23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was working with Freedom Mortgage on a mortgage refinance. Every time I was asked for information, I always responded with 24 hours of the request. After not hearing anything for quite some time, I reached out to my loan processor to ask for the status. He stated my loan went dormant because they were awaiting a csubordination with the title company. Due to internal priorities at Freedom Mortgage, loan refinancing takes a backseat to new purchases. My loan was not a priority for them and it clearly showed. To make things worse, I received an email ( not a phone call ) from my loan processor 3 weeks after my loan had been closed stating that I need to reapply.
Product: Checking or savings account

Well on  XXXX / XXXX /2017 I made a payment arrangement from the bank of America bank on   XXXX   XXXX   Florida to pay my rent by automatic payment. has never been taken out of my account resulting in late fees from my landlord. Been lied to as first agent on  XXXX / XXXX /2017 says that it is there but its to early will be paid. then the second agent says its being paid today. then the third agent says she does not even see it but even have a letter from bank verifying it was done. Am very upset and not happy at all. This is totally uncalled for and get different story. And I have written proof it was done. Now they are saying they do not even see it at all being done but yet the first two agents said it was showing on my account. this is very unacceptable causing me more money. From the bank incompentace.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Closed Accounts from Credit Report To Whom It May Concern, I am writing to request the removal of closed accounts from my credit report. The following accounts are closed and no longer active, and I believe their removal will help maintain the accuracy of my report : XXXX XXXX XXXX close and it was open since XX/XX/year>. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX, call from Discover Card to remind me to fill out and file a form they allegedly sent me in XXXX to verify my identity. I never got the email so they sent it again. They claim it was a random identity check, but the form requested authorization to look at my last two years ' tax returns. They also asked for my social security number, both of which I declined to do. I smelled fraud. I told them so. They said it was a random check. I said, you dont need my tax returns to verify my identity, and you dont ask for SS numbers on an unsecured phone line. They then asked alternate questions and finally agreed I was who I said I was. But they wouldnt reopen the account. 

Today I was declined a purchase even though there was adequate credit. I called the number on my card and got the same story. Ridiculous.
Product: Credit reporting

i ran my free credit reports XX/XX/2016. On my Equifax report, there are XXXX revolving charge accounts that do not belong to me but belong to my Mother ( same first name, different address, DOB, SSN ) for XXXX credit card and XXXX credit card. Also, Equifax is reporting me at an address that I have never been a resident of but is related to the XXXX credit cards that are not mine. I disputed all XXXX items and am waiting for response on the credit. To remove the address, the want a copy of my DL, a utility bill and a copy of my SSN card. I WILL NOT provide that information. Do they not check the SSN and DOB before putting items on consumers credit? I want the XXXX disputed items removed and they need to be more careful and check the information first.. Thank you
Product: Checking or savings account

Unable to receive one-time verification code. Tried to speak by phone but representative could only read from a script and could not provide me with access to my account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

XX/XX/year> the web site doesn't stand for a piece of paper. I have a visible asset space character in name and web page refuses to provide account services to customer. I report of bank liability communism to be denying assets in account services to customer of equal credit opportunity act for a open end account without limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with CFPB on XXXX, complaint number XXXX-XXXX on capital one.On XXXX capital one responded that they needed more time to work on issue.On XXXX capital one called me at XXXX and the lady handling the complaint XXXX-XXXX told me that she really couldn't find paperwork from XXXX 0r XXXX but relied on a recorded phone calls from XXXX and XXXX.I told her can you provide me and CFPB with any evidence of those conversations as well as any paper work that says that capital one didn't agree taking off the negative/closed accounts ( trade line ) off all credit reports when I paid them off.She said she couldn't provide any details with me or CFPB.I told her I disagree with you on your findings.I told her if you/capital one denies my complaint you must give details of your findings.Therefore, I disagree with this lady/capital one handling complaint number XXXX-XXXX is lying.Originally she needed more time on complaint cause she couldn't produce any information or paper but did make up/lie on recorded conversations.She said im sorry, but she took the proper steps and unfortunately cant help me.She is lying
Product: Credit reporting 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. 

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

I recently applied for home loan with XXXX XXXX who had problem approve me for home loan. Because MOHELA U.S. Department of Education has me owing them {$79000.00} Student Loan was granted College Degree in Music Major. Who only receive two student loan in the amount of {$5000.00} in two student loan. I feel I'm being taking advantage of because my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Back doing XXXX. I stop going to college because had kids to support. So I took any kind of job to support my kids. To prevent them from being poverties. Because I grew up poverty by single mom with XXXX children without dad being presence in the home. I want to presume music career through college. Who had problem with system support my music career. It wrong to report someone owe {$79000.00} to credit bureaus owing {$79000.00} student loans. Who didn't graduate with college degree.
Product: Checking or savings account

XXXX XXXX from Frost Bank in XXXX Texas called me out the blue claiming that I have committed bank fraud just by opening an online account which is not illegal, and he requested that I go into the branch to identify myself which I did within XXXX minutes after the call ONLY TO BE TREATED AS A COMMON CRIMINAL by XXXX XXXX who was following orders from XXXX. I never received the documents that XXXX claimed made him suspicious of me in the first place. XXXX XXXX was very rude and disrespectful towards me when speaking to XXXX XXXX upon my arrival to prove my identity. XXXX put me in a closed off room and began to Intergate me like I'd committed a crime. He stated that I needed to deposit my work checks in the account because people committed fraud all the time as well as made me sign a document that i didn't get a copy of claiming it was to ensure that I would be the only one cashing checks or making deposits into the account. It was weird and I was made to feel like I committed a crime, and they were going to make me pay for opening up an online account that XXXX didn't approve of. I felt like they racially profiled me, and XXXX also called my other bank and red flagged me because of his BIAS XXXX thoughts. His assumptions were and still ARE DETRIMENTAL TO MY REPUTATION AND CHARACETER AS A PERSON WHO DID NOTHING WRONG BUT OPEN AN ONLINE LOW LEVEL CHECKING ACCOUNT. XXXX needs to be held accountable for destroying law abiding citizens reputation with false claims and he needs to be held accountable for he's done. I can only imagine the horrible claims/accusations he's put on other people and XXXX XXXX XXXX XXXX be held accountable as well for following the orders of a liar. XXXX XXXX
Product: Vehicle loan or lease

Westlake Financial Services, XXXX, CA took my XX/XX/XXXX car loan payment and applied it to another consumers account. The money was deducted from my bank account so I did not realize it had not been deducted from my principal loan balance ; until it happened again in XX/XX/XXXX. I activated my online account and researched all payments against loan payments and found the 2 Missing payment. I contacted WFS and after proving with bank tracking numbers they correctly applied my payment to my account. I pay approx {$6.00} per day in interest. I asked them to put back 1 years worth of interest as the payment was missing for that long, as well as late fees, as they payment was not late, but for a year it my account was obviously not current and always 30 days behind. WFS opened a complaint in my name and told me for nearly 2 months the accounting department was trying to calculate the correct interest amount and apply it back to my loan. They would never let me speak to anyone in the accounting department. I reached out to WFS on XXXX, XXXX, email, and phone, and get the same answer. We are looking into it and please wait for the accounting department to investigate. I then contacted the XXXX XXXX XXXX, and WFS said I needed to wait for a letter they sent me. I never received the letter, or an email, or a phone call. XXXX sent them a follow up and they replied that I needed to give usps time to deliver their letter. 3 weeks and it never arrived, is plenty of time. I think they were playing the waiting gameas they knew XXXX would close the complaint. Which they did today, and advised me to file a complaint with you. I would like the interest accrued daily for 1 year plus late fees to be returned.
Product: Checking or savings account

On XXXX XXXX XXXX  I received a targeted email offer from Capital One for a {$350.00} bonus upon opening a 360 checking account and making two deposits of XXXX XXXX  within 75 days of account opening. I accepted the offer and followed the link to apply with the promo code. 

The next interaction was also via email. Capital One requested identification on XX/XX/. I submitted this documentation and was told that a response would likely come in the next two days. 

Because I had not received a response, I called Capital One on XX/XX/XXXX. I was told by the agent that the application had no activity on it, but that I was eligible for the promotion and he would help me complete it. After giving the agent some personal information, I was given a link to continue the application. This link did not work. However, the account was open by the end of the call. 

After opening the account, the agent transferred me to the account activation department, where an agent ( named XXXX XXXX told me that the account had been opened without the promo code and assumed that the error was mine. I explained the situation and asked her to correct it. She refused, telling me that I could try calling again in XXXX, after the eligibility period expires, and maybe they would help me. I asked if she would vouch for me, and she said she would not. 

So, I was left not knowing if a system error had occurred, or if the first agent had simply started the application from scratch without applying the promo code, or if I had fallen for some kind of trick. I called again today and asked to speak to a manager. The manager, XXXX, told me essentially the same thing, except that the earliest date to correct would be XXXX, not XXXX as the previous agent told me. She also did not try to pin the mistake on me and was much more professional, explaining that such system errors do happen and that following up in three months is the standard protocol. She gave me her employee number and the case reference number. 

While XXXX was much more pleasant and professional, I am still not satisfied with how this promotion is being handled. I read the fine print and this was not part of it, a promo code does not simply go missing mysteriously, and if such a thing occurs so frequently, the proper way to handle it is not to delay resolution beyond the promotion period and leave the customer at the mercy of a phone agent. When personal information is given in exchange for something, that creates an obligation and is not easily reversed. This is more serious than simply refusing to accept a coupon.
Product: Prepaid card

XXXX, a FBI Fingerprinting and background checking service, charged me {$25.00} and advertised/promoted their " quick '' access one-time Link to results when the FBI report is ready . The Link does not work for many customers ( Did not work for me XXXX, or at anytime thereafter. This is discrimination against people of who come from outside the Sate of Pennsylvania as was my case ( Place of Origin Discrimination ). I had to wait XXXX days for a paper report and almost lost the job offer instead of the report being made available by the electronic Link as advertised. My fingerprints were processed within XXXX hours on XX/XX/2024, and I should have had access at that point. I paid {$25.00} for this service and received a " Bait '' and " Switch '' fraudulent transaction. 

I asked the company for my money back and filed a report with the Attorney General 's office. Since there is no other provider of these services in PA and no Competition the business is not motivated to follow proper and legal business procedures. and practices.

I think the State of Pennsylvania and its customers in fingerprinting services need to demand a new vendor for these services in PA, and Contact the Department of Justice with a formal complaint. I would like to see an established legal firm pursue a class action suit against XXXX and Bank of America. 

Additionally, I contacted my Bank -- Bank of America and filed a claim. Claim number XXXX. The Bank of America is in Anti-Trust violation/collusion with XXXX and the State of Pennsylvania. Bank of America 's contact number for claims is XXXX I am a XXXX, XXXX, and XXXX woman on a fixed income, who was the wife of a XXXX XXXX XXXX Veteran. We served XXXX  years with the XXXX XXXX.
Product: Debt collection

I am writing to formally report what I believe to be a fraudulent debt collection scam involving a company calling itself " Unifin. '' Over the past XX/XX/year> and XXXXXXXX XXXX XXXX, I have been receiving unsolicited text messages from a company claiming to be a debt collector. 
They allege that I have an outstanding debt of {$9400.00} and include links within the messages, directing me to click on them if this is a mistake. I regularly monitor my credit reports through XXXX and receive yearly reports from all major credit bureaus. I have never seen any mention of such a debt, nor do I have any financial obligations of this nature. Additionally, I have never received any formal debt collection notice in writing, which I understand is required by law. I believe that this company may be attempting to scam me by acquiring personal information through these text messages and links. I have not clicked on any of the links provided, nor have I responded to the messages. I would appreciate your assistance in investigating this company and their practices. Below is the contact information from the messages I received : Company Name : Unifin ( according to the text messages ) Alleged Debt : {$9400.00}. Account/Order/Tracking number : Ref # XXXX Unsolicited text messages with links to click provided in the message : https : XXXXXXXX with a link to self service portal XXXX XXXX XXXX XXXX  The text is coming from # XXXX and in the message asking to call XXXX Thank you for your attention to this matter. I look forward to hearing from you regarding any actions or follow-ups that may be taken.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$210.00} / XX/XX/XXXX XXXX XXXX / {$750.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$240.00} / XX/XX/XXXX XXXX XXXX  XXXX / {$260.00} / XX/XX/XXXX XXXX XXXX XXXX/ {$9500.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX  / {$84.00} / XX/XX/XXXX XXXX XXXX / {$74.00} / XX/XX/XXXX XXXX / {$460.00} / XX/XX/XXXX XXXX  / {$280.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I have been trying to pay more on the payment each month and FCC Finance is stealing my money and applying more to their interest instead of my principle. I've tried to reach out and work this out with FCC Finance and question why they are taking more than their interest of 15.99 %. This was in XXXX, XXXX, XXXX, and XX/XX/2021. They make me call them and have them reapply any over payments I make to be applied to principle and not their interest. They would not answer me as to why they are taking more than the agreement of 15.99 %. I have emails that I've sent and never get a proper answer. they are fraud back and stealing money. I've tried to go to the XXXX and got nowhere with this except a letter from 2 of their attorneys that wouldn't answer my questions of misapplying and stealing more from me. I want this resolved. I'm trying to get a loan to pay them off and transfer the amount over to a real bank. Please help fix what these criminals are doing.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an allege collection account ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX the account has no other information listed for the debt collection company for me to dispute this information so how is Equifax verifying such information without knowing the owner of the account. Equifax is also the only company reporting this allege collection.
Product: Checking or savings account

A fraudulent charge, of {$83.00}, was made on XX/XX/2022, from my checking account by the merchant name " XXXX XXXX XXXX XXXX XXXX, XXXX. '' It also charged an international transaction fee of {$0.00}, as my bank account is Allybank in the U.S. 
As I have never had any kind of relationship with the merchant, it is apparently a fraudulent charge by the merchant or transaction made by a scammer using my account information. 
Ally bank initially credited provisional money {$83.00} for the fraudulent transaction. However, Allybank ruled in favor of the scammer on XX/XX/2022 and took the provisional money back from my account. 

I called multiple times to request the evidence they used to make the decision, however, they continuously told us to wait until they called back, and failed to present the evidence they used to make a final decision. 

Ally bank made an unjust and irrational decision, and owes me {$83.00}, and it has caused my account balance to drop to below {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an update to the balances on my credit report regarding the following accounts, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under this law, I have the right to ensure that all information included in my credit report is accurate and up-to-date. 

Details of the Accounts in Question : Creditor Name : XXXX  Account Number:XXXX Current Reported Balance:XXXX Correct Balance : XXXX  I have reviewed my credit report and discovered that the balances for these accounts are incorrect. Please conduct an investigation as required under the FCRA and update the balances to reflect the accurate amounts. I have enclosed supporting documentation, including [ e.g., recent statements or payment receipts ], which confirm the correct account balances. 

According to the FCRA, you are required to investigate my dispute and update or remove any inaccurate information within 30 days of receiving this letter. If your investigation reveals that these balances are incorrect, please provide me with a corrected copy of my credit report. 

Please send me written confirmation that these updates have been made, or inform me of any action you intend to take. I appreciate your attention to this matter and look forward to your prompt resolution.
Product: Mortgage

I submitted a full package to my lender in hopes for assistance in keeping my home. I was informed that there was not enough time to review my file as they required 37 days. The documents were submitted on XXXX XXXX, 2016 and my foreclosure sale is on XXXX XXXX, 2016. Accordingly to homeowner bill of rights I have the right and options to avoid foreclosure yet I feel it is not being provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reported all to the ftc and transfusion, XXXX, XXXX