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

the problem is with M & T bank since XX/XX/ 2022, and they never tried to help me, iI am so tired of this, went in person several times to 5 different branches traying to get help but, the bank was a mess that until this date nobody helped me to get my money back I am so upset, frustrated, very sad. 
in XX/XX/2022 I called my credit card and asked for an ACH deposit transfer to my checking account the amount was {$4800.00} but XXXX XXXX XXXX send the money to a wrong account number, I provided the wrong account number to M & T clerks and managers and they told me that XXXX XXXX XXXX need to do an ach reversal wich XXXX XXXX XXXXXXXX did like 5 times but M & t bank keeps rejecting them. and told them that they will fix the problem with me not with third parties, now my credit is damaged because M & T kept my money, money that XXXX XXXX XXXXXXXX wants me to pay and it is not fare because I never got that money. 
I provided to M & T bank transaction number and date the wrong account number were money was deposited all they had to do is move the money to the right account number they never did that, I spent hours and hours on the phone and lost hours of work time its very sad they didnt care. 
months have been passing and nobody cared. 
M & T ACH department tried to help and everytime send me to XXXX XXXX wich is a manager from XXXX branch, they told me that she will be able to transfer those funds to my account and she never did, all she said was that was that was XXXX error.
Product: Credit reporting 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. 

I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX and original creditor was XXXX the XXXX XXXX XXXX XXXX  and opened on XX/XX/XXXX. Also, XXXX XXXX XXXX XXXX and original creditor was 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 Finally, XXXX XXXX XXXX  and original creditor was XXXX XXXX XXXX XXXX XXXX  and opened on XX/XX/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 15 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 reasonable cause to believe that the information is inaccurate.
Product: Credit card

Credit Card was lost prior to business trip. I reported lost and then later reported charges that were not mine. They are XXXX charges, XXXX for {$130.00} from safeway, XXXX for {$10.00} from safeway, and last one from XXXX for {$13.00}. ( posted XXXX and XXXX 2015 ) Capital One did nothing to actually investigate the issue. They instead made up there minds immediately that the charges were valid. I was sitting in an airport or in another city when these charges were reportedly made. Capital One was negligent and refuses to do anything.
Product: Mortgage

Unfortunately, about 6 years ago my loan was sold to Ocwen loan servicing. I always pay my mortgage on time and submit required insurance documents. XX/XX/XXXX, I received a letter requesting a copy of my mortgage insurance documents. I submitted this to Ocwen but received a subsequent letter so I called them. They told me they hadnt recieved proof of coverage. I asked Ocwen if any requirements had changed and they said no. This year my homeowners association changed insurance providers so I contacted my HOA to please send Ocwen the proof they were asking for. I went back andforth with Ocwen for a few weeks, when come to find out XX/XX/XXXX they are requesting an interior insurance policy. I only found this out once I got a letter stating they are charging me {$1800.00} for interior insurance!! I purchased a policy in XXXX, although this has never been required before but Ocwen is now refusing to return half of the premium to me since they purchased a policy on my behalf back dated to XX/XX/XXXX, before I even received the first letter. What makes things worse is now they are again sending me letter, saying I need flood insurance. Since my condo has flood insurance I requestedd my HOA send them all the documents and called Ocwen two weeks ago and they told me I was fine that they had my flood policy on file. This past week, XX/XX/XXXX. I received another letter requesting flood insurance. I again called Ocwen, only this time was told that my existing flood policy covered the building but not the interior so I would need to purchase a policy or they would purchase one for me. Ok clearly I see that my mortgage company is running a money making scam here. They are forcing me to purchase high priced policies never before required. Why do I need an interior flood polucy when I already carry XXXX insurance policies on my XXXX bedroom condo, in excess of {$400.00} per month, and I live on the XXXX floor!! When I call to ask them, the first few times they assure me I have proper coverage, then they change the story later only to ensure they can slap me with a backdated policy and scam me for thousands. Please help me!
Product: Debt collection

In XXXX of XX/XX/XXXX I went into a XXXX store to upgrade my XXXX XXXX to a XXXX XXXX. At that time I was informed that I had to pay off an XXXX XXXX that showed on my account. I informed them that I never had an XXXX XXXX. I then spoke with XXXX XXXX department and spoke with several supervisor over 6 months and was reassured that they would refund me amount I had made payments on over 1 year of {$130.00} and clear remainder of {$480.00} off my account. In the interim, I was just notified by IC Systems of collection for {$480.00}. I've called over XXXX times and have been transferred to different numbers with XXXX to try and understand whom to speak regarding this false claim.
Product: Credit reporting or other personal consumer reports

I have these 2 authorizer user accounts on my credit report that is not mines and i want it completely removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I did not authorize these companies to pull my credit report.
Product: Credit card or prepaid card

Hi On XX/XX/2022 Somebody stole my phone while I driving for XXXX. 
As soon as I got my phone stolen I had an extra phone because I driving for XXXX too so I called Apple Card right away saying that I got my phone stolen You need to disable my account make sure nobody use it assistant told me I will take care of it you dont have to worry about it but in a few days I get three charge somebody use it my card purchased XXXX stuff and I called them again to dispute the decision wasnt my favorite and I dispute again with the evidence that phone record I called right after my phone stolen and I asked them play the conversation and you will understand I didnt make the charge they ignored my request and just deny my dispute again. 
Disclearly theres phone record show I called for stop my credit account And they dont want acknowledge I dont want to pay something I didnt do especially a call to make sure nobody use my phone to purchase anything and I have a responsible for the all the charge That is Ridiculous please help me out
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or update of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this Complaint to correct the following late open accounts in my Credit file. The accounts I need to correct are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the accounts be corrected to my credit report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately corrected these accounts from my credit report. Please correct these accounts as soon as possible : XXXX  XXXX Balance : {$4500.00} ; XXXX XXXX XXXX : {$72.00} ; XXXX  XXXX Balance : {$9700.00} ; XXXX XXXX Balance Owed : {$4400.00}.
Product: Debt collection

I recently noticed an item from DSRI on my Credit Report and they did not send me any notice of any kind regarding this debt, they simply just put it on my Credit Report. Recently I was also applying for credit and was denied because of the mark that DSRI has left on my Credit Report. They claim to have put in a request for removal already, but my actual damages have also occurred. Once again I am requesting that DSRI please contact my attorney about this matter to resolve. Stop with the semantics.

PLEASE CONSIDER THIS MY DEMAND FOR PAYMENT FOR STATUTORY DAMAGES IN THE AMOUNT OF {$2000.00} ( FCRA AND FDCPA ) ACTUAL  DAMAGES AND ATTORNEY FEES TBD. 


I AM A XXXX CITIZEN AND WANT DSRI TO STOP THE FINANCIAL RETALIATION!
Product: Credit reporting or other personal consumer reports

Experion is reporting inaccurate information on to my credit file. 
They show 4 account that have been late in the summary of the report. 
However, going through the report there is only 1 reporting late, and the account that is reporting late is not my account as you can see from the dispute, I file earlier today XXXXXXXX XXXX XXXXXXXX. By Experians own report that I have attached I demand that my file report NO LATE PAYMENTS EVER ASAP. 


Also, the collections are not reporting ever late ..Because they have never been late. 
I have never had a contract nor any agreement with these companies.
Product: Credit reporting or other personal consumer reports

This is a formal request for re-investigation because XXXX ( XXXX XXXX  XXXX ) remains in violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 2 ), which requires data furnishers to report accurate and complete information to credit reporting agencies. Despite the balance on this account being settled and reported as {$0.00}, the payment status continues to be inaccurately reflected as " Charge-off. '' This incorrect reporting misrepresents the true status of the account, which has been fully resolved. The failure of XXXX to correct this reporting is a violation of their legal obligation under the FCRA. Additionally, under FCRA Section 611, I have the right to dispute inaccurate or incomplete information on my credit report. The current charge-off status is misleading and should no longer apply to this account. It is imperative that this status be deleted, as it incorrectly portrays unresolved delinquency despite the account being paid. 
Furthermore, FCRA Section 609 entitles me to verify the accuracy of all information being reported. Upon reviewing the information, it is evident that XXXX is not in compliance with its obligation to maintain accurate and up-to-date records, and the charge-off status must be corrected. Reporting this account as a charge-off after it has been settled and closed is harmful to my credit and incorrect. I am requesting an immediate re-investigation and that the inaccurate charge-off status for XXXX ( XXXX XXXX XXXX ) be removed from my credit report. This status is both inaccurate and incomplete, and its continued presence violates the FCRA. I look forward to receiving confirmation that this charge-off status has been deleted.
Product: Debt collection

My newly bought vehicle was stolen and insurance paid off the remaining balance that was indicated by the loan comopany " Santander '' After it was paid off, Santander contacted me to collect XXXX Dollars
Product: Credit reporting or other personal consumer reports

This is your pal XXXX XXXX XXXX XXXX writing in the midst of a full-blown XXXX XXXX. I was violated by another identity theft just within the past couple days, and this is VERY quickly looking like the illegal attack came from within XXXX of my other creditors : XXXX XXXX XXXX XXXX XXXX. Now the case has been moved up to the FDIC, as per CFPBs advice when I called them on Friday XX/XX/16. Im waiting to hear back from the FDIC and the FBI IC3 system. XXXX XXXX XXXXXXXX is doing everything in their power to avoid and refuse to answer any of my questions, so here I am desperately reaching out to my other creditors to see if anyone can give me any clues about who is doing this, and why. Im currently sending copies of this report and attachments to XXXX XXXX, XXXX XXXX, and Synchrony Bank. In regards to XXXX XXXX XXXX theyve made themselves completely unapproachable through their earlier actions, and theres nothing they can possibly say ( given the current track record ) that isnt going to further aggravate me. And let me assure you, XXXX not failing to notice that this XXXX XXXX bank is acting EERILY similar to way XXXX has been acting over the past few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$180.00}
Product: Credit reporting or other personal consumer reports

I have attempted to resolve this issue by reporting the fraudulent inquiries on my credit report. The unauthorized inquiry has caused me XXXX XXXX XXXX XXXX XXXX As a victim of identity theft, I am not responsible for these inquiries and have suffered due to their presence on my report. If this complaint is not addressed properly, I will pursue legal action. These inaccuracies have prevented me from purchasing my dream car and have impacted my ability to support my family. For your reference, I have attached a copy of the letter I previously sent.
Product: Mortgage

XX/XX/2015 I informed Quicken Loans of XXXX Michigan that my property taxes had been reduced by XXXX by phone. The agents name was XXXX he seemed very distant on the phone like he was doing something else and said he would have a loan officer contact me. 
No one ever did so another follow up call was made and this time XXXX said he would get a supervisor on the phone. He promptly hung up on me and I immediately called back. This time I was transferred to a " supervisor named XXXX she told me that the issue would be cleared up " XX/XX/XXXX '' again ignoring my request. I immediately hung up the phone and contacted a loan agent by the name of XXXXXXXXXXXX each and every time I called I did a follow up email to QL knowing I needed to create a paper trail. 

Well XXXX did nothing for my cause so I wrote yet another email to the auditing and escrow I still have had no solution the departments at QL. The problem was they reported again ( lied ) that they paid my property taxes, again this year they always have for the 3 years I have been with them. Ever since I have been with Quicken loans insurance agent has called me concerning payment when my insurance was due last year I had to give him a Echeck to keep my insurance from lapsing. I am tired of this from Quicken loans waiting until the last minute to pay insurance and escrow due. They add to the website I view to see my payments that it has been paid but it has not. One of the employees at QL did pass on to me that they use a 3 rd party vendor to pay all taxes and insurance, without my authorization. 

The last person I spoke to at QL again blew me off XX/XX/XXXX saying it would be fixed XX/XX/XXXX if the could get my money back from the 3 rd party vendor. Included with my XX/XX/XXXX payment was a note figuring out my new payments along with the deducted tax error I have never been late with my mortgage payments with QL, XXXX or XXXX XXXX XXXX in 35 years on any homes I own. I feel as though QL does n't really care once they " have you '' under contract. No matter how high I moved up the ladder the attitude was the same. 
I was shocked when I received my mortgage statement today and opened when they almost doubled. I am very tired of QL and if they have problems paying from my escrow I will create my own escrow and pay it ... .on time with no lies. I have full documentation including cell phone logs to support what I have stated. Sorry about all the typos I can only view XXXX of this page to edit complaint form.
Product: Credit reporting or other personal consumer reports

My personal information was exposed in a data breach. These accounts do not belong to me. 
XXXX XXXX Acct # XXXX, Bal- {$1900.00}, XXXX XXXX- Acct # : XXXX, Bal- {$2300.00}, XXXXXXXX XXXX XXXX- Acct # XXXX, Bal- {$2400.00}, XXXX XXXX XXXX- Acct # XXXX, Bal- {$9700.00}, XXXX XXXX XXXX-Acct # : XXXX, Bal- {$500.00}, XXXX
Product: Credit card

SunTrust grants rewards points on credit card purchases that can be redeemed for various items, including statement credit and direct deposit to a SunTrust checking account. Beginning with my XXXX 2015 credit card statement, the rewards available are included on the statement. The points on the statement are higher than the reward points that are available for redemption on line. SunTrust explained the difference as a " statement error '' and has been unwilling to resolve this issue,
Product: Mortgage

COMPLAINT - XXXX XXXX, XXXX RE : Lender refuse to respond or accept mail demand for pay-off and payment history request for my " High Cost '' mortgage loan. Which is preventing me from Refinance for over two ( 2 ) years. 
I have made several complaints since XXXX about this Lender violating my rights under RESPA, TILA, HOEPA and GAFLA. Because the law are strict and I did not file my complaints within 12 months of me receiving the mortgage, XXXX has gotten away with violating the law repeatedly. 
Additionally, when I file my complaint with your office in XXXX prior to the enactment of the new laws, because he was a small lender, you stated a lot of the laws did not apply to him, so he continued to abuse my rights as a consumer. 
See attached document for full complaint with attachments
Product: Student loan

XXXX from Navient called me on Friday, XX/XX/year>, regarding forgiving my private student loans. I told XXXX on the recorded line to send me in writing to my email address and I would have an attorney review. On Monday, XX/XX/year>, I received a letter in my email relaying that roughly a {$46000.00} balance would remain of private student loans of the roughly {$310000.00} balance with a full balance payment being due XX/XX/year>. 

XXXX called same day as letter received in my email ( XX/XX/year> ) while I was at work. I relayed to XXXX that I was at work and I would review and would be unavailable for the next few days and would discuss with an attorney. XXXX has consistently called every single day leaving threatening voicemails to escalate his tactics to collect this debt. Since then he has called my daughter, my mother, my father all claiming they are listed as my contacts. I do not have any contacts listed for any of my debts. I have been a XXXX mother and have been solely responsible for all my debt and would never involve anyone else in my personal business. 

I contacted XXXX of Navient today and made it perfectly clear he was to cease and desist contacting me and my family as I was already attempting to handle this debt and calling me while I am an XXXX XXXX at work was unacceptable. XXXX immediately called me back on my cell phone even though he was told I was at work. I had to call and report him to his supervisor XXXX. However, I still have family members texting me while I am at work reporting that XXXX of Navient is leaving voicemails stating that they are listed as a contact of mine for this account and requesting that I call him.
Product: Credit reporting or other personal consumer reports

I had 2 loans from Dept of Education XXXX that were transferred to XXXX. When they were transferred they were both marked as paid and outstanding balance XXXX XXXX

One loan was for {$51000.00}, paid in full on XXXX23. 
Second loan was for {$6200.00}, paid in full on XXXX23.

Both accounts should have been reported to all credit bureaus as paid in full as reflected in the correspondence to me from Dept of Education/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND XXXX ARE REFUSING TO REMOVE 2 ACCOUNTS, THE TOTAL TIME FROM DISPUTES EXCEEDED 138DAYS FOR XXXX XXXX XXXX XXXX ACCOUNT FOR {$290.00} AND XXXX XXXX XXXX FOR {$310.00}.
Product: Student loan

I am currently working a XXXX which qualifies me for the Public Service Loan Forgiveness program.

The first issue I'm having is it's been two years of FedLoan reviewing my case to award me credit for back months of credit toward the Public Service Loan Forgiveness. 

My second issue is that I recently filed Chapter XXXX Bankruptcy and sent them the paperwork that my student loans were left out of my bankruptcy so I can continue to be on the payment plan to receive credit toward the Public Service Loan forgiveness. The company sent a letter to my bankruptcy attorney after refusing to discuss the issue with me stating I could make payments but they would not apply toward the Public Service Loan Forgivenss program because I am in bankruptcy and they can not bill me.

My attorney is saying when a lender is left out of the bankruptcy they can bill you. I would like to have my credit go toward my Public Service Loan Forgiveness that I qualify for. This is absolutely ridiculous that I can't receive the credit. I was receiving the credit and my payments was XXXX. 

Please help me get the credit I deserve. I will be in bankruptcy for 5 years working this plan. That is over half the time needed to qualify for forgiveness. I will come out of bankruptcy still facing {$80000.00} in student loan debt.
Product: Credit reporting or other personal consumer reports

There was hard inquiries that was fraudulent and also accounts open in my name without my permission. In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 ( 2 ). It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A. Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.