23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, we received and signed a Closing Disclosure with a XXXX XXXX   XXXX amount of {$17000.00}. 

On XX/XX/XXXX, we received and signed a Closing Disclosure with a XXXX XXXX   XXXX amount of {$17000.00}. 

On XX/XX/XXXX, we received and signed a Close Disclosure with a XXXX XXXX   XXXX amount of {$19000.00}. 

On XX/XX/XXXX, we received and signed a Close Disclosure with a XXXX XXXX   XXXX amount of {$19000.00}. 

On XX/XX/XXXX, we received an email stating the XXXX XXXX XXXX amount was {$18000.00}. 

On XX/XX/XXXX, we received an email stating the XXXX XXXX XXXX amount was {$21000.00}. We were asked to close on XXXX. 

We purchased our home in XX/XX/XXXX. We are entitled to a title premium discount of 50 % according to the Texas XXXX : XXXX XXXX XXXX 

On XX/XX/XXXX, I requested an updated Closing Disclosure for us to sign, reflecting the new XXXX XXXX  XXXX amount quoted in the email, and also reflecting the premium discount. I received the following response on XX/XX/XXXX : " You signed a closing disclosure at the end of XXXX, that took care of the 3 day waiting period. The title company is working to balance and finalize docs and I should receive it tomorrow. The title premium discount lowered the premium for the title insurance, the lowered title insurance premium is shown on the last closing disclosure that I sent you. '' It is now XX/XX/XXXX. According to ( 1026.19 ( f ) ( 1 ) ( ii ) ( A ) ), we are supposed to receive a Closing Disclosure with the exact XXXX XXXX XXXX three business days prior to closing. 

XXXX is a Tuesday. Walking backwards : Monday, Saturday, Friday marks three business days, ergo Thursday XX/XX/XXXX is the latest we should have received the Closing Disclosure. 


On XX/XX/XXXX, I instructed SoFi to cancel the closing pending the outcome of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 2017. 

In view of the XXXX problem, I tried to use all the three ( XXXX XXXX and TransUnion ) sites to freeze my credit reports. I could not get any of them to work. 

They do not tell you what went wrong in the process but tell you to mail stuff in or call. 

Of course phone calls were not answered. 

It 's seems clear they are all making it nearly impossible for the normal person to freeze accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

After receiving response that my account/debt was verified. I sent in a XXXX  letter on XX/XX/23 to all XXXX credit reporting agencies regarding numerous account ( all will be attached to this complaint and where also attached to my dispute letters ) based on 611a ( 7 ) and 15 USC 1681g. These agencies have failed to respond and/or furnishing the requested information or documents requested or the process, who the spoke with, what documents they received, what records where checked, how the account was verified, or what was used to validate this debt with the creditor during the the reinvestigation and none of this information was sent to me via mail as requested in the MOV dispute letter.. This is a violation of the FCRA. Also this creditor is in violation os 15 USC 1581. in this case there is unlawful deformation of my credit. There is no documentation furnished with my wet signature, no original contract, or nothing from me stating I gave my permission for this to be reported on my credit report.
Product: Checking or savings account

I opened a PNC Bank checking account ( Virtual Wallet with Performance Select ) on XX/XX/2019, using an online offer on the PNC Bank website for a {$300.00} account opening bonus. The terms of the offer were to establish a direct deposit of {$5000.00} to the new account and to make at least 10 debit card purchases. 

I completed the terms of the offer in early XXXX and was assured by PNC Bank customer service representatives on multiple occasions that I had met all of the offer requirements and would be receiving the {$300.00} account opening bonus within 60 days. 

On XX/XX/2019, I called PNC Bank again because I still had not received the {$300.00} bonus. The agent assured me that I had met all the requirements and was going to escalate the matter so the bank could manually deposit the {$300.00} bonus. A PNC Bank representative from the escalation department then called me on XX/XX/2019, to say that I did not qualify for the {$300.00} bonus even though I had fulfilled all the requirements, to include direct depositing {$5000.00} to the account on several occasions. 

I am deeply concerned by the false marketing offer that enticed a customer like me to open a PNC Bank checking account for a {$300.00} bonus that the bank did not intend to pay out. These types of practices are fraudulent, need to be stopped, and ultimately harm all consumers.
Product: Debt collection

Hello, Cascade Credit Services located in XXXX WA reported to my credit report in XXXX a debt of over {$45000.00}. I contacted them and disputed the charges from a previous landlord. The landlord never went to a court of law to enforce the balance he was initially claiming and I do not owe this debt. This collection agency said the debt was valid and sent over a handwritten piece of paper with a summary of charges from my old landlord, which wasn't acceptable. I asked for every receipt, invoice, and any other supporting documents to justify {$45000.00}. 

I was in communications with XXXX from Cascade collection services and after I requested those documents I did not hear back from him. I finally received an email from my old landlord 's representative and she had told me they were modifying what I owed. My old landlord had initially filed a fraudulent bill of charges to this agency and even after my landlord and his agent modified it down 75 % this company Is still reporting the " debt '', now what remains is a past due rent balance from XXXX XXXX XXXX XXXX rent, but was left unemployed due to covid and my old landlord knew that. 

My landlord had told me in XXXX that he's sympathetic to my situation but will need to sell the home, so I moved out. My old landlord has never gone to court to recoup the balance -- because he legally can not until XX/XX/2021. I have suffered extreme hardship these 3 months due to that {$45000.00} being on my credit report. I want this collection agency to cease fraudulent collection until a court of law can rule on any balances owed. This collection agency is also charging me interest and I have signed no paperwork authorizing that. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

61 hard inquiries on my equifax credit report I have disputed with equifax and with companies who inquired neither are taking matter seriously I dispute these inquiries using there online method and it processes the dispute and closes the dispute all in same day. They arent even investigating the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  INFO SERVICES STATES THAT HARD INQUIRIES ARE A MATTER OF FACTUAL DATA, BUT DOES NOT VERIFY BY INVESTIGATION PER MY WRITTEN OR ELECTRONIC REQUEST
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was due to an error in the automatic payment system set up with XXXX. My payment was scheduled and authorized on time, but due to a glitch in the system, it was not processed until after the due date. This error was beyond my control and does not accurately reflect my payment history. 
Evidence provided : Bank statement showing the payment was initiated on time. 
Correspondence from XXXX acknowledging the issue with their payment processing system. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX.
Product: Debt collection

Debt Validation Letter XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI, XXXX Subject : Debt Validation Request for Account To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting validation of the debt you allege I owe. I do not acknowledge liability for this debt and demand strict proof thereof. Until you provide proper verification, you are required under federal law to cease all collection activities, including but not limited to reporting this debt to credit bureaus, contacting me via phone or mail, and pursuing legal action. 

As required by law, please furnish the following documentation : Validation of Debt : The original agreement bearing my signature that establishes my legal obligation to the alleged debt.

Itemized Accounting : A comprehensive breakdown of the principal, interest, fees, and other charges that comprise the balance claimed.

Creditor Identification : The name, address, and contact information of the original creditor, as well as any documentation showing the chain of assignment if this debt has been transferred or sold.

Authority to Collect : Proof that you are legally authorized to collect this debt, including a copy of any assignment or purchase agreement granting you such authority.

Judicial Actions : A copy of any judgment or court order that may pertain to this matter, if applicable. 
Failure to provide the requested documentation within 30 days will constitute a violation of my rights under the FDCPA and may result in legal action against your agency. Additionally, any continued reporting of this unverified debt to consumer reporting agencies may constitute a violation of the Fair Credit Reporting Act ( FCRA ), subjecting you to further liability.

Please be advised that I require all future correspondence regarding this matter to be conducted in writing. Any attempt to contact me via phone, electronic communication, or any means outside of written communication will be considered harassment under applicable laws. 

This letter serves as formal notice under the FDCPA. Any attempt to collect an unverified debt is a direct violation of federal law. I expect a timely response with the requested documentation or confirmation that this matter is closed. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my last payment to Carmax on XX/XX/XXXX. 
On XX/XX/XXXX, I refinanced my Loan through XXXX. A week later I called Carmax to confirm they had recieved the payoff check, They stated that they revieved the check. That is just hadnt cleared yet. The following week ... I went to co-sign for a truck for my son. I learned that they ( Carmax ) still had not cleared the check. So I called them. The same day I recieved a bill in the mail for my next payment. They stated that the check was declinded from XXXX because it was XXXX Short.Carmax never once called me to communicate this issue, even after I called to confirm they recieved the check. At this point I had already made a payment in the new loan with XXXX. In short.. XXXX had to refinance the vehicle AGAIN. Resulting in another inquiry on my report from XXXX. XXXX XXXX was apologetic. I was furious, because I did not want it reported to my credit. Carmax stated as long as they recieved the check within 10 days, they would not report it, XXXX overnighted the check, I recieved it the next day and then I overnighted it to Carmax. They recieved the check within 5 days from the conversation. I called to confirm they had received it. They in fact had, it was in processing. It was paid off by XX/XX/XXXX ( Shoulve been sooner ). Not only did they decline the check over XXXX ... After the payoff, I over paid XXXX ( Thats 2 whole car payments ). This delinquent payment needs to be removed from my credit. Due to the poor customer service and neglect of my documents from XXXX XXXX.
Product: Credit card or prepaid card

In early XXXX I received a letter in the mail for a new CapitalOne XXXX card. According to the letter I received, it claimed that due to my great credit score, I was eligible for this new card which ALSO INCLUDED A {$200.00} CASH BONUS if I spent {$500.00} within the first 3 months. This really interested me, so I checked reviews for it online ( XXXX, XXXX, XXXX, and even CapitalOne 's own website ) and the information in the letter matched everything I read online. 

So I applied for the XXXX Card ( not the Savor card which doesn't include the cash bonus, I was very careful about that ), and spent lots of money on the credit card with the expectation I would receive the set cash bonus. 

By XXXX I had spent well over {$500.00}, but I had not received any cash bonus, so I called Capital One. I had multiple phone calls and conversations and they first claimed that my card was not eligible for a cash bonus, despite all the evidence on their own website to the contrary. Then after I escalated it further, they claimed that I didn't select I wanted the cash bonus when I signed up on the CapitalOne app when I applied for the card, which is wrong. 

I am very frustrated that CapitalOne would be this deceitful and that after multiple times contacting them, they kept refusing my request. They even lied and said they don't have a customer complaint email address so that I would not contact their customer complaints department. Very shade.

I don't have the exact dates I called them each time, but it was multiple times and I have all the email evidence from CapitalOne to show each time they sent me updates regarding my case. So let me know if you need that and I will be happy to provide all of the document evidence.

The only thing I don't have is the original letter in the mail they sent. I figured that since all the websites confirmed the cash bonus, I would never encounter such a bizarre scenario as I am facing now. Thank God the CFPB exists to help keep these companies in line. 

I am being very rational and I am simply seeking the {$200.00} cash bonus they promised to me and conned me out of what I deserve.
Product: Debt collection

My credit report is showing a collection account from LAW OFFICE MBA on XXXX. I didnt receive written notification about this debt therefore I didnt have a chance to dispute on my behalf. I am also requesting debt validation according to 15 USC 1692g I am requesting in the debt validation for a detailed list of my history of payments made on this account, I want to see my signature that I put on a contract guaranteeing that I pay this creditor, has there been an insurance claim filed, and lastly I want to see the proof that you have chain of title to collect on this debt. Without proof of this information this collection should be removed immediately.
Product: Credit reporting or other personal consumer reports

You guys have that my license is suspended as of XX/XX/year> and this was stated XX/XX/year> so my license was suspended in the future? This has got me temporarily deactivated from XXXX and I rely on this income. I dont understand how you can 1 get the wrong date, a date in the future. and 2 say my license is suspended when it is active and not suspended. This has financial hindered me and I have wasted countless hours with the XXXX to work this out and they are just as confused as me. I will not be able to XXXX for at least a month for this and request compensation and my account to be corrected with the correct information immediately. This is ridiculously stupid I dont know how it can be this inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letters to XXXX, Transunion and XXXX asking for this company to remove some personal information that was absolutely devastating to my reputation. They have records information on my report that wasn't told to me or acknowledged by me to report of erroneous information such as charge offs of accounts that still have a balance. I believe XXXX has violate my consumer rights and violated my privacy. 
The accounts that I'm referring to is XXXX, XXXX XXXX, and XXXX XXXX. 
I have ask for them remove these accounts and they stated it was verified. How so, if I wasn't told about the information that was given to them to be true. The information they have is not factual. As per the FCRA any information that I didnt give authorization is supposed to be excluded XXXX have been getting denied from trying to get a home. Please help me have them fix this grave error by removing these negative remarks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon Leader ; I was going through my credit again this month in regards to 3 credit cards I had with XXXX  XXXX XXXX company which I had resolved and paid them off completely as you can see the attachments. But it continues to report incomplete, unverifiable, inconsistent, & errors on my credit report which is drastically impact my family 's financial goals. When I reached out to the 3 major credit bureaus, Experian, delete them all for violation and inaccuracies, but the other 2 still report with the same error. How is it possible you continue to say that you verified if the balance still shows the same and all the errors that i pointed out. I was told by the original creditor that you would delete them. Please comply and help me out. Streamline the process! Thanks!
Product: Credit card

A purchase was made to a pool company ( XXXX XXXX ) for a pool liner. The company sent an incorrect pool liner. We explained to them the issue and they sent another pool liner which was the incorrect size. This happened approximately XXXX times until we asked them to cancel the order. They then disconnected our account and would no longer accept our calls. When researching this company, the XXXX also shows they have done this to many other people. 
This was explained to the credit card company and they sided with me. They allowed this other pool company ( XXXX XXXX ) XXXX days to explain their side. 
After XXXX days, the money was removed from my account and all was good. 
On the XXXX day, they placed the money back on my account stating that the pool company provided sufficient information to prove their case. We have been fighting ever since. I am currently out the money and I still have no pool liner
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS BREACH FROM CAPITAL ONE CREDIT CARD I HAVE BEEN BEGGING TO HELP ME I CALLED THEM HOW AND WHAT HAPPEN FROM {$3000.00} BECOME ALMOST {$9000.00} I TOLD THEM I HAVE NOT USED THE CARD I HAVE NOT APPLIED FOR GYM MEMBERSHIP OR NOT APPLIED TO ANY TELEVISION SHOWED EXPLAINING IS NOT ME I DO NOT KNOW THE END OF THE YEAR AFTER FOUND OUT THAT I AM ONE OF SETTLEMENT MEMBER AND PROVIDED PIN NUMBER SIGN UP TO IDENTITY.DEFENSE AND XXXX AFTER THE COURT WAS RULE CAPITAL ONE CREDIT IS RESPONSIBLE FOR MILLIONS OF MEMBER INFORMATIONS WAS BREACH AND FOUND IN THE DARK WEBB INCLUDE MY INFORMATION TILL TODAY CAPITAL ONE CREDIT NEVER ASSISTED ME IGNORE MY CONCERN NEVER OBLIGATED TO BE RESPONSIBLE FOR WHAT HAPPEN CAPITAL ONE NEGLECTED ME AND LET THE COLLECTIONS HARRASSED ME EVERY DAY FOR THE AMOUNT THAT NEVER OWED MY CREDIT SCORE FROM EXCELLENT TO POOR NOW BECAUSE THIS STRESSFULL INCONVENIENCE FOR ME I WORK EVERYDAY AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE NOT EXPECTED THIS TO ME HOPING NEVER HAPPEN TO OTHERS I BEG FOR HELP NEED HELP TO BRING BACK MY IDENTITY TO NORMAL. PLEASE LET ME KNOW MY NEXT STEP I AM EXHAUSTED EMOTIONALLY PLEASE HELP ME... I WANT MY EXCELLENT CREDIT SCORE AND TO BACK NORMAL I DO APPRECIATED AND THANK YOU IN ADVANCE ALL MY INFORMATION IS OUT THERE NOT KNOWING WHATS NEXT PRAYING TO GOD NO MORE CAPITAL ONE NEGLECT ME NEVER HELP ME NEVER GAVE ME THE RIGHT EXPLANATION THAT I DESERVED.