23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My primary bank is Chase Bank. On XXXX XXXX 2016 I made a " bill pay '' payment to a credit card that was issued by XXXX Bank. The XXXX Bank account had been closed for some time, as the payment was accidentally made to an older account still in my online bill pay records but not purged by me yet. Under normal circumstances the payment would " bounce '' and after a few days or a week, would be credited back to my account since the destination account was invalid. 

This has not happened. I have not received the funds back into my account. After many phone calls to both XXXX Bank and Chase Bank I am unable to get either bank to investigate this issue beyond giving me canned responses that it is n't their problem. XXXX Bank claims that the payment would have been automatically rejected. Chase bank provides me proof that the payment was made and not returned. I have implored them to actually INVESTIGATE the situation because obviously an error has occurred in the system. Neither bank will do so, placing the blame on the other bank. 

I just want my money returned to me.
Product: Money transfer, virtual currency, or money service

XXXX was used for my account and {$700.00} was stolen from my account
Product: Mortgage

Hard Inquiry on report for a mortgage company. I did not request or ask for my credit to be ran nor was I looking to get a mortgage loan. 

Company : ADVANTAGEXXXXADVANTAGE CR Inquiry date : XXXX Type : Mortgage Companies
Product: Checking or savings account

On XX/XX/ at approximately XXXX XXXX XXXX  I went to XXXX, Tn XXXX to make a cash deposit which was denied by CashApp. I attempted a chat conversation with customer support but no assistance and I was completely dismissed and treated like I was the problem for questioning it. At XXXX I was mortified when the cashier told me CashApp denied my deposit because of suspicious transactions yet CashApp denied that. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I depended on Cashapp to be able to receive funds from my family who helps support us while hes healing. Now without notification my account is useless. Ive been a customer for over two years. I have verbally revoked my authorization for ACH transactions to my financial institution that my CashApp is linked to.
Product: Credit reporting or other personal consumer reports

I first disputed the bankruptcy being inaccurately reported on my credit report with Equifax on XX/XX/XXXX. The response that they sent me was that I was not specific when I disputed the information and that it was verified through a third party who is XXXX XXXX. I then disputed it again on XX/XX/XXXX and was completed on XX/XX/XXXX and I provided proof that the bankruptcy has been removed from my XXXX XXXXXXXX report and I was more specific on this dispute than the one I submitted on XX/XX/XXXX. When I seen that the dispute was completed I contacted Equifax. The 1st agent I spoke with told me that the bankruptcy was verified again and I asked what is the verification process and he explained to me that the court where I filed provided them with the information. I stated to the agent that they didn't because I have a letter from the court stating that they do not report to credit bureaus, but the agent insisted that the court reported it to Equifax. I spoke to another agent and he explained the same thing that it comes from the court and they report it to them. I then spoke to someone in consumer affairs and the lady explained that their information in regards to bankruptcies come from XXXX XXXX and if it is removed from their then it would be removed from my credit file.
Product: Credit card or prepaid card

I have been having issues accessing my Grain account since XX/XX/XXXX through the app. The app sent me a payment link to access which just loads to a blank page. I contacted Grain since this issue made me miss the payment due on XX/XX/XXXX. I didnt panic since this was the first time I would miss it and I would think that they would also waive any late fee considering it was an issue with their system and I wouldnt have any issues after contacting them. Contacted them on XX/XX/XXXX, didnt receive a response until XX/XX/XXXX and they still didnt resolve the issue. The representative sent me a new payment link on XX/XX/XXXX and wanted a screenshot of the issue Im having with the previous payment link, but because he issued a new payment link, the previous link now shows as expired. Throughout this whole process, I was also receiving conflicting emails from Grain. One email showed my account was past due more than 60 days and another showing I was only past due for XXXX weeks. It should only be XXXX weeks since it stated my payment due was {$52.00} and it was due on XX/XX/XXXX. The representative told me they couldnt waive any late fees until I can access my account. Weird since they shouldnt have any issues accessing my account and its an issue with their system so they should waive it automatically. Made a payment of {$60.00} thinking I was making a payment more than the minimum due. The representative then sent me an updated statement on XX/XX/XXXX and it showed a completely different information compared to the emails I was receiving from Grain. Then I get an alert on my credit report that they had reported my payment late. I asked the representative if there is any way this can be waived since this whole process has been confusing and difficult and he just replies that the late payment mark is valid. How can it be valid when it took a long time for customer service to respond and I was not given the correct statement until AFTER the next payment due date?
Product: Credit card or prepaid card

Hello, I applied for an HSBC credit card and received an email on XX/XX/2019 to call XXXX to verify my identity. When I called, they asked me for my cell phone for a text message verification code, I gave them the code, and was told I'd be receiving an email with a link to upload proof of my identity and a utility bill for residency. However, I did not get an email with the link. I then called them back and was told they were declining my application. Just 5 minutes prior, I was told they needed two documents. I was also told, the second time, that I would need to reapply. When I asked if they would pull my credit report again, the representative said no, but I don't know why they wouldn't run it a second time since it would be a new application. I was told that after they received proof of my identity that I would receive the credit card I applied for. However, on the second phone call, they told me they were declining my application and refused to let me send over proof of my identity and residency.
Product: Mortgage

OnXX/XX/XXXXThe Bank of New York filed a MOTION FOR DEFAULT against me and several other entities ( non of which reside or co-own my homestead property in Florida ). 

Since then, I have made several ignored requests for a modification, reduction in monthly payment or an opportunity to short sell. 

For clarification, my mortgage payment ( When the loan belong to Bank XXXX XXXX ) increased by {$1200.00} for lender placed insurance inadvertently placed on my account because at the time I had coverage. XXXX My payment went from {$1600.00} to {$2900.00} ) To avoid foreclosure I was approved for a grant ( XXXX XXXX XXXX ) that paid the escalated about for 8 months, during which I hoped I would be granted a modification or the ability to short sell. 

I do n't believe The XXXX XXXX XXXX XXXX is giving me a fair opportunity to keep my home.
Product: Debt collection

After a review of my credit report, I found that Midland Credit Management has been incorrectly reporting a paid collection to the credit bureaus Experian and TransUnion. I have written XXXX letters to Midland requesting a goodwill removal of this paid collection from my credit report and they have refused to do so, stating that they are accurately reporting this information. I have taken it upon myself to illustrate exactly what is wrong with Midland Credit Management and how they are incorrectly reporting this item on my credit report, causing unnecessary damage to my report : Midland violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as " Terms : 1 Month '' on my XXXX credit report. 

Midland violates FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account as " Terms : 1 Month '' on my XXXX credit report. 

Midland violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency " Terms : 1 month '' on my XXXX credit report. 

Midland violates FCRA 15 USC 1681s-2 ( a ) ( 5 ) ( A ) for failing to include the original delinquency date of the delinquent account. on my XXXX credit report. 

Midland violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency for not showing the account as paid and closed on my XXXX credit report. 

Midland violates FCRA 15 USC 1681s-2 ( a ) ( 5 ) ( A ) for failing to include the original delinquency date of the delinquent account on my XXXX credit report. 
Disputing Account # XXXX with Midland Credit ManagementWith respect to the " Terms : 1 month '' notation on my XXXX report : I do not have any known " Terms : 1 month '' agreement or contract in writing or otherwise with Midland Credit Management. 

This dispute is with Midland Credit Management, not XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not pull my Equifax credit report. 

My address is : XXXX XXXX XXXX XXXX SC XXXX My ssn number is : XXXX My date of birth is : XX/XX/1986 My information must be mismatched in the system. So please make sure that it is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 
10. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXXccount Number : XXXX Please remove this inaccurate information from my credit report. 
13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXXXXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft I'M FILLING THIS COMPLAINT FOR MYSELF someone stole my information and used it to open accounts under my name without my permission the fraud accounts are XXXX XXXX  XXXX this account appear on my credit report does not relate to any transactions that i have made. also i was a victim of the 2017 XXXX data breach! THIS SITUATION HAS CAUSED FINANCIAL AND EMOTIONAL STRESS I WAS LAYED OFF MY JOB WHEN THIS 1ST HAPPEN AND I CANT FIND A HOME FOR MY 4 KIDS AND WIFE!! ( 103 true identity theft ) iam a victim of identity theft.The information listed below is was open without my permission 15 U.S CODE 1681C-2 605 ( b ) BLOCK .ITEMS MUST BE BLOCK AND REMOVE IN NO LESS THAN ( 4 ) DAYS UNDER THE FAIR CREDIT REPORTING ACT,15 U.S.C. 1681, et seq. ( " FCRA ' ), FURNISHERS MUST INVESTIGATE DISPUTES RECEIVED FTC Report Number : XXXX because of jurisdictions i've listed fraudulent accounts. i also went and filed a police report
Product: Debt collection

XXXX XXXX Offices says I owe {$670.00} to Jefferson Capital System XXXX XXXX. They have a court hearing scheduled as well. I have not received any full information about this {$670.00}. I do not know where this account is from. However, my first response was - went to call them ASAP to know what is this claim about, but it directs you to their site to settle the payment. And so I did, I submitted my payment plan on their site. But, I did not receive any call or confirmation. So, months later, I called again and their system is the same, it directs you to their site. This time, I emailed them to ask more about this claim, but as of today, I still have not received any information or phone call from XXXX XXXX XXXX. I think this is a scam and Im a victim of their false credit reporting.
Product: Debt collection

XXXX XXXX and XXXX sold a debt to Eastern Account Systems. My personal information was used to open an account with XXXX XXXX and XXXX. I informed them of this and the debt was removed. However, they sold my personal information to Eastern Account System conspiring with the initial identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting agency is reporting inaccurate information on my credit report and did not properly answer or correct the inaccurate information nor did I receive an alert of accounts being reinvestigation into this matter.Under 15 USC section 1681 i ( a ) if your company can not provide proof of these being accurate with no missing information these accounts should be deleted immediately! These Accounts are not in compliance to Metro 2 standards.Accounts are as follows, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have an Aes loan that is over 20 years old that has been on time and consistent for 20 years and the main thing Id like to do is get my mom off alone because she literally is bad badgering me every day. I dont wan na call it XXXX  but putting me down about my ability to pay the student loan, I am applying and XXXX XXXX of the way through for XXXX  as I had a XXXXXXXX XXXX XXXX years ago and I also suffered from low XXXX XXXX as well as I had an emergency XXXX a year and a half ago that hospitalized me for over 90 days I am really just trying to find the light at the end of the tunnel. All the people at the Loan Company are rude and offer. No options have denied my Cosigner release with my mom and I have not missed payments and over 20 years. Im more than meet the requirements if you could please help me in anyway I have tried to consolidate these XXXX. However they are private and not able to thank you for your time. I appreciate any guidance, you can give me XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX XXXX A Creditor XXXX XXXX stated that I have an Account with them I have no knowledge of this account I have been trying to Dispute never ends up getting it resolved
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 XXXX XXXXXXXX Account Name : XXXX XXXX XXXX account XXXX XXXXXXXX Account Name : XXXX account XXXX XXXXXXXX Account Name : XXXX XXXX account XXXX XXXXXXXX Account Name : XXXX XXXX account XXXX XXXXXXXX Account Name : XXXX account XXXX XXXXXXXX 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. 

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, 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 reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit card

A Target rep changed my statement due date resulting in a late fee of {$25.00} plus interest. Target refuses to credit me for these overages and a rep tried to discourage me from reporting this matter.
Product: Debt collection

It is understood on XX/XX/2021, the Debt Collection Rule became effective clarifying how debt collectors can communicate with me, Attached National Recovery Agency XXXX dated XXXX XXXX XXXX received XXXX XXXX XXXX, intentionally ignored my XXXX communications to XXXX  XXXX that the ONLY/SOLE communication be to XXXX. National Recovery Agency clear intention was to violate Debt Collection Rule anticipating that its attached communication would be lost by USPS so that it could inflict harm on my credit score. 

Each of these XXXX communications stated : " ... please provide by return email to XXXX all evidence of validity of this debt; including but certainly not limited to, all copies of all billings to XXXX XXXX XXXX all insurance billings, all medical records of all alleged service ( s ), all insurance denials and the name and address of collectors you have used. ''
Product: Mortgage

US Home Bank Mortgage has been charging me loan for dual insurance coverage. The loan is a FHA loan with Escrow so the only reason for for the insurance to drop coverage is if the yearly invoice is not paid. This has become continual pattern where I have to find another insurance provider based on information from US Bank Home Mortgage correspondences about imposed insurance on behalf of US Bank Home mortgage. US Bank Home Mortgage have also paid the insurance provider of my choosing and still build my loan account for a duplicate insurance. After receiving correspondence on XXXX of XXXX  from US Bank Home Mortgage about imposed insurance on my loan, I reached out to the insurance provider I had the prior year. US Bank Home Mortgage did not pay the invoice provided by the insurance company of my choosing instead, imposed a higher insurance on my loan account. I had to restart my insurance policy all over again, and waited for US Bank Home Mortgage to respond to the invoice sent by the insurance provider of my choosing. US Bank Home Mortgage paid the invoice and issued me a partial credit from the insurance they imposed. I then received correspondence about issued credit for 3 prior years of duplicate insurance imposed by US Bank Home Mortgage. US Bank Home Mortgage have paid my insurance providers of my choosing before, and still billed me for a duplicate insurance. When I called and spoke with a representative, they denied the facts and stated that " it's the insurance provider 's error. '' How many years have I been charged for duplicate insurance? How do you issue a credit and not go over the entire balance and credit fees, late charges and all other fractions? This was a scam that US Bank Home Mortgage should have known about due to them paying my insurance provider of choice through escrow. I need my entire loan reevaluated because this is not the first time that I received correspondence from US Bank about imposed insurance on my loan when I had already established an insurance company and have not filled any claims after the tree damage in approximate XXXX.
Product: Credit reporting or other personal consumer reports

I submitted an identity theft report to these companies and they have refused to remove them. Someone has used my personal information multiple times to open telephone accounts and Incured medical debts in my name even credit cards. I am trying to clear any fraudulent activity so I can purchase a home and these are negatively affecting my consumer reports.I spoke to multiple people who all told me to file a FTC report which I have and submitted to them multiple times once in XXXX and another in XXXX they have refused to remove these items from my report. XXXX, equifax and XXXX are not being fair when it comes to people who really have experienced someone stealing their identity and I would like a response and for them to be removed asap. I am uploading my FTC to prove I am a victim and should not be treated like a criminal. They have opened {$530.00} at XXXX which I have never used XXXX in my life someone also attempted to get medical care worth {$1100.00} from XXXX XXXX XXXX which Ive never stepped foot inside all I have reported and nothing has been done and they are still on my consumer reports. I have proof they received my FTC report XXXX  closed the XXXX account but this is not my debt this should be deleted completely from my credit report yet they have not removed this or XXXX XXXX XXXX XXXX from my report. Equifax and XXXX have completely ignored both of these accounts as being fradulent and an inquiry they refuse to remove after I submitted this multiple times that this was not mine XXXX XXXX XXXX  XX/XX/2023 was not mine I have no idea who or what kind of inquiry that even is. I have froze my report with all three bureaus and XXXX  and XXXX XXXX to prevent this from happening. I would like all of this resolved so I can move on with my life.