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

On XX/XX/2020 I attempted to widraw XXXX XXXX Baht from a XXXX XXXX XXXX  ATM located in front of the XXXX XXXX Hospital. 

The ATM was a free standing unit outside of the hospital. After entering my PIN, I waited for the machine to dispense the cash, it didn't. The ATM went blank, like a computer that was shut off. It came back to life after about 10-15 seconds and gave a receipt, however, didn't dispense any cash. 

I disputed the charge with my bank and all they say is they received documentation that showed I received the cash. 

I did not, they've deducted the money from my account and as an XXXX yr old widow, I can't afford to lose that type of money when nothing that happened was my fault. I may be old but I'm not stupid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the last credit report ( which I have attached as an attachment ) which was sent to me it says that the XXXX XXXX XXXXXXXX account will be deleted 7 years from the date of last activity but on the credit report the date of last activity is missing. So, it can not be truly know when this account should be deleted as information is missing. The Fair credit reporting Act ( which I have attached a copy of ) said that if information on a credit report is incomplete, in accurate or unverifiable then such an account should be deleted from the persons credit report. This account is incomplete as it is missing crucial information and lacks the date of last activity. This date is crucial in determining when the account should fall off the credit report. 
Kindly delete XXXX XXXXXXXX XXXX from my credit report as it is incomplete. The date of last activity is the date that the last payment was made before the account alledgedly went into a charged off status. Additional violations are noted in the letter which I have attached. These violations are noted in the letter and highlighted on the copy of the Fair Credit Reporting Act which I have submitted.
Product: Credit reporting or other personal consumer reports

I am not sure what is going on but my XXXX XXXX dropped XXXX points due to XXXX account being closed, XXXX XXXX. My score went from XXXX to XXXX due to this change. This is unethical and problematic for me due to not closing the account and XXXX account close should not drastically affect my XXXX XXXX.
Product: Mortgage

I am reaching out for help. My mortgage payment adjusted in XXXX of this year and increased by over {$1300.00} per month. I can not afford this payment and requested a modification from my mortgage servicer. They told me I did not qualify because my account was not delinquent. I can not refinance as my house is worth far less than I owe, and my loan is not owned by XXXX or XXXX XXXX so I do not qualify for the HARP program. I am stuck, I can not refinance and do n't feel that I should ruin my credit rating to seek relief from my mortgage servicer? Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for credit twice, But loan officer aren't being transparent.. When I've asked which Agency they pull from.. They lead me to believe only one they pull, I real time it ends up being two agencies..
Product: Credit reporting or other personal consumer reports

My recent consumer report is showing unauthorized and unverified inquiries from Navy Federal the inquiry date is XXXX XXXX, XXXX XXXX, XX/XX/year>, XXXX, XXXX, XXXX XXXX, and XXXX XXXX. These unauthorized inquiries are hindering me from utilizing my credit according to 15 U.S code 1602 ( p ) these unauthorized inquiries needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX  and XX/XX/2024, Discover Financial Services made an unauthorized " hard inquiry '' from all XXXX major credit reporting agencies. I asked that the hard inquiry be removed from credit report.
Product: Debt collection

need cedar financial to refrain from contacting me. receiving demand for roughly 600USD. they are stating that I violated city pedestrian code while vacationing in XXXX almost 3 years ago.
Product: Mortgage

This is the second complaint I have with Ocwen Loan Servicing. Ocwen did not pay my homeowner 's insurance and therefore it was canceled. This was after numerous calls with Ocwen to get it paid. I even had a 3 way call with Ocwen and my insurance agent. I thought it was taken care of since Ocwen stated they were going to XXXX the payment. I found out it was never done and I no longer have insurance. I lost my low deductible and my low premium for being a long term client. Ocwen put forced place coverage on my account and raised my payment. I have several calls to Ocwen 's Ombudsman team and manager ( XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX ). They will not give me help resolving the increase in my payment due to their error or resolving the loss of insurance. I have not been able to get new insurance. I will never be able to get the same deductible or payment for homeowners. I have called several insurance companies and get the same response either I wo n't be insured or a way higher amount than what I was paying. This was not my error. I have always been current on my mortgage. This has caused me a heavy burden. I have been fighting with them for 2 years now. I need a solution of how Ocwen is going to fix their error and a resolution of how I am going to be compensated for their error. I should have have to increase my payment for their error. I should not have to be penalized for the rest of my life for the loss of insurance ( deductible and payment ). How am I being protected from a Servicer that conducts business this way? I need this complaint resolved immediately. The last complaint was just forwarded to Ocwen but never resolved. This is unacceptable.
Product: Debt collection

Mid Atlantic Finance Company ( a debt buyer ) has indicated that it purchased an active contract from an original creditor which gives them the right to collect from me. 

I have repetitively requested that they provide evidence of the assignment of debt that they claim to have which provides them with the right to collect from me according to the Fair Debt Collection Practices Act. I have NO CONTRACT with this company. They assert that they purchased the debt but they have have not provided me with any documentation which provides them with the right to collect from me. I demand a copy of the assignment of debt or the bill of sale which assigns them the right to collect from me and continue to report this on my credit profile. 

Mid Atlantic Finance Company is in breach of the FDCPA 15USC1692c and 15USC1692d b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

( d ) Consumer defined For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

15 USC 1692d I demand that this company cease all collection efforts until they have provided me a copy of a contract between me and them and a bill of sale which provides them the right to legally collect from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XXXX. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. XXXX XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact XXXX XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.
Product: Credit card or prepaid card

On XX/XX/2021 my credit card was charged for a total of about {$4200.00} for a hotel in XXXX and i was in the USA at the time of the transaction. at first they did reverse it while they did research but then it was back on my account. i disputed it multiple times and even did 2 appeals and they arent resolving it. they just keep sending me in circles saying theyll escalate it and that they will contact me before making a decision with further questions. I keep getting letters saying we tried to reach you so we closed your case and determined the charges are correct and you are responsible for paying it. I never got communications. i even verified all emails, addresses, and phone numbers. They said they have no record of anyone reaching out. I want this charge taken off because i shouldnt be charged or penalized for fraud that wasnt even me.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PREVIOUS COMPLAINT WAS CLOSED! BECAUSE SOMEONE CLAIMED I HAD REPORTD IT BEFORE. 
NO! I HAVE NOT REPORTED LEXIS NEXIS BEFORE! AND I WANT MY COMPLAINT DEALTH WITH SERIOUSLY! 

Lexis Nexis has gathered all my life 's history without permission and put it out in their database to sell to companies requiring my insurance and driving history and companies that are not in the car or house insurance business such as XXXX XXXX. I do not have a relationship with XXXX XXXX. Lexis nexis should only provide pertinent insurance and driving record and some records there are more than XXXX XXXX XXXX and should not be used in decision making process of the requesting entity. Lexis nexis put 's in credit reports and scores in their database which they shouldn't and the reports are inaccurate and out of date. Lexis nexis is in the business to make consumers look as bad as possible so they can justify their fees which result in consumers paying a much higher rate for insurance for the consumer. I have reached out to Lexis Nexis to remove all my personal information not necessary to getting a quote for auto and car insurance, and told them to freeze my report but they have refused to do so, claiming it is a " permissible purpose '. I have include the report Lexis Nexis is providing to anyone who asks. This is an invasion of privacy and is against the law. Lexis Nexis has placed a link in my XXXX credit report XXXX XXXX XXXX XXXX so third parties can request my Lexis Nexis report. This is against the law. 
XXXX XXXX TO OPEN PDF IS ( supplied by Nexis Lexis ) XXXX
Product: Payday loan, title loan, or personal loan

XXXX loaned a fixed sum of {$900.00} on XX/XX/XXXX and was paid back in full with interest. 

One of the payments made on XX/XX/XXXX for {$110.00} failed to process due to an unknown and unexplained error by mobiloans.com. 

I notified Mobiloans on XX/XX/XXXX that this payment was not deducted even though the payment was properly reflected on my account balance statement. This loan was subsequently paid in full. Several months later, on XX/XX/XXXX, Mobilloans sent this email. 

Dear [ XXXX ], Please note, this email is for information purposes only and no action is required on your behalf. 

Our records indicate that the payment reflected on your Mobiloans account for XX/XX/XXXX was not actually processed by your bank. 

We will add this unprocessed payment amount to your principal and overall balance. These new balances will be reflected immediately in your account. You will have XXXX billing cycles to make up this payment. 

If you have any questions, please contact Customer Support at XXXX Sincerely, The Mobiloans Team On XX/XX/XXXX, I checked the online balance and it was higher than this {$110.00} payment. 

This unknown line item charge was added without my knowledge or any notiifcation XXXX on XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX FFC at 10 % Off {$9.00} {$36.00} {$120.00} Due to their error, XXXX is now requiring an automatically payment in the amount of {$120.00} from my bank account. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed for an amount of XXXX XXXX company. The collection is reported even though this account was closed, paid and equipment returned. No OTHER ACCOUTS BELONGs TO ME with this company.
Product: Credit card or prepaid card

XX/XX/XXXX account was opened I didnt do they used my person bank account to open i disputed all accounts with capital one and they just now closed it and sent money to my bank that was closed due to fraud activity told them its been well over 90 days XX/XX/XXXX now and they cant give me no information as the capital one credit card account was closed I have proof they sent it but now they say they cant use my new bank account I was promised 90 days Id see my money now 9 months still got nothing I need my {$250.00} and I need my money
Product: Debt collection

Upon trying to get XXXX wireless cellular phone service I was informed by one of the representatives that I had accounts open in my name that I did not authorize or know anything about for over XXXX XXXXXXXX dollars. The fraud prevention specialists then inform me to make out a police report and provide proof of my address and identification and send back to XXXX XXXX. Upon doing that I looked on my credit report and notice all types of inquirys and accounts in my name that I didnt authorize or know anything about. Someone run my credit for a car loan and put more then ten inquirys on my credit. Also I have inquirys for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also a account for XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that i did not authorize.
Product: Credit reporting or other personal consumer reports

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX Experian and XXXX will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : XXXX XXXX
Product: Checking or savings account

I dont have exact dates, but what it was in between the years of XXXX and XXXX ATM fee withdrawal fees
Product: Credit reporting, credit repair services, or other personal consumer reports

To whon it may concern. I had a XXXX XXXX in XXXX I was very happy with that and now I have a new XXXX XXXX XXXX. I took out my credit report and I was all shocked. seeing a late payment on the XXXX XXXX XXXX when I called them they told me I was 60 days late .I told them that I never got any letter in the mail they told me you have to know without getting your statement in the mail. But I was paying online auto pay and how should I know that the payment did n't went thru with out getting a letter in mail. Then I went to toyota financial They ignored it. Please help me They should take down the negative late payment from my credit report as soon as possible because i never got any letter or email that the payment did n't go through how in the world should I know to make a payment thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following account as the last payment on the account was made over 7 years ago : XXXX XXXXXXXX XXXX  account XXXX In response to my previous complaint regarding this matter, Equifax advised that XXXX XXXXXXXX confirmed that the last payment was made less than 7 years ago but did not provide any proof or even say what the date of the last alleged payment was. Please request XXXX XXXX to provide that information to support their allegation.
Product: Mortgage

I attempted to get my house refinanced with Chase Bank. After speaking with XXXX XXXX NMLS ID XXXX, he informed me everything looked great! My credit was excellent, my income and assets were great! After initially telling me the loan was approved, Chase quickly realized it was n't in their best interest to approve the loan, because the interest rate would have declined almost XXXX points. 

XXXX was very reluctant to do any email communications, instead he wanted to discuss the issue over the phone. I own XXXX businesses which are XXXX 's, which basically flows all income through my personal income tax. XXXX knew this up front and it did n't seem to be an issue. I was able to show XXXX over $ XXXX in liquid and I make over $ XXXX a year. My credit score is XXXX. 

When it came closer to the closing, XXXX informed me that Chase could not refinance my mortgage and gave me the following excuse as to why they could n't : '' The guideline states that we can not use business account money for the cash needed on the refinance. XXXX statements have your name of the business and can not be used. 
The only way if you wish to continue with the approval process, is if you can provide me with 2 months bank statements with all pages with just your name on it that can support $ XXXX. " Please note Section 37.13 ( b ) of XXXX Guidelines. 

Since LLC income flows through my personal income tax, I did n't see how this should be an issue, it was simply a matter of me transferring the money to my personal account. But, to circumvent me doing so, he wanted to make sure the money was in my personal account for 2-3 months prior. Since I bank and have all of my business accounts with Chase, they know my banking history and where all my money is located. 

Please have someone look into this issue. I do n't see any reason Chase would have denied my refinance claim. Furthermore, Chase agreed to return the {$570.00} back to me, but I still have n't received that back either. 

Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with these various companies they informed me they would look into it I still havent seen anything done yet
Product: Mortgage

Our daughter died six years ago and the bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney XXXX that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX where we met with XXXX attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney XXXX to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX of 2015 for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX XXXX XXXX retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact.
Product: Mortgage

My husband was a XXXX as a result of XXXX. I had a lot of bills to pay after he passed and failed to cash XXXX checks and found them last year as I was cleaning up my home. I contacted OCWEN and was told by OCWEN to submit the checks to be reissued which I did on XXXX XXXX, XXXX ( attached ). Over a year went by and I got no response. I contacted them again earlier this year and finally received a response from them dated XXXX XXXX, XXXX ( attached ). In my view their response is purposely very confusing and they claim my ( by then ) dead husband had confirmed receipt in XX/XX/XXXX and as such they are refusing to reissue my checks and refusing to send me the money which is rightfully mine. We are talking over {$12000.00}. I just sent them another letter today asking them to reissue the checks and pointing out my husband was dead when they claim he confirmed receipt. Regardless of whether the checks had been received none were ever cashed and they have my money to this day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX - XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX5 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.