23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There were many disputes unanswered with My Bank PNC and my job at XXXX .. A portal at XXXX  made without my consent a compensation change and payment election were chosen, after that I had nothing but problems I did not even know my routing number changed when BBVA was changed over to PNC XXXX A account by the name of XXXX XXXX with a different routing number was being used. Loan payments sent through my account for private banking XXXX which I never initiated, shares from my credit union at the time were bargained with. Which I was unaware of. My email was hacked as well as my telephone. I went to address these issues numerous times only to be dumb downd by the bank executives.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 30 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress caused on me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one ( 1 ) account that should have aged off of my credit report that is not only not aging off, but is being reported in duplicate ( 50k as opposed to XXXX ) on my credit report. 

I have contacted and informed both the company that is supplying this erroneous, damaging information ( XXXX ) and the credit reporting agencies XXXX and TransUnion with no success. I have sent documents to include XXXX 's and first report dates that validate my position that the information should have aged off and that the amount was for XXXX and not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Truist ( loan company ) failed in any type of communication to me regarding my loan. Especially when the recurring payment stopped going through I was never notified. No notices were received about any payment status at any point since XX/XX/XXXX and it wasn't until XX/XX/XXXX that I saw an impact on my credit report and investigated. They've waived all penalties on the late payments and have agreed to send all future notifications in all available methods including mail, phone, and email so this never happens again. I do not believe XXXX investigated the issue properly in the two days since I sent a dispute argument and has not fixed the bad mark on my credit report. I sincerely believe both organizations require further investigation on their process and failure to properly handle their customers.
Product: Debt collection

I keep receiving voicemails where they leave no company name, or call back. They are asking for my XXXX year old son. Upon calling back they state it is Transworld Systems the number is different each time. They will not give me information unless I give them my sons name. I refuse to do so. Since they first contacted me it will be 5 days tomorrow i have never received anything in the mail. My son is under my insurance i provided them my name and said to search by my phone number. They refused and cant look by phone number even though they keep calling this number. Also I said my name is and told them. They did not ask for spelling, or anything to search my name. My son is XXXX months old and under my insurance if it is a legit medical bill it should be addressed to me not calling  harassing my almost XXXX year old. 

They have called on XXXX XX/XX/2020 at XXXX and again on XX/XX/2020 XXXX. Both voicemails say their name and ask if ( my son by name ) is available. They never say a company they are calling from. The first number is registered to a women in XXXX when i searched it. If there was a medical bill under myself it would show on my credit. All our doctors bills go to XXXX XXXX I have never heard of this company. They are starting to harass my phone asking for my almost XXXX year old with not a single trace of paper in the mail validating this claim.
Product: Credit card or prepaid card

The due date for my credit card was due on XX/XX/2020. I made a payment in the amount of {$200.00} ON the due date of XX/XX/2020. It was withdrawn from my bank account already. Synchrony Bank, however, is charging a {$50.00} late fee saying the payment was late even though it was made on the due date. The company stated that it take several days to update in their system and I was charged a late fee. However, that is false since I have confirmation the payment posted on XX/XX/XXXX. This company is just scamming people out of money.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a fraud text from my bank for a charge of {$37.00} on my credit card and was provided a fictional PayPal number and the name of a business, XXXX XXXX XXXX. The number provided was XXXX. I called and was asked to verify my last XXXX ssn which I lied about and was put through to an operator. I refused to give her any other information and just wanted details about the company. When she wouldnt provide any, I told her I would block the charge and delete my PayPal account.
Product: Checking or savings account

On Saturday XX/XX/22 I was notified I had overdrafted. I looked at my account and a check had been cashed for {$5000.00} and in the memo it read " car sale ''. I was very upset so I went to a local Citizens Bank and told the teller what was going on and was told that they had no time to see me, and she sent me to another branch. This upset me further but I went to another branch. The teller began saying they had no time to see me at this location as well, despite telling her a large check was cashed and it was not me who wrote said check. She told me to come back in 45 mins. I returned and dealt with the same XXXX I dealt with on XX/XX/22 when my debit card was compromised. I explained I did not write this check as I have never had a check book, and asked why I wasn't notified about such a large amount of money being withdrawn. I was told the bank can not notify every person whenever a check is cashed. The bank did not mention/offer a provisional credit and actually had me withdraw my own money to get through until I spoke to the police. At this time the fraud department ( who I could not get through to at all during the morning ) had the complaint and was beginning their investigation, so the bank XXXX told me to come back on Monday XX/XX/XXXX at XXXX. I returned this morning and asked several questions 1. How did this check get cashed when they have on record I have NEVER written a check OR ordered checks from them.

2. I was in the bank not 2 weeks earlier reporting a fraudulent attempt on my debit card, at which point I was issued a new one. So why wasn't my account flagged as it was reported by me to the bank XXXX that my information was attempting to be stolen. 
3. My car payment was taken out the same day I supposedly was spending {$5000.00} on a " car sale '' as the memo read. And this went unnoticed within THE SAME BANKING INSTITUTION! 
4. The {$5000.00} check was deposited on XX/XX/22 and sat for 3 days waiting for approval to go through, and I was NEVER NOTIFIED! 
5. The check and signature are CLEARLY not written in my hand writing. 6. I do not overdraft often, why didn't anyone notice that this check was for {$5000.00} and I only had {$300.00} in my accoun
t. 
I have had to take {$1500.00} of my own money to use while this is being investigated and was told by the XXXX today that this shouldn't have ever happened due to all the reasons listed above. 
Nothing was done by Citizens Bank to prevent this money from being stolen. I asked why there is a fraud dept and why I'm giving them my money/business to protect my money, when not ONE SINGLE PRECAUTION was taken to stop this check from being cashed.
Product: Debt collection

I would like to know wheres the documentation of my signature saying I authorized this payment. I do not have any knowledge of opening this account let alone having a debt collection
Product: Credit reporting, credit repair services, or other personal consumer reports

i have few thing on report that where done in my name ..i had nothing to go on but put them in my bankruptcy but they still appear it the only thing i knew how to do so after bankruptcy i still see them on report so i tried to dispute but no luck there and i been watching XXXX  and got your contact so im asking please can you help me as well as inquiries that where not mine..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters off on XX/XX/2022. Here are my tracking numbers ( XXXX ) : XXXX. Tracking number ( Equifax ) : XXXX. Tracking number ( XXXX ) : XXXX. I want to remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is to share my information to third parties. 

These are clear violations of my federally protected consumer rights.
Product: Debt collection

Lvnv resurgent. Has been harassing me by text calls mail for someone elses debt. I never signed a contract with lvnv or resurgent I do not owe them nothing. They do not have a westvirgina business license but are trying to practice in westvirgina violation by law and fcra they have multiple violations per our attorney and fcra. Credit bureau the debt which was bought from a pool of bad debts is not mine never had a account with lvnv or resurgent and never heard of this debt or XXXX XXXX XXXX I demand they remove all negative reports from my credit report now. And have not sent proper validation as I requested by my attorney multiple times they are harassing me and texting me. Calling me multiple times. Delete this from my credit report immediately
Product: Mortgage

We purchased this home, newly built, in XX/XX/XXXX, for {$170000.00}. 
We refinanced in XX/XX/XXXX to pay for some emergency medical expenses for my husband and my mothers funeral, bringing the loan up to {$210000.00}. 

On XX/XX/XXXX, my husband and I refinanced our home through XXXX XXXX XXXX/ XXXX XXXX XXXX. We borrowed another {$30000.00} for some landscaping investment and to pay off some debt. Refinance loans were being offered all over at that time, and unfortunately we bought into the hype. We actually never received any paperwork or documents on this loan, only a check and a place to submit our payments. We were both working full time and had some serious debt to take care of so put off the inquiries into the paperwork " for a later time ''. 
About a year later, XXXX sold our loan to XXXX XXXX XXXX. It was then that we were informed that our loan was now for {$300000.00}. We were shocked. The amount owed before the refi with XXXX XXXX XXXX was {$210000.00}. We only borrowed {$30000.00} against the equity. If the loan company added even another {$30000.00} for fees or whatever, our loan would still be under {$280000.00}! We inquired, and inquired, and inquired, and were never given the original loan docs ( apparently they were lost ), and I am still asking. 
In XX/XX/XXXX, we were forced to obtain a modification on the loan because the monthly payment had gone up to $ XXXX/mo which we simply could not continue to afford. We had been paying this for 6 years. That is almost XXXX. More than what the original loan for the house was. And still had no answers as to why the loan was XXXX ... We applied for and qualified for a HARP modification at that time. By this time, my husband was ill and in need of XXXX XXXX XXXX. His XXXX was in XX/XX/XXXX. He suffered horribly for the next 8 months and finally succumbed on XX/XX/XXXX. In the meantime I have been paying and paying on the modification. Even though I have never seen the original loan documents I had signed with " XXXX XXXX XXXX  '' in XX/XX/XXXX ... I have brought the {$300000.00} balance down to {$270000.00} with a lot of sacrifice and hard work. 
Select Portfolio Servicing, now called Specialized Loan Servicing are the collection agents for this loan. In XX/XX/XXXX, I was notified by SLS that my monthly payment was going up to $ XXXX/mo, which as a retired widow, I could not possibly afford. My daughter and son-in-law have been helping me with the payment since XX/XX/XXXX. I applied for and received a new loan modification, but it is unbelievable! I am now to pay $ XXXX/mo for 36 years! That is over {$500000.00} for the life of the loan. AND at the end they want a balloon payment of {$180000.00}!! This is insane!!! I have already paid more that what I should have for this loan, and for the house and property! Now it is like I am starting all over again!! How can they get away with this? Who regulates these thieves?? What can I do? Can you help me? 
Sincerely, and tearfully, Thank you for any help you can give me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX XXXX -cell
Product: Checking or savings account

onXX/XX/2023, i noticed XXXX  transactions for a total of {$1700.00} dollars total i notified XXXXXXXX and the account was opened in new jersey with my personal information and my debit card and credit card was stolen. a incorrect email thats not mine ( XXXX ) which XXXX confirmed the account was already suspended due to suspicious activity, i told them i didnt want the account suspended but deleted they agreed to do so. I got in contact with navy federal credit union, on XX/XX/XXXX and reported it as fraud a to the bank the bank came back and said that there was no error in anything but yet the cards were stolen so XXXX XXXX theres not going to be a error when the person has your cards in person. i appealed the decision and they came back so i called the number as on the letter got a supervisor and she accused me of being a crook but yet wouldnt provide the evidence against me as theyre not required too and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will not refund it because the banks been made aware, and the bank is saying XXXX is liable as they were made aware of the fraud. XXXX and the bank are both XXXX XXXX  and ive made both aware of legal action for the negligence of the protection, XXXX  shouldve blocked the transaction as it was XXXX deposited in 5 transaction in less than 30 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies Involved : XXXX Credit Card I have kohls credit card and in XXXX they informed me my payment is pending as they are unable to use autopay for some of their technical reason. I paid the remaining amount ( ~ {$100.00} ) as soon as I got the information. During this time, the company never send me a mail or email regarding this payment. But they informed the credit bureau of this. I was told during payment that this will not be reported and if reported will be corrected. 

Now I can still see the amount as pending on credit report. Because of that my credit score got lower and I have to pay XXXXs of dollars extra in interest payment. I always keep this autopay enabled for my credit card.

I have never missed a payment to any CC in last 10 years. This one payment is spoiling my credit report and which is impacing and harrassing me.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account My social security number has been compromised from the social security breach that occured in 2024 access to the XXXX XXXX XXXX XXXX. 

Thank you for your prompt attention to this matter. Please feel free to contact me at XXXX or XXXX if futher information is required.
Product: Checking or savings account

I called JP Morgan chase bank to close my sapphire bank and account including my other accounts yesterday XX/XX/2019 and XX/XX/2919,  reasons for this because there customer service is terrible and disrespectful, not being understanding with me considering my age and health issues. because due to my health condition I want out of this terrible non understanding bank.
Product: Checking or savings account

on XX/XX/23 I received an email to earn {$300.00} for opening up a Chase Business Complete checking account. The fine print stated i need to have qualifying activities which included opening and having a minimum balance, complete 5 qualifying transactions within 90 days. When i sent to the branch on XX/XX/23 to ask about the {$300.00} dollars i was told that i did not qualify for the 5 transactions because my monthly deposits were made at the branch and not electronically. I told them that my checks are around $ XXXX a month and their onlline banking quick deposit did not allow for that large of an electronic deposit, so Chase gave me no choice but to deposit the check at the branch. Because i was not told up front of the online restriction, I did not qualify for the {$300.00} incentive. I asked the bank teller why there is no documentation that says due to online restrictions for max deposit amounts, you will not be able to use the online quick deposit and therefor coming into the branch for large deposits will not qualify. I completed 3 transactions, and if I would have had this information, I would have used my debit card two more times to qualify. This to me is false advertising and misleading to the customer.
Product: Credit card or prepaid card

I have a loan with XXXX/TD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX/TD with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I was told by credit acceptance that my auto loan didn't report on my credit due to a dispute they received from Experian on XX/XX/2022 in allegations of fraud which has not been proven legally be either parties and by law credit acceptance is legally required to report my paid in full auto loan on my report
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes requesting to remove negative items and provided proof, however, the documents were ignored and items remained on report. 

XXXX ( XXXX ) Incorrect reporting for derogatory marks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Transunion ( XXXX ) Incorrect Reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  ( XXXX ) Incorrect reporting : XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ) Incorrect reporting : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Checking or savings account

I started using XXXX to get a sugar daddy to help pay for financial problems i have already been having. I got in touch with one guy. I cant find his usertag anymore. But I do have the phone number hes been using to communicate with me. He transferred {$8000.00} into my account on XX/XX/2018. Asked me to send {$3500.00} to one of his other sugar babies, then {$3000.00} toanother. I thought nothing of it. The remaining {$1500.00} was to be for me. However the check bounced after it went through and now Im unable to access my account. Including my own paychecks. My bank is Navy Federal. Im unsure what to do ...
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the 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 process 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 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account number for XXXX XXXX XXXX ( Account # : XXXX ) has incorrect late payment records. The three credit bureaus have reported different past due statuses for the same account and the same time period. This discrepancy in reporting is causing confusion and inaccuracies in my credit report