23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Uplift was used to obtain a loan for an airline purchase for my grandfathers memorial service. I had multiple issues with this loan and this company. On multiple occassions, I was contacted by the company to " update '' my card, as they stated that my card was declined or invalid. I updated the card and again placed it on automatic payment. After several times of this happening, I contacted my bank who advised me that they had no record of a decline from Uplift. I spoke with Uplift and was advised that the account was corrected to show paid as agreed. It was updated but then reappeared with different information that previous. It shows 4 delinquent payments. XXXX, XXXX and XXXX of XXXX and XX/XX/XXXX. When I called to discuss again, I was directed to file a dispute-which resulted in no adjustment being made.
Product: Debt collection

This complex put a charge on my credit report. I 've paid them and this is still on my credit. I want this off
Product: Credit reporting or other personal consumer reports

Fair credit for consumers reports it must correct of delete inaccurate, inviolate, or UNVERIFIABLE information. 

I havent had any issue with my credit, life has been good. Suddenly Im in emergency type situation, in need of bank services which Im being denied. 

This is incomprehensible, all the information in this report is completely UNVERIFIABLE. 

Remove this information at once. 

I demand XXXX credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXXXXXX
Product: Checking or savings account

This complaint is in regards to three employees a part of the US bank branch in Ohio who are a part of the US bank enterprise unit. Today Sunday XXXX XXXX I became aware that XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX requested for my newly opened US bank account and temporary card which had my funds on to be blocked. The actions that they have acted on were very inconsiderate of the stress that they have caused me. While on the phone speaking to different reps. For hours regards to this matter a representative was able to come to the conclusion that XXXX requested to be the only one to be able to release the hold and not be available to contact on Friday, Saturday and today Sunday. All today XX/XX/2020 I have been talking to reps. At US Bank trying to research why those employees above requested for my funds to be marked as supposedly claiming " Fraud '' to purposely caused me distress and not be able to access my funds. I'm highly upset with this matter and want serious action to be taken against those three employees who have caused me such unnecessary stress during an already tough time for everyone. In the final research that the employees did via over the phone they were able to discover that XXXX XXXX XXXX had put in notes that my previous charged off account was not paid for which is inaccurate information. The previous charged off account was paid for in full in cash at a local US Bank branch located in my resigned State of XXXX California. I was also provided with documentation that shows that the payment had been completed and accepted on XX/XX/XXXX of 2020. Now is not the time for employees like XXXX XXXX, XXXX, XXXX XXXX XXXX along with XXXX XXXX XXXX. To not do the necessary process of research before making a claim all of these issues could have been avoided if they had taken the important steps to do research. Mistakes like such should not have taken place at all especially during these unpredictable times. And considering that us bank is a financial institution a MISTAKE LIKE THIS SHOULD NEVER TAKE PLACE.This very stressful situation has changed my whole experience and perspective on continuing banking with US bank.
Product: Mortgage

Horrific experience with Mortgage Loan process with US Bank!!! 

On XX/XX/XXXX, I've processed my refinance loan application with US bank and I was promised 45-60 day closing and a particular interest rate. I've submitted all the pertaining documents no later than a day and I've done this several times through out the process. Today is day 92 and I was just informed that my loan would take another 10-15 days to close. US bank has also pressurized me to open a checking account with in a day as they were going to close my loan shortly. It has been more than 30 days since that has happened and after repeated requests by me, US Bank till date has not responded. 
This is the most horrific experience I ever had, the practices employed by US Bank is no less than predatory lending. False advertisement and terrible lending practices. 

I would like CFPB to investigate this and save customers from this distress during these already stressful times.
Product: Debt collection

On XX/XX/2016, I paid a collection agency named XXXX XXXX XXXX XXXX or ( XXXX ) on behalf of the doctor office named XXXX XXXX XXXX for the total debt owed of {$170.00}. The confirmation number given to me to verify the debt was paid is XXXX. On the XX/XX/2016 I receive another bill for {$170.00} dollars from a collection agency named Medical Revenue Service on behalf of the same Doctor office named XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that the same of items were erroneous. The 3 credit Bureaus are required to investigate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card

I have tried to reach out to affirm for many times they wont help me they keep saying the same thing we will get back to you in 3 to 5 days but no one has reached out to me yet
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Subject : Request for Blocking of Fraudulent Information Pursuant to 15 U.S.C. 1681c-2 and 1681 ( b ) I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four ( 4 ) business days upon receipt of the identity theft report. The following information on my credit report is the result of identity theft and should be blocked immediately : This letter is to notify you that I am a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached for your reference. There are fraudulent accounts on my report that do not belong to me. All required documentation has been included in this packet and has also been sent via fax and Certified Mail to your agency. In addition, I demand the immediate deletion of the following fraudulent accounts from my credit report : Please remove the following fraudulent accounts from my credit report : ACCOUNTS : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Please ensure that these accounts are removed from my credit report without delay. I expect confirmation of the completion of this request in compliance with 15 U.S.C. 1681c-2. Thank you for your prompt attention to this matter Sincerely, XXXX XXXXXXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently trying to purchase a house, the lender company ( XXXX ) pulled a hard pull on my credit report but they stated they could not pull my equifax or XXXX  score. I called both on XXXX XXXX and they stated there was no lock or freeze on them. I am in the XXXX XXXX  and equifax said they had to put NY as my state address because they can not use XXXX XXXX such as XXXX. This is becoming so frustrating because we are stuck and I need them to see my scores for all three.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to REMOVE these inaccurate items in my file. 
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: Checking or savings account

On XXXX, XXXX I opened an account in HSBC bank, XXXX branch, CA. I was told that I would receive my debit card after 2 weeks. 
My husband transferred me {$10000.00} from his account in another bank. We checked that money was deposited on XXXX, XXXX. After that, since I didn't receive my debit card I never logged in my account or whatsoever. 
On XXXX, XXXX I logged in my mobile app and realized that all {$10000.00} was gone. The activity started on XXXX, XXXX and last transaction was on XXXX, XXXX. I have never received this debit card, never activated, never knew what was going on. 

I immediately reported this situation to the fraud investigation department on XXXX, XXXX. They closed my card and told me that they needed to investigate this matter. I asked if I needed to do anything else, they said no. 

On XXXX, XXXX I called the fraud investigation department to find out the case status and was told that I should have filed a police report and USPS claim about mail theft. One more time, on XXXX, XXXX I was told that I didn't have to do anything. Besides that, the person I was talking to thought that only several transactions were fraudulent, not the entire activity with the account. 

On XX/XX/XXXX I called the investigation department to provide with the police report number and they told me that I need to give them the detective 's number and his contact information as well. So I gave them police report number and said that would call later with additional information. 

On XXXX, XXXX I called the investigation department to give the contact information of the detective who's been assigned to my case and found out that the police report number is not in my file. And they don't know again about entire fraudulent activity with my account. 

Eventually, I submitted the detective 's contact information to the fraud department. 

The entire time I was feeling that nobody wants to work with me to resolve this issue, I was never contacted, I had to call and email all the time trying to find out what is an update on my case. 

Today on XX/XX/XXXX tenth day of investigation I called the fraud department and was told that my claim was denied. They also said that I need to go to the branch to view the photos of the person who was using my card. I do not understand why my claim was denied, I have nothing to do with any of the transactions with my account, I have never had possession of this card. I requested my claim to be reopen and {$10000.00} to be credited to my account. 

The bank also refused to provide me with the credit during the time of investigation.
Product: Mortgage

I have been approved for HAF ( Homeowners Assistance Fund ) for 18 monthly payments of {$1400.00}. When I call my mortgage company I get the run around and no one can give me a clear answer as to if they have received check payment from XXXX.
Product: Checking or savings account

I want to report deceptive banking practices of Citibank. They were offering a promotion to open a checking account and deposit XXXX within 30 days ( leave in for 60 days ) and receive a XXXX bonus. It seems to me that they would intentionally set up roadblocks to prevent the customer from achieving the benchmarks needed to fulfill the requirements. First off, they do not have a local branch in my state, so everything must be done online or with phone call ( involving being on permahold ). The account was applied for on XX/XX/XXXX, but was not yet approved. After receiving an email in early XXXX that they would need more documents and information before my account would be fully functional. After completing all the extra documentation, I had to go through the process of adding an external bank account so that I could wire funds ( again, no local branch, can not go in person and just deposit money ). I have a transaction on my account that states I transferred XXXX on XX/XX/XXXX, which should be within the 30 day time frame they require. 
After waiting the appropriate 5+ months ( 60 days for the XXXX balance and waiting 90 days for promotion payout ) I reached out to Citi to ask about my promotion. They stated I would receive an email after they looked into the matter. I received an email on XX/XX/XXXX that I do not qualify for the promotion because I did not deposit XXXX within the 30 day time frame because they show that the transfer I did on XX/XX/XXXX did not clear in their system until XX/XX/XXXX. I don't think it is the customer 's fault that it takes 5 days for a transfer to clear their system. I tried very diligently to meet their requirements, but I believe that they make it difficult to do so, and use banking delays deliberately in their favor.
Product: Mortgage

Mortgage Underwriters mis-interpreted a guideline regarding furniture that was being conveyed with the subject property. The addendum with the contract stated that buyer and seller agree that furniture conveys with the property. It was not offered as a concession by the sellers nor was a price stated or requested from the buyer. The seller 's simply did not want to keep the furniture and have to move it. They decided to just sell the house with the furniture in it at no assessed value whatsoever. The Underwriter requested a separate appraisal of all furniture items with pictures and valuations for each last minute, a week before closing. The MLO called the VA directly to confirm if this was needed. The VA guidelines and appraisal department stated, that due to the furniture not being listed or included in the appraisal report, a second appraisal or valuation is NOT allowed as it would be an additional cost to the VA buyer and could also delay their closing. Being that the furniture is not included on the report or the sales value of the home, the VA stated that it is irrelevant. When the MLO shared this information with Underwriting management, they responded stating that the VA 's guidance was incorrect and that they had to go by their internal company guidelines. The MLO followed up stating that those are just internal guidelines with lender overlays, the VA set the actual, federal guidelines. The Underwriting manager responded stating that this would be a GNMA requirement as the secondary investor. According to the VA, neither the lender nor investor can require this of the client. I find it puzzling that GNMA wouldn't follow the guidelines set by the VA. As a result of all this, the file 's closing was delayed and according to the VA , puts PNC Bank out of compliance. Please look into this. Thank you.
Product: Debt collection

I had been dealing with Midland Credit Managent regarding a debt. After a lot of correspondence and phone conferences over years, we struck a deal on XX/XX/2022. I agreed to pay approximately {$1200.00} in full and final settlement. The agent I was dealing with sent me an email stating the amount as describing the payment as a " down payment ''. I explained that something which said " payment in full '' was required before any payment would be made. I even offered to send a check that said " payment in full ''. The agent had me read the email again and told me that the payment wasn't a down payment and he didn't have a form that said " payment in full ''. This seemed quite strange to me, how could a large debt collection company not have some kind of paid in full form? I again informed him that there would be no payment without an indication that the account was paid in full. He became quite abusive - nasty and insulting. This made me even more suspicious and I terminated the call after speaking with a supervisor. My feeling was that after payment MCM was going to come back and say that the payment was only a down payment and money was still owed. 

Because of my precarious financial situation it was important for me to resolve this. Because I was aware of a number of lawsuits and other actions against MCM it would have been stupid to accept someone's claim that " down payment '' equaled " paid in full ''. 

I have attached the email. Please note that nowhere in the email does it say " payment in full ''. This language could easily be describing a one time down payment with other payments to follow. If the payment is meant to be payment in full, why would a legitimate company not just say so?
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services, I never applied for credit with this company. I tried contacting them and they were no help. I rented a car due to a car accident,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have 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. 

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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you