23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have recieved several calls from a company named Midland Funding. They are said to represent a payday loan that was taken out in 2012 online. They provided a false email address and false home mailing address. They have said the would sue me taking legal action because they want to ensure they will get monies in return. They accused me of recieving a payday loan at about {$2800.00}. When asked for proof and paper work trail they immediatly hang up.Then recall again within an hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am just amazed that 3 credit bureaus all at once managed to do the opposite of what I requested. I asked for an investigation of items on my reports, none were done. I requested no fraud alerts, fraud alerts were added without my permission ... Can someone tell me why after providing the enclosed required documents to identify myself, the credit bureaus claim not to receive it ...? Why no investigations have been started after more than 30 days. This is a blatant violation of FCRA regulation ...
Product: Credit card or prepaid card

I have had my Capital One Credit Card Opened for 20 years 3 months ( XX/XX/2001, opened ). I contacted Capital One Credit about my missing information on my report and they sent me a letter saying that the information is reporting correctly. However, whenever I look at my XXXX  it is not showing. They have an app that allows for the monitoring of your credit called XXXX and it pulls the information from XXXX  which still doesn't show my account. This is important to me because it is my first credit line I have had and. I need it to be showing to all the Credit Reporting Agencies. I have the letter they sent saying it is reporting but that is not correct.
Product: Debt collection

I have recently received a Death Distribution from my deceased father placed in my XXXX Bank Account # XXXX on XX/XX/2019 in the amount of {$7800.00}. On XX/XX/2019 Messerli and Kramer collection agency levied my account in the amount of {$4500.00} plus {$120.00} Garnishment fee. I feel these funds should be exempt from any levy. I will also be contacting Attorney General and XXXX   XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX Acct. # XXXX, Account Name : XXXX XXXX XXXX Acct. # XXXX, Account Name : XXXX XXXX Act. # XXXX, Account Name : XXXX XXXX XXXX Act. # XXXX, Account Name XXXX XXXX XXXX Act. # XXXX, Account Name : XXXX Act. # XXXX XXXX Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXXAct. # XXXX, Account Name : XXXX XXXX XXXX Act. # XXXX, Account Name : XXXX Act. # XXXX, Account Name : XXXX Act. # XXXX Act. # has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/2020 {$2000.00} reported by collector on their website, logged into my account for them they over payment options and various offers to settle for a lesser amount. while going through the options on the website, i called their customer service to attempt a one time payment for settled amount. customer service rep told me they couldn't settle for that amount and then proceeded to tell me their website had a glitch and now of the offers would settle my debt. and the only amount that would, would be the {$2000.00}. i asked multiple times about the settle for less amounts and payment options on the website and even cited a recent letter from them that offered all the same options. and we told repeatedly that any payment offer i accepted wouldn't cover the amount of {$2000.00} to pay the debt off and anything less would leave me with the debt still unsettled. their website and a few letters all present the company as these are valid offers to settle. this customer service rep contradicted all of those things.
Product: Checking or savings account

Two unauthorized charges on my checking account. XXXX {$160.00} and XXXX {$77.00}. I have contacted USAA on XXXX, XXXX, XXXX, XXXX and XXXX/XXXX/XXXX, and USAA refuses and/or declines to initiate a fraud investigation and restore this money to my account. I do n't know why this bank is being complicit and cooperative with this fraud, but I have exhausted all attempts to favorably resolve this with this bank. I do not believe my money is safe with this bank as the runaround and refusal to act is perplexing and unfathomable. They refuse to acknowledge, respond or take action. I have no choice but to believe this bank is being duplicitous with its customers for whatever reason ; and is somehow cooperating with the fraudsters.
Product: Mortgage

I recently paid off my loan on XXXX/XXXX/2016 due to refinance. I have asked for corrections to be made prior to the loan being paid off which did n't happen. My XXXX/XXXX/2016 payment which was sent on XXXX/XXXX/2016 did n't get credited to the account until XXXX/XXXX/2016. The company provided an updated payoff after the payment posted. I have contacted the service provider several times with no resolution. XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016, XXXX/XXXX/2016 ( phone finally reached an individual ) XXXX/XXXX/2016. They have accrued interest in the amount of {$410.00} which should be due back to me, and collected PMI for XXXX 2016 which should not be due. The loan was paid in full on XXXX/XXXX/2016. Please help me obtain resolution on this I 'm at a loss on how to work with this company. 

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

The payment was due XX/XX/XXXX  and on XX/XX/, they reported the payment as 30 days late. Anyone with a calendar can tell you that 3 doesnt equal 30. This bank engages in so much fraudulent activity, I shouldnt have to have 2 complaints opened about them.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting inaccurate info on my credit file.The account in question is XXXX XXXX XXXX. The late payments are erroneous because of identity mismatch. This account is being confused with a relative with the same name at a different address.
Product: Mortgage

My mortgage was transferred on XXXX XXXX from one servicing company to another. However, my house was sold and the closing is scheduled for XXXX XXXX with the title company. This scheduling was done several weeks ago without any prior knowledge of the impending loan transfer. I received the letter of transfer on XXXX XXXX and when I contacted both servicers to receive a payoff statement, neither of them are able to provide it to me. The previous servicer says that the loan is already transferred and they do not have a way to send me a payoff statement anymore. The new servicer says that the loan boarding process is not complete and until it is in their system, they can not provide me with payoff statement or anything else related to the loan. 
Without this payoff statement, I will neither be able to close the sale of my current home on XXXX XXXX, nor close of the new home I am moving into which is scheduled for XXXX XXXX. This results in penalties on both contracts, as well additional charges related to change of schedule for movers, furniture delivery arrangements, utilities and various other logistics involved in moving from one house to another, not to mention the immense stress this is causing me. 
I feel that, as a consumer, I should n't have to suffer or deal with consequences that are a result of a loan servicing transfer between XXXX banks.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed I have a charge off and I keep disputing the amounts, the transactions and the validation of the debt they just keep coming back with no changes on my credit without showing evidence or a true investigation its a XXXX account so the credit bureaus work with them so those debts never get properly investigated
Product: Credit reporting or other personal consumer reports

XXXX. Is report inaccurate balance of my credit card it is much lower than what is being reported and thus is hindering me getting an apartment.
Product: Debt collection

XXXX has falsely stated that I owe for two devices from a previous lease agreement which had to be paid in full for me to obtain new devices with my next contract agreement through them. After the newest contract agreement was ended in XXXX and both devices from that agreement were returned and accounted for, XXXX then billed me for 2 devices, which then the bill was sent to 2 different collection agencies. When I contacted Sources Receivables Management in XXXX of XXXX, the collection agency with and reporting the debt on my credit report told me that I was being charged by XXXX from the first lease agreement for 2 devices which can only be inaccurate because the main line phone was Damaged and had to be paid in full for me to obtain the second agreement with a newer device. Therefore I disputed the information through writing with XXXX, XXXX, and XXXX  starting on XX/XX/XXXX. XXXX  and XXXX  have never responded through writing or email and XXXX  's agent over the phone claimed to have never received my first letter of dispute yet knew the information, date the letter was written and mailed, and reasoning for dispute but claimed to have received the letter on the XXXX of XXXX, and contacted me via email after receiving my failure to comply letter, also sent to all three Bureaus. XXXX  then, several days after our conversation over the phone, completed a computer generated investigation on XX/XX/XXXX after XXXX XXXX clearly after their business hours. I only ask that the inaccurate account be removed from my credit if not validated in the 30 days allowed to them to complete a fair and accurate investigation. Clearly those 30 days have been passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is also a financial institution and has furnished information to all the major credit reporting agencies, including XXXX, which have in part adversely affected this consumers ability to apply for credit successfully, WITHOUT NOTIFYING THIS CONSUMER.
Product: Debt collection

XXXX XXXX aka XXXX XXXX XXXX XXXX keeps calling me from spoof telephone numbers, from spoof telephone numbers on their mailings, and the Supervisor who acknowledges speaking to me several times changes her name from XXXX XXXX then XXXX XXXX 10 days later. At each phone call I asked them to turn the recorder off, which they said they did. In XX/XX/XXXX they told me I owed {$2100.00}, on XX/XX/XXXX {$1300.00}, and on XX/XX/XXXX said {$1900.00}. This debt was from Comenity Bank from XX/XX/XXXX. This was from a XXXX XXXX and XXXX of a XXXX that had to be done emergently before I had XXXX. My credit score was low because my ex left the marriage while having an affair, took his new car out of state, and stopled making the payments. I was making regular monthly payments on the Comenity account of {$100.00} {$200.00}, until I became ill and had to have a 15 hour XXXX XXXX, another 15 hour XXXX XXXX, and is 6 hour XXXX XXXX. By the time I had myself together and was home, Commenity brought all the interest 22.29 % forward. I explained my circumstances to XXXX and to XXXX, but they just would n't do anything. I offered to pay {$30.00} a month to Comenity and to XXXX and they refused. I told them I am I am on Social Security XXXX, and XXXX XXXX aka XXXX XXXX started getting loud with me telling me she 's going to ruin my credit. I offered to pay {$35.00} a month, which is all I can afford. She did not want that amount. She said that she will continue to to ruin my credit. I said to her, " do not call me anymore unless you want to accept my offer of $ XXXX month, on XX/XX/XXXX. She continues to call me. All of the callers sound like they are from XXXX and are difficult to understand. She asked me for a check for {$900.00} to pay it off in one time. I told her if I had it, that I would not have this problem. They are just unreasonable and want to harass people and will not work with you. They would rather ruin your credit and harass you than take a monthly payment. They call from spoof numbers to get you to answer. They send different telephone numbers and conflicting information in the mail. It is to plain harassment. I have copies of their mailings and documentation of their phone calls. I'am happy to submit them to you, if you tell me where.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my concern regarding the improper use of my credit information associated with my account I have recently reviewed my credit report and noticed several discrepancies that I believe constitute improper reporting. Specifically, I found inaccuracies such as, e.g., incorrect account balances, late payments that were actually on time, or accounts that do not belong to me ]. These inaccuracies are affecting my credit score and my ability to secure loans or credit, which is concerning.

Additionally, I am concerned that my information may have been accessed without my authorization. I would like to understand how my information was used and whether it was shared with any unauthorized third parties. 

I kindly request that you conduct a thorough investigation into these matters and provide me with an update on the status of my credit report. Furthermore, if any unauthorized access or use of my information is confirmed, I would appreciate details on how you plan to address this issue. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Mortgage

I cancelled my homeowners ' insurance with XXXX effective XX/XX/2023. I opened a new policy to replace that. Truist paid my new homeowners insurance. XXXX billed my escrow account and Truist paid the {$5200.00} premium to XXXX. I had to report XXXX to the XXXX XXXX XXXX XXXX to get them to refund the premium amount which they finally paid on XX/XX/2023. I have spoken to people in escrow department with Truist and asked for instructions to fix the escrow account and return my mortgage payment to {$1400.00} instead of {$2000.00} that they increased it to due to an escrow " shortage. '' They claim they can't fix it. I did nothing wrong by changing my homeowners insurance. Truist made a mistake by paying for homeowners ' insurance twice. Their mistake needs to be corrected.
Product: Debt collection

The company contacted by employer and told my employer that I was going to be served a warrant at my place of work. Repeated phone calls from several numbers.
Product: Debt collection

I have tried contacting this company several times and I am not getting a response. They are reporting to credit agencies but I do not know what this is.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that there were unauthorized inquiries on my credit report.
Product: Bank account or service

I have been using a XXXX prepaid card for several years. Mostly so that my daughter who lives out of state can get access to money quickly if she runs short on cash. 
The last three times I have tried to make a deposit to my card, the deposits have been declined by Certegy Check Services , Inc . I keep getting reason code XXXX. 
Since this has happened to my last XXXX deposits, which are small amounts, under XXXX I contacted Certegy to see what is happening. I had to fill out a form to fax or mail with my banks routing and account information, SS # and drivers license info. 
The FAX number at Certegy does not WORK. XXXX. It literally never picks up. 
Calling into Certegy you never get to speak to a real person. 
I am feeling very scammed here with this Certegy company. They are stopping me from using a convenient service that I 've used for five or so years. 
My complaint is not towards XXXX. 
It is towards Certegy Check Services , Inc, XXXX XXXX XXXX, Fl. XXXX
Product: Bank account or service

In XXXX of 2016 Citibank was offering a promotion for opening a new checking account and funding that account with {$15000.00} or more within 30 days of account opening. The promotion offered a {$400.00} bonus. 

On XXXX XXXX I applied over the phone for a qualifying Citibank checking account ; there are no local branches where I could apply in person. On XXXX XXXX I was told that the account would be reviewed and that paperwork would need to be completed prior to the account being opened. I received the paperwork via mail and returned it. 

On XXXX XXXX I called Citibank to inquire about status of my account and was told that the paperwork had been received and processed and the account open date was XXXX XXXX. I asked if the promotion would be in jeopardy given that 20 days had elapsed since my application and was told by a Citibank agent that the 30 days for the promotion would commence from XXXX XXXX, not XXXX XXXX. I electronically linked the new Citibank checking account to my other bank account and transferred in the {$15000.00}, which arrived on XXXX XXXX. 

After the waiting period expired I contacted Citibank to check on status of the {$400.00} bonus and was told that I was not eligible. Citibank was now using the XXXX XXXX application date instead of the XXXX XXXX account creation date as the start date for the promotional period. The primary issue at hand was that prior to XXXX XXXX there was no account number provided to me that would allow me to transfer funds. I called Citibank a number of times and escalated my concerns to their supervisory team but after two formal reviews, including one where Citibank acknowledged the XXXX XXXX account creation date, they did not consent to honor the bonus offer.
Product: Debt collection

Getting called by XXXX after XXXX. A google search determines this is a well known debt collection company. 

I do not answer calls from numbers I do not know. They did not leave a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 a certified letter ( see attached ) was mailed to XXXX XXXX about the public record reporting negatively on my credit report. In this letter it describes how maintaining this unconfirmed, unverified, and erroneous public record on my credit report has stopped me from obtaining credit and has caused financial damages as a result. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL FURNISHER, they must remove said information from the consumer credit file. I have called the clerk of Court and also obtained written evidence supporting the fact that TransUnion despite what it says in it 's response letter did not obtain information about a Bankruptcy from a credible original source. TransUnion continues to maintain incorrect unverified accounts on my credit report but by far this reporting is the more egregious of them all. TransUnion is in direct violation of Federal Consumer laws put in place to protect the integrity of the reporting process and consumer 's rights to fair and lawful reporting. TransUnion sent a response letter dated XXXX XXXX, 2017 stating the public record was " verified and accurate '' which is a complete fabrication.
Trans Union of course will never be able to provide me copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature because it NEVER CAME FROM THE ORIGINAL SOURCE AS THE FEDERAL LAW REQUIRES. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), TransUnion is required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

So TransUnion must be calling the County Clerk a liar because the evidence is clear that this information was illegally obtained by nefarious ways to malign my good name and credit and is clearly a violation of ethical proportions.
Product: Checking or savings account

I received text alerts from chime bank stating information was requested for a change in address and email. I asked to be contacted and a representative contacted me regarding these changes. The representative confirmed that I do have direct deposit and that my cards will be locked up until my next deposit goes through. I received text alerts from chime bank on XXXX with a call from there customer service representative stating that my deposit will be taken out and then put back in to restore account. The two amounts are {$920.00} and {$530.00}. I filed a dispute with chime bank and it was denied 2 days later.
Product: Vehicle loan or lease

Carvana made false advertisements about a XXXX down payment, 90 day deferred initial car payment, 7 day swap into a different vehicle. The later two being the eye catching feature for purchasing a vehicle. The representative XXXX shredded the initial contract paperwork and a month later used the same date as the purchase date for the vehicle. This cause the 7 day time period to switch into a cheaper vehicle to lapse. The initial car payments to be due sooner. This created chaos and two payments to be made within the same month. This caused one month payment to be omitted. As advertised a deferred payment was offered due to COVID-19 then later rescinded due to the percentage rate being too high. The offer was exclusively for those with lower interest rates. Emails were sent requesting the Bill of Sale to be provided to Carvana ( who originated the document ) from the consumer before the registration or tags would be issued. The time lapse for the time the paperwork was shredded. XXXX who collects the car payments did not report each payment. The credit amount was reported as increased which made the payments appear to be underpaid. The credit score decreased 42 points. This has the potential to diminish refinancing. During four months of a few visits to the XXXX juke box vending machine, calling and being placed on hold, calls transferred and disconnected, no answer at times the tags and registration were finally released. This company is a scam.