23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have noticed that the XXXX XXXX XXXXXXXX account, which was previously deleted from my credit report, has been reinserted without following the required legal procedures. You failed to provide written notice of the reinsertion within 5 business days and did not certify the accuracy and proper validation of the account. As per 15 U.S.C. 1681i ( a ), reinvestigations must be completed within 30 days, and any inaccurate or unverifiable information must be removed immediately. I demand the immediate removal of this item, or I will consider legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both Transunion and XXXX  are reporting incorrectly that my credit utilization is 54 %. It has never been over 10 %, a fact confirmed by the sole creditor on my record. 

TransUnion refused to help me, with their agents repeatedly telling me that they couldn't do anything and that it was my fault because they don't make mistakes. I spoke to the supervisor, a man named " XXXX '', who again blamed me and my bank and told me they wouldn't help me. When I mentioned that the FCRA requires them to fix inaccurate information in a timely manner, he hung up on me. 

I have been unable to contact XXXX, despite several phone calls. They have also refused to remove a hard inquiry, that never happened from my record. XXXX XXXX XXXX XXXX  has verified that the inquiry never happened and is falsified. It also never appeared on the TransUnion report, because it never occurred in the first place. 

My creditor, XXXX  XXXX XXXX, has said it is on the reporting companies to correct their mistakes, as XXXX  has provided accurate information, of which I was provided a copy.
Product: Payday loan, title loan, personal loan, or advance loan

This loaner is charging a 699 % apr I was not aware and really needed the money at the time
Product: Checking or savings account

This is in regard to a XXXX transaction. I sent {$2500.00} to a " XXXX '' via XXXX on XX/XX/2022. As soon as I realized the mistake, I called BoA and was told by the agent I spoke with that they were able to reverse the transaction successfully, and that the money would be available in my account the next day, XXXX  XX/XX/2022. 

On XXXX, I saw that the money was still not available so I called again and was told not to worry that the money will surely be available on XXXX  the XXXX, as these transactions do not usually post on week ends. 

On XXXX  the money was still not available so i called again and asked to speak with a supervisor. I was still being told by another agent that it looked like the money would be back in my account the next day, on XX/XX/XXXX! On XXXX, I was finally able to speak with someone that handles XXXX transactions and was told I had been given the wrong information and that I would need to file a claim, which I did. I was told that the claim would take 10 business days but could take up to 45. I called several times during the 10 business days period, trying to figure out if there was any progress. On the 8th business, the agent I spoke with told me that they couldn't see any notes on this claim and it wasn't clear if the other bank had been reached yet.

On the 11th business day, I received the attached letter stating that " BoA isn't able to honor my claim because the transfer posted to the requested account according to the instructions provided ''. The letter does not state whether there was any attempt to contact the other bank at all. 

I'm also unsure if an actual investigation was done and confused as to why I was told by several agents that the {$2500.00} would be back in my account the next days. These calls are recorded so I'm sure there would be no issue finding the recordings. 

I'm not sure what my account history or details has to do with this XXXX claim, as stated in this letter. 
I would like to know the details on the said investigation that was supposedly completed, as this letter does not give any of that information. 
Thank you!
Product: Checking or savings account

Unauthorized transactions occurred on my account due to my wallet being stolen. Whoever made theses transactions had my ID, my PIN, and my signature which is also on my ID so they were more than capable of forging or using my card to make these transactions which totaled {$1300.00}. NONE of this was done by me and Bank of America baselessly claimed that I am responsible for this because " The charge was authorized by you or made by someone who has permission to use the card or account. '' I told them that these charges were not done by me and nobody has permission to use my card or account except for me. I can provide some kind of general proof of where I was on this date that theses charges occurred to help prove that they were not done by me as well.
Product: Money transfer, virtual currency, or money service

I have a Coinbase.com account where I have a XXXX bitcoin stored ( worth around {$13000.00} at the time I am writing this ) My account has been locked on XX/XX/XXXX when I tried to log in from XXXX. I was only on a visit that time, and I did n't know this would happen. 

It is mentioned in their article that '' your access will be restored once you log in from any non-prohibited region ''. I have done that but unfortunately, my access never restored. 

I have sent them several emails to Coinbase Support since XX/XX/XXXX to resolve the matter but they replied only once saying that they investigated the issue and working with a specialist to address it properly. And I have heard nothing since then, despite repeated follow-up attempts by me ( email correspondents attached ) Case # XXXX. 

I am a XXXX XXXX XXXX resident for many years now, working in a US based company as XXXX XXXX. I traveled to XXXX for a visit as it 's my origin country, though I am not related to any XXXX group and I am not using this funds in favor of any XXXX activities. Even -if I 'm not mistaken- that the US economic sanction has been lifted from XXXX. 

I attached copies of my XXXX Resident ID card, Driving License and XXXX XXXX as a proof.
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I got a text about my coinbase account, fely suspicios so I called coinbase and locked out my account.Since then I requested help to get back into my account from there support team.I have got responses that they would get in touch within 4-6 days yet nothing.They gave me a case number to refer to, I have wrote them approximately 20-25 times, yet have not received any help.Ive wrote them on coinbase, XXXX, XXXX, etc asking to please help as I have a large amount of money in the coinbase exchange.I contacted the sec which said I should also contact you guys.Not sure what I need to do in order to get a response and some help from coinbase.
Product: Credit card or prepaid card

Capital one has now twice ( just this year ) charged interest when they should not have. Both times were credited when I called to complain, but I am certain most people are not tracking their payments and charges as in depth as I do. For the month of XXXX, I had a statement balance of {$11000.00}. Throughout the statement period, I made 4 payments totaling {$11000.00}. I was then charged {$95.00} in interest for that month. I called and they did offer to credit my account, however no one seems to know why this continues to happen. I make well over 100 charges and payments throughout the course of the month and am meticulous about reviewing everything. If I did n't do that, I would n't have known that I was n't supposed to be charged. I feel there is more to this than just my two instances and people are being wrong charged.
Product: Checking or savings account

We have an XXXX XXXX with check writing. We wrote XXXX checks from XXXX to put in our UMB account to pay XXXX  XXXX and XXXX. XXXX had a system issue and returned the checks. Our account went negative at UMB and we were asked for a cashier 's check or if we put any other check in it would be held and other items could be returned. We were told UMB paid a small item, but not 2 larger items and charged the fees. We have overdraft protection in UMB and we got a cashiers check and made the account correct that day. We stil don't know if anything else will be returned. We were told there were no managers at UMB to speak to and the teller ( XXXX ) implied anyone could make a cashier 's check so they always verify them and especially since we had 2 returned checks. We are a XXXX. customer at UMB with an average XXXX balance and never been overddrawn like this. UMB was rude and can't seem to explain if the account is ok. 

XXXX corrected everything quickly, brought me the cashiers check and were stellar at customer service, we have only done business with them for 3 years. 

UMB fees will get reimbursed by XXXX but I don't want more items returned.
Product: Mortgage

Last year, my homeowners insurance increased by {$XXXX} per year. That apparently meant that my prior payment schedule and escrow withdrawal amount would no longer be sufficient and short by that {$XXXX}. The problem arose when US Bank then increased my monthly mortgage payment by a little more than {$XXXX} more! Why? Thats an increase of ove {$XXXX} per year over and in addition to my regular payment! They keep telling me that its because of my escrow shortage! They cant give me a reasonable explanation and I need this to be looked into, please. I dont understand how an escrow shortage of {$XXXX} entitles them to take {$XXXX} per year!
Product: Mortgage

To Whom It may concern, I XXXX XXXX XXXX, would like to formally complain about my mortgage servicer Flagstar Bank. I submitted my complete application for mortgage assistance about 5 months. I followed up today spoke to XXXX who he claims to be a supervisor immediately stated that the package was denied and never put into a review that is was probably a mistake that he will make a note in the system. I told him that theirs no time I have a sale date set for XX/XX/2018 and that for the last 5 months I've been bounced around given wrong information not just by rep but by managers such as XXXX, XXXX I can name a lot more. He then said that my case was handled wrong and that he was sorry but that my house will go for sale. I explain to him that I have a family and that we are going to be in the street but he did show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay. I don't understand why they would ignore my application all this time. My hardship was that I lost my job because they went out of business. I am currently back on my feet and ready to pay my mortgage all I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with no excuses. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. Please, please help me I do not wish to be thrown out on the street with my family it's very dangerous out there. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I had a credit card with XXXX XXXX in XXXX or XXXX. I was unable to keep paying every month. XXXX XXXX put the owed payment to a debit collector named Midland Credit Management LLC. I noticed that it was reported on my credit report, which I understood. Yesterday, XX/XX/XXXX I was served with court papers stating that they were suing me for the amount I owed which is {$790.00}. This morning XX/XX/XXXX I reached out to Midland Credit Management 's attorney who is handling the case and left a voicemail stating that The amount appeared on my credit already and I'm confused why am I being sued. I also said in the voicemail that I'm currently unemployed so I can set up a payment plan or something but I don't have the full amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

Received several unauthorized bank transactions from USAA Bank ( see attached ) from XXXX. I do not even know anyone in the military nor have I even heard of this bank so the transactions were not initiated by me. Essentially $ XXXX was stolen my life savings and I can no longer pay my mortgage. 
In investigating this bank online, I found other victims of these unauthorized bank transactions & stolen money. 
A claim is submitted to my bank & they are investigating on their end.
Product: Credit reporting or other personal consumer reports

The addresses on my report are not my address. I have never lived at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The Following Inquiries are not mine, I did not authorize nor receive any products from these companies : XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company XXXX & XXXX XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Mortgage

Specialized Loan Servicing is over-collecting for property taxes and they have misapplied our  XXXX  mortga ge payment. I have attached a letter providing all of the details.
Product: Credit reporting or other personal consumer reports

XXXX with XXXX XX/XX/XXXX. I'm always on time with payments and this would be considered my XXXX late payment with a new card that I applied for XX/XX/XXXX with XXXX. My original purchase was for {$2400.00} which I was understood that the {$99.00} annual fee was included. With this knowledge I paid off the balance in full for the {$2400.00} on XXXX. Apparently, XXXX sent out a statement then on XX/XX/XXXX with the separate charge of the {$99.00} annual fee and I never received the card in the mail nor the statement. I typically pay off balances as soon as I can and was under the impression my balance was paid in full. I learned on XX/XX/XXXX when I was applying ( and denied ) for a HELOC loan with XXXX  that I had a delinquency with XXXX. Being completely unaware, as I paid off my balance on XXXX and have not since used this card, I was in shock so I contacted XXXX immediately. They are helping me to resolve this and the issue has been escalated as well a written letter sent into to resolve. They were able to take off the late fees and interest charges and I paid the annual fee amount of the {$99.00} on XX/XX/XXXX as soon as they let me know this was not in my original purchase ( that I paid off ). I would like this to not impact my credit score as I've worked hard to get it where it is and this one mishap took it down over XXXX points. I hope someone is able to help me resolve this issue.
Product: Debt collection

I've already asked PORTFOLIO RECOVERY not to call several times stute of limitation account is from 2010 they been contacting me for 12 years
Product: Student loan

I have had to call Mohela Monthly in order for them to pull my loan payments. They have either not pulled the loan or have attempted to overcharge me. I have spoken to the supervisors several times with no resolution of the situation.
Product: Checking or savings account

I had my account closed by Chase without warning and since the federal policy requires banks to notify their clients of any warning related to a account closure, Chase unfortunately decided to act on bad faith and started the process without notifying me as required by law. I have tried everything, even as far as to visiting a branch and talking with the bank employees, who were overheard saying that they were about to get promoted just for helping a high income individual which definitely spells a violation of the federal law that says banks can not engage in favoritism when engaging in business. The bank has already told me that their decision is final, possibly motivated by a 9 year old report on XXXX I feel this was discrimination since they had no problem with me when I opened it almost a year ago. They started the process of closing my account unfairly and without any good reason on XX/XX/XXXX of this year.
Product: Debt collection

XX/XX/XXXX Notified of debt via USPS mail XX/XX/XXXX Contacted the office via mail for debt validation ( no response ) XX/XX/XXXX I contacted Mendelson and Mendelson and talked with XXXX ( ext XXXX ) who informed me that the debt was valid and I had to start making payments or I will be taken to court. She indicated to mail the payments, but I told her I do not recall that I owed the debt and I would like proof of such before making payments. I also asked how old was the debt since I could not remember owing. She indicated that they verified that the debt was valid through an internal process and that it will take a while for them to process my request for proof and that the age of the account did not matter because I can be sued at any time. However, while we wait, I must mail the payments or I will be immediately sued. She initially told me to mail money orders, but I requested portal access for documentation purposes XX/XX/XXXX - Requested update on debt validation ( no response ) XX/XX/XXXX, XX/XX/XXXX - Requested update on debt validation ( no response ) XX/XX/XXXX - Notification of lawsuit XX/XX/XXXX - Talked with XXXX at Mendelson and Mendelson and informed her of the lawsuit. She said the purpose was to ensure that I continue to make payments and that she could send me out a payment arrangement document to sign or a settlement form and the lawsuit would be over. I directly asked her was it a payment arrangement or a judgement. She then replied a judgement. I told her that I was not going to agree to anything without knowing I owed the debt. She then told me ( as they usually do ), that I do not have to respond to the lawsuit because since I called in, I have fulfilled what I needed to do. This information given by XXXX was incorrect. 

XX/XX/XXXX - Responded to the lawsuit again requesting validation ( copies filed in the local courts and sent law firm a certified letter USPS Tracking number XXXX XXXX XX/XX/XXXX - Mendelson Law Firm sent a consent judgement erroneously indicating that I agreed to it. I did not agree to such at all and did not sign it. 

XXXX XXXX - Received payment history with last delinquency date of XX/XX/XXXX XX/XX/XXXX - File another response in the court and sent same letter to Mendelson and Mendelson informing them that they violated my rights to proper debt validation and the lawsuit is time barred for enforcing the debts through the courts. ( USPS Tracking XXXX ) XX/XX/XXXX - Menndelson Law Firm sent and filed a copy of a Notice of Service ( Deposition? ) with the court despite that this debt is time barred.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX XXXX ARE STILL SHOWING ALL MY DEPT. OF EDUCATIONXXXX LOANS AS OPEN WITH BALANCES WHEN THEY WERE ALL APPROVED BY THE DEPT. OF EDUCATION ON XX/XX/2021 TO BE 100 % DISCHARGE.
Product: Credit card or prepaid card

I had a Card with Vystar. I was traveling and I made a reservation for a hotel in XXXX. Which I authorized the hold on my card for the reservation which was a little over {$800.00}. When I checked in to the hotel they actually removed the hold and charged my card right there at check in for the {$800.00} and some dollars. I was traveling and staying in several hotels for a couple weeks so I was constantly checking my account several times a day. What I got to my room and unpacked I checked my account to make sure everything was good and see what my balance was after paying for the room. Everything added up and was fine. However, when my stay was up and I checked out I returned the keys and they said my small deposit would of {$100.00} would return to my card in about 24-48 hours ( the deposit for cleaning and damages ) that was returned to my card no problem however I was charged the entire stay of {$800.00} was charged to my again. It was not the deposit for damages it was the actual amount for the whole stay. I fought back and fourth with the hotel which said it was Vystar and Vystar said it was the hotel. I never got a resolution and never got the money back. BUT now I noticed it is on my credit report which my credit was perfect no late payments or collections. nothing! This is negatively impacting my credit and I cant get any help form anyone I call or send mail to. I understand the money is gone and I wont get it back but this is not ok that my credit is now effected and I cant do anything about it. Please help. Thank you
Product: Credit reporting 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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: Money transfer, virtual currency, or money service

XX/XX/2018 I withdrew cash from my bank atm {$3600.00}, immediately i went to the teller to deposit it. The teller took the cash and counted it with a cash counting machine behind him. He tells me that the amount of cash i gave him was less than the amount i want to deposit, {$3500.00}. I told him that can not be because the money was just withdrawn from the bank atm and brought to him right away. He counts the money again in another machine and comes up short again. The branch manager counts the cash and he also comes up short. Somehow the missing cash was lost when i gave it to the teller because i did not drop anything between the atm and tellers desk, my husband was with me throughout the whole event. The branch manager said they can do an audit on the atm to see if there was a overage. XX/XX/XXXX i called the branch and rep said the audit came up normal, no overages. The rep said they would conduct a investigation on the teller and look at video footage from the day cash went missing. I called several times and emailed the rep and branch manager to get a status report but they ignore me and do not respond. It seems like they have stopped any investigation in my case. I feel like the teller stole my cash and the branch is covering it up by not contacting me. To this day I am still short {$100.00} and waiting for a response from my bank