23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I, XXXX XXXX, paid my earnest money to XXXX Title in the amount of {$1500.00} dollars to XXXX XXXX XXXX. I confirmed my payment by printing out my bank statement at XXXX XXXX  for the month of XX/XX/2023, to verify that the payment cleared through my bank per request by XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I closed the mortgage loan on XX/XX/2023, with my loan officer from XXXX XXXX XXXX XXXXXXXX. My real estate agent, XXXX XXXX, with XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX both met separately in her office to discuss closing numbers. They reviewed the numbers, since they were in charge of numbers. XXXX XXXX from XXXX XXXX reviewed and agreed with the numbers. I reviewed my payment and signed the closing document. I saw all of my payments and did not see where my earnest money was applied twice. 

I then one week later receive a call from XXXX XXXX XXXX XXXX needs {$1500.00} dollars from me, because she made a mistake and doubled the payment for the earnest money on the contract. I then contacted the loan XXXX XXXX XXXX about this matter, and he notified me that XXXX XXXX XXXX XXXX first, and asked for the {$1500.00} dollars that she again claimed was her mistake for inputting the earnest money twice. XXXX told her that he can not give her any money since the loan has been closed and signed by her, myself, and the mortgage bank XXXX XXXX 

She has now sent a demand letter to me to pay for her mistake. I work slot but my mail is sent to my email that Im to receive. She sent a certified letter signature required, to my house as another demand letter. I find this to be very unprofessional and not a way for someone who is in a low income program for this housing project to start out homeownership. XXXX has made the mistake, the closing is completed, and she should not be harassing me to pay for her mistake. Please review this matter. It would be greatly appreciated. Thank you! 

Best regards, XXXX XXXX XXXX
Product: Debt collection

Back in 2016 I attended XXXX University. I applied for financial aid and was awarded the aid. I end up failing the class and now they are trying to charge me the full amount of the class when they were paid. My financial was never sent back to XXXX XXXX XXXX XXXX XXXX. I do not owe that debt as it was paid when my financial aid was disbursed.
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.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX, XXXX, XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, 2017, a charge in the amount of {$1900.00} was made to XXXX XXXX XXXX 's account from XXXX XXXX. This was not an authorized charge, we have not done any business with them, and do not know who they are. I called TD Bank to dispute the charge and was told that the matter would be resolved within 2-3 days. I then called back only to be told it should take 7 days. After that period, I contacted the bank again, and after being transferred to supervisor, I was informed that they will not be able to reverse the charge since it was reported more than 24 hours after posting. This is very unusual to hear, as they are stating that you basically have to be chained to a computer to check bank statements on a daily basis. I have never experienced such poor protocol and service from financial institutions in the past. They are effectively saying that if I 'm away for a few days and someone processes an unauthorized charge, I have no recourse. When I asked what can be done to prevent this from occurring again in the future, the supervisor responded, " Nothing. '' This is completely unacceptable, for a bank to tell their customer that there is no safeguard in place to prevent someone who happened to get our account number, whether from a check or from some other document, to just be able to go and drain our account. If I do n't catch it within 24 hours, I 'm out of luck according to XXXX. Afterwards, I 've contacted the merchant directly to see what can be done. The merchant stated that they though it was a strange transaction because it was done very fast, the customer picked the best tier package, and the location was for a low-income area, which is inconsistent with similar orders. He nevertheless proceeded with the transaction. Both me and the owner of XXXX filed a police report. XXXX claimed that they ca n't return the funds because then they will be at a loss, and that I should pursue the issue with my bank. As it currently stands, I 'm out almost XXXX XXXX dollars, and my bank is refusing to reverse the charge on the basis that it was reported more than 24 hours afterwards. I have never heard of such a policy, and do not believe I ever signed any documentation stating such a policy. In all my experience with financial institutions, I 've had a month or more to dispute charges. Not everyone checks their transaction history online, some still receive paper statements, so I can not understand how such a policy is even legal. Thank you for your attention to this matter.
Product: Credit card

I've always ensured any timely payments on this account, never letting them become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. Based on 15 USC 1666b - Billing Error these should be corrected.
Product: Checking or savings account

I called Navy Federal to ask a question about my credit card and was asked to provide my access number or my social security number. Now they are never supposed to ask for my full social but the last 4 digits if I decide not to use my access number. So I recently learned that due to consumer law I do not have to give my social security number. I have decided to give my access number which should provide all of my info. Then they ask for my address and date of birth and again my full social security number. Even when I dial in the automated systems tells me to enter my access number or my full social when calling in. So, with doing that all my info is supposed to show on the representatives screen without asking for my access number nor social Secuity number. They are not even supposed to ask for the last for digits of my social because everything is right there on the screen. 
So when I told them I would not supply my social security number it became a big thing and I was told that if I don't give it they would hang up on me. I asked to be transferred to the supervisor they hung up on me. I called back and asked for the supervisor and she also became nasty and told me she couldn't help me if I didn't supply my social security number. I said I gave you my access number and told her I think I was being racially profiled. I called back and got a rep who said as long as I type in my social it will manifest on the screen. I should not have called in to ask 1 question that could have taken 5 minutes or less but I has to call 4 times and it became an argument with workers who are not knowledgeable or racially profile me for ss # when I get XXXX XXXX reps they say I am verified on the screen but when I get XXXX reps they always want my access number and social security number. 

Isn't there a law stating I don't have to give my social over the phone. I don't feel comfortable with giving my social security number # over the phone with people working from home especially the ones who are very nasty in personality over then phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, Somebody i heavily using my identity to get some money, i am seeing tons of hard inquiries in my credit report which does not belong to me, moreover i have not been living in the United States for 5 years, inquiries are given below. 

1 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 2 ) XXXX XXXX XXXX   XXXX- Inquiry date : XX/XX/XXXX 3 ) XXXXXXXX XXXX-Inquiry date : XX/XX/XXXX 4 ) XXXX- Removal date : XX/XX/XXXX 5 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 6 ) XXXX- Inquiry date : XX/XX/XXXX 7 ) XXXX/XXXX-Inquiry date : XX/XX/XXXX 8 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 9 ) XXXX- Inquiry date : XX/XX/XXXX 10 ) XXXX- Inquiry date : XX/XX/XXXX 11 ) XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 12 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 13 )  XXXXXXXX/XXXX-Inquiry date : XX/XX/XXXX 14 ) XXXX-Inquiry date : XX/XX/XXXX 15 ) XXXX XXXX- Inquiry date : XX/XX/XXXX 16 ) XXXX XXXX XXXX-Inquiry date : XXXX XXXX, XXXX 17 ) XXXX XXXX XXXX- Inquiry date : XXXX XXXX, XXXX 18 ) XXXX- Inquiry date : XXXX XXXX, XXXX 19 ) XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 20 )  XXXX XXXX XXXX-Inquiry date : XX/XX/XXXX 21 ) XXXXXXXX XXXX- Inquiry date : XX/XX/XXXX 22 ) XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX 23 ) XXXX XXXX-Inquiry date : XX/XX/XXXX XXXX
Product: Student loan

I have filed income base repayment. It is not tax season yet and you are asking for money. You can't ask for money on income based repayment when this is illegal. You even have it says XXXX for repayment and you are asking for repayment now as of XX/XX/. You can tell me multiple dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whomever that was over my case purposely deleted everything that was good on my credit report and left everything derogatory at the worst time when I'm trying to purchase a home after having a fire XX/XX/2020. 

I asked that a Bankruptcy of XXXX 1/2 Years Ago & a XXXX Year Old Child Support be validated and removed. I spoke with the The Local Bankruptcy Court & The Friend of the Court. They Stated that they do not report to the Credit Repair Agencies and they both recommend that I dispute the errors. I asked That XXXX explained how did they Verify these. 

I also have a Derogatory from XXXX XXXX who's debt I've settled with the courts. I called & explained my situation They asked me to dispute the matter which I did and it also still remains. 

I also asked they validate several old lates that I had in question with my XXXX Balance Credit card Companies of 8 & 5 Years and both of those where Deleted resulting in a 45 Point Drop. The Same was asked of with several lates on my Vehicles with XXXX XXXX XXXX. 

This credit nightmare was just made worse by someone who completely dropped the ball at XXXX. I am completely outraged over this lack of efficiency. If we can't count on the reporting agencies to fix errors then who???
Product: Checking or savings account

XX/XX/2019 I checked my Capital One App, it had an item hold, and I couldnt see what it was. The App also showed a {$35.00} overdraft fee pending. They have not been holding any items under my account number, nor having any overdrafts pending. What have they started doing to my account number? I have had my account there for years. This is against the law. I called customer service. Again they say they cant remove the pending overdraft fee until it posts. 
How is your agency protecting me as a consumer?
Product: Debt collection

The following inaccurate debt was reported to my 3 credit bureaus. They have never contacted me via email, Postal mail or phone call. Then they BACK DATE it almost over a year and report to my 3 bureaus. When I called the number on the bureau, they had to transfer me 3 times and had to look for my account and they couldn't find my account, and I informed them this was all taken care of via Medical Insurance, I even requested on a dispute process their exact response " Sir, its already on your credit bureau you can not dispute '' and then mysteriously we got disconnected. Worst part is this all happened during the Covid-19 Pandemic. -- -- -- - Collection Agency TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$140.00} Amount {$140.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX ) XXXX
Product: Credit card

Capital One was not clear about their promotional offer for 0.0 % APR for 18 months. I just bought a house and was going to use the offer as a free loan to buy all the furniture I needed for an empty house. After spending XXXX in one month, I received a bill for the " Purchase Saver Amount '' for the full amount ( or I would pay interest ). When I signed up for the promotion, I was under the impression that I would not have to pay any interest on future purchases for 18 months. After an online chat and a phone call with Capital One, I was informed that the offer only applied to balance transfers and did not apply to future purchases. Not only would I not have signed up for the promotion whatsoever had I known that it was only for balance transfers, but I also would not have spent XXXX in one month! I saved the promotional email which is deceiving. It explicitly states " Want to avoid paying interest on new purchases? If you accept this offer, you can avoid interest on new purchases. Pay the Interest Saver Payment ( your minimum payment plus all non-promotional balances, including purchases, cash advances, fees, and finance charges ) by the due date each month, and you wo n't pay interest on new purchase transactions '' I do n't need a promotion to pay my credit card balance in full every month. I can do that without jumping through hoops to sign up for their promotion. This is the most deceiving fraudulent experience I have had in a long time! This deceptive tactic tricks users into signing up for a promotion where they believe their problems are over and they will have 18 months of no interest, so that after the users ( who probably would n't have spent the money anyway ) rack up a massive credit card bill, they tell you you must pay the entire balance to avoid interest! Truly unethical. This practice needs to be stopped. Companies like this are why the average American is in XXXX of debt. I lost {$300.00} balance transferring the amount away from my Capital One card onto other credit cards that " actually '' are giving me 0.0 % APR. I will be closing my account ASAP. Thank you for your time.
Product: Debt collection

A a collection agency which I have no knowledge of has reported to XXXX a XXXX about a debt that I have no knowledge of by a company I have no knowledge of therefore I have never done business with this company this collection agency and therefore I do not know them anything I have never had any contact with this company whatsoever I have never signed any agreement with them I have never made any business deals with them I have never even heard of them until I saw that they had flagged my credit report was the first I had ever heard about this company
Product: Debt collection

This original debt was from XXXX XXXXXXXX XXXX XXXX It is now reporting as debt with NCB Management as a debt that is from XXXX  this false and all is inaccurate.
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns with Zelle. My concerns with allowing the continuous scams with no alerts for the consumer.
Product: Debt collection

In the year XXXX  I was living in an apartment building prior to my divorce. The landlord had decided they wanted to renovate the house and asked us to leave without a thirty day notice. Prior to that when I had moved in there was some damage done in the shower. When I asked maintenance about it they said I wouldn't have to pay for it. However, it wasn't put into writing-the landlord then charged me for it, even though they were renovating the entire house after having us move out. They also charged for a full month 's rent without a proper notification of a 30 days. 
They transferred my debt to a company called ProCollect In Texas ( a state I do not live in ) I've tried communicating with the company. They won't allow me to pay online, and will only accept a payment through XXXX or wire transfer or an overnight check. When I go into to any place such as XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  etc. Procollect is not in the system. I'm starting to think they are a fraudulent company. 

When I tried to work with their debt repair team ( XXXX XXXX ) they said ProCollect had listed my previous apartment and debt owed to them on my credit report twice. I'd very much like to get this disputed and taken care of so my credit score can start being restored. They said to go to a XXXX, pay the money with my account on there, then call them to let them know I paid it, and then they would email me confirming they had received it. That seems overly complex for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, CHASE made an inquiry into my XXXX file without my authorization or knowledge. CHASE has acknowledged that a fraudulent application for credit was submitted using my personal information, they contacted me when they caught that it was fraudulent, and agreed to delete their unauthorized inquiry but have failed/refused to do so.
Product: Mortgage

In XX/XX/2010, we completed a short-sale on a home we had financed with PNC Mortgage. I am enclosing a copy of the HUD-1 from the mortgage settlement. Despite the fact that this occurred over 7 years ago, PNC Mortgage continues to report this mortgage and a balance owed. This is a violation of the Fair Credit Reporting Act.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The XXXX Credit Bureaus are reporting inaccurate information on PROGRESSIVE MGMT SYSTE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of these items from my credit report, which is the result of fraudulent item origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that do not belong to me which are reported erroneously. I am in desperate need of these items to be INSPECTED and BLOCKED. 

XXXX XXXX XXXX  XXXX & XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the CFPA. Specifically Cash App faile to take timely and effective measures to prevent and addressfraud on their platform leving my account vulnerable and unprotected. Furthermore and most important of all their dispute resolution process was unfair and deceptiveas they did not comply with error resolution requierments under the EFTS and regulation E. These actions have caused significant inconvenience and financial los, and I am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted Experian via phone in regards to written dispute letters they have been sent x 's 3 so far. Experian continues to refuse to honor my disputes and investigate the innacurate information they are reporting with the companies reporting the information. The representative I got on the phone was less that helpful and I asked to be transferred to supervisor. I was then put on with a " Special Services '' agent who also parroted Experians role and refused to handle dispute process. XX/XX/2021 I recieved a postcard in the mail that a " Fraud Alert '' had been added to my report for the duration of 12 months and that this information would be shared with the other CRA 's as well. I did not initiate or authorize a " fraud alert '' as I already have a security freeze that I did indeed initiate on my file. XX/XX/2021 I recieved 2 more post cards from CRA 's anout this " Fraud alert ''. I then contacted these CRA 's to remove the fraud alert stating that I did not initiate or authorize this alert. I was informed by both CRA 's that the alert was initiated by EXPERIAN on XX/XX/2021. I the called EXPERIAN and asked to speak with the fraud dept. I was again transferred to " Special services '' agent. I explained that there was a " fraud alert '' that I did not ask for on my credit file and needed it reoved immediatly. The agent then told me that " there is no fraud alert on your file ''. I then made her repeat this ( 3 ) times and finally said " so on this recorded line you are telling me that there is no fraud alert and that Experian di not initiate this alert on my file ''? The agent became very upset and yelled " YOU CAN NOT RECORD THIS CALL ''! To which I responded " YOU are recording the call on your end and saying on record that this " FRAUD Alert " is not on my file and you did not initiate it ''. The agent then immediatly hung up on me. EXPERIAN has been contacted by me several times by certified mail and via telephone in regards to their continued illegal reporting of inaccurate information and accounts. EXPERIAN continues to ignore the laws as stated in 15 U.S.C 1681a ( 2 ) ( B ) all while sending corespondence that makes it " appear '' as if they are acting on the best intrests of me the consumer. EXPERIAN continuies to 1 ). Illegally share information pertaining to me to ANY third party compaines or credit agencies without my consent. 2 ). Continuing to place in their report innacurate accounts and acount information. EXPERIAN continues to list these accounts as " verified accurate '' when in fact the accounts have not been verified in accordance with FCRA. EXPERIAN continues to seek information from third party vendors and not the acutal companies and report information from the vendor as " acurate ''.