23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  accounts bellow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Debt collection

I purchased XXXX dollars worth up automotibe parts through Acima. They ended up being defective and I was told there is a life time warranty that isnt being honored. The car is now unsafe to drive and a death trap. I dont owe anything. I've been asking for a refund and to return the parts.
Product: Debt collection

Balance due from XXXX XXXX for {$37.00} went to collections Plus Four INC. They are attempting to collect {$47.00}. I have never received a bill from the original company nor a bill or calls from the collection company regarding this bill, so I am not even sure it is true. I do recall having the services performed, so I am willing to pay the {$37.00} owed. I contact Plus Four because I saw the mark on my credit app on my phone. I spoke first with XXXX and offered to pay the original amount. she said no. I asked to speak to a manager she put me on hold. I hung up and called back and spoke with XXXX. He indicated they would take the amount but would still have the remainder owed and on my credit. I asked to speak to a manager, he indicated it was such a small amount he didn't think his manager would want to bother. After placing me on hold he came back and said the manger said no. I reminded him that I wanted to speak with the manager, not him. He said he wasn't available and hung up on me. I called back and spoke to XXXX again asking to speak to the manager and he hung up again. I called again and spoke to XXXX. She indicated the manager was not there and would not be back until Monday. I asked for the manager 's name, she indicated it is XXXX. When I asked for his last name she refused to give it and also hung up on me. I now feel this bill is not mine and am not sure what I need to do. Thank you for your assistance
Product: Checking or savings account

I opened an account with Wells Fargo after seeing an advertisement for a {$200.00} bonus after making 10 transactions with the account each month for 3 months after opening the account. I opened the account, made all the transactions, and still have not received my bonus. I completed the transactions on XX/XX/18, and the terms of the offer were that after completing the terms, the bonus would be deposited within 45 days. It has been 54 days, and I still have not seen the bonus. I know Wells Fargo has a history of not treating customers fairly and misusing information, but this just seems unfair when a company refuses to honor the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted, by XXXX XXXX, that a hard inquiry was made by XXXX XXXX, and my XXXX score was reduced XXXX points on Equifax. I called Equifax to tell them it was fraudulent and they told me to contact XXXX. I proceeded, and XXXX assured me they would deny the application as none of the information matched. I called the other XXXX credit report companies to inform them as well. All XXXX companies have now been alerted of the fraud. I was also advised to contact FTC as in so doing this will help with this activity. I have very good credit and pay all accounts off at the end of the month. I dont need any credit cards as I have all I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several hard inquires on my transunion credit report I have contacted transunion they stated I needed to contact each company individually and tell them which took hours and still I have a ton of inquires including new ones that I did not authorize that I want removed from my credit report as it is harming my report. 
I also have a collection account on my credit report that XXXX and XXXX have already removed and it is still on transunion account. I would also like for this collection account to be removed from my credit report. 
.
Product: Mortgage

Issues : I believe to the best of my knowledge that I have been wrongfully denied the loan. Here is the reason why : 1. I was told different stories why they can not process my loan. First time they said because its an investment property, then because cash out, when I said how about no cash out option, initially they said yes and later declined.

2. Recently, I received a letter from them in which they have stated one of the reason for rejecting my loan as incomplete credit application. They never communicated to me that my credit application was incomplete.

3. Their final estimate loaded on their customer portal most of the time does not match with what they share in estimate worksheet.

4. They are not honest and very rube including XXXX XXXX and his Manger XXXX XXXX 5. Not sure if this their is any TX state law that prohibits refinancing investment property for out of state investors. I am not even an investors, I just kept this property as a fallback arrangement if things dont workout in California, we moved to California last XXXX. 
Any help will be very much appreciated. 
Details : Applied for Refinance for XXXX, TX Property and received estimate on XX/XX/XXXX and locked the rate, here is the estimate : The loan program being secured is a Conv Fixed 30 Year Loan amount {$500000.00} Loan Size/ $ XXXX TX The interest rate is 3.500 % with XXXX % discount points. 
You have chosen to include property taxes and insurance in your monthly mortgage payment. 
Your monthly principal & interest payment is {$2200.00}. 
( If present XXXX Your monthly estimated escrow payment is {$1100.00}. ( does not include HOA or lease/ground rent if applicable ) ( If present ) Your monthly MI payment is {$0.00}. 
Your total monthly mortgage payment is {$3400.00}. 
The loan does not have a prepayment penalty. 
Your total closing costs including lenders fees, discount points, & 3rd party charges are ( {$55.00} ).

( lender fee {$1500.00}, discount ( {$3400.00} ), 3rd party {$1700.00} ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- We agreed on it and signed the Loan Estimate and submitted all the docs and received the appraisal Document on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX sent me an email with following message : Texas just told us the following information. 
As the Anads do not own another property in TX, can not complete refinance transaction on investment property in TX. Texas Refinance : o Second homes and investment properties allowed ( subject property must not be the only property owned in TX ) ( TXA6 transactions are only allowed for primary residences ).

One must live in TX full time to refinance an investment property. TX will not allow us to refinance the home. I am sorry for any inconvenience. 
Upon my further request to provide me the ruling that prohibits him from refinancing he sent me following email on XX/XX/XXXX Overview. A Texas Section 50 ( a ) ( 6 ) loan is a loan originated in accordance with and secured by a lien permitted under the provisions of Article XVI, Section 50 ( a ) ( 6 ), of the Texas Constitution, which allow a borrower to take equity out of a homestead property under certain conditions.
Product: Debt collection

I had a membership for my dog with XXXX XXXX Hospital. 
At XX/XX/18 I call and cancel my membership After I cancel my membership XXXX XXXX Hospital still trying to collect money from my bank account. The amount I pay XXXX XXXX hospital was {$25.00} dlares each month. 
XXXX try to collect money from my bank account even after I cancel my membership and they actions result extra charges on my check account.
Product: Debt collection

I have blocked them but they are robo calling from different numbers and harassing me when the debt was discharged I received a 1099c so original debt was written off by the company and I received a 1099 misc form for taxes because they wrote off the debt so how can I be sent tax statement and old debt which I no longer have my records to verify to accurate debt that was even originally owed they pretend to be other companies change name on caller Id and call at hours that are inappropriate and it was written off so how can original debtor write it off their taxes and receive tax break and sell the same debt after discharging it does make any sense to me at all
Product: Prepaid card

They illegally took my money for fraudulent unsubstantiated to claims I had a dispute in early XXXX about XXXX dollars and I found that XXXX took the XXXX and I contacted them and they refunded it that same day and I told direct Express this so that was that I woke up the morning of the XXXX and had XXXX dollars on my account when I called direct Express they acted as if they had no idea who took my money so I kept calling and today the XXXX they told me they took it back cause they found out XXXX refunded it but they had no right to take my money cause they never gave it to me in the first place.
Product: Debt collection

I have a XXXX XXXX bill on my credit report. I paid this item, but I was never issued a notice and had no opportunity to dispute the debt. Because a dispute investigation was never conducted, then it should not show on my credit history. Please remove from my credit report. Thank you
Product: Prepaid card

I applied for unemployment back in XX/XX/2020, but i never received my card so i thought i was denied. Come to find out that someone got my card and stole my identity and spent all my money... around XXXX
Product: Debt collection

Sallie Mae continues to call me every hour on the hour for an account 30 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX show up on my credit history (XX/XX/XXXX ) XXXX   ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit.

XXXX XXXX ( XX/XX/XXXX) do not have any knowledge of this inquiry it should only been one inquiry which it was on theXX/XX/XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry Chase ( XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX do not have any knowledge of this inquiry XXXX XXXX  (XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX) do not have any knowledge of this inquiry XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts were paid with a pay to delete and they still have not been removed from credit bureau. XXXX has deleted. Transunion and XXXX have not.
Product: Debt collection

COLLECTOR IGNORED CEASE AND DESIST ORDER AND IS NOW SUBJECT TO A CLASS ACTION EFFORT. 

SEE ATTACHED
Product: Mortgage

I got my mobile home in 2019 and was making auto draft payments. Last XXXX my payments went up from {$460.00}?? to {$660.00} with no warning. I called and was told they paid my property tax and an estimated ins increase. I asked why, they hadn't paid the first XXXX years. Apparently I signed something at the beginning to ok them to pay. They had no explanation to why they didn't pay the first XXXX yrs. I was told my escrow was short. I asked how could that be with me paying in on the escrow for XXXX yrs and they hadn't paid the taxes, there should have been more than enough. They said I got a refund, which I did not. They refused to refinance, or take any late payments off, and I got a budget lecture and told me to tell my son to drop out of college to pay his own way. After several phone called I talked to a manager and explained I was a XXXX XXXX with XXXX in college and just barely getting by paying bills. She said to just pay a partial payment and that would keep me from loosing my house as long as I was paying on it. I received a letter saying I was in default from not paying in XXXX  months. I called yesterday and was told that I haven't paid in XXXX months so I was in default. I told them the dates of my payment ( which was from $ XXXX {$550.00} ). They told me my payment was applied, my next months payment went to the previous months balance, then the remaining balance went to the next month etc which put me in not paying for XXXX months. My credit and financial is hurt and I can't get a loan to refinance since I used credit cards to pay for groceries and gas trying to keep up. Not only did I not receive refunds, they did a few reversal payments with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was told an auto loan was opened in my name which I got a vehicle in XX/XX/XXXX. That vehicle is now reporting on my credit report as a repossession as well as reporting twice. I have called XXXX, Equifax and XXXX. I was told by XXXX that they verified the account and I can continue to dispute the same issue. XXXX also told me that they see that it is a duplicate account and the sad part about it, that I clearly states a duplicate account with the same account number I have also asked XXXX XXXX XXXX for a copy of my contract and to no avail did I get anything from XXXX XXXX or XXXX which stated to me that they do n't have to verify anything with me what XXXX told me is that they only report what is given to them no matter If there are any issues I need to take that up with the company. No matter how many times that I explain that they are damaging my credit by reporting this same vehicle twice with 2 different amounts on it they said it would be nothing that they can do.
Product: Debt collection

I previously requested information regarding the debt by LVNV funding LLC reporting to the credit bureaus that XXXX was owed to them as of XXXX. I never did any business with this entity. I also filed a complaint with CFPD former case # XXXX that case was closed due to the company providing FALSE INFORMATION. The company stated that " The Account originated on XX/XX/XXXX with XXXX XXXXXXXX XXXX XXXXXXXX The Account charged off on XX/XX/XXXX with a balance of {$860.00}. No payments have been received on the Account since it was acquired by the Current Owner. The current Account balance is {$860.00}. Bill statements and terms and conditions on file for the Account are enclosed for review. '' They also stated that the account was charged off. Which is not correct this account is paid and closed and it originated with XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX and last payment date of XXXX XXXX, XXXX with the highest balance being {$850.00} I paid the amount due to the original creditor on XXXX XXXX. Therefore the information provided is incorrect and invalid information reporting to my credit report and is illegal please delete from all credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I like im being take advantage of and being ignored of my disputes. Section 611 ( a ). Its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or t will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/XXXX i went to the Fifth Third Bank XXXX in XXXX to request an international wire transfer to XXXX to pay for my brother school tuition. The school provided me with a document to give to the bank so they can initiate the wire transfer. I have printed the paper and gave it to the personal banker who did the transfer. I have waited couple of days and contacted my brother and he told me the school said they never received any payment, so u called the bank and they told me it should take up to XXXX business days and i would need to wait till Wednesday XX/XX/XXXX. On XXXX XXXXXX/XX/XXXX i have contacted my brother school and they said they never received any money and they asked if i can provide a copy of XXXX ( XXXX ) so they can check on their end. I contacted my bank and they said i need to go to the branch for that. I went to the Branch in XXXX and they did not now what is a XXXX XXXX XXXXXXXX ) and they were not able to help me and give me some numbers to call. The last XXXX weeks i kept calling my bank and talked to different people and nobody could tell me what they did with my money ( they charged me on XXXX of XXXX ). I finally was able to talk to a representative who knew what a SWIFT ( XXXX ) was and told me someone will send it to me or contact me between XXXX to XXXX business days. I have waited a whole week and nobody called me and today when i call to see any update they wouldnt help and would not let me talk to any XXXX  or XXXX. I was told the bank who put a trace for the wire transfer cancelled the trace. Now i dont know where my money at and nobody is willing to help me and this is very frustrating. 
My brother school concluded their investigations and said they did not receive any payment and they will start charging {$50.00} fees for late payment and if my brother does not pay the tuition he wont be allowed to enroll for the winter classes. 
This is very frustrating and it is impacting my brother, my work and sleep schedule. I work during the night and i have to stay up till at least XXXX am so i can have a chance to call XXXX bank and get some helps. I also had to be late at work couple of times because i had to stop at the XXXX branch to see if they can help. 
Right now i need some answers and need to know what they did with my money and why nobody could help or at least provide me the XXXX ( XXXX ) so i can try to work with my brothers school on the other end.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX at XXXX, I placed a call into XXXX XXXX XXXX to inquire about a approved {$800.00} pre-settlement loan. I was following up on a report from my bank XXXX XXXX who reported that when there was an attempt to collect the amount from the XXXX XXXX account, XXXX XXXX stated to me that there was XXXX amount showing for the XXXX XXXX 's account and the check I had received by mail from this Company was put on hold so, I immediately called the XXXX XXXX and asked why was that check put on hold and I was swiched over to a person who reluctantly gave the first name XXXX and claimed to be the company 's owner so, when I attemted to ask this gentlemen name XXXX about the {$800.00} approved check being frozen by my bank, he then in a hurried voice stated that his company was hacked and his holdings and funds were liquidated, and I ask him did they have insurance to cover their losses and his reply was " hey bud you and everyone else 's money is gone so what do you want me to do about it and you need to pay your bills and you will not need money, just pay your bills '', and I then feeling insulted has a patron who had filed a contract that both me and my attorney signed off on with this company replied to this individual that he would hear from my Attorney and I was going to report him to the prooer authorities and he respinded " go ahead, I don't care '' and I terminated the call whike trying to stay calm and collected. This Company was confirmed by XXXX XXXX XXXX that XXXX XXXX XXXX is a Co-Partning Company with XXXX. XXXX XXXX XXXX address given is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Agencies are showing that I have been years late with student loan payments from XXXX through XXXX. I have ALWAYS completed the necessary paperwork and have NEVER just " not paid ''. I filed bankruptcy in XXXX my discharge date was XX/XX/XXXX. During that time documentation was submitted to all creditors including student loan servicers. Attached is communication with US department of education/loan servicers documenting I continued doing what I was supposed to do and should NOT have been in repayment. ( separate issue of complying with federal discharge ). Originally is was never showing " late '' or " past due ''. I was informed of " default '' status when I went back to school in XXXX which prompted the attached correspondence because I could not get financial aid. It was not showing on my credit report just in the fafsa system. I informed them of the bankruptcy and results ( also attached ) so the discussing of late was reportedly resolved but they would not discharge it. ( separate issue and not the primary complaint here ). I was able to dispute and correct dates from most of XXXX through today ( thanks to Covid and being enrolled in school ) but it still showing XXXX through XXXX as being late which originally was not showing as recently as XXXX XXXX. It has been disputed several times and is now effecting me significantly.
Product: Debt collection

In response to the company who uploaded a contract that I dont even have. They uploaded a contract showing an amount but when I called and requested one they sent me a contract with a different amount. They uploaded a license thats been lost and and address that I have not resided at in over 8 years. I am providing my bill with my address, my identity as well as the contract that was sent to me. This is not the same and I am willing to take this legal if this tradeline is not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to file a dispute online. over several days. It always says currently unable to process your request. When I call in they say the online, dispute center is down. This has happened over and over again. Then they tell me I can send it in writing but need to send my ssn card and photo ID. No I will not send that in the mail. I should be able to file a claim online.
Product: Credit reporting or other personal consumer reports

Im seeing unauthorized inquiries on my credit report out of nowhere, and I dont understand why. Checking as usual revealed these discrepancies, and a browser refresh didnt resolve it. I am really frustrated and insist on a thorough document review so I can stop feeling anxious about this.
Product: Checking or savings account

Bank of America will not reimburse me my refund from a claim. I purchased from XXXX XXXX XXXX and never received my items. I reached out to the bank to receive a refund. But the stated the merchant show details I bought the item and it was accurate. I never received my items that I bought but they are allowing the merchant to keep my money. 

I reached out to the merchant and they literally stated they cancelled my item and I need to reach out to my bank for a refund but Bank of America letting the merchant keep my money. 

I have had problems with this bank taking my money out the blue for no reason and no not giving me a refund for a purchase a bought.