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

A debit memo for {$4000.00} appeared on my account XX/XX/XXXX. Called and was told the first time it was a duplicate check. Proof not a duplicate. Then told to call the VA because they took the check back... VA has no knowledge of this and said the check was paid to Citizens Bank. Called citizens again and was told same thing..went to the Bank in person XXXX Spoke with a bank manager that told me all would be fixed in 3 days. Now I'm being told it's a mobile banking rule that I not even aware of applies. And there were XXXX checks put in account by mobile deposit. But XXXX check was ok. Same amount 6 days later. XXXX checks XXXX deposited on the XXXX of XX/XX/XXXX and another same amount on the XXXX of XX/XX/XXXX. 
Citizens Bank did not contact me at all from XX/XX/XXXX regarding any checks. Then on XX/XX/XXXXXXXX XXXX months later they did a XXXX memo on my account which made My account negative {$3800.00}. 
Part of that money is my SSA benefit. The bills that were scheduled to be paid were rejected and now I have bill collector 's calling me daily. I was left with no money for food or other necessities since that debit memo. Citizens has told me XXXX different stories why this happened but have refused to send me any documents regarding this debit memo. They are refusing show me what exactly is going on. 
My SSA check is directly deposited and I don't have any access to it. It will take XXXX months to get my checks sent to another bank and that leaves me without anything ... citizens bank is refusing to give me access to my SSA money. 
Please help me. My rent is due XX/XX/XXXX and my bills are due also. 
( And I was not contacted at all I saw the XXXX memo XX/XX/XXXX. And I called them! )
Product: Payday loan, title loan, personal loan, or advance loan

Afterpay only gave a partial adjustment of {$41.00} for Afterpay order XXXX ( XXXX order number XXXX ). I am still owed {$59.00} because my purchase at XXXX was only {$280.00} ( screenshot attached ). I have reached out to Afterpay several times to get the repayment schedule to reflect the true amount of {$280.00}, but it is still showing {$340.00}.
Product: Debt collection

XX/XX/2019 XXXX I received a call from a company claiming I have a debt that needed to be solved or legal action will be taken from a number them. 
XX/XX/2019 XXXX received the same call XX/XX/2019 XXXX again received the same call I decided to look up the number that was continuously calling me threating legal action, taking I have never seen this number before or have never been contacted by this number and most of the claims are harassing claims. 
The XXXX  reports within this company are horrible and several people claiming false legal action among them. 
I found 90 claims that most have said they have no debt and this company is calling harassing people. 
XXXX was the number I was contacted on and afraid of pressing 0 as they tell you to. I didnt want any of my personal information or personal things within my phone being obtained from a scam.
Product: Mortgage

1. APPLIED FOR A MORTGAGE REFINANCE 2. PROVIDED LENDER WITH ALL REQUESTED/REQUIRED DOCUMENTS 3. LOAN REFINANCE WAS APPROVED 4. PROVIDED A VOIDED CHECK TO CLOSING ATTORNEY AT CLOSING 5. WAITED THE LAW REQUIRED THREE DAYS RIGHT OF RESCISSION 6. FUNDS WIRED INTO ACCOUNT 7. USED SOME OF THE FUNDS 8. 24 HOURS LATER RECEIVED A CALL FROM CMG THE MORTGAGE COMPANY THAT THEY'VE MADE A MISTAKE ON THEIR END AND REQUESTED FUNDS BACK 9. THEY REPORTED TO MY FINANCIAL INSTITUTION THAT THE WIRED FUNDS WERE STOLEN FUNDS 10. MY FINANCIAL INSTITUTION FROZE OUR ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to XXXX XXXX XXXX XXXX - Timing of payments each person reporting LATE on any of my accounts on my consumer credit reports are in violation! XXXX, TransUnion, XXXX, you all have failed to comply with Federal and State Law. All my accounts needs to be updated as PAID ON TIME. Pursuant to 1681 ( a ) ( 4 ) unfair reporting of information before consulting with ME. I have disputed these items at first, and you verified them without consulting with me. They ( XXXX, XXXX, and TransUnion do not even have proof that the alleged transaction took XXXX & they we're impartial in their actions because they furnished unverified information based off of one sided information ( from the corporation alone ) and by the way they ( XXXX, XXXX, and TransUnion XXXX XXXX XXXX Bank, XXXX XXXX Bank, XXXX XXXX XXXX XXXX Bank ) held a conversation without my knowledge about me & my private business & communicated unverified data that's definitely an infringement on my right to privacy & they weren't there to witness that transaction so the information they have is here say it NOT factual information.

Pursuant to 1681 a ( d ) ( 2 ) ( a ) ( i ) you are in my personal business and that is a violation.

There should NOT be ANY LATE payments on my account for any reason. This is a demand, I am not asking nor am I telling you to Investigate because it is clear and evident you are not to be trusted. So you listen to me and comply with my demands. You have to correct your errors right now! CFPB or FTC forward my demands to the following persons mentioned, XXXX XXXX Bank, XXXX XXXX Bank, XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX  all have violated section 15U.S.C 1666B timing of payments. ALL PERSONS THAT VIOLATED WILL BE ATTACHED.
Product: Money transfer, virtual currency, or money service

Venmo froze my account without any explanation other than what they are claiming is " apparent fraud '' on the account. This occurred after I accumulated a {$3000.00} balance in the account from rent reimbursement from an associate. Once I attempted to transfer the {$3000.00} to my XXXX XXXX bank account ( Which has been linked to my Venmo account for years ) the account was frozen. I no longer have access to these funds and have attempted to resolve this by calling Venmo. 

After eight business days of my account being frozen, and after multiple attempts to resolve this issue directly with Venmo via phone calls and emails, I have no choice but to report this to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  LOANS XXXXXXXX XXXX XXXX  CO L XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts, debts and credit inquiry listed on my Experian and XXXX XXXX credit report is all fraudulent, unauthorized and not my accounts, debts or credit inquiry : XXXX XXXX XXXX  XXXX, {$62.00}, XXXX XXXX XXXX, XXXX, {$14000.00}, XXXX XXXX XXXX, XXXX, {$16000.00}, XXXX XXXX XXXX XXXX, {$3300.00}, XXXX XXXX  XXXX, {$30000.00} and XXXX XXXX XXXX, {$500.00}. The following credit inquiry listed on my Experian and XXXX XXXX credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Equifax, and XXXX on XX/XX/2021, in regards to the inaccurate items on my credit report. It has been over 60 days and I have not received a response. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove and delete those items from my credit report. As of today it has been over 60 days ; these inaccurate items should be deleted immediately. Please delete these accounts immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the Equifax data breach and may have reached the presence and access of the wrong person.
Product: Payday loan, title loan, or personal loan

This is a predatory lending company!!! And should be banned from Illinois like the rest! They did not take my payments as they were supposed to and I called them and questioned this several times I believe this was done on purpose to have the loan default and then as u can see the outrageous interest charges!!! And then they garnish your wages. Thai is standard practice for This company! They are a scam and need to stop taking advantage of people and be put out of business! Please help!
Product: Mortgage

In XXXX of 2015 an auto pay was set up for equity line with Suntrust through our XXXX personal account but amount was set up wrong only because our first statement reflected partial month. Our payments were made on the same day of each month in the sum of {$400.00} instead of the {$680.00} which was the correct amount. We have another mortgage with Suntrust for which we have been making an extra payment of {$2000.00} per month for the past two years to reduce principal. Lender never notified us about the shortage in payment via phone, text or email -although this information was provided to them ( myself, my husband or my office ) nor did they ever send a late payment letter in the mail until end of XXXX. Due to the lender 's failure to properly notify us. We have several mortgages with our businesses, credit lines and credit cards and we have never been late for the past 25 years ) our credit score dropped almost XXXX points and line was closed. If lender -had given us a fair chance to remedy the error, this problem would have been resolved immediately.
Product: Credit card

I made a purchase on my Kohl 's store credit card. Did not receive any bills, and did not think about the purchases I did make, until I received a XXXX late notice. I called Kohl 's, told them I had not received any bills, but paid the amount of purchases, plus late fees. Kohl 's did not attempt to call me, even though they had my home, my cell, and my business phone numbers. When I applied for a business loan - my bank said I had a negative credit report from Kohl 's. That is how I found out Kohl 's reported my missed payments, although no one said anything to me when I called and paid the late bill. Kohl 's did not send me a letter saying they would be reporting me, although I believe they are required to notify me they will report negative information. Kohl 's made no attempt to send me copies of the bills that they supposedly sent me for two months prior to the final notice. I did ask Kohl 's to retract the negative information, but they refuse. Please see my original correspondence, their reply, plus my rebuttal. Since I do not expect a reply to the last letter, I am submitting my complaint as promised. I believe they have a responsibility to truly attempt to contact their customers - including by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX  XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Inquiry details Inquiry details XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Cr Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Cr Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Bank XXXX, N. A Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX Bank XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Utilities XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

I WENT OUT OF TOWN AND I ORDER SOMETHING ONLINE ON SOMEONES COMPUTER THAT WAS HACKED. ALSO I WAS ALERTED BY THE IRS ABOUT MY IDENTITY BEING COMPROMISED.
Product: Credit reporting or other personal consumer reports

I do not recognize this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the Equifax data breach and I noticed some unauthorized inquiries on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
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 168b permissible purposes of consumer reports. 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. 

NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ADDRESS : XXXX, XXXX XXXX XXXX AL XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUT NAME : XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, My identity was used to purchase a cell phone at a XXXX in XXXX XXXX.I contacted XXXX XXXX XXXX fraud department and they confirmed it was fraud.I did file a police report with my local police department.I have tried many times to dipute this fraud hard inquiry on my equifax credit report and I get the same thing from them.Equifax says in there dispute results '' Inquiries are a factual record of file  access.If you believe this was unauthorized, please contact the creditor '' .I have demanded equifax to do a full dispute investigation and remove the XXXX XXXX XXXX hard inquiry but only to get the same dispute results.Because of this, my fico score is down and have a unauthorized/fraud inquiry on my Equifax report.If this CFPB complaint/dispute does not fix this, My next step is to sue equifax in court.
Product: Debt collection

Pinnacle Credit Service at XXXX XXXX XXXX XXXX MN XXXX harassed me for month after month to collect a debt which they could not legitimately verify, now after paying so called debt in full they refuse to send me a receipt that I paid it. I have the money order receipt to prove that I did indeed pay it, it is XXXX XXXX. I demand that they send me a XXXX balance receipt. Please help.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account XXXX : XXXX
Product: Other financial service

i hired Pay map company to collect my mortgage and give to XXXX XXXX XXXX. We agreed that it would be twice a month but they took 4 times a month for more than two years which made me over draft along this period and i paid fees and i had family problem as well they promised me to shortened the period of mortgage term but they deceived me.
Product: Debt collection

Hello,  I am filing this complaint today because I have tried to reach out to XXXX XXXX XXXX XXXX several times to verified a debt that is listed on my credit report in the amount of XXXX from LTD Financial Services,  I have yet been unable to reach XXXX XXXX since XX/XX/2017.   I have know contract with LTD Financial Service and would like to verified this account with XXXX XXXX .
Product: Vehicle loan or lease

a company called me and stated that they were hired by a company called XXXX XXXX to reposess a car, i told them to cease and desist calling me to harrass me about that car. i explained that i sent several certified letters to the company and XXXX XXXX has XXXX ot responded. XXXX XXXX and this company called lender services have violated the law and are contuining to harrass me. 
the federal trade commission has taken my action. i filed several actions against XXXX XXXX and XXXX has never responded to any mail. 
now sunrise has hired another company to harrass me called lender services who must have sold the loan. 
repossession is illegal, filing late fees on my credit report is illegal and i want them to stop.
Product: Mortgage

Roundpoint Mortgage requested a copy of the flood insurance for my condo at XXXX XXXX XXXX XXXX XXXX NJ - which they should already have had. I sent a copy to them. They claimed they did not receive it. XXXX XXXX XXXX sent it a second time directly to Roundpoint on XX/XX/XXXX, and verified that Roundpoint received it. On XX/XX/XXXX I received a letter from Roundpoint stating they purchased a {$2000.00} " lender-placed flood coverage '' policy for me from XXXX XXXX XXXX XXXX . This was not authorized and not needed, because I already had flood insurance in force with XXXX XXXX. 

The money to purchase a second flood policy was taken from escrow, causing a shortfall in my mortgage. To recover the shortfall, they increased my monthly mortgage payments from {$2500.00} to {$2600.00}. The loan number is XXXX. 

To add to this nightmare, I sent in extra money to cover the difference in my mortgage payment ( caused by their error ), but they applied it to principal. This will now cause my XXXX mortgage payment to be short. I will incur late fees and penalty charges. They are also telling me it will be approximately XXXX  days for them to research, issue a refund, and- if they do agree to the refund- for the bank to send a check for the {$2000.00}. 

I was told the cause of this is, " a new system that is causing the same problem for a lot of people ''. Who is monitoring this company? It has been a series of problems since they bought my loan from XXXX XXXX. If they can not service loans properly action needs to be taken.
Product: Payday loan

I had a online payday loan with XXXX a few years ago after making several payments, I fell behind on making payments. I started to get harassing phone calls at home, work and also friends and family started getting calls regarding this loan after a while they stopped. On XXXX 2014 I noticed a collection on my credit reports from XXXX XXXX XXXX for {$1300.00}, they never sent me any paperwork validating the terms of this loan or the amount owed. I only borrowed {$500.00} and I paid most of that back.
Product: Prepaid card

I have an American Express Business prepaid Gift Card. The terms of service say that this card is accepted anywhere that American Express is accepted, both online and in store. This card worked initially a few times but is now not being accepted at any online store or in person when I've tried at multiple US based companies. I've tried to use the prepaid card at XXXX on XX/XX/XXXX, the XXXX online store XX/XX/XXXX, at XXXX multiple times with an XXXX XXXX rep on XX/XX/XXXX and most recently XXXX XXXX on XX/XX/XXXX, and all transactions were declined immediately. I worked with an XXXX rep for about an hour on XX/XX/XXXX trying to get the charge through but American Express declined the transaction each time. 

The card in question is : American Express Prepaid Business Gift Card XXXX XXXX XXXXXXXX The card balance is {$340.00} with an additional {$0.00} locked up in XXXX {$0.00} pending transactions that never got released for a total of {$340.00} balance on the card ( I believe the {$0.00} was held when trying to place the order with the XXXX XXXX ). XXXX says this amount is held by Amex and not them. 

I would just like to be able to use the funds on the card as stated by the terms of service or I would like the balance refunded to me. 

There is a total of {$340.00} left on the card.
Product: Credit reporting or other personal consumer reports

My Identity Was Stolen Someone Leaked My Social Security Number I'm not sure how long this person has had my identity. i checked my Credit Report and i have seen several invalid unauthorized inquiries on my file. Open and close accounts not authorized by me. Below you will find a list of items not authorized By me. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : 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 XXXXXXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX CXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX ) , # 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 instruction