23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX I applied for a credit card gave them a {$300.00} deposit, my bank showed the funds were taken out then I got an email a day or two later saying application was approved with a credit limit of {$300.00} and then a day later an email saying my card is ordered, ans four days later my card was shipped, then I called to check the status and they put my account on hold saying that I had to go verify myself at the bank. I went to verify myself and they couldn't find my application and I came back the next day and gave them my application number and they Closed my account. The credit card services put my account on hold when they asked me to identify myself at a branch. Then they banker called the credit card department and they ended up closing my account without any valid reason. Then I called and they said that the reason was I didn't have any funds in the account but that was a lie. Then on XX/XX/XXXX XXXX open another credit card application and go through the same process but I applied for a {$500.00} limit with a {$500.00} deposit and go through the same issue again I get the emails with approvals and status, the banker tries to help me login my mobile credit banking app and I can't login and then I call to ask what's going on after 4 days and the credit card verification department puts my card on hold again and then I go to the bank to verify myself and they close my account and then I call reconsideration on XX/XX/XXXX and they reopen my credit account or reconsider it and then they Pull out {$300.00} from my account Instead of {$500.00} because what they did was open the application I applied for in XXXX instead of the new application so I call them to correct the mistake and they won't even be honest about the mistake and I call the supervisor after trying to come to a solution with verification department and escalation department and they closed the {$300.00} account and opened my new account with {$500.00}, then I went through the whole thing again and I missed work, I have been stressing out and missing lunch all these days and sleeping late and then I go to the bank to see what's going on and they had to call the credit card department to push my application through and I got approved, I call to check status of my application, they put a hold on my account, then they closw my account and can't even refund my money back to the account i used to fund my credit card account. I have not been able to pay my bills as they have had about {$800.00} of my money at a time and take a long time to refund it. Please help me to either get this done or reprimand them because they are not being honest. I would upload documents but it has my personal info on it. They are liars and are not transparent. I still don't know why they haven't been able to get my problem solved as I still want my card I been chasing the cars for two months. Do not apply with them! I did everything they asked
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2022 to delete : XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$440.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Liability : {$0.00}, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete these items not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX and I am including these items again.
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. 
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. 

I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. And, Inquiry from XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX  on XX/XX/XXXX. 
XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Debt collection

Threaten and did garnish XXXX Check for a federal loan that was discharged through the Ombudsman Office, and XXXX loan that was charged back somehow, and was discharged because of hardship and XXXX since XXXX. Documents were sent as requested to Debt Collector and the XXXX XXXX XXXX. Collection Agency-Conserve harassed me even though I complied with the XXXX XXXX XXXX providing documentation, proof of bankruptcy of the loan, and again provided proof of XXXX as requested to XXXX and again to XXXX XXXX XXXX approximately 7 days ago. 

I was advised by the XXXX XXXX XXXX to ignore initial garnishing XXXX up to a year for their investigation including XXXX as I provided all documentation again to XXXX XXXX XXXX. The same month XXXX harass me and again I told them and notify XXXX XXXX XXXX that I was being harassed. 

My XXXX XXXX XXXX check was garnished off XXXX and sent a letter from the Dept of Treasury dated XXXX XXXX, XXXX, ConServe, XXXX XXXX, XXXX, XXXX XXXX in XXXX harassed me again, and I again indicated the XXXX Resolution told me they would directly correspond with me and it would take up to a year. Collector was rude, argumative and again I told her I provided all documentation necessary and was waiting for the XXXX XXXX XXXX to investigate and make a decision. There toll free number is XXXX. After the garnish I spoke to XXXX XXXX XXXX, Total @ XXXX XXXX, who indicated they would notify garnishing XXXX to stop up to XXXX while they requested yet again confirmation of XXXX, which I recently sent again. I became XXXX in XXXX, I attempted to go back to work after graduation in the year XXXX, but became ill in XXXX and work was not possible up to this date. Letters from my physician was sent to the XXXX XXXX XXXX and most recently again providing proof, in addition a letter from XXXX verifying being XXXX since XXXX. 

XXXX XXXX XXXX. ConServe XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I am sending this method of complaint due to Equifax, XXXX, and XXXX are not complying with my dispute request. I have sent a letter on XX/XX/XXXX and XXXX XXXX. I have informed them that my first initial dispute was sent on XX/XX/XXXX and my second initial to demand and comply was sent on XX/XX/XXXX. I have yet to have this matter resolved.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations.

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Product: Debt collection

This company contact me to collect a debt behalf to XXXX bill the balance $ XXXX.I don't own to a XXXX not a cent.They find my phone and the treat on me that you have to pay the debt and the sheriff department is on there way to arrest me if im not paying.I have hard time.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM A VICTIM OF ID THEFT, THE LISTED ACCOUNTS ARE NOT MINE ( XXXX XXXX XXXX FOR {$1900.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$650.00} OPENED XX/XX/XXXX ) ( XXXX  XXXX FOR {$460.00} OPENED XXXX XXXX, XXXX ) ( XXXX XXXX XXXX XXXX  FOR {$390.00} OPENED XXXX XXXX, XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY EXPERIAN AND XXXX CREDIT REPORTS : I have a fraudulent account, original creditor XXXX XXXX acct no XXXX. 
I have never ordered any product or service from this company.This account should be deleted for error of the creditor or someone has misused my information.I have NEVER received any merchandise from this company.
Product: Debt collection

On XX/XX/2019, I was informed by US postal service letter from XXXX XXXX XXXX ( XXXX ) that they purchased a " debt '' of {$19000.00} from Capital One credit card ( acct : XXXX ) which they claim was owed by me. On XX/XX/2019, XXXX filed a bad debt with XXXX for the full amount of their claim. I have never had a credit card with Capital One nor any loans. After several calls to XXXX to explain the issues, they did not research the issue and told me that the money was owed and there was " nothing I could do '' besides pay the full amount. I subsequently wrote a letter requesting documentation ( with my signature ) that I opened an account with Capital One and asked for written confirmation the charges and legal ownership of the account. XXXX has never responded but does send robocalls at least once a day for more than 2 years to threaten me about the monies owed.
Product: Debt collection

I have contacted XXXX XXXX as it shows on my credit report ) and was told this is now Bridgecrest. I contacted Bridgecrest about verifying my signature on this account OR remove it. I have ONLY received letter after letter for me to send in my personal info as I did/have and still nothing. This has been ongoing for more than 6 months and still no resolve but it still remains on my credit report without verification
Product: Mortgage

Mortgage Banker Flat Branch Home Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, First, they tried to push me into a conventional loan by telling me the VA loan was 5.75 %. I contacted XXXX and discovered that the VA loan was only 5.25 %, this was also confirmed on the internet by research. 

Second, I was working with them on a previous property that fell apart because they failed to make the mandatory Veterans escape clause available for signing to me and the seller. My agent was trying to get me to pay $ XXXX more than the appraisal. I contacted the Illinois VA Loan program and spoke with XXXX XXXX XXXX and he told me they were supposed to have that. That was the only way I was able to get my earnest money back. 

Third, Now that I am going with XXXX for my VA Loan, Flat Branch Home Loans is trying to get me to pay {$560.00} for the previous property inspection that I have a bill from the appraiser for {$350.00}. They are attempting to use a signed document that does not have any clause for a XXXX. 

Flat Branch Home Loans, was recommended by my first realtor who was trying to use my V.A. Approval letter to tell me that the appraisal was increased by the VA by the above mentioned $ XXXX. Tring to con me. Then her mother, the seller 's agent, emailed me through her daughter and husbands email trying to legally threaten me because the non-existing VA appraisal override was being used against me to force me into the purchase. The XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, ( XXXX ) XXXX, By CEO XXXX XXXX, said that they resolved the issue, but how can I be sure. 

As you can see from the email and " bills '' from flat branch, and the invoice from XXXX XXXX XXXX, Flat Branch is commiting fraud. The bill is for {$350.00}, and not {$560.00}. 

This entire process is corrupt!
Product: Credit card or prepaid card

on XX/XX/15 i made a purchase at Kohls while out of town, I had Kohls cash due to expire that day, but not with me and the clerk could not find it on my account. she said i could contact customer service the next day when i was home and they would apply it for me. 
The next day i sent an email asking for them to credit my XXXX kohls cash and forwarded copy of receipt along with the details of trying to use it at store. I never heard anything. 
i contacted kohls via chat on XX/XX/XXXX spoke with ( XXXX XXXX ). I forwarded my receipt and kohls cash number and pin, explained to him what had happend and XXXX XXXX said he would manually take care of this and credit my account the {$20.00} and the taxes that would reduce with taking the XXXX off the bill. he said allow 7days for this to take place and he gave me the following reference number XXXX. 
I have since then received XXXX more statements. i have called the customer service number asking for help to resolve this and have been on hold for over XXXX hours total and now have late fees, finance charges and most disturbing been reported to the credit bureaus. during my calls with customer service i have tried to explain the situation to several different CSR 's and have asked to speak with a supervisor three different times. I was hung up on once and the last two times transferred to I assume a supervisor voice mail where i left my contact information and asked to be contacted and i have never heard back from them. I feel this is a XXXX  issue and now a FCRA issue with the reporting to credit bureaus. Can you please help me clear this up. I am amazed that all this has happened over {$20.00}. i have included my write up of conversations, copy of receipt and copy of kohls cash email. Please help. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor, has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX, 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
Product: Mortgage

I have a loan that is being serviced by Sertus ( XXXX ). I received XXXX statements with an adjustment of principal. I have been informed for the XXXX time that the company does not amortize mortgages, and as such, can not furnish me with an amortization schedule. If the individual is not making any additional principal payments, this would not be a problem. However, I do make extra principal payments, and by not amortizing the mortgage, the mortgagee will be paying interest on a nonexistent principal balance and will be overcharged as a result. I have attached the following mortgage statements. As you can see there is an adjustment of principal paid, but no adjustment to the principal balance. My work number is XXXX. My mailing address is on the statement. Please advise as to what action you plan to take with respect to the above. 
XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ), which provides protection for victims of identity theft. The following accounts, appearing on my credit report, have been identified as unauthorized and fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

CFPB I need your help. XXXX XXXX and Trans Union is now sending me notification asking me to send in my license to identify myself. Why because Ive sent multiple complaints and they failed to respond according to the law so now they want me to verify who I am I am who I am and Im not no fakeThis makes no sense. I will provide a copy of my license attached to this complaint. This company is nothing but a monopoly and a corruption towards US American citizens and needs to be put in place. They need to respond to my complaints as noted per the CFPB.
Product: Credit reporting or other personal consumer reports

Going over my monthly consumer report I've noticed that Experian is reporting multiple accounts that's inaccurate and reporting unlawfully. They are reporting accounts that are not verified nor have my consent to report. I have a right to privacy in which this account never had permission form me which violates that right. I ask that Experian thoroughly investigate these account to ensure all accuracy. There are no agreement between me and any of the companies reporting so how can there be a debt if there was never a balance agreed to be paid? where's the authorized signature from me? If Experian continues to report these accounts knowing they're not verifiable then that's another violation against my rights on their end. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, I demand that these accounts be removed if you can not provide to me any signed agreements between me and the creditor reporting these accounts with my permission to report these accounts.

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

Also, XXXX  have two social security numbers reporting on my credit file, XXXX, and XXXX. Update and remove these as this may have caused the fraudulent reporting.

Remove this address from my credit report, XXXX XXXX XXXX XXXX XXXX, MS XXXX, this is a fraudulent address being reported.

My credit report stated that listed below have been verified and/or updated on my report. I am now exercising my right per FCRA, 611 ( a ) ( 6 ) and ( 7 ) for your method of verification.

Your method of verification should include EVIDENCE such as the name, address, and telephone number of anyone from the ORIGINAL CREDITOR/Furnisher XXXX  contacted PER 609 ( a ) ( 2 ).

All the accounts listed below who furnished this inaccurate information should be blocked on my credit report because of identity theft or fraudulent accounts. I tried to file an FTC report by the website is curerently down. XXXX, Transunion, & XXXX  should have procedures to prevent the re-reporting of this information per FCRA 623 ( a ) ( 6 ) ( A ) and delete and permanently block its reportings because the information is inaccurate and cant be verified per FCRA 623 ( b ) ( 1 ).

Per 15 U.S.C. 1681i ( a ) promptly delete information found upon investigation to be inaccurate or unverifiable. Section 607 and 605 B, you must insure maximum possible accuracy of the information contained in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is in violation of my 30 day right to dispute. I contacted them IMMIEDATELY as soon as I seen these collections on my credit report. As I expressed to this agency. Not once did I receive a letter in the mail, a notice or a phone call from them regarding this debt on my credit file, from them or the original creditor. I had no idea this debt existed until this was added as a collection to my credit file. How is one to know there's a debt when no contact is being made. As soon as I seen this debt I called XXXX XXXX to get more information. I paid it. This debt should be removed as it violated my 30 day right to dispute per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan from UNTD WHL MTG, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called UNTD WHL MTG and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and UNTD WHL MTG with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Payday loan, title loan, personal loan, or advance loan

I was a customer of one main financial and which practice deceptive tactics and tricked me into getting option products in order to get the loan, after I clearly stated I didn't want it.
Product: Mortgage

Mortgage was recast from an Interest Only ( Non conforming ) to a conforming. Lender Wells  Fargo serviced by XXXX XXXX XXXX XXXXXXXX XXXX denies a recast based on clause.
Product: Credit card

i was XXXX XXXX in XXXX so i couldnt pay my payment and i send the company a letter from the XXXX approve i was there for the time they did mark me late payment and they didnt delet late payment after i went out and pay my balance need help and fix my report
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Acr ( 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 Experian, 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 Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.