23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Loan originator gave contradictory information, which in effect caused the loan to be denied. I am in the process of buying a house in a different city. I was told that having a job in my current city would not suffice, and that I would need to be employed where the home was located. I was told that documentation showing a transfer with my current job, or an offer letter from a new job in the city where the house was located would be acceptable. I received an offer of employment in the new city and provided the documentation showing my start date ( 3 days after the date of closing ), and my expected salary XXXX an increase from my current salary ). Capital One waited over one week from the time the offer letter was submitted to them, in order to notify me that they would need a paystub from my new place of employment before closing on the loan ( this was over 3 weeks from the time of the application ; and more than one month from the initial contact with the bank ). They did not want any other means of verification. I knew from speaking with other lenders that changing jobs would be an issue, and so I SPECIFICALLY ASKED the loan originator what the bank 's process was. He failed to mention that a paystub was required when the question was SPECIFICALLY ASKED upon applying for the loan. Had they even given the slightest indication, the faintest hint, that this would be an issue, I would have started the new job prior to close and been able to provide this documentation. Due to their lack of guidance I was not aware of this requirement, and because to the company 's pay schedule, will not receive my first paycheck until 3 weeks after the scheduled closing date.. Now I have to find somewhere to live in the new city so that I can start this job, I will probably lose the house if it is put back on the market, I am out all of the money I paid for credit checks and appraisals, and I have wasted one month in finding a new home.
Product: Debt collection

After reviewing my credit report on XXXX I Identified a discrepancy with account listed under XXXX XXXX ( XXXX ) and validation was requested as this was an account I did not recognize. I reviewed my credit report again on XXXXand the account continue to reflect on my credit report I have not received any correspondence from creditor to validate this as correctly belonging to me. Nor has my credit report been updated to reflect that the account is disputed and there for a second validation letter was sent out on this day. after reviewing my credit again there have been no updates, and the account is still reflecting. I do not believe the account belongs to me. nor do I believe that the creditor has authorization to access the account. nor authorization to attempt to collect on the account from all three credit bureaus. I was trying to buy a house I realized I have damages on my report according to the 15 U.S.C 1681 Law, there should not be any damages on my report. Its a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted XXXX  XXXX about negative reporting on my credit report and received the following letter. The letter contains not only inaccurate information, out right fabrications and impossible and unexplainable excuses. First of all XXXX  XXXX claims they denied my application for a repayment plan on XX/XX/XXXX because I was already on a deferment until XX/XX/XXXX and that it wasn't signed by my spouse. One I was not married and had no spouse, secondly why not just wait and process my application at a later time. Second XXXX XXXX claims that they sent me a denial letter and on XX/XX/XXXX received mail back from the Post Office claiming that my address was invalid. I have lived at my current address since XX/XX/XXXX and have never moved. After contacting the postal service I was informed that they have no record of my address ever being invalid. Also the loans that were reported as being reported negatively now were loans 19 through 32, yet my loans 1 through 18 were just fine and my address was working well for all mail dealing with them, how is this possible? Third XXXX  XXXX then claims that they found a valid address for me listed as XXXX XXXX XXXX XXXX OK. I have never lived in OK in my life. As soon as a letter was sent to this address in OK, XXXX XXXX received a letter back stating that that was not my address. Fourth XXXX XXXX then claims that they contacted me by email and it was also returned as being invalid, my email address XXXX has not changed and any other email that was used I have no information about. XXXX XXXX also claims they called my phone number and lfet messages, I never received one single phone call. I have had student loans with the federal government since XX/XX/XXXX and have never missed a payment and was making current payments when these supposed loans 19 through 32 were going unpaid. I am extremely upset about all of this and I want the negative credit reporting from XXXX  XXXX to be removed. If this is not done I am going to take legal action under the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I filed a dispute with Citibank regarding a charge for {$5700.00} to XXXX XXXX XXXX XXXX in Kentucky. The business installed the upholstery on a classic car. The job was so badly done that within three months the headliner came down, the seams were coming apart, the rubber seals were coming unglued. I informed Citibank that I was disputing the charge in XX/XX/2020. The bank removed the charge from my account while they were investigating. In early XXXX, the bank resolved the issue without informing me of their decision. I called them and sent documents and receipts and photos to support my dispute. I sent them emails and etc which they did not respond to except to call me on the phone that my balance was past due. The bank has also put the disputed amount plus interest and late payment penalty to my account. This was done without resolving the issue at hand. I kept calling the Dispute Department and each time, the phone goes dead. No one answered my call. However, I received another message by email saying that the dispute is still open and so, I replied insisting that they remove the charge from my account along with the interest and late payment penalty. 

In the meantime, I photocopied photos of the shoddy work and the messages that the business and I have exchanged from the time my complaint against their workmanship to the present and sent these documents and photos and receipts by mail to the bank. I am hoping that they have received these documents since they have not obviously read or even viewed the photos that are so evident of the work that was performed on the car. 

I am still waiting. I am attaching copies of emails that the dispute department and I have exchanged in relation to this dispute.
Product: Mortgage

This is a ( QWR ) QUALIFIED WRITTEN REQUEST : XX/XX/2018 Please provide all documents for this loan to include payment history made by borrower and all payments to others made by loan servicer on borrowers behalf Please provide all documents and statements for all three modifications mentioned, to include all settlement activities as provided by RESPA, and any cost as provided by RESPA Please provide all fees and charges paid to others on borrowers behalf and to whom the fees were paid and why to include a breakdown of those fees, check copies front and back, who requested such payments with copies of request and who authorized same.
Product: Debt collection

I have been disputing a medical debt collection notice from " XXXX '' since XX/XX/2017. I received a notice from XXXX XXXX that they had disclosed an account from XXXX XXXX  XXXX for {$420.00} up for collection, opened on XX/XX/2017 on my XXXX report. I have never received a call or a letter from them saying that I owe this amount at any point in time, and disputed the error several times via XXXX using XXXX XXXX. 

I also received the exact same amount from a separate debt collector, " XXXX XXXX XXXX XXXX '' that I sent in a separate claim about for XXXX XXXX XXXXXXXX XXXX. They have closed that account. I still have not received any mail or calls referring to this matter from XXXXXXXX XXXX XXXXXXXX or the XXXX XXXXXXXX, and therefore can not be sure of its validity or that it is even my debt in the first place.
Product: Mortgage

Our mortgage loan is part of a XX/XX/XXXX bankruptcy filing but we have been making the required monthly payments on time, however, we have not been receiving any monthly statements from Specialized Loan Services. We received a phone call XX/XX/XXXX advising that our loan was past due. During a phone call with SLS CS dept., it was determined that our XX/XX/XXXX escrow payment was erroneously applied to principal only. Same with our XX/XX/XXXX monthly payment. This resuled in our loan reflecting as past due and late payment fees being incurred. We made request in writing to have these payments reversed and reapplied but SLS advised they can not do so after 90 days. 
I received a letter date XX/XX/XXXX from SLS stating that the information I received via my phone call in XX/XX/XXXX was incorrect and the payments were not mis-applied. This letter also advised us of the monthly payment amount due, the escrow balance due, and the late fee showing due on the account. I called SLS and they verbally confirmed that if those payments were made, the loan would be current. 
Those payments were made, plus an additional payment for a fee that showed on our XX/XX/XXXX statement but we just received our XX/XX/XXXX statement and there is still an amount showing in " past unpaid amounts '' and it is larger than last month.
Product: Debt collection

I was repeatedly harassed by Discover Card. They called me day and night, every day of the week and even holidays. They called my inlaws and family members and threatened to take me to court. I really want to complain about them and also XXXX XXXX XXXX ran by XXXX XXXX. I had sought them out to settle my credit card debts and instead they took all of my money and never settled my debt. Discover card people were incredibly cruel and harassing in the process. I did not answer phone calls of theirs, because I was advised by XXXX XXXX and his team not to. I blame them for my turmoil.
Product: Checking or savings account

For three years chase bank has failed to inform myself of claims and notifications of my checking accounts. Ive made several attempts through all of chases communications to resolve or have fixed including months of speaking to their executive claims officer XXXX. 
Chase has closed my accounts and I checked in periodically to let them know of what is happening within my accounts and asked to have them frozen to have them researched. They denied that request. In XXXX of XXXX they finally sent all notices of the claims filed and they were all closed. I asked for the codes used for XXXX. I was refused. I like to take this matter to court if possible. Three years is enough especially since everything Ive reported was a federal lawsuit in XXXX. Chase cost me time and money and mental anguish throughout the pandemic with these accounts. Theres several months of recorded phone calls to chase about them not sending Notification through mail and their online banking and their app.
Product: Debt collection

I have asked several times for my mothers number to be removed, and I have given my new number : they repeatedly call my mother who is not on the loan. The phone number was never given to them they obtained the number from caller id. My work hours do not work with their operating hours, and they say you can text but refuse to utilize the text service or email. 

I have asked more than 3 times to remove my mothers number, once in person and twice over the phone and now twice through text. they call my mother every single day at least 3 times a day. 

This is harassment.
Product: Debt collection

XXXX XXXX XXXX group has been sending automated phone calls. I finally called back one time and it was answered by someone that posed as rep for the company. They transferred me and never mentioned the company until I asked them. They said I was going to civil court over a " debt '' I had with Fifth Third Bank, which is impossible because I closed banking account I had with them over 10-20 years ago. They first asked me to confirm if my last 4 digits of my SS # was. I told them I never received anything in writing about this " debt '' and said they've been mailing letters to outdated address. They asked for the new address and I was XXXX them while I was on the call because I was getting a ton of red flags. They knew my ss # and read it back to me in full without me prompting them. I ended up hanging up on them. They are definitely scammers.
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. U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # 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 or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX - {$670.00} ( XXXX & XXXX ) XXXX XXXX XXXX - {$0.00} ( XXXX XXXX XXXX - XXXX - {$330.00} ( XXXX ) XXXX  XXXX XXXX - XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX - XXXX - {$530.00} ( XXXX ) XXXXXXXX XXXX XXXX - XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX
Product: Debt collection

I recently received a copy of my credit report. I noticed several collections accounts reported by First Federal Credit Control for alleged medical debt. I wrote a letter to this collection agency onXX/XX/XXXX and sent it to them certified mail. In my letter, I requested validation of the alleged debt and HIPAA authorization. I advised them I did not recall giving my permission for XXXX XXXX XXXX XXXX XXXX to release my medical information to a 3rd party. I requested a breakdown of fees including any collection costs and medical charges. I also requested a copy of my signature with the provider of service to release my medical information to them. Lastly I requested that all reporting to any credit bureau cease until the alleged debt was validated by myself. I did not receive any paperwork showing my signature or authorization to release my personal medical information. I received copies of specific diagnosis codes with personal medical information, service dates and charges. I have also filed a complaint with the Office for Civil Rights due to my strong belief that my health information privacy acts was violated.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX with XXXX business account was active and the screen was busted and my account was hacked using my XXXXXXXX XXXX number on number XXXX with my email XXXX. So I decided to look at the hacked data breach with XXXX XXXX XXXX. I used my account to investigate the number was stolen from XXXX XXXX using my XXXX XXXX. account. I went to report the identity theft to XXXX and the account was compromised using my log in. Added on to it and the phone was not reported as a required data breach on my credit report. I sent in a claim and was asked to mail in the rest of the report with my consent to open the account on my report. Because the profile was not attaining records of use by my support by my local account activity. So I addressed the issue with a identity theft merchant account advisor support group. I asked to log in my XXXX dispute with the identity theft crisis on my phone not reporting to my credit bureau. So it took years of investigation to complete the report. By the time I contacted the identity theft prevention team for XXXX the account was hacked so asked to mail in the report. So the dispute claim officer can get a compromised account affidavit for my business account.
Product: Debt collection

On XX/XX/XXXX I filed a complaint XXXX against XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX for an old medical debt from XXXX. The response was nothing further could be done. XXXX failed to mentioned the sale of the old XX/XX/XXXX debt to Commonwealth Financial Systems XX/XX/XXXX. It is now appearing as a current debt. XXXX did the same thing with another debt in XXXX, in which they sold this debt to XXXX XXXX XXXX. XXXX closed the account when I filed a claim with you. 
The above debt is the same story as past debts. Once a debt is XXXX years old in New Jersey, it's to be removed from my credit report. 
This is another attempt at collecting on a bill that several line items couldn't be accounted for. All negotiations stopped at that point. 
Commonwealth must close this account and remove it from my credit report. Thank you.
Product: Credit card

Received notifications of hard credit pull on XX/XX/year> at XXXX pct. Received emails from Capital One about approval for a savorone credit card at XXXX along with additional emails about phone number change and paperless confirmation from Capital One around the same time. I never had a Capital One account before so immediately knew my information was compromised. The emails indicated the credit card was approved for a {$1000.00} limit. I confirmed via XXXX that I indeed received a hard credit pull the same day. I called Capital One around XXXX XX/XX/year> to get more information and was told that there was indeed a credit card approval that matched. They asked for my personal information to submit a fraud claim and I was told that I would receive a response in 60-90 days. I also made accounts on the 3 credit bureaus XXXX, XXXX, and XXXX in order to freeze my credit reports, freezing happened on XX/XX/year> around XXXX. I also called my main bank XXXX to inform them of what happened and they told me that the steps I took were appropriate.
Product: Money transfer, virtual currency, or money service

Ive been with cashapp for many years and starting XXXX I put my taxes on cash app and it hasnt been right every since, I used to speak highly of this app until stuff started happening like the card is locked but money get missing, people using my account for XXXX I didnt even know about also when you order a new card but the old card is linked, people can still take money off of it on my cash app support you can literally see how many times I had to click my problem hasnt been solved and nothing gets done, I been stopped reaching out to cashapp support because its no point its literally a computer your talking to instead of a real customer service representative
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the credit Reporting act XXXX Account XXXXXXXX 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.
Product: Checking or savings account

Money was stolen from our bank account and the bank is refusing to refund it. We were trying to get a refund for a purchase from XXXX ( which ended up being a fraudulent site ) and instead of issuing a refund they took {$4400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Equifaxs end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX