23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Pulte Mortgage company cancelled my loan application for " violation of their policy ''. The policy I supposedly violated was never stated, just vaguely described, and roughly meant I had to verbally answer questions like my social security number and date of birth on a recorded phone line. I explained I was not always in a setting where I could do that, and requested we would communicate in writing if it was important. That alone was enough for the company to cancel my loan application. 

When I asked questions about why my loan was cancelled, they adjusted their story. They said it was also because " I had made accusations against them ''. I had indeed frequently pointed out that they kept changing their story when communicating with me, but am only speculating that those are the " accusations '' I am ( in part ) being denied credit for. 

The original source of our misunderstanding was where the loan officer told me to click on some links, but that nothing was final yet, as the anticipated closing date was very far out ( more than 180 days ). He mentioned on the phone that nothing was final and that I was not entering in a contract with them, and marked a similar statement in his emails in yellow highlight. Despite these assurances, they went ahead and deducted {$570.00} from my bank account in pre-paid fees. When I explained that was not in line with the promise that nothing was final and that we would not be entering into any contract at this point in time, they initially refused to refund my money. 

They have since promised to refund the fees they already took from me ( {$570.00} ) but they have not yet done so. They did run hard credit pulls with at least two credit reporting agencies, even though they then also denied doing that. 

The builder of my house ( Pulte ) had promised me XXXX off closing costs for using their affiliated lender. Although the lender per se is not causing me to lose that incentive, it's adding injury to insult.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting account XXXX XXXX XXXX XXXX, XXXX as paid, 30 days late. However, there's no possible way. Account opened XX/XX/XXXX and current. Current XX/XX/XXXX, closed XX/XX/XXXX. That is NOT 30 days, nor was I ever late on this account.
Product: Student loan

I was refinancing my private student loan which was held by XXXX XXXX  with XXXX XXXX due to their lower interest rates. When I called XXXX XXXX with my cosigner ( dad ) they told me I had an additional {$41000.00} in debt from college and asked me if I wanted to include that to my refinance. I am a recent college graduate and was shocked by this number, but they confirmed the debt was mine and I agreed to include it in the refinance. In late XX/XX/2020, my sister who held a private student loan with XXXX   XXXX  called because her loan status showed that it was " paid in full ''. Here, XXXX XXXX without her consent and without my knowledge ( they assured me the {$41000.00} was mine ) wrongly included her debt and refinanced it into my name. None of the loan documents that I signed included her information anywhere. XXXX XXXX seemingly replaced her information with mine, and put it all under my name. Now, I owe an extra {$41000.00} and XXXX XXXX refuses to remedy the problems they caused. They blamed me and said I signed the loan documents, but again all of the loan documents only included my name and my co-signer 's name. Additionally, a loan company can not combine the loans of two people into one party 's name. And even IF this was a legal act, they would have needed the consent of my sister to take action on her debt. There was never a mention of my sister 's name anywhere, and nowhere for her to sign so her private and personal information was used wrongly and without consent by XXXX XXXX. When we called XXXX XXXX on XX/XX/2020, XXXX at XXXX XXXX refused to speak with us, he told us there was no information he could give me ( even though the loan is in my name ), he refused to transfer us to a manager or the accounting department. He blamed me and said I signed the documents, but of course I did -- they supplied me with information they assured me was true and correct, and only included my name and information. This needs to be resolved- student loan companies may not by law do what XXXX XXXX did.
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 heck 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 us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX remove the inquiries and its been 60days n they record the calls XXXX 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 reporting

I have not been able to find out if my child 's SSN has been misused, but since her number was in the XXXX system at the time of the breach, I am concerned. TransUnion will not let me have a report on her, and I do n't know what else I can do.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/2021, Paypal decided out of no where to freeze my account ( XXXX ) and not allow me to use it, because I had a fraudulent transaction that was not even with pay pal it was with my primary bank, but my debit card from my bank was linked to my pay pal business account.. With then freezing my account I have not had access to the {$310.00} dollars that was in my account when they froze it. I was informed that I would be able to obtain my money 180 days from the date it was froze, after multiple attempts to contact paypal customer service and attempts to obtain my money myself threw the online portal I have been unsuccessful XX/XX/XXXX XXXX, paypal respond by informing me that they had allowed me to accesses my account to my funds. I have not been able to get into my account. I have contacted customer service multiple times, I was informed on XX/XX/2021 they would mail me a check and as of today XX/XX/2021 still have not received a check.
Product: Debt collection

I am not sure where this account originated from. I have sent numerous letters asking that this account be validated or some sort of documentation bearing my signature be provided to me as it is my right. All of my efforts have been ignored. I would like to be provided with proof this account really exists and belongs to me.
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 Account Number XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXXXXXX 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I have been a victim of identity fraud where an unknown person did a SIM swap with my old phone number that has been compromised, using it to gain access to my bank accounts to make money transfers as well as gaining access to other personal information such as my DMV account, driver 's license, social security number.
Product: Mortgage

I spoke with Fay Servicing on XX/XX/XXXX requesting a billing statement which reflects the amount due in order to bring my account current. My account manager- XXXX advised that she could resend a demand letter that was sent previously. I provided her my email address and re-authorized email communication as it was done previously. In the interim, she provided me with a payment amount of {$2700.00} needed to bring my account within 30 days past due. She also suggested loss mitigation as I fell behind on my payment due to a car accident. I explained to her that the amount was being paid by a settlement/modification wasnt needed. I sent a payment of {$2800.00} on XX/XX/XXXX. I begin to make monthly payments the following month with no further communication from Fay. On XX/XX/XXXX ; I received a letter explaining that my XXXX payment of {$980.00} was not accepted as my account is in pre/ or active foreclosure. The check payment was returned uncashed to me. I immediately emailed my account manager for clarification on why the payment was returned. My account manager called on XX/XX/XXXX-unaware of the email sent or returned payment ; requesting an update on the loss mitigation documents. I explained the issue/she located the email sent while we were on the line. Upon further research ; she explained that the {$2800.00} payment was misapplied to another lien account. She explained that she would reach out to her manager to have the payment applied to the correct account XXXX ; collections activities would cease and I can make payments going forward. On XX/XX/XXXX ; I received a {$2800.00} refund check from Fay Servicing. I called in on XX/XX/XXXX and was advised that there was a request to refund the misapplied payment vs apply to the correct account/that the account is still in active foreclosure. Please assist with getting a reinstatement amount/ additional processing fees waived. This is the 2nd issue that Ive had with misapplied payments.
Product: Credit card or prepaid card

I contacted the company via phone with a follow up email to their published email address, Three emails, no response to any. Recent bill shows another unauthorized purchase. I paid the first suspect bill last month because I wanted to ensure the account remained current while the bank looked into my complaint. I will not, however, pay this unauthorized purchase. I have blocked the account so there should be no further activity, but do I need to close the account because of such bad customer service?
Product: Debt collection

XXXX XXXX is reporting a debt for {$1100.00} dated XX/XX/2012. This account was sold to XXXX XXXX, XXXX without my knowledge. I never received written notification of this debt being reported to the Credit Bureaus, therefore I had no opportunity to dispute.
Product: Debt collection

I've attempted to settle a debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, CA XXXX XXXX over the last several months. I've made reasonable settlement offers on a debt that was originally $ XXXX and is now increased to over $ XXXX. 

I've been speaking with their 3rd party collection agents at ( XXXX ) XXXX Kenosian & Miele XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX CA XXXX. On XX/XX/XXXX and XX/XX/XXXX I spoke with collection agent XXXX XXXX who threatened immediate foreclosure on the property for non payment. 

Under 15 usc 1692e this is a clear violation of the FDCPA ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure,  garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

I have recordings I can provide and I would like management at both XXXX and Kenosian to review their recordings for this violation.
Product: Credit reporting or other personal consumer reports

XXXX has failed on numerous times to report accounts and account statuses accurately. 

Disputes have been both ignored resulting in a violation of my consumer rights. 


I have disputed these claims for 2 years. From 2022-until now.
Product: Checking or savings account

I have been named executor of my fathers will. He had a savings account at Chase. I brought in a certified death certificate, the court order appointing me as executor, and even his Will. Chase has sat on the account for almost a straight month. Every few days someone calls me to assure me it is still under review. Yet there is nothing to review there is a New York State court order that speaks for itself. Our estate lawyer warned us in advance that Chase has a horrible reputation of sitting on money and stalling in every way before releasing it, coming up with every excuse. They will not allow us to speak to the reviewers and have given absolutely no reason to question the documents. Notably, other institutions have looked at the documents and moved forward within the same day, including his insurance and mortgage companies. Meanwhile, because of Chases apparently routine bad behavior, I am unable to access the funds I badly need to cover costs for my fathers estate, and it is becoming a hardship. There is no doubt that they will eventually release these funds, but they are unquestionably just playing the float to my detriment. Its unconscionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of 15USC 1681 ( 2 ) ( A ) for reporting inaccurate information that I was not notified 5 days prior to the reporting of these inaccurate accounts listed in the dispute letters I sent. It has been over 60 days since XXXX has been notified of their violation of the above section as well as '15USC 1681a ( 5 ) ; for allowing these companies, ( who are also in several violations and have been notified ) to furnish the following inaccurate accounts on my consumer report, without providing me with an original signed consumer contract with written authorization requested to furnish these accounts as per '15USC 1681 ( b ) '. 

Company : XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXXXXXX  Company : XXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXXXXXX XXXX  Company : XXXXXXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXXXXXX XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXXXXXX  Company : XXXX XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXXXXXX XXXX Account Number : XXXX Date added : XX/XX/XXXXXXXX XXXX  Company : XXXX XXXX  Account Number Listed : XXXX Date Added : XX/XX/XXXX Company : XXXX XXXX Account Number Listed : XXXX Date Added : XX/XX/XXXX Their violations make these accounts inaccurate and by law they must be removed from my Consumer Report.
Product: Credit reporting or other personal consumer reports

The details of the situation are as follows : Date of Incident : XX/XX/XXXX Incorrect Amount : XXXX Correct Amount : XXXX On XX/XX/XXXX, I noticed an unexpected charge or adjustment on my account. I immediately contacted customer support on XX/XX/XXXX to inquire about the discrepancy. I was informed that it would be removed and I should it updated on my next billing cycle. 

However, despite assurances, the incorrect amount is still reflected on my account as of XXXX per our conversation, I was advised adjustments would be made to my account.
Product: Checking or savings account

I had an account open with Truist before which I had to verify my address etc. now I opened account again on XX/XX/year> then they put a hold on my check XX/XX/year> to XX/XX/year> now today I login to check on account now and I have no access so I called bank Truist and all they do is give me the run around. I request if I cant have access to funds and account please send me my money they just transfer me to person to person to just put me on hold
Product: Vehicle loan or lease

After I purchased the vehicle within two weeks, it was placed in an automotive repair shop due to malfunctioning. This caused me to lose income from missing work and paying for the repairs. The car was a luxury vehicle, so minor repairs and the high interest rates given by Credit Acceptance would cost a fortune. We made payments whenever we could, but the car continued to have problems, causing us to fall behind on bills and expenses. 

Eventually, there was no response after trying to contact the loan company and dealership. After the vehicle had completely shut down in the middle of a major highway with my wife and kids in there, I knew these circumstances were unacceptable. 

The vehicle was repossessed shortly after this incident. I received a letter stating that it was sold at auction, but there was a remaining balance of over {$6000.00} remaining. When the car was purchased, {$6000.00} was placed for the down payment, and the sales price was {$10000.00}. Last XXXX, I received a letter from my employer stating that they would be garnishing my wages until a balance of {$6000.00} was paid. I was garnished over {$200.00} every pay period.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 30 days late as of XX/XX/2018 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

I noticed a collection added to my XXXX credit report on XX/XX/XXXX from Genesis Credit Management. I sent a correspondence to validate said debt to XXXX XXXX XXXX on XXXX XXXX and I received confirmation via USPS that confirms receipt on XX/XX/XXXX. No confirmation to validate how the application was processed. I have since sent a follow up correspondence to XXXX on XX/XX/XXXX. I spoke with XXXX on several occasions without verification. I spoke with Genesis on XX/XX/XXXX, the rep stated that the transaction was done online. I advised that I was the victim of identity theft and emailed proof of my address at the time as well as a police report. Today, Genesis has added this collection to my XXXX report without valid confirmation.
Product: Money transfer, virtual currency, or money service

I use Venmo for peer to peer transferring of money, I do not sell any products on the platform. On XX/XX/year> a friend sent me multiple transactions totaling {$220.00}. The Venmo algorithm flagged this as suspicious activity and I was later informed by Venmo that my account had been locked. On XX/XX/year> I received an email from Venmo stating they needed my ID to confirm my identity. Using the email link they sent me, I provided the information. After not hearing back for several weeks I reached out to them in early XXXX because I was unable to add my bank card or account number to my account in order to withdraw my funds. On XX/XX/XXXX, I was told I needed to provide a copy of my bank statements showing my full legal name and the last four digits of my account number. I was told this information was needed to unlock my account and needed in order to receive my money. Today, XX/XX/year> after months of back and forth I was given an email saying my account was permanently locked and that they do not need to explain why. Venmo has effectively stolen my money. I did not violate any of their terms of service and they are stealing from me. I want them reported and I want them to be forced to return my funds because this is completely unacceptable.
Product: Checking or savings account

I authorized my wife to pay her XXXX credit card bill using my Marcus savings account on XXXX and provided her with my routing and account numbers. On XXXX the transaction showed in my Marcus account, but when I checked on XXXX, the {$10000.00} transaction showed as reversed. Now other transactions are being reversed as well. 

When I called Marcus for an explanation, they put me on hold repeatedly. Customer support told me they were transferring me to the fraud department. 40 minutes later, nobody has picked up.
Product: Credit card

XXXX XX/XX/year> I tried to convert my Venture One points to XXXX of Capital One 's transfer partners. When I select Convert Rewards, it sends me to an authentication page and tells me to enter my phone number. I enter my phone number and it goes through, but then the next page to load, loads to nothing. I've tried doing this on my mobile device and desktop and neither one gets me to the appropriate page. Based on several other testimonies online this issue has been going on for months without being resolved. We pay for this rewards service, so by not having access to the page this is false advertising and we are not being given all services we have paid for.
Product: Checking or savings account

This's the second complaint related to XXXX ( TD Bank NA close account ). TD Bank sent me a letter saying a check was mailed to my address on XX/XX/XXXX and I should receive it in about XXXX business days. Check never arrived, I went to the store XXXX XXXX and also XXXX XXXX XXXX on XX/XX/XXXX and they told me they need authorization from the Regional Manager to issue a new check. I clearly said I don't want to mail me a check again, I want to pick it up at Store as soon as possible. I called on XX/XX/XXXX and requested to escalate this issue and nobody is calling me back to give me some answers about where is my money and when I could get my money back. Too much frustrated dealing with this and also this situation is impacting me financially, {$8.00} dollars I have no access to and I had to borrow money to pay my bills. Unbelievable!
Product: Credit reporting

I tried to get my free report from the XXXX credit bureau but XXXX failed and only XXXX could get me the score. Besides, XXXX XXXX, the application, failed to get me my score. Also, after having about 7 months of good history and a score of XXXX XXXX and something and without any issue in my history, I got rejected when I tried to apply for a XXXX credit card and XXXX credit card while my friends with 2 months of history and not as good as my score manage to have all of these credit cards easily which left me confused. Please help me finding out what is going on.
Product: Money transfer, virtual currency, or money service

I fell victim to two multi-layered scam operations run by a person claiming to be from XXXX informing me that someone had been using my card which involved me making deposits for a total amount of XXXX USD from my TD account to fraudulent investment firm ( s ).