23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my sister initiated a {$1000.00} transfer from her TD Bank Checking account to me via XXXX. I received notices from XXXX that I received the money. The XXXX app where I previously entered a debit card where the underlying checking account is where the money was to be received showed that I had received the funds. I could see in the checking account that pre-authorization transaction with XXXX listed as the merchant hit my checking account. The actual funds themselves were never received by my credit union where the checking account resided. I contacted XXXX and was told that they were simply a software platform and the money would have to be either at the sending or receiving banks. Both TD Bank and XXXX XXXX XXXX XXXX said they did not have the funds and pointed to XXXX as responsible for the money not being delivered. After multiple calls to XXXX, I finally demanded that the matter be escalated and that I speak with a manager. I was refreed to XXXX XXXX, a mid-level manager at XXXX, who claims he researched this extensively and determined that the funds were " found '' in a suspense account and that we simply needed to file a dispute with TD Bank to get the money back within 10 days. TD Bank at first refused to research the case because everything at their end said the money had been successfully transferred. TD Bank has not been able or willing to determine where the money ultimately ended up and that it was nit their problem. It has been 90 days and we are no further along than when we started. XXXX is not returning our phone calls. I am incurring interest charges and TD Bank has refused to give my sister {$1000.00} while the matter is being researched. No one is disputing that I did not receive the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : Except as authorized under subsection ( b ), 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. 

XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX All Banks - non specific Inquiry date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN XXXX  Federal Government Inquiry date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly that I am 120 days past due on XXXX partial account number XXXX. ( Please see page 20 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for a rental application via XXXX to provide a potential landlord with my credit score, credit report, background check, and eviction check. I believe the inaccurate information provided by TransUnion on the credit report and score was reckless and discriminatory that negatively impacted my ability to rent within a desired area. 

Here 's a list of the inaccurate information stated my XXXX report : Under " Personal Info '' : 1. " Recency of a balance overlimit on a bankcard account '' - This is false. My bank card ( debit card ) is no where listed on the report. 

2. " Insufficient payment activity over the last year '' - This is false. I have paid on-time over the last year.

3. " Inquiries impacted the credit score '' - This is false. I shopped around for a mortgage loan during 30-day periods or had my credit pulled by the same mortgage company to renew a pre-approval, but this information was used against me. 

4. Credit Score listed as " XXXX '' - This is false. According to a recent credit disclosure letter from a potential mortgage lender, my Fair Isaac Corporation ( FICO ) reported my TransUnion credit score at XXXX. 

Under " Fraud Indicator ( s ) '' : 5. " Input Address has been used more than once within the last 90 days on different inquiries. '' - This is not a fraudulent activity or should be listed as a fraud indicator. Just like other consumers, who are allowed to apply for mortgage loans and shop around, this activity should not be marked as a fraud indicator. 

6. " Input Address is a restaurant/bar/nightclub. '' - This is not a fraudulent activity or should be listed as a fraud indicator. My physical address is a mixed-use property ( i.e. the main floor has business space and the upper floors have apartments ). My mailing address is where post office boxes are rented and allowed to be used. As a resident in a communitive living and utilizing a post office box, being marked as having a fraud indicator is unfair. 

The above is unjustly restricting my ability to move to a desired location.
Product: Mortgage

I am writing to formally submit a complaint and to express my dissatisfaction with the handling of my mortgage application with NVR Mortgage Finance , Inc., related to my recent purchase agreement with XXXX XXXX. I believe that the current situation is both unfair and potentially in violation of legal requirements concerning mortgage application processing ( and in accordance with CFPB Regulations ). 


To recap, on XX/XX/2024, I submitted my initial mortgage application through XXXX XXXX, a loan advisor at NVR, who had been in direct contact with the sales office for my new construction property. Despite submitting all required documentation, I was informed by both XXXX XXXX and another loan advisor, XXXX XXXX, that my application is unlikely to be approved due to my current debt-to-income ratio. Both advisors have consistently communicated that obtaining approval from NVR is improbable, which I have documented through emails, phone calls, and text messages. 


Under normal circumstances, an official denial from NVR would allow me to pursue alternative financing options with cash incentives transferred to my chosen lender. However, NVR has refrained from issuing a formal approval or denial, citing potential future changes in interest rates and potential program changes as a reason for withholding a decision. This has put me in an untenable position, as I have already secured alternative financing, but can not leverage the associated incentives due to NVRs refusal to finalize my application. 


Recently, I was informed by NVR Management that my application is being " withdrawn '' due to an alleged incomplete applicationspecifically, a missing disclosure form. This claim is directly contradicted by text communications I have from NVR personnel, including XXXX XXXX, advising me to defer submission of the disclosures until underwriting was complete. 


I am compelled to demand immediate issuance of a formal mortgage decisioneither approval or denialby NVR. It is unreasonable and potentially unlawful for NVR to withhold a decision for over two months, effectively blocking my access to contractual incentives, especially when it has been clearly communicated that my application is unlikely to be approved. 

Thank you for your immediate attention to this urgent matter. I look forward to resolving this issue swiftly and amicably.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

While making more than the minimum payment on my Navy Federal credit card ( minimum payment due {$40.00} and, I noticed that I had to check the " I acknowledge that I'm paying less than my Due Amount '' box before I could proceed with my {$80.00} payment even though my {$80.00} was more than the {$40.00} that was due. 

This is misleading and deceptive practices. Furthermore if they are reporting this to the credit bureaus will add further insult to injury. 

Please advise if these are misleading and deceptive debt collection practices.
Product: Debt collection

Due to a devastating life problem were unable to pay our credit card debt for an extended period. Weldman, Weinberg & Reis, in XXXX, on behalf of XXXX obtained a judgment against me in XX/XX/XXXX. They were given the contact information of XXXX XXXX, the credit management company we were working with to clear up our debts. With no notice of intent not to settle, on XX/XX/XXXX, they filed for a Writ of Execution in XXXX XXXX, PA. Per XXXX XXXX, they never responded to, or contacted them, nor did they contact us. They added over {$1000.00} of interest for the time period they did nothing. On XX/XX/XXXX, they have frozen most of our bank account, which should all qualify as exempt, and I am required to go to court. It took several days for us to piece together what was happening, They did not mail the writ until XXXXAll other debts have been settled, or are actively being negotiated.
Product: Debt collection

XX/XX/year> - After getting spam called/harassed weekly by this company over a debt that doesn't even exist, regarding a XXXX that was never performed. I have never even had a XXXX my entire adult life and they keep calling me from NEW numbers after I blocked the number that was spam calling me repeatedly... again ... about a XXXX that never existed???
Product: Mortgage

I applied for a loan with 21st mortgage and was approved for a 5 % down payment then they found out the house I was buying was being sold by a person through XXXX XXXX XXXX XXXX XXXX owned and changed it to 20 % down. They never communicated during the process and kept loosing the items I have sent them. My daughter got ill right after we moved in and I have set arrangements to pay the past due they where not flexible at all and now that we made the agreement they have decided to change the terms if the agreement and rather then catch up 1 past payment by the XXXX of this month now I must pay it all even though I made my XXXX draft over the phone with them as they requested. I never get the same answer
Product: Checking or savings account

My issues is with simple bbva online bank and my external account was from XXXX mother bank is XXXX  XXXX XXXX XXXX XXXX, I had opened a checking account with my prepaid account funds and they don't have regular bank statements they have statements with the debit card numbers on it and they don't provide regular bank statement with the checking account numbers on them that they found was extremely transferred from I can't prove that the account is mine because they want that exact verification I'm also having trouble communicating with the bank because they won't answer me anymore when it comes to my account issues and I have, its actually more then that cause when I had opened the account they had my debit card shipped to my old address which I was in process of moving I thought I would be able to get my debit card so I had it sent there well I didnt get it and so I called and they couldnt help me so I had added another banking account I have onto my simple account the one I am having issues with well as soon as I did that they locked my account and told me that the reason the account got locked was because of the external account and I needed to send verification of it in well I did, because the first one I cant get a statement to and until I added the second account they didnt have my account locked, well they went back on their word and asked for the prepaid card account statement which I can not get I am having trouble they wont even close my account and send my fund to me
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX pm XXXX : XXXX in XXXX dep with XXXX  Even after my long winded troubles with XXXX XXXX XXXX, wrongfully categorizing my loan. Even after not helping me fix the vehicle which is tied to their loan, I still forgave. Now Ive come to find out theyve had my loan reported TWICE to credit bureaus for some time now. 
XXXX loan. Reported doubled. 
And I had to find out on my own after looking elsewhere for financial assistance. 

Its has been Causing a negative affect on my scores and I had no idea. 
And of course, they still cant offer any help. Just an apology.
Product: Checking or savings account

I have recently moved from XXXX to XXXX. I am a Wells Fargo Customer. I recently visited my local branch here in XXXX  to use my ATM card and was told that there was a block on the account, so I could not use my ATM card. 

I went inside to the branch to inform them and to verify my identity by presenting my ID card and my ATM card. I was told my account was verified and I could continue using my account normally. 

However, I am still blocked out of my account. I have called 3 times, each time waiting over 45 minutes on hold. Each time, the agent refuses to help me and to tell me to visit my local branch to present identification. I have done so already, but am still unable to access my account. 

The last agent on the phone with the name XXXX was rude, harassed me and hounded at me.
Product: Debt collection

Never have I ever owned a credit card from Victoria Secret its been a charge off on my credit report for forever Im asking that its removed. I also have never lived, visited the address the credit is linked to. Can you please remove that address and if my name isnt spelled like XXXX XXXX, its not me. Thank you!
Product: Credit card or prepaid card

On XXXX XXXX after I made a payment of over {$6000.00} to reduce my large balance due to Covid-19 Chase card services XXXX, DE XXXX changd my limit from {$21000.00} to {$12000.00}. I was never late and I never exceeded my limit. I feel this was very unfair practice and would like my card ending in XXXX to be extended the credit line that i was granted before Covid-19 hit, any and all help you can provided would be greatly appreciated.
Product: Debt collection

I currently owe on a student loan is that it is being garnished out of my paycheck on a regular basis. I repeatedly received calls still about this even though money is being taken out of my paycheck already. I work for the XXXX XXXX XXXX XXXX County Florida and now the front office has been receiving calls for 3 week and it is illegal for me to take calls in class while XXXX. It is also inappropriate to share my financial information or use pressure tactics with the front desk clerk.
Product: Vehicle loan or lease

A local used car lot got me financing through Westlake Financial Services, XXXX XXXX XXXX, XXXX XXXX, CA. My vehicle was repossessed. The loan company sent me a letter stating the outstanding amount and offered to take a lesser amount to settle the account as " paid in full for a lesser amount '' if sent by certified check within a short time period as a one time payment to close the account. I followed the instructions as stated in the letter and made the payment. Within a short time, I received the same letter with the amount due with the check I sent as a payment to reduce the balance, not close the account, and another offer to send a certified check for a lesser amount to close the account. I called to inquire as to why the certified check was applied as a payment on the account instead of applied to close the account. The agent said sorry, can't change it. When I asked to speak to a supervisor they were all busy and would call me back. I called four times, spoke with four different agents and got the same answer with the promise that a manager would call me. No one ever called me. My credit report does not reflect that I paid in full for a lesser amount.
Product: Money transfer, virtual currency, or money service

Sent money through WesternUnion on XX/XX/XXXX details as follows : Payment Checking ending in XXXX XXXX XXXX XXXX XXXX ending in XXXX Money available : 4-5 business days Summary Transfer amount XXXX USD Transfer fee + XXXX USD Total XXXX USD Exchange rate XXXX USD = XXXX NGN Total to receiver XXXX NGN The money was sent to my bank account in XXXX XXXX in XXXX and its to be credited to my account in 4-5 business days. To date the fund is not credited to my account. I have talked to WesternUnion Representatives on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. The only answer I get is that they have emailed XXXX XXXX and that we have to wait. The case number is XXXX. 

The fund is for my family members in XXXX for XXXX. Please help! 

XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with the CFPB on XX/XX/XXXX in regards to accounts on my credit report being needing to be validated. They stated that these accounts would be deleted from my credit report. You all are still reporting accounts for XXXX XXXX   XXXX on my credit bureau and it's negatively impacting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax gave me someone else 's credit report. I was using the official Equifax free credit report site ( URL available in the screenshots ), I began the process to receive my report by typing in my personal information and last 4 of my social like normal. After I submitted my answers to the identity questions ( which made sense to my real identity ) the next page gave me someone else 's personal information and credit report! I was giving a whole PDF document of someone else 's credit report! The information received had a similar SSN, but totally different state, sex, address, etc. This all occurred about an hour ago around XXXX X/XX/17. Not only did my information get breached but now it looks like Equifax is handing out other people 's private information. The PDF has more information than the website viewer. I have proof that this occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts. I beilive that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the XXXX Credit Bureaus because of their willful non-compliance. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; must be updated to reflect accurate information on my Credit File.
Product: Credit reporting or other personal consumer reports

I have a credit card from XXXX XXXX, 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 XXXX XXXX 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 Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2023, XX/XX/2023, and XX/XX/2023. There was an error on their part. I was never 30 days late.
Product: Credit card

Upgrade Card. Bitcoin sale from rewards XXXX. 

Transaction ID : XXXX Transaction Date : XX/XX/XXXX Net Sale Proceeds {$78.00} Transaction ID : XXXX Transaction Date : XX/XX/XXXX Net Sale Proceeds {$42.00} Never received funds. 
They said funds were deposited into my XXXX account. No occuance in that time range. 
Customer service said too much time has elapsed. 

The points never expired, its the trasnfer of funds were appropriate,
Product: Debt collection

I went look at my credit score and discovered that there were several accounts on my credit report that did not belong to me and that were also paid off reflecting negatively on my report. I have been reaching out to these creditors making them aware of the fraudulent activity as well as the breaches of my leaked personal information and incorrect information they have reported and I have still gotten nowhere. Its now have been years and I have been horribly affected by this. I have reached out to all 3 bureaus and they have not removed any of these accounts causing me to realize that they refuse to help me. So this is why i am now reaching out to this institution.

Another big issue is someone put over 30 inquiries on my account attempting to get an auto loan.
Product: Debt collection

I disputed with the company around XX/XX/2018. The company received my disputes on XX/XX/18.b It is now XX/XX/18 and I did not receive notice back within 30 days. The FCRA gives the company 30 days to respond and instead of a response I received a judgement in the mail on XX/XX/XXXX. I still have not received a response.
Product: Credit card or prepaid card

Received a letter today, XX/XX/XXXX, dated XX/XX/XXXX, from Capital One! Says : IMPORTANT INFORMATION ABOUT YOUR ACCOUNT! Dear MY NAME : " Recently, during a regular account review, we noticed youve only been using a portion of your credit line. To better fit your card usage, weve reduced your credit limit to {$2000.00} dollars. We have kept your credit limit significantly above your highest balance over the last 1 year to ensure you can continue to use your card as you have been, while providing flexibility for future spending. Thank you for being a Capital One customer. We look forward to continuing to serve your needs. Sincerely, Capital One '' This is not right! I called and told the Rep the above story. He says I have been a customer since XXXX. I told him I had an {$8000.00} credit limit and now your are reducing it to {$2000.00} dollars just because I havent added thousands of dollars of purchases to my account? I told him that wasn't right. It was nice to have the higher credit limit in case I would need it some time. What did I do to deserve this? Have always paid my bills on time! They don't care about the average customer. The Rep didn't even try to help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are reporting incorrectly that I am ( 120 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account of a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.