23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2023 around XXXX in the morning I stopped at XXXX to grab a cup of coffee and to use the atm. That day I had been paid my paycheck through payroll on my chime checking account and was going to pull out half of the money to deposit into my cash savings that I have in a lockbox at home. I have done this several times before even at this specific ATM. I pay for my coffee with my card and then went to the XXXX stand alone ATM and started to withdrawal {$400.00}. I went through the entire process of talking in my pen and selecting the amount and so on. Everything went fine until it was time to dispense the cash and a message popped up on the ATM screen stating " there is an issue with this transaction someone has been notified ''. I I took my card and looked in the cash area to see if I could still pull it out or if it had given it to me and the door for the money depositor would not open nor did I hear anything being dispensed. I figured I would not be charged for this transaction but it only took about XXXX seconds for me to get a notification saying that it had been taken out of my account. I contacted both financial institutions, but XXXX themselves it refused to do absolutely anything for me including give me a different number to talk to someone. The transaction went from pending to approved after a few days and I was able to file a dispute. It only took about 3 days and my dispute was denied. This is half of my paycheck that I have worked very hard for and {$400.00} is a huge amount of money to wrongfully be taken from you. I have rebutted this dispute again but I plan to take whoever I need to to court to sue them for emotional distress and get my money back. I've never in my life that this would happen or that it would be so hard to get my money back if something like this did happen. It is very obvious if the video is looked at that the entire time I was in XXXX I did not have cash in my hand nor was I giving any cash or used cash at any point. The investigation needs to be looked in better and I need to get my money back.
Product: Debt collection

XXXX XXXX XXXX sold my account to razor capital a debt collector. Razor capital/XXXX XXXX had account through XXXX XXXX XXXX. When I went to pay agreed payment amount, XXXX said account was closed and couldnt tell me anything. Never received anything saying debt was still owed. Then went to sell my house and it says razor capital has a lien on it. Call razor capital and they tell you I owe and tell me to call XXXX XXXX  and XXXX another collector. Call them and they say if and when they get the account they can tell me how to pay. Had the real estate lawyer call and they get the run around as well. They got a letter from razor capital saying how much I owe ( XXXX ) but not how to repay it. They dont give you any way to get the lien off of the home so that I can sell it. Im only getting what is owed on the house Im not making money off of it. They will not tell me how to get lien off. I have called numerous times in the last 4 months or so and still get the run around. When I did the court agreement to pay {$25.00} a month which I did until they closed account it never said anything about a lien. I believe the account was closed and the lien should have been taken off. I co-own the home with my ex as well. So I dont know how they can have a lien on something that is not all mine
Product: Credit reporting or other personal consumer reports

In according with the Fair Credit Reporting Act account name XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 2 : It also States Consumer Reporting Agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation
Product: Student loan

I tried to establish a payment amount that I could pay, but the collections company refused and was not understanding to my financial situation
Product: Debt collection

I HAVE DISPUTED THIS DEBT WITH THE CREDIT BUREAUS AND THE ACCOUNT SAYS CLOSED BUT IT IS STILL SHOWING ON MY CREDIT REPORT, THIS ACCOUNT IS NOT MINE I NEED IT TO BE REMOVED FROM MY FILE PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX have responded to me that they have verified the bankruptcy XXXX. 
The bankruptcy XXXX has been removed from the XXXX XXXX database. XXXX XXXX reports the bankruptcy and verifies that it has been removed. 
Equifax and XXXX verified the bankruptcy in error or did not bother to verify at all. 
It has been removed from XXXX.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I'm bringing this CFPB complaint to your attention in order to draw your attention to the credit reporting agencies ' negligence, stupidity, and indifference. The accounts I have been disputing on my credit report for more than a year now are the product of identity theft. According to FCRA section 605b, credit reporting agencies must erase any account and information no later than four business days following the day they receive the complaint letter. I began writing letters of dispute to the credit bureaus on XX/XX/XXXX, and my last letter, dated XX/XX/XXXX, had all the attachments I needed to prove my identity, including the ID THEFT REPORT I received from the FTC. However, in spite of all of this, the credit bureaus ignored the request and violated the FCRA regulation. The Credit Bureaus have continued to report the disputed things without delivering me copies of the paperwork that bears my signature as proof that the disputed items actually do belong to me. The FCRA section 605b, a federal law, is clearly violated by this activity taken by the credit bureaus and is therefore illegal and punishable by law. I am filing this CFPB complaint to ask the credit reporting agencies to entirely remove the following bogus information from my credit report ; if they refuse, I will have no choice but to take legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXX Balance {$0.00} XXXX XXXXX Balance {$850.00} XXXX XXXXX Balance {$0.00} XXXX XXXX  XXXX XXXX Balance {$83.00}
Product: Mortgage

XXXX sold my mortgage of nearly a decade to Carrington Mortgage Services , LLC on XX/XX/XXXX. My mortgage payment stayed the same until I received an Escrow Analysis stating my shortage is {$1400.00} and increased my monthly mortgage payment by {$94.00} per month for a CUSHION! 
In review of this analysis and verification of Taxes and Insurance on the property, there is only a temporary deficit of less than {$150.00} during the month of XXXX  every year. 
Distraught, I called XXXX  and asked for their assistance. They informed me I could request the CUSHION to be removed and a reevaluation of the escrow be performed. I called and requested this at least 12 times in one conversation, being transferred higher up in the chain until I was connected to patronizing XXXX, who stated, for the 12th time, that this could not be removed because of my FHA loan and RESPA guidelines. I stated there is no way a loan in place for nearly a decade suddenly goes up that much. He said feel free to file a complaint and that would do nothing to help me and the CUSHION would remain. 
ALSO, on this same day, XX/XX/XXXX, I received a harassing phone call from Carrington Mortgage demanding my mortgage payment!!! I stated I have NEVER paid my mortgage late and that I had until XX/XX/XXXX to do so! Belligerent XXXX stated it is due NOW and how would I like to pay? I hung up on her. 
WHAT KIND OF SHADY OPERATION IS THIS???? Please HELP.
Product: Debt collection

2 auto insurance agencies, XXXX and XXXX XXXX turned over or were purchased by CCS ( Credit Collection Services ) who then turned these over to credit reporting. I have requested validation because they have been paid in full, I do not owe and Insurance does not extend credit therefore it is impossible to acquire debt.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached XXXX XXXX XXXX XXXX. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.
Product: Checking or savings account

Bank of America is claiming that I owe them {$740.00} due to a " duplicate deposit. '' On XX/XX/2019 I made a mobile deposit that cleared my account. Over a week ago I was in the process of making another deposit and noticed my account was overdrawn. I tried contacting Bank of America by calling the XXXX number and was told I needed to visit the branch because they were not able to provide me with an explanation other than a duplicate deposit was made. I was finally able to obtain a local number and called them and they insisted I needed to come in. I took time off of work and met with a representative which is stating that the same check was deposited on XX/XX/XXXX and that XXXX XXXX XXXX ( issuer ) have retrieved this amount from BOA because this check had already been paid. My employer contacted XXXX XXXX and was told that this check was only claimed on XX/XX/XXXX and they do not have any record of the check being cashed twice. I relayed this information to BOA and they continue to fail to provide me proof that this check was credited twice to my account and thus justify this debit or chargeback on the XXXX. I did not receive this money twice, it does not appear as a credit or deposit twice and actually was just notified this week of the issue in writing by BOA after I expressed the concern. Now, I have automatic debits going into my account for which I am incurring overdrafts charges for because I refuse to deposit my payroll in this account. BOA continue to take my money without an explanation and/or correction of this error. My account was not credited twice for this amount nor does XXXX XXXX show that this check was " cashed '' twice. I have made multiple attempts and I have taken time off of work to address this with BOA to no avail. I respectfully request your assistance with this issue.
Product: Mortgage

Penny Mac Mortage- SCRA -ServiceMembers ' Civil Relief Act I filed to get my interest rate with this company and they denied my request with military orders starting XX/XX/2024, where they are title 10, 400 days long and I closed my loan on XX/XX/2024. They denied my request to lower it from 7.135 % to 6 % which is against the SCRA. I been contacting them back and forth and they have not done anything to help me fix it and bring the rater to 6 % and keep denying it when it is clearly against the law. I am currently in the XXXX XXXXXXXX XXXX XXXX I was told by command that this is not right and they arent abiding by the law thus for my reasoning by my complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Upon my research/findings, XXXX XXXX XXXX is a debt collector. They are falsely reporting to my credit! Account # XXXX is falsely reporting to my credit file ( XXXX, XXXX, and XXXX and any other reporting agency ) and against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports. I have attached the definition so that you can see and understand the violation. 

A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. 

I request to be provided proof of this alleged item, specifically the original application, contract, note instrument bearing my signature with XXXX XXXX XXXX. Failing to do so, the item must be deleted from the report as soon as possible! Under federal law, you have 30 days to complete your reinvestigation. 

I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692G Please have the original creditor provide the validation documents to the XXXX  as well as to me. It is extremely important that the creditor provide the documents to the XXXX  to ensure fairness and that they are not brushing me off and taking this matter seriously. 

Thank you for your assistance.
Product: Debt collection

XX/XX/XXXX I was notified via email by XXXX XXXX that I had a debt of {$4100.00} from the collection agency by the name of COLUMBIA DEBT RECOVERY LLC DBA GENESIS for XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Maryland. ORIGINAL CREDITOR : XXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX. I have never lived at that location. I have lived at the same address since XX/XX/XXXX to XXXX. On the record of the debt the birth date and email are not correct.
Product: Debt collection

Southwest Recovery ( acct # XXXX ) has created a collection account with all three credit bureaus claiming I owe {$660.00} to XXXX XXXX XXXX XXXX XXXX. I have contacted Southwest Recovery ( latest time on XX/XX/XXXX ) because the credit bureaus have verified this debt as accurate when I disputed in XXXX and XX/XX/XXXX. Southwest Recovery claims the debt was with an electric company called XXXX. I never had electric service with XXXX. I have requested the credit bureaus remove this item from my credit report because I do not have a contract or debt with XXXX XXXX XXXX XXXX XXXX that I owe.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
Product: Credit reporting or other personal consumer reports

Just got notified from Experian that payment history is 35 % of my credit score and Experian says that my payment history is GOOD now just imagine what my credit score would be is Experian put back my now 19 months of on time never late payments to XXXX. In the screen shots attached you will see on there own website they say for my boost that the last payment to XXXX was XX/XX/2022 and then on the same website they show continued payments that were never late and the kicker is they say they can lower my XXXX bill by XXXX dollars a month BUT TURN AROUND AND STEAL THE PAYMENT HISTORY TO KEEP MYSCORE LOW
Product: Credit card

I scheduled a meeting with the branch in XXXX with a branch employee and the excutive director/president of the organization. The president decided not to go to the meeting but did not inform me. I stopped in at the branch since I had traveled over an hour to find out what my options were. The employee made it clear that they'd delay their options to help me remove my social security number from the card. The employee further issued a credit card to the president on the account without my approval as I had the managing authority over the finances at the time. The employee continued to manage the situations and managed the situation internally with other employees telling me that there was no need for me to be a part of the process moving forward, even though it was clear that I had to be present to remove my social security number from the account. I instructed the employee to stop their involvement with the card, and they persisted to anyway. The employee told me that they'll get all the information from the other person, my father, against company policy of updating the SSN on the card and having both the person who's SSN was on the card and the person who the card would be updated to to both be present in the branch. I received a text today from the president that told me that my SSN was removed, but M & T confirmed that that would be against company policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves Experian Credit Bureau. On XX/XX/XXXX  thru a credit application with XXXX XXXX, Experian reported I have serious delinquency, length of time accounts have been established, and too few accounts currently paid as agreed. Thru Experian 's website, I pulled my credit report. Of all accounts, opened and closed, there are NO delinquent accounts. The length of time of accounts is rated excellent to the average of over 6 years old. Next, all accounts have been paid on time, over 240 payments have been made on time and up to date. On XX/XX/XXXX, Experian reported to XXXX XXXX XXXX that I have serious delinquency, too many consumer finance company accounts, too many accounts with balances, and too many inquiries within the last 12 months. Again, no accounts are delinquent. I have 1 finance company account with XXXX. The 2 accounts with XXXX are my 2 student loan accounts, and the 1 account with XXXX XXXX is a parent plus student loan for my son. Experian may think I have too many inquiries because I keep getting turned down for credit because of their fraudulent information they continue to report against me. Last, I think I have 8 accounts with balances. My total debt is around {$25.00} thousand. My income per year is around {$72000.00}, so I can afford my current debt. Experian does n't list any of my accounts that are delinquent, not paid as agreed, amounts that I owe, etc. I 've file several complaints about the same issues I 'm stating. I 've even talked to the dispute department with Experian. We went thru my credit report together, and he could not give me a reason why this fraudulent information continues to show up on my credit applications.
Product: Credit card or prepaid card

XX/XX/22 {$330.00} I had noticed a purchase from a company XXXX XXXX XXXX and reached out to my credit company Chime XXXX XXXX and let them know there was a pending purchase happening at the location, and the date and amount I also explained I did not have my card in my possession and when I noticed it was missing I thought it was misplaced until the charge came ; the company said they would investigate and they came to a denial conclusion for my dispute I contacted the company back for an appeal and have not heard back
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX this company contacted multiple friends and acquaintances leaving messages implying I had a matter that required counsel and would be reflected on my record. After contacting the company on XX/XX/XXXX and telling them not to contact anyone in reference to my self or my wife they continued with the threatening robot calls to everyone. To this date this company has not sent a single letter or contacted us directly. They are calling friends and acquaintances that we have no idea how they associated us with along with other family members. When the rep came on the phone she stated this was in reference to a bank account in Arizona we closed over 6 years ago in good standing. She then made threats to proceed with further action if we failed to pay right away. When I told her to please proceed she threatened to have us sued or charged criminally for a debt she has yet to validate of XXXX for a bank we have not used in years and is not reported on our credit report. As I asked her for information to send correspondence she hung up the phone for the second time. We called back and were repeatedly hung up on.
Product: Checking or savings account

I opened a new account with Wells Fargo in early XXXX. I decided to use it for more of a direct deposit account. Anyways On XX/XX/21 I noticed there were 16 XXXX transactions that were made from my online account plus there were 2 additional names added to my XXXX account. I called Wells Fargo letting them know about the XXXX transactions and they were very helpful in making a new account. Changed my password and said they were filling a fraud claim. They said it could take 10 business days which I understood just wanted to get it handled. I called 3 separate times with the 2 weeks and was never really told anything helpful. Then the 10th business day arrives and they tell me that my claim has been denied. Around XXXX dollars was stolen from my account and they tell me sorry nothing we can do They of course deleted the 2 names from my XXXX  account but they are still claiming it was authorized!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I had a hard imquiry post to XXXX, XXXX and XXXX from XXXX XXXX Date Filed XXXX Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX This was not an authorized hard inquiry. I was shopping for solely for a stand-alone HELOC, which the broker said they could do. As it turns out I was told they can only do a HELOC if refinancing the mortgage. I was very clear I did not want to refinance my home and was not interested in a HELOC unless it was stand-alone. They ran my credit anyway and reported it to XXXX, Equifax and XXXX. I spoke with a supervisor to remove my hard inquiry that they pulled using XXXX XXXX and was assured it was going to be removed. I was told I would receive an email confirmation. I have not received an email confirmation and the hard inquiries are still showing on all three credit bureaus