23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

We had {$8.00} in our personal checking account on XXXX/XXXX/2016 posted as available balance. We made a purchase for {$3.00} and {$4.00} the morning of XXXX/XXXX/2016. That night ( several hours later ) a charge came through from XXXX XXXX for {$140.00}. We knew this charge would put us negative and we knew we would have to pay a {$36.00} overdraft fee. This single fee was something we decided we would have to incur to get our bills settled. Regions Bank took it upon themselves to rearrange the transactions so the larger debit came out first. To me this is simply fraudulent activity. They arranged it so we would now have XXXX fees to pay. I called Regions customer service and told them I wanted to change my account number and opt out of overdraft protection so I could attempt to fix the damage done. The lady I spoke with assured me that since my account was already negative I would not have to change my account number. I was told Regions would not allow additional charges to be made to the account. At this point I was n't sure if the reason was because I told them I no longer wanted overdraft protection or the fact I was already negative. Either way, I believed what customer service had told me. Sure enough, XXXX/XXXX/2016, XXXX more charges were allowed to go through to my account. I have been in email contact with Regions customer service where they are trying to accuse me instead of taking responsibility for what their customer service told me. I called customer support and I was told the checks would be returned and a {$36.00} fee ( same as their overdraft fee ) would apply to my account for the returned checks. This is after I was told no more charges would be allowed through to my account. I wrote a responding email to customer support explaining to them their mistakes, again, and I will only be paying the {$140.00} and {$36.00} fee. They declined to offer assistance.
Product: Mortgage

In XX/XX/2107 Mr. Cooper conducted an escrow analysis and stated that I had a surplus of about {$3500.00} and would not dispense the surplus because the account was under a disaster forebearence. Six months later, the conducted another analysis and claimed that I was short and sent a check in the amount of {$2300.00}. They applied the check to the principal instead of the escrow. I have called mutiple times to resolved the issues and they have not resolved. They are now saying they will reverse the {$2300.00} to the escrow account. However, they escrow surplus was applied, yet they are not desmonstrate where the {$3500.00} was applied, either to the principal or the escrow account.
Product: Debt collection

This original bill was with XXXX XXXX in Texas, it is result of identity theft. It has been disputed, and resolved, this past XXXX. I never lived in Texas, never visited Texas. 
Now it seems another collection agency picked up this account and its on my credit report again. I tried calling the number for this collection agency, the call will not connect and voice says its not a valid phone number. The number is : XXXX. 
The agency name is XXXX XXXX XXXX. Address is : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX, NY, XXXX. 
The account number associated with this is XXXX I have lived in Florida for past XXXX  years.
Product: Debt collection

XXXX XXXX XXXX  has repeatedly tried to collect a debt that came from identity theft. Each time I ask for proof of debt using the forms that the Federal Trade Commission supplied and each time the response is to show credit statements with charges that have already been reported as identity theft ( FTC Report Number XXXX ). I even supplied names of the suspected identity thieves but rather than pursue that it is easier to just sell the debt again to another company so they can continue to harass me and violate the Fair Credit Reporting Act and the Fair Debt Collection Act. It needs to stop!
Product: Student loan

I have been in a non stop struggle with American Education Services ( AES ) who services my private student loan I took out during my XXXX education in XXXX when I was XXXX years old. The loan is through XXXX. AES has made it impossible for me to defer payments. In XX/XX/XXXX, I had my first child and was without work or pay due to XXXX XXXX XXXX XXXX I had to fight to be able to postpone payments and since then, they have not allowed me any more deferment or forbearance time. On XX/XX/XXXX, I reached out to potentially lower my payment and they suggested I apply for a loan modification. I received the form on XX/XX/XXXX and submitted it back to them via their online portal on XX/XX/XXXX. My elderly mother has power of attorney for my grandmother who co-signed my student loans nearly 20 years ago. My co-signer grandmother now lives in assisted living with XXXX and is unable to fill out the loan modification paperwork independently, and her assisted living home is XXXX hours away from my home. AES has found every reason to reject my loan modification- they needed the form to have N/As instead of blanks or zeros, despite working with them to fill out the forms repeatedly. They told me my paycheck was too small and unreadable, despite sending them the only check form Im able to receive from my employer. I submitted forms back and forth to them more than 7 times since XX/XX/XXXX through XX/XX/XXXX, and finally on XX/XX/XXXX, I get an email that my application was expired and I will need to start all over again. I am absolutely drowning in student loan payments. Between AES and another private loan with XXXX XXXX XXXX, I am currently paying more than {$600.00} a month just in private student loans. This has made trying to buy a house impossible. I was late on XXXX payments waiting for them to finalize this loan modification but they are so desperate to squeeze every last dime out of hard working small families, they refuse to make any adjustments or accommodations, and even during the holiday season? Its pathetic. I worked on this during XXXX, my daughters XXXX XXXX, now through XXXX and potentially looking at having to fight with them through thei New Year.. and Ive already paid  off the money I originally borrowed XXXX over - and I still have XXXX more years of payments. I am disgusted, discouraged and absolutely broken down by this process. I wish I could go back and tell my teenage self to avoid this servicer and this loan at all costs. This has cost me so much time, money, and peace, and Ill never get any of that back. All for what? To have a job I could have gotten without my XXXX and XXXX XXXX. I was conned into this and I have no way of getting out. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX how terrible is that?
Product: Credit reporting or other personal consumer reports

XXXX and Experian have repeatedly allowed incorrect information to be reported on my consumer report, they have trafficked in my personal information and failed to actually verify information as required by law XXXX ) Bankruptcy - they never verified this info with the original creditor- I HAVE A LETTER STATING THAT THEY DO NOT COMMUNICATE WITH CREDIT REPORTING AGENCIES AND DO NOT VERIFY INFORMATION
Product: Mortgage

I am complaining against AMERISAVE for the following : 1. Unfair dealing, bait and switch. AMERISAVE refused to lock the rate for me. The rate advertised to me initially was 2.375 %. After I decided to go with them for the refinancing deal, the rate became 2.625 %. At one point, the rate became 2.875 %. And I protested to the loan officer. The loan officer mentioned that he will try to have it back down to 2.625 % but still refuse to lock the rate. 

2. illegal and excessive fees : the loan being proposed is illegal because the fee has exceeded legal limit. 

3. Failure to lock the rate and close : initially the loan officer said after the appraisal, he was able to lock the rate. But after the appraisal, he was not able to lock the rate. Now it has been more than 2 months. He has still not been able to lock the rate. Thurs, I emailed him to withdraw the application and request refund of the fees.
Product: Credit card or prepaid card

SYNCHRONY ( paypal credit ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX All sent me denials to open a credit line. 
I have not applied to these creditors.
Product: Credit card or prepaid card

Background : In late XXXX and early XXXX, I had fraud committed with my card, calling it card A from now on. It was caught early and but {$400.00} was stolen and reported as soon as we found it on our bank statement. They said they fixed the issues and issued a new card. A week later, we called back since the charges were still on our account. We were told that there was a mistake and that it was resolved. 

The next day the new credit card, calling it card B, that we received was declined. When I called the bank, I was told fraud was reported on card B, which it was not. However, they sent me a new card. 

A week later, I received two new cards, called Card C and Card D. They had different expiration dates. I called in to verify which card should be used. I was told card D was correct. So I can start using it. 

This is all just lousy customer service. However, it is central to the complaint. 

Complaint : We received a statement in the mail for card B. We logged into the website to see what we owed. The site said {$5300.00} which might be right. However, after the fraud, we wanted to make sure that the amount is correct. The statement on the website is the {$400.00} charge, which we were assured that we do not owe. However, the bank refuses to provide us with an accurate statement for our actual credit card amount for us to verify the transactions. 
How can we be asked to pay the correct amount if they do not give us an accurate statement for XX/XX/2019? We can provide documentation that the fraud took place on Card A. We still do not know why they know think it happened on card B. We have screenshots showing the difference between the statement that they provided and say we do not owe a payment on, and the website which says we owe more.
Product: Credit card or prepaid card

I tried using the card at the end of XXXX, would not let me make a purchase. I tried getting money out of an ATM, it wouldnt work. I spent two hours on the phone to be told my account was permanently suspended because I had broke title 15d of their contract. I asked what that was, she told me I would have to write them a request for the answer. I couldnt use the Amex Serve app. I was locked out. My phone was telling me I still had XXXX, this was an email I received daily and then it showed 0 two days later. I waited ten days for a refund check, nothing. Two days ago I received an email saying I had XXXX, so I tried to get on the app, it finally let me on, I looked at my transactions and it said withdrawal by check on XX/XX/XXXX, and then check reversal on XX/XX/XXXX for {$380.00}. This happened while I couldnt get on the app. Unfortunately my paycheck was to go to another card, and I found that it ended up on Amex Serve card that I cant use. I have photos of the transactions on my phone, and video of the the check reversal, please help.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX XXXX about late payments on my account on XXXX XXXX XXXX and They refuse to delete the negative late payments off my credit report.
Product: Mortgage

I had a mortgage with DiTech Company in the last several years. Recently I sold my property and the closing already took place in the first week of XXXX 2019. Outstanding loans have been paid off. However, the mortgage company which is DiTech still took out from my checking account for the mortgage payment of {$1200.00} on XXXX XXXX, 2019 even though the loan has been paid off. I called the company at least 3-4 times since XXXX of 2019 to address this issue because I want my money back. They keep saying that they will mail me the check and until today XXXX XXXX, 2019 no check has been sent to me.
Product: Debt collection

Credit agency is reporting medical debts from a third party creditor. Its unlawful for a credit reporting agency to report a third party creditor on my credit file, only the original creditor.. I would like these accounts deleted off my file
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX/XXXX  XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, CREDCO add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents
authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an amount of {$60.00} to a doctor in dispute as reported by the big 3 credit bureaus, it would if dropped improve the score by enough points to refinance our mortgage. I paid {$19.00} for a full report. The health insurance company said the charge was disputed and the copay would have covered the visit. Yet the {$60.00} still shows on credit report as unpaid and delinquent. I'm not sure how to go about recovering from the mistake to make our credit score raise. This was discovered two days ago Monday XX/XX/XXXX by a mortgage company who told us what was holding the refi up. This is after I paid for report from credit bureaus. The health insurance company disputed the amount with the doctor and the medical office and there was an agreement that the amount was wrong and only the {$15.00} was needed for the payment the copay and it was paid in office the day of service and this is over 2 years ago.
Product: Checking or savings account

On the morning of XX/XX/year> I lost my phone and wasnt able to find it until 3 weeks later. Soon after finding it I accessed my online Revolut Bank account to review my transaction history and I discovered a number of unauthorized charges were made using my card information which the individual responsible for making the charges was able to obtain after finding my phone because I didnt have any password protection on it. I immediately reached out to the merchant involved to request their assistance followed by filing a dispute with Revolut in relation to the charges. In my dispute I provided as much information as possible as well as screenshots of my correspondence with the merchant however I receiving a notice of dispute denial less than 10 minutes after I submitted the dispute. How the dispute team was able to thoroughly investigate or investigate at all for that matter within such a short period of time is incomprehensible and obvious that no investigation was ever done and the denial was a foregone conclusion when I filed the dispute. In addition to the denial, the notice also informed me that there is nothing more that Revolut can do to assist with the matter and that I should refrain from further inquiries in relation to the charges that were disputed. With that being said I feel as though I have no other recourse to try and recoup the money that was taken from my account without my permission and submitting this complaint seems like the only option that I have at this point.
Product: Mortgage

On XXXX XXXX I submitted a complaint concerning a mortgage loan with Bank of America. 
I would like to submit additional information I received after XXXX XXXX, 2016. It involves a letter from BOA concerning collateral and insufficient funds. 
The documents I am providing will show BOA claims to be untrue. The banking statements will show there was adequate funds available.
Product: Credit card

A few weeks ago I received phone call from Citi Bank. Since I was working at the time they left a message stating to call them back about my XXXX Card. I did not return the call as I have not applied for a card with them nor do I have any relationship with them what so ever. Last week I checked my credit report and low an behold they had made a credit inquiry and a new account was showing opened under my social security number. I have tried to call them repeatedly but all that happens is that I am left on hold. I have even tried to call during non peak times. I have not received any card in the mail and I do not want one. Like I said I rarely apply for credit and I have n't applied for any credit since I bought my car two years ago. I would like to get this removed from my credit report and most of all I want to know how they got my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

A debt validation letter was sent to Syndicated Office Systems 30 days ago and no response was ever received. Despite failing to respond within the 30 day time frame, the company is still reporting negative information to the credit bureaus.
Product: Debt collection

I am sending this complaint because of this company speedy cash they are putting false information in my credit report I guess a debit collector to over the debt and they are putting that this loan was opened XXXX min ago witch is false information this was opened in XXXX an the amount listed is not correct and the dates are incorrect I asked for this debt collector company to send me proof that I even opened a loan with them 3 months ago I have not heard nothing back I ask for proof that this loan was signed by me on XX/XX/XXXX as they listed on my credit report witch is incorrect information I never signed anything with this company on XX/XX/XXXX and they have no proof stating or wet signature that I did this loan was open with this company back in XXXX and the debt collector XXXX as they are listed on my credit report listed this as a new debt just opened and that not true I want this investigated and removed from my credit report because its false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collection accounts on my credit report by a company called XXXX XXXX XXXX. XXXX is for {$360.00} and the other is for {$160.00}. Both of these two accounts with XXXX XXXX XXXX  are fraudulent and the company never sent me a notice of debt or a chance to validate the debt. XXXX XXXX XXXX  responded to my complaint on CFPB saying that I was correct and that they would notify all three credit bureaus to tell them to remove the collection from my credit report due to the violation. I have attached the response from XXXX XXXX XXXX to provide evidence of my complaint. XXXX, XXXX, and Experian did not do a proper investigation into this matter and all three credit bureaus have WILDLY different credit scores for my accounts with them. Please investigate as to why these credit bureaus have dropped the ball on their investigations and why their scoring is astronomically different than each other.
Product: Debt collection

I submitted a dispute online with XXXX who reached out to XXXX/XXXX XXXX and told them I had paid this debt off directly with Capital One. XXXX/XXXX  XXXX refused to cooperate and stated that the debt was still valid. XXXX won't remove the debt because of what XXXX/XXXX  XXXX has stated. 

The debt has been paid in full with Capital One Credit Card Company and can be validated.
Product: Checking or savings account

It May Concern, I am filing a complaint against Capital One for failing to deposit my direct deposit from my employer and other incoming funds. They have cited technical issues, but this delay may violate the Electronic Funds Transfer Act ( EFTA ), which requires timely access to funds. This issue has caused significant financial inconvenience. 

I request the CFPB to investigate this matter and ensure my rights are upheld. Thank you for your attention to this issue. 

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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Mortgage

Hello, I am unemployed and can not find a job so I had no choice but to sell my home. I thought my 2nd was forgiven since I could not locate my lender and come to find out they went out of business. When I listed my property for sale I all of a sudden received a letter from a collection agency stating the I owe an enormous amount of interest on top of my original loan amount. I never received the transfer of service letter and the monthly payment stmts and the loan matured in 2022. I called that collection agency and explained to them I am out of work and if they can work with me by reducing the payoff and told them Im unemployed and need my equity but they will not budge and do not care that I need the money to survive since I do not have a job and have no money in the bank. Is there anything I can do to get them to reduce the payoff? And my house is about to close and if I cant get any answers can I go after them after my house closes and pay them off even though I dont agree with their terms? Please let me know, Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this with R S Clark and Associates requesting validation, not verification. Instead I received a letter stating that they were sure it was me. I spoke with the tenant that moved in right after I moved out of my unit at XXXX XXXX so I know this entire replacement of carpet is incorrect. On top of that I didnt leave the base for 3 weeks after I moved out of the unit and could see what was being done. R S Clarke & Associates requested that I send documentation proving I didnt make these charges. How can I prove that? I have attached emails and the doctored second move out inspection that XXXX signed on his computer after the one that said I had a refund. As you can see it says both which makes no sense. Please delete this off my report because it is incorrect.