23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I applied for mortgage financing at Better Mortgage and were approved. I lost my job during the process, informed Better and they issued a denial for insufficient income, which would be correct. After the scheduled closing date our bank notified us that we had a new mortgage loan with XXXXBetter Mortgage  for the amount of {$180000.00} and the loan was active. It also severely lowered both of our credit scores. We called to confirm with the XXXX, XXXX, and they did confirm it was an active mortgage on a property we did not own. We never signed any closing documents, we never went to the law office to close, but the mortgage was set up anyway in our names.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need some help this is my 5th time reaching out, I did an investigation on my credit report which caused me to develop XXXX and XXXX upon finding out that unverified, invalid, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act Convergent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions Thank you very much for your time.
Product: Credit reporting or other personal consumer reports

I want all the credit inquiries on my credit taken out as this had no express authorization from me and now its hindering me from making important use of my credit and destroying my credit. Please kindly erase all the inquiries on my report. Thank you.
Product: Debt collection

since XXXX I was a member of XXXX  XXXX, I received a call from ABC Financial on XX/XX/XXXX stating that they put my account in collections for non payment and an expired card. I told them the gym has been closed since XX/XX/XXXX due to the pandemic and there was no way I could contact anyone there. Also based on Massachusetts Covid state law and regulations the gym was closed and I never received any emails, calls, or mail correspondence regarding reopening. the website still states it is closed I am uploading all supporting documentation because this is unlawful especially during a crisis where the entire world was closed and gyms are the last phase in Massachusetts for reopening in XX/XX/XXXX. I want all fees refunded for when they have been closed, I want this off my credit report and my gym membership reinstated. 
My contract is a month to month because the agreement was a 2 year obligation I believe so the charges should have technically stopped until I was able to go in the gym and pay for the month I feel safe enough to come in. 
I am a 5 year member
Product: Mortgage

As stated in the past my father has been a victim of many kinds of theft, theft of property mostly while being harassed for the last 42 years plus as well his mother and father before that. New developments have come to light that OCWEN Mortgage services has been involved with XXXX XXXX XXXX in the matters before the Supreme Court Washington State involving XXXX Original Orient District Free Hold, whereas the Counties and the Lawyer 's as well as the Courts, Banks and Document Holding Companies are allowing this to happen based on lies and deceit of fraudulent XXXX as Documentation to induce Forefieture by way of XXXX and XXXX XXXX et. seq. illegally, XXXX XXXX ; XXXX is the Victim and has paid for all these properties several times being tricked by title company XXXX XXXX XXXX and also others listed above in thinking he was in debt so far never to recover and only way was to sell then refinance as to asset was already paid in full and use equity in favor of other parties committing fraud against the consumer and creating fraudulent documents in pairs or triple document sets only altering and only giving partial disclosure to all involved, Now the XXXX XXXX XXXX has said XXXX is the Insured yet no one allowing coverage to the insured customer and without access to the property because of thugs and harassment, i.e XXXX XXXX assaulted by many at store in XXXX someone unplugs phone during call to XXXX and Officers tell XXXX XXXX and XXXX to stay off property they own because of fraudulant paperwork a lawyer did, still to this day after filing a law suit no help, courts have administratively stayed this matter but never mandated to lower courts because of dishonest Lawyers and Title Companies. 
Also Title company XXXX states XXXX sold these properties but they were refinanced XXXX/XXXX then sold without XXXX XXXX and XXXX had complained as much as anyone could legally about fraud to bank and others involved. XXXX has been Maker since XXXX according to developments forwarded to CFPB and being The Insured even to the Original Purchase of XXXX funny Dad and us did n't buy the property till XXXX and payed out the ear after gifted to my dad from my step mother XXXX XXXX? This is the tricks these companies pull with judges, lawyers, clerks, and congressmen and weman, i.e XXXX XXXX is allowing this to happen he has been contacted numerous times and ignored also said it 's OK to HIT AND RUN with a Suspended License and Assault with a Vehicle a XXXX man if you or your parents work for the XXXX XXXX will help otherwise DIE & XXXX
Product: Debt collection

On XX/XX/XXXX I disputed an Item on my credit report in the amount of {$910.00}, the collection company was LVNV Funding LLC C/O Resurgent Capital Services, After several previous attempts the collection company deleted the item off my credit report, I took a snap shot picture of the deletion on XX/XX/XXXX showing the collection account was closed with LVNV Funding LLC. 
On XX/XX/XXXX I notice that the collection account was back on my credit report, according to the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available by the agency. To this day I have received no such notification of the reinsertion. 
I do not owe this company any money nor did I sign anything saying I did, I have asked several times for proof of my signature showing any kind of validation that I was responsible of owing anything to this company, they have sent me nothing but a print out with no signature..
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to help my son with starting his business and he needed me to cosign for him a business loan. We went to the bank and I was approved because of items on my credit that is not mine. My son has finally got his life together and it hurts me to know that I cant be of help to him. I contacted the police and the FTC. Please remove the items from my credit report. XXXX, XXXX and XXXX.
Product: Debt collection

My credit report on XXXX  shows I have a collection accocunt with {$47.00} and I have totally no idea why this record is showing on my credit report. The only reason SOUTHWEST CREDIT SYSTEMS connect me to this case is because my name, XXXX XXXX, is exactly the same with the true debitor. SOUTHWEST CREDIT SYSTEMS did NOT verify additonal information before report this collection to my credit report and hurt my credit score. I never live in the address linked to this bill statement. It is very un-resposibile to report this collection under my name.
Product: Money transfer, virtual currency, or money service

Long story short, Cashapp/Square is trying to keep my money. My account was hacked and someone bought bitcoin with my funds and removed money from my account. Cashapp did an investigation which I patiently waited on and after the investigation gave me a one time credit for the money that was taken {$920.00}. I heard the money hit but I could not see it. Then Cashapp told me to create a new account to keep the hackers away from my account and to be able to access my funds from the old account that was refunded. I did all that and now they're telling me they can't place my money from my old account into my new one. I've given every piece of information they asked to prove it's me and that was my account. I've gone as far as take pics of the front and back of my driver 's license. Cashapp 's excuse is that they're protecting my old account by keeping my money. How is keeping my money protecting my account? Sounds more like cashapp is lining their pockets with other peoples money. The Cashapp support is useless, they all saying the same foolishness. I need a supervisor or manager who can get me my money, someone from corporate if need be. Keeping my money is not protecting me none. Times hard out here and I can't just afford to have Cashapp keep my money. I can send proof of my social ending in XXXX and everything to prove I'm me and it was my account that was hacked. I've included a pic of the front and back of my driver 's license. I need my money, I heard the ching sound the app makes when the money was 1st deposited so why I can't get my money is beyond me. I'm not going to stop writing cashapp or someone until I get my money. This is a copy of the letter Cashapp sent me saying they're keeping my money in order to protect me below. 

On Sunday, XX/XX/2021, XXXX XX/XX/XXXXEST, Cash Support XXXX wrote : Hi XXXX , XXXX here with Cash App Support. I'll continue over your case from here. Thank you for letting us know that you need to recover some funds from your previous account. I notice how important this is for you and we are here to give you the best experience and resolve any inquiry. 

XXXX, keeping your Cash App secure is our main priority, which means we have a variety of security measures in place to protect your account. 

Our security process reviews multiple data points in real-time to determine whether we can grant access to another account or balance. If anything appears out of the ordinary, we will not be able to grant access. 

I'm unable to manually override this decision or provide additional details, and no further action can be taken at this time. 

XXXX, we are constantly looking forward to new and different ways to provide as much support to our users as we can. Your understanding is greatly appreciated in this case. Feel free to reply to this e-mail for further assistance, I'll be happy to help. 

Best regards, XXXX XXXX Cash App Support ref : XXXX : ref
Product: Debt collection

I am filing This CFPB complaint to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which is the result of identity theft, and fraud. The collections account is by XXXX XXXX opened on XX/XX/year>, account number XXXX, in the amount of {$1600.00}. The other account is by a company called XXXX XXXX XXXX in the amount of {$650.00} account number XXXX. I demand that these fraudulent accounts be removed from under my credit Profile reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. The XXXX Credit bureaus that are reporting these fraudulent and inaccurate collection accounts are Trans Union XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The lists of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Account name XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. I looked at my XXXX credit report on XX/XX/year> and noticed some things are not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrect information on my credit report with Experian several times and they have not made changes. I finally called the original creditors and they told me that Experian never contacted them. This has happened with different accounts. Experian does not contact anyone to confirm information but just tells you that the information has been verified when it has not been. Most recently I paid a debt collector on two accounts which went by the wayside due to my husband 's passing. XXXX XXXX sent me an email confirming payment and also advised Experian to delete their tradeline from my credit reports. Experian has done nothing to resolve this, and it is keeping me from getting housing. I am XXXX old and XXXX XXXX XXXXXXXX if Experian does not make the necessary corrections on my report. I recently had one issue corrected myself and it was removed immediately by the original creditor. I had reported this to Experian several times and they did nothing except tell me the account was verified when, in fact, it had not been. I have a zero balance on my bank credit card which I verified with the bank but Experian reported a balance for several months. PLEASE HELP ME. They must remove XXXX XXXX per their request. These errors are hurting me. None of the credit bureaus make corrections in a timely manner. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/XXXX at XXXX XXXX XXXX time and discovered that TRANSUNION at XXXX XXXX XXXX in XXXX, XXXX placed a fraud alert on my credit report without my consent. Ive tried to remove this alert from my credit report, over the phone with this company, but they said I was only able to get this issue resolved either through mail or online.
Product: Credit reporting or other personal consumer reports

XXXX reporting {$25000.00} is false. Staying that there isa breech of contract, transferring funds that was not received. On XXXX, XXXX. I've contacted the company every year. To prove the enrollment was cancelled and discharge and that was corrected. I still see the problem on my credit report. I never received the loan the agreement was cancelled immediately. I did not agree with the total amount for enrollment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXXXXXX XXXX XXXX  NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ). 

( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I am herby requesting all above disclosures required by Federal.
Product: Student loan

Nelnet reported the payments I made towards my loan as a credit line decrease. I do not have a line of credit with Nelnet, I have a loan.
Product: Checking or savings account

On XX/XX/2022 I attempted a purchase with XXXX XXXX but it didnt work, according to them so I contacted chase for a reversal of the transaction so that I could try again. Once the funds were available again XX/XX/2022 I paid funded XXXX  from my XXXX XXXX  account and on XX/XX/2022 was granted access to my new account with funded next that I still have access to. There is absolutely XXXX proof that XXXX XXXX gave me access to any accounts before XXXX XXXX when I paid from my XXXX XXXX  account the fee of {>= $1,000,000} XXXX which at that time was {$290.00} USD ( the fee for the XXXX funded account. 

Early XXXX chase reversed the payment ( {$290.00} ) again and sent the funds back to XXXX XXXX  although I had already paid XXXX XXXXXXXX  from an alternate bank account ( XXXX ) and sent JP Money Chase ample proof showing funded next said they never once received my chase payment and didnt XXXX me ANY account until XXXX XXXX when I paid from a different bank. There is no proof that I was given any service for my payment of {$290.00} USD from my JP Morgan Chase checking account on XXXX XXXX not the day I was mailed them to inquire why I didnt have an account yet XXXX XXXX and still messaging them today XXXX XXXX for a refund, from XX/XX/XXXX payment/ Chase reversal. 

However, they had received BOTH payments and would not refund EITHER claiming it was because I had opened a claim with my bank ( JP Morgan Chase ) as if I was wrong to do so but note that I did not open a second claim with my XXXX XXXX  account as that day, the payment went through promptly and I had access to my XXXX funded account almost instantly. I want a refund for my money ( {$290.00} ) and I will not settle for less than that seeing they took XXXX payments from me yet only provided me XXXX account from the XX/XX/XXXX payment ) my time XXXX is the same as XXXX so note that and do not allow them to use any loopholes with time zones to avoid accounts for their theft AND I have proof that they did all of these things while saying they never once received the first payment from my chase account and even with all of the faxes and phone calls with chase, they have yet again as of XX/XX/XXXX sent funded next money from my bank account as if they were honest with me the first email I sent inquiring where the XXXX funded account was. 

This is so wrong and heartbreaking so please help me recover my {$290.00} dollars from JP Morgan Chase and I have the emails, fax records and call records as well as ask you to ensure this claim is handled by humans and not bots as funded next does. I also have proof that they didnt disclose that my account XXXX was a bot before I signed up and today, XXXX XXXX I asked for my account XXXX to assist me with my refund and again, havent received any response or assistance. I also have the emails from funded next, verifying everything Ive stated above as well as a closed claim from Chase resulting in no true or worthy resolution for me.
Product: Credit reporting or other personal consumer reports

All the following hard inquires Via Equifax have no open accounts on my credit profile. I previously had them removed & Equifax had them placed back on my credit profile. I ask they be removed immediately. 



XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

Within the past few weeks I took a personal loan at 9.99 %. This rate included a quarter percentage discount so as long as there was an auto pay set up. For money management reasons, I wanted to change the account the auto pay was on and called the bank to see how to do this. I was walked through the process but was never told that by changing the account that I would lose my quarter percentage point deduction. When I saw that my rate changed to 10.24 % I called to get this fixed and was told that auto pay is not the same as an automatic deduction. Word play essentially. They would not give me my discount back even though I set up the auto pay. This is a low level tactic to use word play and say its one thing but not another. There is no way to get an automatic deduction on the website. I feel mislead and taken advantage of. 
Dont take a personal loan from PNC . If you change how you want to pay they will take your discounts away.