23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Received approval for a mortgage loan with Quicken Loans ( Loan # XXXX ) and two days before closing my loan officer ( XXXX XXXX ) contacted me and said the loan was denied and I was not given a clear explanation. There was no communications from Quicken to suggests that my loan was not going to be approved. The only caveat Quicken asked was that I rent my existing property in order to qualify for the loan. I complied and provided Quicken with a copy of the lease agreement three weeks before closing. I was under the guise from my communications with the loan processor that the loan was approved given that Quicken had setup settlement date and was in communications with the settlement/Title company to close the loan. It was only until I received a telephone call from Quicken Loan two days before closing that they informed me that my loan was not approved. Quicken did not provide a clear response other than to question the integrity of my lease agreement. I find Quicken 's practice to be discriminatory in that I met all of their preexisting mortgage requirements to include providing them with a notarized lease agreement for my existing property which according to Quicken would qualify and approve me for the loan. That was the communications I received from my daily conversations with the loan processor. Again, it was only until 2-days before closing that they notified me that my loan had not been approved. Consequently, they had already setup a settlement date with the title company closing the loan. Both my real estate agent, title company the seller of the property I had intended to purchase were dismayed at this last minute decision. Again, my conversations with Quicken did not adequately provide an explanation other than to say my debit to income ratio did not meet their standards but this was not communicated to me throughout this loan process when started in XX/XX/XXXX. 

Secondly, Quicken initially offered me a pre-approval letter with an interest rate of 3.75 %. However, the rate increased to 4.125 % with no explanation provided. The process for this loan has been very disturbing and has left me without recourse other than to file this complaint with CFPB. 

If you require further information by email address : XXXX
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 
( XXXX ) Account # XXXX and ( SPRINGOAKCAP  ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 
The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX and ( SPRINGOAKCAP ) Account # XXXX is causing harm to my credit All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Checking or savings account

I had to return a defective item that I had purchased from XXXX which is, as you know, a gigantic company even larger than Wells Fargo Bank. 

The return TODAY was completed within a matter of minutes! 

I have had to return to other merchants other defective items. The returns always also took a matter of minutes. 

But to have the problem of inappropriate fees charged to my account by Wells Fargo Bank has taken well more than three weeks and still there is no answer! WHAT IS THAT? 
WHY? 

And, with all due respect, it is absolutely disgusting of Wells Fargo Bank! 

XXXX XXXX XXXX XXXX I too am a customer of Wells Fargo Bank and I too state their conduct is DISGUSTING! 
They have put my beloved and loving husband, soulmate, and best friend XXXX XXXX XXXX XXXX through XXXX! And still continue to do so! And we are far from being XXXX chickens and we each have XXXX XXXX XXXX about which we many times informed them! 

XXXX XXXX XXXX XXXX
Product: Credit card

I booked an XXXX ( XXXX XXXX ' ) in XXXX , arriving in the evening on XX/XX/year>. XXXX XXXX turned out to be not suitable for renting for a number of reasons ( mainly odour, cleanliness, and security ), and XXXX promptly refunded my money and suggested I rebook. This was around XXXX in downtown XXXX. 

Once out of XXXX XXXX, I attempted to book a different XXXX in XXXX ( XXXX XXXX ' ), and was provided with an automated reply containing a link to a third-party form by the host I was attempting to book with. The form link was suspect and not associated with XXXX, and requested pictures of ID and other details I was uncomfortable with. Regardless, I attempted to fill out the form for XXXX XXXX, however I received an error everytime I tried to proceed past the first step. I could not upload any pictures as required by the form, although I tried on several different networks using different browsers. I attempted to contact the host of XXXX XXXX immediately to resolve this ( now about XXXX ) but they were non-responsive. This is all documented. I contacted XXXX, who in turn attempted to reach the host but could not. We tried to do this as midnight approached, however XXXX recommended I attempt booking elsewhere, which I successfully did ( XXXX XXXX ' ). 

I was never provided check in instructions, a full address, or any means of checking into XXXX XXXX, however I was still charged a full amount. XXXX and AMEX have both simply sent along copies of XXXX 's no cancellation policies associated with XXXX XXXX, however there were never check in instructions provided to me. XXXX has since offered to provide a 20 % refund to me, however I am seeking a full refund.
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. 

Here are fraudulent inquiries on my XXXX account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Here 's for TransUnion inquiries reporting in fraud : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

The wire transfer send from my XXXX bank XXXX Wells fargo bank account on XX/XX/XXXX went through on the same day but wasnt put on receiver account. Wells fargo ask for additional information on XXXX which is not required for wire transfer under XXXX ( my address, tax id, nature of business ) but my bank didnt notified me even I called multiple times. Only when they allow me to open case on wire investigation they ask me for that additional information which was provided right away but money was still not deposited. The seller cancelled my transaction I have additional fees and expenses go with that. As today XX/XX/XXXX over 20 days after transfer was send, money is still not deposited and not returned to me. Wells Fargo not responding to my bank representative, my bank telling me to wait and there is nothing that they can do
Product: Money transfers

On XX/XX/2017 I found on XXXX good offer for high quality XXXX. I contacted the company and received much higher price, but I accepted this offer. After I received invoice on XX/XX/XXXX, I paid by wire transfer $ XXXX kilogram plus {$50.00} for shipping. However, when I received this package it weight total only XXXX grams, and inside envelope weight XXXX grams. inside are documents with information that they send XXXX grams silica powder. I complained it, and they send me email that I received what I paid. 
After that I searched on Internet and found that many people where cheated by them. 
On XX/XX/XXXX, I was in Chase bank and asked for help. The banker opened claim number : XXXX and promised me that they will act in this case and will try to reverse my money within about three days. Unfortunately, to this day did nothing in this cheat.
Product: Payday loan, title loan, or personal loan

I made my first title payment late because it was for more than I expected and I did not have the money to pay for the loan because it was an unexpected highest payment due to them slipping in a damage waiver adding {$700.00} to the {$1500.00} loan amount that I had expected. I was asked to add the damage waiver even tnough I carried full coverage insurance with XXXX. I got a phone call from them when I was one day late and they are now saying that I have to pay the commission waiver fee off with my {$1500.00} loan. The interest is 30 % and my payment jumped from {$150.00} to {$200.00}. They also want {$15.00} in late fees and {$6.00} to make the payment online or {$12.00} on the phone. Embassy Loans has has my loan for less than two months and they have lied to me, tried to take advantage of me as a single woman, and threatening to repossess my car! I am waiting on XXXX and I am in need of my car for medical appointments and at times have had to live in the car. I would like to refinance with better terms and I am grateful for your help! Please call me at ( XXXX ) XXXX with any questions. Thank you for your consideration!
Product: Credit card

I filed a claim on XX/XX/XXXX regarding multiple charges made on my Card. Navy federal then sent me a new card and refunded the charges back to me. However on XXXX just 3 days letter I get a letter stating the charges will be debited back due to them finding that no billing error occurred which is far from the truth. I have never done any business with any of these merchants in the past and if navy federal would of actually did their due diligence on this claim they would clearly see that. Furthermore I'm curious as to how it only took 3 days for them to come up with the determination doesn't seem like they investigated at all to me and I am not paying for charges that I DID NOT make. I have asked navy federal to provide proof on how they came up with their conclusion and they have refused to. Now I am being held Reliable for {$200.00} of charges I never made. I also filed a complaint back in XXXX with the XX/XX/XXXXagainst this company for the same charges and they never even responded to the complaint at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion to help me remove inquiries that I did not authorize they told me I had to get letter of deletion from the company that ran my credit which I dont know who and why if I say it was an unauthorized inquiry they should take action.. XXXX XXXX XXXX XXXX those are the three companies I asked Transunion to dispute because I know nothing about them
Product: Credit card

On XXXX, Sears came out to my home to fix the garage door that went bad. After the service guy looked at what the problem was. He advised me that the springs were damaged and needed to be replaced. Too my understanding from calling them on the phone, the cost of the springs to be replaced would be {$190.00} plus tax, plus XXXX for the service call. I left my credit card with my father to pay the bill which should have been XXXX plus tax which should have been XXXX total. Sears charged my credit card XXXX, which is a difference of XXXX. I called Sears about the invoice and to know avail did would they fix the bill. Not only would they not fix the bill, the bill does not even give a break down of what was done, which would include parts and labor explanation. They have failed to honor the price that was given to me and have clearly taken advantage of the situation by charging me a price that they do n't charge anyone else. I contacted my credit card company who is also Sears and initiated a dispute and to no avail did they fix the problem. I believe that both companies are working together to rip me off.
Product: Payday loan, title loan, or personal loan

on XX/XX/XXXX I applied for a small loan with River Valley loans they approved me for {$680.00}. Doing the process they never mention the interest rate I didn't find out about the interest rate until I log on to my account and reviewed my loan documents. The annual percentage rate is 690.15 % with XXXX payments of {$91.00}. I was going to pay the loan off within a month but it seem impossible because I was still owe them money being that most of my payments would go towards interest. I called them XX/XX/XXXX to see could they do a calculation of how much over should I pay a week to get the loan paid off quicker the company act like they didn't understand what I was saying. So I explained to them if I were to pay the {$680.00} next week how much would I still owe you all with the interest rate. They lady who I spoke to over the phone said I would still owe them {$700.00} which is ridiculous. On XX/XX/XXXX my loan went from {$680.00} to {$690.00} then on the XXXX it has went up to {$730.00}. I made another phone call XX/XX/XXXX to see if I could lower my interest rate she said they will give me a follow up on the XXXX about lowering my payments. My problem is the interest rate is to high for a small loan amount and I wouldn't get the loan payed off quicker.
Product: Credit card

I am beyond disappointed with the service I received while attempting to use my Macy ; 's credit card to play an order on Macys.com. I tried placing the order, but the website kept saying that my card was declined. I knew this must be a mistake as I have not missed any payments and have a {$0.00} balance. I called the customer service number that displayed, and was informed my card had been deactivated for not having been used in awhile. I was surprised to find that this occurred without any notice to me! She stated she could have it reactivated, and I asked her to do so. However, she came back on the line and informed me that due to a system upgrade, I could not use my credit card until this coming Tuesday. I was taken aback that such a mature company as Macys would take several days for a system upgrade! In this day and age, there should be no reason that a customer 's credit account would have to be deactivated for such a long period due to a technology update. ESPECIALLY without notice to the customer. 
However, I understand that such things are beyond my or the agent 's control, so I simply asked her to guarantee that when I place the order on Tuesday I will be granted the same sale price and 15 % off offer that I would receive today if the order were placed. She could not promise me this and said I would lose the pricing. With the current sale and promotion, I would be saving over {$600.00}! It is unacceptable that I would lose this price due to a system update and no fault of my own. 
I then asked to speak to a supervisor. I was placed on hold for 10 minutes, and ultimately the call was answered by another agent who was not a supervisor. She had to transfer me to XXXX, a supervisor with ID number XXXX, who could not help me. She kept talking over me and acting as if I were unreasonable in my simple request to have her guarantee the pricing. When she said she could not promise this, I asked to speak to someone above her. She said there is no one above her that I can talk to. She also said she can not make any notes in my file because my order is not yet placed. Again, this is absurd considering I have been a Macy 's customer and credit account holder for many years. I can not believe that not only did XXXX not have a supervisor I could speak to, but that in this day and age, Macys does not have the technology for her to notate my account. 
I would like to mention that the reason my account was XXXX was because I rarely ever shop at Macy 's anymore. The reason is that I have been displeased with the service and find XXXX to be a much better company. However, I was intrigued by the sale on the bedding items, and decided to give it another chance. It seems that this may have been a mistake.
Product: Payday loan, title loan, personal loan, or advance loan

I called to have all the old accounts removed and they wouldn't do it plus, they wanted me to pay for all of them again I want all of them off my credit report now I want all the old accounts off my XXXX credit report now!!!! 
This is totally XXXX up my credit scores!!! 
sorry for the language But, this is XXXX XXXX what you people let the credit card companies get away with!!! 
Thanks Take care
Product: Credit reporting or other personal consumer reports

XXXX failed to meet requirements of 15 usc 1681b permissible purpose I have pictures of my account saying its been locked since XXXX but some how hard inquiries from companies Ive done no business with are literally sitting on my report as Im reading the security lock message, there is a private right of action for negligent or willful noncompliance with 1681s-2 ( b ) of the FCRA. 
- in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  See attached and explain
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed accounts below are erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX / {$1200.00} / XX/XX/2022 XXXXXXXX XXXXXXXX/ {$150.00} / XX/XX/2022
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX  XXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

The company contacted my family member and discussed my debt. I have a text message from an non blood related uncle discussing my account number and balance and pay off options.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO TRANSUNION XXXX XXXX XXXX XXXX PA XXXX I HAVE SENT CERTIFIED LETTERS OVER AND OVER AGAIN ABOUT ME BEING A VICTIM OF IDENTITY THEFT AND A VICTIM OF IDENTITY FRAUD AND NO ONE SEEMS TO CARES. ALL OF MY INFORMATION IS SCATTERED AND JACKED UP AT TRANSUNION AND NEEDS TO BE FIXED ALONG WITH THE REMOVAL OF INCORRECT EMPLOYERS. AND TELEPHONE NUMBERS. I HAVE TRIED TO RECTIFY THE PROBLEM COUNTLESS TIMES OVER THE PHONE AND THRU MAIL BUT HAVE GOTTEN NO WHERE SO NOW IM HERE WITH MY COMPLAINTS.
Product: Credit reporting or other personal consumer reports

Hello, my credit report have been pulled up by these companies without my authorization nor consent and this has hurt my credit. I have contacted Experian and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Product: Credit card or prepaid card

Bank of America advertised a balance transfer credit card. I requested a balance transfer. I then called to ask them how long it would take to make the payment. They said two weeks. I expected better service than that and accepted another offer.

Their offer is a balance transfer service. I expect this type of service to include a check of the balance before there is a transaction completed. Two banks should have the authority to check each other 's account balances when offering this type of service.

This is false advertising and it is unreasonable for a bank to charge for creating a debt against a XXXX  balance.

Also, banks should be required to send paper statements ( perhaps post-card sized? ) until the first 3 payments on a new loan have been made or until the first payment has been made if they have another active account open online with the consumer..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not working I paying for it I calling theres no changes I havent seen no boost at all secondly theses collection even with my ss lock they reaching me and XXXX  online not working I have medical insurance so why all my medical expenses going away and coming back after dispute and my phone has not shown not one time on Experian I Ben paying it and XXXX XXXX I dint even knw what that is
Product: Debt collection

I asked XXXX XXXX multiple times to stop calling me as the debt it time bared and I am disabled and receiving Social Security benefits. I told the person I have {$100.00} after my bills were paid for the rest of the month and they transferred me to someone who could accept a payment. The second person I spoke with said that my number would be removed from the system and I wouldnt receive anymore calls to which I responded that should have been done the first four or five times I had requested it and that was never done.
Product: Debt collection

Investigator XXXX XXXX and XXXX XXXX of XXXX XXXX disclosed personal information to my mother, my sister and a friend regarding my debt. They also threatened it was a crime and they would send " the authorities '' to collect the debt as well as garnish my wages. They solicited payment of {$1100.00} from my mother and automatically debited another {$1600.00} from her account ; total of {$2700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX