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

On XX/XX/2022 I withdrew {$200.00} from M & T Bank 's ATM in XXXX, Maryland and received precisely {$200.00} routinely as expected. Then, on XX/XX/2022 they charged me an additional {$300.00} on the same checking account giving only a reason of " Misdispensing ''. 
Upon my inquiry to their office about the charge, they said their ATM malfunctions, thinking they dispensed {$500.00} instead of {$200.00} of my withdrawal. I disputed with them that I only received {$200.00} as requested. I was not aware of this incident until XXXX that's why I visited them on XX/XX/2022, since they never indicated of this charge to me until I used the ATM again on XX/XX/2022 and found out from the lower balance than expected on my account. Upon additional visit to their office I learned that their ATM had a video recording on each withdrawal cash, but never offered to show or confirmed that they used any kind of evidence to support such a charge to me. Nevertheless, it's their machine, it is under their control and I have nothing to do with it. I needed at least some evidence like documented by the machine like the video recording for them to make such a charge to me. The bank so far has provided no solution to this dispute upto now.
Product: Mortgage

Our Loan Officer, XXXX XXXX, Mortgage Consultant XXXX # XXXX, with Consumer Real Estate Finance Company. 
Has been more than usual rude, disrespectful, condescending, non-communicative, etc .... with us the clients, as well as with our Agent. 
Our agent called us a few days ago to inform us about his behavior with her. 
We informed her that he does have a tendency to sound and act unprofessional. 
So today, I was confused about a email we received and wanted to asks him a question and he exploded on me with his condescending manner and he basically said do n't call me I will call you if I wish to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take out the following objects as soon as you can : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR 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. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and discovered that I am the victim of Identity Theft. There are multiple Accounts/Inquiries on my credit report that I had no knowledge of and have never done business with these companies. I reported the Identity Theft to the Federal Trade Commission and completed an FTC Affidavit detailing the fraudulent information listed on my report. I reported this Fraudulent information all 3 of the Credit Bureaus. The allotted space on the FTC report is limited, so I listed as many accounts and inquiries as the report would allow. The FTC report only allows space for me to list five inquiries. There are over 20 fraudulent inquiries reporting on my file, so I listed as many as I could in the " personal statement '' section of the report. The FTC document only asks for the name of the Company who made the inquiry. It DOES NOT ask for the date of the inquiry. The FTC Report number is # XXXX. Equifax recieved a copy of my FTC report via certified mail on XX/XX/XXXX. When I called Equifax to confirm that my FTC report was received, I spoke to a Fraud Specialist who proceeded to violate my Consumer Rights by refusing to process a dispute of the fraudulent inquiries listed on my credit report. The Equifax Agent alleged that I could not dispute the Fraudulent Inquiries because there were no dates listed next to them. I was willing to clarify the dates over the phone but the Agent refused to dispute them. The Equifax agent 's actions were unlawful and unethical. Pursuant to FCRA 605B, 615 ( f ) & 623 ( a ) ( 6 ), an identity theft report can be used to Block fraudulent information resulting from identity theft and the fraudulent information should be blocked within 4 days of receipt of FTC report by the credit reporting agency. The following inquiries are the result of fraud and include the month and year : XXXX XX/XX/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 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
Product: Debt collection

I received a notification from a my credit monitoring service that a collection from Sequium Asset Solution has a collection for {$1200.00} for a collection that says that I owe a debt. On XX/XX/XXXX I called the company to asked why they reported this debt and never contacted me about this debt as report XX/XX/XXXX. I have never received a phone call nor written information for me to dispute this debt. This is not my debt I have been with my current cellphone company for 9 years and this debt is not mine and I have called to company to let them know I haven't received anything in written nor by phone of this debt and they put it on my credit report. I called this company any they have a XXXX Florida address where I have never I told them someone has committed fraud and they need to take that account off my credit report because that address I have never lived in that part of Florida ever. The reference number # XXXX and with an account number XXXX I have called twice to give this company my address to send correspondence I spoken to a XXXX XXXX to send and he hung up the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of this account from my credit report, which is the result of a fraudulent item origination and identity theft. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the XXXX XXXX XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I'd like this account deleted from my file ASAP : XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I logged into my mortgage account to make the payment, I saw that it said I was due for a larger amount which showed that I was due for both XXXX and XXXX. I called Freedom Mortgage and was told that my payment was returned on XX/XX/XXXX for no sufficient funds ; I was told by them to contact my bank as this is the record received from my bank. As told, I contacted my bank ( XXXX  ) I spoke to the representative there who stated that I did not have any records of NSF on my account for the month. The bank also stayed on the line with Freedom Mortgage to explain this information to them as well. The company asked that I send in a copy of my bank statements which I did that showed that my balances were sufficient and there were no NSF checks on my account for the entire month. With all this information, Freedom Mortgage is unwilling to take any accountability as I have never paid 30 days late on my account. This was an error that was beyond my control. They also stated they sent a letter but I was not aware of this. If I had received the letter, I would have called sooner as again, I have never paid 30 days late. I need this information removed from my credit as it is inaccurate reporting and Freedom Mortgage investigation is for their benefit and does not take into account of the errors on their part.
Product: Credit reporting or other personal consumer reports

These lenders have accessed my credit file without my knowledge or consent, some have even done it multiple times and within a period of 5 days apart. I have sent letters to these organizations to have these hard inquiries removed from my credit report and I keep receiving requests asking for an account number, which I don't have or know. Some have also responded stating that they would remove the hard inquiry, but it still shows on my credit file, affecting my ability to obtain credit approvals from lenders I actually want to solicit. Please have these organizations remove their hard inquiry from my credit file. I also have submitted a report for identity theft : IdentityTheft.gov Reference Number - XXXX XXXX / ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX / ( XXXX ) XXXX Inquiry date - XX/XX/XXXXXXXX XXXX / ( XXXX ) XXXX Inquiry dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX / ( XXXX ) XXXX Inquiry date - XX/XX/XXXX responded would remove inquiry, yet it still reflects on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date - XX/XX/XXXX XXXX XXXX / ( XXXX ) XXXX Inquiry dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX / ( XXXX ) XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX / NO INFORMATION FOUND FOR ORGANIZATION Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX / NO CONTACT INFORMATION FOR ORGANIZATION Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX  / XXXX XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX/ ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX/ ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX / Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX / ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX  / ( XXXX ) XXXX Inquiry date : XX/XX/XXXX ; XX/XX/XXXX XXXX - XXXX XXXX  / ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  / ( XXXX ) XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX ) XXXX No response from dealership Inquiry date : XX/XX/XXXX XXXX XXXX XXXX / ( XXXX ) XXXX Inquiry dates : XX/XX/XXXX ; XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Said there would be no impact to my credit score, yet here it shows up XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry dates : XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX 2021
Product: Debt collection

On XX/XX/XXXX, at about XXXX, I received a call from someone names " XXXX XXXX '' who claimed to be an independent processor. His number was restricted. In his voicemail, he claimed that he was going to serve me at my residence with papers and to call a company called " XXXX '' if I had any questions. The number given was XXXX, and he gave me a case # XXXX. A man answered the phone after about 2 rings ( I forgot to record his name ), and promptly put me on hold. When he returned, he stated that for privacy reasons that I needed to confirm my last four of my social, which he read to me. This was my first indicator of potential fraud as anyone could simply agree that was their last four. He then preceded to tell me it was from XXXX XXXX, who I have never had an account with, and that it was from XX/XX/XXXX ( 11 years ago! ). I notified him of the statute of limitations, and he quickly became defensive and rude. As I continued to talk to him about my doubt of their legitimacy, he became angry and hung up. After some research online, I have found that this company is notoriously known for attempting to scam people for illegitimate debt, and was advised to file a report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$330.00} XXXX XXXXXXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$27000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : $ XXXX
Product: Mortgage

Quicken Loans DISCRIMINATION against XXXX XXXX Veterans continues ... 
XXXX XXXX Bank Mortgage was transferred to Quicken Loans in XXXX ; Since then, Quicken has failed to comply with Regulatory Laws. I Filed several complaints with Quicken who failed to resolve or ignored problems. 
1. XXXX, received Check ( XXXX ) for {$120.00} after XXXX merger that 's worthless. 
2. Denied Refinance 30 yr ARM to 15 yr Fixed Mortgage since XX/XX/XXXX-present. Quicken Mortgage Manager informed me to refinance with other Mortgage companies after Quicken DENIED the Refinance of loan because it was n't within the best INTEREST ( % ) of Quicken. 
3. Denied access to 'My Quicken ' account online website for Tax statements, Paperless documents, or resolving the on-going problem since XXXX and current problem since XXXX. Quicken DENIES access to MY QUICKEN Account to STOP ME from submitting messages ; to clarify, If I ca n't access the account then I ca n't complain about the Bad Service or DISCRIMINATION. 
4. Quicken last email message was on XXXX XXXX XXXX ; response to refinancing that Quicken DENIED without explanation ... DISCRIMINATION. 
5. called Customer Service who CA N'T find my file and REFUSES to resolve problem. 
#. Quicken ADMITS to DISCRIMINATION against XXXX VETERAN ... Denies Discrimination, then continues items XXXX. Quicken Corporate REFUSES to resolve the issues, instead they mail a useless response document ( XXXX ) filled with legal jargon that fails to resolve the problems. 
XXXX XXXX Veteran with an XXXX XXXX Surname ( XXXX )
Product: Credit reporting or other personal consumer reports

The following explains why this account should not be on ANY of my CREDIT FILES. As SURETY, I am now giving actual Notice of Equitable Subrogation to APPLECARD/GOLDMANSACHS. I am now invoking my GOD given rights of equitable subrogation and require APPLECARD/GOLDMAN SACHS to compensate the Principal by returning all the Federal Reserve Notes ( FRN 's ) given as payment for a debt that was paid by the surety by way of Special Deposit USPS XXXX XXXX # XXXX dated XX/XX/XXXX. Per UCC 3-603 Refusal is DISCHARGE. The doctrine of subrogation in equity requires, ( 1 ) that the person seeking its benefit must have paid a debt due to a third party before he can be substituted to that party 's rights ; and, ( 2 ) that in doing this, he must not act as a mere volunteer, but on compulsion, to save himself from loss by reason of a superior lien or claim on the part of the person to whom he pays the debt, as in cases of sureties, prior mortgagees, etc. The right is never accorded in equity to one who is a mere volunteer in paying a debt of one person to another. ( XXXX ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ; furthermore a servicer/debt collector who has purchased a debt from another company has no interest in the original debt, making their status that of a mere volunteer. The right of subrogation does not arise to one who pays the debt of another as a mere volunteer. This includes attempts at collection by assignment, transfer or trade. A volunteer, stranger or intermeddler is one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Parties may be considered volunteers if in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, as they act without being requested to do so by the person liable on the original obligation. See : 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
Product: Money transfer, virtual currency, or money service

XXXX, XXXX XXXX! 

I'm writing to complain about PayPal for closing my account for no apparent reason on XXXX, XXXX, and refusing to assist me in reactivating it. I'm not sure if this is a mistake, as I think it is. I haven't been able to get support from them in months, but I just remembered I could file a complaint on here because I believe they aren't doing their job properly, and it's affecting me, especially now that the pandemic is spreading and I desperately need the money. It was a bad and stressful experience since it was my first PayPal transaction, but this is what happened. I need to get my balance of {$1400.00}. " XXXX '' is the email address associated with my PayPal account. I'm hoping you good people can assist me with this ; I can't wait another six months, and I believe I am entitled to my money back because it is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Paid Off The Credit Card I Had With JPMorgan Chase Earlier This Year. The Agreement Was Pay For Deletion. Even though The Transactions Where Fraudulent And I Reported That Several Times With Chase Bank. I Paid The Full Amount To Remove The Credit Card From My History And It Is Still There.
Product: Debt collection

To  Midland Funding, LLC T his compliant is being sent to you in response to a complaint reponse sent to me on (  XXXX / XXXX / 17  ) Be advised this is not a refusa l to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ),  stating your claim is disputed and validation is requested.     This is NOT a request for verification or proof of my mailing address, but a request fo  r VALIDATION made pursuant to the above na
med Title and Section. I respectfully request your offices provide me with competent evid  ence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus (   XXXX   XXXX   XXXX   XXXX   ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, If you do not c  omply with this request, I will immediately file a complaint with the Federal Trade Commission and the [  XXXX  ] Attorney Generals office. Civil and criminal claims will be pursued.     If your offices are able to provide the proper documentation as requested in the followi ng Declaration, I will require at least 30 days to investigate this information. Also during this validation  period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

I am writing to report identity theft. Someone named XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, LA XXXX has been using my credit information for loans. Concora Credit is a company she has used my information for. I reported it on XXXX on XX/XX/2024 but I am still seeing it on my credit report. FEB/ DESTINY is the other name given for this fraudulent Concora Credit charge. It is a commercial bank. Please help and cancel these accounts that are in MY name!