23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

A home was built on the wrong property/lot. I have notified the mortgage company many times but it seems like I'm being ignored. 

I have already sold the property that the mortgage company thinks the home is on, but as mentioned above it is not on the property as mentioned above. 

Address : XXXX XXXX XXXX, XXXX, Hawaii Auctioned on XXXX for {$7000.00} to XXXX XXXX
Product: Credit card or prepaid card

I had an alert about an ACH that was debited for {$49.00} forHud foreclosed. then XX/XX/2020 got another alert about another ACH. this was on XX/XX/2020, from some XXXX  that I never saw or knew about and put in an Unauthorized claim as this was at XXXX XXXX  at a time I am sleeping around XXXX XXXX. for {$79.00} for something that I don't know what this item is and never would buy online. I only use my CHIME for all local bill paying and shopping, and would never give out my Direct Deposit account information to. I only receive {$630.00} social security funds to this card and as I understand that anyone who tampers with Federal income funds can be prosecuted. I did not order anything from some XXXX  in Washington State or even California, and never will. I block all numbers from the western States as they are all criminal cartels there. I just want my money back as it has set my Mortgage back because of the overdraft it caused. Chime is responsible for any suspicious activity that is being sent to my accounts. I had cancelled the card and got a new card but have taken my direct deposit out of Chime and will close all business with Chime when I receive my UNAUTHORIZED ACH back from XXXX  which can't find any phone or customer service for. XXXX  is not found in XXXX and the phone number that the XXXX XXXX  gave me when I click on the number 2 option to talk to a representative, the phone hangs up and you can't talk to any live person and can't even verify who these people are. I did not ever order any service or item from them as I can't even find a number or address for them.
Product: Vehicle loan or lease

On XX/XX/2020 I went to purchase a truck at XXXX XXXX XXXX. I went with another person my. We answered their questionnaire to qualify for financing. They said we qualify as a joint purchase. We did paperwork for truck purchase including attaining Gap insurance. We completed the transaction and left the dealership. a couple of miles away, a van crashed into the truck and totaled it. It was determined the other drivers fault right away.. We immediately notified their insurance, Gap insurance company, dealership, and our attorney. We diligently followed all instructions from all of the places and proceeded to wait for all the processes to occur. The amount owed for the total-loss truck was XXXX.The insurance, XXXX XXXX, issued a check for XXXX on XX/XX/2020. The service and maintenance warranties refund check was issued on XX/XX/2020. Service refund was XXXX. Maintenance refund was XXXX. On XX/XX/XXXX, the Gap insurance company paid XXXX. These amounts add up to XXXX. Throughout the period of time following the wreck, I kept up with the status of each process. I called Santander at the end of XX/XX/2020 and was told everything was paid and went about my business. About a week later I started getting calls from the Santander number that disconnected the call after answering. On XX/XX/2020 I answered another call and the woman stated it was an attempt to collect a debt and that I owed {$980.00} and that {$220.00} was 86 days past due. I was told they had not received the payments from the warranty and service refunds and to call the dealership. I did and confirmed those payments were sent. I called the Gap company to reassure they paid their proper amount. They confirmed that. After calling back and forth between XXXX XXXX XXXX XXXX XXXX XXXX, the Gap insurance company XXXX XXXX XXXX, and Santander, several representatives from Santander were unable to tell me what the {$980.00} was for. Only told me I need to pay or else it will be reported on our credit. I pieced together several details from many phone calls to Santander on XX/XX/2020. i was told that it was standard procedure to owe money on a simple interest loan, another person stated there were late fees of {$37.00} that amounted to the balance owed, and another said there were fees of {$75.00} accumulating on the account. I have no records indicating these items. The last time I called Santander I was at a high level of frustration and concern and strongly inquired why anything was owed and what it was. Each representative only stated generic this is an attempt to collect a debt & that is what is showing due & past due. I never got any of them to explain anything. The last representative told me the only thing she can do is request an audit on the account. I said yes to that, as it was the only option I was given.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists15 U.S. Code 1681 ( s ) -2 states that any payments during XXXX are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.
Product: Money transfer, virtual currency, or money service

My linked bank account was removed without any notification. 
I have attempted to contact support to determine why this happened, and to re-link the same account to enable money transfers. 

I have had 2 phone calls and 24 email messages to support, while often getting the same canned responses to re-link my account, which is the exact problem I've having problems with. 

Case # XXXX - phone Case # XXXX - email
Product: Credit reporting, credit repair services, or other personal consumer reports

A mortgage lending company pulled my credit on XX/XX/2018. I reviewed my credit report and found several errors and several accounts that do not belong to me. On XX/XX/2018 I submitted a credit dispute to XXXX XXXX, XXXX. In the credit dispute, I described the errors with my credit report and asked the credit bureau ( Experian ) to remove the accounts from my file. On XX/XX/2018 I received a reply from Experian stating they received a certification that the information is accurate. But they have not provided me with any documentation or other evidence to support their claim.
Product: Credit reporting or other personal consumer reports

I SENT LETTERS TO THE CREDITOR IN THE FILE ATTACHED. I HAVE NOT RECEIVED ANY WRITTEN RESPONSE. INCORRECT REPORTING HAS MADE ME UNABLE TO COMPETE IN THE FINANCIAL WORLD. I HAVE SUFFERED XXXX ANGUISH AND FRUSTRATION. I HAVE NOT BEEN ABLE TO AQUIRE EQUIPMENT AND SUPPLIES THAT I NEED FOR MY PROFESSION. I BELIEVE I AM DUE {$5000.00} PER INCIDENT.
Product: Credit card or prepaid card

Signed agreement with Wyndham XXXX XXXX , XXXX ( XXXX ) on XX/XX/XXXX with Section stating You may cancel your Agreement without any penalty or obligation within ten ( 10 ) calendar days after the date you sign your Agreement or the date on which you receive the last of all documents required to be provided to you, pursuant to Section 721.07 ( 6 ) Florida Statues, whichever is later. Upon research, there is no Section 721.07 ( 6 ) of FL Statues thus entirely misleading. We did cancel sending by notarized & registered letter on XX/XX/XXXX within 10-day requirement of receiving official copy of agreement. However, Wyndham nor Wyndham Plus would not recognize ( along with Barclays & XXXX XXXX XXXX ) issued at contract signing with Wyndham XXXX. Further problems followed ( even though canceled contract, each bank started charging interest & late fees even though we were officially not members as per cancelled contract not eligible for any services nor using any. What Wyndham does is wrongly state in contract require 120 days to consider cancellation, finally issuing cancellation officially accepted. Meanwhile, Credit Cards only allow 60 days then charge interest & late fees from day one of contract. Thus, reported to credit rating agencies lowering credit score every month until settled. In fact, subsequent letters to Credit Cards by notarized & registered mail are not even acknowledged or answered! Credit Agencies were notified but answered Credit Cards indicate valid charges so do nothing! This disconnect in contract times to respond is a crooked scheme ruining credit scores for consumer as well no refund of  interest & fees paid. Wyndham finally sent letter accepting rescinding contract on XX/XX/XXXX with repayment of principal paid a week later. Meanwhile, Credit Cards continued to charge interest & fees on interest & fees overdue ( double illegal  charges ) which we finally paid off on XX/XX/XXXX. Barclays charged in XX/XX/XXXX total fees {$240.00} & total interest {$240.00} while XXXX   charged total fees {$140.00} & total interest XXXX - all illegally! While credit rating agencies will not accept our request for redress of false reduction in credit score. PS ; We have all documentation if required.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$7300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$160.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

State Collection Services sent me a notice regarding medial bills from XXXX. We informed them that XXXX was provided the wrong provider number and had to resubmit the insurance claims to insurance payer XXXX in XX/XX/2017. Instead of sending us the updated statements XXXX sent them back to State Collections Services. In XX/XX/2017 My husband contacted XXXX in regards to the update statements. XXXX mailed us all the updated statements on or about XX/XX/2017. We have been sending the final payment for the updated bills to XXXX and they have been accepting payment. Today XX/XX/2017 XXXX sent me a payment regarding a balance of XXXX. The statement provided evidence that a payment was recently made by us for XXXX, but we still received a collection notice from State Collection Services for the same amount. XXXX is allowing us to pay the balances off, but we are still receiving notices from the collection company. 

In addition XXXX has also sent these same bills to a second collection company called XXXX for Collections.
Product: Credit card

Explanation of complaint : I want to file a case of discrimination against dicover card. 
I made an application to Discover card. but was decline, the reason was " no credit record available. " how can you prove you are worthy of credit when they decline an application on first time. 
thanks a lot, mtan
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has deleted these accounts and the inquiry then they reinserted the inquiries without notifying me via mail 5 days prior to doing so. The inquiry is a fraudulent inquiry from XXXX XXXX XXXX XXXX and also my XXXX XXXX XXXX was paid and consolidated so I do n't owe navient anything, the balances should be XXXX the account was also removed from my report and now has been added back with a balance! Equifax is in violation of the FCRA law!
Product: Checking or savings account

Wells Fargo has failed to pay Civil court Number XXXX under the middle district of PA. Wells Fargo is named as a defendant.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/2023 I saw that my XXXX credit score went down XXXX points on XXXX This was due to Grain Technology Inc reporting my account as 30 days late. I have made all of the required minimum payments and I was confused on why it was reporting as late. I have tried connecting with them over the phone, but the number they have on file does not route to a representative to help you. 

I have disputed this claim with all XXXX bureaus. I noticed that Grain has updated my XXXX credit report from 30 days past due to 60 days past due even though the XXXX payment is due on XX/XX/2023. It hasn't even been a full month since the minimum payment for XXXX, so I am confused on how this payment is 30 days past due and I am unable to get in touch with anyone over the phone.
Product: Debt collection

PayPal improperly debited my account {$1400.00} in a case where I sold a canoe on XXXX. Item was clearly advertised as local pickup/no returns. Winning bidder was notified that he could pickup canoe personally, or arrange pickup/shipping in accordance with XXXX/PayPal policies. Buyer was notified in writing that my responsibility would end at time of pickup at my residence. Buyer arranged for and paid for pickup via XXXX XXXX on XX/XX/2017. Canoe was damaged in transport, and Buyer refused final delivery from his own shipper, then filed a claim against shipper and PayPal. PayPal awarded Buyer refund of {$1400.00}, then debited my account PRIOR TO hearing my dispute. PayPal user agreement states that Buyer is NOT entitled to a claim when he/she picks an item up in person OR arranges for item pickup on their behalf. XXXX agrees with my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I show a charge from XXXX on my credit report. The card shows payments being made monthly since XXXX  until I filed a complaint with XXXX, now the card shows a {$55.00} over due balance. I reached out to XXXX several times and they keep telling me the card is valid. I noticed an address in Florida on my credit report and I've never lived in Florida or do i know anyone who does. I hope you can help me with this issue. I've also filled a complaint with TransUnion and will do the same with MA Atty General if need be. 
Thank you for your time, XXXX XXXX XXXX XXXX XXXX Ct. 
XXXX, NH XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I filed a complaint with CFPB about Portfolio Recovering Associates ( PRA ) reporting three unknown accounts with credit reporting agancies. They responded revealing the original credor names and inaccurate dates of when those accounts were closed and charged of to them. 

I would like PRA to correct the records to match the original credtors, whom I contacted, with all credit bureau reporting agencies as follows : XXXX ( XXXX XXXX, account # XXXX ) PRA ( account # XXXX ) opened XX/XX/XXXX CLOSED XX/XX/XXXX PURCHASED BY PRA ON XX/XX/XXXX XXXX XXXX XXXX ( account # XXXX ) PRA ( account # XXXX ) opened XX/XX/XXXX CLOSED XX/XX/XXXX PURCHASED BY PRA ON XX/XX/XXXX XXXX XXXX XXXX ( account # XXXX ) PRA ( account # XXXX ) opened XX/XX/XXXX CLOSED XX/XX/XXXX PURCHASED BY PRA ON XX/XX/XXXX
Product: Checking or savings account

Chase Manhattan JP Morgan has decided to lend my debit card credit and charge overdraft fees as my account is in the negative by over XXXX the last two months, when I called to complain the fees where reversed, but I pointed out their is no real time banking and approval of ACH is not automatic as they noted as I tested their algorithm explanations by using XXXX XXXX for separate purchases that were approved and had overdraft fees. Over 25 % of my overdraft balance of XXXX is fees. Yet, ACH of {$5.00} is not approved or automatic preset debit through a payday loan. They do not have automated transactions for me as things posted on a credit card company take over 6 business days to post. Its hard to keep an account balanced if the algorithms change and there are no real time debit transactions to monitor the balance in real time Chase Manhattan XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in XX/XX/2016 there is a fraudulent account on my credit report for XXXX from XXXX XXXX XXXX ON my XXXX , XXXX and fico.
Product: Credit reporting or other personal consumer reports

I am writing for two ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( XXXX ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be XXXX correct the information XXXXXXXX XXXX XXXX XXXX XXXX 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX SELF-REPORTED XXXX Balance : {$440.00} ; XXXX SELF-REPORTED XXXX Balance : {$140.00} ; XXXX SELF-REPORTED XXXX Balance : {$50.00} ; UTILITY SELF-REPORTED XXXX Balance : {$490.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I am writing to file a complaint against XXXX XXXX XXXX XXXX regarding multiple overdraft fees I have incurred. 
Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns woth the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Whatever this ( Plusfour ) agency is need to be more efficient and more professional on doing somethi ng. Plusfour suppose d to check every detail on this PDF file/recipient name. As you can see Its not just  XXXX   XXXX . Its  XXXX   XXXX   XXXX  and I Do n't have   XXXX   on my name. I Do n't know who this person is and ther e may be  more people who 's having same name like mine. This is not fair Without any confirmation regarding my name and I 'm telling you again and again this is not my name or any collection belongs to me. If the plusfour did n't resolve this matter which does n't belongs to me, I will take further action against this and Its just a waste of my time and you proved yourself on your document the name is totally wrong and its not belongs to me.   XXXX  Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have any credit at all never had anything in my name not sure of what this is all about I was denied life insurance through XXXX
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 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.