23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

OnXX/XX/XXXX my student loan service was transferred to AES. Previously my loan servicer was XXXX. My XXXX bill was paid electronically to XXXX ( {$300.00} amount ) and cleared thru my bank on XX/XX/XXXX. My loan was transferred to AES as stated much earlier, XX/XX/XXXX. My account was then handled by AES and I also paid them {$300.00} for XXXX.bill, not realizing at the time that XXXX cashed my payment, 2 weeks later. I have called XXXX  many times and they told me they would be forwarding the {$300.00} to AES which apparently has n't happened. AES has denied seeing any additional payment. Both companies will not tell me what happened to my additional payment of {$300.00}. I have called both companies and both tell me to call the other. XXXX has been adamant in saying they they transferred funds but it has n't happened. And they have been somewhat hostile with my questions. Any info would be helpful. 

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

Dear XXXX, I am writing to file a formal complaint against the three major credit bureaus - XXXX, Experian, and XXXX for failing to accurately address and resolve my disputes related to incorrect information on my credit reports. The disputed information remains on my credit report and has not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest recovery systems is reporting a balance of {$580.00} on my account on XX/XX/20. I don't owe any debt to this company and was never notified in writing by this company of any debt owed, directly in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX - XXXX XXXX  Account Number : XXXX - XXXX  Account Number : XXXX
Product: Debt collection

In XXXX 2015, the XXXX & their associates @ XXXX in XXXX, MO, failed to follow their protocol for obtaining pre-authorization ( s ) for my XXXX. 
They were notified by my Insurer, prior to my XXXX, that their requested pre-approval was DENIED, but they told me they had obtained the required approval ( s ) and they proceeded with my XXXX without notifying me of the DENIAL. 
They have since persisted in billing me for the XXXX, but have declined to persue their claim in court. Instead, they are attempting to extort me into paying money I do not owe - for their mistakes - by damaging my credit rating by filing Negative Reports with the credit bureaus thru 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

Id like to make a complain about the XXXX XXXX. I paid XXXX dollars in one payment which covered the whole balance of the account only to see that the next day there was a XXXX dollars balance. I called to ask where that balance came from when I just paid the card in full and they claimed it was from a pending purchase plus 12 dollars of interest. The last purchases were on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX. I dont understand how those purchases were still pending when it had been 2 weeks since those purchases. Id like to get those 56 dollars back and keep the card closed. 

XXXX XXXX XXXX XXXX 23 {$23.00} Additional details for transaction on XX/XX/XXXX titled XXXX XXXX XXXX XXXX for amount XXXX REWARDS 23 POSTED DATE XX/XX/XXXX PURCHASED BY XXXX XXXX ACCOUNT ENDING XXXX XX/XX/XXXX XXXX XXXX XXXX 46 {$22.00} Additional details for transaction on XX/XX/XXXX titled XXXX XXXX XXXX for amount XXXX REWARDS 46 POSTED DATE XX/XX/XXXX PURCHASED BY XXXX XXXX ACCOUNT ENDING XXXX XXXX/XXXX/XXXX XXXX XXXX 25 {$25.00} Additional details for transaction on XX/XX/XXXX titled XXXX XXXX for amount XXXX REWARDS 25 POSTED DATE XX/XX/XXXX PURCHASED BY XXXX XXXX ACCOUNT XXXX XXXX
Product: Money transfer, virtual currency, or money service

This is a follow-up complaint of XXXX, which has been closed as Chase has responded on XX/XX/XXXX. 
In the Company 's response of complaint # XXXX, Chase claimed that there was one-time passcode sent to my phone to verify the known device, but I have not received any text about that on that day. I had the phone with me all the time and I never lost, but on XX/XX/XXXX and XX/XX/XXXX, the date that the fraudulent transaction happened, I NEVER received any one-time passcodes that the Chase claimed that has been sent to me at my phone. On XX/XX/XXXX and XX/XX/XXXX, there were total of XXXX fraudulent transactions happened, but the bills of my cellphone showed NO texts from Chase related to those XXXX fraudulent wiring setup being recorded on XX/XX/XXXX and XX/XX/XXXX. 
Attached are the detailed billing statement from my cell phone company, and I highlighted the texts that were sent to me on the days that fraudulent transactions happened. 
None of the texts I received that day contained the " one-time passcodes '' that Chase claimed to have sent to me to verify the wire recipients. 

Please refer the original complaint XXXX for more details.
Product: Mortgage

We have given our most recent mortgage company, VeteransUnited Home Loans, just over six weeks to respond so, at this point, I believe its reasonable to give up hope that they ever will. Heres the justification for what I suspect you will agree was a shady practice, the remedy for which you may able to offer us advise.

Our first loan officer for VeteransUnited Home Loans didn't know his loan products well enough to offer us the correct one. We had originally settled on what we felt was a fair price but, with TWO days to go before the original closing date, after having thought our loan type had been determined for over a month, our loan officer informed us that the product for which we had originally contracted was not available after all and, to make it available, would require an interest rate that would have been prohibitively expensive. When we asked the seller for an additional week that VeteransUnited Home Loans demanded to process the revised contract through underwriting, the seller refused to extend the deadline unless we paid the full appraisal price. We wanted the house and feel that that mistake cost us {$5000.00} extra to get to the appraisal price or certainly lose the house. We hold our loan officer 's team responsible for our lack of leverage at this critical phase in the process.

Furthermore, in order to get the original rate, we were compelled to replace my wife with our daughter on the deed and, because shes only XXXX XXXX XXXX, she has not had an opportunity to achieve an " Excellent '' due to her immature credit history, that cost us .75 % ( {$2200.00} ) to maintain the same interest rate.

So, {$7200.00} poorer than we bargained for, we feel cheated and mistreated and would not come near VeteransUnited Home Loans again and persuade everyone we speak to do the same. Any remedy you can suggest we pursue would be very welcome. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report. 

Pursuant to 1681b Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report. 

By law these inquiries on this letter must be deleted immediately Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
No consent is IDENTITY THEFT! 

XXXX XXXX XXXX Inquiry : XX/XX/2020 XXXX/XXXX  Inquiry : XX/XX/2020 XXXX XXXX XXXX Inquiry : XX/XX/2020
Product: Payday loan, title loan, or personal loan

I am in a title loan which has an extremely high interest rate. Since I am on XXXX XXXX I believe I am covered under the Military Lending Act & The Servicemembers Civil Relief Act for a reduction of interest.
Product: Mortgage

I was behind on my mortgage and was approved for a forbearance. but i was told that my negotiator would call me or my authorized hud counselor. i reached out to XXXX XXXX and so did the hud office helping and she has not responded. i was told i could make my mortgage payment in XXXX but how can that be if i have a foreclosure sale XX/XX/21 please help
Product: Mortgage

The account in discussion is Loan care Account # XXXX the issue at hand is a late in XX/XX/2020, A financial accommodation was made. On my latest credit report which I will attach for your convenience, it lists a late pay in XX/XX/2020. According to the CARES ACT if any accommodation has been made no late pays may be reported to the consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I received an alert that my score had plummeted a significant amount. Upon reaching out to the major credit bureaus, I was received by their automated answering machines which both hung up the line several times. Upon finally getting to an actual live agent ( with Experian ) after trying for about 45 minutes to 1 hour, I explained to them that my credit score had decreased by about 50 points in one day even though I had no outstanding debts and my student loans had been paid off in full. They then brought my attention to the fact that there was still one account that was potentially still negatively impacting my credit score. It was an account that had been paid off and closed for about 2 years. Furthermore, at the time at which I had paid off this account I was told that it would be closed and would no longer be a factor in my credit report. Therefore, I proceeded with that information in mind. After explaining this situation to the agent I had finally been able to reach, they essentially told me their was absolutely nothing they could do for me except connect me with a credit monitoring agency which charges XXXX $ /month for their services which I can not afford.
Product: Money transfer, virtual currency, or money service

I tried to buy a plugin for my music production from a person on XXXX in XXXX for XXXX dollars they said to pay them thru paypal as friends and family and when I sent it over they said wait for the product in a few mins. Iv waited a day and tried contacting the seller thru instagram and email but no answers and blocked me the next day. I tried filing a dispute thru XXXX XXXX   and notified paypal on the situation in XXXX got the money bak within a week or 2 but the bank is reversing the case and saying it will take effect in XXXX of XXXX saying I violated paypal friends and family policy when the seller told me to pay fo that method and saying item has been delivered when I recieved nothing both disputes left me with defeat
Product: Debt collection

I received a collection from Opportunity Financial and I do not owe this debt. I have disputed this in the past as well.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX HAS VIOLATED my rights.

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

15USC 1681 Section 604 2 : its also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not teat a payment on a credit account under an open end consumer credit plan as a late for purpose.
Product: Debt collection

AMR contacted me VIA robo-call on XX/XX/2020 @ XXXX and again on XXXX/XXXX/202 @ XXXX. They left a voicemail both times, explicitly stating that it was a debt collection attempt. I have asked previously for an itemized invoice, but have stated specifically for them not to call my cell phone number as it is also a work phone. This is a 3rd party debt collection.
Product: Debt collection

They never billed my insurance. They never even sent me a bill. Now they are trying to list as a collection and damage my credit. XXXX Stanislaus credit cntrl.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage loan with XXXX ( Account number XXXX ) The first delinquency on this loan was in XX/XX/XXXX. The first delnquency listed on the credit bureau files shows 90 days late in XX/XX/XXXX. It was placed in forbearance but never brought current. It was ultimately foreclosed. Federal law says that it had to fall off my file inXX/XX/XXXXdue to federal obsolescence guidelines. I disputed it and it remained.
Product: Credit reporting or other personal consumer reports

I just recently looked on my report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This Inquiry that has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXXXXXX XXXX XXXX XXXX XXXX. This Inquiry that has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B 3. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This Inquiry that has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B 4. XXXX XXXX, XXXX XXXX XXXX XXXX  This Inquiry that has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B 5XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This Inquiry that has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B 6. XXXX XXXX XXXX XXXX XXXX XXXX This Inquiry that has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XX/XX/XXXX. This Inquiry that has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX bureaus and the original creditor letting them know the following information is fraud and needs to be removed immediately. They have failed to do so. IU have not received any letters from the original creditor regarding this debt. Nor have i received information from this XXXX XXXX XXXX  regarding this debt or informing me they would send anything to collections. This violates the fdcpa and is fraudulently reporting on my credit report i demand immediate removal.
Product: Mortgage

Accusation against, Pulte Homes of Minnesota, LLC : deceptive predatory lending practices, deceptive trade practices, fraudulent misrepresentation, by engaging in high sales pressure to sign an unconscionable contract ; i.e., the purchase agreement, stating that without signing immediately the seller would offer to another buyer, thus not allowing the potential buyer adequate time to review the purchase agreement. Additionally, the sales consult ( XXXX XXXX ) pre-qualified the potential buyer based on 3.25 % interest rate, and lower principal price than expected at closing ; therefore, deflating the expected value of the townhouse ; inducing the buyer to commit to signing the purchase agreement. Furthermore, Pulte Mortgage ordered a conditional loan approval based on falsifying the potential buyer credit-debt-ratio ; e.g., XXXX XXXX  denied potential buyer financing based on credit-to-debt ratio ( student loans ) ; on XX/XX/2020. The conditional loan approval with Pulte Mortgage expired XX/XX/2020 ; Pulte Mortgage did not contact potential buyer. The potential buyer contacted Pulte Mortgage XX/XX/2020, and was informed about an increase in interest rates. Seeking a new lender ; aforementioned XXXX XXXX, by which, potential buyer was denied financing based on credit-to-debt ratio ( student loans ). The potential buyer contacted XXXX XXXX, XXXX XXXX, and XXXX XXXX ; via email ; stating the inability to perform the obligations of the purchase agreement, and asked for the return of deposits totaling {$25000.00}. XXXX XXXX offered to process cancellation through XXXX XXXX, but inferred the inability to return deposit money. Pulte then proceeded by offering approval from their lender, without consent or signature from buyer, and emailing a closing date. Buyer replied XX/XX/2020, and XX/XX/2020, restating the inability to perform the obligations in the purchase agreement, and asking for the deposit of {$25000.00}. As of XX/XX/2020, no response has occurred from Pulte Homes of Minnesota , LLC ( XXXX XXXX, XXXX XXXX, XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 plus ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Product: Prepaid card

Money NEt work, First Data, was given my money by XXXX XXXX, based in Texas ( child support ) when i received the second card as first expired ... Iwas not able to activate. They verified all my information but said they needed a picture id. i faxed and mailed the picture Id Each time they said it was not legible. So for 18 months i have not been able to access my money. There is over XXXX, and they are taking monthly fees out. I do not know what the amount is that is on the card, and XXXX will not help me. I have sent letters certified and have gotten them back unsighed and un opened. undelievered. They are located in XXXX, and XXXX locations are in XXXX. The post office consumer affairs have tried to help but to no avail. I have employed a lawyer but that has illicited no response. In addition, I have filed a complaint with FTC, and compliants with the BBB in XXXX states. I have kept copies of all the correcspondence, receipts, etc and notes. I would like your assistance in this matter to get the full amount which would include the monthly fees. thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account, # XXXXXXXX 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 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. also states a consumer reporting agency can not furnish a account without my written instruction.