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

On XX/XX/XXXX I deposited approximately {$10000.00} into a Bank of America ATM. The check was issued by XXXX XXXX XXXX and it was the third of its kind deposited to the same account over the last 90 days. 
We processed some bills and on Monday XX/XX/XXXX an ATM transaction was declined. I checked the account and found that Bank of America had reversed the deposit without calling or emailing me. They debited my account for {$10000.00} and causing it to go negative and bounced a number of payments. 
I called and was told that the check was reversed because it was not endorsed. Meaning it was my fault. I insisted that the check was signed and the next customer service agent was able to confirm this by looking at the scanned check image. 
They are not crediting the account and I was told I have to wait between 2 and 12 days for a decision. 
I have NO CASH as a result and more bills are going to bounce. I can not take out cash for gas or food. 
I did everything right and Bank of Americas error is causing a tremendous amount of difficulty and stress and anxiety. We have no recourse and they will not release any of my funds to help cover my family.
Product: Credit reporting or other personal consumer reports

recently I looked a copy of my credict report and noticed several inaccuracies on my account this account os hurting my ability to obtain credict. it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX account ( Account Name & Number as shown on you report.
Product: Checking or savings account

I seen an add on XXXX for an apartment the was for rent. They told me that once I sent the security deposit of XXXX $ they would send me the keys. I sent the money and they only sent me a lease agreement. They told me they lost the keys and that they would send me the keys once I sent first months rent of another payment of XXXX XXXX XXXX  I was skeptical but sent the money anyways. They then told me that they never received the rent money and that they would just refund me the security deposit since everything was getting complicated. I contacted my bank ( Chase ) who said that both transaction were completed and successfully sent. They never sent any money back never sent any keys. I contacted my bank and told them I was scammed and that I could provide proof. They told me there was nothing they could do for me because I authorized the transactions, even if I had proof of being scammed by this person.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Acct * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Mortgage

In XX/XX/XXXX my mortgage was sold by XXXX ( XXXX ) to Caliber Home Loans. I had been working with XXXX to catch up with a couple of missed payments ( in XXXX ) when ( also in XXXX ), the mortgage was sold to Caliber. In XXXX, I caught up on my payments and brought the loan current. In late XXXX, Caliber began to claim that when they purchased the loan from XXXX, there were unpaid property taxes and several months of missed mortgage payments due. I strongly argued that I did NOT owe anything else and provided proof on multiple occasions. See the plethora of attachments for complete history. Caliber would not accept what I kept telling them as truth and in early XX/XX/XXXX began returning my mortgage payments with notes that I owed more than the monthly payment. I have now been served with a foreclosure notice and am in desperate need of assistance. I am at a loss of how to proceed. The toll this situation has taken on me personally and financially is immeasurable. I ca n't sleep. I have been communicating with Caliber for months with promises they would make things right, but I can not get anyone to " hear '' me or respond to my multiple fax and fed ex package delivery of proof. The documentation is attached as requested.
Product: Credit card or prepaid card

I stayed at Marriott XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX. During my stay I had no hot water, no toiletries, and had another serious incident XXXX will detail. I paid for the trip using my CHASE Marriott partner card. I've complained to Marriott, created a case, and I tried to dispute the charges for the stay with CHASE. 

My mother was diagnosed with Stage XXXX XXXX XXXX Monday XX/XX/XXXX. XXXX days later I had to run up to my room to grab some paperwork in my bag, so I left my mom in the backseat of my rental car in front of the hotel lobby, on XX/XX/XXXX. I ran upstairs and back down, and the rental car was missing! I looked and valet said they moved it, with my mother in the back seat. Nobody asked me or my mom to move the car. The car was off. XXXX had an excessive heat warning, with temps over XXXX and humidity over 80 %- they left my XXXX, XXXX mother in the backseat, moved the car without asking her for permission or about my whereabouts. They drove the car, pulled forward, and locked it, windows up, car off, XXXX off, with my XXXX, XXXX mom in the backseat. Marriott doesn't believe they've done anything wrong, as confirmed by a supervisor on the phone and
Product: Mortgage

I did a refinance on my home with Caliber Home loans, same company that held the previous mortgage, and closed with the title company XXXX XXXX on XX/XX/XXXX. I received an escrow analysis saying that my mortgage was going from XXXX to XXXX a month. I knew it was going to go up but not by this much, so I called Caliber and they informed me that the taxes on the property were going up and there was a deficit in the current escrow to cover the current year taxes. At this point I checked online to see what my new taxes were going to be, and at this point is when I found out that my XXXX taxes had not been paid and a tax certificate had been issued against my property. On XX/XX/XXXX, I contacted the tax collector and paid XXXX because I was worried that I might lose my property before this could be resolved. When I was talking to the tax collector, I was informed that a check had been sent to them dated XX/XX/XXXX check number XXXX in the amount of XXXX from the title company XXXX XXXX. The tax collector rejected the check and returned to XXXX XXXX because the amount of tax owed was XXXX. I called XXXX XXXX and found out that they received the check back and called Caliber to find out what to do with the funds. Caliber instructed XXXX XXXX to return the money to them as the taxes had been taken care of by them. Caliber cashed XXXX XXXX check for XXXX on XX/XX/XXXX but would not tell me where the money went. I have been trying to get this resolved since XXXX, and after hours of being on the phone, being on hold, and finally after yesterday XX/XX/XXXX being told, by a tax division supervisor, that Caliber is not responsible and that the title company is responsible for this mistake. I also spoke with XXXX XXXX, and they say that they are not responsible either. All I know for sure is that I did what I was supposed to do and we almost lost our house putting our trust in to Caliber to protect us from this issue, and now they are blowing it off like it doesn't matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair Credit Reporting act XXXX XXXX accounts has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to address an error in the recording of a payment on my credit report, which was inaccurately processed by DISCOVER BANK. Despite making a payment on time, there was a discrepancy in the recording due to an error in their software system. Upon identifying this issue, I promptly contacted DISCOVER BANK to rectify the error. They acknowledged the error in their recording software and agreed to update the payment status to " open/never late '' to accurately reflect my payment history. But the bank is not complying with their word, they said they would fix the issue but it's still remaining in my report. Please have this account updated : DISCOVER BANK XXXX
Product: Credit reporting or other personal consumer reports

i reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the accounts that i have included a screenshot insude the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Accounts : XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX, XXXXXXXX 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
Product: Debt collection

This company continues to call my workplace and people in my social network, including but not limited to, another XXXX  in my town and my neighbors. Using harrassing tactics and ruining my reputation. If they really want to see any loan repayment they are sabotaging my ability to do it. 

They have called me twice at work per day and many times on my cell phone since Monday. Interfering with my ability to work. 

Today at XXXX XXXX they left a voicemail message with a XXXX  who is clearly not even related to me. I have a screenshot of said message if necessary. Several months ago they contacted my neighbors and XXXX friends.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information was still present in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX & XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I used my company debit card Chase Bank withdraw {$2100.00} on 3rd party ATM ( XXXX XXXX XXXX ) on XXXX at XXXX XXXX XXXX XXXX I found duplicated transaction {$2100.00}. When I withdraw I know my account balance is only {$3300.00}. But Chase double charged me cause my balance is- {$920.00}. On XXXX I claimed to Chase bank for the {$2100.00} and Chase reversal {$2100.00} on the same day. But I found claim reversal on XXXX that day I called 7 times to Chase but they said the transaction is happened in XXXX XXXX they refused to claim. So I contacted 3rd party XXXX XXXX TNS they provided me the evidence that only one {$2100.00} happened on the record they ask me to complain Chase. So I called 5 times escalated to their manager but still no feedback. Please help me to claim back my {$2100.00}
Product: Debt collection

XX/XX/XXXX a man by the name XXXX XXXX came to my home stating he was a XXXX XXXX XXXX  ( impersonating a government official ) and he had an order to seize my property for a telecommunication debt for a 3rd party collection Midland funding for {$1000.00} I was not home at the time but spoke with XXXX XXXX through my video camera which i told XXXX to remove himself and the other men from my property. When I returned home XXXX XXXX and the other men had stolen my vehicle XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX left several forged altered documents in my door with his signature and his cellphone number which i called. XXXX XXXX answered he told me had i been a little nicer it wouldnt cost me as much ( XXXX XXXX XXXX ) .. i asked him where is my vehicle and he gave me a number to call and told me it would cost me {$2100.00} plus {$50.00} per day if I didnt pick up my car ( extortion ) I then called the number and the man name XXXX the tow guy answered the phone and told me to pay cash to recover my vehicle plus {$50.00} per day its not recovered ( extortion ) XXXX referred XXXX XXXX XXXX XXXX the sheriff He said the sheriff takes his money then pay him.. ( conspiracy ) XXXX XXXX XXXX i went to the XXXX XXXX Sheriffs office to report XXXX XXXX XXXX report XXXX XXXX only to find XXXX XXXX XXXX XXXX is not a XXXX XXXX Sheriff ( XXXX  XXXX government official ) I then went to XXXX district court to validate the documents that XXXX XXXX left in my XXXX and the court could not validate the documents ( XXXX district court could not certify that these were true court documents ) ( falsified court documents ) I spoke with a clerk at XXXX district court that stated that these documents had been distroyed. This alleged collection had ( expired ) it was over XXXX XXXX XXXX XXXX XXXX ( debt was written off ) XX/XX/XXXX i went to an unmarked building to retrieve my vehicle in XXXX east side where i was extorted to pay {$1800.00} of my SSD ( exempt fund ) to retrieve my vehicle. On XX/XX/XXXX I contacted the attorney general which informed me that XXXX XXXX is employed by XXXX XXXX XXXX XXXX XXXX in XXXX Mi and he or that company is NOT authorized to seize vehicles.. ( willfully derelict of duty )
Product: Credit reporting or other personal consumer reports

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT to be included on the consumer reports. Yet TransUnion is reporting this information. The reporting of excluded information pursuant to 15USC1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. Before you think to reply that this account has been " validated '', lets be clear that I am NOT asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collections/Charge-off Status WITHOUT mailing me a copy of IRS form 1099-c Cancellation of Debt. TransUnion and the creditors reporting collections/charge-off, late payments/ other derogatory information on my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness by Certain Entities. If these derogatory accounts information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application for Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Student loan

I have been paying XXXX XXXX for almost a year. None of this money has gone to my student loans. They offered me forgiveness of my loan by paying them XXXX a month. My student loans increased, and XXXX just keeps taking money from me each month. It really seems like a scam. Please contact me about this matter. XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED HELP!! I have recently looked at my credit report I noticed that someone was using my information to apply for credit. I live in XXXX I use to live in XXXX. I need to update my correct name and address on my credit report. My Name is XXXXXXXX XXXX  XXXX. mY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX. THE FOLLOWING ADDRESSES ARE NOT MY PLEASE DELETE : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THERE ARE TONS OF UNKNOWN CELLPHONE NUMBERS ON MY CREDIT REPORT PLEASE DELETE : 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 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. I have never had this many phone numbers in my life please delete them they are not accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, a hard check on my SSN was made by ON-Site Manager XXXX. I didn't fill out any application for any of the apartments for XXXX. I don't understand how did they get my SSN in the first place.
Product: Credit reporting or other personal consumer reports

Experian has flagged my account saying I'm a minor. I'm XXXX XXXX XXXX is XX/XX/2001 I've tried contacting Experian but the website won't let me create an account or talk to customer service. i need this fixed ASAP so i can move into a home.
Product: Credit reporting or other personal consumer reports

the file was under investigation about a year ago and I disputed it again becuase the file failed to check an address assoviated that is not mine they even told me when I called that no we have no information how ever they keep reporting so I thionk are they playing or they do not understand me as they hardly spoke XXXX XXXX this is the account i dispute as I do not recognize or have accepted that i this is my debt as I do not understand why tthe credit agencies is reporting it when I know the other credit agencies are not
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for mortgage loan through XXXX XXXX in XX/XX/XXXX, and XXXX XXXX XXXXXXXX XX/XX/XXXX. Both stated they received no scores from XXXX, Experian, and XXXX. In XX/XX/XXXX, I got scores for them when I applied for rental units. So XX/XX/XXXX, I called the bureaus listed, asked why they reported no scores? I was told by customer service representatives they were showing scores for me. They refused to give me the score over the phone, citing I had to pay for it ( {$9.00}, etc. ). I questioned why two different lenders were getting the same result, they claimed not to know and said I needed to have them call the bureau directly. I shouldn't have to pay for my own credit report and submit it to lenders. 

Something does not add up!
Product: Credit reporting

I just checked my credit history and there is a fraudulant charge from XXXX XXXX. I called XXXX countless times over approximately a 6 month period in the hope of getting help because my XXXX had been hacked. Each time I asked them to note my account that I called and what the problem was. I usually keep my bills on auto pay, as was this account, until I started seeing charges double or more of what I owed. I talked to the fraud dept. at XXXX 3 times, yet nobody opened a case. I talked to customer service about the issue and asked to speak to a manager several times, and every time I was told there was n't a manager available, but they would have XXXX call me. Nobody ever called me or tried to help at all. I finally called and told them to take the account off auto pay since nobody there cared to fix the problem. I have had service with XXXX for many years and I always had them on auto pay so there was never a late payment. I never pay any of my bills late. I literally spent hours and hours on the phone over the course of several months trying to get someone there to care enough to help. I do not owe them any money and am disputing that any negative information on my account is incorrect. Thanks to their lack of caring or helping, they lost a very long time customer for good. Please tell me what to do to get XXXX and a balance I do n't owe off my credit records. 
Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns about Zelles dispute resolution process, especially in light of the recent CFPB lawsuit which highlights serious issues with the platform. Despite using Zelle on multiple occasions and reporting discrepancies, neither my bank nor Zelle took adequate steps to investigate my claim. I was told that recovering my lost funds was impossible and that tracking the transactions wasnt feasible. Additionally, I lost money while searching for an apartment, which has only increased my frustration. The CFPBs findings suggest that Zelle has failed to protect consumers and has allowed fraudsters to repeatedly exploit the system, putting users at risk. This lack of accountability and transparency is deeply troubling and raises significant concerns about consumer protection.
Product: Student loan

I have had this Student Loan since 2004, at first it was with XXXX XXXX then it was transferred to Navient. The loan started with a 2 balances one at XXXX and some change, the other at XXXX and some change. I have been paying on these loans since than ... My current balances have sky rocketed to XXXX.. I just learned that the interest is higher than my payments ... so when I make a payment of {$150.00} every month it only goes towards the principle or interests ... My balance will never go down ..the balances are rising. I am single with one job..i am now having problems with physical problems which keep me sick a lot. I just can not afford to pay a higher amount, I contacted Navient to discuss other options but they say they can not help me.. Can someone please help me with this situation ... I have had other companies contact me with other payment options but they turned out to be scams ... it seems like I will never pay this loan off ...