23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased architectural plans through XXXX., using my XXXX and Chase Visa cards. The owner of the site, XXXX XXXX, wrote in an email that the plans for the home would be complete and would provide me with everything necessary to build my home. 

The first problem is that we purchased what we believed were " architectural plans '', given this website said that they had home plans provided by several " architects ''. When the plans arrived, it showed the name " XXXX XXXX '' on them. We therefore assumed that our plans were what we paid for, which is plans provided by an actual architect, which is someone that is required to be licensed in the field of architectural services. But the owner of the company, XXXX XXXX, turned out to not be licensed at all. XXXX XXXX therefore committed a crime by portraying himself as an XXXX, and his company as an XXXX XXXX, while neither are licensed in the field of architecture. The owner of the website, XXXX XXXX, thereby facilitated that act of a crime by allowing XXXX XXXX to defraud the me by allowing those plans to be sold under the guise of " XXXX '', while XXXX XXXX was not licensed as an XXXX. 

Additionally, the plans I received which were not provided by a licensed XXXX, also did not provide me with most of what is required to build a house, such as foundation details, footer details, cross sections of the walls, XXXX XXXX ( materials to be used, like XXXX or XXXX 's ), insulation details, and MANY other required details. Basically, what I got from XXXX was nothing more than a XXXX and XXXX floor, floorplan. This is FAR from being detailed enough to build an entire house. I was told by XXXX XXXX I would receive " complete plans with everything necessary to build a house. ". Well, based on talking with my builder, our building supply companies, XXXX XXXX I need our building permit approved by, and other engineers and architects... the plans I got are missing " MOST OF WHAT YOU NEED TO BUILD '' our house! Therefore, not only was I defrauded and had a crime committed against me, I was also lied to and did NOT receive the service I paid for. 

Lastly, 2 weeks ago a manager from Chase, on a recorded call, told me that they denied my dispute because XXXX weighed in and denied it. I spoke with XXXX on the phone today and they said they never determine dispute outcomes, that it is up to the back ( Chase ).
Product: Debt collection

This issues is in regards to XXXX XXXX XXXX XXXX XXXX   and XXXX, information provided on their customer portals, and information given by service representatives over the phone. I believe the company is providing misleading information and does not have consumer 's best interest in mind. 

I have been paying off my student loans for the past 2 years. I have never missed a payment and decided I wanted to be slightly more aggressive with paying off my loans. For this reason, on XX/XX/2019, I made and additional {$500.00} payment outside of my scheduled monthly payments. My goal was to pay off my loan with the highest interest rate. 

Great Lakes does have an option to specify which loan your extra payment will be applied. However, they also have statement on their webpage saying " Once your scheduled monthly payment and all outstanding interest has been paid, we automatically apply any excess payment amounts to the loan with the highest interest rate, thus costing you less interest over time. '' This statement is telling you what will happen if you do not select a specific loan for the excess payment to be applied. 

A few days later, I logged-on to my online portal to ensure the {$500.00} was applied to my loan with the highest interest rate only to find that the excess payment had been distributed across all of my loans. I have 4 loans serviced by Great Lakes with amounts varying from {$2000.00} to over {$30000.00} ( perks of XXXX XXXX ) with interest rates varying from 3.15 % to 6.55 %. 

I called to inquire. I thought it might have to do with the timing of the extra payment in relation to the monthly scheduled payment. 

The customer representative who spoke with me informed me that 1 ) excess payments are not automatically applied to the loan with the highest interest rate but rather my excess payment had been distributed in my " best interest '' with a high percentage going towards loans with higher balances and 2 ) I needed to specify if I wanted the excess payment applied to a certain loan. 

The information shared over the phone and what is happening in practice goes directly against information provided on the website. More alarming was the pressure from the service representative to pay-off higher balance loans rather than higher interest rate loans.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : US DEPT ED XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau is reporting inaccurate information on ENHANCED RECOVERY COMPAN. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : ENHANCED RECOVERY COMPAN XXXX Balance {$600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported inaccurate and inconsistent information on my credit report as well as failed to send me an account statement in proper time. 

This Creditor has sent different information to each of the major Credit bureaus about my account. 

They have reported my term as 0 months with XXXX with 2 bureaus but they've reported it as 48 months with XXXX and XXXX. 

The account open date is inaccurate across bureaus. 

The Account Balance is inconsistent it reports as {$11000.00} in some places ( XXXX XXXX XXXX ) and reports as {$11000.00} to experian. 

They are reporting to the account at different dates to each bureaus. 
They report the dates of my last statement differently to each bureaus. 

They're reporting me 30 days late in XXXX of 2021 however this inaccuracy of their reporting, isnt fair for me to know when to pay and when Im late
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Transunion, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account ( s ) : XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Bank account or service

Today, XXXX/XXXX/2017, I attempted to cash a check from my son-in-law made out to his mother, my wife at Bank of America, XXXX branch, XXXX, NC. Since my wife is not only XXXX but recently XXXX, she is rather XXXX. However, I have cashed 7-8 checks from him to us at the same location. I place our identification - Id/drivers license, both bank cards from the XXXX banks we do use, not Bank of America. They use the " California security screens '' which consist of 1 '' of bullet proof glass and a 3 '' opening to place your identification. I had placed her ID on the left side and my ID 's on the right side of the half-round tray. The Financial Center Operations Manager, XXXX, was starting to give her OK by initialing the check for cashing. As she stopped and reached for my ID, I reached over to push it up for her to reach. My ID and XXXX bank card fell down on the counter. I said excuse me. She suddenly stopped and said " NO ''. I asked her what was wrong as she replied, " I am not going to authorize it because you threw those cards at me! '' Remember this is the bank my step-son had written the check on and I have cashed his checks to us there several times before. XXXX started walking away and I called out and asked for her name. She said she was getting me a business card, which she did produce. 
I believe other people, potential customers and Bank of America officers should be aware of this women 's attitude and refusal to cash one of there own checks. I plan to make everyone I can aware of the XXXX service or bad attitude I encountered this morning. 
Being XXXX, I was XXXX, I am used to people being rude to me but I did not give this lady any reason to prejudge me and fly off the handle so quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/ExperianXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : EXPERIAN : XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX Dovenmuehele Mortgage Inc. refused to pay our county taxes by the due date of XXXX XXXX, 2016. They refuse to have anyone from their tax department take our phone call. They refuse to tell us when payment will be made and why its being paid late. We have called and sent in the bill yet they refused to pay it by the due date. They stated in an email they had till XXXX XXXX. The County Treasurer even emailed them stating this is not true. We called again today and all of a sudden they do n't have the paperwork that allows my wife to handle the mortgage. I had to verify over a three way call and give approval for them to speak with my wife. She spoke with XXXX employee ID XXXX. He would not make any phone calls or find out why the taxes were not paid. He repeated numerous times that there is usually a 40-45 grace period to pay the tax bill past its due date. My wife repeated that this is not the case in our county. He refused to put his boss on the line. He refused to get the payment sent over night mail. He refused to send a message to the tax department so this does n't happen again next year. When asked to speak to his boss we were told we could leave a voicemail for his boss XXXX. He refused to provide her employee number or last name. The voicemail box was a generic one that did not state you had reached XXXX. As we are forced to have our taxes escrowed we are left with the Mortgage company making late payments. As we pay our mortgage payment early every month we expect the Mortgage company to pay our taxes by the due date. This should not be an issue.
Product: Credit card or prepaid card

Received an email from Bank of America to verify my email address, followed by second email to notify me that I had been approved for a credit card. I forwarded those emails to XXXX Received a third email this morning showing I had verified my email, although I had not. I forwarded that email as well and then notified the fraud dept. They stated that they had cancelled this card and there were no charges associated with it.
Product: Credit card or prepaid card

Capital one closed my credit card due to a returned payment for {$30.00} from a banking error where they tried to process a transaction I asked them not to on auto pay. They caused the payment to return and then closed my account when I have always paid it on time. 

I had even sent an additional {$100.00} payment the same day that cleared and went through. I desperately needed to use that money and capital one didn't care about my misfortune. I told them either unlock my credit card after verifying the return payment was just a simple mistake, or it they're gon na close it to refund that {$100.00} I just submitted. I did not sent {$100.00} for them to just close my account and then take that anyways and do nothing for me. 

This needs to be made right. They also lied to me telling me I was over my credit limit when that's not true. I called during this emergency and was granted a {$250.00} credit line increase. They then later claim that I'm over the limit and that nobody authorized any {$250.00} increase when clearly they did because I used it and there were charges reflected on the statement and online accounts. I really don't appreciate the lies or how I was treated by capital one at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE 27 INQUIRIES ON MY XXXX AND TRANSUNION REPORT THAT I DO NOT RECONGNIZE. I HAVE CALLED XXXX AND TRANSUNION SEVERAL TIMES AND THEY REFUSE TO DISPUTE THEM. I HAVE ATTEPTED TO GET A POLICE REPORT BUT THE POLICE WILL NOT MAKE A REPORT BECAUSE THERE WERE NO ACCOUNTS OPEN ED AND MISUSED. I HAVE CONTACTED THE CREDITOR THAT RAN THE CREDIT NO REPLIES.
Product: Vehicle loan or lease

On XXXX XXXX XXXX, I paid off a loan with Truist bank. On XXXX, I have applied for a HELOC with a different bank. I need evidence of the payoff to qualify for the new HELOC ( debt to income ratio ). Truist has not provided evidence of the payoff. They have locked me out of the online account once the loan was paid so I am unable to pull the evidence myself. I called and they could offer a payoff statement after 7 day processing time and the time to send through the mail. They are holding up my ability to pull much needed funds from a HELOC. I escalated to several individuals - supervisor " XXXX '' and manager " XXXX. '' It is unreasonable that I do not have evidence of a XXXX balance loan account after 30 days.
Product: Debt collection

I received notification that this law firm ( Pressler Felt & Wars Haw LLP ) somehow obtained a judgement against me ; without my consent ( proof of service ). I reached out to the Superior Court of NJ in reference to this judgment # ( XXXX, Case Number : ( XXXX  XXXX XXXX, docketed XXXX, I believe this is way past the ( statute of limitations ). Can this law firm be investigated to make sure they aren't illegally attempting to collecting on debts that past the statute of limitation? This debt is over 10 years old. More importantly I don't ever recall receiving proper notice ( proof of service ) for this so-called debt. Also, I have no idea who XXXX XXXX is. I spoke with an attorney who mentioned perhaps filing a motion to vacate, since there is not proof of service. We want to make sure the law was properly followed in order to obtain this judgement. I know that ( proof of service ) is required with the court. I have also reached out to the court to see if they have my signature on file for proof of service of this ( so called debt.
Product: Money transfer, virtual currency, or money service

I placed an order for 50-inch hair/wig/bundles in the amount of {$3100.00} from XXXX XXXX XXXX of XXXX XXXX XXXX XX/XX/XXXX XXXX The business told me to wire the money and I was immediately informed that he did not have the hair available. He told me that I would have to take him to court in order to get my money back. He refused to provide me with his address so the Sherriff could properly serve him. I had to hire a private investigator to obtain his address. The private investigator informed me that he was evicted from his residence. I had to spend another {$2300.00} on legal, court fees, and private investigator fees and we have been unable to track him down. He blocked me on XXXX, and he is currently on the run. He called me recently and stated that he does not have my money and neither does he have the hair business anymore. He said my order was held up in customs and that was not his fault. He also said there is a no return policy. This guy is a FRAUD and a SCAM artist. Please help me get my money back by reversing the XXXX XXXX. 

Please see what I have done to try and recoup my funds back On XX/XX/XXXX I asked for a refund and he refused On XX/XX/XXXX I filed a police report with the local authorities On XX/XX/XXXX I filled a claim with CHASE bank to reverse the transaction and they informed me that I would have to contact XXXX On XX/XX/XXXX I tried to reach out to XXXX but there is not live contact to dispute the matter On XX/XX/XXXX I filed a compaint with the internet crime compliance center On XX/XX/XXXX I fired a private investigator to obtain his residence, but he was evicted On XX/XX/XXXX I filed a court case, but can not pursue the case without his address and without being properly served https : XXXX? XXXX On XX/XX/XXXX He called me and stated the does not have my money and that my product was held up in customs and it was not his fault. He refuses to refund my money. 

I am scammed out of over {$5300.00} as a result of this matter. I am tired and exhaused and I need intervention. My bank, police department, goverment agencys, and county court have not been able to assist me. I desperately need help in this matter. I am seeking justice and need immediate assistance. Please help Please find the details below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Residence evicted from ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( possible current address XXXX XXXX XXXX, Florida XXXX XXXX XXXX, Florida Business Number XXXX cell Website https : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXXXXXX XXXX Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

Please send me the results to the address listed above.
Product: Credit reporting or other personal consumer reports

I applied for a chase credit card and was denied due to them believing the application was fraud. After calling them everyday for about 3 weeks they approved me for the credit card but then I received a second hit on my credit and was told the first one would be removed as it has been labeled as fraud. Now I am being told it wont be removed and I now have 2 hits on my credit report even though I only applied 1 time.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts belong to someone else.
Product: Debt collection

I was approved for XXXX, XXXX Hospital was notified of approval but failed to submit bill. The mailing address that was on file for me was incorrect therefore I never received bill. I assumed all was paid by XXXX. My credit report was ordered with hopes on becoming a homeowner is how I found medical bill in collection. I contacted collect agency and XXXX Hospital. The collection agency stated amount not paid, I contacted hospital and was told XXXX paid full amount.
Product: Debt collection

years ago they took all the money out of our account they after us with very harsh phone calls and we paired {$200.00} a month we agreed on an amount, after a few payments and I ask for their information proof of payments on their part they stop charging us. trough a judge order they took all the money we had in our account. We believed this problem was fixed. We bought a house and ask my lender to find this in my credit report and we did not find nothing. 
now after a few years ( 5 ) they are coming after us with a bill bigger than before. 
this bring a lot of stress into my family we need help. 
name of company .-Creditor specialty service inc XXXX XXXX XXXX XXXX XXXX ca . XXXX
Product: Debt collection

I recently this past year have been randomly getting mail from this creditor with pat off options in which I do NOT owe.