23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

ME AND MY HUSBAND APPLIED FOR A XXXX FIRST TIME HOME OWNER LOAN I ATTENDENDED THE FIRST TIME HOME OWNER CLASS AND TURNED IN ALL OF THE REQUESTED DOCUMENTS TO THE LOAN OFFICER XXXX XXXX ( NMLS # XXXX ) AT XXXX XXXX EXT.XXXX.THE FIRST TIME SPEAKING WITH XXXX SHE ONLY ASKED FOR BOTH ME AND MY HUSBANDS XXXX FOR THE PAST 2YRS AND PAY STUBS AND DIRECT DEPOSIT AND BANK STATEMNTS FOR THE PAST TWO MONTHS. AFTER GIVING HER THESE ITEMS WE RECEIVED DOCUMENTS IN THE MAIL THAT STATED THAT BOTH OF OUR CREDIT SCORES WHERE ABOVE THE REQUIRED AMOUNT AND A COPY OF AN INCOMPLETE LOAN APPLICATION THAT WE WERE REQUESTED TO SIGN AND FAX BACK. THEN I RECIVED A EMAIL STATING THAT OUR LOAN WAS PENDING DECLINE FOR NOT TURNING IN ALL OF THE DOCUMENTS WHEN WE TURNED IN EVERYTHING THAT WAS REQUESTED BY THE LOAN OFFICER. SO I CALLED XXXX AND ASKED HER WHAT WAS GOING ON BECAUSE WE GAVE HER EVRYTHING SHE ASKED FOR AND SHE STATED THAT SHE DIDNT KNOW THAT WE HAD TO TURN IN ANYTHING ELSE. SO THEN SHE SENDS ME A EMAIL OF THE OTHER DOCUMENTS NEEDED SO I ASK HER HOW LONG DO I HAVE TO TURN THEM IN AND SHE TELLS ME BY FRIDAY SO I HAD 5 DAYS AFTER GATHERING ALL OF THE INFORMATION I HAD 3 DAYS LEFT XXXX EMAILS ME STATING THAT SHE ALSO NEEDS ME TO HAVE A ADDITIONAL {$2500.00} MORE DALLORS IN THE BANK FOR A DOWN PAYMENT WHEN SHE ONLY ASKED FOR {$2000.00} AT FIRST SO I WAS SUPOSE TO COME UP WITH THAT AMOUNT OF MONEY IN 3 DAYS. I EMAILED HER ASKING HOW CAN SHE GIVE ME A SPECIFIC AMOUNT OF MONEY I NEED FOR A DOWN PAYMENT WHEN SHE HASNT EVEN TOLD ME HOW MUCH I WAS APPROVED TO GET.NEEDLESS TO SAY XXXX WAS UPSET ABOUT ALL OF MY QUESTIONING AND DECIDED NOT TO ANSWER MY PHONE CALL IWAS TOLD THAT I HAD UNTIL FRIDAY AND SHE HAD SOMEONE ELSE CALL ME TODAY TO TELL ME THAT MY LOAN WAS DENIED BECAUSE OF MY CREDIT HISTORY NOT BEING SEASONED ENOUGH WHEN I KNOW THATS NOT THE CASE BECAUSE BOTH ME AND MY HUSBAND HAVE BEEN RESIDING IN THE SAME RESIDENCE FOR THE PAST 8YRS AND HAVE LIGHT WATER CABLE INTERNET AND HOMPHONE AT THIS RESIDENCE FOR THE ENTIRE 8YRS BOTH ME AND MY HUSBAND HAVE XXXX CREDIT CARD WHICH HAVE XXXX BALANCE ON THEM THAT WE USE TO PAY OUR UTILITY BILL MY HUSBAND HAS A GOOD PAYING JOB WERE HE MAKES AT LEAST $ XXXX WITH OUT ALL THE OVERTIME HE DOES I WORK XXXX IN THE SAME CAREAR AS A XXXX FOR THE PAST 6YRS BOTH OF OUR CARS ARE PAYED FOR WE PAY OUR INSURANCE AND ALL OF OUR BILLS ON TIME.SHE TOLD US THEY WOULD NOT ACCEPT OUR RENT RECIPTS SO WE HAD TO CONTACT OUR XXXX WHOM JUST PURCHASED OUR HOME BUT STILL HAS ALL THE DOCUMENTS THAT SHOWS OUR LEASE AGREEMENT AND THE LENGHT OF STAY AT THIS RESIDENCE ALONG WITH IF WE ARE GOOD TENENTS AND PAY ON TIME TO FAX OVER A HEADLETTER IN PLACE OF THE RENT RECIPTS. THE WOMEN NAMED XXXX XXXX THAT CALLED ME TODAY SAYED THE REASON WE WERE DENIED WAS BECAUSE OUR CREDIT HISTORY WASNT SEASONED ENOUGH THAT DIDNT MAKE SINCE TO ME AND I TOLD HER THAT SHE SAYED MAYBE I SHOULD TRY AGAIN AT A LATTER DATE AND I TOLD HER I WONT BE TRYING WITH CITI BANK AGAIN.
Product: Credit reporting or other personal consumer reports

I am unable to access my online account. I have been a victim of identity theft. I have a " split file '' with Equifax and this needs to be fixed so I can manage my online account. I have tried to reach out to Equifax but they do not help.
Product: Debt collection

affrm.inc has debt collection on my credit it was fraud my debt amount at XXXX and hey not do the right thing to do clarify it was me
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX  XXXX Balance : {$990.00} XXXX  XXXX Balance : {$1300.00} XXXX  XXXX Balance : {$760.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$3300.00} XXXX XX/XX/2023
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. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX 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 XXXX 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 XXXX. 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 XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXXXXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I'm a victim of ID Theft. Please remove the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter t o Barclays o n  XXXX   XXXX ,  2017  about an unauthorized inquiry on my   XXXX   credit report from their company. I asked them to remove the inquiry, and to forward any documents that showed I agreed to apply for their credit. They replied with a letter, dated  XXXX   XXXX ,  2017 , saying the inquiry was valid. I did not apply for their credit and I suspect this is a result of fraud. They also failed to send any documents to verify the results of their investigation.
Product: Vehicle loan or lease

I cosigned the loan for a certified preowned XXXX XXXXXXXX. My XXXX could not continue with the payments because of a safety recall or service campaign that was declined due to the manufacturer stating that they were not obligated to inform a second owner of a recall and the prerequisite recall was not addressed. Fifth Third Bank reposessed the car instead of trying to support us with the issue. They then added additional fees and when I called to ask why the additional moneys were owed, the representative just told me that they could not know ahead of time what fees would accumulate. They added about a XXXXXXXX XXXX more to the car note amount owed. I finally worked hard to pay it off and picked the car up from the impound lot. I paid it off and also had to pay my mechanic {$2000.00} to look at it. He tried his best and repaired the engine. by this time it cost me about {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This medical debit that is not mine.this debit was paid off by the hospital back in 2015 .i will not pay for a debit that mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report shows late payments when the accou t does not picture to follow XXXX no bill is showing due and it's showing one loan not four
Product: Credit card

Hello. I received an email from Synchrony regarding my credit card statements for my At Home Insider Perks Mastercard. The email states that starting in XXXX of 2024 they will be charging me a {$1.00} fee to receive paper statements. The only way to avoid the fee is to change to paperless statements. I understand the desire to go paperless however every time I try to access my account information via the At Home app it never works. I get the login page and then it just spins and spins so I can not get to my account information. So I have chosen to keep getting the paper statement. If their app worked as it was supposed to I might choose to go paperless however I still don't feel it is acceptable to charge a fee for choosing to receive your statements on paper. For others who may not have internet or may not be able to use computers or technology very well this could be a major issue and to charge a fee for this seems wrong. 
I have attached a copy of the email I received. 

Thank you very much for your time and consideration.
Product: Mortgage

My mortgage company ( LoanCare , LLC ) has not paid my county taxes through my escrow account for the year XXXX. They always handle this and I was not aware it wasn't paid until I received a delinquent tax notice with accrued interest and late penalty. As of today XX/XX/XXXX they still have not paid the county taxes. I reached out to the mortgage company on XX/XX/XXXX as soon as I received the tax notice. I was able to get someone on the phone and I was informed to send them a message with a picture of the tax notice. She assured me that it would be handled if I did this. I immediately followed through and sent " LoanCare , LLC '' the message with the tax notice. Since then I have tried, on many occasions, to contact customer service, but no matter what I do I am not able to get anyone on the phone. I also sent them another message on XX/XX/XXXX and informed them that I would seek further action if nothing was done. The principal balance due is {$1000.00}. The late penalty is {$100.00} and the accrued interest is {$38.00}. I am not sure what else to do at this point other than hire an attorney. Thanks
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution procer was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 225K financial loss, and I seek appropriate redress
Product: Debt collection

Hello and Happy Sunday! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my  signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit card

Since XXXX, there have been multiple unauthorized transactions made using my credit card through a Klarna account I did not create or authorize. The fraudulent account appears to be associated with the email address XXXX, which is not my email address. 

The unauthorized charges total {$3600.00}, with transactions occurring on the following dates and amounts ( a full list is attached in the PDF provided ) : Examples : XX/XX/XXXX : {$120.00} XX/XX/XXXX : {$63.00} XX/XX/XXXX : {$25.00} XXXX contacted my credit card company, which advised me to address the matter with Klarna directly. Since then, I have contacted Klarna four to five times, providing all relevant details, including transaction dates and amounts. Klarna has repeatedly told me that the issue would be " escalated, '' but no action has been taken, and I have not received any updates or a refund for these unauthorized charges.

I am requesting the following resolutions : Immediate cancellation of the fraudulent Klarna account. 
A refund of the unauthorized charges totaling {$3600.00}. 
Confirmation from Klarna that the issue has been resolved. 
Despite my efforts to resolve this matter directly with Klarna, no progress has been made, and the lack of communication and follow-through has caused significant frustration and financial harm. 

Thank you for your assistance in addressing this issue.
Product: Mortgage

I had a second mortgage with LoanCare of VA. In XXXX XXXX I made my normal payment at the beginning of XXXX. Then at the end of XXXX I made my payment for XXXX XXXX. Then about four months later I started getting late notices. LoanCare had counted my XXXX XXXX and XXXX XXXX payment as one XXXX payment. I called and they fixed the issue and removed the late fee. They assured my at the time that their error would not so up on my credit report. It showed up on my credit report anyway as a late. The account was never late. I have complained numerous times to them and the credit bureaus but they refuse to fix their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Balance : {$9200.00} Highest Balance : {$9200.00} Opened XX/XX/XXXX ( 1yr, 2mos ) Account status : Open Type -- Responsibility Individual Remarks -- Original Creditor Name : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Minimum monthly payment $ XXXXOpenedXX/XX/XXXX ( 3 yrs, 3 mos ) Account Details Account status : Closed Type Credit Card Responsibility Individual Remarks Account closed by credit grantor Closed XX/XX/XXXX Minimum monthly payment XXXX XXXXOpenedXX/XX/XXXX ( 1 yr, 8 mos ) Payment History Youve made 70 % of payments for this account on time. 

XXXX Current Current 30-59 Days Late 60-89 Days Late 90-119 Days Late Current Current Current Current Current Current 30-59 Days Late XXXX Current Current Current Current Current 30-59 Days Late 60-89 Days Late Last paymentXX/XX/XXXXCurrent Payment StatusCurrentAmount past due $ XXXXWorst Payment StatusNo Info Account Details Account statusClosedTypeCharge AccountResponsibilityIndividualRemarksAccount closed by credit grantorTimes 30/60/90 days late3/2/1ClosedXX/XX/XXXX SEE AN ERROR? 

You could dispute an error with XXXX. 
GO TO XXXX Creditor Information XXXX/XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Checking or savings account

They closed my account for no reason and are now are not trying give me my funds remaining in the account. it has been XXXX weeks since my account has been in the process of being closed and they keep giving me excuses to not give me my money remains in the account.
Product: Consumer Loan

The information given to me when I originally was offered the loan, that I would be charged {$100.00} finance fee with a {$300.00} loan. The information was misleading and I have been charged {$100.00} for the past four months and nothing has gone to the initial balance. When you log onto your account, they do not show your payment history or balance owed. I had to call and talk to XXXX different people before I got a straight answer. Now they are offering me to settle my account but still pay way over the amount I originally was led to believe. I requested to get written documentation of the original agreement and was sent a spreadsheet of interest fees that did n't match up to my loan and had no account number or name included.
Product: Credit card

I bought a Netspend credit card and deposited over {$2000.00} on the card to buy a vehicle the employees all XXXX XXXX deactivated my card are will not allow me to access the funds. They claim possible fraud is at play I think they simply stole my money
Product: Checking or savings account

On XX/XX/2018 I checked my bank account balance to see what had posted for that day. I was negative {$130.00}. Due to my dog having XXXX and health issues, i had not deposited my checks into the bank as I normally would have. I deposited a same day check, XX/XX/XXXX for {$150.00} that would cover all of the transactions for that day without aquiring a fee. I took photos at ( XXXX ) of the balance, transactions and of the deposit for proof that I had covered the negative amount. According to Bank of America the business day ends at XXXX. 
On XX/XX/XXXX at XXXX in the XXXX  I received an alert that my bank account had insuffcient funds. I went online to see what happened and a check ( # XXXX ) in the amount of {$71.00} posted XX/XX/XXXX, cleared XX/XX/XXXX. 
I immediately called the bank and I was told that one of the pending transactions on XX/XX/XXXX had bounced from this check ( # XXXX ) being completed on XX/XX/XXXX. I repeatedly explained that the check was nowhere to be found on my list of transactions on XX/XX/XXXX and if it had cleared on XX/XX/XXXX why wasn't it on my list of transactions for that day? I called 3 times and even stopped at a branch to show my photos as proof of the transaction not posting XX/XX/XXXX just to be told a XXXX transaction had bounced due to the negative amount for XX/XX/XXXX. I said I could understand that if on my end, all of the transactions were available to see. I was also told the check could have cleared anytime in the middle or the night and that it was my responsibilty to have the money in the account. TRUE if it would have been posted on my list of transaction for XXXX XXXX. I would have made sure to deposit my other check in the bank that was at home. But it was NOT on my list of transactions for XX/XX/XXXX nor was it included in the negative balance. After countless calls and even stopping at a branch, they refused to remove the fee. 
How can a bank charge you a fee for a transaction that is not even listed in your transactions as one that was completed for that same day?? It actually showed up on XX/XX/XXXX as a transaction that had cleared in XX/XX/XXXX. HOW??? 
I took picturea due to this happening in the past and after this is situated I will be closing my account at Bank Of America. I was contemplating it anyway due to their new monthly fees. I am a low income person so I have to pay a fee to have an account. Ridiculous and now they can charge fees for ghost transactions that appear online the next day. This should be fraud and illegal. They think they can take money out whenever they want and not post it for you to see? WRONG VERY WRONG!!! I have been a customer for many many years and I hope {$35.00} was worth it to them. They are crooks!!!
Product: Credit card or prepaid card

We had an XXXX credit card through XXXX. It was a good experience. The XXXX cards were all moved to Barclays. Barclays practices and customer service are unacceptable. I had to call them three times - each time the wait was over 90 minutes. I was told we would not get a bill from Barclays before the first payment was due ( this seems to be a deliberate attempt to increase chance of late payment fees and higher interest charges ). I tried to set up an online account to pay the card, but I continue to get this error message " We're sorry, but for security reasons online access to your account is unavailable. Please contact Customer Service at XXXX. '' When I called that number, they did not even ask what my question was, but just told me that I called the wrong number and put me in the hold pattern again. Then, after 95 minutes on hold, they just dropped the call. This is terrible service and those who do not jump through extra steps will get extra charges. Most of XXXX members are older and this seems to be a targeted attempt to take advantage of them/us. I did call XXXX to share my experience. I am not asking for any action on my account. I will cancel the card after I can figure out how to pay the transferred balance. We do not want to be held accountable for any charges that are incurred because of their business practices. I think Barclays should be held accountable for these business practices, and other consumers should be aware. Thanks for your time.