violation of the Fair Credit Report Act. I received an email from him saying that if I do not control my XXXX condition then he will not talk to me or work with me. I requested that he remove the inquiries from my credit reports. As of today, Veteran United has blocked my phone number. They have demonstrated discrimination practices against being a XXXX Veteran and XXXX XXXX Woman. I told him and his manager that I suffer from an XXXX and when they trigger my condition then my symptoms flair up. They continued to ignore my pleas. Now they have accessed my credit report swithout my permission. They have blocked my phone number. They have snubbed me after violating Fair Housing and Credit Reporting laws by accessing me and another woman 's credit report and merging them. By doing this they created a false credit score and decreased my credit score with this inquiry. I am concerned about identity theft with Veteran United. I want to be made whole. I want this mortgage inquiry removed from all XXXX credit reports ; XXXX, XXXX, and XXXX. 

XXXX XXXX
Product: Debt collection

They keep reporting medical bills on my consumer reports and Ive notified them and asked for validation and Im not getting any results they keep saying it meets Fcra regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX, IL The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/2000
Product: Credit reporting or other personal consumer reports

MOHELA/XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting

Telephones Synchrony Bank to Payoff my Account with a Representative XX/XX/2017. 
They were given the Account Number including my check routing # to Representative however when Representative processed these 2 payments, it came back to Synchrony Unable to Process. 
I learned of this being Posted to All XXXX Credit Bureaus, Seeing the Account in Closed Accounts area with the Remarks " Account closed by Credit Grantor ''. I immediately telephoned on XX/XX/2017 to Discuss the Problem about my Account being closed. At this time I was informed about the Two Payments did n't Process. I inquired why I was not notified by phone or Email when I had made all payments to the account the same way. XXXX in the /customer Service Dept. apologized and Advised me it would be Corrected & sent out t All XXXX Credit Bureaus. 
Upon receiving my letter from Synchrony I went in to Check but only to Find that My Fico Score went from XXXX or XXXX and Dropped to XXXX?? WHY??? It appears that I try to go Forward Only to Find that I Go Backwards..!! Any Explanation as to WHY MY FICO SCORE DROPPED XXXX Points?? I would be Very Appreciative..!!
Product: Credit reporting 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. The XXXX XXXX Account number XXXX is in violation of my rights to privacy in accordance to 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

On XX/XX/XXXX, I went to Conn 's to purchase a Washer/Dryer set. The sales lady was a new lady who messed up the initial contract that she typed up, she had to call customer service and have them cancel it. The sales lady continued to make errors to the point that her manager got involved and drew up another contract. I was offered 12 month same as cash payment, however, I have noticed recently, that I have been charged interest for the last 8 months of {$29.00} per month ( for a total of {$230.00} ). I led a complaint with Conn 's, and the rep notated that at the time of my purchase the 12 months same as cash was available and he told me to call the Store Manager, which I did. The Store ManageXXXX notated that he would send Conn 's Corporate XXXX  an email. Today Conn 's told me that they will not honor the 12 months same as cash. I have to also note that this is the 2nd complaint I have led with Conn 's regarding the same sales lady. Back in XXXX, I led another complaint regarding them charging me for insurance, when I clearly told the sales lady that I had home insurance. Conn 's had me send them my paperwork and have since removed the insurance. This is 2 complaints within 3 months regarding this same sales lady who messed up the original contract XXXX or supposedly XXXX. I was told 12 months same as cash payments ... I did not just pull that out the air and Conn 's veried that it was a 12 months same as cash payment sale going on at the time of my purchase. I want this investigated and am also ling complaints with other organizations against them. Conn 's has taken an extra {$29.00} in interest for the last 8 months, when I should not have been charged any interest.
Product: Mortgage

On XX/XX/XXXX of 2019, XXXX XXXX sold my mortgage to Specialized Loan Servicing. 
Before the loan was sold I owed XXXX XXXX XXXX in charges due to an attempted foreclosure in three years ago. I challenged XXXX XXXX in there assessment of these fees and they investigated the charges. I accepted their charges. Now since my loan has been sold, they say those charges are XXXX, XXXX almost three times the amount on the XXXX XXXX loan. I had SLS ( Specialized Loan Servicing ) investigate those charges and they came back and said no that is what you owe. I have XXXX XXXX statements saying that is what I owed, and now I have SLS telling me no that is not correct. You actually owe over XXXX. Then during the process of transferring my loan, some of my payments went to XXXX XXXX and instead of sending them onto SLS like they stated they would, my loan payments were late and so SLS charged me over XXXX dollars per late payment. I think this is unfair practice on both their parts. I want the CFPB to investigate why I must pay more to SLS than what XXXX XXXX said I needed to pay, and why my late charges were not taken off by SLS.
Product: Debt collection

CKS PRIME INVESTMENTS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX - Debt Buyer XX/XX/XXXX XXXX  account. {$710.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX I dont have acknowledge of this company I do not owe them anything I dont have any obligation if I never had any contract or business with them
Product: Credit card

Received an email invitation to open account with First Progress card, Synovus Bank. Filled out application for what was " advertised '' as a credit card. Deposit of {$200.00} was required which I paid. When I received the card, the only " credit '' I had available was the {$200.00} I paid less a {$49.00} membership fee. Effectively, I was sent a " debit '' card, NOT a credit card so it was false advertising from the start. I did use the card but was only able to use it once for a lyft ride and then several times at XXXX, a local grocery chain. Other locations didn't recognize the card at all. 
Since it was effectively my money, I don't understand why I am being charged interest and late fees upwards of {$150.00}. The card was cancelled in XXXX of this year. I have a " supposed '' credit balance of {$43.00} on the card which the company refuses to refund. I have no intention of paying these late fees and interest as I know I have been misled, and taken advantage of from the very beginning. I expect to have this debt of {$150.00} stricken and removed from my credit report. This was a card billed as a way to help build my credit rating, not damage it. I think the whole thing is a sham.
Product: Credit card or prepaid card

Macy's/citibank account : XXXX charges were incurred at some time before this date. payments were not made from XXXX XX/XX/XXXX as this was Fraudulent activity on my account that I was unaware of. In XX/XX/XXXX this was determined to be fraud by Macy's/citibank. When I called on my Macy 's account after finding this to be on my credit reports in XXXXXXXX, they transferred me to the debt recovery department. They tell me every time that is was determined to be fraud and I was not liable. Yet- when calling, it says this account is in debt recovery. I asked to speak with someone in the Fraud dept and if transferred am cut off every time, if not transferred I am told to the only way to rectify this is to write a letter only through he USpostal service to rectify and there is no one I can talk to live. This was determined to be Fraud in XX/XX/XXXX. That was nearly 2 years ago and they have not rectified with the Credit reporting agencies- of which it should never have been reported to in the first place. I wrote my letter to request them to rectify in XXXX they stated they only received it on XX/XX/XXXX. The postal service does not take that long. They put this into investigation for the next 30days. If their own Customer Service has stated every time I call that it was determined to be Fraud by their investigation- in XXXX why are they having to further investigate this for 30 days? I have another Citibank Card that will not be reissued- due to this, I have not gotten a loan at an acceptable rate due to this. My credit will take another hit if I have to reapply fort the Citi bank ( Costco ) card that will not be renewed and this is 100 % the Fault of Macy's/citi bank- yet they are saying they need to investigate again!. Why is this allowed? They made the mistake. Then did not fix the mistake. They are taking an additional 30 days to investigate something they got an answer for 2 years ago. This has cost me hours of looking into.
Product: Credit reporting or other personal consumer reports

XXXX credit report shows tradeline Sallie Mae # XXXX, # XXXX and # XXXX late payment date XX/XX/XXXX. The report also show 's 60/90 days delinquent in XXXX, with payments being made i XXXX of XXXX it shows Terms {$0.00} for 72 months. These loan were included in a XXXX in XXXX. The Bankruptcy Code provides three exceptions relating to educational obligations, These Loans met the criteria for dischargeable as 1 they were not Federal Direct Loans, old Federal Family Education Loans ( FFELs ), and state guaranteed loans 2. A private student loan is not a scholarship or stipend, and the overwhelming body of judicial authority finds that it is not an educational benefit either. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; In re XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). That a private loan is an educational benefit is inconsistent with the full text of 11 U.S.C. 523 ( 8 ), and 3.They did not provide validation that a private student loan is a qualified education loan under the third exception. 
XXXX tradeline shows contradictions in dates of delinquency ( last payment ) XXXXXXXXor XXXX or XXXX XX/XX/XXXX. 
Tradeline does not show inclusion of XXXX XXXX claim status.
Product: Credit card

Purchased a sofa and love seat, and a bunk bed set from XXXX XXXX XXXX XXXX. Upon delivery we found the item not to be as described and expected. The furniture was advertised as having removable cushions and wooden legs. The cushions were sewn in and had ugly plastic legs. The top of the bunk bed set and the bottom of the bunk bed would not fit together. We contacted the store and attempted to resolve the matter. They did nothing about the sofa and love seat but brought us another bottom bunk bed. Upon assembling it we learned that while it fit together, it was XXXX different colors and did not match. We again contacted the store numerous times and they did not contact us back or return any phone calls. We filed a dispute with Bank of America and right off it was denied. We questioned this and was told told they did not get certain info which they had. We sent in more. It was denied again. They said the receipt was not detailed enough. We had sent in the receipt that the store gave us. We did not understand why we were being punished because of the type of receipt the store issued. We questioned it and were told that they would look into it. Got a letter denying the claim. Never specifying exactly why. Just that it was. Spent months dealing with this and still do n't know exactly what, if anything Bank of America did in an attempt to investigate the dispute and exactly what we received. What we purchased and what was actually delivered was not the same. Not even close. And as far as I can tell they never did anything to determine this.
Product: Credit card or prepaid card

Card was hacked I was not notified till I received my statement. Account closed for no reason. Have spent hours with customers service only told someone will call back noone dies
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I have 2 late payments on an account ( XXXX  XXXX ) that i was NEVER late for. 
According to the consumer law 15 USC 1666 ( B ) a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

15 USC 1681 SECTION 604 ( a ) section 2 states a credit reporting agency can not furnish an account without my written instructions. 

The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for " XXXX XXXX ''. I have included screenshot inside this complaint in on dates of XX/XX/year> and XX/XX/year> ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thank you very much! 
Please see screenshot attached
Product: Money transfer, virtual currency, or money service

Chase is currently overcharging for transactions in GBP. The current exchange rate as of XXXX XX/XX/2018 is XXXX USD/XXXX GBP according to XXXX. Chase is exchanging at XXXX USD/XXXX GBP. They are charging me XXXX Pound Sterling ( GBP ) to XXXX U.S. Dollars ( USD ) not including their {$40.00} wire fee.
Product: Money transfer, virtual currency, or money service

To whom this may concern : My name is XXXX XXXX Please help me, I've been a victim of misscommunication or fraud and inconvenienced from my on line financially institute named N26 A on line banking system where my clintes money goes into for my local XXXX XXXX  services. I was recently given a grant for {$5000.00} from the government and have records and screen shot and emails of proof. N26 flagged it and froze all of my funds. I have over {$8000.00} or about {$9000.00} in this account and exactly {$5000.00} in savings. I get NY state unemployment deposited into this accouht every Tuesday. N26 institute refuses to release the hold and I'm literally at a stand still and have no other banks or savings. This could take over a month or who knows how long. Today is Friday and all institutions are closed for the weekend. I have my birth day coming up this Monday and I have XXXX young children to feed and take care of. I made reservations at a log cabin upstate NY to take my family camping next week this Sunday for my birthday week. I also have my bills to pay and my car payment is due and other bills I had saved for like my modified loan payments for my mortgage to refinance my home soon. Thie is my livelihood and all my savings. I made a complaint also to the FDIC and I dont know when or how soon anyone will get back to me. From what I read on XXXX this could take days weeks or even in some cases month 's and now we are approaching the weekend. The XXXX of the US government who gave me this XXXX XXXX  grant had even said to me on the phone last night that, N26 or any bank has no right freezing all of my funds that are not tied to their suspicions or red flags on my account or suspecting the grant or my unemployment as fraudulent especially in this time of the pandemic due to the fact it clearly states my funds recently are mostly deposits from NY state and the government. I've been receiving my unemployment for about 2 tp 3 months now and the grant was deposited on XX/XX/XXXX. So as of yesterday afternoon I have been at a standstill with no access to any of my funds or savings and now the weekend dawns upon us. Please help me resolve this as I have bills due and my unemployment being deposited into this N26 account who has totaly inconvenienced me and has no answers for me till further notice. They won't even speak to me, they only e mail me and I waste my breath and energy and time with call center representatives who have no answers for me. Please Call me at XXXX XXXX XXXX my email address is XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that I believe to be unverified and not valid. I have reached to all three credit bureaus ; XXXX XXXX, Experian, XXXX via letter mail with detailed information of the inquiries in question and have informed them of my issue and requested that they either provide me with proof and validation of these inquiries or remove them from my credit report immediately. Two of the three bureaus responded with copies of my credit reports and letters stating that they would investigate further. I have not heard back from XXXX. After allowing the bureaus 30 days to respond and complete their investigation, they reply with statements saying that the inquires in question can not be found or that the investigation has been complete and send more updated copies of my credit report. The credit reports clearly indicate the same inquiries I am disputing and they remain unverified on my credit. This is an ongoing issue between me and the credit bureaus since early XXXX of this year. They are not providing me with the appropriate information and have not removed any of the unverified inquiries from my credit report, resulting in a present negative impact on my credit score.