23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Today XX/XX/2010 ; XXXX XXXX  on a call with Quicken Loan representative XXXX XXXX ( my not be correct spelling ), I indicated numerous times that I am interested just in getting a range of mortgage rates for the scenario that I have and he stated the range is 3 % And I made many comments that he is not authorized and quicken loans have no authorization at this time to pull my credit, because I am aware of the impact on my credit report. I mentioned to him I am a banker and know the impact please know that you can not pull my credit report. 
After giving me a range of 3 % and continually telling me pulling my credit will have no impact, I responded No do not pull my credit under no circumstances. 
As soon as I hung up I received notification that quicken loan just has pulled a hard pull on my credit. 
For the last hour trying unsuccessfully get this issue reversed with XXXX/ the person whom I spoke does not pick up the call and other representatives are telling me that they did not pull my credit, meanwhile I have credit report reflecting it. 
XXXX XXXX dose not have an option on line to dispute and phone calls ends in a chain of That has no such an option
Product: Credit reporting, credit repair services, or other personal consumer reports

ZIONS DEBT HOLDINGS submitted a collections to my account. I asked them to provide proof that the debt was correct because this had been previously submitted by XXXX XXXX back in XXXX. XXXX sent me a contract that I signed in XXXX for 3 years. They said that XXXX has XXXX that my account was on contract until XXXX and that my contract was valid. I told them that I cancelled that contract on XX/XX/XXXX and they said to provide proof. At the time I did not have access to my records. I have requested additional proof, but not received anything except text messages saying they will remove this from my credit report if I pay {$300.00}. I contacted XXXX / XXXX, but they have not provided me with any requested records though they emailed me saying that the last know payment was in XXXX. ( I will attach email. ) I submitted a dispute resolution with XXXX 2 times. I submitted the documentation from XXXX XXXX XXXX with everything they sent me including the billing summary showing that my account went initially delinquent on XX/XX/XXXX. Thus the account is over 7 years since it was current. XXXX said that they researched the case and found to be valid.
Product: Credit card or prepaid card

XXXX XXXX Applied for a credit card XX/XX/XXXX- Called as card was not able to be activated online, after 45 minutes of back and forth on hold customer service rep told me it was activated and there should be no issues XX/XX/XXXX, called again - was transferred to fraud, then back to customer service, then to fraud, back to customer service. XXXX and customer service rep told me no issues are on the card and do not know why its blocked, however was finally transferred to " account Verfications '' who asked me to fax ID and SS proof to Barclays. 

XXXX XXXX Faxed requested documents XXXX XXXX Called Barclays and after one hour with a customer service rep, she said they would send me a new card but she doesn't see what the issue is or why I can not use the cards. Account is still blocked online! Spoke to XXXX. 

I already paid the annual fee of {$95.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo invited me, by letter with my card #, XX/XX/20 to possibly increase my credit. Letter said no credit pulled w/o permission. I called #, and was assured they wouldn't the same day a letter was drawn up and based on credit report, which I did not give them, and reinterated 2/3 X pls. don't pull credit report. They DID anyway/ Are they getting a kickback. Are they seeking out the elderly? Why would they send me that invitation? Elderly people are being scammed by W>F. Spoke w/ XXXX , XXXX , and XXXX , after receiving the denial written SAME DAY they said they wouldn't. I am XXXX years old.
Product: Debt collection

TD Bank USA? target credit card is reporting a account on my credit report that was not opened be me
Product: Mortgage

I own home at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX. My mortgage company is XXXX XXXX XXXX. On XX/XX/2019 I sent a request via fax to remove mortgage insurance premium on XX/XX/2019 since I meet the the borrower initiated cancellation guidelines that includes : 5 year loan time period ; no late payment within the last 12 months and reached 78 % threshold or less of home value. Mortgage service denied request onXX/XX/19. I resent information for rebuttal and dispute on XX/XX/2019 and received correspondence on XX/XX/2019 that it has been denied.
Product: Mortgage

I bought a house in XXXX Tn XXXX XXXX XXXX. XX/XX/XXXX. After moving in, everything went bad. Furnace went out after four months, split AC unit went out after 10 months, water damaged spots started appearing on every ceiling. The roof is leaking. There was an undisclosed fire in XX/XX/XXXX, an undisclosed flood in XX/XX/XXXX, and an undisclosed foreclosure from XX/XX/XXXX to XX/XX/XXXX, our home insurance company refuses to pay for a house with pre existing conditions. The house is covered in black mold, walls are crumbling, floors buckling, roof leaking, siding that is rotting from the outside in. The appraiser never checked a minimum requirement and Fairway Independent Mortgage Company accepted a termite inspection that was done by an unlicensed inspector, the sellers agent was not licensed, our realtor intentionally frauded myself and my wife. After looking through my closing papers, and receiving the closing papers from the Fairway ( I had to ask them several times ), i realized important documents were hidden from me and some omitted from Fairways closing papers. My emails and my wife 's emails were hacked. My wife grew up with my realtor to top it off. This is horrifying. I am now unable to financially fix this house, myself and my wife have experienced XXXX and illness for 2 years and are pursuing this with help from a VOCA attorney. I am XXXX   and a veteran ... i can't get over this loss financially and have no other choice but move out for the safety of my family. I hope nobody ever has to go through this nightmare.
Product: Mortgage

Fay Servicing says since they tried to pay my property taxes that they have a right to set up an escrow account on my mortgage and divert my regular payments into the escrow thus leaving my mortgage in default. 1. fay servicing never paid my taxes I did. 2. I was never notified of this change in my contractual mortgage agreement. as required by law. ( 1. TITLE XIVMORTGAGE REFORM AND ANTI-PREDATORY LENDING ACT, at any time after such an account is established in connection with any such transaction and in accordance with any statute, regulation, or contractual agreement, to close such account, the creditor or servicer shall provide a timely and clearly written disclosure to the consumer that advises the consumer of the responsibilities of the consumer and implications for the consumer in the absence of any such account. ) I found out about this misappropriation on my XX/XX/XXXX bill.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recieved a XXXX XXXX XXXX credit card early XX/XX/2019, as an authorized user, for the sole purposes of piggy backing. The credit card has yet to show up on my credit report.
Product: Checking or savings account

I was initially told that the funds left in the account could be transferred to a different account before closing the account. Once the account was closed I was told the check would be mailed to the address on file. XXXX XXXX expressed the check was returned. I suggested sending the check to a different address and was asked for personal information via email. I uploaded my DL and Birth Certificate. An email asked me to send the back image of the Birth Certificate. This made me uncomfortable and I requested to have the check resent to the initial address. The email is continuing to ask for the image. I have been waiting on the check to be sent since XX/XX/XXXX, and we're going into XXXX now and dose n't seem as though any progress has been made. I've called several times since XXXX I have the call logs and all the email coorespondence. Currently collecting information in preparation to start taking legal action.
Product: Credit reporting or other personal consumer reports

I don't have a best egg account I believe that account was opened in error. this account does not belong to me. DELETE ASAP!!
Product: Credit card

I had a capital one venture credit card. 


In XXXX I was unemployed and unable to make credit card payments which resulted in getting my cards closed. In XXXX  I got a job and I settled all the card debt and now my XXXX XXXX has recovered and I am trying to get a new card. It keeps getting declined.
Product: Checking or savings account

Over the last several days I have tried to contact PayPal regarding a situation where I have not been able to order a PayPal debit MasterCard. I have not been given detailed information as to why it is important to have said card issues and mailed to my current address.
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. 
XXXX ) Dept of EDXXXX - {$20000.00} XXXX ) XXXX XXXX XXXX$1000.00} XXXX ) XXXX - {$750.00} XXXX ) Dept of ED/XXXX XXXX {$24000.00} XXXX ) Dept of ED/XXXX  XXXX {$23000.00} XXXX ) Dept of EDXXXX - {$22000.00} XXXX ) Dept of EDXXXX - {$21000.00} XXXX ) Dept of EDXXXX - {$13000.00} XXXX ) Dept of EDXXXX - {$7500.00} XXXX ) Dept of ED/XXXX XXXX {$6600.00} XXXX ) Dept of EDXXXX - {$6100.00} XXXX XXXX Dept of EDXXXX - {$5000.00} XXXX ) Dept of EDXXXX - {$3500.00} XXXX ) Dept of EDXXXX - {$3200.00} XXXX ) Dept of ED/XXXX - {$3100.00} XXXX ) Dept of EDXXXX - {$2100.00} XXXX ) Dept of EDXXXX - {$2000.00} XXXX ) Dept of EDXXXX - {$1400.00} XXXX ) Dept of ED/XXXX - {$1100.00} XXXX ) Dept of EDXXXXV - {$1000.00} XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C, 1681 Section 604 A. Section 2. It also states that 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 reporting 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

bca financial has XXXX accounts listed on my XXXX report that i have no knowledge of and have never recieved a dunning notice on. i sent them a letter 2 monthes ago requesting validation but never recieved a response
Product: Debt collection

I recently reviewed my credit report and seen a few accounts that don't belong on my credit report one is a child support I do not have any kids I contact the court house said it should be removed miss spelled name I sent the letter to credit bureau no response its been well over 30 days also a get it now and bankruptcy..
Product: Checking or savings account

Back in XX/XX/2018 Bank of America had a promotion for opening business accounts package with them. The terms of that promotion were : To earn the initial {$1000.00} bonus, open a Business Advantage Checking account by XX/XX/2018, make qualifying deposits of at least {$50000.00} in the first 90 days, plus apply, be approved for and open a new small business credit card account and spend at least {$2000.00} on the card within 90 days of opening a Business Advantage Checking account. 

Please see attached flyer for more details about this promotion XX/XX/2018 I applied for Business Advantage Checking account and business credit card with the help of Bank of America small business banker. I was subsequently approved and met all promotion requirements within allotted time period. 
Per offer terms I was supposed to receive {$1000.00} bonus within 90 days from the end of your qualifying period, meaning by XX/XX/XXXX. However, as of today, I still didn't receive the bonus. Over the last month I contacted Bank of America multiple times about this issue. Every time Bank of America representatives, including small  business banker who helped me to open business account, told me that I did qualify fo the bonus and supposed to receive it by this time. But apparently, there is no one at Bank of America who can look into my case and make things right. 

I feel completely frustrated about this experience and the fact that Bank of America does not honor it own promotion. I hope this claim could bring necessary attention to resolve this issue.
Product: Mortgage

On XX/XX/2017, XXXX XXXXl filed motion for substitution of counsel on behalf of Reverse Mortgage Solutions Inc. The stipulation reflects that XXXX XXXX signed a consent to substitution of counsel as Vice President for Reverse Mortgage Solutions Inc. Florida is a Judicial State therefore every single document filed by a plaintiff, it is subject to defendant review and/or request specific information pertaining to the documents. 
At this juncture we are asking Reverse Mortgage Solutions Inc, to produce specific proof in that XXXX XXXX held the position of Vice President. Florida Department of Corporations does not reflect that XXXX XXXX ever held a VP Position with the company or any other job title. In Florida or any other State when you a held a position such as company treasury, president, assistant vice president, you must be on the record in order to be on Corporate bank accounts and have signing power to all and any documents. 

According to the Stipulation filed on behalf of Reverse Mortgage Inc, XXXX claims to be Vice president of Reverse Mortgage Inc, yet as mentioned before the Florida Department of Corporations does not have any record of XXXX XXXX. Where did Reverse Mortgage Solutions acquire this name XXXX XXXX? From a credit card promotion naming XXXX XXXX? We believe she does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

My personal and confidential information has been compromised due to : XXXX data breach XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX There are 4 derogatory marks on my account as a result of identity theft, fraud. This serves to notify the creditors of my right to dispute these fraudulent charges and subsequent negative marks under FRCA section 609 and 611.
Product: Checking or savings account

I stopped being able to access my citibank account since 3-4 days ago. I called citibank and they said they will need to verify my information. I gave them all information correctly but they said that " the phone number i'm calling is not verifiable '', and immediately hang up. I didn't even get the chance to ask what should be alternative options to verify my identity and get back my access to my account. I'm clearly calling from the phone number on file, and they also acknowledged it, but they hang up immediately.
Product: Payday loan, title loan, or personal loan

I initially borrowed {$600.00} from the company and was told that the initial payment would be {$99.00}. A month later after taking the {$99.00} out of my bank account, another {$200.00} was debited from my account. I could not afford this rate of repayment or I would not have taken out the loan. This payment of {$99.00} was to be debited from my bank account on a monthly basis, however, every couple of weeks, XXXX XXXX would attempt to take between {$99.00} and {$200.00} from my account and would try the debit multiple times. Contacted someone who stated that only the first payment would be {$99.00}, but I was unable to find this information in the loan contract. Due to inability to afford the loan payments, the loan was sold to Ad Astra and now the balance due is {$1400.00}. There is no indication on the original loan ( {$600.00} ), nor a reference or credit to the amount paid back so far, which is {$99.00} and {$200.00}. In requesting the loan amount be reduced, the offer to me is to break the payments up in 4 installments of {$350.00} until {$1400.00} is paid in full.
Product: Credit reporting or other personal consumer reports

TransUnion has been reporting and sharing invalid personal information, addresses, telephone numbers, employers as well as accounts and inquiries that are unknown or no longer open! My personal information has been shared to other telephone numbers and I have no idea how the numbers were even found.
Product: Credit card or prepaid card

Requested a credit limit increase with Capital One, Was given a denial due to a frozen credit report. Credit reports are all unlocked. Error on Capital one 's part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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  Balance : - XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Original creditor XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX  Inquired on XX/XX/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted complaint # XXXX. It was immediately closed and I was sent a letter stating someone else submitted the complaint without verifying themselves and it will be closed. I am submitting this complaint. I wasn't even contacted before you closed my complaint why is that? But the reason my complaint was closed on your site says that I previously had the same complaint already. How is that? Where is the other complaint number for the same complaint? I am resubmitting my own complaint. I am a victim of Identity Theft. Due to the data breach at XXXX, I have several accounts and inquiries that I did not authorize on my credit file. I made several attempts to contact them and could not get anyone on the phone. I attached my fully completed Identity theft report # XXXX. I made several attempts to resolve this isssue. Please process my complaint.