23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We had a contract for the sale of our home from a XXXX who had a letter of pre-qualification for {$650000.00} from SunTrust Bank. The buyer complied with all the requirements were given successful progress reports from the Loan Officer and as per the XXXX XXXX, 2015, purchase agreement surveys were done, inspections were done, small termite was fixed and home tented as per the contract requirement, we moved out and sold our furniture and today, the day before the closing, the Loan Officer at Sun Trust bank called the buyer and notified him that they were soon sending a letter of denial which can not possibly arrive before the closing date on the contract. The buyer was told at the end of last week that the loan officer was schedule to speak to the Chief Underwriter on Wednesday the XXXX to get his approval for approving the loan, but that the bank had added a new condition ( a week before the closing ) that the buyer had to sell his home before the closing to get the loan approved. The buyer was told it was a new rule that the bank had just put in place. A bank loan officer regularly dealing with real estate gives the buyer one week to sell a {$300000.00} plus property. Toda, Thursday the XXXX I received a text from the buyer that the bank Loan Officer told him that he will be sending a denial letter. In the mean time we as sellers had to leave our property for termite tenting required by Sun Trusts before closing ( which killed all the landscaping in the flower planters and makes it impossible to present for sale efforts ), moved out contents, sold our furniture, and the bank seems to bear no liability for disrupting XXXX families, particularly the seller who now has an empty home very hard to present as it is empty and with not furniture or decorations. Are there no regulations on the timing that a bank has to notify the parties officially when a loan is being denied and for what reason and do so timely to allow buyer to resolve the issue and the buyer not to proceed as though the process has no problems that will prevent a closing? If that is the case, it is time for more regulations and not less.
Product: Credit reporting

My car. Was repossessed after 5 year ayments The car. Was. In AccidentAccident while. It. Was. In. An accident. Car. Malfunction ed. Went. Into. A tree. The. Insurance co. XXXX paid. The. Finance. Company {$1500.00} Dollars. sl
Product: Credit reporting, credit repair services, or other personal consumer reports

During rst week of XX/XX/2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new XXXX  vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit XXXX. I pulled my credit les from XXXX, XXXX, and Equifax and found that someone has been using my identity to obtain credit from several creditors. These creditors include the US Department of Education ( {$110000.00} for was looks like student loans ), XXXX XXXX XXXX  ( {$20000.00} ), XXXX XXXX XXXX ( {$21000.00} ), XXXX XXXX XXXX XXXX ( {$30000.00} ), XXXX XXXX XXXX ( {$5200.00} ), and XXXX XXXX and XXXX XXXX ( {$490.00} ). Also within my credit les, I found furnished information ( names, addresses, phone numbers ) that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card

CFPB case # XXXX XXXX weeks and no response. See attached letter When looking side by side at our original check dated XX/XX/XXXX sent by us in good faith before due date on XX/XX/XXXX per CITI stmt and what CITI transposed and submitted incorrectly, it is clear their end made an error causing the bank check to bounce twice. The check # was NOT XXXX like CITI input but was # XXXX so this was NOT my fault or my credit unions fault. 

On XX/XX/XXXX, I have made arrangements with my credit union to stop pmt on the original check and the funds are in my account but I will go no further until resolution fair to me is reached.
Product: Checking or savings account

Complaint Against : JPMorgan Chase Bank Amount Disputed : {$390.00} Transaction Date : XX/XX/XXXX Merchant : XXXX XXXX XXXX Details of the Complaint : On XX/XX/XXXX, I booked a room at XXXX XXXX XXXX but had to cancel my stay immediately upon arrival due to multiple unacceptable conditions that were not disclosed before booking. The room was dirty, noisy, and did not meet my expectations whatsoever. Because of these issues, I immediately requested a cancellation and sought a refund from the hotel. However, they refused to accommodate my request. 

Following this, I filed a dispute with Chase Bank to contest the charge. After reviewing my case, Chase initially refunded my money in XX/XX/XXXX and credited my account for the full {$390.00}. However, more than a month later, Chase suddenly reversed the dispute decision without providing sufficient justification, reapplying the charge to my account. 

I attempted to resolve this with Chase by requesting a reconsideration and providing additional details, but they refused to cooperate or provide a proper explanation for the reversal. The sudden reversal of funds after initially siding with me feels unfair and inconsistent with fair dispute resolution practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX Attached information suddenly showed up on my XXXX and XXXX reports which indicate a fabricated/fraudulent collection account that is not mine. 

The only collection account I have is w/XXXX XXXX of whom offered a recent settlement and shall be paid off 'completely ' in XX/XX/XXXX. 

I was excited thinking 'FINALLY ' my credit score shall return to a viable number, yet with this new 'fabrication ' my score dropped even further ... by XXXX points!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX  USADispute TEXAS XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX XXXX XXXXDispute filed ftc violations o
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX ran a hard inquiry. I do not recall giving them permission to do so. On XX/XX/XXXX XXXX XXXX, ran a hard inquiry. I do not have a relationship with them and did not give them permission to do so. 

I applied for credit for XXXX XXXX, so if XXXX XXXX is owned by XXXX  or XXXX XXXX then perhaps it was with permission, but I think applied to XXXX XXXX on or about XXXX 
I have XXXX XXXX permission to run my credit XXXX time on or about XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a card with XXXX XXXXXXXX XXXX XXXX XXXX. This account is paid and closed. The creditor is still reporting this account with a balance as a charge off. 
When i made the arrangement to pay the card off i was told after the payment that the account would be deleted from my credit file. 

I also asked for this is writing after the payoff which was over a month ago and i never received anything and the account is still reporting incorrectly on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter off on XX/XX/XXXX. I have sent out another letter certified XX/XX/XXXX. Here is my tracking # XXXX XXXX XXXX XXXX XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information to third party company 's. 
These are clear violations of my federally protected consumer rights.
Product: Debt collection

Wakefield & Associates is on my credit report as my owing them {$500.00}. This is not my debt and XXXX will not remove it from my report.
Product: Debt collection

Regarding complaint XXXX XXXX XXXX XXXX XXXX XXXX Rowland Avenue Management , Inc. A/KA Columbia Debt Recovery , LLC d/b/a Genesis state they will be deleting their collection {$4100.00} that is reporting on all 3 of my credit bureaus however they did not advise when they will be deleting this collection on XXXX, XXXX, and XXXX. Please advise when this collection will be deleted on XXXX, XXXX, and XXXX. As of XX/XX/2024 it is still reporting on my credit.
Product: Debt collection

This company ( ERC ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1000.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit card or prepaid card

When we had a XXXX XXXX XXXX card, I placed two XXXX XXXX XXXX Reservation Deposits on it ( we were getting two separate rooms ) through a travel agency. One of the deposits was for {$280.00} and the other was for {$460.00} for a total of {$740.00}. Unfortunately, our family decided the trip was not going to be able to happen ( it was scheduled for XX/XX/XXXX ), and requested a refund for the deposit. Since I knew the relationship between American Express and XXXX had been severed over a year ago, I called prior to initiating the refund to find out how that would be handled. I was told that the two accounts are connected, so the refund would transfer over to the XXXX XXXX card now through XXXX with no issues. Since it seemed to be no big deal, I went ahead and pursued the refund through XXXX XXXX XXXX. There were some technical difficulties on the XXXX side, but they did indicate that on XX/XX/XXXX the two refund deposits were refunded back to American Express. After a few weeks of waiting for it to appear on the XXXX XXXX account, I began inquiring about the status of the refund. I started with XXXX who said they were unable to see any refund on their end in their system. I then called American Express to see if they could tell me where the refund was, and I was told that since I no longer had the account, they could not assist me with my inquiry and gave me a number to call ( it was the number to XXXX XXXX ). After going back and forth between the two credit card companies, I was never able to get any information from either company with each referring me back to the other. Finally, I called XXXX XXXX XXXX to see if they could see the status of the refund. They informed me that the refunds had been processed and approved and provided me with the following Reference # and Trace Id # for each of the transactions : Transaction # 1 - Reference # XXXX / Trace ID XXXX Transaction # 2 - Reference # XXXX / Trace ID XXXX On XX/XX/XXXX my  husband called American Express to inquire about someone searching the refunds with the reference and trace id # s above. After going through SIX different people who all said they could n't assist because we no longer held an account with them, he was finally transferred to a manager ( XXXX XXXX - XXXX ) who said she would investigate and get back to us about what she found. She did explain that it make take a week or so since it was the holidays, and we completely understood. After the XX/XX/XXXX, when we still had n't heard back, my husband began attempting to reconnect with XXXX XXXX multiple times with no return calls. 

On Friday, XX/XX/XXXX, I again reached out to American Express ( via XXXX this time ) and was told the same thing ... they can not assist because we no longer access that account. I explained I am not wanting to access the account ; I am simply wanting to locate and receive the refund of MY money that was accepted by American Express six weeks ago. The XXXX conversation ended with them indicating they would email XXXX XXXX and request that she reach back out to us. That has still not happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report. I noticed some charges made does not match my records and was not made by me. Please remove all accounts listed in this report from all 3 credit bureaus Experian, XXXX  and XXXX. The false information that's reporting on my credit report is affecting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting, credit repair services, or other personal consumer reports

I 've submitted multiple request to have a child support account updated ; it appears on my reporting twice. I 've called my state agency and they said Equifax has to fix it and they are known to do this in the  State  of Oregon. Please help me ; it shows up as  XXXX  negative accounts ; impacting my credit score significantly.
Product: Checking or savings account

This letter constitutes a formal demand under applicable consumer protection laws, including but not limited to the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 et seq. 

On XX/XX/year>, your company, XXXX XXXX XXXX, made unauthorized withdrawals from XXXX XXXX XXXX XXXXXXXX account without my consent. At no point did I provide my banking information, authorize any transactions, or enter into any agreement with your organization. Despite multiple attempts to contact you via your provided email ( XXXX ) and phone number ( XXXX ), you have refused to respond or refund the stolen funds. 

Your actions constitute a clear violation of the EFTA, which mandates that unauthorized electronic fund transfers be refunded promptly. Under 12 C.F.R. 1005.11, financial institutions and entities engaged in electronic fund transfers must investigate and resolve disputes involving unauthorized transactions within 10 business days. Additionally, the FCBA requires businesses to address disputed transactions promptly, acknowledging disputes within 30 days and resolving them within two billing cycles ( not exceeding 90 days ). Your failure to comply with these legal obligations demonstrates gross negligence and fraudulent behavior. 

Furthermore, the unauthorized nature of this withdrawal amounts to theft under applicable federal and state laws. Your deliberate refusal to engage in resolving this matter exacerbates the harm caused, both financially and emotionally. 

I demand an immediate refund of the stolen funds, along with a written acknowledgment of your responsibility for this unauthorized transaction, within XXXX business days** of receipt of this letter. Failure to comply will leave me no choice but to : XXXX. File complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) and other regulatory bodies overseeing financial and legal services. 
XXXX. Initiate legal proceedings for fraud, theft, and violation of federal consumer protection laws, including the EFTA and FCBA.

3. Report your conduct to law enforcement agencies for further investigation.

Your refusal to act promptly will also expose you to additional legal claims, including emotional distress, negligence, and deceptive practices. Your company 's inaction is indefensible and demonstrates a blatant disregard for consumer rights.

This letter serves as your final notice. You must address this matter immediately by refunding my money and providing proof of resolution. I will not hesitate to escalate this further should you fail to act in good faith. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This issue is with cash app ... I gave a lady a ride to work last Friday and I had my phone in my truck which i wasn't using because I bought a new phone that day and ported my number to the new phone..the young lady I gave the ride named XXXX XXXX XXXX who's currently in jail for this stole my phone and cashed app herself {$250.00} I immediately reply to her thru cash app several times to send back my money she stole after threatening her with the police she sent back {$99.00} of my own money and disconnected her number she called me on to ask for the ride ... I called the XXXX XXXX police and reported and pressed charges ... cash says after reviewing what I said n what they can obviously see on cash app records they say I authorized to be robbed and money stolen and refuses to refund my money back... cash app supports fraud and pretty much there attitude is better luck next time ok r be more careful ... they say money is FDIC insured but I'm a victim and now a slap in the face from.cash app..I want my money back cash app needs to be investigated I just want my money back there's a police report only person that doesn't believe this is fraud is cash app bevause they support fraud ... my cash tag is $ XXXX please help thanks
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I contacted Experian credit agency regarding 4 fraudulent accounts that appeared on my credit report. I open an investigation and upload a copy of the FTC report, police report, and proof of identity. Within a week I was notified by Experian that these accounts were verified and remain on my credit report. My complaint todays are to report Experian for not completing a full investigation. These accounts were open without my consent and did not authorize these requests. Due to be taking pride in my credit I sent XXXX money. I'm requesting that these accounts be deleted from my credit report as soon as possible and update my credit report. XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

I am sending a formal complaint regarding the unauthorized inquiries listed below, which are currently reporting on my credit report in violation of federal law. Despite prior correspondence and my explicit request, the TransUnion and Experian Credit Bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) by neglecting to remove these inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

First, off the company claims they did not receive a completed loan package, lied about not having a sale date. Spoke CSR, said no sale just complete the package by the XXXX, it was completed and emailed and faxed, on the XXXX..They were just buying time to exhaust all options to save home because the door was tagged the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are incorrectly reporting me as an Authorized User on the XXXX XXXX - account number XXXX. ( Please see page 6 of my credit report attached. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the ( 3 ) bureaus to fix this issue but I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit card

My business is in the process of buying a property and need to get this rectified asap because its affecting my personal credit. We are a very successful business so I can pay it worst case, but Im prideful to pay for someone elses fraudulent transactions. 

I had fraudulent charges on my business card noticed when we were doing our P/L statement. It is clear as day these charges were outside of our typical scope of purchase. The business cards were very rarely used for anything outside of purchases that were made online or via internet application. As soon as these charges were recognized it was immediately called into the Chase bank and they were reversed. However, on the original call a few of the smaller charges were missed. This was simply focusing on amending the initial discrepancies noticed ( of course that being the larger transactions ). The mindset was as long as the bigger issues were taken care of we were willing to take the loss on the smaller ones, not realizing this would have cause any issues. Chase Bank then caught this randomly and rebilled everything because we didnt claim the smaller transactions initially. They requested we do a police report, so we did. 

We reached out to Chase bank ( spent a total of probably 48 hours on the phone with the bank at this point ) and they opened an investigation. We contacted all the merchants directly and none of them worked with us. Apparently one of the merchants ( a strip club ) the fraud took place told the bank that they ID before letting people use the card. We contacted the merchant and they provided no copy of an ID or anything. They clearly lied to the bank to keep the money. 

Now Chase bank is refusing to refund these charges ( totaling almost $ XXXX ). The banks response after submitting a requested breakdown of every transaction and police report was that we needed additional documentation. I asked what documentation could I could I possibly come up with as I have submitted every document possible and done everything possible. 

I had an XXXX credit score before this and is now hurting my credit significantly