23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

It was Sunday, XX/XX/2021. I had read through some card offers, through my XXXX  online account, after checking my credit score. ( which was XXXX XXXX. I seen DISCOVER was offering a pretty decent one for 11.99 to 22.99 % variable APR w/ no annual fee plus 5 % cash back on certain purchases per a rotational basis, 2 % on gas and dining out and 1 % on everything else. So I unthawed both my XXXX  and XXXX  accounts temporarily, XXXX  because the offer was seen originally through their site and XXXX  because that's where it was stated in their terms they ran the credit check, and applied online. About 60 seconds after applying I was approved for a {$500.00} credit limit with the payments being due the XXXX of every month. I was informed that i should receive my new card in 5-7 days. Two days later I get a suspicious email from " verification services '' ran through XXXX  XXXX who I didn't unthaw nor gave any type of permission to share any of my info with anyone ) requesting two years of tax returns by e-signing a 4506-C document. It further stated in the email that DISCOVER was the one requesting the information AFTER I had already been approved. So i called DISCOVER customer service and spoke to a lady there and she said there was absolutely no record of verification services at DISCOVER requesting that info, and that i should not click any links within that email. she said my account was approved and everything was fine. There wasn't anything else there. So a bit relieved I just went on about my business. That is until I received a second email from that " VERIFICATION SERVICES '' requesting the same information again. This time I called the number on it. It was DISCOVER and it was them requesting 2 years of my tax returns. I asked the woman on the phone why they needed two years of tax returns for a simple XXXX credit limit and why this info wasn't requested during the application process and before the approval process if actually a requirement. She DID NOT answer either of those two questions. She just kept apologizing, but at the same time told me that they request the information with and from existing customers. I was a new customer that NEVER had a card with them before. Still finding her inability to answer my two previous questions and being dodgy made me very suspicious. So I told her to just close out the account i had just been approved for and that i would be filing a complaint with the CFPB. And here I am.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2020 I contacted experian, XXXX, and equinox about fraudulent loans being furnished on my credit report. After sending a police report, FTC fraud report, equinox deleted the inaccurate information but experian and transunion denied to fix the issue on several occasions after sending affidavits, police reports, fraud reports, court rulings, and phone calls. The XXXX  XXXX XXXX XXXX XXXX had lost a case for fraudulent loans. 

According to documents, all fraudulent loans were to be cancelled and cleared from reporting. That has not happened. 

This has caused adverse harm in seeking housing, and solid transportation.
Product: Mortgage

In XX/XX/2020, I was scheduled to close a refinance with another lender, servicer. 

Mr cooper services my current mortgage. Upon notification of my close they stated to my closing agent, they need a month to process my documents. 

One month later, they reported they lost my stock certificate and lease and need another month to complete an affidavit. 

Once that was done, in XX/XX/2020, I no longer qualified due to more stringent credit requirements that XXXX XXXX, the holder of my note, had, due to covid. 

In XXXX and even as late as XXXX I was able to close had Mr. Cooper completed their responsibilities. 

I have had to continue paying a higher interest rate and {$300.00} more per month since this occurred. 

I have asked Mr Cooper on three distinct occasions since XXXX to account for their actions and how they plan to remediate my losses due to their negligence and they will not answer me. 

Their attorneys, XXXX XXXX also refuse to answer. They are stonewalling me on purpose. I have received lip service from their consumer affairs dept and no follow up. They have violated their own statements on three consecutive requests for information that it will take them 20 to 25 business days to respond, which they never completed, nor followed up formally.

I'm going to file a lawsuit against them and their attorneys and file with Tx and IL at XXXX, and XXXX the CFPB.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX 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 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 Balance XXXX {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXlance : {$250.00} ; XXXXXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX : {$6100.00} ; XXXX XXXX XXXX  XXXX XXXX : {$1500.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX : {$4000.00} ; XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$480.00} ; XXXX  XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I received a call from XXXX but it was missed while at work. I took the time to call the number back and some man named " XXXX '' answered. I asked him several times if he was a bill collector or if call was from collection agencies. His response, " Why don't you XXXX us '' and slammed the phone down. I attempted to call them back to speak to a manager, which I finally did address with XXXX XXXX XXXX-Vice President - Operations, whom did nothing to rectify his employee 's or his company 's wrongdoings. Now I've found several complaints against this company online about there collection tactics and I think that the CFPB should step in and look into this company.
Product: Debt collection

Midland Credit Management Inc FAX # ( XXXX ) XXXX XXXX : account # XXXX OR XXXX Attention to DISPUTE DEPARTMENT Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name This debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify any company associate with this account and tell them the debt is the result of identity theft. 
I have enclosed a copy of the Federal Trade Commission 's Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform any company associate with this account Midland Credit Management Inc that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX D.O.B : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX SS # XXXX
Product: Mortgage

Hi, On XX/XX/2021. I applied for a refinance home loan and was denied due to high DTI. Im on low income social security XXXX. I pay my bills, I pay my current high mortgage and my current high assessments. 

My mortgage is {$910.00} My assessments for my condo are {$360.00} Homeowners insurance is {$110.00}.

I live with my mother. I have a great credit score of around 800. With this loan I could of lowered my mortgage payment by {$400.00}. But I was denied the loan because Im currently paying a high mortgage and assessments. I have no credit card bills. I have for 21 years paid my high mortgage and my ever increasing high condo assessments. One should not be denied because of lack of reserve funds or potential inability to pay the new mortgage, but the lender should be encouraged that my 21 year history of paying a high mortgage, although I have struggled I have done SO in good standing, meaning a lower monthly mortgage with a refinance Im going to be pay it with more ease. I should not be denied just because of a high DTI. Thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and notice an account that was not reported accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with the complete accuracy. The account XXXX XXXX  has not been late on payments. Ive attached a copy of my report to this complaint on the following dates MONDAY XX/XX/year> and SATURDAY XX/XX/year> I am now requesting you investigate this account and update these payments to paid on time immediately thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

that a computer glitch that was TransUnion 's problem - not yours - caused your inquiries to be deleted. TransUnion later added them all back onto your credit report without giving you the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. This all took place in the last 45 days these inquiries add a hardship and that your rights were violated by TransUnion. Please help me make TransUnion stop victimizing you. as a resolution that all of
Product: Checking or savings account

On XX/XX/XXXX a charge from XXXX XXXX was used on my debit card for {$640.00}. On XX/XX/XXXX a charge from XXXX XXXX XXXX was used on my debit card for {$28.00}. On XX/XX/XXXX a charge from XXXX XXXX was used on my debit card for {$320.00}. I called Chase bank on XX/XX/XXXX to report my card as stolen. I didnt know I lost my wallet and my card was inside. The transaction I used on my account with my physical card was at XXXX XXXX XXXX for {$1.00}. I received a letter saying that all of the temporary credit I was provided will be taken on XX/XX/XXXX which is a total of {$990.00}. When I called the bank they said that they had deemed my transactions as authorized and that they will be sending information in 2 business days. I also asked if I can appeal but I will have to provide proof that my card was stolen. I reported my card stolen the second I noticed that it was stolen and dont know what other proof I can provide.
Product: Credit reporting or other personal consumer reports

there's an inquiry in my report that i don't recognize. This is fraud and i wanted it to be removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX inquiry date XX/XX/year> XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Account with the Fair Credit Reporting Act XXXX XXXX. XXXX XXXX XXXX and Experian has, violated my rights. 

15 U.S.C. 1681 Section 602 A. States i have a 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. 

Have not provided me a copy of ANY original Documentation ( a consumer contract with my Signature on it ) as required under Section 609 [ a ] [ 1 ] [ A ] & section 611 [ a ] [ 1 ] [ A ]. furthermore, they failed to provide the method of Verification as required under Section 611 [ a ] [ 7 ].

Section 611 [ 5 ] [ A ] of the FCRA they are required by law. Need ALL INFORMATION Promptly DELETE WHICH CAN NOT BE VERIFIED.
Product: Checking or savings account

Last week I used the XXXX XXXX where attorneys help with financial obligations and such during this pandemic. Well they sent a few letters on my behalf to ally bank and ally closed my accounts! I have a check from a matured certificate deposit account I can not cash now
Product: Credit reporting or other personal consumer reports

I closed the surge XXXX  account in XXXX of XXXX  at my own choice. I am currently on what is called their hardship program which I pay {$28.00} per month. I have made every payment as agreed although surge XXXX continues to report that I am 30 days late and that the account is open when it is closed. At one point they did remove the late payment when they saw it was done in error although I believe now there is a malicious entity that is working there in the back office that is maliciously continually reporting a late payment and now they have reported my account as open.
Product: Debt collection

I gave all my information to a scam website called XXXX The lady took my credit card number and billed to XXXX for {$1.00} dollar. Then asked for {$280.00} to resolve a dispute but I didn't have the money to pay. She has my social security number along with all my other information.
Product: Debt collection

I have seen patterns of abuse in which collection agencies do not provide me with a call or any form of communication in writing but send it to my credit bureau or contact my job via work email. I ask for documentation and cease until documents are provided and requests are granted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX accounting department is the problem. I paid the supposedly balance of {$600.00}. I have the canceled checks. 
1. XXXX charged for two XXXX surgeries when they could have did both XXXX at once. I paid {$600.00} for the original XXXX. Some months later I get a bill for another {$600.00} for the second XXXX. I made payments of {$50.00} per month. I noticed on statements the amounts never changed. I wrote and called and asked for updated statements. I never received any updated statements. Once I paid the {$600.00} I stopped sending payments. Some months later I got calls from collection agency. I told the collection agent I was n't going to pay because I had already paid and talk to XXXX XXXX 

Dates of XXXX XXXX XXXX XX/XX/XXXX Date of XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Balance {$760.00} Acct # XXXX XX/XX/2022 Credit bureau association XXXX XXXX XXXX XXXX XXXX XXXX On this date ccompany oped a collection saying I owed this collector I dont know who they are and have no written consent Also they have not verified that I owe this debt to this alleged company! They are violating my rights of the firs as a consumer! Please have removed from all three credit bureau!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXXhas 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 card or prepaid card

II have a charge on my account for {$2.00} with XXXX XXXX XXXX and I did not make the purchase of {$2.00} with XXXX XXXX XXXX. I went to a chase branch and was told that it was going to be disputed around XX/XX/2018. I was told by Chase on the phone on XX/XX/2018 to call XXXX XXXX XXXX pertaining to the charge. So, I called XXXX XXXX XXXX and spoke to a Manager Name XXXX XXXX who advised me to dispute it with Chase. I then Called Chase back and spoke to a Chase Manager Name XXXX who was rude to me and refused to file a dispute regarding the XXXX XXXX XXXX  charge. I then asked to speak to another manager several times and that was refused. Then XXXX hung up the phone on me. I also was told by chase to close my debit account and I declined. I just want my dispute to be resolved.
Product: Credit reporting or other personal consumer reports

XXXX is in the name itselfXXXX. They are con artists. XXXX refused to take back the washer and dryer when I called to return them due to job loss, which led to collections and a charge off. Theyre reporting that Im paying as agreed, but I havent made any payments since I requested a pickup. When I did call to settle I was told they would update my account to " paid in full '' after I settled, but they wouldnt put it in writing, so I refused to pay because it means nothing without documentation.

They also financed my delivery charges without giving me the option to pay upfront and did not clearly explain the agreement. I was told I could return the items if needed, but that was not the case. XXXX is a scam, charging XXXX times the actual price and putting people in difficult situations just to collect money and ruin their credit. Companies like this need to be shut down!
Product: Debt collection

Hello My name is XXXX, Back on XXXX XXXX, 2014, I closed a credit card account with XXXX XXXX Bank. Before closing my account I made sure I paid off my balance of only XXXX $ which was the amount I was credited for. After closing my account, I know see that 2 years later I have a debt of {$600.00} that is sent to collections. When I call the credit card company, there 's not XXXX person from the company who willing to help or speak proper XXXX. I 've called multiple time through the span of 2 weeks, and I would like to know why I have a balance of {$600.00} that I will not pay unless I get some explanations. I have proof of my payments.
Product: Debt collection

I switched with someone else and had coverage at the time due to XXXX having ridiculous prices. I tried cancelling but XXXX refused to work with me I do not owe the XXXX they say I do. If I need to file a law suit I will be getting my attorney.
Product: Checking or savings account

On XXXX XXXX, XXXX made a charge to my Wells Fargo debit card in the amount of {$340.00}. This was not credited to my XXXX account ( my XXXX account has been up to date for over a decade and belongs to one house in XXXX, Georgia -- the charge on XXXX/XXXX/XXXX was from XXXX in XXXX, Florida ). I called XXXX on the XXXX ( and the charge was still " pending '' in my account ) and the person on the XXXX line said they could not find the charge in any of their systems, and I needed to call my bank. I called Wells Fargo the same day, and told them it was an unauthorized charge. They said they would start the charge dispute process and get back to me. On XXXX, I received a phone call and a letter from the Wells Fargo dispute center saying they needed more information, so I called them back. The lady on the phone at that time said thew dispute claim was brand new as of the XXXX ( she could find no record of my original call on the XXXX ), but they had given me a temporary credit. The claim number was # XXXX and they listed the cause as " charged wrong amount '' which I told them was incorrect. I should not have been charged at all on that date. The wells fargo representative then told me she would investigate and get back to me. Less than a month later, I received a letter from Wells Fargo saying they did not receive the information they requested from me ( which I do n't understand because I talked to a representative in person and she said she would proceed with the investigation ), and they were taking the credit to my account back because they found the charges were made by me or someone with my permission and to consider my claim closed. I can assure you I have n't made a false claim accusation in the past decade as a loyal wells fargo customer and no one had my permission to use my card for a Florida XXXX account. The fact that a company that literally stole and abused the identities of thousands of their own customers would call me a liar is inexcusable. I want other people to know the kind of abuse that they will be subjected to when they just expect their bank to do the one primary job of protecting their customer 's money.
Product: Mortgage

I have disputed the value of the bpo given by Mr.coopers representative for months. 

I have now as of last week requested a full Appraisal on the home and come today XXXX. I was told that no new evaluation of the home can be done for 120 days from the first evaluation. 

They ( Mr.cooper ) Continue to give the run around and do not have their customers best interest in mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX  Transunion is showing a account from XXXX XXXX  as being closed. I contacted XXXX XXXX  and was told that the account was paid off and they had sent me a letter of pay off along with the contract stating it was paid off. I let Transunion know and started a dispute. Along with documents stating that the account was paid off and not closed. XX/XX/XXXX Received Dispute report stating INVESTIGATION RESULTS-VERIFIED AS ACCURATE AND UPDATED. Credit report is still showing account as closed. This is affecting my score. The account was paid in full. XXXX XXXX  {$10000.00} loan paid in full XXXX and XXXX both show the account as paid off.