23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Once again, I want to stress my disagreement with the items listed below, which persist on my credit report despite your prior investigation. I am formally requesting an immediate re-investigation of these inaccuracies. Their presence significantly harms my credit score, particularly concerning the XXXX XXXX Account XXXX. As outlined in The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I am entitled to the names and business addresses of each individual you consulted to verify the aforementioned items. Please provide this information promptly to facilitate my follow-up. Upon the completion of your investigation and necessary corrections, I kindly request an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The Experian Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports :
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report a deragatory remark on credit file when issue has been already resolved with collection agency. Agency agreed to remove account when settled in agreement.
Product: Money transfer, virtual currency, or money service

I can't login to my Robinhood bank account because an sms code is required to be sent to me. I don't have a cell phone. I want access to the money in my account. It doesn't appear robinhood has a phone number to call. You can request a call but you have to be logged into your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 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 and the HIPPA Privacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, and 164.

These accounts has violated my rights. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( only reported to Transunion & XXXX ), XXXX  XXXX ( only reported to Transunion & XXXX ) XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

After many years of enduring the difficulties of dealing with Greentree, now Ditech Mortgage, and paying their very high interest rate. My wife and I were able to improve our credit standing and refinance the high interest loan to a much lower rate with a local financial institution. We obtained a payoff letter from the Ditech website and our new company sent the funds as calculated by Ditech. The payoff amount was posted on XXXX XXXX, 2016. Instead of applying the total amount of the payoff to the principle portion remaining, Ditech applied {$1700.00} to the XXXX payment, and then the remaining portion of the payoff amount to the principle balance. Now they claim we owe an additional {$250.00} and change to pay off the remaining balance. Why would they not just pay off the remaining balance, the amount they gave us in the payoff letter?? Because applying it as a monthly payment creates just the scenario I have described. Once again Ditech/Greentree has exhibited the pattern of predatory lending practices, and their desire to charge customers every pound of flesh that they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered the cable and internet service with the XXXX XXXX XXXX   without a contract. I canceled the contract and they are charging me the equipment. I give the equipment and I will send you proofs. I did not give him the information of my social security I do not understand how they got it.
Product: Consumer Loan

advance fee loan. i have to file against XXXX different companies. never recieved any funding.spent XXXX of thousands of dollars. i will submit all info seperatly because there is to much.
Product: Bank account or service

On XX/XX/2017 a counterfeit check of {$490.00} was cashed and that money was removed from my account. I noticed it on XX/XX/XXXX and called and filed a dispute. They offered no credits or solutions for that amount money from a check that doesnt even look real. Due to the almost {$500.00} coming out of my account, i was charged XXXX overdrafts of {$35.00} on XX/XX/2017. At this time i have not received credit for my overdrafts ( XX/XX/2017 ). From XX/XX/XXXX to XX/XX/XXXX, i called in many times. The reason for my repeated phone calls is that nobody could tell me how soon i would get a resolution. At one point an associate told me that because this is covered by Reg E they dont have a timeframe that they need to resolve this issue ( really? ). I finally told them that i want to file a complaint which only made the situation worst. I was transferred to a very nice associate who was supposed to be able to handle these escalated calls. Unfortunately, she couldnt handle a counterfeit check claim circumstance so she conferenced called me into that area. I was on the phone waiting for at least a half hour before i hung up. She called me back to ask if i hung up and wanted to know if i wanted to start at the beginning of the line again waiting for that other department. i asked her to wait on hold for that department and call me back - she couldnt do that. i asked her to have someone from that department call me back - she couldnt do that either. it seems this person who was supposed to be able to handle escalations couldnt do anything. I finally got my credit for the check on XX/XX/XXXX ( still no credit for overdraft fees ) I realized today i needed to write a check - which i rarely do. i went into the branch and they wanted to charge me {$3.00} for counterchecks. i didnt want to pay that and the associate couldnt waive it so i asked to speak to a manager. i spoke to a very nice man in the wells fargo branch in XXXX delaware who told me that it wasnt stores fault what the back office did and they couldnt waive the {$3.00} ( what? ). I told him that i dont care who im talking to and that its wells fargo 's issue. he finally waived the fee and he submitted a complaint for me but the whole mentality of " not my fault '' was crazy to me. Im not sure what i want out of this except for the fact that in total i have spent about 10 hours on this issue. i still havent received my credit for overdrafts.
Product: Debt collection

Allied Interstate LLC - Called my place of work and harassed me, they committed an illegal action against the Fair Debt Collection Practices Act by calling my place of work.
Product: Checking or savings account

I deposited a check for {$13000.00} and chase decided to put my check on hold for an indefinite amount of time. I already checked with the maker bank ( XXXX XXXX XXXX ), and they have cleared the check as was the money was already taken out of the account. Regardless of all of these information and a very lengthy hold time by chase, XXXX hours & several hang ups, chase decided they wont do anything to help my cause and continued to antagonize me by ignoring my plea for an expedite. Now i am currently in a financial bind because this bank decided they can torture people by withholding my own money from myself.
Product: Mortgage

Real Estate Agent XXXX XXXX was currently working with Paramount Residential Mortgage Company, PRMG Loan Officers XXXX XXXX NMLS # XXXX XXXX XXXX NMLS # XXXX On two of these files, XXXX recommended the use of a credit repair service in order to raise the clients credit. This resulted in the credit repair company stealing the monies from both clients and XXXX did not want to help with the situation after his recommendation. 

This occurred twice. The last file I removed from XXXX XXXX office in order to close with another financial institution. 

XXXX has been doing this to clients with no reprocussions.
Product: Money transfer, virtual currency, or money service

Funds transfer to my account via XXXX are being held as 'pending '. 
Reason given was it was over the weekend. 
Now it's Monday and the funds are still 'pending '. 
Spoke to a JPMC supervisor who admitted that if the funds were sent via XXXX right now, Monday morning, they would be available immediately. However, funds sent yesterday, Sunday, will be pending until XXXX EST. 

These funds were sent by a tenant to avoid eviction by the Constable this morning. JP Morgan Chase is not party to a woman and her XXXX XXXX XXXX children being out on the street.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED SEVERAL TIMES TO GET XXXX PREVIOUS INACCURATE ADDRESS OFF MY REPORT AS I NEVER USED IT OR LIVED THERE, SEE LETTER ATTACHED
Product: Checking or savings account

XX/XX/18 - I checked online to verify if my employment direct deposit posted. While reviewing the account, I noticed my account was closed on XX/XX/18 - CLOSEOUT TRANSACTION - DDA INT BEARING. Due to the unexpected account closure, my direct deposit was rejected and I will not receive my funds from my employer for another two weeks ... XX/XX/18. I called Wells Fargo on XX/XX/18 and no customer service rep could provide an answer as to why my account was closed. I never received an email or mail notification prior to closure. I later find out that my account was closed because there was no customer generated activity after 61 days. There was numerous transactions in the last 60 days but no ATM withdrawals. I was overseas on work assignment for 7 weeks so I guess this is how Wells Fargo treat its longstanding customers by removing them. My account needs to be reopened immediately. I received an email regarding the acct closure on XX/XX/18 ... only after I complained about not receiving any notification. Please help.
Product: Checking or savings account

1. I received an Certificate of Deposit offer in the mail from Citibank where I do my banking. 

2. Since I had an existing interest bearing IRA account with Citibank practically getting negative returns after fees, I decided to participate in this CD offer@ 2.5 % interest. 

3. My personal banker informed me she was unable to handle the transaction so I had to work with the branch bank president because it was offer from the retirement division of Citibank. As a customer of this institution wouldn't the president act as a fiduciary in this transaction? 

4. Late in the afternoon we went through an application about 7 pages first which seemed correct. After which he created an IRA transfer document with the dollar amount. I had to sign both these documents and be hurried out for closing of the bank. 

5. Assuming he took care of all the details I wrote the maturity date on the cover of the folder containing all the documents and filed it at home marked a personal calendar as a reminder when to move the funds 18 months later. 

6. I recently went to move the funds after 18 months only to discover he never established a CD at 2.5 % instead he failed to fill out the paperwork correctly and had it in an interest bearing account at .005 %. 

7. I tried every way to get this bank to remedy the problem and they refused because the incorrectly filled out transfer paper was a signed contract. 

8. Now, do I have a chance in ( Help ) to correct this {$1000.00} dollar lose? This bank Pres. is supposed to act as my fiduciary and protect my interest not pull a bait and switch on a 20+ year customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a job which pays via credit card and my information was stolen and is now being used in other area for credit use. 

The job was listed on XXXX for mystery shopping for consumer research as it was listed.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws by [ name the creditors/collection agencies involved, e.g., " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the credit reporting agencies ( XXXX, TransUnion, and XXXX ) '' ]. 

Upon reviewing my credit report dated [ Insert Date of Report ], I identified serious issues with the reporting of a collection account associated with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Below, I will outline the inaccuracies and legal violations that have impacted my creditworthiness and caused significant harm : XXXX. Violations of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting Inaccurate or Misleading Information Issue : The same debt is reported by both the original creditor ( XXXX XXXX XXXXXXXX XXXX XXXX and the collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX This results in duplicate reporting of a single debt, misleading creditors and lenders. 
Impact : This duplication artificially lowers my XXXX XXXX and misrepresents my financial obligations. 
2. Violations of 15 U.S.C. 1681e ( b ) Inaccurate and Inconsistent Reporting Issue : There are discrepancies between the information reported by XXXX, TransUnion, and XXXX : XXXX lists the collection agency as XXXX, which is unclear and inconsistent with other XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but XXXX omits this information. 
The account statuses are inconsistent. XXXX lists the status as " Unpaid, '' while TransUnion and XXXX list it as " XXXX Account. '' XXXX. Violations of 15 U.S.C. 1681s-2 ( a ) ( 2 ) Failure to Update or Correct Information Issue : The debt was assigned to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, but XXXX XXXX XXXXXXXX XXXX XXXX XXXX report the debt. This failure to update or correct the account after the transfer creates inaccurate and misleading information. 
Impact on Me as a Consumer These violations of the Fair Credit Reporting Act have : Harmed my XXXX XXXX due to duplicate reporting. 
Caused confusion about the status and ownership of the debt. 
Made it difficult for me to apply for credit, leading to higher interest rates and financial harm.
Product: Credit reporting or other personal consumer reports

After reviewing my Transunion consumer report I noticed a collection that shouldn't be reporting. The collection is from XXXX XXXX XXXX collection company and the original creditor being XXXX XXXX XXXX with a balance of {$220.00}. This debt is wrong and misleading information which hinders my credit worthiness. I've already reached out to Credence via certified mail requesting validation and verification of the debt as well as disputing the debt entirely. I then followed up with writing Transunion as well disputing the negative item and to inform them that I've contacted the debt collector also. To my understanding XXXX XXXX XXXX has 48 business hours upon receiving my dispute to stop any form of communication within the 30 day validation period. Communication being via phone, email, contacting any employers, as well as reporting of any negative items and or information to any of my consumer reports. XXXX XXXX XXXX HAS NOT validated or verified anything nor can they due to his debt being false and misleading information. Transunion also HAS NOT removed this particular item from my consumer report nor marked it as in dispute. I've also attached a copy of my original letter to XXXX XXXX XXXX along with certification it was sent and the return receipt showing it was received also. Certification of my Transunion letter being sent as well as return receipt showing that it was received. I also included my updated XXXX and XXXX consumer reports showing that this debt is not included in those consumer reports at all. To my understanding this is a clear violation of 15 US code 1692e with this being false and misleading information. This is also a clear violation of 15 US code 1692g due to the debt collector NOT ceasing any efforts of collecting without the debt being validated as well as NOT removing the debt from my consumer report Nor marking it as " in dispute ''.
Product: Credit reporting

I never signed nor endorsed any contract or applications that gave authorization to this company that created multiple inquiries into my credit profile. Someone has unlawfully used my name, unambiguous information and endorsements. Additionally the company did not have a permissible purpose to inquire into my credit profile. These inquiries were done without my knowledge, authorization, consent and or signature.
Product: Checking or savings account

I used XXXX XXXX ATM to withdraw {$240.00} cash, but its ATM only dispensed {$220.00} to me ( {$20.00} short ). On XX/XX/2017 at XXXX, I used XXXX XXXX ATM machine at XXXX XXXX XXXXXXXX XXXX. , XXXX , TX to withdraw money. I chose to withdraw {$240.00}, but the machine only dispensed {$220.00} ( actually 11 pieces of {$20.00} bills ). The ATM receipt showed that I withdrew {$240.00} and also my debit card transaction posted is also {$240.00}. Apparently the ATM machine of XXXX XXXX only gave me {$220.00}, but still charged to my debit card {$240.00}. 

I request Comerica Bank to refund me the over-charged {$20.00} due to their ATM error. For your information, the machine # is XXXX. Also the Record No is XXXX along with another sequence # in the receipt XXXX.
Product: Vehicle loan or lease

I purchased a used car from XXXX XXXX XXXX XXXX on XXXX XXXX, 2017. The Finance Manager unable to complete ALL of the documents that day. Took my Deposit of over {$4000.00} and told me to come back the following Friday XX/XX/XXXX, when he would have the final paperwork done. I showed up, he was n't there, he left NOTHING. I called him several times and then on XXXX XXXX 2017 I sent a fax to their general manager, XXXX XXXX. He finally got ANOTHER finance manager to XXXX ( took a few days ) me the final paperwork, which I signed on XXXX XXXX 2017. The problem, is they and they 're Bank started the loan on XX/XX/XXXX. They were sending me past due notices for 2 months on XXXX XXXX, 2017, BEFORE the paperwork was completed. I have called the bank, chatted with them ( copy enclosed ), they have done nothing. You see they are " Sub Prime '' lenders and are taking advantage of me. I do not have perfect credit, and that is why they 're charging me over 18 %. I am trying to repair my credit, but these people are liars and sharks. How could they start the clock ticking when paperwork was not finished due to incompetence by the dealer 's finance department. This loan should not be past due, it should have started on the XX/XX/XXXX, when the deal was  finalized. I need them to FIX this, refund their charges, make this loan current ( IT SHOULD BE ) and contact credit bureaus and send me an apology. Or Better Yet, Explain to You, The Government what they are trying to do. this is abusive by both parties!
Product: Mortgage

Loan # XXXX Specialized Loan Servicing, LLC ( XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX. 
XXXX XXXX, CO XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, CO XXXX Dear Sir, Greetings. The above mentioned company violated our rights multiple times via their negligence, intentional deceit and unfair business practices. 

This is our SIX Complaint against Specialized Loan Services, LLC for their belligerent and persistent violations of our privacy, negligence, ongoing campaign of unfair Business Practices, predatory practices, negligence, and fraudulent intents. 

In addition to Violation of " Fair Debt Collections Practices Act '' supplemented with evidence ( attached ), via the following : 1. Failed and continued to fail in issuing and providing Monthly Statement of Account for our Mortgage Loan.

2. Failed and continued to fail in crediting the Monthly Payments to the CORRECT month ; Posted clearly on the Cashed Checks, Listed Clearly on the Monthly Coupon provided by them and even after multiple written and verbal communications via mail, and phone calls, including Multiple Complaints to the FTC!

3. We received a letter from SLS today ( XX/XX/2021 ) referencing the WRONG payoff amount, the WRONG due date for next payment ( monthly payments made AHEAD OF TIME till XX/XX/2021 ). 

4. >>>>>Check # XXXX cashed on XX/XX/XXXX as a full payment for the month of XX/XX/2021. >>>> Check # XXXX Cashed on XX/XX/2021 as a full payment of the month of XX/XX/2021. Check # XXXX Cashed on XX/XX/2021 as a full payment for the month of XX/XX/2021. >>>> Check # XXXX Cashed on XX/XX/2021 as a full payment for the month of XX/XX/2021. ( Copies attached ) <<<<<< @ @ @ @ This ACCOUNT Monthly payments are PAID IN FULL, PAID IN ADVANCE AND CLEARLY INDICATED IN EACH AND EVERY CHECK ON THE TOP PART @ @ @ @ 5. Erroneous and unauthorized fees was levied to the account for Statement Fees {

$25.00}!! 6. Erroneous and unauthorized fees was levie
d to the account for Release Preparation fee
s {$20.00}!!

7. Finally LATE FEES for {$90.00}, in total a belligerent violation of our Contractual Agreement ( Mortgage Note ) which clearly states ( ZERO FEES ) can be charge at any time even when / if late. ( Cop of Mortgage Note attached ).
Product: Mortgage

He came to my attention that Wells Fargo was no longer to hold it in the course over my account also it came to my attention that money 's were not applied to the account properly so I asked for the full accounting of the account I also asked for the person or the company that was the holder in the course of the account I also asked for all security instruments to be known to me forfeit account and everybody that was involved in or with this account I also ask Wells Fargo to show me that I owed the debt that they were saying that I owed I also asked Wells Fargo to settle this dead and close it to XXXX by sending in the promissory no sign sending in the instruments and Wells Fargo took all of the instruments now that I sent them to pay the account said they only take cash but kept the instruments and never responded anything but saying that they only take XXXX currency as far as cash is concerned to settle the debt on the account but it came to my attention that they also filed cancellations with the XXXX XXXXXXXX a bc and oid I sent then back the paperwork and the note and coupon accepted for value they keep but did not set the account for XXXX the in the mist the put it in action with out notice and sent the notice weeks after.
Product: Credit card or prepaid card

I saw a fee on my credit card for XXXX from XXXX. I signed up for a free trial period using my maiden name, The Chase credit card that I gave XXXX had my married name. The charge went through even though the name submitted to XXXX was different from the name on the credit card. I spoke to XXXX and they reversed the charge, however when I called up Chase I was told that they will honor credit card purchases even if the name submitted is different than the name on the credit card .... ( What? ). 

At that point I decided I would probably close the account so I monitored it just to make sure there were no outstanding balances. On XX/XX/XXXX I had paid off a XXXX balance and on XX/XX/XXXX the last remaining purchase of XXXX. My payment was typically due on the XXXX of each month and I went online continually to check on the XXXX balance as I was planning on closing out the account at the end of month. On XX/XX/XXXX ( after the billing cycle ), I was charged XXXX. When I called to find out what is was, I was told it was an interest charge from the previous month ... .even though I paid the card in full almost 3 weeks prior to this charge. I was a banker for many years and there is no such thing as a finance interest credit card charge on a XXXX balance.