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

On Wednesday XX/XX/XXXX I received check # XXXX in the amount of {$1400.00} intomy checking account ending in XXXX. The check is from my employer XXXX XXXX. Citibank stated the check was fraudulent saying it look altered and XXXX XXXX  ( the account check drawn off of ) said it was not a good check. I called Citibank fraud department to inform the check is valid with the controller and ceo of XXXX on the phone. I was treated rudely and issue not resolved. I went in person on XX/XX/XXXX to talk to a personal banker for assistance and to prove my check is not fraudulent. I gave the company contact information and I asked them to verify the check. They are in the process of closing all my accounts and are telling me I have to wait 30-60days to get my funds. I have a rent payment and car note payment due. I am being treated unfairly
Product: Credit reporting, credit repair services, or other personal consumer reports

I already filed the dispute from FTC report and filed the police report on authorized but the hard inquiries are still remaining only on Transunion XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of a charge-off account listed on my credit report. Upon reviewing my report, I noticed that XXXX XXXX is reporting a charge-off status, which I believe is inaccurate, outdated, or unverifiable. Under the Fair Credit Reporting Act ( FCRA ) 1681i, I have the right to dispute any incorrect or unverifiable information on my credit file. 

The details of the disputed account are as follows : Creditor Name : XXXX XXXX Date Closed : XXXX  Pay Status : >Charge-Off< This charge-off is negatively impacting my credit score and does not accurately reflect my current financial standing. I request that TransUnion : Provide documented proof that this charge-off is accurate, verified, and belongs to me. 
If verification is not available, remove the charge-off entry from my credit file immediately. 
Correct any inaccurate or outdated information related to this account. 
Please provide me with written confirmation once this request has been processed. I have attached a highlighted copy of my credit report showing the disputed account for your reference.
Product: Money transfer, virtual currency, or money service

So on XX/XX/2020 at XXXX I was approached via offer up customer that wanted to buy my tablet I was selling and he told he he would give me more then I asked for so I asked for XXXX and he was gon na give me XXXX and well he told me he would pay it thru XXXX so I was like okay thats fine and I then I received a message from XXXX saying that I needed to send the tracking number so I did and then he asked me to give him XXXX dollars because the shipping that I payed was less then he expected so I did that and well it seems odd to me cause I would only receive emails from the suppose XXXX but on my XXXX app it would notify that that theres a pending transaction so it seemed sketchy to me But I trusted the guy and wel then the email texted me saying in order to credit my XXXX account they I need to send the buyer XXXX to make my account a business account In order for them to procces the money the buyer owed me so I did that trusting in the situation but then they hit me with the next day that I needed to send the buyer thru Cashapp an extra XXXX cause supposley the buyer send XXXX extra but I didnt belive it it seems so much like a scam and he even was being aggressive for me to send the XXXX right away and When I told him that This felt like a scam he hit me with I dont want u playing games or else imma send ur information to the fbi wen all I have been was being compliant with everything and he threaten me as well multiple times and I have text messages to prove it and the fund that I send where thru ( Cashapp ) I really want to recover my XXXX dollars please help me get out of this scam I also went ahead contact ups and they are in the procces of returning my XXXX  that I had delivered and they problem is he took from me XXXX and I requested a refund thru cash app and the guy that scammed me declined my refund and also I replied to the suppose XXXX email that it was a scam and they didnt respond back so it seemed even more weird that they could have been like its not but they didnt deny it and in the picture imma show u it shows there just a heads up on the messages of the screen shot I send you guys Im the color green bubble hes the black bubble
Product: Debt collection

I received a text message that I owed a debt to either call. The phone number are going onto the website. I went to the website and I was confused because I was trying to find the original debt to contact them to find out what I even owed money for. I then called the phone number, and the Lady told me out of debt from XX/XX/2015 for {$60.00}. I asked if she could please tell me the providers name address or phone number so I could get in contact with them about the debt. She told me the only thing that she saw on the note was that it was located in XXXXXXXX XXXX. I had explained to her that I had only lived ever in XXXX XXXX XXXX, and I have never visited XXXX. She told me that XXXX was a headquarters office. I asked if she could please provide me with a paper copy of the debt and she told me one was sent back in XXXX. I had informed her that I did not receive anything in XXXX could you please send me a paper copy of my debt. She told me that she could either email it to me or she could send it to me in a text message. I asked her if she could please send me a physical copy to my address since I had not received the one back in XXXX she informed me that it is not their responsibility to keep sending copies out to the homes of people who lost them. I told her that I never originally receive the one from XXXX, that I am working on paying all my debts so I would not have lost it. I asked again for the third time to please have a physical copy sent to my house and she told me thats not gon na happen because their company loses too much money on sending out notices. I asked her if she could please provide any more information and she told me to XXXX it. She told me that she XXXX XXXX XXXX XXXX XXXX and it came right up. I asked her for the phone number that she XXXX and she told me that is my responsibility to look this information up. She gave me my invoice number of XXXX. She said she had my intake form with all my information on it. And to me thats a violation of HIPAA. She was very rude to me and she kept trying to rush me off the phone saying if thats all that I can do for you then thank you and have a nice day. I said I really would like a physical copy of my debt sent to my home, she said she was not going to do that. I told her it was her responsibility to send me one per request or I could report this. She said, who am I gon na report her to and she hung up on me.
Product: Credit reporting or other personal consumer reports

I have been with XXXX XXXX since XXXX of XXXX. My monthly mortgage payments were {$2100.00}. I have been paying every month, on time with more than minimum. I pay {$2200.00} every month on the XXXX of the month. XX/XX/XXXX of XXXX my {$2200.00} payment was submitted by auto-pay. My next statement showed a mortgage increase to {$2200.00}. This was received after my XXXX autopayment. XX/XX/XXXX I submitted my payment for {$2300.00} by auto-pay. 

XXXX XXXX I received notification that I was subject to foreclosure due to missing my XXXX payment. I called XXXX XXXX and was informed that because my XX/XX/XXXX payment was not the total of {$2200.00} therefore it was not appropriated to my mortgage but just sitting there as unappropriated towards nothing. I asked her to fix it and she stated that she would. 

Yesterday, I received notification that my credit score dropped by XXXX points due to XXXX XXXX reporting me as 30 days late on my mortgage. I again called and was told that because the {$2200.00} was not the full amount it was not considered a mortgage payment and thus I was 30 days late. 

1. ) I was not properly notified before my XX/XX/XXXX auto-payment that my mortgage was increased or I would have adjusted my auto-payment like I did in XXXX. I received no formal notice in advance of the increase in my mortgage statement. I only found out it was increased due to looking at my XXXX statement and noticing the increase. 
2. ) If my {$2200.00} payment was insufficient why has it not been returned to me and is being held by the company as unappropriated? That payment is not good enough for my mortgage but good enough to keep my payment? And what are you using my {$2200.00} for if you are not applying it to my mortgage, escrow, or principal? 
3. ) If XXXX XXXX refuses to reappropriate my XX/XX/XXXX payment towards my mortgage then I demand that money back plus interest. 
4. ) I demand they rescind the delinquency on my credit report as it is inaccurate and false reporting.

5. ) I have been a loyal customer. I have put my payments on autopayment through my bank to avoid missing a payment or late fees which is what any responsible individual would do. I am a XXXX XXXX with a XXXX degree and my husband is a XXXX XXXX. We are taxpaying, responsible citizens and I feel we are being punished for nothing. This is unacceptable.
Product: Debt collection

I currently have an outstanding balance owed to XXXX XXXX for the amount of {$2500.00}. The balance has since been forwarded to a collection agency who is reporting a negative report on my credit. I was enrolled in a repayment plan in XXXX ; however, I am now doing an overseas tour with the XXXX XXXX and have lost communication with the debtor. I want to repay the amount owed however I want to request to remove the negative report from my credit as I was not able to receive notifications of the collections. This issue is now causing a decline in my credit score and will impede me from continuing my education in the future.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I got my federal taxes of XXXX. I went to XXXX to get money off my card and the card kept declining. I got on the app and requested a call to figure out what was going on. I got a phone call for who was suppose to be a member of cash app. They tell me my account had been locked because it was a business account. They tell me that I have to transfer the money a that it would be back within a couple hours. They have me send XXXX to a green dot card XXXX to XXXX  an XXXX to some place else. When I called to dispute it an hopefully get my money back they told me no a that it was my fault. But I requested a called from them a the me scammer called me so none of that was my fault!
Product: Student loan

Although I asked my student loan servicer to place me in the Income-Driven student loan repayment plan with the lowest payment, it placed me in a plan with a payment that was about {$500.00} higher than a payment I was eligible for. The details are below. In XX/XX/2016, I submitted an " Income-Driven Repayment Plan Request '' ( Federal OMB form no. 1845-0102 ) to have my servicer, Nelnet, calculate my payment under the above quoted form of student loan repayment. I asked, in Section 2, item 2, that " I want my loan holder to place me on the plan with the lowest monthly payment. '' As shown in numerous cites, e.g. the one below, at this time a new repayment program with the acronym REPAYE had come out that ( a ) was a plan for which I was eligible because my student loans are " direct '' loans as shown on my balance sheet from studentloans.gov and ( b ) caps the payment at 10 % of discretionary income. Instead of putting me in that plan, they placed me in the IBR plan, which caps payments at 15 % of discretionary income. This cost me {$500.00} a month extra over the past 8 months or so. 
XXXX
Product: Credit reporting

There is a federal tax lien on my credit report that needs to be removed. The lien has been paid and released as you will see in the documentation provided. I have contacted the credit bureau to have this removed and they will not. I have asked for the reporting person or entity that put this on my record and they will not provide me with anything other that the XXXX County Recorder of Deeds office. I have contacted this office to see if they would remove it from my credit report and they informed me that they did not report it to any of the credit bureaus nor do they ever. They only file it as a public record. When I informed the credit bureau of this they insist that they communicate electronically with the reporting entity and they are waiting for a response. I then asked " well if you communicate electronically with the reporting entity, who is the person on the other end that will answer you? '' They said that it was an employee with the XXXX County court system and that they would respond. I asked once again who that was and they refused to provide me with a name. I then did some more investigating and actually talked with the XXXX County Commissioner ( XXXX XXXX phone number XXXX ) and he did some research for me. He states that the Court case number and the docket number provided to me by the credit bureau belongs to XXXX County and that the Federal tax lien does not show up in their records for me. He further stated that neither him nor any department in the XXXX Count Court system reports anything to any of the credit bureaus. I also spoke with the IRS who had the court place the lien on me and they told me that they were not the ones who reported to the credit bureau. Like the court system they say that they never report tax liens to the credit bureaus. I can not get any information from the credit bureaus so that I can contact someone to try and get this removed. With everything else that is on my credit report I have contact information of someone that I can contact to try and resolve the situation and resolve the matter. I do not have that same opportunity with my tax lien as the information being given to me by the credit bureau is false.
Product: Credit card or prepaid card

Netspend has block my account and will not allow me to access my money because of a previous balance with another Netspend card I no longer have. Netspend will not give me any information Im writing stating why. I cant get my money out of the account nor access it.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX. XXXX, XXXX. 
Since Then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a decision of the following account. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$4600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$4100.00} XX/XX/XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$690.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$60.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$970.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a complaint to Equifax and disputed several items. In that dispute I requested to get the information they had to prove the accounts were valid as several of the accounts were not in fact valid. The dispute came back with only wording stating we verified that this account is in fact yours and no information to back up if it truly is mine or not. No way for me to verify or validate that it is mine as several of the items are still questionable. Several inquiries on my report were not done by me or given permission to obtain my report. Equifax has refused to remove them. They are as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and Equifax mortgage services. I did not give these companies permission to run my credit. 

There are a few accounts as well showing on my reports to which I have not received any validation from them or Equifax showing they are true and valid. They are as follows : XXXX XXXX they just tell me that this item belongs to me without any validation to the actual item. 

XXXX XXXX  they just tell me that this item belongs to me without any validation to the actual item as this account was input with my bankruptcy which was XXXX and has since been removed from my report. 

The XXXX XXXX XXXXi they just tell me they have verified that it belongs to me when theres nothing that says otherwise and no proof. 

XXXX XXXX XXXX also tells me that they have verified that the account belongs to me and nothing shows further from the truth except taking the companies word for it.
Product: Mortgage

We contacted PHH on multiple occassions to obtain a payoff. They finally after multiple times provided a payoff for XXXX & XXXX. Which delayed our closing until XXXX. However, we had to pay the whole {$2700.00} in interest for 31 days and they state that according to fha rules they must collect the whole month in which i know that is the case but during a payoff why should they be able to keep those funds when it when we closed on XXXX? I know there were several law suits in the past over this. I was already very disappointed in them because for over a years time we sent in for requests and forms to stop charging pmi on our loan. They continue too state that we had to submit a request annd send in a form. We did this multiple times which cost us over {$200.00} mo. They blamed some on covid but i dont believe that every time my form was lost.
Product: Credit card or prepaid card

XXXX credit card and I received a card with micro chip in the mail. 
2.XXXXcompany made aware on XXXX 3.XXXX XXXX account opened in my maiden name which I haven't used in over 20 years-XXXX they were made aware the account is fraudulent. 
4.XXXX-mastercard account-I could not contact anyone on the phone about this one. 
5.XXXX debit card=Someone opened this under my first and middle name-reported XXXX 6.XXXX debit card=came with someone elses name on the card-I called and made then aware I didnt open this account. 
7.XXXX bank account-debit card with chip came in mail-made aware on XXXX 8.XXXX XXXX opened a bank account in my name-I made them aware on XXXX 9XXXX XXXX-bank account opened in my name-made aware in XXXX 10.XXXX XXXXXXXX XXXX XXXX opened a bank account-called -made aware XXXX
Product: Debt collection

The medical debt in question is past the statue of limitations. In violation of FCRA the collection agency is re-aging the account and presenting it as current. 

I called on XXXX the collection agency involved complaining about the account and they promised to have it deleted in 72 hours from the credit reporting. It has been a full week now and that account has not been deleted. I called the collection agency a 2nd time on XXXX and they promised a 2nd time that the request to delete account had been sent to the credit reporting agencies. The names of the managers that I spoke with at the collection agency are XXXX and XXXX. I was transferred by a receptionist at the collection agency to managers XXXX and XXXX who answered the call from XXXX. 

The collection agency is called Credit Management Company in XXXX PA. Phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a been a victim of identity theft and have unauthorized INQUIRIES on my credit report.
Product: Debt collection

I've asked them to please stop calling my work. They know it's my work and they keep calling. I've told them I will get a lawyer involved they obviously didn't care because they keep calling me here at work. They've called at least 4 times or more at least once a day. The last phone call which was this morning @ XXXX XXXX on XX/XX/XXXX18 I told them I'm going to call the local authorities and the lady told me that's fine. I have them on a recorded line each time they have called and have notified my employer of this as I feel they are harassing me. This needs to stop. The other times they have called me are : XX/XX/18 @ XXXX XXXX XX/XX/18 @ XXXX XXXX  XX/XX/18 @ XXXX XXXX
Product: Credit reporting or other personal consumer reports

Portfolio Recovery Associates LLC purchased a collection from the original creditor XXXX XXXX XXXX. This original debt was over XXXX  years and the collection, PRA, LLC still continues to report inaccurate delinquency dates on the credit bureaus and will not remove the negative collection from my credit report. I have tried to contact PRA, LLC several times and they refused to cooperate. At the advice of XXXX, XXXX of the credit bureaus suggested I write to the original creditor, Synchrony bank which I did and they sent me a letter saying that I am correct and this should be deleted or should have already been deleted from credit file. However, PRA, LLC will not comply. I will attach the letter from XXXX XXXX here or below in upload.
Product: Debt collection

LMM Morris and Montgomery Lockhart is a collection agency that contacted me about paying XXXX for breaching my contract with my last employer XXXX XXXX XXXX company but my contract was never breached I had worked out my full contract with that company and even filed a dispute and sent over pictures of the last load I was working on during that time, which had the dates on them as proof that I was still employed with XXXX  after my contract was over. My hired date with XXXX XXXX was XX/XX/XXXX and my contract started with them on XX/XX/XXXX which was the first day I was dispatched. My last day of employment with them ( which you will see from the pictures that I took on the work tablet that has the dates recorded on them ) was on XX/XX/XXXX, which was the morning I returned my keys to the office. A month after my initial conversation with Lockhart collections ' I reached back out to them regarding an update on any information about the case, at first LockharXXXX collection claimed that they never received anything from my end regarding a dispute and then realized that they gave me the wrong email address my to send my documents to. When I resubmitted the documents to the new email address that was given I never received anything back regarding the dispute, I was simply told that someone would reach out to me about it but they never did and I just received an email regarding my credit report that this claim was put on my ( XXXX XXXX ) credit.