23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, my wife and I began the process of applying for a mortgage through Home American Mortgage Company for the purchase of our new home. We were pre-approved on XX/XX/XXXX for the purchase amount of our home being constructed by XXXX XXXX XXXX. We were then given a closing date of XX/XX/XXXX by the builder, saying they had a sales quota to fill by the end of the month. However, due to the increase in home sales, Home American Mortgage Company has been unable to meet demands, overpromising and underdelivering. My brother is purchasing a home in the same neighborhood and on XX/XX/XXXX, he was told that HAMC could no longer process his mortgage due to the high quantity of mortgages to close. I called HAMC and our sales agent to confirm they could still handle our case in time. They both assured us there was nothing to worry about. On XX/XX/XXXX the underwriter began processing our loan and asking for documents - most of which they already had in their system. On XX/XX/XXXX, the day we were supposed to receive keys, the underwriter was still asking for documents. Tomorrow is XXXX XXXX and they have only increased the demand for documents, with no signs of closing or an estimate of a closing date.
Product: Credit card or prepaid card

I received a notification from XXXX that someone tried to open a new credit application with Macys on XX/XX/2022. It was a match for my name, social security number and date of birth. I am not sure if they were successful but I will call Macys when they open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no  knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Checking or savings account

I was scammed {$2100.00} from someone through XXXX. XXXX couldnt help me, so I went to my bank to try and dispute the transaction. Wells Fargo said there was no processing error of the disputed transaction. Of course there was no error of the processing, the issue lies in the fact that I never received the service I paid for. I should be entitled to a refund.
Product: Debt collection

This debt is currently reporting on my XXXX consumer credit report and is disputed by the consumer, as follows. 

1 ) Debt validation has not been provided by the reporting debt collector 2 ) The debt collector has no contract with the consumer for the amount owed 3 ) The consumer does not acknowledge a debt owed to this debt collector 4 ) The debt collector has been notified by USPS mail of the nature of this dispute, per attached
Product: Debt collection

XXXX from Revenue cycle associates contacted me on XX/XX/2023 at XXXX XXXX EST via phone and asked for XXXX XXXX. I informed her there was no one here by that name and to remove the number from her calling list. At XXXX XXXX EST she called again asking for XXXX XXXX. I asked for her contact information and was provided, XXXX, ext. XXXX. I asked for the address and name of a supervisor. She asked if this was to mail a payment for XXXX XXXX. I informed her it was not and that I had not 5 minutes prior requested she remove my number from her contact list as I dont know this person and I wanted the companys name and address since she had not done that and was continuing toco tact me. She then disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

as notified before, I am a victim of identity theft, please see all attached documentation for the second time
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for 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 the account : XXXX XXXX ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to on time as they should be as i was NEVER late. Thanks
Product: Checking or savings account

I have filed a fraud claim with Chase regarding several charges that the same company duplicated, and I was also told that I was not the first individual that this happened to from the United States. As soon as I got back from the XXXX XXXX, I went to the bank and canceled my card after I filed the dispute, and I will attach the proof of the same amount being taken out twice on the same day. Also, I am going to attach the evidence that I never traveled with XXXX XXXX, and yet they charged me {$52.00} for bags when the military does not pay for baggage, which is why we chose to travel instead with XXXX ; that is more transparent than any other airline in the industry. 
Now, chase had refunded four transactions and now they are saying that they will reverse it because the merchant has given them proof that the transaction are accurate. So, I told them I want to see, a copy of my passport, ID and my original signature on all 8 transactions that this merchant has charged me or I will hire an attorney to take action, it is not fair. Chase can see the discrepancies and yet they dont want to rotect their customer shame on you chase, I know that i am only a number to you, however my direct deposit from the VA still generates interest for your company.
Product: Payday loan, title loan, personal loan, or advance loan

It was brought to my attention a few days back, locating a email of my contract for a title loan I obtained in XX/XX/year> that rates are legally in territory of loan sharking ; which is a felony in the world of lending. I reached out to company several times earlier this year dating back to XXXX seeking explanation of fees and cost without knowledge of loan actually being in loan sharking territory at that time. I was told that a supervisor would return a call to explain yet after at least XXXX calls to the company that never transpired. Being off work injured and workers comp ending last year I needed an immediate cash flow to help cover monthly bills. Rushed thru entire process not getting exact clarity I was unaware my state even had usury laws at time I signed contract. I am an Indiana resident and i received a title loan on my owned vehicle. The interest rate charge I was processed for was XXXX XXXX XXXX XXXX XXXX I have religiously payed this charge every month. But it seems beyond unfair as well unrealistic. The bank providing loan was not even this business I applied for the loan thru. It is a XXXXXXXX XXXX XXXX out of XXXX  named XXXX XXXXXXXX XXXX  not even licensed nationally or in the XXXX XXXX XXXX I applied to a company called XXXX with no knowledge of XXXX XXXX XXXX In the state of Indiana over XXXX XXXX interest finance charge is considered loan sharking and a felony crime. I am seeking assistance with this newly found to be invalid loan. I am submitting supporting documents to support my claim. Again reached out to company for help that never happened.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I was charged {$210.00} then again on XX/XX/2021 I was charged {$210.00}. Lending Club refused to refund one of those payments. Then they advised one of the payments just went to the principal and was not a payment. I asked could they please apply both payments as separate payments the manager agreed. But did not notate my account. So now Lending Club is saying I am past due for XXXX and now due for XXXX. They are very misleading and refuse to cooperate with me.
Product: Credit card

On XXXX, I disputed six ( 6 ) charges on my USAA credit card to a dating website because they ( the dating website ) disabled my account AFTER I had made multiple payments ( 6 ) to their subscription services. In response to my supporting documentation for my claim ( s ), my credit card ( USAA ) gave me a credit for the most recent charge ( {$60.00} ), yet asked me for further documentation to explain the nature of the service (?! ) That I found odd given that all six disputes were filed under the same condition. Nonetheless, I sent USAA additional documentation that, in essence, over-explained the nature of the subscription service. 

On XXXX, I received separate notices for each of the XXXX remaining disputes from USAA stating that they deemed those other charges legitimate. Each notice provided a XXXX XXXX XXXX a call to XXXX to reach USAA 's " Re-assert '' department in XXXX XXXX, TX, if I wanted to challenge their decision. Naturally, I wanted to. But I needed to directly query somebody in their " '' Re-assert '' department so that he or she could specifically explain to me what was required as explanation to satisfy what their request for the second round of documentation asked for. Again, it was clearly to me that I over-explained what the basic nature of that service was. And this is where the problem lies USAA refuses to provide proper customer support via their Re-assert department. They provide no direct phone contact. Each time I have frustratingly called XXXX since XXXX I have gotten nowhere. That number is only the main number for USAA. When called, they can provide no transfer to the Re-assert department. They can only leave notes in my account, and say someone will call me WITHOUT EVER GIVING A SPECIFIC DATE OR TIME WHEN. And each time USAA does decided to call me, the representative only leaves his or her name in a message WITH NO CALL-BACK EXTENSION. I am hence forced to continue the same loop of nonsense by starting back at their main number. USAA deliberately makes their Re-assert department unavailable by phone, and all this time I am going months without the ability to remove interest accruing charges from my account. I tired of USAA putting forth the lie that they are customer-service oriented in this manner.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to purchase furniture using financing terms through XXXX  using paypal as a payment which was 6 months no interest. When I purchased the items, it was said that I should have them XXXX XXXX. On the XXXX of XXXX I check the status of the purchase and it was updated to show that it wouldn't arrive untill the XXXX of XXXX. The Items were supposed to be XXXX Presents and the updated timeline is too close to XXXX and I decided to Cancel the purchase and find something else. I requested the XXXX on XX/XX/XXXX. On XXXX XXXX, I was notified that the cancelations were complete and the refunds were made. The receipts show that the refunds were made and that everything should be fine. XX/XX/XXXX I received an email stating my account was NSF for the entire purchase that had already been canceled. Paypal, even though receiving the funds from the canceled transaction attempted to debit my account for the full purchase price of the items. Of course their is NSF because I had a 6th month payment plan, what difference should that make because I had to cancel the order due to the updated shipping estimate having it arrive to close to XXXX? Today I awoke to a XXXX NSF fee charged by my bank because paypal is attempting to double charge me, and on top of that I can not make contact with paypal and have no idea if they're going to attempt to try and charge me again for the canceled order which will result in another NSF fee and even possibly the cancelation of my Mortgage payment. They need to stop their theft of my accounts!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My update to closed complaint XXXX, Experian request authorization for CFPB to begin an investigation. See my enclosed attachment that was mailed on XX/XX/2021 ( USPS Certification # XXXX XXXX request to allow CFPB to perform this and any future investigations.
Product: Student loan

Experience hardship Will not be able to pay back asking for total debt forgiveness
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not responding to any of my numerous requests to investigate, verify and remove  XXXX  account from my credit report that does not belong to me. They are not responding.
Product: Credit card

Pursuant to 15 U.S. Code 1666 this consumer sent CHASE BANK a formal Billing Error Notice on XX/XX/year> via USPS Certificate Of Mailing. 

Pursuant to 15 U.S. Code 1666a, and Regulation Z Subpart B 1026.13 d - Regulation of credit reports ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.

CHASE BANK has reported adversely ( late payments ) on the obligors credit rating to the credit agencies.

Under the Fair Credit Billing Act ( FCBA ), Prohibition of Late Fees : During the investigation period, creditors can not impose late fees or other penalties related to the disputed charge. 

CHASE BANK has applied numerous late fees to this consumer 's account related to this Billing Error Notice. 

CHASE BANK has clearly violated these consumer laws and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/2022 - XXXX  XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/2022 - XXXX XX/XX/2022 XXXX XXXX XXXX My information is being used and now with these inquiries that are popping up on my report are affecting my ability to stabilize my families quality of life.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX  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: Mortgage

I applied to purchase a mortgage application and my credit was used and I did not receive any benefit. Im owed just compensation for the use of my information... 
Return my application/credit...
Product: Credit card or prepaid card

Trynig to stay brief! I accumlated debt because ... as a mortgage officer at XXXX XXXX - my sales and the companies reputation plummeted. I was forces to sell my existing Single Family home in 2018 and moved to a smaller co-op ( XX/XX/2018 ). No gain from the home sale. It sold for far less than I paid for it ( XXXX vs XXXX ). I only covered part of bank note, and kept a a XXXX 2nd, and also, added closing cost and the moving to new co-op to my credit card. The credit card is a Chase/Marriott account the balance has been between 15K and 28K over the last 2 years. I have paid faithfully and on time. My current interest rate is 15.74 %. This is ridiculous. In light of the new money ( Fereral Reserve, Discount window US Tresury and Commercial paper support. In additon much lower UST yields. It is imperitive for banks do their part to help their customer. Put spending power back in the hands of the people. 500 to 1500 % mark up on the cost of money is a crime! Principle reduction and interest rates reduction to 5 or 6 % is more than resonable. 
*** 1. Can you ( CFPB ) help! 
2. Will goverment, the Federal Reserve, US Tresurt Deptment help. 3. What other option do I have to eliminate this burdensome debt, other than default? How soon may I e
xpect some type of response?
Product: Credit reporting or other personal consumer reports

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports yet XXXX, Transunion, and XXXX are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status, inquiry, and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge Off status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections, charge offs, late payments, or any other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumers within 5 days, I will be forced to officially file IRS form 3949A ; Information Referral AND IRS form 211 ; Application for Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ADDRESS ARE FRUAD I NEVER LIVED HERE BEFORE
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance OwedXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$580.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$770.00} 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account NATIONAL CREDIT SYSTEMS INC Opened Date XX/XX/2012 which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that NATIONAL CREDIT SYSTEMS INC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.