23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Applied for Loan - XX/XX/2019 : Received Credit Reports - XX/XX/XXXX & Letter of Credit Approval - XX/XX/XXXX ; Property Evaluation / Appraisal - XX/XX/XXXX ; Received Notification of Loan Approval - XX/XX/2019 ( via email ; and a copy on XX/XX/XXXX via USPS ). 

Much to my chagrin, as per a telephone conversation with the original loan processor, ( XXXX XXXX ) on XX/XX/XXXX, I was advised even though everything was approved, due to staff at the branch not being available, the loan could not be consummated until XX/XX/XXXX. The loan did consummate on XX/XX/XXXX, with a Disbursement Date listed for XX/XX/XXXX. Due to lender 's error in Notarizing the documents, the disbursement did not take place until the XXXX or XXXX, and it was only because I had called the branch 's manager did I find out of the error ; the Closing Disclosure was never revised or was authorization given for the change. This act of FRAUD, cost me a minimum of {$100.00}, ( {$27.00} per day ), in 4 days of interest charges I had to payXXXX XXXX  on the loan PNC was paying on my behalf .... not to mention the the additional days of interest charges I was required to pay because they did not have staff available between XX/XX/XXXX and XXXX. 

See attached correspondence from PNC in response to my statement.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft, which is documented on my credit reports. I have reached out to these companies to provide verification and investigation documents for this unknown debt. These companies continue violating my consumer rights by reporting this unknown account twice on my credit report and every month they are adding new negative remarks which is damaging my creditworthiness, damaging my character, and preventing me from getting employment and housing. They are also violating the HIPPA Law by advertising the medical term Emergency on my report which is a violation of privacy. XXXX and XXXX deleted this from my report immediately, but Experian continues to advertise this unknown inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/2021 Purchase made for {$280.00} using XXXX ( merchant ) app was having a problem completing the large purchase with Affirm. I was receiving notifications that the purchase wasn't completed and the item was still at risk of being purchased by another buyer. After a few attempts, I decided to charge my CC for the full amount instead of the loan since it wasn't allowing affirm to complete. So I paid in full {$280.00} on XX/XX/XXXX with my CC. 
XX/XX/2021 I woke up the following morning to check the transaction and see if there was any tracking information posted yet. And XXXX ( merchant ) had disabled the listing which confirmed I purchased, as it appears they also disabled the Seller 's account and all of their listings, but didn't notify me or issue a refund. So, I contacted XXXX about this listing and expressed my concerns. 
XX/XX/2021 XXXX replies that the seller is having shipping issues to allow more time but refuses to respond to my concerns that the Sellers listings and account are disabled. This is because XXXX doesn't have any customer service or business accountability its a robotic method and community generated support team. 
XX/XX/2021 I received notification from Affirm that a loan was now issued days later- for {$280.00} for the purchase which I already paid for. I contacted XXXX again, no resolve, no real acknowledgement of the problems. I also immediately contacted affirm and uploaded documentation that I was double charged and advised them that the listing also seems to have been a scam where I am also without the item purchased as well. Affirm provided a generic response and closed my dispute pointing fingers at the merchant ( XXXX ) Now I am stuck in the middle of 2 poorly performing companies with nearly {$600.00} lost. 
XX/XX/XXXX, the listing for the Item has disappeared completely that I purchased, And remains on my app as purchased. Adding that I still have record of the purchase, and now I am double charged and no refund or investigation from the Merchant XXXX, or from Affirm even with 3 disputes and several emails plus uploaded documentation. No one seems to care or address the fact, that I was scammed. 
XX/XX/XXXX, sent another email to XXXX with no resolve. I am now out almost {$600.00} and will definitely be filing legal complaints in the courts to recoup if both companies don't work together to sort this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Point Collection Resources is intentionally trying to damage my credit to keep my mortgage application from going though. They are reporting 2 accounts on my XXXX credit report. They waited until I applied for a mortgage to report their collection. The loan was pre-approved, but my home is now under construction. The mentioned accounts are PAID IN FULL, via XXXX XXXX ( original creditor ) who when they took my payment recalled the debt from First Point ( I have this on a recorded call and willing to provide ). The debts in question should not even be reporting! 

First Point also violated the FDCPA on 2 occasions by contacting me after receiving my certified mail letter telling them not to. ( See attached Letter, signature receipt, and screenshots of calls ) I have legal council that will be filing lawsuit on those violaitons, however if this credit reporting issue causes me to not qualify for the mortgage, I will also seek damages up to {$250000.00} for their intentional acts. 

To further confirm my belief that First Point is intentionally trying to damage my credit, I know the credit bureaus have announced they will no longer be reporting medical collections under {$500.00} and deleting all paid collections. Knowing this fact they were trying to do damage while they could.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX the following addresses are not mine please delete them they are not accurate. 

XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit card

they have refused to pay two of the black business owners the first I had to pay out of pocket cost which I preferred to use my open account with synchrony this second time customer service said the company could send in all invoices an getting paid they would not have a problem that was on XXXX its now a month later and synchrony has given the run around did everything they ask for and they continue to take me through changes Iam XXXX XXXX XXXX and they should have better business practices i need help getting this company paid from my open account even if they need to give me a temporary synchrony master card just to bill my synchrony account so that its invoiced taxes are out the will be complete the owner paid and synchrony with my new balance and payment information I am not a XXXX this is my open account if it was done wrong they need to help correct this since customer service i was doing everything right and everything should be good. help cause it's not good and right. and it's their people 's fault for lying saying the company could call it in to get paid all of the and send the invoices in all lies.
Product: Checking or savings account

I am complaining about unjust overdraft fees fron XXXX XXXX. I have screenshotted the post on CFPB.
Product: Debt collection

Good morning my name is XXXX XXXX, when I recently checked my credit report, I found several unknown inquiries for personal loan, and recently somebody successfully obtained XXXX XXXX XXXX  personal loan under my name from US Bank. Additionally, I do not live in United States and, I am not citizen or permanent resident, last time I visited US was in 2021 ( all supporting documents in attachments ). This situation is feels like my identity have been stolen to do this criminal activity, that is why I have filed identity theft report and police report. Reason for filing this report is to ask US Bank to investigate this situation and help me to recover from this situation. Below are the details of that account US Bank loan number : XXXX First and last name of victim : XXXX XXXX
Product: Checking or savings account

My debit card information was stolen and used in 4 different unauthorized transactions totaling {$8100.00}. I immediately called Wells Fargo to dispute the charges and was told the investigation would take 10 business days to complete. After waiting to hear from Wells Fargo with no update I called and was informed my fraud claim was denied and I was responsible for the charges. I then went and filed a police report with the City of XXXX in South Carolina. Case number is XXXX. I then went to my the local branch where I was informed that Wells Fargo would not reopen the investigation with no clear reason given why and that my only avenue would be to file a complaint. I never received fraud alerts on these amounts for approval. I called one of the websites that was used to steal my money and they informed me that they had already closed the account that was used in the transaction due to fraud and to have my bank contact them to resolve the issue and Wells Fargo refuses to do their part, after having an investigation open into my account for 10 business days they never even contacted the locations that were used to make these fraudulent transactions and basically told me that its my fault that someone stole my money out of my account and they will not do anything about it.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the BBB along with the CFPB against XXXX XXXX. I sent a method of verification letter on more than one occasion, in which they never responded. According to FRCA laws they are required to either respond to the letter or they are to delete the item, and they haven't done either. This is a DIRECT violation of FRCA laws. I've also requested my full credit report more than once and they are refusing to send that as well. 
Also, the supreme court states that a dismissed XXXX under code XXXX of the XXXX  code is to restore both parties to pre-petition financial status as if the XXXX NEVER happened. It also states that it is meant to UNDUE the XXXX. XXXX XXXX is going against the Supreme Court 's ruling, and impending on an individual 's rights to return to their pre-petition financial status as if the XXXX never happened.
Product: Money transfer, virtual currency, or money service

I ve had Zelle and sent {$1000.00} to wrong person and I asked the bank to reverse and cancel transaction and zelle told me they couldnt. I wasnt aware of once you send any money, you will not be able to get your money back. This information should have been disclosed on the App.
Product: Debt collection

XXXX XXXX bought my XXXX XXXX Debt. They sent the initial letters to the wrong address and I did not get a chance to dispute prior to being placed on my credit report. 
Also this collection reports as an installment loan on at least one of the reporting agencies XXXX  as an installment loan. 

Please refer to complaint XXXX XXXX received complaint XX/XX/2018 Many other complaints such as mine were similar. 
This is not a installment loan Credit collection and not a loan. I paid monthly reporting as a loan is incorrect. I am requesting close with non-monetary relief no valid letter given to right address. This has caused much distress and hardship for me by not sending the validation letter to the right address, reporting as an installment loan to at least one of my creditors has greatly affected my score, as well as reporting monthly negatively on all credit agencies.
Product: Credit reporting

Somebody used my personal information to obtain a credit card from XXXX, account numbers XXXX ; XXXX ; and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1st Franklin with Account # XXXX is not my account I have informed the company of the identity theft situation and the account is still on my credit reports.
Product: Debt collection

This debt is highly disputed. Also, retained attorney for BK filing. Please cease and desist all communication.
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX inquiries on my credit report that i know i did not apply for, as well as XXXX collections account on my XXXX report! 

Hard Inquires on XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is continuously adding falsifying information to my report without validation. For example on case with CFPB  XXXX , a request to have fraud alert removed from my credit report because I am having trouble with things still being added without consent that any company contacted me.  XXXX  stated that they will remove the alert. Well on  XXXX   XXXX  I received an alert from a credit monitoring agency that something was added to my report. After contacting Transunion to ask what was added  XXXX  stated that they received an update from   XXXX   for an extended fraud alert was placed on my report. I also received in the mail from  XXXX  a letter that will be attached that I requested this information. This is false. I never requested the information to be added. I have not asked   XXXX   to represent me in no way shape or form. Your case above shows evidence that a request was placed to stop the fraud alert and they acknowledge. This goes to show this company is not trustworthy. Also I disputed several different items on my report and according the file that was sent to me by   XXXX    that the investigation was completed and the notes will show either " verified '', " deleted '' or " updated ''. Everything in the file #  XXXX  states consumer disputes or consumer disputes reinvestigation. Nothing showing anything was  VALIDATED not Verified but VALIDATED .  XXXX  is not trustworthy and adds items to consumers reports without consent or validation. I asked that the items in my credit report circled and notated be removed immediately from report and that  XXXX  contact the other agencies to have them update my information as well. Also please note that in  XXXX   XXXX  was sued by  XXXX   XXXX  when she was denied for credit and saw that information on her credit report was not valid. According to her case which is similar to mine in  XXXX  she disputed with  XXXX  about inaccuracies on her report several times including the time when they told her that her file was mixed up with someone else but she had to dispute the information. Currently this year  XXXX  and Transunion are currently being sued for misleading information to consumers. Again this is an example of this companies trustworthiness.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX charge is closed with a XXXX interest program I paid off the balance XXXX $ its been a whole month the updated status in not reported and there charging me a late payment on my account XX/XX/year> wich I contacted them they said its nothing for them to do. I would like them to delete the payment cause they dont have consent to file late payment when account was closed by granter. I would like the late fees be removed due to the fact the balanced was paid offf. Before XXXX XXXX.
Product: Checking or savings account

I was told about a checking account that I did not open for XXXX to XXXX I believe no action was taken cause I did not know about this account but did receive a letter about a XXXX XXXX check that I didn't receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

We need to reopen Complaint ID XXXX that was prematurely closed in error. I received a written statement from Equifax that contradicts their response to the stated Complaint. We have never received an explanation of the debt claims and the statute of limitations has passed.
Product: Credit card or prepaid card

Chime refused to credit account back for money I did not use and I told them I want account closed since they could not return money I did not spend and this is on the credit builder card and I have not deposited money due to the fact why should I when if a transaction is not mine they wont return funds. And I asked them to closed and reporting late payments when I asked for it to be closed and removed when they could not give money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this letter XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and Equifax is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.Below you will find a screenshot of the account. 
XXXX XXXX  XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$21000.00} {$21000.00} {$21000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$25000.00} {$25000.00} {$21000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$21000.00} {$21000.00} {$21000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Unsecured Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card

I reserved an XXXX in XXXX and XXXX for XXXX XXXX this year. I was charged {$2200.00} in two charges for this. We had a major safety issue that the hosts, XXXX and my credit card Company ( US Bank ) failed to compensate us for. US Bank denied my credit card dispute and I want that to be reversed. Details below : We had a big safety issue in our XXXX with unsafe infrastructure. A big glass panel in the shower broke onto me while I was taking a shower. I did not misuse or make contact with it other than close the door to take a shower. I have injuries and proof of injuries as shown in the photos attached. 
The hosts threatened to charge the bill ( for damage ) to me, when they are the ones who did not make sure the glass was safe for me to use and their home was safe for me to stay in. Please help me as this was a life threatening situation and I need compensation for physical and mental wellbeing. 
As you can see from the photos, the glass fell straight down. It is not in an angle because I was not in rough contact nor did anything else touch it. It just came showering down glass pieces all over me. You can see from the photos as well how much I am bleeding from the cuts from glass. 
In addition, the hosts got a cleaner to come into our XXXX at XXXX with no forewarning while we were asleep. We were not alerted that people we do not know had or have access to our XXXX where we are as well as our valuables. We were also not alerted that they were sending people we do not know to enter the premises in the early morning. We were caught unaware and once again I feel my safety was in danger with this situation because of the host.
Product: Vehicle loan or lease

Consumer Portfolio Service, CPS, has violated my rights.

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be inaccurate.

In addition, that late payments that CPS noted occurred after my vehicle was repossessed on XX/XX/year>. As the vehicle was repossessed, I was no longer obligated to make payments on the account. 

Therefore, these late payments are inaccurate and should be removed from my credit report. The payments continued whilw the vehicle was no longer in my possession. 

I request that you investigate this matter and remove the inaccurate late payments, repossession and remaining balance from my credit report. I have paid my loan in full and am asking that my title be released to me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NJ XXXX XXXX
Product: Bank account or service

I received a Reward Debit card for purchasing XXXX tires for my car. It is a VISA Card issued through Citi. I left it in the envelope for a period of time and when I called to activate the card and was informed that it had expired and that it had a 6 month use it or loose it date. I purchased the tires in XXXX and the card expired XXXX. I did some research on a couple of websites including Wisconsin XXXX XXXX and found the information that states : " Cards given as a reward or as part of a promotion for making a purchase can expire in XXXX year. The expiration date must be clearly disclosed on the card ''. I called Citi back and talked to supervisor XXXX agent number XXXX and talked to him about my findings on the website and he informed me to go ahead and file a complaint if that 's what i wanted to do, and that Citi 's policy is no re-issues are given. I also talked to him about the XXXX XXXX XXXX web page that had a complaint from this past XXXX against Citi for a similar problem and everything that he said to me is the same as what was told to that consumer as well. XXXX said again go ahead and file the complaint if that was my choice but they would not be making any payment to me so that is what i am doing. I am probably not the only one that has had this happen and would really like to see this practice ended.