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

1. The bank has discriminated against me, in the handling of my account ; a XXXX veteran and minority. 
2. The bank has refused to provide account information, which they are required by law. 
3. The bank has completed illegal, unauthorized credit and/or consumer reporting investigations. 
4. The bank has refused to follow the guidelines regarding consumer card purchases and protection from unauthorized charges. 
5. The bank refuses to fulfill it 's legally required obligation of appropriately investigating and returning the funds from unauthorized card transactions. 
6. The bank has refused to provide the contact information for their legal department or compliance department for reporting account handling issues or service of legal process. 
7. The bank has taken retaliatory action against my consumer account, for accurately reporting account handling compliance complaints. 
8. The bank has refused access to my funds without explanation or reasonable notice. 
9. The bank has refused to accurately identify who is the actual banking entity ; there are seemingly three different banks, however, which bank is actually the custodian of the account is unclear. It appears as though a corporate, non-banking entity is conducting banking operations ; whether or not this subsidiary banking relationship is legally authorized is unable to be determined at this point, because the bank is refusing to provide the information necessary to actually identify the responsible banking authority. 
10. Overall, the bank has shown a pattern of unresponsiveness, lack of transparency, unethical business practices, and poor customer service ill-befitting an organization responsible for consumers ' deposits.
Product: Bank account or service

On the evening of Friday, XXXX XXXX, 2015 a retirement check deposit of {$600.00} was made at a XXXX, NY, 1st Niagara Bank ATM into my bank checking account. Before this deposit, my 1st Niagara Bank balance was approximately {$25.00}. Later in the evening, I authorized an over the telephone bill payment of {$41.00} from this account. Again XXXX transactions occurred on Friday XXXX XXXX, 2015. & Yes, before the deposit I did not have enough to cover the bill payment. First Niagara Bank XXXX XXXX, New York, on Tuesday, XXXX XXXX, 2015, then credited the check deposited the prior Friday, but obviously put thru the check as of XXXX XXXX, 2015, rejected the check payment request due to insufficient funds & then charged my account {$37.00} due to insufficient funds. I did not learn of this event until over a week after it occurred. I then went to the XXXX XXXX & spoke to XXXX XXXX. He informed me that the bill request went thru on XXXX XXXX, 2015 & the deposit went through on XXXX XXXX, 2015 because it was made at an ATM. The ATM receipt did not inform me of this. I questioned why I would be charged {$37.00} if the bank did not in fact pay the check. Of course I did not get a response. He did however waive {$7.00} of the charge stating this was all the computer would allow him to do. I also asked why the ATM would take a check deposit if it could not be processed. Again no response. He only stated that since it was an out of state check there was also a clearing time of 2 business days. But of course the bank did not wait 2 business days before taking {$37.00} out of my account. I also informed XXXX XXXX that other banks in the area charge much less for insufficient funds on checks they do not honor with money already sitting in someone 's account waiting to clear. Since I have already incurred nonpayment & return check fees from the company that did not receive my payment, again with funds sitting in my account. I would like the {$30.00} charge returned back to me. I could totally understand this charge if the bill had been paid or if there were no funds in this account at all to cover the check. Thank you.
Product: Debt collection

I checked my credit report the beginning of XX/XX/XXXX and noticed with horror that a collection account was reporting XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX., {$500.00}! <P/>
I called Harvard Collection and the man told me that was a debt owed to the Dept of Human Services since XX/XX/XXXX! I told him that debt is not mine, no one has contacted me about a debt! " Oh, we do n't contact you we just put it on your report '', he said. Again, this is not my debt how do I get this off my report,?! " Oh, you got to pay this! ", he said. <P/>I filed an online dispute with XXXX and they replied the account has been updated. I did n't notice a change, still collections XX/XX/XXXX and XX/XX/XXXX. <P/>How can Harvard Collections knowingly re-age a debt from XX/XX/XXXX to be owing XX/XX/XXXX, not to mention the debt is not mine!
Product: Mortgage

Mr Cooper purchased the servicing of this loan about 6 months ago and they have a nightmare. I paid a higher rate on my mortgage not to escrow, I have provided my taxes and insurance XXXX times and they continue to force place an escrow. This is a UDAP violation
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports with XXXX, equifax and XXXX show incorrect credit utilization from all of my XXXX XXXX credit cards. 

1.XXXX XXXX credit card XXXX XXXX XXXX ) account ending in XXXX credit limit {$2500.00}. I have a balance of {$420.00} with available credit of {$2000.00}. 

2.XXXX XXXX credit card ( XXXXXXXX XXXX ) account ending in XXXX credit limit {$3300.00}. I have a balance of {$500.00} with available credit of {$2800.00}. 

3.XXXX XXXX credit card XXXX XXXX XXXX ) account ending in XXXX credit limit {$3100.00}. I have a balance of {$650.00} with available credit of {$2500.00}. 

Please have these errors corrected as soon as possible based on the Fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

With Experian, a month ago my credit score was around XXXX and they said I should have another card to further my worthiness. Well,. I did that and as of yesterday, XX/XX/XXXX my score had dropped to XXXX!!! This was a loss of over XXXX points! My scores on the other reporting agencies were XXXX and XXXX. There is no way for me to contact them to correct this absurdity! All3 firms use XXXX so I don't understand the discrepancy of such a large number.
Product: Mortgage

XX/XX/XXXX - I set up a 3 month payment plan to bring my 2nd mortgage current. It consisted of 3 consecutive payment to be made in XXXX, XXXX, & XX/XX/XXXX. After making the XX/XX/XXXX payment my account would be current with the next payment due by XX/XX/XXXX. 

~ between XX/XX/XXXX - XXXX - I received a statement from PHH stating that I owed {$410.00} ( current mortgage plus {$26.00} in late fees ) on XX/XX/XXXX. This made no sense to me since I had made my XX/XX/XXXX on XXXX which showed on my statement ; however, PHH failed to apply that payment appropriately. 

- ~ XX/XX/XXXX - I spoke with XXXX ( id - XXXX ) who informed me that he would get the payment applied properly. 

> XX/XX/XXXX - I received another bill from PHH stating that I was two months behind on my mortgage and owed {$790.00} by XX/XX/XXXX. This statement showed that the {$410.00} had been applied to the principal. 

- I called PHH again and spoke with XXXX ( id - XXXX  ) who informed me that she would get this fixed and reversed. 

- XXXX - I called PHH and spoke with XXXX ( id-XXXX ) to follow up on correcting the previous errors made by PHH. He put me on hold for 25 minutes and then somehow I was disconnected. 
- XXXX - I called PHH back after the disconnect and spoke with XXXX ( id-XXXX ) to follow up on correcting the previous errors made by PHH. She stated that XXXX had entered the wrong information and my payment was still not applied appropriately. She said she would request a reversal so that the funds would be applied correctly to my account. 

XXXX - I called PHH again to follow-up on the reversal request - after being on hold for 30 minutes I finally spoke with Mahvette ( id-? ) who informed me that the reversal request was rejected with no reason given. She offered to transfer me to an Escalation Team Member - to take no longer than 7 minutes. 

XXXX transferred me to XXXX ( id - XXXX ) who told me I needed to speak with an Escalation Manager. After being on hold for over 40 minutes, I was not able to speak to a manager. XXXX offered to have them call me back ( expected response time 24 - 48 hours ). I also requested the direct number to Escalation ( XXXX ) XXXX in case I wanted to call them myself instead of waiting. He apologized for the wait. He also checked on me periodically while I was on hold. 
I have been trying to resolve this issue with PHH for over a month to no avail.
Product: Credit reporting or other personal consumer reports

This is to lodge a formal complaint regarding the persistent errors in my credit reports across all three major credit bureaus ( Experian, XXXX, and XXXX ). The inaccuracies remain unresolved despite multiple correspondences, including a copy of my driver 's license for verification. 

I request your assistance in ensuring that these errors are corrected promptly, as they are impacting my financial health. 

Thank you for your attention to this matter.
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 ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$14000.00} XXXX  XXXX Balance : {$440.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$280.00} XXXX  XXXX XXXX Balance : {$350.00}.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX Acct # XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Credit reporting

I have reported 3 times to each credit bureau about fraudulent accounts on my credit report and provided sufficient documentation such as name social security number etc. Still the creditors and credit bureaus will not take these accounts off my credit report at all some of these accounts were under a different social security number but was still attached to my name. Still after calling the bureaus and creditors they still refuse to take them off my credit report. Social security number ending in XXXX is not mines number my number ends in XXXX but are still falling under mine name and I have not applied for credit with any of these companies.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXXXXXX XX/XX/XXXX
Product: Vehicle loan or lease

I have called Global Lending Services for over 6 MONTHS requesting assistance due to a financial hardship from XXXX, a XXXX in my immediate family, & a decrease in income/work hours ( which now has become a permanent job loss & I have applied for unemployment ). EVERY time I was DENIED any type of help! Although I knew it was confidential/private, due to HIPPA I offered to provide documentation of all times I was XXXX XXXX XXXX XXXX XXXX results, and also the XXXXXXXX XXXX XXXX XXXX of my family member. I was still denied any assistance or help and they call me 3-4 times a week HARASSING me about paying! 
I borrowed money and made a payment in XX/XX/2022 ( to try to refrain from being 90 days late ). On yesterday, I woke up and they had repoed my car!! Because the month of XXXX had not ended, I thought I had until XX/XX/2022 to make a payment & was hoping to receive my income tax refund or unemployment on of before this date. 
I had to borrow money AGAIN from friends & family ( almost {$2000.00} + XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against XXXX XXXX, XXXX Bank, XXXX XXXX XXXX for XXXX reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law. Each Letter was initially sent to all companies on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022, my personal bank and XXXX companies I pay to monitor my credit scores ( XXXX  and XXXX  ) have been unable to pull my Equifax credit report. This has largely affected my ability to ascertain personal loans as well as a mortgage. I have made several calls to Equifax with no resolution to this major issue.
Product: Debt collection

My bank sent me an email saying that my checking account had no funds. A lawyer named XXXX XXXX XXXX took all my money amount of my checking account. My bank said it was a legal order and gave me the lawyers info. I called her and she said she was a court appointed receiver hired by Midland funding and that there was a default judgement against my father for XXXX and that my social security number was entangled with his. I called my father he wasnt aware of any notice that he owed money. Neither me or my father was notified of any credit default. I checked my credit report and Ive never had any outstanding debt collections. My father also checked his credit report and there was nothing outstanding on any of the 3 credit bureaus. We requested a copy of the court report and they have not providing any info. I checked the case number that was provided to me by my bank and can find no court records. I feel strongly that my consumer rights have been violated as I have not received any court documents from anyone.
Product: Debt collection

In XX/XX/XXXX, I moved out of an apartment building rental called XXXX XXXX XXXX in XXXX XXXX, CA which is owned by XXXX XXXX. I never received any debt notification ( by mail, by e-mail, nor by phone ) from XXXX XXXX after that, until I started getting phone calls from a Collections Agency called Fair Collections & Out in XX/XX/XXXX. The Collections Agency notified me that I owed XXXX XXXX a repair cost of ~ {$500.00} but I did not know what I was being charged for. XXXX XXXX XXXX never attempted to contact me or explain this debt, even though they had all my contact information on file. I attempted to inquire about the debt by calling the XXXX XXXX offices in XX/XX/XXXX but after leaving 3 voice messages, no one ever returned my phone calls ( I assume these were special circumstances surrounding the recent outbreak of covid-19 ). The Collections Agency was threatening to increase the amount of debt that I owed, so I assumed that I had no choice but to pay the Collections Agency, and I went ahead and paid the outstanding balance in XXXX or XX/XX/XXXX. Now I am filing a complaint because this Collections is showing up on my Credit History, and is having a negative effect on my ability to apply for a loan. Due to the fact that XXXX  XXXX  XXXX  never contacted me about my debt before they sent it to Collections, and because of the special circumstances surrounding Covid-19 causing them to again be unavailable, I am asking for a deletion of the Collections Item from my Credit History.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has knowingly reported false late payments on my credit report despite clear evidence proving that : 1. XX/XX/XXXX XX/XX/XXXX : My XXXX account was suspended due to XXXX internal system issues. No payments were due, yet XXXX falsely reported late payments during this period. 


2. XXXX XX/XX/XXXX : XXXX falsely reported late payments for a refunded transaction that should never have been considered delinquent. 


3. XX/XX/XXXX : XXXX reported a late payment when I actually paid too early, which led to a late fee and a negative credit report entry. 



Legal Violations by XXXX : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishing inaccurate credit information.

15 U.S.C. 1681s-2 ( a ) ( 2 ) ( B ) Requires furnishers to correct or delete incorrect information. 

XXXX XXXX Compliance Violation Reporting a refunded transaction as delinquent and late payments during a suspended period violates industry standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX, Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602.A. States I have the right to privacy.

15 U.S.C 1681 section 604.A section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL FRAUDULENT ACCOUNTS IMMEDIATELY
Product: Credit reporting or other personal consumer reports

Hi. I was the victim of identity fraud. I have a hard inquiry listed on XX/XX/year> from XXXX ( XXXX ) that I never approved. Their agents and website have been useless in removing this hard inquiry. Please fix this error.
Product: Debt collection

This is my last effort to resolve this matter before I pursue to taking legal action.   This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.
Product: Debt collection

Oral contracts and open-ended accounts ( including credit cards ) Florida statute of limitations on debt collection is four years. they keep renewing and pushing the date out and continue to destroy my credit which is illegal in the state of Florida! I have contacted an attorney he has told me to publish this with CFPB as he knows Im a XXXX Veteran with a XXXX, so XXXX XXXX and on XXXX. Its From XX/XX/year> XXXX  for {$690.00} should be illegal to buy XXXX debt!
Product: Credit card or prepaid card

I have recently had 2 refunds of payments on my credit card that i have not personally requested. I requested this to be investigated, but i need to ensure that no one has access to my data since i didn't make these requests. I believe somoene is trying to hack or take over my bank account with BOA.
Product: Credit card or prepaid card

I have been a member of Discover since XXXX. I have done a great job of paying on time and most of the time in full. During the XXXX congressionally declared national emergency I was experiencing financial difficulty as like many others and I called Discover and let them know. I presumed they offered resolution under the CARES acts They enrolled me in a payment program that lowered my interest rate to around 17 %, this was the only option offered to me as a relief during the pandemic. On XX/XX/XXXX I paid off my entire balance plus interest upon finally getting larger sums of monies rendering me able. AT NO TIME did they disclose that I could be Revoked and have my credit impacted negatively in an extreme manner, I have suffered damages for their actions even after being square on payments and in good standing a year or more. The only thing Discover said is they would temporarily suspend spending ability until I finished paying the balance under these terms to receive help during pandemic. Since then they Revoked my account causing my credit to drop XXXX points. They did not inform me that the account would be revoked, closed of impact my credit negatively especially after I paid in full.
Product: Credit reporting or other personal consumer reports

Upstart is an account on my report I did not even know about. Previous disputes did not get me anywhere. However, they sold this account to a XXXX XXXX, who in turn, filed a lawsuit against me. I fought the lawsuit, and it was dismissed with prejudice. As you can see in the attachments via Better Business Bureau responses, Upstart continuously says that they have nothing to do with this, and to reach out to XXXX XXXX. I reached out to Velocity Investments via the BBB, and they state exactly what I have said, this was thrown out, and they have nothing to do with this. As part of the lawsuit, this reporting should be stopped, as a settlement was agreed upon. Upstart just verifies without actually looking into the situation. With all of the documentation provided, including Upstart saying they were not even the ones reporting this tradeline on my report ( which is not factual ), I am requesting for the CFPB to intervene to have this tradeline removed from all credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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