23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX my daughter informed me that some one had come to the apartment unit ring the door bell pounding on the door and saying he was the XXXX County Sheriff and had papers for me, and on XX/XX/XXXX again this time much more aggressive this person I was told by my neighbors about XXXX XXXX everyone in the building door bell was ranged disrupting there life, I was told this person was literally banging on the door with a great amount of force, they thought it was some type of altercation or something this went on for serveral minutes disturbing the peace, one neighbor informed they had called managment to see what should be done. Also I was told by my neighbors this is not the first or second time they have come the this building with this inappropriate behavior banging on doors and ring others bells, I feel this is an form of harassment for a credit card debt of {$2400.00} I do n't even know what credit card it is, can you please please help me with this issue, I did go to the local XXXX county sheriff office, I was told it was not from there office, also I was told, whom ever it is posing like XXXX county sheriff deputy and flashing a gold badge dressed in all black clothing saying sheriff office they need to gain entry to the building, if this is not a criminal matter involving the real XXXX county sheriff office coming to my family home involving all the neighbors this is harassment.
Product: Checking or savings account

It has come to my attention that PenFed never resolved the banking errors which occurred back in XXXX. On XX/XX/XXXX Credits were posted to my account. I had initially thought these were the credits I transferred from my Checking Line of Credit to my checking account. These were in the amount of {$240.00}. So I then transferred these credits to my external account. On XX/XX/XXXX PenFed Deducted all of these credits. Resulting in a negative balance. Unaware of the negative balance PenFed then later closed my Overdraft Line of Credit and Credit Card citing that I had not responded to the emails received from PenFed regarding the overdraft share. Now mind you, I never received any calls from them regarding this issue. When I sent them an email confirming that these were placed in my account in banking error then, since I had stated I transferred from Line of Credit and didn't believe this was a mistake. PenFed responded stating that the credits applied on XX/XX/XXXX were supposed to go to another account and that these were done so in error. Then they advised I transferred these credits out and I am being held responsible for the funds since they were withdrawn before the correction could be made to " The account ''. This is obviously absurd, I do not control banking errors from this institution. I do not find this to be fair and equal treatment that I am being held responsible and forced to pay for a banking error, that I had no control over. How many other account 's has this credit union done this to? They then charged off the share and say I still owe it. I believe that I do not owe a balance that I was never responsible for in the first place. Penfed confirmed from XXXX XXXX that this was a banking error via email. Which I still have a copy of. This seems like this is harm to the customer especially when I was only transferring funds I had assumed were from the line of credit. I had no idea these were done in error as these did not have any description to them. I would like for this to be rectified so that I can bring my account 's back in good standing with Penfed. 
XX/XX/XXXX Funds Transfer Credit XXXX XXXX XX/XX/XXXX Funds Transfer Credit XXXX XXXX XXXX XX/XX/XXXX Funds Transfer Credit XXXX XXXX XXXX XX/XX/XXXX Ach Debit By Member XXXX XXXX Bank Transfer XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Ending Balance {$8.00} This is from the XXXX statement of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX  XXXX XXXX ( Harming ) Account number : XXXX I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now February 27, 2023, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act
Product: Credit card

Dillard 's Wells Fargo, closed my account and reported to credit bureau closed unpaid. This is after I paid the account in full and communicated to them I was paying off by XX/XX/XXXX, which I was told this would be okay if not paid /payment caught up in 30 days they would close. I paid in 10 days in full. Now let me add they closed with no written warning either, with grace period of snail mail. Today XXXX. I received in the mail two letters and statement. Statement states not paid, 1st letter dated XX/XX/XXXX account is closed, letter XX/XX/XXXX if not paid by XX/XX/XXXX. account would be closed. The last letter is what was verbally communicated to me. So they do n't know what they are doing and did the opposite of what they told me. Also I paid it off and tried to use it last week to find out they closed it when I called to find out why this rude lady states to me you were delinquent and we closed it, anything else. I said why did you tell me I had until XX/XX/XXXX and closed it without notification and on the same day I paid you in full. She said I told you you were delinquent, I said why was I not notified, she said letter went to you same day we closed it. I said so no grace period, she said the letter was mailed. I hung up. This is poor business and its fraud. You are required by law to notify me of changes and give me 39 day warning
Product: Checking or savings account

I have an a checking, savings, and cd with navy federal credit union. My accounts were account overdraft and drained and also a credit card was open in my name. I had a total of XXXX now Im left with nothing. I went inside the bank and they had me fill out an affidavit. Seven days letter I called the bank and they told me my claim was denied because it was done on my device. During my time at the bank they mention a XXXX called in and the transferred money from my cd. I told them thats not my number. My number is XXXX. I dont understand how someone can call in and transfer money from my cd. I was told my cd was suppose to be locked. I was told I couldnt transfer money or withdraw from my cd until the maturity date which is in XXXX this year. I was told that my funds would be locked and secured for a year and that I could only make deposits to the cd. I dont have money to just give a way I worked hard for this money. I at least want the {$8000.00} took from me. I trusted navy federal with all my money and its not my fault they allowed someone to take all my money out of my accounts without validating my personal credentials or alerting me what was going on with my account. I work to hard to just let my money go away like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 years ago I had a charge off on my XXXX XXXX.I have been building my credit score up since then-As of Last Month my score was XXXX weeks ago I inquired about the XXXX charge off and the next thing I know I get an alert that my credit score decreased, It went from XXXX to XXXX because XXXX put a new report of charge off in the last week-I spent over 6 hours trying to talk to XXXX and was transferred and disconnected numerous times-I talked to supervisors, over 10-15 agents and even their Deceased department -- I can not get through to them to get this mistake fixed-They even had me down as dead.Now my report has dropped so far because of them I am ruined.I 'm XXXX XXXX XXXX and this is a death sentence to me... I can't get XXXX or XXXX to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian- I have been a victim of identity theft and should be receiving free credit monitoring which experian has locked me out of my account, continues to solicit monthly payment of XXXX a month, reports inaccuracies on my credit report after several disputes and letters violating FCRA with no documentation of proof resulting from their investigations. I have tried calling numerous times resulting in no answer the numbers they have advertised. I have also used credit repair agencies and advice to follow from professionals and still have had no success. 

XXXX Continues to report inaccurate information on my credit report after several attempts to dispute. My credit score has increased due to good payment history. Between XXXX XXXX in one day my report showed a report of good payment history with the removal of an inquiry, and payment decrease which showed a increase and decrease in the same day of 57 points. On my XXXX XXXX and experian reports my scores are in the XXXX range. XXXX continues to report inaccurate credit scores and accurate information. I have used professional services, sent several dispute letters, and questioned their violations of FCRA. They have not mailed me proof of any disputes showing signature and documentation, and have allowed changes to my account with incorrect updates, information from creditors harming my credit file. I am requesting a full investigation to their practices and would like to seek damages as a result to their practices.
Product: Student loan

I cosigned 3 loans with my son in XXXX when he attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). They are private loans originally with XXXX XXXX, then converted to XXXX  and now serviced by MOHELA. 
My son was not able to earn enough to make regular payments and I was barely able to help. We were offered forbearances multiple times as a way to avoid delinquency. 
Eventually I was able to start making payments for him, and continued to until XX/XX/XXXX. 
My issue with the lender is : The original loans totaled {$33000.00} To date, I have paid a total of {$37000.00} Of the {$37000.00} paid, {$29000.00} has been applied to interest, with only {$6400.00} applied to principal. 
Accrued interest, which has grown to 10.5 % now totals over {$43000.00}. 
I have repeatedly asked to discuss negotiating a settlement on the remaining interest to no avail. 
Considering that XXXXXXXX  has settled claims with 39 state attorneys general for {$1.00} billion and the CFPB for {$120.00} million, and is banned from servicing federal loans, I would think they might be more receptive to working with us. I can't help but feel like we are victims of the very practices that got them sued in the first place. 
I am not trying to cheat them out of a profit, only to achieve a fair settlement based on how they assigned payments to the loans.
Product: Credit reporting or other personal consumer reports

My personal information was exposed to the data breach. According to 15 US 1681, I have the right to privacy. The information reported does not accurately reflect my financial history, and I am requesting that the entry be removed. The data breach resulted in my credit being pulled without my permission or without permissible purpose. This is a violation of the FCRA. I am requiring all negative entries including the student loan amount be deleted.
Product: Debt collection

They called my Mom, and husband multiple times neither of which is responsible for my any of my debt. They also said they just got a file today which is not true. Ive never heard or been notified of any debt from this company either. 

Heres a transcript : Federal law designates this matter as a confidential notice for NAME. Please hang up. Now. If this is NAME. Please continue listening to this message do not listen to this message where others can hear as it contains confidential information. There will now be a 3-second pause. Hello. Unfortunately, we've received notice on your file. It is now Wednesday, XX/XX/XXXX, and your file has reached our office due to your failure to respond, and we do need to know was this done intentionally, or was this an oversight? I suggest you communicate. We are open until XXXX XXXX. Today. The phone number is XXXX. Again, it would behoove you to call before. We are asked to see if voluntary Communications XXXX. I apologize for the aggravation. But again, we only did just receive this notice to pay online. Go to ww.w direct Recovery Services and click on the pay now link. Your account number is XXXX.
Product: Debt collection

JPMCB - CARD SERVICE Account Number : XXXX Date Opened : XX/XX/2014 Balance : XXXX
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed these accounts from their records. I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 


XXXX XXXX US BKPT CT CA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Consumer Finacail Protiection Bureau fined Wells Fargo XXXX XXXX dollars for is illeagal practices as a bank.

Six years Wellsfargo continued to charge me maintenance fees saying if I didnot use my debit card at least six times a month I would be charged a fee. I was some times in the negative each month because I would not use my debit card 6 times a month. Wells Fargo has not paid me the money that is owed to me from the Order Consumer Finacial Protection Bureau ordered them to pay all effected by Wells Fargo Illegal practices I received something in the maill about the controbution last year but Wells Fargo hasnot sent me any money for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30-year VA mortgage that is owned and serviced by Freedom Mortgage since XXXX. I have consistently made all my payments on time from a specific bank account ( bank account # 1 ) by EFT initiated through the Freedom Mortgage website. In XX/XX/XXXX, I switched to using another primary bank account ( bank account # 2 ). I added this bank account to my online profile with Freedom Mortgage in order to make my XX/XX/XXXX mortgage payment. I made the payment for my XX/XX/XXXX mortgage payment through Freedom Mortgages website using bank account # 2. Rather than pull the funds from bank account # 2, Freedom Mortgage repeatedly tried to pull the funds from bank account # 1, which resulted in me receiving overdraft fees from Bank # 1. I logged into the website again and initiated another payment for the XX/XX/XXXX mortgage bill and requested to pay it from bank account # 2. I waited four days and Freedom Mortgage did not pull the funds from bank account # 2. I called them to inquire into the issue and they agreed to refund me the over draft fees charged by bank account # 1. A few days later, they finally debited the funds for the XX/XX/XXXX mortgage payment from bank account # 2even though I had repeatedly requested that they debit the funds from the account. A few days later, they reported me delinquent to the credit bureaus, even though I was not and had consistently been requesting to pay my mortgage payment from bank account # 2. I called them the same day and spoke to someone in the escalations department. She reviewed my good payment history and spoke to her supervisor. She agreed that the error appears to have been caused by Freedom Mortgage repeatedly attempting to withdraw the payment from bank account # 1even though I ( the customer ) had made repeated requests to pay from bank account # 2. She agreed that Freedom Mortgage would send corrected information to the credit bureaus that my account was not 30 days delinquent because the delinquency was due to their own processing errors. It has now been 8 days since Freedom Mortgage agreed to send the correction to the credit bureaus and that has not been completed. I called their customer service number earlier today, and after waiting on hold for 35 minutes, the agent explained that task was closed without being completed and she initiated a request to reopen it so that my credit information can be updated as agreed.
Product: Credit reporting or other personal consumer reports

XXXX  veteran, homeless tried to buy a house credit freeze was on, called XXXX on XXXX and was unsuccessful, XXXX compliance requires reasonable accomodation and XXXX opted after one hour and me verifying myself fully for me to have to call back because the representative computer froze. 

I am still without a home and I am now trying to just get an apartment and this account is still frozen and I can not login. I have requested to several times for them to not inconvience and break the law but the employee refused to transfer me to a supervisor. 

I will be seeking legal remedy but in the mean time I do not have the energy, physically or mentally to continue to have to use the little energy I do have for companies that have XXXX respect for my serivce to this country. 

It is an uphill battle for basic things and it continues to impede my ability to focus on my health without being harassed and/or my disabilities to be ignored. 

I attempted to reset my password after 1 failed login and their system is trying to " FORCE '' me to call them. Why do company think they have the " RIGHT '' to force people while also forcing them to the mental anguish of their unskilled unqualified employees while this is against the law. 
Many laws, rules and regulations were broken, this goes against all their internal policies, employee handbook, laws, rules and regulations. 
I am being discriminated on my fair housing, fair credit, equal opportunity, civil rights act XXXX, privacy act XXXX, XXXX and many more. 

Perhaps if a company can not allow consumers to reset their passwords and other verification methods they should not be allowed to be on the www as this a technical minimum and such a basic task that have been around since the inception of the internet and here I am a XXXX veteran just trying again to buy a home or simply rent an apartment for now for over 5 months. XXXX has impeded my ability to do so many times along with other companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries on my Equifax credit report by the following companies ; 1.  XXXX XXXX XXXXXXXX. on XX/XX/2018 2. XXXX XXXX XXXX XXXX. on XX/XX/2018. 

I do not recognize any of this inquiries and I am therefore disputing them with Equifax and XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance {$2400.00} XXXX XXXX**********Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$1100.00}
Product: Debt collection

This is not a debt the company was paid I have proof the company has chosen not to respond instead the company has placed harassing phone calls to my cell phone number the phone number used to call my cell phone shoed no caller Id no company name and messages were not left et this unknown number continually called my cell phone number when I did answer the unknown number the female did not give her name of the company name she started the call saying this call may be monitored and or recorded then asked for me by name never providing her ID or the company ID additionally XX/XX/2024 I received an email from this company and the email was not given to this collection agency by me and has not been confirmed that it is in fact my email before it was sent by this collection agencyis deception and in FDCPA violation
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following accounts, and inquiries are not affiliated with me nor are they authorized by meXXXX 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 Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX Balance Owed : {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I had a hotel refund my deposit. The hotel said it wouldnt post to my account and it did. They gave me a receipt showing it was refunded. Cashapp said they needed the receipt that showed store, date, logo, refund and show a XXXX balance. 

Ita shows all that and cashapp wont refund me.
Product: Bank account or service

I have a Circle Gold account at Citizens bank. This is their product that provides " free checking by keeping a monthly combined balance above {$20000.00}. Eligible balances include most deposit, loan and investment account ''. Since I have my mortgage with Citizens I have qualified for free checking on all my associated checking accounts. 

In XXXX of 2014, I noticed a service charge for 5 months ( {$100.00} ) on one of my accounts. I went into the branch and was told that the bank had just updated to a new system and that they were finding glitches. They refunded the {$100.00}. I asked that they please make sure all my other accounts were not being charged. 

One of the checking accounts associated with this Circle Gold account is my XXXX daughter. She came home this summer and asked what the {$20.00} fee on her checking account was. After investigating I discovered that she had been charged a {$20.00} service fee from XXXX 2014 to the present month ; XXXX 2015 a total of {$360.00}. I called the bank and they told me that I only had 90 days to dispute a charge, and would waive that for an additional month 'because " I was a good customer '' and refund {$80.00} of those fees. 

After some discussion with the branch office in XXXX, MA, I was directed to the Regional Manager of Citizens Bank ; XXXX XXXX who explained that my " contract '' said I had 90 days to dispute a change and there was nothing he could do about it. 

I signed up for FREE checking - my accounts have been eligible for FREE checking during this entire time. What part of my " contract '' with XXXX is enforceable - the one that I get free checking? Or the one were I have 90 days to dispute a charge even if the charge was a bank charge that should not have ever been applied AND was applied due to an admitted fault in their system?