23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding debt reported to Equifax. This debt is incorrect and is not owed. I was charged for damages that were not made by me to the apartment I lived in. Not only were they not from me, they were charged to my account beyond the limitation required by State law. It is the law that an itemization of damages to be charged within 30 days of moveout, this was not done. I disputed the charges through the complex and they never replied that they would be adjusting the amount. Instead, they sent me straight to collections. I disputed with XXXX and they have taken the account off of my profile. Equifax, on the other hand, " investigated it '', and updated the amount from {$210.00} to {$210.00}. It seems as though the investigation done was not proper at all. 

This is unacceptable because I provided more than enough documentation to prove that this was an unlawful and incorrect charge and now it is affecting my credit. I provided documentation of communication with the complex as well as the applicable statute which states that I can not be charged beyond 30 days. ( It was 50 days when I was charged ). This should be clear cut and taken off of my credit ASAP.
Product: Checking or savings account

I signed up for tutoring with XXXX XXXX  I signed up for a few tutoring sessions. They fraudulently overcharged my account by {$1500.00}. I reported this to my bank. Capital one froze my account, informed me that they are getting rid of me as a customer and keeping my money in both my savings account and checking account.
Product: Debt collection

I do not believe the debt that is reporting on my credit report is valid.
Product: Checking or savings account

So basically it was this dude name XXXX that called my phone prior before the situation, he said he was a chime XXXX representative. He was telling me somebody was trying to make atm withdrawals from XXXX, which I dont live in XXXX I live in XXXX . He was telling me I can file a police report etc. at that point of time I wasnt missing funds so I didnt think nothing of it. So XX/XX/XXXX I got paid around XXXX and the same dude calls the exact time I got paid because its texts from like a chime verification number saying someone was trying to withdraw {$500.00} from my account. Like XXXX XXXX not having the knowledge knowing a bank not supposed to call you all I knew was to get bank so your check can get deposited. So he basically was on the phone saying he was a representative going to resolve this issue, Im like ok cool sounds good. Chime is not a walk in bank its an online bank Ive been with these guys since I was XXXX and never ran into this problem. So hes like were going to make a new account and transfer everything to the account, Im like okay cool. So he gets me to change the password to the one he gave me for my account but you got ta send a verification code first to my phone which hes getting me to do on the phone. The number hes calling me from is from chime thats what got me. So after I changed the password he then goes on the account gets me to send my money to this number like hes about to trans fer to a new account, logs me out overdrafts my spot me for {$40.00} and my XXXX for {$48.00}. So I call chime support telling them what happen, Ive talked to about 6 different members some of them was basically telling we cant do nothing about and we see no errors with all the information Ive gave them even the screenshots. Ive did a police report which got denied because its not there jurisdiction. Some of the members from chime I talked too were some what rude they didnt want to give me a cooperate number or a higher person that couldve helped me with this problem. Ive got bills to pay and they saying the {$900.00} thats wrongfully transferred out my account was no error so I want to file a complaint or even lawsuit on chime. I just want my money back I can pay my bills. Please get back to me asap!
Product: Debt collection

I supposedly had a debt from the early XXXX in which this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX phone number listed is XXXX is claiming I still owe and they are collecting from a credit card company. The debt is so old I dont even remember owing it. Next thing I know I was taken to court for a debt that is over XXXX XXXX XXXX I panicked in court because I felt intimidated and agreed to make payments on the debt that I was told I would get all the information on the debt which this company still has not provided. Ive paid over {$400.00} on the debt but my balance is still the same it never goes down and Ive made several attempts to contact the company but never can reach a person Ive left several messages but still do not get a response. Ive contacted them to ask for the proof I was told I would receive to prove its my debt and calls and messages go unresponsive. I have recently lost my job and contacted them and actually got a live person for once in my life and explained to them the whole situation that I never received the proof and my employment situation was then told my agent would be told and would be in touch now Im getting letters stating action will be taken for non payment even though I spoke to someone and explained my situation. Now I am feeling like this company is a scam because they never call me or send proof of the debt. I was told after so many years the debt can not be collected. They take my money but the debt amount is still the same after paying on this for 2 years. No one ever answers the phone and I feel this is a scam. I ask for answers and proof of this debt but dont get anywhere but I paid because I was afraid I would go to jail because I did agree to pay in court. This debt isnt even on my credit report so I am in desperate need to know what the next steps are for me I need answers and help to figure out if this company is even legit. Please help because I dont know what else to do.
Product: Debt collection

I was receiving harrassing recorded voicemails on our business line ( where we have other employees answering and checking messages daily, but not any on my personal cell that I recall. On XX/XX/18 was the last day to date I received a normal voicemail on my cellphone ( XXXX XXXX is carrier ). I received a few missed calls from my sales accounts but no voicemail was left. Only when an account/friend of mine texted me alerting me that my voicemail was rerouting/forwarding to a collection agency in North Carolina. I called my cellphone number from our office line and expected it to go to my outgoing vm message for work, but instead it also went to this company : XXXX XXXX XXXX I spoke with the customer service person who answered and asked why my personal cell number without any authorization from me to do so, was forwarding to their business? He asked " Is this XXXX XXXX? '' which alarmed me since I called from our business number but did answer " yes this is she ''. He then asked if my social was : XXXX which it was, but I was very alarmed he had my personal info so I said that was incorrect and how did they acquire any personal info from me and what was this regarding. He noted an amount of a debt ( but could not disclose the creditor ) of around {$750.00} but they were willing to settle for {$500.00}. I felt this was a scam or identity theft/fraud so I took down their contact info and I asked him to let me speak to a manager but he hung up on me. 
Made several attempts to speak with someone and find out how/why they had my voicemail routing ( which was affecting my business as a salesperson who relies on accounts to call and leave orders on voicemail. 

I filed an online complaint with the FBI and the FTC. I then changed my phone number with XXXX XXXX online, after updating and order new businesscards with new number, sending out updated info to all of my friends, family and colleagues. My new number has now also been hacked and now my voicemail message is now routing to this same debt collection business. 

I want to know how to pursue legal action against this company for id theft, fraud, and any other criminal activity a legal pursuit may turn up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a response from the creditor ( XXXX XXXX XXXX ) that the balance was adjusted to the correct amount from previous dispute, and was being reported to the Credit Reporting Agencies. On that day I saw the changes on my credit reports just as the creditor had explained. Four days later, on XX/XX/2022 all XXXX Credit Reporting Agencies begin reporting 3 new different balance amounts on my credit reports, which is totally different from what the creditor had explained and reported four days earlier.
Product: Credit reporting or other personal consumer reports

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have a Care Credit Account with Synchrony Bank, which I recently paid off. They sent me a new " Rewards Master Card '' with a ridiculous 26.99 % rate, which I do not want and did not approve. ( I only use the Care Credit card because it has an initial zero  interest on large medical purchases. ) When I called customer service to question this, it took me 20 minutes to get through to an actual person, even though the auto-bot kept saying " I understand you want to speak with a representative '' and then sending me elsewhere. When I finally got to speak with someone, I was told that I had been notified of this new card and agreed to it, which was not true. Then I was told to " just not activate it. '' I am concerned that someone at Synchrony Bank is meeting quotas by opening new accounts for existing customers and pretending they agreed to them. This was further strengthened by the fact that my significant other also received a new card from them and I know for a fact he did not order or agree to this ( he was a victim of identity theft, and there is supposed to be a hold on new credit for him. ) Please check into this, and inform Synchrony Bank that this is NOT ACCEPTABLE. My mailbox doesn't lock, and it alarms me that two credit cards were sent that we were not expecting at all.
Product: Credit reporting or other personal consumer reports

Transunion is reporting information that is not correct. I never reside at XXXX XXXX XXXX XXXX AZ. I dont work for for XXXX XXXX please remove it from my credit profile. 
XXXX is reporting collections this account was closed by consumer. This account was never late it was paid on time. XXXX XXXX XXXXXXXX account XXXX is showing as been late. This account was never late it was paid on time. This account was closed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Collection account from XXXX XXXX XXXX XXXX XXXX XXXX and a balance of {$5900.00}. The original creditor is XXXX XXXX. 

I am being denied credit because of XXXX XXXX  falsely reporting to XXXX and Trans Union.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : XXXX XXXX I have disputed directly with XXXX and Experian about this account. Again, they continue to report whatever they want to report. XXXX comments show the account as payment after charge off but Experian comments show and unpaid loss by the credit grantor. How can that be when XXXX is the only furnisher of information. Experian does not show date for last payment while XXXX does. Experian continues to report charge offs back to back in the payment history when the account was already charged off. I have disputed inaccuracy also with nothing being done. XXXX shows the account type as utility company but Experian shows the account as unknown? All these inaccuracies yet they continue to report the account and ignore my dispute! What was the open date and why does it have 2 open dates. When I have disputed especially with Experian and XXXX my disputes are ignored. I believe they stall with everything in their power to deter consumers like myself from disputing, This account continues to damage my credit. I can not obtain electricity for my future residence with the inaccuracies reporting.
Product: Mortgage

My name is XXXX XXXX, I have been seeking to purchase a home since last XXXX. I have researched a few down payment assistant programs that are available. After careful thought and research, I decided to pursue XXXX. 
I have been interested in purchasing the following property : XXXX XXXX XXXX XXXX, which I had under contract since XXXX/XXXX/2017 XXXX XXXX has had access to this loan since XXXX/XXXX/XXXX. I have been trying to Close on this property since, and it has been a heart-ache to say the least. 
Just to let you know I am aware that the process for XXXX is 60 days closing rather than the customary 30 day closing I have used ( Calcon Mutual Mortgage / OneTrust Home Loans ) in XXXX, GA region, because this is XXXX of InvestAtlantas preferred lenders : I was informed in the latter part of XXXX that the original Loan Originator was no longer with company, so it was transferred to another Loan Originator, the Loan Processor remained unchanged. 
Just to provide a brief run-down First, they appraised the home without including the renovations of the home. I requested to the loan originator that he re-submit the appraisal to reflect. It took them two weeks to re-submit, that was after I requested again that it be done so. 
I was scheduled to Close on this home XXXX XXXX, XXXX XXXX, and XXXX XXXX, each time I have been left in the dark by the Loan Processor, and unaware of the reason, no communication was initiated from the Loan Processor/lender of the explanation of why it wasnt going to Close. Sadly, the communication that I wouldnt Close came from my realtor and in turn he received it from the Closing Attorney. 
XXXX XXXX Close, I was informed by my realtor that the Closing attorney was advised by the lender that the loan was cancelled. When I reached out to the lender she advised that they would re-submit the loan due to the duration of the loan is too long and the new loan originator didnt want to Close, and the former loan originator is no longer with the company. 
At this point I just want my money back ( appraisal fees and earnest money at minimum ) which I have reached out to the lender and I havent received a response, other than to resubmit the loan process. 
Please assist in what I can do. 


This is address information I have of Calcon Mutual Mortgage, it comes up as OneTrust Home Loans. 

Calcon Mutual Mortgage XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX OneTrust Home Loans XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The 30- and 60-day delinquency reflected on our credit reports from XXXX XXXX XXXX for XXXX and XX/XX/XXXX are erroneous. Payments made on the account over the course of 7 years were current and paid in accordance with the information provided by XXXX XXXX XXXX. In XX/XX/XXXX, the account information on XXXX website reflected our regular monthly payment of {$610.00} due on XX/XX/2019. However, on XX/XX/XXXX, we received notification of a 30 day late on our credit reports from XXXX. On XX/XX/XXXX, we spoke with a representative at XXXX and was told although the principal balance on the account was now paid in full, the account should have continued to advance, and regular monthly payments would go toward the remaining fees on the account, but did not. Apparently, only the online account advanced ; Therefore, she submitted a request for the account to continue advancing, in addition to the removal of the negative credit reporting. 
In XXXX, the account information provided by XXXX reflected our regular monthly payment of {$610.00} due on XX/XX/2019. A few days later, we received notification of a 60 day late on our credit reports from XXXX. We immediately called and was told the information provided by the representative on XX/XX/XXXX was incorrect, as well as our online account information. XXXX has acknowledged their errors, but refuse to correct the negative impact on our credit report as a result of their errors. We have escalated this issue to management only to receive no return calls or resolutions. The negative credit reporting has caused severe financial hardships on our family. This experience has been surreal as we have never been delinquent in our 7 years with XXXX. The account was paid per the information furnished by both XXXX online account and representative.
Product: Credit card or prepaid card

Somehow, my credit card was used at a Furniture store for {$600.00}. The merchant gave a letterhead invoice stating that the purchase was mysterious and he says that the bank can refund the money. However, Bank of America is denying the claim still.
Product: Mortgage

I attempted to find a company to help build me a new home this year. I went to XXXX XXXX XXXX in XXXX, FL. After filling out the application and spending 2 wseeks going over options and home builds. I was told I needed to apply with FBC Mortgage in XXXX, FL in order for XXXX XXXX XXXX to continue to set up plans to fully qualify me for my home build. I mentioned that I would use my own bank or my previous mortgage broker who helped me a few years ago, and they said No! I was told that I had to go through FBC Mortgage first in order to see if my credit and income qualified. 

I was told that I would receive a better rate and lower paynent by going through this mortgage company. I called them even though I felt the whole situation was being monopolized and I was being steered towards an affiliate of theirs only. I spoke with a young guy who had very little knowledge about my situation but kept making promises. He said that if I used them they offer a discount on the appraisal because i was referred by XXXX XXXX XXXX. 

When I tried to insist I would use my own mortgage company I had XXXX phone calls from various managers from both FBC and XXXX XXXX. After about a month of being harassed with calls and rude managers telling me I had to do it a certain way i decided that neither company was for me. I read the negative reviews online and they all seem to have the same problem. As a business owner and a consumer i feel that the CFPB should look into this relationship and how it is affecting consumers and alos possibly violating the Dodd/Frank and or other regulations that cover steering, affiliate business, and customer options. Also why is it that they only advertise ( 1 ) lender on their website and not other local options?
Product: Payday loan, title loan, or personal loan

This is the second time that I have had to question Security Finance about two payments that did not go through on my account as ( 2 ) {$80.00} payments. I spoke with the branch mgr and did not receive a satisfactory answer at the time. The first occurrence happened around XX/XX/XXXX ; however, I did not keep the bank statement in order to verify how both {$80.00} payments were initially going through but later one of the {$80.00} payments was reversed. 
The second occurrence happened on Friday XX/XX/XXXX. I had my husband XXXX XXXX call in to make a debit card payment from his debit card to both our accounts, and on Sat XX/XX/XXXX both {$80.00} payments were processing when I balanced and I reconciled with XXXX XXXX XXXX. ( See banking documents dated XX/XX/XXXX ) However, on Sat XX/XX/XXXX when I went to balance, I noticed only ( 1 ) {$80.00} payment actually processed ( See document dated XX/XX/XXXX ) and when I called XXXX  XXXX XXXX and spoke with the Claims Dept. at XXXX, I was informed that one of the {$80.00} payments was reversed within 24 hours after processing. 
On the following Monday XX/XX/XXXX, I called the Corporate Office in XXXX, SC and related the incidences and the Regional Mgr called me the same day and I related the occurrences. The Regional Mgr. did not seem concerned that the {$80.00} charge had been reversed and kept assuring me that the ( 2 ) {$80.00} payments were posted to the ledger for XXXX 's and XXXX 's accounts. 
This is an issue because since both of us have separate accounts and I have bank statements showing one of the {$80.00} have been reversed, we have no way of knowing which account has legitimately been credited. The Merchants books and Banking records are not reconciling. 
At some point in time the first {$80.00} did debit my bank, but the {$80.00} paid on XX/XX/XXXX that was processing has not debited into my account at the bank. I like to balance and this is very unsettling as to what is going on with their bookkeeping! 
NOTE : Faxing in XXXX XXXX XXXX statement dated XX/XX/XXXX indicating ( 2 ) {$80.00} payments processing. Also, faxing in XXXX XXXX XXXX statement dated XX/XX/XXXX 3 of 3 sheets indicating only ( 1 ) {$80.00} payment actually processed. Faxed to XXXX. Will try to upload 1 copy dated XX/XX/XXXX because it shows 2 payments processing Will also upload 3 copies dated XX/XX/XXXX that show only 1 payment went through. The phone number associated with Security Finance on the Bank statements is XXXX
Product: Mortgage

Rushmore Loan has shared my loan status with cash buyers who call to force me to sell my condo being just 1-2 payments behind due to the COVID19 pandemic. Rushmore refuses to keep my payment information confidential. Late last year I put a password on my account so that anyone calling for information about my account would need to provide a password, but Rushmore refuses to honor my request. I did this by faxing a letter to Rushmore with the password that any inquirer must provide in order to discuss information about my mortgage account. This was done due to concerns I had when I was contacted by cash home buyers in XXXX when I had fallen behind on my mortgage. However, my mortgage is up to date and I am only 1-2 months behind. Yesterday on XX/XX/XXXX, I received a call from Rushmore saying I was 1 month behind & wanted to know if I was interested in selling my condo to a cash buyer or wanted to create a new payment plan. I was also informed that none of the payment arrangment options previously available were available now. Today on XX/XX/XXXX, I received a text from XXXX XXXX ( XXXX ) who says he wants to buy my condo for cash ( something similar occurred last year, which is why I put a password on my mortgage account ). When I checked online ( https : XXXX  ), I saw that a XXXX XXXX and XXXX XXXX XXXX XXXX are cash home buyersXXXX but neither is a real estate agent in XXXX XXXX XXXX is an estate surveyor in XXXX. Rushmore Loan Managment is interfering with my right to privacy and my right to stay in my home. It could be Rushmore employees that are stealing my data for their personal benefit and selling my information to would be cash buyers. In addition, Rushmore Loan refuses to identify the name of the investor in my condo. Rushmore 's conduct is oppressive and menacing.